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##### Student Loan Default: The Guide (ReUploaded)

NOTE: I'm pasting this guide from where I originally found it, over on Studentloandefaulters. It was originally pasted there from someone who found it after the original was deleted.

# Student Loan Default: The Guide (reuploaded)

📷
The original guide that was recently deleted here: https://www.reddit.com/studentloandefaulters/comments/cg1fd7/student_loan_default_a_guide/
I take no credit for this post, just happened to have it saved in a document and thought I'd be doing an injustice by not sharing this information once I saw the original post was missing! All credit goes to the original author, and without further ado...
Student Loan Default: A Guide
I’ve been wanting to write this for a long time, and seeing that person be in $500,000 of debt and no one really helping him on studentloans, I felt it was time to summarize everything I’ve learned. While there is great information on this sub, it is not centralized. It requires some digging. I hope now to bring all of it to the surface. Definitions: Strategic Default: When a borrower realizes that he or she can spend less money by not paying a loan. The borrower waits out the statute of limitations and then either settles or waits the debt out. Shills: People who are paid to prevent the spread of student loan default information Statute of Limitations: The number of years your state requires before a debt can no longer be collected. Cosigner: The poor person who is just as legally required to pay your loans as you are Foreign Earned Income Tax Exclusion: A tax rule that states any US citizen can earn up to about$100,000 a year in another country and report their US taxes as 0.
Fraudulent Transfer: When a party tries to move assets to someone else in order to avoid a lien on their property.
Lien: Essentially when the government slaps a bill onto your property forcing you to pay off a debt before you can sell the property.
Income Based Repayment (IBR): Federal loans can be paid with 15% of your discretionary income (money earned after taxes) instead of a higher, unpayable amount
Aggregate Student Loan Limit: The total amount a student can take out before the federal government or a private lender stops authorizing new loans
Wage Garnishment: When a court forces your employer to take out a certain percentage of your paycheck to pay back a debt
Bank Levy: When the government or a court takes all of the money directly out of your bank account to pay a debt
Private Loans: Loans that originate from anyone but the federal government. These loans have a statute of limitations and less power but higher interest rates.
Federal Loans: These loans have no statute of limitations, the government can collect anything you earn to get these back, and they come with IBR which is manageable
Sallie Mae: The worst private lender on the market. They only offer deferment for four short years.
Forbearance: A period where you do not have to pay your student loans, but interest accrues.
Deferment: A period where you do not have to pay your student loans, but interest does not accrue.
Credit Score: A number that tells people how responsible of a borrower you are.
Student Loan Tax Bomb: After you have paid for 10 - 25 years on your federal loans, you are forgiven the rest. That is considered income by the IRS. You then add this “income” to your regular income for the year and pay the tax. It can be over $10,000. Insolvency: When you are unable to pay your debts. This works well for defusing the student loan tax bomb. Public Service Loan Forgiveness: If you work for 10 years at a government job, you can get your entire federal student loan balance forgiven. In 2019, the feds are making it near impossible to collect. This could change. A note on cosigners before we begin: Look, your cosigner is probably going to be very mad at you. Prepare for your relationship to be strained. You need to try and get them on the same page as you, and I do offer a tactic here to at least shift all of the financial burden off of your cosigner below. If you decide to do any of these tactics without getting your cosigner off the hook, there could be more risk involved if you or your cosigners have a lot of assets. Strategy Student loan default is a strategy. And to have a good strategy, one must plan as much as possible. You have to know all of your options. While strategy is your overall game plan, tactics are the individual options you have to get your strategy accomplished. Below are the tactics that you can employ to beat the student loan companies. Tactics Paying Your Loans: [low risk] In the rare chance you have anywhere between$1,000 to $20,000 in federal student loans and you have completed your bachelor’s degree, you should probably just pay the damn loans. All you have to do is set up an auto debit and forget about it. It will be about 15% of your income. You really want to try and avoid consolidating if you can, because it will count against some of your IBR payments. You would also lose your grace period if you did this. At the end of 10 to 25 years, you will be forgiven all of the loan amount you did not pay. That forgiven amount is considered income by the IRS, so you will be put into a higher tax bracket. I would get an accountant when this comes. In your case, your tax bomb will be low enough where you could probably just pay it. If you want to really shake things up though, you are welcome to try either the Asset Creation Tactic or the Madlad Method below. Here is more information on Income Based Repayment: https://www.studentdebtrelief.us/repayment-plans/income-based-repayment-plan/ Default Private IBR Federal (Staying Put): [low risk] The standard strategy here on studentloandefaulters. As mentioned above, for the federal loans, it’s best to just IBR and automatically debit your bank account each month and forget about it. For the private loans, this is where the game begins. Your overall plan here is to default, wait out the statute of limitations in your home state, and either settle the debt for less than 30% or just hope they leave you alone and you don’t pay at all. From this moment on, whatever you would have paid for your private monthly bill, sock that money away. Once you go past 120 days of no payments, you are in default. This is where the phone calls come in. They will start to harass you. They will call your work, your cell phone, your cosigner, etc relentlessly. Most likely, they’ll start doing this before you get to default. As they call you, you can either just give them the cold shoulder or start immediately acting like you do not own the debt. Never admit that you own the debt. Tell them you think they are crazy and have the wrong person. Inform your cosigner to do the same. Once your loans are sold to a collection agency, wait until they call you and ask for verification of the debt. If they do not provide it, you won. Chances are, they will be able to verify it, so just make sure you never admit to the debt on the phone or make a payment. If you make a payment, you’ll reset the statute of limitations. Do not give them five dollars, two dollars, a penny. If they do sue you, show up for court. Get a lawyer if you can afford it. You have to show up to court, or they win automatically. Even if you don’t have a lawyer in court, you need to make them verify the debt. You could still lose here. If you do lose in court, go to my tactic of “The Cat and Mouse Game.” They are playing a numbers game, and if you are harder to sue than John Smith down the street, they may prey on him or her instead of you. Now, there are four states in the United States that do not have wage garnishment: Pennsylvania, North Carolina, South Carolina, and Texas. You could move there, and if you have barely any assets, you are considered judgement proof. This means you’re not worth the time to be sued, because you have nothing to take and cannot be garnished. Moving is hard, though, so that’s a personal decision. Also, from what I understand, if you do move to these states, you can switch your statute of limitations over to their states which may be less time until you cannot be sued anymore. If you do lose and just want to stop here, you could get your bank levied and you could be slapped with up to a 25% wage garnishment until paid in full Clarification: a lot of people do not ever get garnished, and bank levies are rare (they are non-existent on federal loans). Do not let this freak you out!. I repeat this is super rare and not likely to happen. Anyways, you have options at this point. If it does happen, try another tactic like leave the country or cat and mouse below. Default Private Default Federal: [medium risk] Some of the wilder people have attempted to default on both federal and private loans in order to do a cash settlement. The same strategy above in Default Private IBR Federal applies, but realize that the US government could just step in and do an administrative garnish on you eventually. If you were living some sort of cash existence, you could potentially avoid them and then write them a money order and settle for 30% or something. This way, you avoid the tax bomb and would probably pay a lot less interest overall. If you do this and it works, I would love to hear about it. Cat and Mouse: [medium risk] So, you want to avoid getting sued or you lost a judgement? You don’t have to sit back and take it. u/nowaysalliemae has successfully avoided being sued by essentially going on the run. You see, to be sued successfully, they need to know where you work. If you get sued, move to another state, and switch jobs, they have to do the entire process over again! This means find you, verify the debt, sue you, etc. You can essentially do this until your statute of limitations runs out. And then, you dispute the debt on your credit score. They take it off at that point, and you just saved a lot of money. I decided to put this as medium risk, because moving around a lot would require some luck. Especially since you would need to work wherever you go, there are a lot of moving parts here. I think it is totally doable, and if you are an adventurous personality type, it could be a lot of fun. This only works for the private student loan side, because the US government has a lot more power. You would still IBR your federal loans on this tactic. For more information, go through nowaysalliemae's post history. Leave the Country: [medium risk] What if you want to avoid all of this altogether? Do you want a reset button on your life? You can just leave the country and start over. Seriously. Your credit score does not follow you across countries. The federal government cannot garnish your paycheck if you work internationally. You are not a criminal doing this. Furthermore, there is something called the Foreign Earned Income Tax Exclusion. Since you will still IBR your federal loans on this plan, as long as you make less than$100,000 in another country, your US income is zero. This means you just got a free education while you make money in another country. Once you pay zero for 25 years, you will have to defuse your student tax bomb. Tactic Below. Private companies do not stand a chance here. There are countries in the commonwealth such as Australia and Canada that are more willing to take you in if you meet certain requirements. You could teach English at a bunch of places. You could apply for residency at these places or be a perpetual tourist. A perpetual tourist is someone who essentially moves to a new country, goes to a neighboring country for a weekend, and then goes back to that new country they are trying to start a new life in*. This in no means you have to go back to the U.S. Ever. For example, you want to live in Panama forever, every 90 days, you take a weekend trip to Nicaragua. You come back to Panama after the weekend is over and get another 90 day pass. Rinse and repeat. This gives you another 90 days in your country of choice. If you make money on the internet, this strategy would work pretty well. You can just be a perpetual tourist or marry someone in another country and start a new life. This will not be a good fit for everyone, but there’s something exciting about this. If you are young, single, and restless, this could be the adventure of a lifetime. Here's more info on being a perpetual traveler and the FEIE: https://www.escapeartist.com/blog/perpetual-traveler-us-tax-code/
Suspend Payment Without More Debt: [low risk] So recently, it has been brought to my attention that there is a community college, Luna Community College (in Las Vegas, NM), that has tuition so low you could go half time all year for about 684 dollars. They have a small amount of associate's degrees. If you just want to stop paying without taking any more loans, this would be the way to do it. You could do this for many years. Luna Community College's tuition matrix: https://luna.edu/tuition_matrix
Convert Private Loans to Federal: [low risk] From this point on, these are my special tactics I’ve been thinking about. They might work really well for some people. So, you have a bunch of federal loans and a good amount of private loans. You don’t want to fight debt collectors or move around. Try this. This plan only works if you have a bachelor’s degree though. Anyways, there is a special loan offered by the US Federal Government called the Graduate Plus Loan. This loan is incredible, because there is no aggregate student loan limit. In other words, you can borrow as much money as you want here. Even a million dollars no questions asked. All you need is no delinquency or default on your credit report. If you do have these things, you can get a cosigner in on the plan. They won’t ever be responsible anyways because you will defuse the tax bomb at the end. This works to your advantage, because you could go back to school at the graduate level, get a diploma mill master’s degree online, use your room and board payment to start paying off your private loans ASAP. Just make sure you are doing whatever your school considers half time enrollment in order to avoid student loan payments while doing this. Once you’ve gone to school long enough and converted all of your private loans to grad plus loans, you could just go on an IBR plan. This will at least make your life manageable. You would have to defuse your student tax bomb once this is over. Tactic below.
Convert Federal Loans to Private: [medium risk] So, what if you wanted to go the opposite way? Maybe you want to convert all of your federal loans to private ones, default, and then leave the country? Hey, maybe there are reasons you want to hurry up the settlement process. You could essentially do the same strategy as above, but instead just borrow from Sallie Mae, Wells Fargo, etc until all of your federal loans are paid off. Then, either cat and mouse or leave the country. I don’t think a lot of people would find a use for this, but hey who knows?
Asset Creation Method: [high risk] What if you wanted to not just pay off your loans but get ahead in life? Maybe you feel like using your student loan debt to your advantage. Thanks to the work done by u/BinaryAlgorithm, you could really come out on top here. Remember those Grad Plus loans we were talking about? Well, there’s nothing stopping you from continually borrowing all year on these loans, investing the room and board, and acting as if you do not have the debt in the first place. While I had originally said that rental property does not count as income, I cannot find any documentation proving this. You can still invest this money however you want, and you just defuse the tax bomb at the end (if anyone can find that documentation, please let me know). I did find that rental properties offer a lot of ways to reduce your adjusted gross income (management fees, advertising, etc), and these could reduce your income closer to zero. We’re not done here. Moreover, you could get a job that qualifies for Public Student Loan Forgiveness, enjoy your investments, and then pay for the 10 years. Be sure to convert all loans to federal before starting this tactic. I only put this as high risk, because the whole plan falls apart if Grad Plus loans get capped. Will they? Probably not, because those are the loans doctors and lawyers take out to go to their professional schools. It would take an act of congress to change the way the law stands now, but still, you should know that. This plan spans decades, so a lot can change. Also, having this many installment loans may lower your credit score over a multitude of years, but based on what everyone has found out here, it's not by much. For more information, go to this subreddit's search bar and type in "aggregate" and go look at BinaryAlgorithm's two posts on the subject.
Defusing the Student Tax Bomb: [low risk] So lucky for you, I talked to an actual lawyer and an actual IRS agent about this. This is completely legal and doable. Okay, so you were a good person and paid your IBR for 25-30 years. What now? Well, you’re about to be hit hard with a tax bomb. All of that money that is now forgiven counts as income on your taxes. This could mean a bill in the tens of thousands if you combined this with any of the other methods here—or just borrowed a lot to begin with. Luckily for us, there is something called insolvency. This means you are unable to pay your debts, and there is a really simple formula for whether or not you are insolvent. As long as you have more liabilities than assets at the time of student loan forgiveness, you are considered insolvent. In other words, right before you are about to be forgiven, like year 24 out of 25, you would take out a loan on something. All you would need to do is buy a house, buy a car, or buy something with a huge price tag. As long as your liabilities are way higher than your assets (like aim for 100K or something more), you are considered insolvent and you don’t have to pay any of the tax bomb. Boom. The IRS agent said this is fine. The lawyer said this is fine. I cannot believe this is fine. Where could you get the money to borrow for a house? Check Asset Creation method above. You could always sell the asset after the tax bomb is dealt with. For more information on defusing the student loan tax bomb: https://lawyerist.com/defusing-student-loan-interest-tax-bomb/
Getting Your Cosigner Off the Hook: So 90% of us have cosigners based on some statistic I read. These people are going to pissed at you, because they get harassed. If you have a lot of time to plan your strategy out, you can simply convert all of your private loans to federal ones. They are no longer responsible. The plan is above. Check out “Convert Private Loans to Federal.” Furthermore, if you are attempting to go the default route with private loans, you could potentially get your cosigner off the hook by refinancing your student loans without the cosigner. After you refinance, you could just default then. You would need good credit and meet certain requirements for this. Also, if you plan on defaulting, you might want to get your cosigner to transfer their assets to their spouse or someone trustworthy. Even though liens are rare, this could give you some peace of mind. As long as about 3-5 years go by, this is no longer considered a fraudulent transfer. Your state will have certain rules about this. If you are from Florida, apparently houses are untouchable there. You will need a lawyer to plan the asset transfer. At the same time, you may not be able to get your cosigner off the hook. Make peace with that. Student loans are brutal, so all you can really do is educate yourself and your cosigner and hope you come out on top.
Madlad Method: [high risk] Now, here comes my personal plan. This is what I’m doing, because I want to live a life on my terms and not really work for anyone my entire life. I’m also not a normal person, so this will probably appear crazy to some or most of you. So at this point, if you understand all of the methods before you, you are a powerful player in the student loan circus. You can do anything from fight the man to maliciously comply and bankrupt the system while becoming upper-middle class. I don’t really care for any of that. I want to go to a tropical paradise and make music for 20 years, so here is my interpretation of everything. I have some federal loans and private loans. I net about 25K a year through the Grad Plus loans, and I work about 4 hours a week in the online classroom. I take that federal loan money, and I sock away a few hundred every month to save up for my private loan settlement in about five years. Since I save 300 every month, I’ll have about 18K in 5 years when I go into default. I will settle ASAP. At the same time, I will continue to go to diploma mill universities, get master's degree after master’s degree, and move to a Latin American country where the cost of living is even lower. This way, my 25K a year puts me in the upper class of that country. I can live where I want and really do whatever I damn well please for as long as the Grad Plus loans are around. As an added bonus, I will already be starting a new life in another country where I can make connections and maybe even get married. I studied linguistics, so I know how to teach English. I can do that if I want a source of income anywhere. So there is my plan, and honestly, one day we might get someone in office who just wipes out all of this debt anyways. If that’s the case, I can just play the waiting game until all of this is over. Here are the rules on adverse credit history and Grad Plus loans: https://studentaid.ed.gov/sa/sites/default/files/plus-adverse-credit.pdf
Final Thoughts: Defaulting on student loans is not immoral or a sin. It is a business decision. Everyone else gets bailouts, why should student borrowers be any different? You’re going to have to ignore the people who tell you why they think you should be a good little slave and pay your loans. Those people are not your friends. Those people are not on your side. Some of the best advice I ever received in life was you have to do what’s best for you. Also, if you have anything you would like to add to this or would like to challenge, please let me know. I want this to be as accurate as possible. I will be looking at this perpetually to make sure there are no errors. Take care. Good luck. You can do this.

##### Student Loan Default: The Guide (reuploaded)

The original guide that was recently deleted here: https://www.reddit.com/studentloandefaulters/comments/cg1fd7/student_loan_default_a_guide/
I take no credit for this post, just happened to have it saved in a document and thought I'd be doing an injustice by not sharing this information once I saw the original post was missing! All credit goes to the original author, and without further ado...

Student Loan Default: A Guide
I’ve been wanting to write this for a long time, and seeing that person be in $500,000 of debt and no one really helping him on studentloans, I felt it was time to summarize everything I’ve learned. While there is great information on this sub, it is not centralized. It requires some digging. I hope now to bring all of it to the surface. Definitions: Strategic Default: When a borrower realizes that he or she can spend less money by not paying a loan. The borrower waits out the statute of limitations and then either settles or waits the debt out. Shills: People who are paid to prevent the spread of student loan default information Statute of Limitations: The number of years your state requires before a debt can no longer be collected. Cosigner: The poor person who is just as legally required to pay your loans as you are Foreign Earned Income Tax Exclusion: A tax rule that states any US citizen can earn up to about$100,000 a year in another country and report their US taxes as 0.

Fraudulent Transfer: When a party tries to move assets to someone else in order to avoid a lien on their property.

Lien: Essentially when the government slaps a bill onto your property forcing you to pay off a debt before you can sell the property.

Income Based Repayment (IBR): Federal loans can be paid with 15% of your discretionary income (money earned after taxes) instead of a higher, unpayable amount

Aggregate Student Loan Limit: The total amount a student can take out before the federal government or a private lender stops authorizing new loans

Wage Garnishment: When a court forces your employer to take out a certain percentage of your paycheck to pay back a debt

Bank Levy: When the government or a court takes all of the money directly out of your bank account to pay a debt

Private Loans: Loans that originate from anyone but the federal government. These loans have a statute of limitations and less power but higher interest rates.

Federal Loans: These loans have no statute of limitations, the government can collect anything you earn to get these back, and they come with IBR which is manageable

Sallie Mae: The worst private lender on the market. They only offer deferment for four short years.

Forbearance: A period where you do not have to pay your student loans, but interest accrues.

Deferment: A period where you do not have to pay your student loans, but interest does not accrue.

Credit Score: A number that tells people how responsible of a borrower you are.

Student Loan Tax Bomb: After you have paid for 10 - 25 years on your federal loans, you are forgiven the rest. That is considered income by the IRS. You then add this “income” to your regular income for the year and pay the tax. It can be over $10,000. Insolvency: When you are unable to pay your debts. This works well for defusing the student loan tax bomb. Public Service Loan Forgiveness: If you work for 10 years at a government job, you can get your entire federal student loan balance forgiven. In 2019, the feds are making it near impossible to collect. This could change. A note on cosigners before we begin: Look, your cosigner is probably going to be very mad at you. Prepare for your relationship to be strained. You need to try and get them on the same page as you, and I do offer a tactic here to at least shift all of the financial burden off of your cosigner below. If you decide to do any of these tactics without getting your cosigner off the hook, there could be more risk involved if you or your cosigners have a lot of assets. Strategy Student loan default is a strategy. And to have a good strategy, one must plan as much as possible. You have to know all of your options. While strategy is your overall game plan, tactics are the individual options you have to get your strategy accomplished. Below are the tactics that you can employ to beat the student loan companies. Tactics Paying Your Loans: [low risk] In the rare chance you have anywhere between$1,000 to $20,000 in federal student loans and you have completed your bachelor’s degree, you should probably just pay the damn loans. All you have to do is set up an auto debit and forget about it. It will be about 15% of your income. You really want to try and avoid consolidating if you can, because it will count against some of your IBR payments. You would also lose your grace period if you did this. At the end of 10 to 25 years, you will be forgiven all of the loan amount you did not pay. That forgiven amount is considered income by the IRS, so you will be put into a higher tax bracket. I would get an accountant when this comes. In your case, your tax bomb will be low enough where you could probably just pay it. If you want to really shake things up though, you are welcome to try either the Asset Creation Tactic or the Madlad Method below. Here is more information on Income Based Repayment: https://www.studentdebtrelief.us/repayment-plans/income-based-repayment-plan/ Default Private IBR Federal (Staying Put): [low risk] The standard strategy here on studentloandefaulters. As mentioned above, for the federal loans, it’s best to just IBR and automatically debit your bank account each month and forget about it. For the private loans, this is where the game begins. Your overall plan here is to default, wait out the statute of limitations in your home state, and either settle the debt for less than 30% or just hope they leave you alone and you don’t pay at all. From this moment on, whatever you would have paid for your private monthly bill, sock that money away. Once you go past 120 days of no payments, you are in default. This is where the phone calls come in. They will start to harass you. They will call your work, your cell phone, your cosigner, etc relentlessly. Most likely, they’ll start doing this before you get to default. As they call you, you can either just give them the cold shoulder or start immediately acting like you do not own the debt. Never admit that you own the debt. Tell them you think they are crazy and have the wrong person. Inform your cosigner to do the same. Once your loans are sold to a collection agency, wait until they call you and ask for verification of the debt. If they do not provide it, you won. Chances are, they will be able to verify it, so just make sure you never admit to the debt on the phone or make a payment. If you make a payment, you’ll reset the statute of limitations. Do not give them five dollars, two dollars, a penny. If they do sue you, show up for court. Get a lawyer if you can afford it. You have to show up to court, or they win automatically. Even if you don’t have a lawyer in court, you need to make them verify the debt. You could still lose here. If you do lose in court, go to my tactic of “The Cat and Mouse Game.” They are playing a numbers game, and if you are harder to sue than John Smith down the street, they may prey on him or her instead of you. Now, there are four states in the United States that do not have wage garnishment: Pennsylvania, North Carolina, South Carolina, and Texas. You could move there, and if you have barely any assets, you are considered judgement proof. This means you’re not worth the time to be sued, because you have nothing to take and cannot be garnished. Moving is hard, though, so that’s a personal decision. Also, from what I understand, if you do move to these states, you can switch your statute of limitations over to their states which may be less time until you cannot be sued anymore. If you do lose and just want to stop here, you could get your bank levied and you could be slapped with up to a 25% wage garnishment until paid in full Clarification: a lot of people do not ever get garnished, and bank levies are rare (they are non-existent on federal loans). Do not let this freak you out!. I repeat this is super rare and not likely to happen. Anyways, you have options at this point. If it does happen, try another tactic like leave the country or cat and mouse below. Default Private Default Federal: [medium risk] Some of the wilder people have attempted to default on both federal and private loans in order to do a cash settlement. The same strategy above in Default Private IBR Federal applies, but realize that the US government could just step in and do an administrative garnish on you eventually. If you were living some sort of cash existence, you could potentially avoid them and then write them a money order and settle for 30% or something. This way, you avoid the tax bomb and would probably pay a lot less interest overall. If you do this and it works, I would love to hear about it. Cat and Mouse: [medium risk] So, you want to avoid getting sued or you lost a judgement? You don’t have to sit back and take it. u/nowaysalliemae has successfully avoided being sued by essentially going on the run. You see, to be sued successfully, they need to know where you work. If you get sued, move to another state, and switch jobs, they have to do the entire process over again! This means find you, verify the debt, sue you, etc. You can essentially do this until your statute of limitations runs out. And then, you dispute the debt on your credit score. They take it off at that point, and you just saved a lot of money. I decided to put this as medium risk, because moving around a lot would require some luck. Especially since you would need to work wherever you go, there are a lot of moving parts here. I think it is totally doable, and if you are an adventurous personality type, it could be a lot of fun. This only works for the private student loan side, because the US government has a lot more power. You would still IBR your federal loans on this tactic. For more information, go through nowaysalliemae's post history. Leave the Country: [medium risk] What if you want to avoid all of this altogether? Do you want a reset button on your life? You can just leave the country and start over. Seriously. Your credit score does not follow you across countries. The federal government cannot garnish your paycheck if you work internationally. You are not a criminal doing this. Furthermore, there is something called the Foreign Earned Income Tax Exclusion. Since you will still IBR your federal loans on this plan, as long as you make less than$100,000 in another country, your US income is zero. This means you just got a free education while you make money in another country. Once you pay zero for 25 years, you will have to defuse your student tax bomb. Tactic Below. Private companies do not stand a chance here. There are countries in the commonwealth such as Australia and Canada that are more willing to take you in if you meet certain requirements. You could teach English at a bunch of places. You could apply for residency at these places or be a perpetual tourist. A perpetual tourist is someone who essentially moves to a new country, goes to a neighboring country for a weekend, and then goes back to that new country they are trying to start a new life in*. This in no means you have to go back to the U.S. Ever. For example, you want to live in Panama forever, every 90 days, you take a weekend trip to Nicaragua. You come back to Panama after the weekend is over and get another 90 day pass. Rinse and repeat. This gives you another 90 days in your country of choice. If you make money on the internet, this strategy would work pretty well. You can just be a perpetual tourist or marry someone in another country and start a new life. This will not be a good fit for everyone, but there’s something exciting about this. If you are young, single, and restless, this could be the adventure of a lifetime. Here's more info on being a perpetual traveler and the FEIE: https://www.escapeartist.com/blog/perpetual-traveler-us-tax-code/

Suspend Payment Without More Debt: [low risk] So recently, it has been brought to my attention that there is a community college, Luna Community College (in Las Vegas, NM), that has tuition so low you could go half time all year for about 684 dollars. They have a small amount of associate's degrees. If you just want to stop paying without taking any more loans, this would be the way to do it. You could do this for many years. Luna Community College's tuition matrix: https://luna.edu/tuition_matrix

Convert Private Loans to Federal: [low risk] From this point on, these are my special tactics I’ve been thinking about. They might work really well for some people. So, you have a bunch of federal loans and a good amount of private loans. You don’t want to fight debt collectors or move around. Try this. This plan only works if you have a bachelor’s degree though. Anyways, there is a special loan offered by the US Federal Government called the Graduate Plus Loan. This loan is incredible, because there is no aggregate student loan limit. In other words, you can borrow as much money as you want here. Even a million dollars no questions asked. All you need is no delinquency or default on your credit report. If you do have these things, you can get a cosigner in on the plan. They won’t ever be responsible anyways because you will defuse the tax bomb at the end. This works to your advantage, because you could go back to school at the graduate level, get a diploma mill master’s degree online, use your room and board payment to start paying off your private loans ASAP. Just make sure you are doing whatever your school considers half time enrollment in order to avoid student loan payments while doing this. Once you’ve gone to school long enough and converted all of your private loans to grad plus loans, you could just go on an IBR plan. This will at least make your life manageable. You would have to defuse your student tax bomb once this is over. Tactic below.

Convert Federal Loans to Private: [medium risk] So, what if you wanted to go the opposite way? Maybe you want to convert all of your federal loans to private ones, default, and then leave the country? Hey, maybe there are reasons you want to hurry up the settlement process. You could essentially do the same strategy as above, but instead just borrow from Sallie Mae, Wells Fargo, etc until all of your federal loans are paid off. Then, either cat and mouse or leave the country. I don’t think a lot of people would find a use for this, but hey who knows?

Asset Creation Method: [high risk] What if you wanted to not just pay off your loans but get ahead in life? Maybe you feel like using your student loan debt to your advantage. Thanks to the work done by u/BinaryAlgorithm, you could really come out on top here. Remember those Grad Plus loans we were talking about? Well, there’s nothing stopping you from continually borrowing all year on these loans, investing the room and board, and acting as if you do not have the debt in the first place. While I had originally said that rental property does not count as income, I cannot find any documentation proving this. You can still invest this money however you want, and you just defuse the tax bomb at the end (if anyone can find that documentation, please let me know). I did find that rental properties offer a lot of ways to reduce your adjusted gross income (management fees, advertising, etc), and these could reduce your income closer to zero. We’re not done here. Moreover, you could get a job that qualifies for Public Student Loan Forgiveness, enjoy your investments, and then pay for the 10 years. Be sure to convert all loans to federal before starting this tactic. I only put this as high risk, because the whole plan falls apart if Grad Plus loans get capped. Will they? Probably not, because those are the loans doctors and lawyers take out to go to their professional schools. It would take an act of congress to change the way the law stands now, but still, you should know that. This plan spans decades, so a lot can change. Also, having this many installment loans may lower your credit score over a multitude of years, but based on what everyone has found out here, it's not by much. For more information, go to this subreddit's search bar and type in "aggregate" and go look at BinaryAlgorithm's two posts on the subject.

Defusing the Student Tax Bomb: [low risk] So lucky for you, I talked to an actual lawyer and an actual IRS agent about this. This is completely legal and doable. Okay, so you were a good person and paid your IBR for 25-30 years. What now? Well, you’re about to be hit hard with a tax bomb. All of that money that is now forgiven counts as income on your taxes. This could mean a bill in the tens of thousands if you combined this with any of the other methods here—or just borrowed a lot to begin with. Luckily for us, there is something called insolvency. This means you are unable to pay your debts, and there is a really simple formula for whether or not you are insolvent. As long as you have more liabilities than assets at the time of student loan forgiveness, you are considered insolvent. In other words, right before you are about to be forgiven, like year 24 out of 25, you would take out a loan on something. All you would need to do is buy a house, buy a car, or buy something with a huge price tag. As long as your liabilities are way higher than your assets (like aim for 100K or something more), you are considered insolvent and you don’t have to pay any of the tax bomb. Boom. The IRS agent said this is fine. The lawyer said this is fine. I cannot believe this is fine. Where could you get the money to borrow for a house? Check Asset Creation method above. You could always sell the asset after the tax bomb is dealt with. For more information on defusing the student loan tax bomb: https://lawyerist.com/defusing-student-loan-interest-tax-bomb/

Getting Your Cosigner Off the Hook: So 90% of us have cosigners based on some statistic I read. These people are going to pissed at you, because they get harassed. If you have a lot of time to plan your strategy out, you can simply convert all of your private loans to federal ones. They are no longer responsible. The plan is above. Check out “Convert Private Loans to Federal.” Furthermore, if you are attempting to go the default route with private loans, you could potentially get your cosigner off the hook by refinancing your student loans without the cosigner. After you refinance, you could just default then. You would need good credit and meet certain requirements for this. Also, if you plan on defaulting, you might want to get your cosigner to transfer their assets to their spouse or someone trustworthy. Even though liens are rare, this could give you some peace of mind. As long as about 3-5 years go by, this is no longer considered a fraudulent transfer. Your state will have certain rules about this. If you are from Florida, apparently houses are untouchable there. You will need a lawyer to plan the asset transfer. At the same time, you may not be able to get your cosigner off the hook. Make peace with that. Student loans are brutal, so all you can really do is educate yourself and your cosigner and hope you come out on top.

Madlad Method: [high risk] Now, here comes my personal plan. This is what I’m doing, because I want to live a life on my terms and not really work for anyone my entire life. I’m also not a normal person, so this will probably appear crazy to some or most of you. So at this point, if you understand all of the methods before you, you are a powerful player in the student loan circus. You can do anything from fight the man to maliciously comply and bankrupt the system while becoming upper-middle class. I don’t really care for any of that. I want to go to a tropical paradise and make music for 20 years, so here is my interpretation of everything. I have some federal loans and private loans. I net about 25K a year through the Grad Plus loans, and I work about 4 hours a week in the online classroom. I take that federal loan money, and I sock away a few hundred every month to save up for my private loan settlement in about five years. Since I save 300 every month, I’ll have about 18K in 5 years when I go into default. I will settle ASAP. At the same time, I will continue to go to diploma mill universities, get master's degree after master’s degree, and move to a Latin American country where the cost of living is even lower. This way, my 25K a year puts me in the upper class of that country. I can live where I want and really do whatever I damn well please for as long as the Grad Plus loans are around. As an added bonus, I will already be starting a new life in another country where I can make connections and maybe even get married. I studied linguistics, so I know how to teach English. I can do that if I want a source of income anywhere. So there is my plan, and honestly, one day we might get someone in office who just wipes out all of this debt anyways. If that’s the case, I can just play the waiting game until all of this is over. Here are the rules on adverse credit history and Grad Plus loans: https://studentaid.ed.gov/sa/sites/default/files/plus-adverse-credit.pdf

Final Thoughts: Defaulting on student loans is not immoral or a sin. It is a business decision. Everyone else gets bailouts, why should student borrowers be any different? You’re going to have to ignore the people who tell you why they think you should be a good little slave and pay your loans. Those people are not your friends. Those people are not on your side. Some of the best advice I ever received in life was you have to do what’s best for you. Also, if you have anything you would like to add to this or would like to challenge, please let me know. I want this to be as accurate as possible. I will be looking at this perpetually to make sure there are no errors. Take care. Good luck. You can do this.

##### A comparison of 7 visual story apps: Choices, Arcana, Lovestruck, Chapters, Romance Club, Journeys, and Storyscape!

This is an update to my previous post comparing visual story apps, but comparing three more apps! Romance Club, Journeys, and of course Storyscape.
These seven games are:
Since all of these apps have different names for the same things, I tried to standardize the terminology...
• Series: A unique story setting and characters.
• Book: A part of the story set in the series (also known as "routes" for Arcana and Lovestruck).
• Chapter: A part of a book that needs a "pass" to play.
• Passes: The in-game currency that allows you to play a new chapter.
• Gems: The in-game currency that allows you to make "premium" choices in chapters.
• CG: An in-game image featuring characters from the game.
Choices: Stories You Play The Arcana: A Mystic Romance Lovestruck: Choose Your Romance Chapters: Interactive Stories Romance Club: Stories I Play Journeys: Interactive Series Storyscape
Release Date (App Store) 8/17/2016 10/22/2016 3/1/2017 10/27/2017 3/7/2018 8/22/2019 10/22/2019
App Store Age Rating 12+ 12+ 17+ 17+ 12+ 17+ 17+
Passes are Called Keys Keys Tickets Tickets Tea Tickets Tickets
Maximum Number of Passes 2 3 2 2 2 2 2
Pass Regeneration Rate 3 hours 4 hours 2.5 hours 2 hours 2 hours 2 hours 2.5 hours
Gems are Called Diamonds Coins Hearts Diamonds Diamonds Diamonds Diamonds
MC Visual Customization? Yes No No Yes Yes Yes Yes
MC Gender Majority female (several stories have male options) Male/Female/Non-binary Female-only Almost all female (1 male-only story) Female-only Female-only Almost all female
LI Gender Majority male (all but 1 story have at least 1 female LI) 3 Male, 2 female, 1 non-binary Male/Female (new releases are 50/50, 2 non-binary) Almost all male (2 female LI stories) Male/Female Male/Female Male/Female
Character Animations? No No No No No Yes Yes
Watch Ads to Earn Gems? Yes Yes (beta) No Yes Yes Yes Yes
Play Games to Earn Gems? No Yes No No No No No
Check-in Daily to Earn Gems? Yes Yes Yes* (daily puzzle piece) Yes Yes No No
Play Chapters to Earn Gems? Yes No Yes* (Romantic Quests) No Yes Yes Yes
Rate Chapters to Earn Gems? No No No No No Yes Yes
Number of Unique Series 35+ 1 (6 books) 14+ 100+ 7 12+ 4+
Series Types Both continuing series and stand-alones 1 continuing series Almost all continuing series (several stand-alones) Almost all stand-alones (two continuing series) Both continuing series and stand-alones Both continuing series and stand-alones Both continuing series and stand-alones
Average Chapters in Book ~15-18 22 (full) 12 (19 for earlier books) ~18-20 10 ~15 ~10-17
Average Choices per Book ~10-15 ~7-15 ~3-6 ~7-15 ~15-19 ~4-7 ~10-15
Can You Collect CGs? No* (they exist, but you can't collect them in one place) Yes Yes Yes (character cards) No No No* (they exist, but you can't collect them in one place)
Do Choices Affect the Story? Yes Yes (upright/reversed endings) No* (some older books have thrilling/passionate endings) No Yes Yes Yes
Are Series in Same Universe? Yes Yes Yes No No No No
Parent Company in: Korea (US Subsidiary) USA Japan (US Subsidiary) China (US Subsidiary) Moldova Argentina (?) USA

#### MC Customization

• Choices and Romance Club are really the main ones here that allows you to change your MC's look, since you can choose the MC's face, hair, etc. They have a lot of options.
• Most Chapters, Journeys and Storyscape MC looks are just different skin tones or hairstyles.
• The MCs in Lovestruck are set in appearance and have their own backstory.
• There are no MC visuals in the Arcana at all, and none in some of the older Lovestruck books.
• I think it's no secret that the core demographic here for visual story apps are women. All the apps allow you to play as a female MC in every book.
• If you want to play as a male MC Choices is probably still the best option here despite all the gender-locking complaints people have. Choices still has the most stories with a male MC option.
• Storyscape's latest book allows you to select a male MC, and some of their books also alternate between male and female characters (think TC&TF in Choices)
• For non-binary players, the Arcana is currently the only game that lets your MC go by "they/them." But Storyscape's next book Ageless will have a non-binary MC option.
• Choices, Storyscapes, Romance Club, Journeys, and Chapters all have premium choices using gems to get better looks for your MC.
• Lovestruck has gem outfits for a couple of the older books like Speakeasy Tonight but they no longer do that for the new ones. Arcana has no MC visuals.

#### LI Choices

• All the games have male LIs (obv).
• For WLW players, Choices, Storyscape and Lovestruck are obvious winners here, but many Choices books only have a single female LI while all the new Lovestruck books have multiple female LIs with different personalities. Also since the MCs in Lovestruck are always bi females, the female LIs in the game have much more WLW-specific dialogue than Choices.
• Romance Club also has female LIs but their stories are not as comprehensive as the male LIs.
• For MLM players, Choices is kinda the only game in town here if you want visuals, I think. You can play as male in the Arcana with the three male LIs but there's no visual customization, just pronouns. Chapters has a single MLM story that was released a while ago and they have not made any new ones since. Not sure if Storyscape's new Edge of Extinction, which has a male MC option allows you to go for a male LI yet.
• Only two games have non-binary love interests: Lovestruck has two (Cyprin and JD) and Arcana has one (Asra, goes by he/him).

#### Earning Passes/Gems

• I still think the Arcana is probably the easiest one to earn in-game gems for, since there are so many ways to earn them. Heart Hunter, watch ads (if you have the beta feature), sell trinkets from the spin, win gems from the free spin. Chapters is pretty easy too since you can watch a ton of ads for gems and they don't really have that many limitations of how many you can watch.
• The hardest one to earn in-game gems for is probably Lovestruck. Their choices cost more (~20+) and you can only get gems by playing Romantic Quests, which give max five gems in an ten-hour period. The daily puzzle piece technically gives you gems too but it's so slow it might as well not count.
• Storyscape is decent primarily because it doesn't have that many gem choices per chapter, plus you can earn gems from rating chapters, which is nice.
• Choices is decent at giving you free gems but it's also the most gem-heavy by far, since there are multiple gem choices per chapter and there's a lot of "collect them all" stuff in books.
• Romance Club is pretty generous if you regularly check-in. Reading the first chapter of a new book gives you ten gems.
• Chapters regularly lets you read a random book without using up any passes, for 24 hours.
• Arcana recently also has had multiple weekends where no passes were needed to read books at all. You can also buy chapters outright and then you don't need to use passes or gems to play that chapter again and again!
• Both Arcana and Lovestruck actually allow you to earn passes through other means than waiting for the timer.
• Shoutout to Romance Club for having the most innovative name for passes - "Cups of Tea"!

#### Gameplay

• Two games here have character animations: Journeys and Storyscape. The rest of the games do not have characters animate but instead rely on sprites.
• Storyscape's 3D animations are insane for a mobile game - while yes, they can be creepy sometimes (uncanny valley), the models are very expressive and they actually add to the story in many ways. Nothing else here compares to it.
• Journeys's animations are more like Episode's and are simpler and 2D, and half the time you're just waiting for the animation to finish so you can go through the book faster.
• Both Choices and Lovestruck have animations for other parts of the story (like magical stuff), though Choices's are more complex.
• Arcana and Storyscape have the least typos (almost none, I feel), Choices and Lovestruck have a few occasionally, and Romance Club, Chapters, and Journeys's books often have a bunch. I might be a bit unfair to the last three since their developers are not from the US and are overseas.
• Chapters' regular gem choices are the worst because out of all of these games it's the one that most often makes you spend gems just to say something that isn't stupid or do something mind-numblingly idiotic, and it barely affects anything.
• The age rating really affects the romantic content of the books.
• Chapters is the most explicit (sometimes really badly so) in scenes. There are also some problematic books but that's a different story...
• Storyscape is pretty explicit too; it's definitely targeting an adult audience.
• Lovestruck can be pretty direct about things and themes
• Choices tends to rely on implied actions. (other than Bloodbound as does Arcana and Romance Club. No surprise that they have the lowest age rating in the App Store.
• Ironically despite the name of these games, they vary greatly about how much your own choices impact the story.
• Storyscape's choices are pretty consistently going to affect what happens later in the game. Just an example, Titanic ends really differently and has several different endings depending on what you did/ did not do.
• I know a lot of people complain that choices in Choices often don't change the story, but they still do in some (Endless Summer!).
• Arcana choices affect whether you get the upright/reversed endings for a LI, which are very different story endings!
• Romance Club's also put you on different paths that change the story line a bit.
• On the other hand, choices in Lovestruck basically never affect the main story line. Some of the older books have passionate/thrilling endings (like Astoria) that get unlocked with your choices, but the new ones never have these endings. Same with Chapters.
• None of these apps offer Telltale or Life is Strange-level choice effects though.
• Journeys offers translations of their stories into several European languages - German, Spanish, Portugues, Italian.

#### Interface

• Most of the games have something nice about their interface that I wish could make it into the other apps.
• Lovestruck allows you to fast forward, rewind, and see a log of speech in the chapter. No more tapping mindlessly and missing something important! That's probably why they don't give you gems for finishing chapters though...
• I really like the tarot check-in in Arcana. It's very on-theme and fun.
• Both Arcana and Lovestruck allow you to collect CGs from LI interactions and you can view them in a gallery later. Both of these games have a mixture of free and premium CGs that you have to use gems to get, but there are many more free ones on Lovestruck and I'd say it's an integral part of the game.
• Choices and Storyscape have what could be considered "CGs" but there's nowhere to view them outside of the chapter they appear. If you don't screenshot the moment you'll have to replay the chapter again to see it.
• Chapters has a "Card Cabinet" where you collect character cards, etc. It's kinda like Steam cards that you earn while playing, though some of the cards require premium choices to be made to unlock. They also have an easy way to view achievements.
• Journeys is the only one that's in landscape, and I actually like that because it feels like I'm watching a movie. They also tell you how much of the chapter you have left when you pause.
• Lovestruck and Chapters both have the ability to write and see in-game reviews of books. But the comments on Chapters are rarely about the book and are just people sharing their friend codes.
• Storyscape tells you who wrote and directed the chapter after you finish, I like that too.

#### History & Background

• All the apps have very different histories about how they came about.
• Lovestruck is technically the oldest here, since some of their stories were first released as stand-alone apps that later got merged into one app in 2017. Speakeasy Tonight was released all the way back in 2013, Astoria in 2015, etc. The company Voltage is based in Japan with an American subsidiary.
• Choices released in August 2016 but the PB team had published two other games (High School Story and Hollywood U) before it with a similar (short) episodic format, and also Surviving High School with EA even before that. They are now a subsidiary of Nexon, a Korean company.
• Arcana got its beginning through Kickstarter three years ago - unfortunately apparently some people still haven't gotten their rewards... Nix Hydra is still an independent game studio as far as I can tell.
• Chapters came out a year or so after Choices and they clearly in the beginning copied a lot of how that app works, right down to the wording of certain choices. The company is ChineseAll USA Corp, based in China, and the US subsidiary is based out of Sunnyvale. That being said, their app now has more unique features and mechanics to keep people playing.
• Romance Club seems to have a big community of readers especially in Eastern Europe, and they're based out of Moldova.
• Journeys is only a few months old but they seem to be very popular in Latin America.
• Storyscape is the newest game here but they were hotly anticipated by a lot of people, and for good reason IMO. Their studio was a game arm of 20th Century Fox so I guess technically they're owned by Disney now?

#### Demographics

Here's a chart by gendesexual orientation for which game gives you the most options / fits a particular demographic best in my opinion:
Gender x Male LIs x Female LIs x Non-binary LIs
Female All apps but esp. Chapters Lovestruck, Choices, Storyscape Lovestruck
Male Choices, Arcana Choices Arcana
Non-binary Arcana Arcana Arcana

#### Similarities

Here's how I would group the games according to similarity.
• The "new otome games": Lovestruck and The Arcana; they're the most similar to each other, with CGs as rewards, and "routes" with specific LIs. Obviously they differ from the classic otome formula in that they have a much greater variety of LIs than just guys!
• The "immersive fiction games": Choices, Romance Club both fit here. A library of their own books and customization of main characters. These two games are extremely similar (I suspect by intent...).
• The "paperback romance games": Chapters and Journeys. Reading these are kinda like reading those cheap paperback novels you buy at the airport, ya know? It's not highbrow fiction, but it scratches a certain itch. These two are also the most similar to Episode in a way.
• The "TV-show-as-book": Storyscape kinda exists as itself. For a while I wondered why they call their books "shows" but it kinda makes sense now because of the production quality. Of course, two of their books are actually from film/TV, but it makes sense because of their origins at Fox.
As a last word, it's kinda cool that for Choices, Storyscape, and Romance Club their developers have all been on and done stuff with their Reddit communities. Romance Club even has a link to the subreddit in the app! The other apps are slacking on this.
Agree, disagree? Tell me!
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