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Best ETFs for 2018 - Duration: 9:57.
Welcome back to WhiteBoard Finance.
My name is Marko and I'm here to help you mastering your money and build your wealth.
If you're interested in stock market investing real estate investing personal finance or
entrepreneurship.
This is definitely the channel to be subscribed to.
Today we're talking about the four best easy acts for 2013.
Three of these are rock solid picks and the fourth one I'm going to lead to the end where
you can see what I'm talking about.
That's going to be my one speculative pick for the year for those of you watching this
video you probably already know what an ETF is.
For those of you that don't and ETF simply stands for exchange traded fund and ETF is
a security that tracks an index of commodity bonds or a basket of funds or assets.
Kind of like an index fund does.
Unlike mutual funds and ETF trading like common stock on the stock exchange this means that
it's very liquid and it's also a lot less expensive or there's less fees involved with
an ETF because it's passively managed.
It's not like a mutual fund it's actively managed.
So who picks that I'm going to show you today aren't necessarily in the sexiest ETF in the
world but I guarantee you if you regularly contribute investment amounts whether it's
weekly monthly or even yearly.
Yes.
Some of the gains that you've seen in the past were definitely in the wake of a millionaire
in 30 or 40 years and that's no joke.
So with that being said let's get into it.
Number one is VUG Vanguard a growth fund.
This is the single largest holding in my personal portfolio and keep in mind that I'm a medium
to long term investor.
This
one is definitely going to stay there for literally decades.
This is why contributing to for a number of years now and the returns have been pretty
good.
The VUG fund the growth fund actually focuses on third 313 U.S. large cap growth stocks
and they've been relatively stable over the years.
So the one year return has been twenty four point to seven percent which is awesome versus
the S&P 500 which has only returned about 17 point nine.
The five year returns have been a hundred and one and a half percent versus the same
period against the S&P which has been 89 percent.
This means that over five years for every dollar you put in you get a dollar back in
investment.
So if I put in ten thousand dollars over that period of five years I made ten thousand dollars
on top of that.
That's pretty good in the stock market considering the low level of risk with this ETF.
It's not always that they have or Apple Amazon Facebook alphabet which is Google visa Home
Depot Coca-Cola Conklin's and Philip Morris So this gives you a good mix of large cap
growth companies with a solid one point twenty 8 percent dividend yield.
And this makes this a guaranteed staple in my portfolio for a long time to come.
Number two we have the spider S&P 500 ETF trusts.
So this is literally the oldest ETF ever created.
It
was launched in 1993 probably prior to a lot of my viewers birthday to be honest and pretty
close to where I was born as well.
One of the most solid.
Over these last years the spider S&P 500 literally traps all the companies that are contained
within the S&P 500.
And you guessed that I mean it's had a great return especially after the recession.
So the one year has been 18 percent returns.
And the five year has been eighty nine point six.
So again for every let's say 100 dollars that you put in over the last five years you're
hitting eighty nine dollars on top of that.
That's a pretty good return to you guys again for the low level risk.
The top 10 holdings and the spider S&P 500 trust or Apple Microsoft Amazon Facebook Johnson
and Johnson Berkshire Hathaway that's Warren Buffett's holding company J.P. Morgan Chase
ExxonMobil gold and Bank of America the spider 500 trusts for investors who want just a little
bit less volatility as I mentioned.
And it's a great set it and forget it ETF that you just had to have monthly just like
the Vanguard Growth Fund is.
So that's my number to pay for 2013.
Number three.
I am the Vanguard high dividend yield.
Dividend paying stocks tend to perform better when you look at it apples to apples as a
group compared to non dividend stocks over the long term.
And they also weather tough economic times a little bit better as well.
So this is this ETF is for investors who want exposure to rock solid dividend stocks but
don't want the guesswork necessarily involved picking individual ones.
So this fund invests in 401.
Stocks that paid higher than average dividend yields and specifically excludes REITS so
read is a real estate investment trusts.
There's no real estate holdings in this.
Yeah the one your return has been twelve point three six and the five year has been seventy
point to four.
So those are pretty solid numbers you guys.
The top 10 holdings are Microsoft Johnson and Johnson J.P. Morgan Chase ExxonMobil Wells
Fargo Procter and Gamble Chevron AT&T Pfizer and Intel.
The
dividend yield for this overall portfolio is two point eighty five percent.
So for those of you that don't know what a dividend yield is it's very simple.
So look at it this way the dividend is when a company has excess funds on its balance
sheet so it pays you in as an investor you can either be a monthly dividend quarterly
dividend or a yearly dividend.
So that 2.5 percent.
Put that into perspective for you if you invest a hundred dollars.
You're getting paid two dollars and 85 cents annually if you invest a thousand dollars
is 20 50 annually.
If you invest ten thousand dollars.
Two hundred and eighty five dollars annually.
And finally if you invest a hundred thousand dollars you're getting back 2300 50 dollars
annually.
And if you do a million obviously that's twenty thousand five hundred.
So when you keep adding to a fund like this over time and it not only isn't growing with
appreciation because the ETF is valued higher the dividend yield is also excuse me also
pay you your monthly quarterly or annually.
So are you getting paid that weighs well.
So this is a pretty good pick for the long term not just for 2013 as well number for
our ETF investment trust.
So the arc ETF is an actively managed form that focuses on companies working Next-Generation
sectors and mostly they're investing in the Bitcoin Investment Trust which is pretty cool.
So they're investing in cryptocurrency that are investing in companies like 10 cents a
big data cloud computing companies.
So it's got a nice mixture of recognizable names as well as the lesser known speculative
companies.
So the big Bitcoin Investment Trust is actually the top holding in art and this fund is betting
heavily on bitcoin and crypto currencies.
So while that may seem like an unnecessary know heavy risk.
I believe this could possibly be a huge payoff based on what we've been seeing crypto especially
in 2017.
So let's take a look at the one year the one year it's gone up about eighty five point
three percent.
And the maths this year has been in existence in October 2014 and since then it's been about
a hundred and thirty nine percent gain which is crazy you're almost doubling and a half
times your money.
So the top 10 holdings as I mentioned earlier Bitcoin Investment Trusts Amazon Athena hello
Twitter Tesla to you in Netflix and via Google and Midhat cargo bay.
And I have no idea who that company is I need to look into that.
So Bitcoin and the block chain as we all know are going to be the ultimate disruptors especially
in finance going from 2018 and everything that we know about business and finance is
going to change over the next several years.
So I think that this ETF could be one to hold onto.
So if you don't want to invest directly into crypto currencies are you scared or risk averse
take a shot at heart.
This
could be a really cool ETF in the long run.
And those are my top four ETF for 2013.
E-commerce are a great way to invest over the long term with low volatility and if you're
a passive investor edX are a great way to get solid numbers without having to spend
hours per week per month however you want to research and picking individual stocks.
So my question of the day below is which of these funds are you most likely to invest
in.
And if you know please let me know if you're still unsure I'd be happy to answer any questions
that you may have in the comments.
If you get any value out of these videos you guys please share them with your friends and
family subscribe if you haven't already.
I really appreciate it.
These videos take a long time to make and with all that being said.
Have a prosperous day.
Hey are you going to invest in cryptocurrency in 2013.
I know.
OK.
What is that.
Good answer.
I agree or maybe I shouldn't say that is the reason you download it.
All right thank you.
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Pietro Lombardi: Süßes Ständchen für Söhnchen Alessio - Duration: 3:02.
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UMOD RELEASE + DOWNLOAD!! Last Christmas by WHAM! [Stylus#4] - Duration: 5:53.
Last Christmas, I gave you my heart
But the very next day, you gave it away
This year, to save me from tears,
I'll give it to someone special
Last Christmas, I gave you my heart
But the very next day you gave it away
This year, to save me from tears
I'll give it to someone special
(Instrumental)
Once bitten and twice shy
I keep my distance
But you still catch my eye
Tell me, baby
Do you recognize me?
Well, it's been a year
It doesn't surprise me
I wrapped it up and sent it
With a note saying, "I love you, " I meant it
Now, I know what a fool I've been
But if you kissed me now
I know you'd fool me again
Last Christmas, I gave you my heart
But the very next day you gave it away
This year, to save me from tears
I'll give it to someone special
Last Christmas, I gave you my heart
But the very next day you gave it away
This year, to save me from tears
I'll give it to someone special
(Instrumental)
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How to Create External Virtual Switch in Hyper-V on Windows 10 | SYSNETTECH Solutions
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6 evil lies about net neutrality that got it repealed | Complete history of net neutrality explained - Duration: 29:31.
There are two kinds of people.
Those who want net neutrality, and those who don't know they want net neutrality.
This guy wants it, this guy wants it, even this guy wants it, he just doesn't know it yet.
Everybody talks about net neutrality and it seems enough has already been said, so it
might look like I am late to the party.
But I am making this to say something that hasn't been discussed yet.
Or not enough at least.
Net neutrality is a bureaucratic warfare.
I am going take you through the history and legality of the net neutrality rules.
Because I have no life, I've actually went through the legal documents behind net neutrality,
including but not limited to the 1934 Communications Act, the 1996 Telecommunications Act, the
Open Internet Order of 2010, net neutrality order of 2015, and the most recent draft order
to repeal net neutrality altogether.
And I'd wholeheartedly appreciate if you compensated for the lack of my social life
by commenting on and sharing this video.
Audience engagement doesn't just make the Youtube algorithm wet.
It would also make my nether regions engorge.
I split my talking points into 6 most evil lies about net neutrality that are used as
arguments against it and I present my counter-evidence to all of them to be used as weapons in the
battle for free and open Internet.
The battle isn't done until Trump signs the bill so let's not resign yet.
We have plenty to cover so here we go!
#1 Net neutrality is overreaching
Perhaps the biggest lie that triggered the whole repeal of net neutrality is that the
FCC rules are overreaching and that the regulation is just too long and complex.
But let's truly see how long the actual net neutrality rules are.
So you have this document coming from the FCC in 2015 that they say is when Obama ruined
the freedom of Internet.
That is horrendous, that's 400-page-long piece of legislation right there.
There is only one problem.
This is not 400 pages of net neutrality rules.
This is 400 pages of a very long, detailed, and in-depth analytical report that the FCC
had to make to justify their proposal in front of the Congress.
The vast majority of this stuff can be skipped if you are not interested in learning about
America's bureaucratic history and their arguments for net neutrality don't matter
to you.
But if you want to go straight to the rules, you just have to skip to the Appendix A, on
page 283.
This is what got voted on, and this is what got written into the law.
This is the very regulatory bit.
The rest of this document has nothing to do with being a regulation.
So let's count together how long this horrendous net neutrality regulation really is.
One.
Two.
Three.
Four.
Five.
Six.
Seven.
Eight.
That's it.
To put into a perspective, The Communications Act that established the Federal Communications
Commission in 1934 and gave this cunt a job, is 333 pages long, and the 1996 Telecommunications
Act is 128 pages of pure regulation.
And to get even bigger picture on this, the actual net neutrality rules don't even span
over the full 8 pages.
They barely cover more than half a page of text.
There are only four short legal paragraphs describing the rules of 'no blocking',
'no throttling', 'no paid prioritization', and 'no unreasonable interference or disadvantage
standard for Internet conduct'.
So the argument that the net neutrality rules are just unnecessary micro-managing over the
line regulation that needs to be cut off is just a big BIG lie.
Pai's proposal straight out deletes all of the net neutrality paragraphs, which cuts
the regulation by impressive 6 pages.
The commercial Internet started off of telephone
networks, which were tightly regulated and barred from any unreasonable blocking, interference,
or preference in content, services, applications and devices.
But when this technology was replaced by high-speed cable-broadband and DSL, the '96 Telecommunications
Act deregulated these to stir up competition.
This gave high-speed broadband providers strong incentives and opportunity to block and throttle
competitive traffic.
The first to become a victim of such practices were applications like "Voice over IP",
when Skype began offering telephone calls over the Internet for a fraction of the cost
of the landline or cell phone calls.
Then, big broadband ISPs started to implement termination fees to squeeze more money out
of the system by charging websites extra for connecting them to their customers.
Some ISPs with broadband commenced to block Virtual Private Networks, which were then
popular among firms to connect off-site workers to their company networks.
Comcast released a statement that they will block all VPN traffic, but offer their customers
to use their equivalent @Home Pro for an additional cost of $95 per month.
AT&T went full retard when they said this to their DSL customers in the early 2000s:
Examples of prohibited programs and equipment include, but are not limited to, mail, ftp,
http, file sharing, game, newsgroup, proxy, IRC servers, multi-user interactive forums
and Wi-Fi devices Customer shall not connect the Service or
any AT&T Broadband Equipment to more computers, either on or outside of the Premises, than
are reflected in Customer's account with AT&T Broadband.
Customer acknowledges that any unauthorized receipt of the Service constitutes theft of
service, which is a violation of federal law and can result in both civil and criminal
penalties.
Throughout 2011 Verizon was blocking Google Wallet which almost cost the mega-behemoth
to kill their project.
Google was only lucky that T-Mobile and AT&T didn't follow suit.
And of course, Verizon did this to prioritize their own mobile payments service, which was
then called
And then there is this whole Netfilx vs Verizon saga.
When you subscribe to Verizon broadband, you technically didn't get access to the Internet.
You are paying for access to Verizon's network.
Verizon, invisibly to you, makes deals with other bandwidth providers and edge providers,
to exchange the traffic.
But because they have such a monopoly on end users, Verizon has the position to blackmail
edge providers into higher costs for exchanging the traffic between them and their customers.
There is a lot of politics behind the closed doors.
When Verizon had a beef with Netflix, it was because Netflix was competing with Verizon's
Redbox Instant.
And they wanted their customers to have better experience with Redbox rather than Netflix
without actually making a better service.
In the end, Redbox Instant shut down after 19 months since its release, because Verizon
did a shitty job at offering a good service and preventing criminal abuse.
Literally criminals used Redbox subscriptions to verify stolen credit cards.
So when the ISPs start charging customers for access to entertainment packages, the
reality is that it doesn't matter how much you pay Verizon for better broadband speeds.
Verizon wants to be a gatekeeper for edge providers to their customers so that they
can be the ones controlling the exchange of Internet traffic.
These deals depend solely on Verizon's business model and anti-competitive network management
practices.
No amount of your consumer money and begging is going to influence how Verizon treats Internet
traffic.
Which leads me to predict that this whole model of "Internet subscription packages"
that we so fear after the repeal of net neutrality won't be feasible in the long run.
That's because ISPs simply won't be able to blackmail edge providers into paying more
and ask customers to pay extra to access social media and online video at the same time while
breaking promises made to both.
Which would make the Federal Trade Commission to step in.
They'll either have to choose one, or they'll straight out give you a tightly limited ISP-filtered
version of the Internet, where all you'll be able to access are your ISP products and
affiliates.
So instead of accessing the Internet, we'll all be accessing Verizon, AT&T, Comcast, or
T-Mobile intranets.
#3
Net neutrality is unprecedented . It didn't exist before Obama.
This is so wrong on way too many levels that it's
unbelievable someone would say this with a straight face.
The first commercial ISPs in the 1990s had a special position as this was the time before
broadband came to play.
Most people had Internet access routed through telephone networks.
The FCC made a strong set of rules that were protecting the ISPs from any unreasonable
or unjust discrimination by the telecommunications operators.
If somebody wanted to become an ISP, they would have to prove they abide by an FCC requirement
called "Maximum Separation".
This was a principle decided on by the Commission after decades long proceedings discussing
how to regulate the new technology of computer networks.
These proceedings were called Computer Inquiries.
The computer Inquires were initiated in the 1960s at the time when the Internet's predecessor
– Arpanet – was going online.
The dilemma for the Commission was how and whether to regulate computer networks.
The source of authority for the Commission had been the 1934 Communications Act that
established the FCC to regulate the telecommunications and information industry and infrastructure
in the US.
The Act wanted to ensure that AT&T wouldn't use its monopoly in telecommunications industry
to hijack all other markets which depended on the telecommunications infrastructure.
The Act classified services between Title I, which was a light regulation, and Title
II bright-line regulation of common carriers.
The Maximum Separation rule prohibited businesses regulated under Title II to enter Title I
markets under the same entity.
"The FCC required that a carrier establish a separate data processing corporation, have
separate accounting books, have separate officers, have separate personnel, and have separate
equipment and facilities."
The Title II clearly specifies that all common carriers are prohibited to make
any unjust or unreasonable discrimination in charges, practices, classifications, regulations,
facilities, or services for or in connection with like communication service, directly
or indirectly, by any means or device, or to make or give any undue or unreasonable
preference or advantage to any particular person, class of persons, or locality, or
to subject any particular person, class of persons, or locality to any undue or unreasonable
prejudice or disadvantage."
The FCC was then free to define the specifics of what's reasonable and what isn't, what's
a just practice and what's a discrimination.
But the most important aspect was defining which providers of what service should be
classified as common carriers and follow the Title II regulations.
And this is what started the bureaucratic warfare that had both principles for and against
net neutrality developing alongside each other.
The FCC wanted all traffic to be treated equally, while at the same time, they wanted to stir
up competition and innovation that would boost America's economy.
We have to remember that this was set deeply in the Cold-War era when the US's goal was
to out-compete the Soviet Union.
They couldn't allow their enemy to have any technological advantage over the US.
Basing their logic on the authority of the Act, the FCC sought for a dichotomy of classifications
– to differentiate between services that should be tightly regulated and those that
shouldn't.
At first they started looking at this from a technological standpoint.
They identified communications processing as a basic service that should be regulated
and data processing as an innovation, an enhanced service, that should be left to the competitive
market.
Basic services were communications networks, and enhanced services were everything more
built using the communications infrastructure.
But this created odd problems.
Technologies are used interchangeably as they develop and innovate, until they become indistinguishable.
Many basic services were both data and communications processing and the same went for the enhanced
ones.
One thing that became clear though was that the data processing market was highly competitive,
but also completely dependent on the communications market, which was monopolistic.
Keeping this dichotomy logic in mind, the Commission realized it had to look at the
issues from the standpoint of different markets, and not different technologies.
The FCC took to focus on different markets and identified three layers – the telecommunications
market, the ISP market built on top of that telecommunications infrastructure, and the
Internet content market enabled by the ISP market.
The FCC then decided that its position should be to protect competitive markets from anti-competitive
practices of monopolistic markets.
To protect other markets, the first layer was decided to fall under the Title II regulations,
because they were monopolistic and had both incentives and opportunities to be anticompetitive.
The second layer was vastly deregulated, because the FCC saw the potential of thousands of
ISPs entering this competitive market.
Finally, the third market, which is were Google, Skype, Facebook, or you and I operate, was
completely left out of the Communications regulations.
If anybody from a monopolistic market wanted to enter an unregulated competitive market,
they would have to prove maximum separation.
Finishing Computer Inquiries in 1986, it is safe to say that without these safeguards,
the commercial Internet might have never been possible.
It would've been immediately hijacked by the monopolies in the communications market
like AT&T entirely.
The principle that the FCC should regulate monopolies to protect innovation proved to
be extremely successful for the 1990s Internet.
At its peak year of 1998, households in North America had access to over 7,000 independent
ISPs.
But when high-speed broadband entered the market, things started to change.
In 1996, the US government adopted new Telecommunications Act, which took on the same dichotomy the
FCC laid out in the Computer Inquires.
To keep things simple, basic services were classified as telecommunications, regulated
under Title II, and enhanced services became information services lightly regulated under
Title I. Exclusion of broadband from Title II meant
Maximum Separation was no longer a requirement for a monopoly to enter an unregulated market.
The Bush Administration saw a rampage of ISP mergers and acquisitions.
When the courts upheld the FCC's decision to relieve cable and DSL broadband from Title
II in the early 2000s, the Commission adopted Internet Policy Statement where it outlined
four principles to "encourage broadband deployment and preserve and promote the open
and interconnected nature of the public Internet".
These principles focused on the exclusive choice of consumers and not the ISPs to:
1. access the lawful Internet content
2. run applications and services
3. and connect legal devices that do not harm the network
the 4th rule entitled consumers to competition among network, service, application, and content
providers.
These principles turned into policy rules when the FCC subjected Verizon and AT&T to
honor net neutrality, after they merged with MCI and SBC.
These rules were strictly codified in the agreements made between the FCC and each of
the corporations, but they eventually expired in 2008.
Newly appointed FCC Chairman Genachowski took this Internet Policy Statement to codify net
neutrality in the Open Internet Order in 2010.
FCC adopted three net neutrality rules – no blocking, no unreasonable discrimination,
and the transparency requirement.
However, the FCC based its reasoning on the ancillary authority of the Title I regulations
of information services.
This means that broadband ISPs were still classified under Title I. Title I doesn't
specify any concrete regulatory guidelines, but the FCC can take various interpretations
of different approvals from Congress to implement its rules until somebody challenges them in
court.
When the Commission wanted to hold Verizon and Comcast accountable for violating these
rules, they were challenged in court and essentially lost, because they were applying Title II
regulations to services classified as Title I.
The ancillary authority proved to be insufficient.
To end these shenanigans that could potentially allow the FCC to regulate everything on the
Internet under its ancillary authority, Anthony Wheeler decided in 2015 to reclassify ISPs
as common carriers under Title II.
This gave net neutrality solid legal standing and barred the FCC from overreaching.
Under Title II, the FCC cannot use its ancillary authority to regulate markets beyond this
classification.
Which means that edge providers are safe from government regulation, but monopolistic ISPs
need to be put in check.
The net neutrality rules of 2015 didn't bring anything new to the table, but rather
relied on the precedence that the ISPs should be barred from blocking, throttling, paid
prioritization, and unreasonable discrimination.
The FCC never wanted to regulate technology, but rather protect the markets from monopolies
upon which innovation in other markets depended on.
So the most logical move for the Commission today would be to reopen the proceedings,
and consider implementing safeguards to protect the Internet market from the ISPs.
Because basically, the ISP market is controlled by the same people who took over the telecommunications
market.
Instead, Pai is moving it into an opposite direction, setting it back into the early
Cold-War years.
His proposal to repeal net neutrality altogether goes against the logic of the FCC to prevent
telcom monopolies from controlling the US economy.
Repealing net neutrality eliminates regulation
No repealing net neutrality doesn't eliminate regulation.
All it's doing is that it changes how the agency defines ISPs.
It's a classification warfare.
Yes classification does affect how they approach things but in legal systems everything is
about the right interpretation of the law.
So for example, classifying ISPs under Title II to make them follow net neutrality rules
gives the FCC clear bright lines on what it can and cannot do.
But what's more is that the mere presence of these rules in the Title II doesn't necessarily
means the agency has to apply them at every instance.
There's this clause about "the public interest" in the Section 10 of the Act,
which kind of opens the room for more adjusted implementation of the rules.
Likewise, classifying ISPs under Title I makes it look like the FCC has to regulate less,
but then again, the law is interpreted differently depending on the agenda of those engaged.
The Commission can take its ancillary authority that grants its permission to justify certain
regulations based on principles set by similar preceding cases approved by the Congress.
That's how some net neutrality rules used to be enforced before the reclassification
of ISPs as Title II services in 2015.
But what's more troubling is that the FCC sometimes relies too heavily on this ancillary
authority to the point it can be much more dangerous than in cases under Title II regulations.
For example, using broad and open definitions in its previous orders, the FCC was giving
itself enough legroom to pressure ISPs to enforce copyright law in their network management
practices.
Which is of course a dangerously slippery slope, because ISPs are best at transferring
bits and not interpreting the copyright laws.
As the Electronic Frontiers Foundation warned in 2011, such regulatory practices could make
ISPs expediently target traffic that could be regarded carrying infringing content.
We know this would be a disaster because the UK has been doing this for a while now and
it sucks.
Not so long ago, the FCC tried to implement so called "broadcast flags" that could
have made it impossible for people to make digital recordings, make their own stations
with hardware of their own choice, or burn digital content lawfully.
This would have given copyright holders immense control over what people could and couldn't
own and could and couldn't do with technology they already own.
Thanks to the digital rights advocates fighting this at the court, the judges ruled that the
FCC lacked the authority to enforce this regulation.
But if nobody challenges the Commission in court, they'll do whatever they want.
Pai doesn't eliminate the FCC regulatory overreach.
He just positions the regulation where it was found to be ineffective 5 decades ago.
Free market will take care of net neutrality.
That's what the regulators thought in the 1990s when they forgot to not allow big ISP mergers.
This lie is the easiest to dispute.
86 percent of Americans had access to fixed broadband at top speeds of 25Mbps or greater
but only 37 percent of them had access to two or more providers.
Only 3 percent of the US population could get those speeds on mobile and all of them
had only one choice of provider.
94 percent of Americans got at least 10 Mbps as top speeds for fixed broadband but only
70 percent of them had at least one more option than Soviet Russia.
Which is a competition as strong as the possibility of an oligopoly forming between those providers.
So the meaningful number is that only 28 percent of Americans who get at least 10Mbps have
access to ISP competition of three or more providers.
Mobile is doing somewhat better, but only for low speeds of 3 and 10 Mbps or more.
There is no free market competition of broadband Internet providers in America.
Most providers enjoy either a monopoly or a duopoly, which in either case, sucks for
both users and edge providers.
Net Neutrality is a leftist issue Pai is a Republican, appointed as the chair
of the FCC by Trump.
The snake hates net neutrality so much, that he took to call it "Obama's heavy-handed regulation".
As if Obama invented net neutrality, or as if net neutrality was somehow a leftist issue.
Far from it.
On February 8 2004, then-FCC chair Michael Powel appointed by Republicans, gave his "Four
Internet Freedoms" speech, where he listed that users of the Internet should have: 1.
Freedom to access lawful content,
2. Freedom to use applications,
3. freedom to attach personal devices, and
4. freedom to obtain service plan information.
In other words, broadband Internet access service providers shouldn't discriminate
traffic based on content, applications, or devices, and that they should be transparent
about their management practices.
Sounds familiar?
Following these principles, a North Carolina DSL provider was fined for blocking a VoIP
program then called Vonage under the Bush Administration in 2005.
The Computer Inquiries were initiated under President Johnson and continued all the way
to the Reagan's time.
They're the ones that set the principle that the FCC should prevent monopolistic markets
from harming competitive markets.
The architect behind the Internet Policy statement of 2005 was a Republican appointee, and gave
founding principles to the net neutrality rules in the Open Internet Order of 2010 under
Obama.
So no.
Net neutrality isn't a leftist issue, it isn't a rightist issue, it isn't a party-line
issue.
This principle is so universal and fundamental as fuck…
The bottom line Are the net neutrality rules perfect?
Probably not.
There can still be some fine-tuning done.
But no regulation is perfect and presence of some debatable practices don't justify
dismantling a regulation altogether.
In a perfect world, we wouldn't even need the government to regulate ISPs.
We'd have the free market.
I'd always prefer to vote with my wallet than have a government agency somewhere deciding
what's right and what's wrong for me.
That's my default position when it comes to issues like this.
But right now there is no free market at the ISP level.
Big ISP corporations were actively pursuing monopolistic position for over two decades
now, so that they'd get to this point where they could dictate everything to everybody.
I see net neutrality as a temporary solution that should be repealed when and only when
we develop a coherent strategy to bring back free market into the telecommunications and
Internet industry.
This, however, is not achievable right now, given the limits of the infrastructure.
It's hard to bring new providers into developed cities only to dig over infrastructure again.
But there could be a possible innovation in the future that would allow more prudent Internet
access service that could really bring competition back to play.
Until that time comes, let's stick together with this net neutrality as our social contract with the ISPs.
-------------------------------------------
Мультики для детей Игрушки Щенячий патруль Герои в масках Подарок для Деда Мороза Мультфильмы 2017 - Duration: 6:27.
For more infomation >> Мультики для детей Игрушки Щенячий патруль Герои в масках Подарок для Деда Мороза Мультфильмы 2017 - Duration: 6:27. -------------------------------------------
Best Movie | Me Thao in its Golden Time | English & Spanish Subtitles - Duration: 1:44:09.
For more infomation >> Best Movie | Me Thao in its Golden Time | English & Spanish Subtitles - Duration: 1:44:09. -------------------------------------------
Eric Holder Warns GOP Not to Mess with Mueller, Then a Benghazi Hero Steps In with a Message for Him - Duration: 3:27.
Eric Holder Warns GOP Not to Mess with Mueller, Then a Benghazi Hero Steps In with a Message
for Him.
Former Attorney General Eric Holder received intense criticism for a Thursday tweet warning
congressional Republicans against removing special counsel Robert Mueller, who is overseeing
the investigation into Russian collusion in the 2016 presidential election.
"Speaking on behalf of the vast majority of the American people, Republicans in Congress
be forewarned:any attempt to remove Bob Mueller will not be tolerated," Holder wrote.
"These are BS attacks on him/his staff that are blatantly political-designed to hide the
real wrongdoing.
Country not party."
But one critic stood out above all the rest
"Weren't you the only Attorney General in U.S. history to be held in contempt of
congress??" asked Kris "Tanto" Paronto, a former Army Ranger and survivor of the 2012
terror attack in Benghazi, Libya.
"And you don't speak for me or the vast majority of the American people you POS!!"
he added.
"Get back in your hole rat."
Paronto helped fight off the terrorists who attacked the U.S. consulate in Benghazi on
Sept. 11, 2012.
But this time, he was referring to Holder's role in a different Obama administration scandal
— Operation Fast and Furious.
In 2010, Border Patrol Agent Brian Terry was killed by suspected illegal immigrants while
patrolling the border in the Arizona desert.
Guns used by the cartel-linked members were found to have been illegally purchased from
the U.S. government.
Investigations by several congressional committees discovered appalling details about the Bureau
of Alcohol, Tobacco, Firearms and Explosives' illegal gun sales to members of drug cartels
in an effort to track the sellers and purchasers of firearms, according to CNN.
The congressional inquiries ultimately led to Holder being cited for criminal contempt
in 2012.
Criticism of Mueller's probe has intensified following revelations that two FBI officials
who worked on Mueller's team exchanged text messages expressing anti-Donald Trump sentiments
during the 2016 election.
"We are now beginning to better understand the magnitude of this insider bias on Mr.
Mueller's team," House Judiciary Committee Chairman Bob Goodlatte said Wednesday during
a committee hearing, according to NBC News.
"I think the public trust in this whole thing is gone," said Rep. Jim Jordan of
Ohio, who chairs the House Freedom Caucus.
On Friday, Florida Rep. Matt Gaetz called for Mueller to be fired.
"Congress has an obligation to expose what I believe is a corrupt investigation, and
I call on my Republican colleagues to join me in firing Bob Mueller," Gaetz told CNN.
"It's time for Mueller to put up or shut up.
If there's evidence of collusion with Russia, let's see it."
what do you think about this?
Please Share this news and Scroll down to comment below and don't forget to subscribe
Top Stories Today.
-------------------------------------------
LEGO Star Wars Microfighters A-Wing vs. TIE Silencer review! 75196 - Duration: 8:36.
hey everyone this is a quick look at one of these smaller sets from the lego star
wars the last Jedi release wave here these actually come together in a single
package even though they are micro fighters it's a new thing for this
season it's the ailing versus the Thai silencer these are both from the last
Jedi and there will be no spoilers no plot spoilers in this video so no
worries about that if you have not yet seen the movie everything that you see
here has already been shown in trailers and it's cool to get them in such an
inexpensive little form that's easy to get first I want to cover the Thai
silencer this is kylo ren's personal fighter kind of half Thai interceptor
half old Vader's advanced Thai 100% cool in my
opinion all the toys that I've seen and having actually seen it in the movie not
to mention in the trailers of course I think that it's a tough one to convert
to this small scale because it has a lot of pointyness it's a very very sharp
design and the Lego just doesn't have pieces that are sharp enough at this
scale so I think this this doesn't have some of the meanness of the real thing
the overall shaping is is trying they definitely did the best they could with
the the cockpit there on the the front with the red pieces that's all good you
can't adjust the angles of the wings here these are already fully in so they
actually stopped at that point that's actually good that you have a place
where they just rests naturally so you don't have to constantly readjust them
or worry about you know kind of collapsing them on themselves thing was
pretty good from the back you see a couple of flick fire missiles that are
on the underside they're kind of hidden back there and I think they are
appropriate appropriately placed kind of yeah kind of hidden away from most
angles and the actual cockpit area for the figure just has a single printed
console piece this blue squadron a wing is a specific crafter represents a
specific craft that is featured in the film and it even has a small little
ground maintenance I'd build which includes an
extra clip for the personal pistol there if you want to store that there and has
an extra foot fire missile and also the ranch for doing a little bit of just
ground maintenance that's nice to get a little something extra on the side of
such a small and inexpensive set the shaping of the eighth of a wing around
the sides around the the wings if you will kind of the wing sections of it is
really nice I like all this it looks a little bit plain in the front to me but
I think it's right like a little notch that they got on the front as well and
then you turn it around to the side and around the back this looks really good
to me for a micro fighter yeah I feel like
they they really had a kind of a combination of good luck with the scale
and the pieces that are available to make this and certainly quite a bit of
skill to come up with this design maybe some folks would be able to come up with
something better I doubt I personally could have this is just really nice with
the the angled fins there and just the amount of detail that got into this
small space with the small number of pieces of course foot fire missiles out
at the ends you can leave those out of the build if you don't want them there
but I think this thing looks really good this one does not have any printed
console they've got just the tiniest little windscreen which to me actually
really works with the with the shaping here I think it's much better to have
the one stud wide chi slope in the trans clear there than it would be to have two
stud wide one this just kind of really accentuates just how small the and
narrow the the single-person canopy is on the on the a wing that's really kind
of snug around the pilots helmet from side to side nothing else to see on the
underside no strange colors a little bit of dark tan there but I think that looks
just fine just adds a little extra detail even that was good shaping from
the underside so this is good this is really nice I like it
of course they include kylo Ren to helm his own personal ship and it's just the
most basic version of him it only comes with the hairpiece which i think is is
fine I think to many of the sets to date that have come with kylo I've only
the helmet but you know we've we've clearly seen em already in the trailers
not donning the helmet a number of times so I think this is this is the right
decision too bad that it doesn't have any cloth pieces to go with that the a
wing pilot is something special Lego always does something really nice
with the helmets this one has just a little bit of a mess up on the the spray
here around the side there but the design is pretty good and it's actually
based on the real thing if you go a little bit a little bit of mess up on
this side as as well just the the mask for the the white on that I have shaken
just a little bit when they were producing this one hopefully most of
these will won't look better but that is actually a named character her name is
Talley Lynne Trey I'm not sure exactly how to pronounce it but it's something
like that and you will see her in the movie if you haven't seen it already and
I think that this will be a very collectible figure you know from the
original trilogy there were a lot of you know really really side and background
characters and especially pilots as well as troopers who were only seen for a
fraction of a second each that ended up getting turned into figures you know
toys and and display models and things and some of them got backstory and you
know you barely get to see them you've already seen hints of this in in
trailers and you will see more of her I think in in the movie and I think this
will be a character that will be remembered more than many of the ones
that we've seen in the past really not a spoiler to to say that it's just it's
just another pilot and a good one to get she also has the alternate face which i
think is really important and good to get because that's I think a little bit
more of a familiar look with the visor down although I do wish that this could
have come with an alternate way to set up a visor on the on the outside there's
just really no way to do that accurately at this scale with LEGOs current pieces
but a raised visor would have been a nice
option and that's just what kylo Ren looks like with his alternate face
interesting so I personally was most looking forward to the Thai silencer
because I'm a big fan of the Thai silencer in universe and I liked the
Lego model of it I like other toys of it other models of it I think it's just a
really cool mean-looking ship but now that I have this set in hand I actually
find that to be the single weakest thing in the set so I'm a little bit a little
bit down about that it just kind of let let me down I don't feel like Lego has
disappointed me I just feel like my expectations were high and they were not
met however this a-wing way better than I expected it to be I really like it for
its scale and the pilot is really good I do wish that mine had been printed a
little bit better hopefully most folks will not have the
little issues around the edge there with the registration of the mask for the
spray of the white but you know even if you don't want to see this pilot as that
specific character that specific named character it's still just great to get
another really nice design of rebel or resistance you know helmet and also to
get another pilot torso and leg you know whole entire body piece so I think it's
just useful I think that this will be collectible especially for folks who do
you know want to collect the different named characters and so this has value
even though again the thing that I wanted the most is the thing I liked the
least I think that's enough to say about this
small set so I'm going to move on thanks for watching and I'll talk to you in as
soon as I can
you
-------------------------------------------
❤ WHY KEEP ANTS? | A short guide for beginners - Duration: 6:48.
You know...
Sometime the smallest things go completely unnoticed, but the fact that they are small
and almost invisible does not mean that they are less interesting.
If we stop for a moment to think, we will discover that small things like ants, can
be very interesting and their observation will allow us to immerse ourselves in a fabulous
and completely unexpected world.
Keep ants in artificial setups can give you the possibility to observe a lot of their
behaviors from a very close point of view.
A point of view that can change your opinion about them.
Summer, season of ants;
Really they are present all the year, but in summer ants are more active and busy.
Every species of ant have a almost defined period for mating flights, almost because
different eviroments, climates and temperatures can anticipate or delay these periods.
With a fast resaerch on internet we can find charts and maps that can help us to determinate
which species are present in our local area and when occours their nuptial flights.
Based on these informations you can search and catch a queen by yourself!
Alternatively is possible to buy queen ants on web sites, but watch out where the ants
come from and keep an eye to your country's laws
In my personal opinion, for a beginner, is better to approach this hobby with a local
species, because the hunting is part of it and allow him to learn more about ants life;
and because exotic ants have different and sometimes complex needs to satisfy.
Antkeeping is an hobby that requires a lot of patience, specially when you have to do
with queens and small colonies.
That because queens during the first few months needs a quiet place, away from light and vibrations
to feel herself safe, this moment is really crucial for the future of the colony.
Afraid queens can eat her own eggs or sometimes they can even die by stress, so be patience and
don't disturb your ladies with frequent observations or movements, just check them 1 time per week.
Taking care of ants requires a few but essenctial tools, that be helpful for ordinary operations.
Test tubes are the best solution to keep queens and young colonies in a artificial setup that
recreate the most similar conditions of a natural claustral chamber.
Obviously there are a lot of different types of test tubes on the market, of various materials
and shapes.
My personal advice is to use clear plastic test tubes, especially if you are a beginner.
Plastic test tubes don't break if fall and are a lot more cheap compared to glass.
Now, you probably know i'm working together with Panic777 for ANT NESTS, and we have developed
squared test tubes with various internal modules, for different size of ants and colonies.
--- We are working right now on a wood version for arboreal ants ---
The next thing you need is a pack of Cotton for setting up test tubes and to feed your
small species of ants.
Setting up a test tube is very simple and fast, just fill the test tube for 1/3rd with
water, take the cotton and press it very well to create a compact ball, than push it quickly
inside the test tube at the water level with a stick or a pen.
Use another ball of cotton, this time less pressed, as a cap.
This will allow a little recycling of air inside the test tube.
As I said before, you can use cotton to feed your small size species, that they risk to
drown even in tiny drops of honey;
Just take a little piece of cotton an let it to absorb the honey; then provide it to
your colony.
A good pair of twezzers can be really useful during feeding and cleaning operations
. Avoid plastic and low quality tweezzers, you need grip
and relatively fast movement while feeding the colonies in test tubes or to remove garbage
quickly.
Search for quality and possibly metal, I personally find myself well with dentist type twezzers.
This is a short but mandatory list of tools in my opinion every beginner need!
And...
I'm pretty sure that everyone observe these insects with a bit of attenction, understand
how modern humans have so much in common with ants.
They have developed behaviors to deal with issues of public health, infrastructure, distribution
of goods and services, mass transit problems, assembly lines and complex teamwork, agriculture
and animal domestication, warfare and slavery... like humans.
Overall, this makes sense, these populous social insects contend with us the place of
most successful organisms on the planet.
As always thank you for watching and see you next time!
-------------------------------------------
Daniela Katzenberger: Heißes Busen-Foto bringt Fans in Wallung - Duration: 4:38.
For more infomation >> Daniela Katzenberger: Heißes Busen-Foto bringt Fans in Wallung - Duration: 4:38. -------------------------------------------
Tụng Kinh Vô Lượng Thọ với Thầy Thích Trí Thoát .Kinh Phật Hay Nhất - Duration: 3:12:01.
For more infomation >> Tụng Kinh Vô Lượng Thọ với Thầy Thích Trí Thoát .Kinh Phật Hay Nhất - Duration: 3:12:01. -------------------------------------------
Brother Finger Where Are You Nursery Rhymes - Duration: 1:26.
Daddy finger daddy finger where are you?
Here I am here I am how do you do?
Mommy finger mommy finger where are you?
Here I am here I am how do you do?
Brother finger brother finger where are you?
Here I am Here I am how do you do?
Sister finger sister finger where are you?
Here I am Here I am how do you do?
Baby finger baby finger where are you?
Here I am Here I am how do you do?
Daddy finger daddy finger where are you?
Here I am Here I am how do you do?
Mommy finger mommy finger where are you?
Here I am Here I am how do you do?
Brother finger brother finger where are you?
Here I am Here I am how do you do?
Sister finger sister finger where are you?
Here I am Here I am how do you do?
Baby finger baby finger where are you?
Here I am Here I am how do you do?
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