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Letter from a Birmingham Jail

With all of the recent discussion of the protests and riots following George Floyd's murder I thought it was worth remembering that this conversation has occurred before. Many objected to the tactics used by the Civil Rights movement with the same arguments and criticism that we hear today. I think they ring as hollow now as they did then. I think we could do well to read MLK's words and reflect on whether we want to be embracing the arguments that were so eloquently criticized here.
My Dear Fellow Clergymen:
While confined here in the Birmingham city jail, I came across your recent statement calling my present activities "unwise and untimely." Seldom do I pause to answer criticism of my work and ideas. If I sought to answer all the criticisms that cross my desk, my secretaries would have little time for anything other than such correspondence in the course of the day, and I would have no time for constructive work. But since I feel that you are men of genuine good will and that your criticisms are sincerely set forth, I want to try to answer your statement in what I hope will be patient and reasonable terms.
I think I should indicate why I am here in Birmingham, since you have been influenced by the view which argues against "outsiders coming in." I have the honor of serving as president of the Southern Christian Leadership Conference, an organization operating in every southern state, with headquarters in Atlanta, Georgia. We have some eighty five affiliated organizations across the South, and one of them is the Alabama Christian Movement for Human Rights. Frequently we share staff, educational and financial resources with our affiliates. Several months ago the affiliate here in Birmingham asked us to be on call to engage in a nonviolent direct action program if such were deemed necessary. We readily consented, and when the hour came we lived up to our promise. So I, along with several members of my staff, am here because I was invited here. I am here because I have organizational ties here.
But more basically, I am in Birmingham because injustice is here. Just as the prophets of the eighth century B.C. left their villages and carried their "thus saith the Lord" far beyond the boundaries of their home towns, and just as the Apostle Paul left his village of Tarsus and carried the gospel of Jesus Christ to the far corners of the Greco Roman world, so am I compelled to carry the gospel of freedom beyond my own home town. Like Paul, I must constantly respond to the Macedonian call for aid.
Moreover, I am cognizant of the interrelatedness of all communities and states. I cannot sit idly by in Atlanta and not be concerned about what happens in Birmingham. Injustice anywhere is a threat to justice everywhere. We are caught in an inescapable network of mutuality, tied in a single garment of destiny. Whatever affects one directly, affects all indirectly. Never again can we afford to live with the narrow, provincial "outside agitator" idea. Anyone who lives inside the United States can never be considered an outsider anywhere within its bounds.
You deplore the demonstrations taking place in Birmingham. But your statement, I am sorry to say, fails to express a similar concern for the conditions that brought about the demonstrations. I am sure that none of you would want to rest content with the superficial kind of social analysis that deals merely with effects and does not grapple with underlying causes. It is unfortunate that demonstrations are taking place in Birmingham, but it is even more unfortunate that the city's white power structure left the Negro community with no alternative.
In any nonviolent campaign there are four basic steps: collection of the facts to determine whether injustices exist; negotiation; self purification; and direct action. We have gone through all these steps in Birmingham. There can be no gainsaying the fact that racial injustice engulfs this community. Birmingham is probably the most thoroughly segregated city in the United States. Its ugly record of brutality is widely known. Negroes have experienced grossly unjust treatment in the courts. There have been more unsolved bombings of Negro homes and churches in Birmingham than in any other city in the nation. These are the hard, brutal facts of the case. On the basis of these conditions, Negro leaders sought to negotiate with the city fathers. But the latter consistently refused to engage in good faith negotiation.
Then, last September, came the opportunity to talk with leaders of Birmingham's economic community. In the course of the negotiations, certain promises were made by the merchants--for example, to remove the stores' humiliating racial signs. On the basis of these promises, the Reverend Fred Shuttlesworth and the leaders of the Alabama Christian Movement for Human Rights agreed to a moratorium on all demonstrations. As the weeks and months went by, we realized that we were the victims of a broken promise. A few signs, briefly removed, returned; the others remained. As in so many past experiences, our hopes had been blasted, and the shadow of deep disappointment settled upon us. We had no alternative except to prepare for direct action, whereby we would present our very bodies as a means of laying our case before the conscience of the local and the national community. Mindful of the difficulties involved, we decided to undertake a process of self purification. We began a series of workshops on nonviolence, and we repeatedly asked ourselves: "Are you able to accept blows without retaliating?" "Are you able to endure the ordeal of jail?" We decided to schedule our direct action program for the Easter season, realizing that except for Christmas, this is the main shopping period of the year. Knowing that a strong economic-withdrawal program would be the by product of direct action, we felt that this would be the best time to bring pressure to bear on the merchants for the needed change.
Then it occurred to us that Birmingham's mayoral election was coming up in March, and we speedily decided to postpone action until after election day. When we discovered that the Commissioner of Public Safety, Eugene "Bull" Connor, had piled up enough votes to be in the run off, we decided again to postpone action until the day after the run off so that the demonstrations could not be used to cloud the issues. Like many others, we waited to see Mr. Connor defeated, and to this end we endured postponement after postponement. Having aided in this community need, we felt that our direct action program could be delayed no longer.
You may well ask: "Why direct action? Why sit ins, marches and so forth? Isn't negotiation a better path?" You are quite right in calling for negotiation. Indeed, this is the very purpose of direct action. Nonviolent direct action seeks to create such a crisis and foster such a tension that a community which has constantly refused to negotiate is forced to confront the issue. It seeks so to dramatize the issue that it can no longer be ignored. My citing the creation of tension as part of the work of the nonviolent resister may sound rather shocking. But I must confess that I am not afraid of the word "tension." I have earnestly opposed violent tension, but there is a type of constructive, nonviolent tension which is necessary for growth. Just as Socrates felt that it was necessary to create a tension in the mind so that individuals could rise from the bondage of myths and half truths to the unfettered realm of creative analysis and objective appraisal, so must we see the need for nonviolent gadflies to create the kind of tension in society that will help men rise from the dark depths of prejudice and racism to the majestic heights of understanding and brotherhood. The purpose of our direct action program is to create a situation so crisis packed that it will inevitably open the door to negotiation. I therefore concur with you in your call for negotiation. Too long has our beloved Southland been bogged down in a tragic effort to live in monologue rather than dialogue.
One of the basic points in your statement is that the action that I and my associates have taken in Birmingham is untimely. Some have asked: "Why didn't you give the new city administration time to act?" The only answer that I can give to this query is that the new Birmingham administration must be prodded about as much as the outgoing one, before it will act. We are sadly mistaken if we feel that the election of Albert Boutwell as mayor will bring the millennium to Birmingham. While Mr. Boutwell is a much more gentle person than Mr. Connor, they are both segregationists, dedicated to maintenance of the status quo. I have hope that Mr. Boutwell will be reasonable enough to see the futility of massive resistance to desegregation. But he will not see this without pressure from devotees of civil rights. My friends, I must say to you that we have not made a single gain in civil rights without determined legal and nonviolent pressure. Lamentably, it is an historical fact that privileged groups seldom give up their privileges voluntarily. Individuals may see the moral light and voluntarily give up their unjust posture; but, as Reinhold Niebuhr has reminded us, groups tend to be more immoral than individuals.
We know through painful experience that freedom is never voluntarily given by the oppressor; it must be demanded by the oppressed. Frankly, I have yet to engage in a direct action campaign that was "well timed" in the view of those who have not suffered unduly from the disease of segregation. For years now I have heard the word "Wait!" It rings in the ear of every Negro with piercing familiarity. This "Wait" has almost always meant "Never." We must come to see, with one of our distinguished jurists, that "justice too long delayed is justice denied."
We have waited for more than 340 years for our constitutional and God given rights. The nations of Asia and Africa are moving with jetlike speed toward gaining political independence, but we still creep at horse and buggy pace toward gaining a cup of coffee at a lunch counter. Perhaps it is easy for those who have never felt the stinging darts of segregation to say, "Wait." But when you have seen vicious mobs lynch your mothers and fathers at will and drown your sisters and brothers at whim; when you have seen hate filled policemen curse, kick and even kill your black brothers and sisters; when you see the vast majority of your twenty million Negro brothers smothering in an airtight cage of poverty in the midst of an affluent society; when you suddenly find your tongue twisted and your speech stammering as you seek to explain to your six year old daughter why she can't go to the public amusement park that has just been advertised on television, and see tears welling up in her eyes when she is told that Funtown is closed to colored children, and see ominous clouds of inferiority beginning to form in her little mental sky, and see her beginning to distort her personality by developing an unconscious bitterness toward white people; when you have to concoct an answer for a five year old son who is asking: "Daddy, why do white people treat colored people so mean?"; when you take a cross county drive and find it necessary to sleep night after night in the uncomfortable corners of your automobile because no motel will accept you; when you are humiliated day in and day out by nagging signs reading "white" and "colored"; when your first name becomes "nigger," your middle name becomes "boy" (however old you are) and your last name becomes "John," and your wife and mother are never given the respected title "Mrs."; when you are harried by day and haunted by night by the fact that you are a Negro, living constantly at tiptoe stance, never quite knowing what to expect next, and are plagued with inner fears and outer resentments; when you are forever fighting a degenerating sense of "nobodiness"--then you will understand why we find it difficult to wait. There comes a time when the cup of endurance runs over, and men are no longer willing to be plunged into the abyss of despair. I hope, sirs, you can understand our legitimate and unavoidable impatience. You express a great deal of anxiety over our willingness to break laws. This is certainly a legitimate concern. Since we so diligently urge people to obey the Supreme Court's decision of 1954 outlawing segregation in the public schools, at first glance it may seem rather paradoxical for us consciously to break laws. One may well ask: "How can you advocate breaking some laws and obeying others?" The answer lies in the fact that there are two types of laws: just and unjust. I would be the first to advocate obeying just laws. One has not only a legal but a moral responsibility to obey just laws. Conversely, one has a moral responsibility to disobey unjust laws. I would agree with St. Augustine that "an unjust law is no law at all."
Now, what is the difference between the two? How does one determine whether a law is just or unjust? A just law is a man made code that squares with the moral law or the law of God. An unjust law is a code that is out of harmony with the moral law. To put it in the terms of St. Thomas Aquinas: An unjust law is a human law that is not rooted in eternal law and natural law. Any law that uplifts human personality is just. Any law that degrades human personality is unjust. All segregation statutes are unjust because segregation distorts the soul and damages the personality. It gives the segregator a false sense of superiority and the segregated a false sense of inferiority. Segregation, to use the terminology of the Jewish philosopher Martin Buber, substitutes an "I it" relationship for an "I thou" relationship and ends up relegating persons to the status of things. Hence segregation is not only politically, economically and sociologically unsound, it is morally wrong and sinful. Paul Tillich has said that sin is separation. Is not segregation an existential expression of man's tragic separation, his awful estrangement, his terrible sinfulness? Thus it is that I can urge men to obey the 1954 decision of the Supreme Court, for it is morally right; and I can urge them to disobey segregation ordinances, for they are morally wrong.
Let us consider a more concrete example of just and unjust laws. An unjust law is a code that a numerical or power majority group compels a minority group to obey but does not make binding on itself. This is difference made legal. By the same token, a just law is a code that a majority compels a minority to follow and that it is willing to follow itself. This is sameness made legal. Let me give another explanation. A law is unjust if it is inflicted on a minority that, as a result of being denied the right to vote, had no part in enacting or devising the law. Who can say that the legislature of Alabama which set up that state's segregation laws was democratically elected? Throughout Alabama all sorts of devious methods are used to prevent Negroes from becoming registered voters, and there are some counties in which, even though Negroes constitute a majority of the population, not a single Negro is registered. Can any law enacted under such circumstances be considered democratically structured?
Sometimes a law is just on its face and unjust in its application. For instance, I have been arrested on a charge of parading without a permit. Now, there is nothing wrong in having an ordinance which requires a permit for a parade. But such an ordinance becomes unjust when it is used to maintain segregation and to deny citizens the First-Amendment privilege of peaceful assembly and protest.
I hope you are able to see the distinction I am trying to point out. In no sense do I advocate evading or defying the law, as would the rabid segregationist. That would lead to anarchy. One who breaks an unjust law must do so openly, lovingly, and with a willingness to accept the penalty. I submit that an individual who breaks a law that conscience tells him is unjust, and who willingly accepts the penalty of imprisonment in order to arouse the conscience of the community over its injustice, is in reality expressing the highest respect for law.
Of course, there is nothing new about this kind of civil disobedience. It was evidenced sublimely in the refusal of Shadrach, Meshach and Abednego to obey the laws of Nebuchadnezzar, on the ground that a higher moral law was at stake. It was practiced superbly by the early Christians, who were willing to face hungry lions and the excruciating pain of chopping blocks rather than submit to certain unjust laws of the Roman Empire. To a degree, academic freedom is a reality today because Socrates practiced civil disobedience. In our own nation, the Boston Tea Party represented a massive act of civil disobedience.
We should never forget that everything Adolf Hitler did in Germany was "legal" and everything the Hungarian freedom fighters did in Hungary was "illegal." It was "illegal" to aid and comfort a Jew in Hitler's Germany. Even so, I am sure that, had I lived in Germany at the time, I would have aided and comforted my Jewish brothers. If today I lived in a Communist country where certain principles dear to the Christian faith are suppressed, I would openly advocate disobeying that country's antireligious laws.
I must make two honest confessions to you, my Christian and Jewish brothers. First, I must confess that over the past few years I have been gravely disappointed with the white moderate. I have almost reached the regrettable conclusion that the Negro's great stumbling block in his stride toward freedom is not the White Citizen's Counciler or the Ku Klux Klanner, but the white moderate, who is more devoted to "order" than to justice; who prefers a negative peace which is the absence of tension to a positive peace which is the presence of justice; who constantly says: "I agree with you in the goal you seek, but I cannot agree with your methods of direct action"; who paternalistically believes he can set the timetable for another man's freedom; who lives by a mythical concept of time and who constantly advises the Negro to wait for a "more convenient season." Shallow understanding from people of good will is more frustrating than absolute misunderstanding from people of ill will. Lukewarm acceptance is much more bewildering than outright rejection.
I had hoped that the white moderate would understand that law and order exist for the purpose of establishing justice and that when they fail in this purpose they become the dangerously structured dams that block the flow of social progress. I had hoped that the white moderate would understand that the present tension in the South is a necessary phase of the transition from an obnoxious negative peace, in which the Negro passively accepted his unjust plight, to a substantive and positive peace, in which all men will respect the dignity and worth of human personality. Actually, we who engage in nonviolent direct action are not the creators of tension. We merely bring to the surface the hidden tension that is already alive. We bring it out in the open, where it can be seen and dealt with. Like a boil that can never be cured so long as it is covered up but must be opened with all its ugliness to the natural medicines of air and light, injustice must be exposed, with all the tension its exposure creates, to the light of human conscience and the air of national opinion before it can be cured.
In your statement you assert that our actions, even though peaceful, must be condemned because they precipitate violence. But is this a logical assertion? Isn't this like condemning a robbed man because his possession of money precipitated the evil act of robbery? Isn't this like condemning Socrates because his unswerving commitment to truth and his philosophical inquiries precipitated the act by the misguided populace in which they made him drink hemlock? Isn't this like condemning Jesus because his unique God consciousness and never ceasing devotion to God's will precipitated the evil act of crucifixion? We must come to see that, as the federal courts have consistently affirmed, it is wrong to urge an individual to cease his efforts to gain his basic constitutional rights because the quest may precipitate violence. Society must protect the robbed and punish the robber. I had also hoped that the white moderate would reject the myth concerning time in relation to the struggle for freedom. I have just received a letter from a white brother in Texas. He writes: "All Christians know that the colored people will receive equal rights eventually, but it is possible that you are in too great a religious hurry. It has taken Christianity almost two thousand years to accomplish what it has. The teachings of Christ take time to come to earth." Such an attitude stems from a tragic misconception of time, from the strangely irrational notion that there is something in the very flow of time that will inevitably cure all ills. Actually, time itself is neutral; it can be used either destructively or constructively. More and more I feel that the people of ill will have used time much more effectively than have the people of good will. We will have to repent in this generation not merely for the hateful words and actions of the bad people but for the appalling silence of the good people. Human progress never rolls in on wheels of inevitability; it comes through the tireless efforts of men willing to be co workers with God, and without this hard work, time itself becomes an ally of the forces of social stagnation. We must use time creatively, in the knowledge that the time is always ripe to do right. Now is the time to make real the promise of democracy and transform our pending national elegy into a creative psalm of brotherhood. Now is the time to lift our national policy from the quicksand of racial injustice to the solid rock of human dignity.
You speak of our activity in Birmingham as extreme. At first I was rather disappointed that fellow clergymen would see my nonviolent efforts as those of an extremist. I began thinking about the fact that I stand in the middle of two opposing forces in the Negro community. One is a force of complacency, made up in part of Negroes who, as a result of long years of oppression, are so drained of self respect and a sense of "somebodiness" that they have adjusted to segregation; and in part of a few middle-class Negroes who, because of a degree of academic and economic security and because in some ways they profit by segregation, have become insensitive to the problems of the masses. The other force is one of bitterness and hatred, and it comes perilously close to advocating violence. It is expressed in the various black nationalist groups that are springing up across the nation, the largest and best known being Elijah Muhammad's Muslim movement. Nourished by the Negro's frustration over the continued existence of racial discrimination, this movement is made up of people who have lost faith in America, who have absolutely repudiated Christianity, and who have concluded that the white man is an incorrigible "devil."
I have tried to stand between these two forces, saying that we need emulate neither the "do nothingism" of the complacent nor the hatred and despair of the black nationalist. For there is the more excellent way of love and nonviolent protest. I am grateful to God that, through the influence of the Negro church, the way of nonviolence became an integral part of our struggle. If this philosophy had not emerged, by now many streets of the South would, I am convinced, be flowing with blood. And I am further convinced that if our white brothers dismiss as "rabble rousers" and "outside agitators" those of us who employ nonviolent direct action, and if they refuse to support our nonviolent efforts, millions of Negroes will, out of frustration and despair, seek solace and security in black nationalist ideologies--a development that would inevitably lead to a frightening racial nightmare.
Oppressed people cannot remain oppressed forever. The yearning for freedom eventually manifests itself, and that is what has happened to the American Negro. Something within has reminded him of his birthright of freedom, and something without has reminded him that it can be gained. Consciously or unconsciously, he has been caught up by the Zeitgeist, and with his black brothers of Africa and his brown and yellow brothers of Asia, South America and the Caribbean, the United States Negro is moving with a sense of great urgency toward the promised land of racial justice. If one recognizes this vital urge that has engulfed the Negro community, one should readily understand why public demonstrations are taking place. The Negro has many pent up resentments and latent frustrations, and he must release them. So let him march; let him make prayer pilgrimages to the city hall; let him go on freedom rides -and try to understand why he must do so. If his repressed emotions are not released in nonviolent ways, they will seek expression through violence; this is not a threat but a fact of history. So I have not said to my people: "Get rid of your discontent." Rather, I have tried to say that this normal and healthy discontent can be channeled into the creative outlet of nonviolent direct action. And now this approach is being termed extremist. But though I was initially disappointed at being categorized as an extremist, as I continued to think about the matter I gradually gained a measure of satisfaction from the label. Was not Jesus an extremist for love: "Love your enemies, bless them that curse you, do good to them that hate you, and pray for them which despitefully use you, and persecute you." Was not Amos an extremist for justice: "Let justice roll down like waters and righteousness like an ever flowing stream." Was not Paul an extremist for the Christian gospel: "I bear in my body the marks of the Lord Jesus." Was not Martin Luther an extremist: "Here I stand; I cannot do otherwise, so help me God." And John Bunyan: "I will stay in jail to the end of my days before I make a butchery of my conscience." And Abraham Lincoln: "This nation cannot survive half slave and half free." And Thomas Jefferson: "We hold these truths to be self evident, that all men are created equal . . ." So the question is not whether we will be extremists, but what kind of extremists we will be. Will we be extremists for hate or for love? Will we be extremists for the preservation of injustice or for the extension of justice? In that dramatic scene on Calvary's hill three men were crucified. We must never forget that all three were crucified for the same crime--the crime of extremism. Two were extremists for immorality, and thus fell below their environment. The other, Jesus Christ, was an extremist for love, truth and goodness, and thereby rose above his environment. Perhaps the South, the nation and the world are in dire need of creative extremists.
I had hoped that the white moderate would see this need. Perhaps I was too optimistic; perhaps I expected too much. I suppose I should have realized that few members of the oppressor race can understand the deep groans and passionate yearnings of the oppressed race, and still fewer have the vision to see that injustice must be rooted out by strong, persistent and determined action. I am thankful, however, that some of our white brothers in the South have grasped the meaning of this social revolution and committed themselves to it. They are still all too few in quantity, but they are big in quality. Some -such as Ralph McGill, Lillian Smith, Harry Golden, James McBride Dabbs, Ann Braden and Sarah Patton Boyle--have written about our struggle in eloquent and prophetic terms. Others have marched with us down nameless streets of the South. They have languished in filthy, roach infested jails, suffering the abuse and brutality of policemen who view them as "dirty nigger-lovers." Unlike so many of their moderate brothers and sisters, they have recognized the urgency of the moment and sensed the need for powerful "action" antidotes to combat the disease of segregation. Let me take note of my other major disappointment. I have been so greatly disappointed with the white church and its leadership. Of course, there are some notable exceptions. I am not unmindful of the fact that each of you has taken some significant stands on this issue. I commend you, Reverend Stallings, for your Christian stand on this past Sunday, in welcoming Negroes to your worship service on a nonsegregated basis. I commend the Catholic leaders of this state for integrating Spring Hill College several years ago.
But despite these notable exceptions, I must honestly reiterate that I have been disappointed with the church. I do not say this as one of those negative critics who can always find something wrong with the church. I say this as a minister of the gospel, who loves the church; who was nurtured in its bosom; who has been sustained by its spiritual blessings and who will remain true to it as long as the cord of life shall lengthen.
When I was suddenly catapulted into the leadership of the bus protest in Montgomery, Alabama, a few years ago, I felt we would be supported by the white church. I felt that the white ministers, priests and rabbis of the South would be among our strongest allies. Instead, some have been outright opponents, refusing to understand the freedom movement and misrepresenting its leaders; all too many others have been more cautious than courageous and have remained silent behind the anesthetizing security of stained glass windows.
In spite of my shattered dreams, I came to Birmingham with the hope that the white religious leadership of this community would see the justice of our cause and, with deep moral concern, would serve as the channel through which our just grievances could reach the power structure. I had hoped that each of you would understand. But again I have been disappointed.
I have heard numerous southern religious leaders admonish their worshipers to comply with a desegregation decision because it is the law, but I have longed to hear white ministers declare: "Follow this decree because integration is morally right and because the Negro is your brother." In the midst of blatant injustices inflicted upon the Negro, I have watched white churchmen stand on the sideline and mouth pious irrelevancies and sanctimonious trivialities. In the midst of a mighty struggle to rid our nation of racial and economic injustice, I have heard many ministers say: "Those are social issues, with which the gospel has no real concern." And I have watched many churches commit themselves to a completely other worldly religion which makes a strange, un-Biblical distinction between body and soul, between the sacred and the secular.
I have traveled the length and breadth of Alabama, Mississippi and all the other southern states. On sweltering summer days and crisp autumn mornings I have looked at the South's beautiful churches with their lofty spires pointing heavenward. I have beheld the impressive outlines of her massive religious education buildings. Over and over I have found myself asking: "What kind of people worship here? Who is their God? Where were their voices when the lips of Governor Barnett dripped with words of interposition and nullification? Where were they when Governor Wallace gave a clarion call for defiance and hatred? Where were their voices of support when bruised and weary Negro men and women decided to rise from the dark dungeons of complacency to the bright hills of creative protest?"
Yes, these questions are still in my mind. In deep disappointment I have wept over the laxity of the church. But be assured that my tears have been tears of love. There can be no deep disappointment where there is not deep love. Yes, I love the church. How could I do otherwise? I am in the rather unique position of being the son, the grandson and the great grandson of preachers. Yes, I see the church as the body of Christ. But, oh! How we have blemished and scarred that body through social neglect and through fear of being nonconformists.
There was a time when the church was very powerful--in the time when the early Christians rejoiced at being deemed worthy to suffer for what they believed. In those days the church was not merely a thermometer that recorded the ideas and principles of popular opinion; it was a thermostat that transformed the mores of society. Whenever the early Christians entered a town, the people in power became disturbed and immediately sought to convict the Christians for being "disturbers of the peace" and "outside agitators."' But the Christians pressed on, in the conviction that they were "a colony of heaven," called to obey God rather than man. Small in number, they were big in commitment. They were too God-intoxicated to be "astronomically intimidated." By their effort and example they brought an end to such ancient evils as infanticide and gladiatorial contests. Things are different now. So often the contemporary church is a weak, ineffectual voice with an uncertain sound. So often it is an archdefender of the status quo. Far from being disturbed by the presence of the church, the power structure of the average community is consoled by the church's silent--and often even vocal--sanction of things as they are.
But the judgment of God is upon the church as never before. If today's church does not recapture the sacrificial spirit of the early church, it will lose its authenticity, forfeit the loyalty of millions, and be dismissed as an irrelevant social club with no meaning for the twentieth century. Every day I meet young people whose disappointment with the church has turned into outright disgust.
Perhaps I have once again been too optimistic. Is organized religion too inextricably bound to the status quo to save our nation and the world? Perhaps I must turn my faith to the inner spiritual church, the church within the church, as the true ekklesia and the hope of the world. But again I am thankful to God that some noble souls from the ranks of organized religion have broken loose from the paralyzing chains of conformity and joined us as active partners in the struggle for freedom. They have left their secure congregations and walked the streets of Albany, Georgia, with us. They have gone down the highways of the South on tortuous rides for freedom. Yes, they have gone to jail with us. Some have been dismissed from their churches, have lost the support of their bishops and fellow ministers. But they have acted in the faith that right defeated is stronger than evil triumphant. Their witness has been the spiritual salt that has preserved the true meaning of the gospel in these troubled times. They have carved a tunnel of hope through the dark mountain of disappointment. I hope the church as a whole will meet the challenge of this decisive hour. But even if the church does not come to the aid of justice, I have no despair about the future. I have no fear about the outcome of our struggle in Birmingham, even if our motives are at present misunderstood. We will reach the goal of freedom in Birmingham and all over the nation, because the goal of America is freedom. Abused and scorned though we may be, our destiny is tied up with America's destiny. Before the pilgrims landed at Plymouth, we were here. Before the pen of Jefferson etched the majestic words of the Declaration of Independence across the pages of history, we were here. For more than two centuries our forebears labored in this country without wages; they made cotton king; they built the homes of their masters while suffering gross injustice and shameful humiliation -and yet out of a bottomless vitality they continued to thrive and develop. If the inexpressible cruelties of slavery could not stop us, the opposition we now face will surely fail. We will win our freedom because the sacred heritage of our nation and the eternal will of God are embodied in our echoing demands. Before closing I feel impelled to mention one other point in your statement that has troubled me profoundly. You warmly commended the Birmingham police force for keeping "order" and "preventing violence." I doubt that you would have so warmly commended the police force if you had seen its dogs sinking their teeth into unarmed, nonviolent Negroes. I doubt that you would so quickly commend the policemen if you were to observe their ugly and inhumane treatment of Negroes here in the city jail; if you were to watch them push and curse old Negro women and young Negro girls; if you were to see them slap and kick old Negro men and young boys; if you were to observe them, as they did on two occasions, refuse to give us food because we wanted to sing our grace together. I cannot join you in your praise of the Birmingham police department.
It is true that the police have exercised a degree of discipline in handling the demonstrators. In this sense they have conducted themselves rather "nonviolently" in public. But for what purpose? To preserve the evil system of segregation. Over the past few years I have consistently preached that nonviolence demands that the means we use must be as pure as the ends we seek. I have tried to make clear that it is wrong to use immoral means to attain moral ends. But now I must affirm that it is just as wrong, or perhaps even more so, to use moral means to preserve immoral ends. Perhaps Mr. Connor and his policemen have been rather nonviolent in public, as was Chief Pritchett in Albany, Georgia, but they have used the moral means of nonviolence to maintain the immoral end of racial injustice. As T. S. Eliot has said: "The last temptation is the greatest treason: To do the right deed for the wrong reason."
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How to Make Money with Instagram: The Ultimate Guide [2020 Update]

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So what does it come down to?
When it comes to making money with social media and how much money you will really make, your results will depend on your experience, how many followers you have, and your confidence.
Of course everyone starts from a different starting point or situation, but here are the 4 main ways that we recommend to make money via Instagram.
What you can do:
You can use one, several or even all 4 of these methods simultaneously to make money via Instagram - it's your choice!
Now that that's said, are you ready to go ?
Following are the details of each method of how to make money with Instagram

How to Make Money on Instagram - The 4 Methods

1 Affiliate Marketing

Affiliate marketing is one of the easiest ways of making money on Instagram.
Simply put, affiliate marketing is when you get a commission when someone clicks on a link from another company from your account, and then buys a product. You usually get a commission when someone buys something, but sometimes when they just click on the link.
Affiliate marketing is so simple because all you have to do is show the product with a “story” around it, for example in a review, a video or a post with a little paragraph about the product, then put it in link your Instagram bio to. You can also have your own website where you send people to learn more about the products you show.
Keep in mind that when you recommend something, your good name and reputation are associated with the product, so only recommend products that you have used yourself, that you trust and like.
Affiliate marketing is an extensive topic, and we have written about it many times. You can dig deeper into it in our article: the Guide to Affiliate Marketing .
You can also visit the following websites that have affiliate lists of products that offer affiliate programs, which will take you one step further in learning how to make money with Instagram

2 Sell ​​your photos

You spend a lot of time and effort to get the scene, light and captions just right… so why not convert all the effort you've already put into your IG account into more money ?
There are many sites online where you can host and sell your photos.

3 Sponsored Posts

Sponsored posts are another way of making money with Instagram, and it is expected that by 2020 there will be around 32.3 billion sponsored Instagram posts to be paid by brands.
You can also participate and get paid like this !
What exactly are sponsored posts? First you grow your number of followers, by supporting a certain message or by specializing in things like health, things that men / women need (think of cars, beauty, etc.), cats, or whatever your thing . If a sponsor likes what you do, they will ask you to promote them!
Not only do they pay for you talking about them, but they usually combine it with an affiliate link, so you get a commission when one of your visitors buys something from the sponsor!
Some people think that sponsoring and making money is about having millions of followers, but that's not true . Sponsors are not stupid, they know you can just buy "fake followers" to make the number look better.
What they're looking for is the real, engaged followers who trust you. A sponsor would rather have 1,000 people ready to buy what the influencer recommends than 2 million accounts that actually mean nothing.
It's all about trust and commitment .

How Much Can You Ask?

Now you're probably wondering how much money to charge per sponsored post.
Unless you're extremely experienced with Instagram and a big influencer, it's likely to be determined by the company itself. It can depend on whether you post a photo, video or story and how long the video is when it is a video or a story.
Good news is that when we look at the rates on AdFactor of some influencers, and the number of Instagram followers they have, it looks like you can already ask € 500 per sponsored post with just a few thousand followers.
That can give you an idea of ​​how many brands are willing to pay, and what number you can play with during the negotiations.

How To Find Sponsors

The easiest way to find sponsors is to compile a list of companies and brands you like, and write them an email describing who you are, why you like them, and how you can help them when you promote them on Instagram.
Here are a few examples of emails you can view and use.
Another way is to list yourself and your account on an influencer marketplace, where brands “shop around” to find the accounts they would like to sponsor or contact.

How to avoid being called a defector (or why you shouldn't have too many sponsored posts)

It can be tempting to turn every post into a sponsored post, but there has to be a balance. Remember, your audience originally followed you for the sheer content of your posts and because they liked YOU, not because they want to see ads all the time.
We recommend that you consider using a #sponsored or #spon hashtag to indicate that it is a sponsored post . If you're worried about using sponsored posts at all, we've got some good news for you!
For example below, you can see that beauty blogger and Instagrammer Mascha Feoktistova indicates that her latest fragrance from Guess is sponsored using the hashtag #spon.
Instagram now also has a "Paid Partnership With ..." tag that clearly identifies sponsored posts. Some brands even require that you use this as an influencer. You can here read about the tag.
When you're trying to find a balance in how you make money on Instagram, fewer sponsored posts are better than more. Try a certain number first (eg 1 per week), and you could even create a live survey with your “Story” feature to ask your audience if they are satisfied with the number of sponsored posts, and if they like the recommendations .
Always try to be as careful as possible with sponsored posts, and keep in mind: LESS is more!

4 Make your own products

Making your own products is a great way to turn your Instagram account into a money machine. And it can also be a lot of fun!

Paid Services

Most Instagrammers start with paid services because they are the easiest to set up. You basically choose the talents you have, and you work as a freelance consultant for someone, while setting your own rates for your talents! If you'd like to learn more about that, check out our guide on how to start freelancing .

Digital Products

Another good example, besides paid services, is that you create something like an e-book about your favorite topic and sell it on your website through an online shop program.
Online products are one of our favorites, because once you have set up your website and your online shop program, the “shop” is always open, and you can get paid for your knowledge while you sleep!
The return on your investment can be HUGE!
If you want to research how to make money with Instagram, we recommend that you sign up on SendOwl for your online shop program and use it to sell your online products.

Physical Products

You can then develop further by delving into physical products with services such as Shopify , which help you to set up a real online shop.
Physical products can be challenging because you have to make sure the quality is good enough as they are made from factories. Services like Printful and Teelaunch can do all the work for you when printing certain photos in shirts and mugs, as well as finding recommended factories.
If you follow this route, we recommend that you always see a sample of the products before selling it to your audience. You can't make money by putting your name on poor quality products!
Entreprenuers Hustle Free Style
submitted by yatesmaron to Howwemakemoneyonline [link] [comments]

What I've Learned in Over 3,000 Hours of Inspecting Lab Diamonds (Intro Post)

Hi! I’m Lindsay and I’m a lover of high quality lab diamonds. I was an early adopter of the product, using them for my engagement ring and wedding bands in 2012.
In 2015, I founded Ada Diamonds, a custom fine jeweler of lab diamonds, with my partner and spouse Jason Payne. He’s been on Reddit as u/Ada_Diamonds for a few years, and he encouraged me to join Reddit to share my hands-on experience with lab diamonds with the community, so here I am!
My Background with Lab Diamonds
I have spent over 3,000 hours in the last five years hands-on with lab diamonds: inspecting, judging, filming, curating, sampling, and assessing lab diamonds. Every week I personally examine 25-50 lab diamonds, in addition to those evaluated by the rest of our team.
I am passionate about inspecting lab diamonds in person before purchase. As a lab diamond jeweler, I would never, ever, ever purchase a lab diamond sight unseen, no matter how good the price or the video.
Why will I not purchase a lab diamond sight unseen? We reject at least a third of the diamonds that arrive at our showrooms every single day. A certificate and low-resolution video of a lab diamond can give you clues about the quality of a diamond, but it is not enough information to definitively determine the quality.
We use online certificates and videos to assess whether a diamond should be inspected, but we would never pass a lab diamond from a cert or from a 400px video. Lighting and color can easily be manipulated and edited in 360 videos, rendering them essentially useless for properly assessing a lab diamond’s quality.
In addition, the resolution of the videos is low enough that you cannot read the laser inscribed ID on the diamond, so you cannot be sure that the diamond in the video is actually the diamond that is shipped to you. We have heard from multiple members of the trade that a number of wholesalers are swapping videos for better diamonds (with similar inclusions) to sell unexceptional diamonds.
How Do I QC a Lab Diamond and What Do I Look For?
When we order hand-picked lab diamonds for inspection, they are shipped to one of our showrooms where they are verified, examined, judged, filmed, and tested. We use both traditional jewelers tools as well as scientific laboratory equipment to evaluate the quality of the diamonds. We do this in our own controlled environment and full-spectrum lighting. We do not buy at trade shows or offices where lighting can be tuned/optimized to hide defects in diamonds.
Similarly to mined diamonds, much of our quality control criteria is based on the fundamentals of gemology. Is the diamond grading accurate? Does the color, clarity, cut/make match what we see in person?
Then we assess make (the quality of the cut). We specialize in fancy shapes above 2ct, so we look for bow ties, light leakage, crown paneling, pavilion bulge, culet size, fish eyes, empty and lifeless centers, uneven chevrons, etc. We are happy to capture Ideal Scope or ASET images for our clients, but we find that ASETs do not tell the full story of a diamond’s appearance.
Unique to lab diamonds, we look for characteristics indicative of poorly/cheaply grown CVD and HPHT goods. For CVD, we look for brown and gray undertones, black polycrystalline inclusions (particularly on the girdle), strain or graining in the diamond, signs of iterative growth patterns called striations, and obvious HPHT post-growth treatment which can give a CVD diamond a “straw” or light yellow gray color.
For HPHT, we look for blue nuance from boron, gray undertone from metals such as titanium, phosphorescence (which is not the same thing as fluorescence), zoning by growth sector, and metal flux inclusions.
We use the same criteria for every lab diamond we bring in house, from small bags of melee to larger certified goods.
Once we receive a lab diamond, we use a variety of tools to measure some of these unnatural characteristics of lab diamonds. But most importantly, we get tons of media. Examining a lab diamond in isolation is not as effective as comparing it to others of lesser and superior quality. We send multiple videos, comparisons, and our opinions to clients all over the world who trust our eyes and judgment to help them select a lab diamond.
We use the same strict criteria for lab diamonds we inspect for our Public Purchase Program, our in-house program to buy second-hand lab diamonds from members of the public.
What Has Surprised Me
By far the most surprising thing about inspecting lab diamonds in person is how different they can look from their v360 videos, particularly fancy shapes like ovals. Online videos are often blasted with light, using low exposure and bright LED's to mask dark color and light leakage. In particular, it's very difficult to judge bow ties from videos versus in person. Conversely, some v360 videos are so low quality and poorly filmed that a lab diamond can be gorgeous, even if it had an ugly video.
Why I’m On Reddit
I’m here to help educate the Reddit community by sharing examples of good vs bad lab diamonds that I have inspected in person. I’ll keep my comments focused on the diamonds, and not the companies that sell the diamonds.
I can advise you whether or not we would bring a lab diamond in house for inspection based on its cert; however, I cannot advise on whether a given diamond is a beautiful stone, based on a cert and a video.
Given the wide range of quality I have personally witnessed over the years for lab diamonds within the same 4 C’s, I think it’s completely nuts to purchase a lab diamond off of a cert or video. Every lab diamond is different and there is no way to know what it will look like until you’ve seen it live.
I’m here to help you understand how qualities of lab diamonds present to the average person in the normal course of life. How do striations really look to the naked eye? Can I see phosphorescence without gemological equipment? If you irradiate a blue nuanced diamond, will it look gray? Does HPHT post growth treatment matter if it makes the CVD diamond look better? These concepts are not covered on IGI or GCAL certs. And they aren’t just academic topics; these are things that directly impact a lab diamond’s appearance and resale value.
I’m here to show you what a particular size or shape of diamond looks like on my hand (size ~5.25 finger), or that of one of my many female colleagues who range from ring sizes 4 to 6.5.
I’m here to share unique technological advancements in lab diamonds and what we’re witnessing in the market regarding supply, quality, and price.
What I’m Not Here to Do
I’m not here to trash talk a competitor. I'm proud of the high integrity organization that we've built that is rooted in quality diamonds and customer experiences. If you’re interested in our company, I would encourage you to read our 100% authentic Yelp and Google reviews.
I’m not here to promote a diamond we have for sale over one you’re considering from another retailer. If you’d like to check out Ada Diamonds, I’d love to earn your business. But if you’ve found a diamond you love from someone else, then congrats!
I’m not here to play armchair gemologist. I am hands-on with lab diamonds, in our showroom, every single day. I don’t sit at home in my pajamas commenting on certificates and videos while sending out affiliate links. If you ask for my opinion of a lab diamond that we have at Ada Diamonds, I will send you a video of that actual diamond, on my actual hand, in our actual showroom. If you ask for someone’s advice on a lab diamond, and they haven’t personally looked at the diamond in person, they are incapable of definitively assessing the diamond's quality, period.
I am excited to bring my experience with this beautiful and innovative product to the Reddit community!
submitted by LindsayAtAdaDiamonds to Diamonds [link] [comments]

Cryptomarketing in 2020: successful application of strategies from MLM and the beauty industry

Cryptomarketing in 2020: successful application of strategies from MLM and the beauty industry

Cryptomarketing in 2020: successful application of strategies from MLM and the beauty industry
Over the past decade, the crypto-industry has proven to be a unique industry with a specific audience, which requires a no less specific approach. In this regard, in 2020, the advertising activity of crypto companies is significantly different from that to which banks and various financial companies resort. Industry leaders prefer not to rely on traditional online advertising on Facebook, Instagram and YouTube. They follow a different path: they work with bloggers (opinion leaders and influencers), rely on MLM marketing referral programs and actively organize various contests and sweepstakes with generous prize pools. The CoinDesk portal claims that crypto marketing this year is strikingly reminiscent of marketing in the beauty industry, and here it is no less effective.

General concept

Michelle Fan, a blogger with a million YouTube subscribers, is using the same techniques to spread skin care life hacks and the idea of financial freedom through bitcoins. Moreover, she assures that the leaders of the crypto industry, like her, use marketing schemes from the beauty industry, even if they themselves do not know about it.
Both areas prefer to use the DTC (Direct to Customer) business scheme, independently creating and then promoting and selling goods / services, working as closely as possible with the community. Sales are built through aggregated retail platforms like Amazon, Etsy and Shopify, or even through accounts in popular social networks.
Industry leaders in developing countries often resort to the latter option, where large sites like Amazon simply don’t work or aren’t popular. For example, Michelle Haber, a bitcoin maximalist from Libya, made it clear in CoinDesk’s comment that social networks and chats are today the most effective way to distribute goods / services in crypto topics. He said that local traders in order to “educate” the audience help buy hardware wallets, selling them through groups on social networks. Buying yourself Trezor or Ledger in another way is often simply impossible.

Work with opinion leaders

Michelle Fan is not the only person from the crypto-community who notices the similarities with the beauty industry. So, Maria Paula Fernandez, who actively uses the services of the DeFi sector and is seriously interested in the topic of skin care, gave the CoinDesk portal a similar comment.
She notes that in both cases, society has become accustomed to relying on the opinion of society itself, rather than trusting the views of the world’s leading media. Therefore, in both sectors, the so-called influencers are very popular — opinion leaders and bloggers who disseminate information among their audience on YouTube, Instagram, TikTok and other social networks, receiving a reward for this.
Crypto-companies very often, like firms from the beauty industry, provide their products to opinion leaders for review and further “instruction” of their subscribers. Maria Paula Fernandez does not see anything shameful in this. Observing the experience of bloggers, subscribers begin to acquire a kind of crypto-education and disseminate the information through the word of mouth. Thus, the crypto-community grows.
The most successful bloggers over time can count on sponsorship from one or another crypto company.
For example, the podcaster Marty Bent, whose show is now funded by Unchained Capital and Square, the developer of Cash App, witnessed this scenario. The latter, by the way, in addition to Bent sponsor also podcast Joe Rogan and rapper Lil B.
Many other large companies, including the Kraken exchange, have resorted to this strategy. They are just as interested in sponsoring reputable content creators who promote products among loyal subscribers. The U.S. exchange sponsors the Reckless VR crypto start-up, founded by Udi Wertheimer for crypto-conferences in virtual reality, and the famous podcast Peter McCormack, who launched his own media brand Defiance last year. Having started his career as a hobby, McCormack turned it into a business of his life, thanks to which he earned about $1 million for 2019.
With all this, working with bloggers is a great opportunity to enter foreign markets. This is understood at Crypto.com, where they use opinion leaders to attract the Russian-speaking and Turkish-speaking community. Does this approach give a result? Judge for yourself: over the past six months, the number of startup users has doubled and currently stands at more than 2 million people.

Referral Bonuses and MLM Marketing

The development of products within the community often turns into MLM marketing strategies, which require the presence of referral bonuses and bonuses “in depth” — favorite schemes of cosmetic brands. They use a multi-level reward system for attracting partners, where you can usually get a bonus not only for personally invited, but also for “friends of friends and their friends”. Thus, opinion leaders who distribute crypto products often receive a portion of the funds that people invited by them will pay for the product / service.
The relevance and effectiveness of the trend is confirmed by the fact that these methods are not shy to use not only crypto start-ups, but also top cryptocurrency companies, widely known throughout the industry. A prime example is SatoshiLabs, a company that manufactures and distributes Trezor wallets. The head of communications, Iva Fizerova, confirmed that she is actively resorting to “affiliate marketing” with bloggers as an alternative to paying them for direct advertising.
No less vivid examples are the largest crypto exchanges Binance and Gemini, which managed to succeed not without the help of referral systems copied from the multi-level marketing campaigns Avon and Mary Kay, which they have been using for decades.
Instagram blogger Chjango Unchained has been earning good bonuses for several months running after posting a referral link to Gemini on her profile. When her subscribers register on the exchange and buy cryptocurrencies worth more than $100, she receives $10 in BTC. According to her, she is doing a good deed. The blogger wants people who are interested in her opinion on digital money to start their crypto path on Gemini, and not, for example, on Coinbase, because the latter charges “crazy commissions”.
Referral system bonuses are a typical phenomenon for many crypto companies, and successful bloggers are happy to use this. A prime example is Michael Gu, known by the pseudonym Boxmining. It has been distributing information about digital money since 2012, having gathered an audience of more than 200,000 subscribers on YouTube and more than 3,500 participants in Telegram chat during this time.
Despite the fact that the manufacturer of hardware wallets Ledger does not sponsor its activities, it places referral links in the video descriptions and collects voluntary donations from subscribers. As you might guess, he feels rather well. At the same time, he emphasized that user activity during the coronavirus pandemic is only growing, especially after YouTube began to put sticks in the wheels of the creators of crypto-content.

Gifts, contests and sweepstakes

Making a small gift is a great way to introduce an audience to a new product. In the cryptocurrency market, this has long been relevant.
Coin creators eagerly carry out airdrops and bounty campaigns, allowing the crypto community to test the new coin. A similar approach is popular in the beauty industry. Samplers of perfumes and branded magazines with smells have led many girls to buy full-fledged versions of the fragrance.
In addition to the cryptocurrency developers themselves, a similar approach is also used by cryptocompanies of a different direction, which cannot conduct airdrops due to their technical features (for example, this is true for manufacturers of hardware wallets). Therefore, they organize more classic contests and sweepstakes. For example, they play a wallet for reposting on social networks or videos published on YouTube.
It is noteworthy that cryptobrands in this area are even more active than cosmetics manufacturers. They work not only with trusted bloggers with many subscribers, but also help to become less “untwisted” users. Therefore, they periodically assist them in organizing draws in order to attract subscribers who could potentially become new customers.
Iva Fizerova from SatoshiLabs confirmed that Trezor manufacturers periodically help users attract new followers through the distribution of gifts. Moreover, this approach brings excellent results. By working with the community this way, they have managed to sell hundreds of thousands of wallets. But most importantly, a reputation of the brand has formed around the product, warmly received by the audience. And this effect is so strong that the company simply does not see the point in spending money on traditional expensive advertising.
Most importantly, despite all the problems of 2020, including the coronavirus pandemic, which seriously hit the global economy and, accordingly, people’s wallets, demand for products did not fall. This approach remains effective, while the percentage of successful conversions in traditional advertising has probably decreased. Fizerova noted that over the past three months they have recorded a steady increase in demand for goods. Moreover, they even had to solve delivery problems, if only the buyers got the desired devices in a timely manner.
A similar approach and results are observed with other manufacturers of hardware wallets. Thus, Rodolfo Novak, co-founder of Coinkite, confirmed the growth in demand for products, despite the pandemic. Working with the community is their main marketing strategy, because it really gives results. Over the past three years, they donated about 50 wallets to YouTube reviewers. Novak is proud that their “users help other users.” According to him, this approach allows you to sell products at a lower price, since the cost of goods does not include high costs for familiar marketing campaigns.

Are marketing strategies effective? More than

The cryptocurrency market relies on marketing strategies that have established themselves in the beauty industry, which in the new field are no less effective. Maximum performance is achieved with a killer combination of all three of the above methods. It’s about when the founders of cryptocompanies themselves become opinion leaders. Just look at Changpen Zhao, the head of Binance, or Justin Sun, the project manager of TRON. Both entrepreneurs are bloggers with a huge army of subscribers and are personally engaged in the promotion of their brands, regularly rewarding their audience with pleasant gifts.
It’s easy to guess why industry leaders rely mainly on this type of marketing. Advertising products in the traditional way is expensive, especially for startups, behind which there are still no attractive products with a good reputation. But more importantly, crypto products are quite complex in themselves, so they often need detailed explanations, which are difficult to implement in the framework of traditional advertising. Agree that selling a bottle of Fanta with a new taste is much easier than a hardware cryptocurrency wallet, especially since most people don’t understand what it is.
On top of that, regular advertising is complicated by the fact that media giants regularly block crypto content.
In such a situation, marketing borrowed from the beauty industry seems to be the most acceptable and most effective option. By focusing their marketing budgets on opinion leaders and working with the community, cryptocompanies achieve the desired result, even taking into account the coronavirus pandemic. The crypto community is getting bigger and stronger every day. But the best part is that this growth cannot be stopped.
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Samsung Galaxy: Pretty, unusably bad

I've been on Chromebooks (and Chromeboxen) since 2013, and exclusively since 2017. I've been in the market for a high-end machine since last fall, and researched the Samsung Galaxy, Google Pixelbook Go (both i5 and i7), and the ASUS C436.
I got a Galaxy, which I am now in my third day of using, because I am in an unusually power-friendly circumstance -- office a 5 min walk from home; mostly long flights with power at the seat; mostly short cab rides where battery doesn't matter, and now, of course, working from home. Even with all that, I am surprised at how bad the battery life is -- in ordinary use, I am seeing performance on the low end or worse of the recent reviews.
Put simply, no one should buy this machine.
If portability in a high-end chromebook matters most to you, get a Pixelbook Go/i5. If computing power matters most, get a C436. If you want the best Chromebook money can buy, get a Pixelbook Go/i7. The Galaxy is not even in the running. It is not a laptop. It is a thin Chromebox, with a built-in screen and enough battery backup to enable brief periods of disconnection.
What follows is less a review -- build and screen and a stylus do not matter if the battery makes it unusable -- than thoughts about how a chromebook this bad managed not merely to ship, but to become the darling of the tech press.
The problem for high-end chromebooks is that 'Excellent screen; Thin chassis; Long battery life' describes an ideal machine, but is a 'Pick Two' design tradeoff. Samsung believed, correctly, that if they optimized for 1 and 2, the tech press would hype the machine without beating them up too hard for the battery life. They were aided in this by Project Athena, the Intel-backed certification of laptops that meet certain minimum requirements.
The Galaxy has exposed Project Athena certification as worthless. The claims for battery life of all Athena-certified machines reads
Worry-Free Battery Life -- The laptops run at least nine hours during the day’s most intensive building, multitasking, and streaming. And when the battery does drain, it charges four hours’ worth in fewer than 30 minutes.
None of that is true of the Galaxy. None of that is true. Intel doesn't care.
On a brand new machine, running Linux but not playing any media, I was getting battery reports like "44%/1:24 remaining." The battery cannot run 9 hours under any real-world conditions, and does not charge to anything like 4 hours in 30 minutes.
Samsung Galaxy's Athena certification has not been revoked, because Intel has zero appetite for policing manufacturers' claims. Athena exists to help hardware firms bypass tech reviews, by pretending their certifications enable potential buyers to know what they are getting.
Samsung's original sin was to go for 'Thinner than the Pixelbook', even though that took away space for battery. (They could also have degraded the screen, but that's a much bigger hit to actual value to end users.) The obsession with thinness is only for engineers and design nerds, because it is a genuinely hard manufacturing challenge, but maximal thinness solves no real-world problems, while introducing terrible constraints on the battery.
Samsung demoed a version in January, not letting reviewers have it long enough untethered to see what was going on with the battery. They emphasized the Athena certification. And they knew that at least some of the press covering Chromebooks would look at the beautiful build and screen and treat battery life as a nice-to-have, as if being able to use your computer away from your desk was just one mostly optional feature of a laptop.
And now they are at it again -- the Chromebook-covering press breathlessly repeated the story that Samsung is working with Google to improve battery life, without mentioning that software improvements will be only incremental, and will almost certainly degrade the screen performance, one of the key original selling points.
Samsung is only now managing the tradeoffs that matter to end users, and only after the one obvious improvement -- thicker chassis for more battery volume -- is off the table. For the end users who keep the machine, even a 10% improvement in battery life will be welcome, but to be clear, if the battery life doubled -- well out of the realm of the possible -- it would still fail what the Athena certification was supposed to guarantee.
There may be no way to stop companies from shipping bad high-end machines. Samsung knows that people shop for features, not performance. Intel knows that certifying laptop-makers using real-world constraints won't sell chips. And the tech press knows that 'beautiful and fast' generates more clicks (and, in some cases, affiliate links) than 'hopelessly compromised', and has no interest in going after Intel for providing worthless certification in general, or for not revoking it in this specific case.
Reddit may be the only place where people can get a real feel for the tradeoffs involved in any given machine. And in this case, the single, dreadful tradeoff of style for actual usefulness is so bad that the nicest chromebook any company has ever tried to make is simply not worth owning.
submitted by ClayShirky to chromeos [link] [comments]

Work From Home Income Opportunities

Over the years, the history of human race has replaced many significant changes in a continuous quest of improving life style. Past few years have characterized by such changes in every aspect of society. Certainly, many new innovations and improvised technologies are altered the world forever. And perhaps, the most significant contribution by advance technology has come from internet. Gone are the traditional ways of earning income. There has been rise in home based business income opportunities emerging from this new global sphere.
If we have a closer look at a recorded history, then it has been a conventional trend that people who wish to work for a salary are compelled to work at the location of client or of company they are working for. Although that concept of self employment had been present in past, it wasn’t until the 90’s when internet came of age and presented diverse opportunities and platforms for people to work from home while having access to the world through their personal computers.
Home Business
Home business is an ideal platform which allows people to work from home and get paid handsomely for the efforts they put in. With these ever increasing opportunities, the people like you and me are able to work according to our own terms. There is no more compulsion from our rude boss to work as per his dictated terms and conditions. In fact, home business offers a freedom that no other business can offer.
There are plenty options and opportunities knocking your door on internet. You can easily find a plan for home business that can fit your needs and terms. Even though, surfing on internet for such home based business income opportunities can be time consuming. You will come across thousands of sites and places which claim to be perfect option on internet. They claim to know exactly what you are searching for and there is a possibility that you can commit blunders because of their exaggerated claims.
It is quite obvious that the sites claiming to offer best plan don’t know you personally. They don’t know your likes and dislikes. They don’t know about your passion. They don’t know about targets- short term or long term. They don’t know your expectancy level of income and they don’t know how much time you can work for. The lack of this knowledge can pose a great threat to your search for such opportunities.
So, in order to find a perfect suitable plan or opportunity you have to do some kind of research and find opportunities of your own. You can even search for the research opportunities with their supported statistics. This thing can narrow down your search for the best home based opportunity.
The best part while searching for such business can be considering your own hobbies, your own likes. Just ask yourself how do you spend your idle time? There are so many hobbies like book reading, ornamental fish keeping, shopping, watching sports, keeping pets or even finding a good deal. Surely, you will be much more comfortable at one of those hobbies. So, if you find a niche that is related to something you love, then you are bound to stick with that opportunity for longer time. You spend time building it to work for you and that will be the secret of the success of your home business. .
Today, there are plenty options and several successful platforms available for home based internet business opportunities. 1. Digital Product Creation – You will be certainly good at one of the aspects or fields you have learned so far in life. If you have such a special knowledge or skill in a specific sector then you can sell this by creating your own e-book. Suppose you are good at cooking and if it is your hobby and if you do experimentation and try for innovation then you can create your own e-book of tantalizing recipes. These fields can range from learning yoga to playing guitar and from purchasing dirt free airline tickets to movie or digital recording.
  1. Affiliate Programs – Many big companies try to encourage people other than their marketing team to promote their products. You can promote such products with help of advertisements on your own website or via e-mail system. In return the said company will pay you a certain percentage of every sale. This kind of business has great potential n promoting the products like MP3 download services, ring tones, visual clips, beauty products, insurance and travel services.
  2. Internet Marketing – The process of acquiring knowledge to start and run a successful home based business has itself become a business of great potential. At present, there are so many informative programs exists which guide average people in learning and honing the skills to run a successful business with its marketing plans.
  3. Blogging – This is the latest internet trend at business. This includes a process of creating and updating your own web diary on internet in which you can discuss and seek comments on specific subjects you choose. Persons having special interest and knowledge in a specific subject are used to create such blogs and thousands of people visit such blog everyday. In return person who owns that blog earn income by using advertising systems or affiliate programs.
  4. Online Stores – you can buy any physical goods like computers, clothing, books, mobiles or DVD movies at lower rate and can sell these items at a higher price. Although it is a traditional selling concept, internet makes it easier to purchase, to sell and advertise than traditional ways in past. Only the thing you have to do is search for wholesale suppliers of such goods to get a lower price.
  5. Outsourcing – Outsourcing has been a key word in IT industry today. If you are good at any software development then you can provide such services as there is a great demand from main companies for such jobs.
In short, there are abundant opportunities present on internet for home based business. If you are motivated enough to reap the benefits of internet then brace yourself for certain amount of work, prepare your mind to learn new things and you will find it is not as difficult as many think. https://saleresorts.com/articles/article/57/4/Travel-MLM-Opportunity-to-See-the-World
submitted by Giuelith to Travelbroker [link] [comments]

Thinking about getting into the affiliate business found a 25% Commission?

So I have been thinking about getting into the affiliate business and wanted something high return so I found a company offering 25% Commission on any orders through my affiliate link.
Has anyone heard of this program or has any insight into the beauty world of affiliate marketing? Should I purchase some products? Is this a hard business to get into? Any and all knowledge would be appreciated! Thank you!
submitted by mrs-sarabri to Affiliatemarketing [link] [comments]

Budget, Cogswell, Roadwork, Coronavirus Update #26

Budget, Cogswell, Roadwork, Coronavirus Update #26

Spring and summer means plant starts!
Hello residents! I am working hard this morning to get this update out so I can spend this afternoon on my back deck in the 25C heat and sun while participating via video in our budget discussion today. I hope you are able take time to enjoy today!
Regional Council and staff continue to work to close the budget gap that COVID-19 has created. The crux of the debate is whether to use reserves or debt to preserve staff positions and thus capacity, rather than enter into a prolonged hiring freeze. I do not support a hiring freeze for the reasons I outlined in my last update.
Some departments will end up significantly understaffed if a hiring freeze occurs, in turn leading slowing development approvals, tendering contracts, and impacting the kind of pedestrianization changes that residents and restaurants are demanding during recovery. You can read about the kind of street closures and sidewalk widening that are being talked about here https://www.journalpioneer.com/business/regional-business/east-coast-cities-considering-street-closures-so-restaurants-can-extend-patios-452134/
Significant reductions to HRM operating and capital budgets will take place under any of the scenarios being debated, but the proposed tax rate remains unchanged in any of the scenarios being debated.
An example of the kind of work that HRM and its affiliate are continuing to do while “closed” is summarized beautifully in this article in the Coast about the Library during COVID. It really is amazing! https://www.thecoast.ca/halifax/all-the-things-the-library-has-done-for-halifax-residents-since-shutting-its-doors-for-covid-19/Content?oid=24091596
In many cases, from policing to recreation, fire to libraries, demand for HRM services is higher than ever, so it is very challenging to cut operating budgets to find “savings.”
We are back at it at 1 pm today.
Cogswell District Energy
The Utility Review Board approved the first hurdle for the district energy plan for Cogswell! While Cogswell is still delayed pending completing the final land transactions we heard from staff two days ago that we should get the initiation report to allow the project to be tendered this summer. More on district energy here. https://www.saltwire.com/news/local/halifax-water-thermal-heating-plan-passes-first-hurdle-451582/
The following street closures or sidewalk disruptions are coming up: • PEPPERELL ST from VERNON ST to PRESTON ST, starting on 2020-05-25 • ARGYLE ST from PRINCE ST to SACKVILLE ST, starting on 2020-05-25

Coronavirus Update #26 | May 22, 2020

I am getting a lot of messages asking if I know details about the Province’s plan for reopening and when municipal services might come back online.
The answer is I do not know.
I’ve seen Dr Strang give his consultative PowerPoint talk in three different meetings now, and it is not much different from what has leaked to the media a couple weeks ago. I think Dr Strang and the public health team have been doing an amazing job keeping Nova Scotians safe during this difficult period. People want certainty and details that are not there yet, and indeed the timing could change if we get a spike in cases.
Be warned though, just because the Province announces something now might be allowed does not mean that the organizations that provide the services are going to be ready to provide it the next day or even the next month.
We’ve had a bit of a pattern of the Province announcing things for an immediate effect (parks), or 24 hours notice (beaches), and most recently summer day camps might be allowed to open (no time set yet).
The cuts HRM has already done, the 1400 layoffs and seasonals, are field maintenance, lifeguards, rec programmers, and summer students who run day camps. As described above the budget is challenging due to revenue reduction, and there was no way to pay people to sit around just in case maybe they could work in the future.
So fields are not being mowed and lines are not being painted for example.
Summer Day Camps will be delayed, if they are able to run at all
All this is to say that on day camps – we have not been told what that might look like, what a safe day camp might look like. Once that is determined, it will be 4-6 weeks before those program changes can be implemented and staff recalled. Realistically the earliest I see camps opening if we got the go-ahead today is the start of the second week of July if that early.
Another note of caution – if day camps have restrictions in numbers – say half as many kids are allowed to attend per leader as would be normal – that creates two challenges. First, these are cost recovery programs, so do we double the fee? Is that just? If we don’t, how do we pay for it? The second problem is that the reason HRM does not offer more summer programs is that we have trouble finding enough youth who want to be camp leaders. We hire all the available youth already. So if it is reduced campers, then we will have fewer slots than normal.
There is also a very real question – will young employees, or the parents of the youth leaders be willing to let their kids teach these camps, and take that exposure? What will those very real concerns do to HRMs ability to deliver these camps? Rec staff will do their best, but it is going to be tough. Please have patience.
“reopening” the economy
A number of business folks have taken to Twitter and various media outlets demanding the provincial government “reopen the economy.” Leaving aside that very little of the economy is ordered closed, only the parts that generally involve close contact and high risk of transmission, I am not sure it matters what the government does. I read this great article I strongly recommend, which starts by saying “Government Orders Alone Didn’t Close the Economy. They Probably Can’t Reopen It. Data shows there was a drop in spending and working even before any official mandates to stay at home.”

Even States in the US that never closed saw comparable declines. What reopens the economy isn’t a magic wand or a statement from the Premier. Leave aside the moral issue of telling people to get back to work if it is not safe, it is clear that workers will only return to work and they and their families will be safe. We are a long way from that. Until those conditions are met, nothing will really change. Again patience is required. https://www.nytimes.com/2020/05/07/upshot/pandemic-economy-government-orders.html?searchResultPosition=6
Seniors housing and Long Term Care
I was interviewed about how we can adapt to supporting the elderly in safe housing post COVID, but I think the rest of the article is more interesting than my part… how do we improve our long term care facilities. https://www.thechronicleherald.ca/news/local/covid-19-could-change-the-way-long-term-care-facilities-are-designed-in-nova-scotia-452133/
Temporary washroom at Central Library.
HRM and Halifax Public Libraries have installed two temporary washrooms with handwashing stations on the plaza behind the Central Library. Library staff will be on-site to monitor the facilities and ensure safety guidelines are followed. Staff will also be providing snack packs and menstrual products to those in need. The toilets will be cleaned daily by the service provider. One toilet is accessible, and the back plaza is accessible. Both toilets are equipped with hand sanitizers.
Next week the accessible toilet will have a handwashing station installed (the lag is due to supply issues). I am pleased that this has gone forward. If you have any questions, please don’t hesitate to reach out.
submitted by wayemason to halifax [link] [comments]

Working on Complete FBA checklist, tool, and guide (is there any demand for this?)

I went from $0 to $300,000 this past year with several products and when I was learning about FBA the youtube videos and resources were all over the place and not very succinct, and I dont believe anyone should pay these astronomical prices for FBA courses. my question is would there be any appetite here, youtube or other places for content like this checklist, with complete overview of everything people need to know, and spreadsheets that would make it easy to estimate profitability, international shipping, alibaba message templates, etc. my intent was to build all of this out into a very clear comprehensive package and sell it for like $5.99 and start making some free youtube videos.
This is just a completely rough draft and some content is shorthanded so might not make sense but the idea is to still go into detail and best practice of nearly every aspect an FBA seller will encounter. Also is this even worth the time getting into this market when I am already doing well with FBA and can just focus on building that out even more.
EDIT 1: I will message anyone that comments they are interested or want to help with more details on how to follow the project or provide inputs/feedback in the coming days.

  1. Amazon FBA overview
  2. Credibility
  3. Seller Central
  4. Methodology for potential products
    1. Demand
      1. Sales per month (4k-$50k)
      2. Not seasonal
      3. Demand at all levels of competition
    2. Low competition
      1. Low quality listing (branding, photos, listing, service)
      2. Little competitors (no FBA sellers, 1-20 sellers etc <500 reviews)
      3. Product (areas to improve, variations, extras, bundles etc, comments)
      4. Barrier to entry (Money, not COT, etc, ratings, page listings)
    3. Profitable
      1. Sale price - all costs
      2. Capital expenses
      3. Price war
    4. Differentiation of you and competition
      1. You have to be on parity with all areas and better in 2-3
      2. Cost, product, shipping, branding, service/ratings,
    5. Other factors
      1. Small & light
      2. Not hazardous (limits liability/SDS)
      3. Not complicated (limits returns and manufacture errors)
      4. Not health, food, or beauty consumable related
      5. Not patented or trademarked
      6. Not adult theme (cant run PPC and have to have 50 items sold first)
      7. Not Fad or seasonal
      8. Not trademarks/patents
  5. Product research
    1. Search
      1. Best sellers in each category
      2. Top niche sellers
      3. Discovery tools
    2. Profitability/spreadsheet
    3. Difficulties
  6. Sourcing
    1. Communication
    2. negotiations
    3. Variations
    4. Safety/payment
    5. Shipping methods
    6. Sample
  7. Product selection
  8. Branding & Design & copywriting
    1. Name
    2. Logo
    3. Services
      1. Fiverr etc
  9. Listing
    1. UPC
    2. SEO
    3. Photos
    4. Category
    5. description/bullets
    6. Tittle
    7. Hazard SDS
  10. Shipping
  11. Launch campaign
  12. First reviews
  13. Giveaways
  14. Review program
  15. Advertising & Marketing
  16. PPC
  17. Amazon Affiliate (paid to market)
  18. Banking & credit card signups
  19. Investment of time and money
  20. What skills are required
  21. Risks mitigation
  22. Timeline of what you can do concurrently and what to expect
  23. Where to go from here
  24. disclaimer
EDIT 1: I will message anyone that comments they are interested or want to help with more details on how to follow the project or provide inputs/feedback in the coming days.
submitted by visibleelements to FulfillmentByAmazon [link] [comments]

5 Side Hustles to Make Money Online - Passive and Active Income

Hey i found this video on some sidehustles to make money online. below is a sumary of the video but if you want to watch the video instead here it is https://www.youtube.com/watch?v=3gfhx1kukGM
Website number 1 is fiver.com, fiver is a website for freelancers. With fiverr you are making active income but don’t worry we will touch on some passive income ideas soon. Individuals and businesses post jobs on fiverr that they would like to outsource such as photoshopping, script writing, video editing coding and any so many other things.
Website Number 2 is Youtube.
Not Everyone knows this but you can actually make some serious money with YouTube. YouTube is a business that makes its money from advertisers who want to promote products and services on the platform. Youtubers get a portion of this advertising income when their videos have ads running on them. Ad rates vary a lot depending on your audience and the type of content you make but most youtubers will get somewhere between 50 cents and 10 dollars for every thousand views they earn.

Number 3. Drop shipping. You have probably heard of this before because with the rise of ecommerce this has become a great way to make passive income with minimal effort if you do it right. The drop shipping business model is essentially creating an ecommerce store and selling products to customers for retail price. You then buy the product from a wholesaler for wholesale price and have the supplier ship the order directly to your customer without ever touching the product. You then pay the wholesaler with a portion of the money you made from selling the product. The reason why drop shipping has become so popular is because there is no need to risk your money ordering hundreds of products ahead of time only to realize they don’t sell. You only need to order the product once a customer has bought it from your store. So basically, you are acting like a broker or middleman. You can do this by opening up a shoppify store and linking it up with oberlo. Oberlo is an app that integrates with shopify and allows you to easily source products and add them to your ecommerce store. Once you have oberlo you can go to a site like AliExpress , add the product to your store in a couple clicks using oberlo and mark the price up from the price you are buying it for on AliExpress.
Number 4 clickbank. Click bank is a marketplace for affiliates and course creators to sell their courses or services to the world. Clickbank is a great place to make money through affiliate marketing. On clickbank you can find other people products that have affiliate program and promote their products and make commission when their product sell. Affiliate marketers tend to attract customers by creating some sort of content like videos, blogs, reviews or leveraging their social media following. They then include links to the affiliate product and get paid whenever someone buys. Clickbank only sells digital products but the beauty of click bank is the commission payout is so much higher than other affiliate programs like amazon’s. Some of affiliates pay you as much as 75% for selling their services While others pay as low as 5% so keep that in mind. With that said you can make some really good money on clickbank, hundreds or even 1000s of dollars, simply head over to clickbank, pick something to sell and start making money.
Number 5 create a book
While the publishing industry used to be heavy in print, you can complete the entire process of writing, publishing, and marketing a book online these days. Websites like Create Space will let you upload and take your book to print without getting a formal publisher involved, and you can even get your book on Amazon.com so people can buy it there. Every time your ebook is bought on amazon you will receive money for the sale. The Only thing you need to do to start making money from this is a book to sell! you can write this book yourself if you are talented at that sort of thing or you can hire someone to write it for you. You don’t have to be an established author or find a publishing company to do this. You can actually do this from the comfort of your home and start earning some passive income. Sounds awesome right? The best part is its absolutely free. So signup and start making some money.
Amazon takes care of the payment processing so you can sit back, relax on your couch while making passive income. If you are seriously considering kindle pusblishing, you should definitely do more reserch on the topic. You can find free videos and tutorials right here on youtube will teach you basics. Some people make over 100k publishing kindle ebooks on amazon, its definitely a market to look into.
submitted by joshbuilds to Entrepreneur [link] [comments]

Amazon fba complete guide to start your own home business free download - ftuforums.com

Copy & Paste Our Business Model and Start Selling Your Own Products – Amazon FBA

Created by Sandor Kiss, Silvio SucowLast updated 10/2018 English English [Auto-generated]
What you’ll learn

[Course is up-to-date with April, 2017 information!]
“You can start selling YOUR products and making money in just 48 hours from now!”
You’ll discover how you can EASILY get companies to create products for YOU! So these are gonna be YOUR products with YOUR name on it! I’ll show you how to get them to do it for PENNIES on the dollar!
I’ll show you how to turn around and sell YOUR OWN PRODUCTS on Amazon for HUGE profits!
You will learn how to use Amazon FBA! They are going to handle shipping, customer support, and everything else… So you don’t have to! – All you have to do is just sit back and collect the checks!
In this system you’ll learn:

But for the first time ever, I’ll come clean and show you how you can start selling your own products supplements in just 48 hours or less. This is a HUGE cash cow that the guru’s don’t want you to know about!
You’ll get the unfair advantage and learn everything you need to know about supplements and how to get started!
And I’ll even reveal 1 trick that I recently used to make a staggering $113,749 (6 figures) from just 1 ugly video on YouTube!
You can’t find this information anywhere else. I am going to show you how to absolutely destroy the competition on Amazon FBA, how to get started selling your own products online, how to get them listed at the top of Amazon, how to get lots of traffic from Youtube, get lots of traffic from Google, and how to rake in huge income!
This is completely newbie friendly! It doesn’t matter how old you are or if you’re not a computer savvy… As long as you can follow single steps, copy & paste, you can do this!
Think this takes a lot of money to get started? Think again, it doesn’t! In this system I show you an easy way to get started with just a few dollars! You can find products for as cheap as 56 cents to make! I show you how to sell that for big profits!
The beauty in this method is that it doesn’t matter where you live, because Amazon shipping the products for you, and they are going to be handling the customer service and everything else so you don’t have to!
And I STILL Haven’t Even Gotten To The Best part…
You don’t need…

This method is way more powerful than all of that! I’ll show you how to get started with just a few bucks!
Once you set this system up, it runs complete autopilot! So you can take a vacation, sleep in, and still get paid – because this system runs for you and it runs autopilot so that way you don’t even need to be there!
Azon Cash Bomb Is A Multiple Award Winning Amazon Training Program!
The information inside this training are insider secrets that take regular guys like you and me and multiplies our cash-generating ability 100X instantly.
Secrets that put you on the same playing field as CEOs, tech startups, super affiliates and entrepreneurs who’ve been banking 6 and 7 figures for years already.
Oh, and just to make this a complete no brainer… I’m removing all the risk! Azon Cash Bomb comes with a 30 Day Full Money Back Guarantee! If you are aren’t blown away by the information inside it, you’ll get 100% of your money back!
Start to profit like a boss NOW!
Who this course is for:
Size: 1.2GB
Download link: https://www.ftuforums.com/amazon-fba-complete-guide-to-start-your-own-home-business-free-download/
submitted by free_tutorials to u/free_tutorials [link] [comments]

USAA vs. Navy Federal -- Ultimate List

I've been a proud USAA member for 15 years. I used to brag about being a member, and I have all of my business with them (checking, loan, mortgage, cards, CDs, investments).
But, in recent years, USAA has lost its way. A friend recently suggested NFCU. I checked them out and have been pleasantly surprised. It makes me sad, but I am switching some of my banking over to NFCU for some things, and will consider further switching if my experience remains so pleasant. Below is my current, personal opinion based on my experience so far. I will update as I learn more. (Links with info are below table.) (Sorry, my comparison table doesn’t appear on the mobile Reddit app.)
USAA Navy Federal
Issues PPP Loans? (Paycheck Protection Program) No. Yes.
Business Banking Products None Full business banking features including business bank accounts, business credit cards, etc!
CDs Poor. Abysmally low rates. Bottom of the industry. Great! Insanely high rates!
Branches 4. None on the west coast 343 physical branches
Cash Deposit Options Few. Inadequate. For example, zero cash-deposit ATMs in WA, home to JBLM and Naval Base Kitsap, a couple of the biggest installations in the country. Tons. If you're not near one of their 343 branches, they have a robust network of affiliated ATMs where you can deposit cash!
Phone Customer Service Hours Poor. They don’t even post their hours but if I google "USAA cusomter service hours," their business page result is "8-5." Not very military-accommodating. SEE NOTE 1 24/7/365, as it should be for a military that is 24/7/365.
Messaging/ Secure Mail Options Sucks. USAA essentially did away with all Secure Messaging features in 2019, except for insurance and investing. It used to be great, with in depth answers to messages within 24 hours. But now, you have to call or chat IF you catch them during their tropical business hours (see above). I talked to the executive whatever team and they said they killed messaging in response to customers’ input. I call bullshit. Who wants LESS access to communicate with their bank? Chat is cool sometimes, but e-mail is still a thing, and shame on USAA for making it harder for military members and veterans to talk to their bank about issues. Great! Has Secure Messaging for sending questions and account issues, for ALL products. (Though their messaging UI is a bit antiquated.)
Website Experience Nice. USAA website looks and feels modern and fast, in most areas. Mediocre. NFCU web banking feels very old and clunky. The experience is unintuitive. Pretty slow. Many buttons and graphics are low resolution and blurry, like a 90s website. Annoying in many regards (for example, if logged in, you have to logOUT to view certain pages, like mortgages and other products.) And lots of ads (see below).
Marketing (= putting any shit on my webpage offering me shit I haven't asked for) Not bad. Some ads in web banking, not invasive, modest, non-distracting. Too many. Lots of ads in web banking. They’re invasive and annoying. They seem borderline predatory toward the young enlisted members of the bank. Rates for products at the bottom of every screen, invited to use bill pay under every account, ads for products in the margins. Plus the ads are low resolution like from 1990s AOL or something.
Overall cusomter Service Has gone way down. They used to receive awards and every time I called USAA I felt like I was talking to my dad or someone I trusted who knew everything about everything. More recently, I feel like I'm talking to a 20 year old in a call center who has to look things up, has only been there a couple months, etc. What a shame. USAA used to brag about their customer service. SEE NOTE 1 Beautiful. All of the things I used to experience with USAA, so far (see <---).
Insurance Products Yes, but rates have gone way up. I have auto, home, and personal property insurance with them for years. At the suggestion of an NFCU and USAA friend of mine, for the first time in over a decade I shopped for auto insurance quotes with Geico and the others. I was saddened. Most of the quotes were MUCH lower than what I pay at USAA for the same exact coverages, with my same exact driving profile. As a result, I will be obtaining quotes for ALL my products and if there is savings, I will leave USAA. None. (but Geico might provide a discount as an NFCU member)
Investment Products Sort of. USAA appears to be bailing from investments. They're divesting all their IRA and retirement stuff this month, and they farmed out their mutual funds to Victory and IRA accounts to Schwab. Kind of annoying as I just transferred one of my long term investments over to them a couple years ago. None. (some planning tools, but no actual products of its own)
Special Military Protection During the 2019 government shutdown, USAA departed from its tradition of offering no interest loans to members that weren't paid on time. When they did finally offer loans, they charged INTEREST and completely left out the Coast Guard. NFCU promptly offered extensive NO INTEREST loans to members of all branches of the Armed Forces.
Free Checks Yes. Piece of cake. Allows name and address and multiple fields on free checks. Yes. But, ordering is unnecessarily complicated. On the check ordering screen, you have to bypass the "quick order" and click on "full catalog" to get to the "free checks" option. This is misleading. The free checks option should be obvious as soon as you click "order checks," at least with an info box telling you where to find the free checks option. ALSO- checks only allow name. No address, no extra fields, just your name. Seems stingy.
Note 1: The other night, I was looking for something on USAA, and the stupid automated IM messenger thing told me to message cusomter service. It was midnight. I was surprised that someone answered my chat, and further surprised that TIER-II was available when my issue required a higher level. They fixed my problem on the spot. HOWEVER, because USAA choose not to list their hours like a good bank should, I am not editing my review. I also don't know if this is phones or just chat; nor whether this is just for the virus. BOTTOM LINE: their hours for phones and chat should CLEARLY be on the CONTACT US page.
Note 2: Here's what my NFCU "My Accounts" main page looks like. First of all, the rates at the bottom are ALL teaser rates that most E-3s probably won't even qualify for. Specifically, I'm a little grossed out that they would tease the ARM (adjustable rate) mortgages at the bottom. ARMs are potentially dangerous financial products (see 2008 housing crisis). Second, the ADs are just very unclassy and tacky. Stock, laughable images from the 90s. I'd prefer NO ADS, or at least helpful, tasteful ads like on USAA.
Business Banking
Locations/ Cash Deposit ATMs
Phone Hours
Special Military Protection
submitted by BrazoZulu to USAA [link] [comments]

Lost in the Sauce: March 15 - 21

Welcome to Lost in the Sauce, keeping you caught up on political and legal news that often gets buried in distractions and theater… or a global health crisis.
Announcement: After consideration, I am going to try to do a weekly round-up of the administration's coronavirus response. I'm not sure what day this will be posted, perhaps Thursdays. I debated if (1) I'll have time/energy to do it regularly and (2) if it will do more harm than good (eg putting too much negativity out there). So we'll try it out this week, see what happens. The sign up form now has an option to choose to receive an email when the coronavirus-focused round up is posted.
  1. How to support: If you enjoy my work, please consider becoming a patron. I do this to keep track and will never hide behind a paywall, but these projects take a lot of time and effort to create. Even a couple of dollars a month helps. Since someone asked a few weeks ago (thank you!), here's a PayPal option and Venmo.
  2. How to get notifications: If you’d like to be added to my newsletter, use this SIGNUP FORM and you’ll get these recaps in your inbox!
Let’s dig in!

Purge quietly continues

Counterterrorism purge

Acting DNI and Trump loyalist Richard Grenell fired the top two officials (non-paywalled version) at the National Counterterrorism Center (NCTC) on Wednesday. Acting Director Russell Travers and his deputy Peter Wall were “resistant to pressure to cut personnel” at the center, which was set up after 9/11 to protect the country from further terror attacks.
One of the former officials said that Travers walked into a meeting on Wednesday expecting to brief Grenell on the center when he was told that he was out. He had no intention or desire to retire, they said.
In the meeting, Grenell told Travers he would like to know “how long it would take you to leave,” according to one of the former officials, who was briefed on the meeting. Travers replied that he would need “a few weeks” to complete the administrative work, the official recounted.
“They said, ‘Great, we’ll afford you the opportunity to retire,’ ” the former official said.
While some inside the intelligence community say the diminishing threat from Al Qaeda and ISIS should lead to a downsizing of the center, others argue that it should keep its current size and instead take up the fight against far-right extremist groups.
There are reports that the NCTC is understaffed already and further downsizing will only bring chaos:
The NCTC’s biggest problem right now, officials say, is that it is understaffed. Of its roughly 1,000 employees, about 700 are full-time government workers and 300 are contractors. About 30 percent of the government workers are supposed to be loaned by the CIA and other agencies. But a significant number of these interagency transfer positions are vacant, an NCTC veteran said, weakening the cross-government mission. With Grenell’s hiring freeze, and the reluctance of the CIA and other agencies to send transfers, the personnel shortage is becoming more severe.
Former intelligence chiefs sound alarm
The following former intelligence chiefs wrote an op-ed in the Washington Post (non-paywalled summary) warning that “[w]e cannot let the covid-19 pandemic be a cover for the deeply destructive path being pursued by the Trump administration.”
Travers and his deputy, a career National Security Agency officer, were the epitome of what we strive for in national security: nonpartisan experts who serve the president and the American people with no regard to personal politics. Now both are gone, to be replaced by as-yet-unnamed acting heads who will undoubtedly know less and who will be more beholden to the intelligence community’s politicized leadership.
...Congress must reinvigorate the strictest of oversight to preserve what is left of the country’s prized, apolitical intelligence community. Post-9/11 reforms happened for a critical reason: The U.S. bureaucracy wasn’t prepared for a new era of threats. Indeed, the NCTC is a model of how the government should work in close coordination and with unity of effort in response to a crisis. It provides critical lessons for today’s challenge. The administration’s continued politicization of intelligence pulls the nation further from this goal, making us more vulnerable to the next national security threat regardless from where it emanates.

OPM resignation

The Director of the Office of Personnel Management (OPM), Dale Cabaniss, resigned suddenly last week after reportedly experiencing “poor treatment” from the parachuted-in head of the Office of Presidential Personnel (OPP), John McEntee, and White House liaison Paul Dans. The OPM is in charge of processing and approving/denying security clearances and functions as the human resources management policy shop for the federal government’s civil service.
McEntee was a Fox News production Assistant who joined the Trump campaign to organize and execute Trump’s rallies. At only 27 years old, he joined Trump’s administration as his body man (personal aide who accompanies the president everywhere). However, in 2018 McEntee was forced to resign due to gambling debts that prevented him from gaining a security clearance. Trump’s re-election campaign immediately hired him. Then, in January 2020, McEntee returned to the White House to direct the OPP, where Trump tasked him with identifying and purging officials throughout the administration who were not thought to be loyal enough to the president.
McEntee's return to the White House has roiled the administration with some officials criticizing the former Trump campaign staffer for what they see as an effort to stock the administration with his friends, including at least three college seniors… James Bacon, 23 and a senior at George Washington University, was hired to be one of McEntee’s righthand men as he tries to fill the Trump administration with loyalists and fire anyone who they suspect of disloyalty.

DOJ drops Concord case

Early last week, the Justice Department filed a motion to dismiss the charges against Concord Management and Consulting LLC and Concord Catering, both companies run by “Putin’s chef” Yevgeny Prigozhin. The original indictment was filed by Mueller against the two Concord companies, 13 Russian individuals, and the Internet Research Agency for conspiring to defraud the U.S. by interfering in the 2016 election. While the Concord companies will no longer be prosecuted, the Justice Department will continue to pursue the charges against the other entities and individuals, including Prigozhin himself.
Prosecutors explained that going forward with the trial would risk national security because Concord has been gaming the system to Russia’s benefit:
DOJ attorneys involved in the case, [Marc Raimondi, a spokesman for the Justice Department's National Security Division] said, reached the decision by evaluating "the risk versus the reward. Who are you going to hold accountable? They have nobody except an outside attorney. So what are you getting in return for all of this information that we're providing that details how we conduct investigations into foreign interference?"
Others have raised questions about the decision to drop the case, especially in light of Attorney General Barr’s continued interference in Mueller’s cases.
"I don't buy it," tweeted Marc Polymeropoulos, a former CIA officer who worked on the assessment of Russian election interference that was partially released to the public. "DOJ does this all the time with CIA info. There's a process for this. Something smells..."
"This is highly irregular," said Barbara McQuade, a former federal prosecutor. "These decisions are made before indictment."

Trump cases

Trump-appointed judge Trevor McFadden again put the Ways and Means Committee lawsuit for Trump’s taxes on hold last week. McFadden issued the stay for the same reason as he did the first time: to wait until a final decision is reached in the case for Don McGahn’s testimony. The full D.C. Circuit Court of Appeals is set to hear the McGahn case at the end of April, but the coronavirus outbreak could postpone the proceedings indefinitely.
McGahn presents several threshold questions that bear heavily on the Executive’s motion to dismiss here... The subpoena-enforcement issue is unsettled for now. And piecemeal litigation would be an inefficient use of resources. These reasons alone favor a stay… Thus, the Court will await further proceedings in McGahn before it acts...
Also due to the coronavirus outbreak, the Supreme Court will be delaying oral arguments for the foreseeable future. This includes the three cases seeking Trump’s financial records: Manhattan DA Vance’s subpoena to Mazars, the House Oversight Committee’s subpoena to Mazars, and subpoenas issued by two House committees to Deutsche Bank and Capital One. The hearings were scheduled for this week. It is not clear when arguments will take place.

McConnell presses judges to retire

Senate Majority Leader Mitch McConnell is pressing (non-paywalled) sitting judges who are eligible to retire to quickly step aside so Trump can nominate and confirm their replacements before the November elections. There are about 90 Republican judges (ie appointed by Reagan, Bush Sr., and Bush Jr.) who have the choice to retire.
According to the New York Times, “Republicans are reminding the judges that it could be another eight years — 2029 — before they could leave under a Republican president.” This gives the impression that Republicans are increasingly worried about Trump’s prospects for re-election.
Judicial advocacy group Demand Justice’s Executive Director Brian Fallon: Mitch McConnell is directly pressuring sitting judges to retire to manufacture new vacancies for Trump to fill with younger nominees. This is conservative court packing.

Texas upholds voter fraud sentence

A three-judge panel of the Fort Worth appeals court upheld a lower court’s sentence of 5 years in prison for illegal voting. Crystal Mason cast a ballot while on supervised release because she did not know that she couldn't vote after she was released from jail; according to the law, felons must finish their sentences entirely, including probation. Mason cast a provisional ballot in the 2016 election that was not counted. When taken to trial in 2018, Mason’s probation officers testified to the court that they never told Mason that she couldn’t vote.
“Contrary to Mason’s assertion, the fact that she did not know she was legally ineligible to vote was irrelevant to her prosecution,” Justice Wade Birdwell wrote for a three-judge panel on Texas’ second court of appeals.
According to The Guardian: “The decision to prosecute Mason was unusual. Since 2014, at least 12,668 people have voted using a provisional ballot in Tarrant county and 88% of them have been rejected because the voter was not eligible. Mason is the only voter who used a provisional ballot who was prosecuted for illegal voting.”
Mason’s attorneys intend to ask the full court of appeals to rehear the case.

Duncan Hunter sentenced

Last Tuesday, former California Rep. Duncan Hunter (R) was sentenced to 11 months in jail and three years of probation after pleading guilty to misusing more than $200,000 in campaign funds for personal expenses.
Federal prosecutors charged that Hunter had fraudulently spent more than $200,000 on expenses that included a $14,000 Italian vacation and thousands of dollars on routine items like groceries, bedding and other household items.
Margaret pleaded guilty to one count of conspiring with her husband to use $25,000 in campaign funds for personal use, and is yet to be sentenced. Duncan Hunter appeared to blame his wife for the then-alleged crimes in a television interview at the time, saying she was the one handling his finances.

Border wall still being built

Despite the pandemic sweeping America, causing severe shortages everywhere, the Trump administration is continuing to spend resources on building a wall at the southern border. Last week, the Department of Homeland Security and the Customs and Border Patrol announced a plan to build over 91 miles of barriers along the Arizona-Mexico border, waiving a series of federal laws in order to speed up construction.
DHS published a notice on Monday in the Federal Register waiving 37 environmental and cultural laws to expedite construction of the 91.5 miles in Arizona, plus 86 miles along other parts of the U.S.-Mexico border.
Environmentalists warn that the 30-foot-high steel fencing will close all remaining wildlife corridors that the few jaguars still active in the United States use to wander their habitat: “The new border walls will mean the end of jaguar recovery in the United States,” said Randy Serraglio, a conservation advocate at the Center for Biological Diversity. “This tragedy’s all the more heartbreaking because walling off these beautiful wildlands is completely unnecessary and futile. It has nothing to do with border security and everything to do to with Trump’s racist campaign promise.”
Cost of border wall vs cost of ventilators
Out of curiosity, I calculated how many ventilators could be purchased with the money Trump is pouring into the border wall this year. Taking into account just the $7.2 billion in military funds Trump transferred to the wall project earlier this year, the administration could buy 144,000 ICU-grade ventilators for the nation.
Currently, the U.S. emergency medical stockpile has only 13,000 ventilators according to the coronavirus task force. Hospitals are reportedly avoiding ordering ventilators themselves because they can’t afford the $25,000-50,000 price tag per machine.

Border Patrol didn’t keep records of families

A report by the Government Accountability Office revealed that Customs and Border Patrol agents consistently failed to record when children were separated from family units at the southern border:
GAO found Border Patrol did not initially record 14 of the 40 children as a member of a family unit (linked to a parent’s record) per Border Patrol policy, and thus did not record their subsequent family separation.
GAO found an additional 10 children among the 40 whose family separations were not documented in Border Patrol’s data system as required by CBP policy during this period. Border Patrol officials were unsure of the extent of these problems, and stated that, among other things, data-entry errors may have arisen due to demands on agents as the number of family unit apprehensions increased
Bennie Thompson, chair of the House Homeland Security Committee:
“Not only was this administration’s family separation policy heartless — they bungled its implementation at every turn," Thompson said in a statement. "The Acting DHS Secretary claims no children have been lost — but is withholding documents on this matter from Congress. It’s time for the Administration to come clean and provide these so we can get a full accounting of this policy.” (Source)

Trouble at Trump Doonbeg

A local Irish planning board denied the Trump Organization’s request to build a sea wall to protect its Doonbeg golf resort from coastal erosion. The board said it was “not satisfied beyond reasonable scientific doubt that the proposed development would not adversely affect the integrity of the Carrowmore Dunes special area of conservation.”
The Trump Organization may close the resort if it is not allowed to build the sea wall, it says. Local residents and businesses are upset with the ruling because the Doonbeg course provides jobs for roughly 300 locals.
The struggling Irish resort has had one steady source of income, though: American taxpayers paid Trump’s company $15,144.94 for Secret Service lodging during Vice President Mike Pence’s September 2019 trip to the resort, according to CREW.
We can now say definitively that Pence’s detour not only cost taxpayers extra due to large transportation costs, but also that the bill subsidized one of Trump’s struggling businesses. Despite Trump spending $41 million to buy, renovate, and operate the property, Doonbeg has never turned a profit. That hasn’t stopped (and some suggest it has encouraged) Trump making a visit to the property.
...To accommodate Pence’s stay at Doonbeg, taxpayers also had to foot the bill for extensive travel. In September, CREW reported that government contracts for limousine transportation associated with the visit amounted to $599,454.36. The new documents show a $222,764.05 bill for the same limo service, but it is unclear whether that is in addition to the previously reported contracts, or a part of that cost.

Trump Jr.’s donor party

Don Jr.’s girlfriend, Fox News-alum Kimberly Guilfoyle, had a “lavish” birthday party at Mar-a-Lago last Sunday, attended by dozens of Trump family and friends. The party-goers reportedly picked up the tab, included at least four financial supporters of the president’s re-election campaign. The New York Times reported (non-paywalled) that the attendees paid a signifcant amount of the $50,000 total cost.
Brendan Fischer, an official at the Campaign Legal Center, a nonpartisan watchdog group, called the party “an illustration of the blurred lines between Trump’s presidency, his campaign, and his family’s personal and financial interests.”
...Donald Trump Jr. reportedly joked that Ms. Guilfoyle would be soliciting contributions for his father’s re-election from party attendees.
“You are in this room for a reason,” he said, according to The Washington Examiner. “You guys have been the warriors, the fighters, the people who have been there every time we have made a call, every time we made a request.”

Kentucky voting restrictions

While the nation has been distracted with the pandemic, Kentucky lawmakers approved new photo ID requirements that make it harder for Americans to vote. Previously, a voter only had to sign an affidavit swearing that they were unable to obtain acceptable identification for whatever reason. Now, lawmakers will only accept specific approved reasons for lacking an ID and require that only Kentucky IDs can be used to vote.
DMV offices, one of the most common places people would obtain a photo ID throughout the state are also closed as Kentucky deals with 47 cases of Covid-19 thus far. The Kentucky primary is scheduled to take place on 23 June (the state postponed it from 19 May amid the coronavirus outbreak) and the deadline to register is 20 April.
While Kentucky’s governor, Andy Beshear, is a Democrat and can veto the bill, the state’s legislature is controlled by Republicans and can vote to override the veto. It is likely they will override a veto because the Republicans want the new law in place for Mitch McConnell’s re-election this November.

DHS IG’s office

The Washington Post reports that the Inspector General’s office of DHS is essentially dormant under Trump:
The Department of Homeland Security’s internal watchdog division has been so weakened under the Trump administration that it is failing to provide basic oversight of the government’s third-largest federal agency, according to whistleblowers and lawmakers from both parties.
DHS’s Office of the Inspector General is on pace to publish fewer than 40 audits and reports this fiscal year, the smallest number since 2003 and one-quarter of the agency’s output in 2016, when it published 143, records show. The audits and reports cover everything from contracts and spending to allegations of waste and misconduct.
Meanwhile, DHS has an unprecedented amount of vacancies:
It has been nearly a year since the Department of Homeland Security has had a Senate-confirmed leader. Acting Homeland Security Secretary Chad Wolf, the fourth person to lead the agency in three years, has been on the job less than six months.
In addition, 65 percent of top jobs in the department are vacant or filled by acting appointees, more than in any other federal agency, according to the Partnership for Public Service, a nonprofit group that advocates for more effective government. Among the vacancies are the No. 2 official at the Federal Emergency Management Agency, the department's top lawyer and the head of the country's immigration system.

Environmental sabotage continues

Far right threat

The Southern Poverty Law Center (SPLC) reports that there has been a 55% increase in the number of far-right extremist groups since 2017. Several of these groups identify themselves as “accelerationists," who believe "mass violence is necessary to bring about the collapse of our pluralistic society,” according to the report.
Much of the movement’s energy lies in the growing accelerationist wing, which, for the most part, is organized in informal online communities rather than formal groups.
Also last week, Yahoo News revealed an intelligence brief written by the Federal Protective Service warning that white supremacists on the encrypted messaging app Telegram have discussed plans to weaponize the coronavirus via “saliva,” a “spray bottle” or “laced items.”
According to the Federal Protective Service intelligence brief, the discussion of spreading the coronavirus occurred in a channel on the app Telegram that is devoted to the “siege culture” philosophies of neo-Nazi author James Mason and “accelerationism.” Mason wrote a series of newsletters titled “Siege” in the 1980s that advocated for acts of racial terrorism in order to hasten a war that would cause the breakdown of society.

Pompeo threatens ICC

Secretary of State Mike Pompeo responded to news that the International Criminal Court will investigate alleged war crimes committed by United States forces in Afghanistan by bashing the decision and threatening court staff and their family members:
"It has recently come to my attention that the chef de cabinet to the prosecutor, Sam Shoamanesh, and the head of jurisdiction, complementarity, and cooperation division, Phakiso Mochochoko, are helping drive ICC prosecutor Fatou Bensouda's effort to use this court to investigate Americans," the secretary of state said. "I'm examining this information now and considering what the United States' next steps ought to be with respect to these individuals and all those who are putting Americans at risk."
"We want to identify those responsible for this partisan investigation and their family members who may want to travel to the United States or engage in activity that's inconsistent with making sure we protect Americans," he continued.
Amnesty International condemned Pompeo’s statement:
“Perpetrators the world over now have a clear message from the United States: they too may demand impunity when their nationals are accused of the gravest of crimes… Secretary Pompeo’s open threat against family members of ICC staff is an ominous move. If there remained any doubt that the Trump Administration’s hostility towards the court is fundamentally punitive and callous in nature, these doubts have now been dispelled.”
submitted by rusticgorilla to Keep_Track [link] [comments]

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