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Banca internacional #07 CH – Investment banking, arbitrage, crypto y hedging diario

Este contenido fue publicado originalmente el 21/10/2019 - Aca
Posts anteriores de la serie

Background
Este es el primer post en el que me han ayudado tres usuarios residentes en la República Argentina. Los conejillos de Indias de la Banca Internacional que dieron un paso al frente mediante una pesquisa vía discord de mi parte.
Bajo un acuerdo unánime y siguiendo el modus operandi de Banca Internacional, se los mantendrá en el anonimato. Los detalles sobre las transacciones, tarjetas y bancos de Argentina han sido posible gracias a ellos, inclusive del tacaño.

Introducción
Durante los dos últimos meses han cambiado montones de cosas en la República Argentina. De los eventos que son de mi interés, se han impuesto controles de capitales conocidos localmente como el “cepo cambiario” y mediante estos posts algunos usuarios han expresado interés en servicios, divisas o inversiones las cuales no están disponibles en Argentina.
Más allá de los cambios a nivel económico, se han generado oportunidades de inversión local vía arbitrage. En principio de Bonos como el AY24 hasta que el Banco Central de la Republica Argentina actuó para mitigar el fácil acceso al yield que esta operatoria generaba. Luego, bajo una operatoria similar un gran grupo de usuarios se volcó a realizar arbitrage de crypto-assets. En general topándose con problemas de libre movimiento de capital desde y hacia los exchanges o viéndose forzados a pagar comisiones medianamente altas las que disminuían el yield de la operatoria. Este post, ofrece una solución efectiva a este problema de manera (esperemos) permanente.
Otros usuarios han demostrado interés en poder resguardarse de una futura crisis en el Dólar Americano, vía depósitos en Francos Suizos, Yuan Renmimbi, Singapore Dollar, Euros, Libras Esterlinas y metales preciosos como el Oro y la Plata. Para estos usuarios este post también es relevante.

Suiza
Suiza, oficialmente La Confederación Suiza, país que se encuentra en el centro de Europa. Si bien su capital oficial es Berna, esta y Geneva son capitales (y centros) financieros globales. Zug y sus alrededores, se han (están en proceso con algunos setbacks) convertido en centros de desarrollo de crypto-assests, blockchain y fintech.
No es parte de la EU, European Union, tampoco del EEA, European Economic Area o de la Eurozona. Pero participa del tratado Shengen (en parte) y del EU Single Market. Si bien la divisa nacional, tanto como la de Liechtenstein es el Franco Suizo (CHF), el cual posee un protocolo de pagos y transferencias propias también es parte del área SEPA. El CHF es también usado en otras zonas de Europa de facto o simplemente no oficial como Campione d’Italia.
Campione, un poco off-topic, es un enclave Italiano dentro del territorio suizo en la costa del lago de Lugano. Utilizan el Franco Suizo ya que la mayoría de sus residentes eligen utilizar bancos Suizos. Campione, es un tax haven y los residentes fiscales tienen beneficios interesantes como poder hacer trade de bonos vía entidades Suizas libre de impuestos.
Centro financiero mundial, las ideas asociadas con Suiza siempre son las mismas. Secrecía bancaria, lavado de activos, “cuentas numeradas” y similares fantasías perpetradas por Hollywood.
Es verdad que en Suiza la evasión impositiva no es considerada un delito. CRS, Common reporting Standard, es una realidad inevitable. -Argentina es miembro-
Las cuentas numeradas son una idea de los 60’s de las películas de James Bond. Y el lavado de activos, si Uds. Siguen estos posts saben que sucede a nivel global y es un mal que afecta a todos los centros financieros.
Como en otras jurisdicciones a nivel global existen diferentes tipos de banca. Private Retail (No confundir con Privada), Privada, Transaccional, de negocios, Corporativa y de Inversión.
Dentro de la banca de inversión existen brokers de prácticamente todos los instrumentos y commodities a nivel mundial.
Los brokers de FX Suizos tienen una peculiaridad, siendo que bajo regulación del FINMA como requerimiento para brokering FX se les exige una licencia bancaria.
Consecuentemente los brokers de FX son a su vez Bancos que pueden funcionar como bancos retail.

CRS: Si.

Taxacion:
No residentes
Dividendos: De 0 a 35%
Intereses: De 0 a 35%
Regalias: 0%

Controles de capitales: No.

Dukascopy Bank S.A. uno de los gigantes suizos en lo que respecta a banca de inversión. FX, CFDs, Commodities y Cryptocurrencies. Las cuentas disponibles varían medianamente entre jurisdicciones pero en general existen por separado y en conjunto lo que genera una gran confusión al momento de intentar decidir a qué servicio o paquete aplicar.
Operan en diferentes jurisdicciones bajo diferentes entidades y subsidiarias. Suiza, Latvia, Japón, Rusia, Ucrania y Hong Kong.
Al que le interese hacer trading de FX, Dukascopy ofrece soporte para MetaTrader 4, JForex, JForex Web y aplicaciones móviles.

Las cuentas disponibles son
Y mixes de las anteriores. En general hay una sobreposicion de servicios entre los ofrecimientos y es lo que genera más confusión. Diferentes jurisdicciones tienen productos iguales o similares pero bajo diferentes costos.
Por una cuestión de simplicidad el post está centrado en Dukascopy Bank S.A. Suiza y no solo en esa entidad, sino en particular en el producto de nombre Mobile Current Account.

Regulación:

Dukascopy Bank – Suiza
https://www.dukascopy.bank
Licencia: Bancaria (Licenciado y supervisado por FINMA)
Cuentas: Personal/Business.
Deposito Mínimo: No requiere.
Costo de mantenimiento: No.
Tarjeta: Si, Visa física y virtual disponibles.
No-residentes: Si, total soporte.
Detalles: La Mobile Current Account ofrece acceso a depósitos en 23 divisas. Todos los IBANs son suizos, con lo que se puede recibir EUR y CHF vía Transferwise. Tiene soporte para enviar y recibir depósitos vía SEPA y SWIFT para todas las divisas. Pueden efectivamente hacer una transferencia desde su banco directo a Dukascopy.
Suiza, por no ser Unión Europea permite la emisión de tarjetas de débito a no residentes en la confederación o la Unión Europea. Cosa que muchos bancos o EMIs con apertura de cuenta online no ofrecen. La tarjeta tiene costo.

Cargos relevantes (Para transacciones en EUR, para operaciones en otras divisas consultar el link)
https://www.dukascopy.bank/swiss/fees-limits/
Transferencias entre cuentas internas: Gratis
Transferencias dentro Dukascopy Group: Gratis
Depósitos a Dukascopy Card: Gratis
Retiros de Dukascopy Card: Gratis
Depósitos vía tarjetas de Crédito o Debito: 1.2% (En EUR)
Transferencias SEPA: EUR 2.30
Transferencias SWIFT: EUR 20
Aviso: Existen más cargos no relevantes al post, otras opciones de depósito y retiro vía tarjetas de otros bancos, Neteller y Skrill. Lean los detalles antes de operar.

Cargos de la tarjeta Dukascopy
Costo tarjeta Dukascopy física: CHF 18.5
Costo mensual de la tarjeta Dukascopy física: CHF 1
Costo tarjeta Dukascopy virtual: CHF 5
Costo mensual de la tarjeta Dukascopy virtual: CHF 5

Limites
Depósitos per quarter: EUR 3000
Balance: EUR 50.000
Los límites se pueden ampliar hasta el 450% enviando documentación sobre su ocupación, ingresos y residencia fiscal. Los limites se resetean los 1ro Enero, 1ro de Abril, 1ro de Julio y 1ro de Octubre.

Registro y onboarding
Dukascopy Bank (Mobile current account) con onboarding digital vía una app llamada Dukascopy 911, la cual es una especie de social network bancaria. Por registrarse vía esa app el usuario recibe 5 DKUs, un token de Dukascopy que tiene un (soft) peg al Euro. El chat de soporte y los webinars son vía esta aplicación. Una manera de generar extra DKUs es contestando preguntas y participando en la red social la cual dependiendo de la performance del usuario reparte tokens a modo de recompensa.
La cuenta bancaria en si una vez registrada, si bien se puede operar desde Dukascopy 911 es preferible operarla desde Dukascopy Bank, otra aplicación. Desde esta última, pueden abrir una cuenta en EUR y hacer el funding inicial vía tarjeta de débito o crédito.

Particularidades importantes
En los fees se discrimina entre transferencias SEPA y Wires (SWIFT, de más alto costo) sin embargo en la aplicación solo existe una opción, Wires. Si el usuario elige EUR como divisa y utiliza datos bancarios de la Unión Europea, el banco detecta esto y hace la transferencia vía el medio más económico. Hay que prestar atención de usar los datos bancarios correctos de la entidad a la que se intenta hacer el deposito cosa de evitar a toda costa utilizar datos bancarios SWIFT en lugar del preferido, más económico y eficiente SEPA.

Beneficios
El beneficio principal se preguntaran…?
Dukascopy acepta depósitos vía tarjetas de crédito y débito bajo una comisión de solo 1.2% (En Euros) y la cuenta móvil no tiene fees de mantenimiento. Se pueden hacer transferencias SEPA directo a exchanges como Binance Jersey la cual ya establecimos que tiene de los fees más bajos del mercado.
Se han probado tarjetas de Argentina Visa y Mastercard de débito y crédito. Un solo usuario tuvo problemas con tarjeta de BruBank pero pudo utilizar su tarjeta de crédito y como beneficio sumar millas (en el caso del usuario el deposito fue tomado como compra y no genero gastos de adelanto de efectivo).
El monto máximo que se ha podido autorizar con tarjetas Argentinas fue de EUR 1000 , sin embargo varios depósitos consecutivos de EUR 500 también funcionaron. Un usuario se comunico con Visa para autorizar los pagos y desde ese momento no tuvo más problemas. Lamentablemente depositos de EUR 1.7 han fallado...

EDIT: El monto maximo depositado en las pruebas fue de EUR 1000 y no de EUR 850 como se habia posteado originalmente.

Referrals
Algunos usuarios me preguntan sobre referrals de servicios que he posteado en el pasado a modo de recompensa por el tiempo que invierto a nivel personal haciendo research y escribiendo. Si bien algunos de estos servicios ofrecen recompensas, no es algo que vaya par en par con mi moral.
Desde que comencé a escribir sobre banca y servicios financieros, solo ha habido un solo referral, el de Binance Jersey. El cual visto las reglas no paga absolutamente nada, pero si me interesaba a modo de monitorear el nivel de suscripción.
Desde mi punto de vista, los referrals, viniendo de mi parte son poco éticos. Se puede dar a entender que en lugar de informar sobre el mejor servicio, se comparte uno el cual beneficia al que refiere a costas de los usuarios referidos y es posible (muy) que los usuarios no estén al tanto de esta situación.
Por este motivo desde este momento empezando desde el artículo titulado Digital assets C01 – JE | Offshore digital assets, al final del post se van a encontrar con una sección de Donations con 5 direcciones de crypto donde pueden transferir lo que les parezca adecuado.
Los cálculos de retorno efectivo haciendo arbitrage de crypto utilizando los servicios de mis posts varían desde el 12% al 17%.
Desde ya les agradezco por su generosidad y si ustedes quieren hacer referral de cualquier servicio por su cuenta me parece perfecto. Esta regla es pura y exclusivamente mía por una cuestión de neutralidad y ética.
Desde ya muchas gracias por ofrecer el apoyo que ofrecen y los comentarios constructivos.

Links de registro e información
Para la cuenta de la cual se discute en el post
Dukascopy Mobile Bank
Para trade en Suiza
Dukascopy Bank S.A.

Donations.
Token Wallet address BTC 19xvUdQoZosrzYKNaTCK834zRkg5Bogop BCH qqqmyqjspnq0fazk9wvv0elc8vxdp2rkvgfqs3s87x LTC LKNvBgwEtE3w7oEUYiSVb96qCe7xFDBvp8 ETH/DAI 0x1cbbcf2ca8849893ad7feac5ef5c735f6d91fa4e XMR 44AXEt8ZkmjgGuUrPaoNTzBGhp92L3HozSYxAip7dz8qL6A3neJBriLRSjC8Qnam4tEhfw2yXzcXsbZ2dJiWHDC7Ji8nBvx 
submitted by diyexageh to LATAM_PersonalFinance [link] [comments]

How a Danish university dependent on corporate America fosters corporate loyalty in students

Students of Roskilde University ("RUC") have no choice but to accept, become dependent on, and support these corporations:
At RUC there is no escape from Microsoft. Mathworks is only avoided by students who avoid taking statistics.

E-mail service that establishes trust in Microsoft (and how it evolves into loyalty)

RUC has outsourced e-mail service to Microsoft. Students are obligated to access their Microsoft-served e-mail in order to receive official correspondence from school staff. There is no opt-out mechanism.
Regular exposure to MS corporate branding in the student's UI establishes brand awareness using freemium. Students become accustomed to the look and feel of the Outlook UI, making them more likely to develop trust and cling to that interface more in the future. It's through repeated forced bonding with Microsoft's UI that leads ultimately to fostered loyalty.
The loyalty is deepened further when the student grapples with idiosyncrasies like booking a room because the struggle leads to the user acquiring vendor-specific knowledge. The user is rewarded when their skill with the tool advances as they become more efficient with overcoming flaws and anti-features; as if they filled up a Starbucks loyalty card and got a payout. Unlike a loyalty card these advancements continue rewarding the user as long as they keep using the tool. When the user faces the decision to use an alternate tool they are less inclined to give up the vendor-specific knowledge that has accumulated.
So overcoming non-intuitive aspects of a UI actually leads to more loyalty. The university sharpens this effect by trapping the student on the tool. Whereas being outside an organization includes freedom to switch tools anytime a use-case becomes non-intuitive.
RUC has disabled IMAP access, thereby crippling students who would prefer a vendor-neutral standards-complying mail user agent ("MUA") or an MUA of a different vendor. Forcing Microsoft's non-standard protocols and favoring Microsoft UIs creates biases that raise the barrier to exit. Diligent motivated users who install Evolution or hack together a davmail proxy can escape -- but these users are a small minority and ultimately still forced to share their email contents with Microsoft and to feed Microsoft's bottom line.
And what about independence? If the university can't handle being independent from corporations itself aren't students therefore conditioned to lack confidence in overcoming corporate dependency?
When a self-sufficient student or outsider who runs their own residential mail server tries to send an email to an outlook.com/ruc.dk recipient, they are blocked. Microsoft has configured their mail servers to force individuals to be dependent on a corporation for email delivery. RUC has aligned with a corporation who pushes corporate loyalty even beyond the school, dragging outsiders into the Microsoft loyalty program and causing collateral damage to those who don't comply with Microsoft-dictated policy on how email must be transmitted in order for MS to accept it.

Document preparation: Office 365 or Google Docs (LaTeX discouraged)

Students are free to choose their document preparation tool, but professors and supervisors discourage the use of LaTeX. Scientific papers are produced within group projects with supervisors serving as mentors. Some supervisors are reluctant to learn LaTeX or review LaTeX code. Consequently professors urge students to avoid LaTeX to accommodate limitations of supervisors.
RUC equips students with MS Onedrive accounts and one writing tool: MS Word, which is supplied with gratis copies of Office 365. This implies that using MS Word with its co-authoring feature and Onedrive is the only approach on which students can expect official school support. Note that Office 365 is unavailable to Linux users who are therefore limited to the feature-poor in-browser Word app should a Linux user end up in a Microsoft-aligned group.
Some groups opt for LaTeX (vendor-neutral) and use Overleaf (a service of Writelatex Limited) for collaboration, but this choice comes with risk. If just one student in the group opposes the steep learning curve that LaTeX entails, that student likely already has vendor loyalties that they developed in post-secondary school and they will fight hard to avoid the effort of learning something new. RUC basically has the back of students who resist LaTeX, which bends groups in the direction of a corporate solution that builds vendor loyalty.
Google Docs is seemingly the most popular choice. The school discourages use of the most suitable vendor-neutral technology so students gravitate toward Google Docs.
All realtime collaboration options (msword, gdocs, latex) have stumbling blocks and idiosyncrasies. The LaTeX variety of issues lead students to learn something useful about the language or text editor, which furthers their knowledge of technology in a generic way that can be useful in the future. The MS Word and Google Docs varieties of issues lead students to learn about workarounds for specific flaws and limitations of those particular tools. This vendor-specific knowledge is not generally portable to other tools. It's without foundation and does not generally form a basis for building more knowledge. It's knowledge that bonds the user to the tool. The increased efficiency of knowing workarounds for vendor-specific tools serve to heighten vendor loyalty. The user becomes less inclined to migrate to a competing tool later because it entails wasting the knowledge that has no other applicability while inviting new issues to tackle.

Proprietary software labeled as "Free Software" helps propagate brand loyalty

RUC distributes gratis copies of licensed proprietary software under the heading "Free Software". "Free" has two meanings in English: freedom and gratis. The software industry specifically assigns "free software" special meaning: software that gives the user freedom. The software offered by RUC under this heading is quite the opposite of the industry-accepted term. Microsoft Office 365 and Matlab are commercial proprietary binary blobs that deny students the academic freedom of looking at the source code. The distinction between gratis and freedom when discussing software is paramount. RUC's use of the term misinforms the students they are tasked with educating.
Use of the word "free" has a bigger problem: it's one of the most powerful forces in neuromarketing used to manipulate consumers according to Dan Ariely's study published in Predictably Irrational. RUC has refused to correct the heading on their English website from "free software" to "gratis proprietary software". RUC is exploiting the persuasion of the word "free" to maximize the number of students who will install software that will induce brand loyalty.

Research material jailed in corporate walled-gardens of Google and CloudFlare

Library research is sacred and central to academic coursework. One of the primary sources of information available to RUC students is Google Scholar ("GS"). GS is a walled-garden that blocks access to full text if the student is not signed on through the school. RUC recently started blocking Tor. So RUC students who opt to use GS have been forced to give up the only mechanism that protects them from website visitor tracking ("WVT") in this instance. Although a RUC user id has always been potentially disclosed to Google Scholar through the callback authentication mechanism, students could previously use to Tor to avoid exposing their IP address and browser print to Google, which Google can use to cross-reference logged-out searches. Now avoiding that privacy abuse requires abandoning Google Scholar.
With conventional web searches we can easily give up Google because there are good decentralized alternatives like Searx. But Google Scholar has weak competition at RUC and librarians encourage its use. Simply getting the list of database alternatives first requires executing javascript from microsoft.com. Once Microsoft is trusted (not that it should be), a database list is populated and "REX" is available.
REX is rich in search results and makes it viable to avoid Google Scholar. However, REX does not contain the full text of articles and REX does not serve as a proxy either. REX supplies students a link directly to the external resource that has the full text. These external sources are often dominated by privacy abusers, most notably CloudFlare Inc (an adversary of the Tor community). A substantial number of REX-indexed articles are served by Proquest, who currently subjects users to CloudFlare's IP logging in violation of the GDPR.
Privacy is not the focus of this article, but it's related to the loyalty problem. Because CloudFlare is a privacy abuser, ethical informed students may opt to boycott CloudFlare. Students should not be forced to patronize a privacy abuser who surreptitiously collects their IP addresses and who has taken centralized control of over 10% of the web while undermining network neutrality. When Copenhagen Library leads students to a CloudFlare-controlled private walled-garden, it creates a conflict of interest between academic research and the ethical need to boycott bad players.
CloudFlare goes unnoticed to most people and students would not be developing any kind of brand awareness or loyalty to them. However, students need not just to be free from loyalty but also need the freedom to be proactively disloyal. Putting CloudFlare in reckless control of our academic resources is a bad idea. When we encounter CloudFlare in the marketplace as consumers, we can simply vote with our feet and take our business elsewhere. But this academic intrusion is not solved by students voting with their feet because while research potential is lost public money is still going toward the detriment of freedom.
Europe's Plan S initiative will require government-funded research to be made available to the public on the date of publication by the year 2020. However, Copenhagen Library is dependent on publishers who will continue to jail scientific journals in the private corporate walled-garden of CloudFlare Inc.

Copenhagen housing crisis and Facebook's role in it

There is an acute housing shortage in the whole Copenhagen region resulting in apartments with waiting lists as long as five years. There is also a shortage of on-campus university-administered student housing that's so severe that Roskilde University has restricted the units exclusively to exchange students. Permanent full-time students are ineligible for these rooms.
The school provides no service to help the 8000+ permanent students secure a place to stay amid the shortage. Students are given no information about how to directly get in contact with owners of apartments in close proximity to the university. RUC publishes a list of commercial profit-driven brokers who charge students a fee for helping with the hunt for housing or roommates. In some cases the fee is not based on placement so a student could pay fees to simply communicate with a prospective roommate or landlord without actually acquiring housing - which is a very likely scenario.
Students are made dependent on a dozen or so private corporations before school even begins. RUC pays a premium to one of them ("Housinganywhere") to give RUC students VIP treatment (which in this case entails answering e-mail from students), and Housinganywhere falls short of responding to e-mail.
These brokers have no obligation to get a student a booking. Students often arrive homeless or become homeless mid-term. This illustrates the inherent problem of outsourcing to private corporations something as essential as student housing particularly when resources are severely limited.
The brokers' objective is to maximize profit not maximize student placements. One of the brokers charges nothing to the students but designed their website to deny service to students who don't have a CPR number (a number that can only be acquired after establishing a residence), so students entering Denmark for the first time are blocked from using the one broker who charges them nothing.
Another corporate artifact is age discrimination. Some buildings try to cater for students and to keep the rentals marketable to students they impose an age limit. Every "dorm" in close proximity to RUC imposes age restrictions so older RUC students are pushed out of the city to suit corporate policy.
RUC and the housing specialists and brokers RUC endorses have come up short. Enter Facebook. Facebook is the hack by which students find housing. Facebook secures student loyalty in this case not by clever marketing but simply by actually serving as a hack to an otherwise ill-served need.

Facebook invasion into official school communications

Of all the corporations RUC fosters loyalty for, Facebook is the most insidious. Facebook is a cocaine addiction compared to others. Copious articles try to help people break away from Facebook. The stranglehold of Facebook loyalty has driven Cornell University to study it.
Facebook is used to make announcements to RUC students and the internal website is littered with Facebook references. In particular, there are social events that are officially school-sanctioned which appear exclusively on Facebook.
Some might say "fair enough" because social events are non-essential and purely for entertainment. However, RUC has organized all the coursework around group projects. A culture of social bonding is considered important enough to justify having school-sanctioned parties on campus. The organizers have gone as far as to strategically separate student parties and to discourage intermingling across the parties so that students form more bonds with the peers they work with academically. Social bonding is a component of the study program.
Announcing these social events exclusively on Facebook creates an irresistible temptation for non-Facebook users to join. It also destroys any hope of existing FB users who want to break away from Facebook from doing so. Students without Facebook accounts are naturally in the dark. Facebook non-patrons may be able to catch ad-hoc hallway chatter about school events but this is a reckless approach.
When the official class schedule is incorrectly published students who discover the error in advance announce it on Facebook. Facebook then stands as the only source of information for schedule corrections, causing Facebook non-patrons to either miss class or show up for a class that doesn't exist.
Unofficial student-led seminars and workshops are sometimes announced exclusively on Facebook. These workshops are optional but academic nonetheless.
Sometimes information exists on the school website and is duplicated on Facebook. The information becomes very well buried on the poorly organized school website because the maintainers are paying more attention to the Facebook publication that they assume everyone is reading. Specifically the study abroad program has two versions of the document that lists all the foreign schools for which there is an exchange program. One version is obsolete showing schools that no longer participate. Both versions appear in different parts of the website. The schedule of study abroad workshops is so buried that a student relying on the school website is unlikely to know that the workshops even exist. Removing the Facebook distraction would perhaps mitigate the website neglect.
RUC does not instruct students to establish Facebook accounts. There is simply a silent expectation that students have them. Some of the above mentioned problems can come as a surprise because Facebook excludes non-members from even viewing the content, so non-patrons don't even have a way to see what kind of information they are missing. There is an immense undercurrent of pressure for RUC students to become addicted patrons of Facebook's corporate walled-garden.

VPN depends on GSM

RUC's VPN service requires two-factor authentication ("2fa), and the possession factor is met exclusively by SMS messages. There is no opportunity to opt-out of 2fa and no possibility to use an alternate mechanism. Phones and service are also not provided. This forces students into the marketplace to buy phone equipment when most phone vendors have a long history of unethical conduct. Many GSM service providers have the same problem.
If a student can manage to find non-controversial hardware and service they are still subject to needless tracking that's inherent in GSM technology while being pushed into establishing loyalty for the corporation, baited by the lower pricing of phones and plans that are marketed with contracts. A student should be able to reject all GSM hardware and service vendors without being denied access to the RUC's VPN service.

Telegram Messanger

The FabLab uses Telegram Messanger. Offering to collaborate through a service like this is an advancement away from corporate dependency in principle because it enables voice communication without GSM service. However, Telegram is centralized and requires users to disclose their mobile phone numbers (which they may not have) just to register for an account even if it's only going to be used on a desktop. Some Telegram competitors have figured out how to offer gratis account registration without imposing GSM service on the user.

Matlab

The statistics class is structured around MATLABtm, which cannot be installed without registering at Mathworks website (under Dynatrace tracking mechanisms), signing click-through agreements, and disclosing an email address. The email address is later used to promote Mathworks' products and to ask students to help Mathworks with product promotion to others.
Students would normally be charged for a MATLAB license but RUC pays a high premium to ensure students pay nothing. This creates a brand awareness using freemium scenario. Mathworks marketing tries to draw students to more Mathworks products. Students have little choice but to become entrenched in acquiring vendor-specific knowledge on MATLAB to get through the class. This creates a bond and potential to manifest into brand loyalty.

Microblogging centralized on Twitter - loyalty required (new section)

RUC uses Twitter exclusively for microblogging. Without a Twitter account students are only permitted to read RUC's timeline and cannot participate in any discussion.
Students must become loyal to Twitter Inc. if they want to participate in RUC's microblog. Twitter registration requires Tor users to have a phone number and to disclose it. This forces students to either expose their IP address to Twitter for their records or to trust Twitter with their phone number. Both situations compromise anonymity and as a consequence chills speech. Students are also forced to agree to Twitter's one-sided non-negotiable terms before they can communicate with RUC.
Twitter is a private corporation with ultimate authority over which students may talk to their school and what they can say. Twitter has a right to refuse service to anyone for any reason, and they use it. My account was locked because (apparently) using an API over Tor is (falsely) treated as robotic use. So here I am among the public with the need to communicate with my public school, and this private corporation has blocked it.
RUC gives Twitter this power.

Freedom-respecting solutions

If RUC wants to foster independence from sketchy corporations and enable students to boycott unethical players:
RUC needs to replace.. with..
outlook.com mail server in-house mail server, IMAP service (perhaps consult UCLA for guidance)
MS Office 365 shell accounts on vendor-neutral OS, version control, emacs+Rudel, Gobby or the like, LaTeX, LyX, Libreoffice
Google Docs Cryptopad
Telegram Messenger Openfire or Jami
Matlab GNU Octave
Facebook, Twitter Diaspora, Friendica, GNU Social and/or Mastodon (ideally in-house nodes)
Google Scholar PeerJ (cough..and Sci-Hub..cough)
REX references to CloudFlared sites non-CloudFlared sources if they exist, otherwise show an apologetic warning of GDPR breach next to the CF link & state where to complain
microsoft.com javascript that renders db list HTML
SMS 2fa code card
"Free Software" website heading "Gratis Proprietary Software"
(†) actually Copenhagen Library needs to do this, not RUC. (‡) RUC does not push students to use Google Docs; inertia brings students there. RUC should guide students away from that particular privacy-hostile walled-garden.

Call to action (update)

Contact the DPA for Denmark:
Datatilsynet Borgergade 28, 5 Tel. +45 33 1932 00 Fax +45 33 19 32 18 email: [email protected] Website: http://www.datatilsynet.dk/ Member: Ms Cristina Angela GULISANO, Director 
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[Beyond 3.0] Server Downtime for ~9 hours | Frontier Livestream with devs at 2 PM GMT

Update is LIVE!

Beyond 3.0 Launch Day Livestream

Beyond 3.0 CGI Trailer - Commander Chronicles: The Deal

Will Flanagan on the forums:
Hi everyone,
Soon you'll be able to strap yourself into the cockpit of the Chieftain and explore a host of new gameplay features - Chapter One is almost here!
The galaxy servers will be down today from 9.30 AM (GMT) for approximately 9 hours. There is a chance that this could run over, so we really appreciate your patience. As usual with these updates we'll keep you as up to date as possible.
While you wait, join us for a pre-launch livestream at 2:00 PM (GMT) for a Beyond - Chapter One recap with members of the development team on YouTube here.
We'll post the changelog soon, and add update information to the thread as it comes in.
Keep an eye on our social media channels too for regular updates on the server status. We will try to respond to as many queries as possible, but we will give everyone advanced notice for when the servers come back online, and social media is your best bet for knowing when the servers are back up and running!
Thanks!

Elite Dangerous: Beyond - The Features of 3.0

(Includes improvements Coming Soon for Crime and Ship Destruction, Kill Warrant Scanner, Superpower Bounties)
Edward Lewis:
Here's an overview of all the features coming to Elite Dangerous: Beyond - Chapter One. With one or two exceptions (outlined within the section) the information below is how the feature will work at launch of Elite Dangerous 3.0.

Patch Notes

New features for 3.0

Crime
Missions
Ships
Trade Data & Galaxy Map
Engineers
Weapons and modules
Galnet Audio
Installation and Megaship Interactions
Surface material system
Quality of Life
Misc Features
Consoles

Fixes and Improvements

This update includes well over 1000 fixes for various issues that have been discovered and investigated during the development process since the release of 2.4. For the sake of clarity, we have primarily listed below fixes for issues that have been reported to us by the community or other important changes.
Art
Audio
Camera Suite
Consoles
Controls & Control Devices
Engineers
Galaxy Map/System Map
General Fixes & Tweaks
Holo-Me Creator
Hyperspace/Supercruise
Installations/POIs/USSs
Launcher (PC Only)
Missions
Multi-Crew
NPCs
Outfitting
Player Journal
Powerplay
Render
Ships & SRV
General Ship Fixes and Improvements
Anaconda
Asp Explorer
Cobra Mk. III
Diamondback Explorer
F63 Condor
Federal Gunship
Imperial Clipper
Imperial Courier
Imperial Cutter
Orca
Python
SRV
Type 7
Type 9 Heavy
Type 10 Defender
Viper Mk4
Stability Fixes
Starports/Outposts/Surface Ports
Synthesis
User Interface
VR
Weapons & Modules
Wings
submitted by ChristianM to EliteDangerous [link] [comments]

Elite Dangerous Roadmap for 2018

Forum Roadmap - contains dev comments & more comprehensive due to higher character limit.

Elite Dangerous: Beyond - Season 3 Roadmap

All 4 updates will be FREE for all Elite Dangerous: Horizons owners - Source Premium Content for Lifetime Pass owners is planned for 2018 - Source

Q1 Release - 3.0 Update [LIVE]

3.0 Patch Notes:
New core improvements, expanding the narrative, and some of the new features. This update is a stepping stone for a larger update that will arrive in Q4 of 2018:

2 x Content Updates

YouTube Timestamp

Q4 Release

YouTube Timestamp
Most features announced at Frontier Expo 2017 on October 7th - YouTube Video Some features detailed and discussed with the community on the Beyond Series Focus Feedback forum. 3.0 Features showcased on Livestream #1, #2, #3 and detailed on Forum Recap #1, #2 & #3.
submitted by ChristianM to Games [link] [comments]

Elite Dangerous Roadmap for 2018

Forum Roadmap - contains dev comments & more comprehensive due to higher character limit.

Elite Dangerous: Beyond - Season 3 Roadmap

All 4 updates will be FREE for all Elite Dangerous: Horizons owners - Source Premium Content for Lifetime Pass owners is planned for 2018 - Source

Q1 Release - 3.0 Update [LIVE]

3.0 Patch Notes:
New core improvements, expanding the narrative, and some of the new features. This update is a stepping stone for a larger update that will arrive in Q4 of 2018:

2 x Content Updates

YouTube Timestamp

Q4 Release

YouTube Timestamp
Most features announced at Frontier Expo 2017 on October 7th - YouTube Video Some features detailed and discussed with the community on the Beyond Series Focus Feedback forum. 3.0 Features showcased on Livestream #1, #2, #3 and detailed on Forum Recap #1, #2 & #3.
submitted by ChristianM to oculus [link] [comments]

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