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Adrijan Hristovski

What is Net Lease in Real Estate? Types, Pros, and Cons

November 28, 2022

Reading Time: 6 minutesNet leases have become a staple in real estate for one reason alone: they are often a necessity for startups. After all, most business operations need to choose whether they will lease or buy a space. Those who opt for the former will often choose a commercial building, which brings them one step closer to net lease real estate. Although commercial buildings include their fair share of pros and cons, they also serve as an introduction to lease agreements, of which there are too many to count. Net leases, for example, are one of the more common types of commercial leases that startups come across, but even among them, there are many variations. The purpose of this article is to give you, the reader, a more detailed look into how net leased property has shaped real estate investing in addition to the benefits and drawbacks that come with it. So, what exactly is a net lease in real estate, and why should you care? KEY TAKEAWAYS What’s in a net leased property? Net leases and net leased property imply that the tenant will pay for more than just the space. Often, the tenant is contracted to pay for maintenance, property taxes, and utilities. This is part of why net lease investing is becoming popular, as the investor can potentially reduce plenty of costs. At its core, that is what a net lease in real estate means. However, there is more to it. In fact, net lease real estate comes in many shapes. Net leases are contracts that remain malleable until signed. Therefore, a net leased property can include various additional expenses based on the contract form, which may even include things such as insurance and repairs. As a future tenant, it would be best to choose a net lease that fits your needs and the needs of your business. After all, startup businesses specifically need to cut down on as many costs as possible. As a result, knowing the pros and cons of different net leases is a requirement. At least if you are planning on running a successful business. But before that, you should be familiar with the most common types of net leases in real estate. Net lease types in real estate The net leases are influenced by whether the tenant pays a part or all of the expenses. As mentioned, the payment can include maintenance, taxes, utilities, and other costs of owning a property. In short, there are four general types of net leases that you can expect as a tenant: Single net lease The single net lease, by definition, is a type of lease where the tenant is required to pay property taxes in addition to the fixed rent fee. This type of net lease is considered the most risk-free lease for the tenant, as the property taxes are paid directly through the landlord. The process allows the landlord to ensure that the payment is enough to cover the costs on time. Tenants should keep in mind that property taxes can increase over time. However, these increases are often negligible and would not impact the majority of business tenants. Unlike double and triple net leases, the single net lease allows businesses to plan their budget ahead of time because tax-related expenses rarely vary. In some cases, the overall rent of single net leased properties is lower than the fixed rent fee because of added costs. Double net lease The term double net lease answers the question of what a net lease in real estate is. After all, the double net lease is the most common commercial real estate lease type. Tenants who opt for a double net lease pay taxes and insurance. Similar to the single net lease, the fixed rent fee is often lower when under a double net lease. Since the tenant does not pay for maintenance, businesses can still have an accurate budget plan. The double net lease remains a valuable tool for net lease investing because it adds an extra layer of security for the landlord, who no longer has to worry about timely payments. Triple net lease The triple net lease has the tenant pay a considerably lower fixed rent fee while covering all other costs. Such costs, for example, often include taxes, insurance, and maintenance. The triple net lease is not common in commercial real estate because while the fixed rent fee may be low, the tenant can end up with plenty of additional costs. The triple net lease in real estate allows the landlord to have a lot less responsibility and freedom, but then again, very few tenants look for triple net lease commercial real estate. After all, fewer businesses are looking to spend more money on additional costs than they would have under a gross lease. And what if the tenant does not want to pay any additional fees? That type of lease is called a gross lease. Gross leases, unlike net leases, would allow the tenant to use the property by only paying the flat rental amount. Therefore, all additional expenses fall on the landlord, and the tenant is free of any additional charges. In addition to gross leases, tenants can opt for a modified net lease, which would allow them to follow a specific set of terms that they have agreed upon with the landlord. Net lease – pros and cons At this point, you are more than aware that businesses can argue for a better net lease. Moreover, you have a general idea of the expenses that each net lease involves. Still, there are a set of benefits and drawbacks that might not be evident for those who are new to neat leases in real estate, and they are: Pros: Negotiable ratesAs we mentioned, fixed rent fees for net leases are often significantly lower than those of a gross lease. The main reason is that the tenant pays for additional costs, such as taxes and insurance. Consequently, the landlord can lower the fixed rate

Cash to Close vs Closing Costs: What’s The Difference?

November 28, 2022

Reading Time: 4 minutesThe topic of cash to close vs closing costs revolves around a great deal of misinformation. Many people think it’s a hot topic, which is why the cash to close vs. closing costs debate is gaining traction, but nothing can be further from the truth. It would be better to phrase it as cash to close and closing costs. After all, these two terms are dissimilar but not entirely unconnected. This hot topic, however, is not as controversial as it may seem. The terms have a lot to do with loans and real estate. Some even see one as an implication of the other. Nevertheless, by the end of this short read, you will be familiar with the concepts of cash to close, closing costs, and everything there is to know about them. KEY TAKEAWAYS Who’s Closing? Before we start dealing with these terms individually, here’s who they would interest: Homebuyers – anyone currently purchasing a home or planning on doing so should know what these terms entail. After all, they are crucial to both the process and, as a result, the buyer. Buying a home is accompanied by many worrisome technicalities, so having these two concepts covered can save you a great deal of effort in the long run. Homeowners – those who own homes, and are looking to sell them in the near future, should be more than familiar with these terms. After all, part of having a successful sale is based on knowing your buyer, and you can’t do that if you don’t even know how to sell your real estate properly. Regardless of whether you are part of the former or the latter, or even none of the abovementioned, it certainly won’t hurt to know a thing or two about the process of dealing with real estate. Cash to close vs closing costs – let’s get to it! Closing Cost Closing costs are the fees needed to close on a home loan. These fees come about because you need to contact a mortgage company to initiate the process. As you may have guessed, closing costs depend on many variables, like the type of loan or the amount of money borrowed. Still, some standard fees are almost unavoidable, such as: Appraisal and attorney feesYou need to know how much your home of choice is truly worth, or you risk overpaying. That’s why appraisal fees are a necessity. In fact, you might not even be able to get a loan without having the housing appraised. Similarly, attorneys rack up fees because you can’t finalize the transfer without one. Title insurance and application feesTitle insurance fees are paid in order to ensure that the person you are buying from has the right to sell the property. Although it’s always better to be on the safe side, you don’t technically have to look into the property and the previous owner. As for application fees, if borrowing money, you simply can’t avoid them. That’s the first part of the cash to close vs closing costs discussion. Now, we cover the term cash to close. Cash to Close In short, cash to close refers to the amount you pay to finalize the closing process and successfully purchase real estate, such as administrative costs. The step itself is crucial to real estate investment and could help you understand why wedge deals are becoming a lucrative investment option. Overall, the term includes: Closing costs and down paymentAs we have already covered the main closing costs, we’ll focus on down payments. The term down payment references the amount you have decided to pay upfront. This could be anything between 3% and 20%, although conventional loans often require a rate of approximately 20%. Mortgage points and creditsTo avoid confusion, mortgage points are essentially discount points. This means that they are a type of fee that the buyer pays to a given lender in order to reduce interest rates. In general, these fees are a part of the concept of cash to close. Credits, on the other hand, are the exact opposite. You can use them to reduce closing costs by increasing interest rates. And that would be the second part of the cash to close vs closing costs. At this point, it should be clear that there is some overlap between the two terms, but they don’t refer to the same thing. Conclusion As it turns out, cash to close vs closing costs is a discussion with few overlapping points. Nevertheless, these two seemingly similar yet fundamentally different points are important for anyone looking to dabble in real estate. Keep in mind that the first term, closing costs, refer to the fees needed to close on a home loan. The second term – closing costs, is used to reference the amount of money required to finalize the closing process and successfully purchase real estate. Knowing this, you are ready to start delving deeper into the world of real estate investments. At the very least, you will not be confused by the mention of these two terms ever again! Frequently Asked Questions:

Looking to Double Your Money in 24 Hours? Here Are 5 Realistic Ways to Do It

April 12, 2023

Reading Time: 4 minutesMany believe that looking for quick ways to double your money is a fool’s errand. Even fewer would recommend attempting to do so in 24 hours. Riskless investments are few and far between, but not entirely nonexistent. In short, you need to know how much money you are looking to double and what kind of methods would be best for you. Of course, you should also consider the effort you are willing to put into the whole endeavor. Want to find out more? Get ready to dive into a discussion that might offer the money hacks you need. And no – it does not include flipping iPhones for profit! KEY TAKEAWAYS Disclaimer There is more than one method you can try to double your money in 24 hours. In fact, there are countless ways you can triple or even quadruple your money. Many of those methods, however, are illegal. If that is your forte, you have come to the wrong place. 5 Realistic Ways To Double Your Money in 24 Hours On the other hand, to all those willing to try their hand at a legal way to double their money – welcome! Here are some of the best ways you can at least double your money: Sounds a bit simple, right? You have probably seen a decent amount of articles claiming you should start a retail arbitrage business, invest in real estate, or even crypto. While these are good ways for a person to double their money, they carry a lot more risk than people think. Why not risk it? Retail arbitrage businesses depend solely on your ability to judge whether selling your product of choice is profitable. If you lack that ability, you end up stuck with a pile of products you will never sell. Investing in real estate is too hard if have no knowledge of the market, and have not even begun looking into the business. You can find someone to do it for you, but you absolutely will not double your money in 24 hours. After all, no credible investment funds would promise such returns, especially not in 24 hours. These days, investing in crypto requires in-depth knowledge and careful planning. Sadly, you should no longer dump all your savings in a random coin and expect it to skyrocket. I recommend reading up on the subject before you invest. Low-Cost Services and Small Businesses When you are not willing to double large sums of money, offering low-cost services is the best option. You could also consider opening a small business. In this case, your clientele could mainly include neighbors, friends, and family. What could you offer? In reality, you could offer to do any activity or chore they might not be willing or do not have the time to do themselves. That could include mowing lawns, shoveling snow, or even pet sitting. If you want to expand, you focus on a cleaning business or any skill worth buying. The only thing you would need to invest in is equipment, and there is no shortage of inexpensive equipment on the market. Still, be mindful of your business. It would be wise to invest in quality gear for expanding operations. Although, make sure you do not overcharge your neighbors, friends, and family. After all, your income depends on recurring customers. Besides advertising, an occasional discount could help spread the word about your services and bring in new clients. Membership Site Platforms Many consider this a business where you are not selling anything. Nevertheless, it is far from that. Consider this option if you are a content creator or have a skill that could bring in a following. Your investment, at its core, involves a sign-up fee or any additional fees that the platform might charge you. In return, you can access a platform where your following can support you. Platforms like Patreon or SubscribeStar come to mind. Still, without a following, doubling your investment in a day is not a realistic goal. It will probably take you more than a week. In this case, your clientele stems from your supporters. If you manage to obtain a loyal following as an artist, writer, or content creator, you can more than double the money you have invested. Courses, Tutoring, and Consulting Services Courses, tutoring, and consulting services belong to the same category for two reasons. First, you are doubling your money while solely relying on your knowledge and expertise. Second, they are not money hacks but are a solid way to double your investment. Out of three, consulting services require the most effort. Whether it is accounting, advertising, business, or computers, you need skills you have already honed and knowledge you know how to convey. Courses and tutoring also rely on knowhow but depend on your ability to find clients and meet their needs. Nowadays, most services can be remote, and expenses are generally low. That means you will be investing less money and more time. However, if you already have the skill and a few potential clients in mind, you can double your investment in 24 hours. Afterword Finally, it becomes clear that to double your money in 24 hours, you have to put in the effort. Although the previously mentioned step is unavoidable, some initial hardships are. To avoid them, you need to ask yourself two questions: How much money are you looking to double, and how much time are you willing to give? Only then can you consider the options, of which there are many, and start working on your business. That is one of the best money hacks that few people are willing to tell you because, in reality, that is what it takes to eventually double your money in 24 hours. FAQs Can you double your money in a day?You can, but it comes at a price. What is the best way to double your money in 24 hours?The best way to double your money in 24 hours is to choose a skill

What is a Reverse IPO? Simply Explained

November 6, 2022

Reading Time: 4 minutesIt takes a bit of theoretical know-how to get a good grasp of a reverse IPO. Terms like reverse takeover (RTO) and reverse merger add to the problem, and many become frustrated by the ordeal of having to go through these unfamiliar terms. To make matters worse, the topic itself is rife with economic jargon that further deters even avid readers. However, there are those who, against all odds, have decided to try their hand at the material. And the results? Those who have managed to brave the initial hardships have realized that the topic is relatively easy to understand. Today, we will be covering the ins and outs of reverse IPOS without any extra nebulous concepts and unexplainable terms.So, without further ado – what is a reverse IPO? The Nature of a Reverse IPO At its core, a reverse IPO is a process that allows private companies to acquire public companies. This process, also known as a reverse merger or reverse takeover, exists because companies come to a point where they need to go public. Now, going public is a lengthy endeavor, as there are many hurdles that companies need to go through to finalize the process. So, what happens? As a result, there are cases where private companies are looking to bypass this process. During such cases, private companies can opt to branch out and acquire a given public company to avoid the ordeal of having to go public through normal means. Now, I can probably guess what you are going to ask. Is it that profitable? Yes. Many companies have decided to take this route and it’s all public information. In fact, 398 reverse mergers took place in 2021 alone, which shows precisely how worthwhile reverse IPOs are. It is worth noting that SPAC reverse mergers are also part of this number. In short, SPAC reverse mergers are reverse mergers that involve public shell companies. I am sure that the entire process seems vague. After all, what good does knowing about the process do without an in-depth look into the pros and cons? Many people have heard about reverse takeovers, but few understand why they are that important. Let us focus on the technical aspects of it all. Understanding the Process As we mentioned, companies employ reverse mergers, IPOs, and takeovers for practical reasons. One of the main reasons is that reverse IPOs can save the company a lot of money. Many costs come with going public, and it often involves hiring teams dedicated to successfully finalizing the process. After all, companies that go public need to raise funds and appeal to a lengthy list of government regulations. The reason why there are so many regulations is that a public company gains the ability to be publicly listed and can be part of the capital market. This is usually done through companies without active operations and allows private companies to enter the market without constraining fundraising. Private companies that decide to undergo this process are either already affiliated with a public company or have managed to find a shell company to aid them in this process. The private company needs many shares (often between 50% and 80%) to make the process worthwhile and effectively gain control of the other company. The process can ultimately benefit both sides. A private company can avoid many problematic aspects of going public while a public company can end up owning shares of a growing business and even enter a new market. As you can imagine, reverse mergers can involve various companies and are often followed by many variables. In reality, no two reverse mergers are the same, and the reasons for them can be drastically different. However, as a general overview, here are some of the benefits and drawbacks that analysts associate with reverse takeovers: Benefits From A Reverse IPO Fewer expenses – as previously mentioned, not all companies can go public, even if they want to. Reverse IPOs are often the only option for companies that cannot afford IPOs. After all, fundraising and hiring dedicated legal teams cost a fortune. Less time – part of why reverse takeovers are cheaper is that they also take less time. Even if companies still need some dedicated teams, the number of assignments the team has to complete is smaller, and so are the expenses. More exposure – reverse mergers can sometimes be crucial to companies looking to branch out and reach more markets. Whether it is through reputation alone or ease of access, foreign investments are often vital for developed businesses. Drawbacks Stocks slump – private companies that are part of a reverse merger can end up with a sharp decrease in stock worth when the process finishes. If the private company lacks the means to deal with the transition, it may be in for a rough patch and even bankruptcy. Legal troubles – if the merger is not conducted properly, companies can end up with more expenses than expected, and might even be considered a public company but still pay the expenses that a private firm is liable to cover. This can lead to potential violations that can end even a reputable company. Shell fails – in some cases, private companies go through shell companies to aid them for help. When mergers occur, companies inherently entangle reputations. Therefore, a private company can leave a mark on its reputation by association and vice versa. Let’s Conclude Reverse IPO, mergers, and takeovers are varied and sometimes difficult to grasp. The reason is that the process is not one that many people are aware of and even less understand thoroughly. Should that deter you, as a reader, from reading up on it? Absolutely not. Although seemingly niche, reverse mergers play a significant role in the stock market and can be quite useful to seasoned investors. Analyzing them, on the other hand, is harder than it seems, as there are numerous benefits and drawbacks that are involved. Still, when researching investment opportunities, you should pay

Is Dave Ramsey A Scam? Reviewing His Financial Advice

November 6, 2022

Reading Time: 4 minutesWe are at a point where controversial figures like Dave Ramsey are a dime a dozen. Everyone who has tried their hand at investing is becoming a personal finance guru. Your background, success, and even credibility are less important. The only criterion you need to check is whether people follow your advice. If they do – great, you have an audience that you can squeeze dry. If they do not – that is still great, you just need to change up your pitch and you will find listeners. However, not all finance gurus are cut from the same cloth. Some are worth checking out. As a result, people want to know whether Dave Ramsey is a scam. Where do we begin, though? Who is Dave? Many of Dave Ramsey’s reviews start with a look into who he is. Unlike most, Ramsey has been open about his past ventures – both the good and the bad. Before he became one of America’s most influential finance gurus, Ramsey started as a child with a humble upbringing. Some might even call it rough. Dave Ramsey learned that if he wants to get something, he has to work for it. This idea that his father instilled into him was the first and only push Ramsey needed to become an entrepreneur. He had to start small, so he resorted to selling manual labor and trinkets. He did so because there was not much he could offer at that point. A few years later, the then 18-year-old Ramsey earned a real estate license. I know what you are thinking. Is Dave Ramsey a scam because he started selling overpriced real estate and became a shady real estate mogul? Not exactly. At an important part in his life, Dave Ramsey’s budget took a dive. In other words, his real estate business failed, so he had to file for bankruptcy. How, then, did Ramsey bounce back? Path to Redemption There is a reason why people want to know if Dave Ramsey is a scam, and it has got a lot to do with what he did to get back on his feet. Ramsey’s story is not your typical rags-to-riches situation. There is a proverb that perfectly describes his case – those who can’t do, teach. Ramsey’s solutions came about because of his turn to Christianity. Soon enough, he turned to the Bible for financial advice. He even met his first financial counseling client at church. The man asked Ramsey for financial advice, Ramsey helped him set up a financial plan, and the rest is history. Luckily for Ramsey, the event kickstarted his financial counseling business, which led to him creating The Lampo Group. In time, Ramsey took part in a radio show centered around personal finance known as The Money Game. During this period, he also published a book called Financial Peace. Now, are any of these things red flags? Not really. Is Dave Ramsey a scam? Again, not really. Not many of Dave Ramsey’s critics claim he is a scam because of how he started his career. Although people might be willing to call him out on his initial endeavors, there are few things one could single out during this period. Nevertheless, can we really say that Dave Ramsey is not a scam? The Lowdown As much as it may pain people to read this, Dave Ramsey is not a scam. That is because there is not a lot that Ramsey can do to scam his audience. The majority of his business ventures that can be flagged are based on giving advice, and it is not even the type of advice that outright tells you to buy his product or participate in a scheme of his. But does that mean Ramsey offers quality advice? The biggest problem with personal finance gurus is that they consider themselves the be-all and end-all of financial planning. Ramsey especially puts himself in a position where he is more than likely to be seen as a divine authority because at the core of his teaching lie a set of biblical principles he claims can improve one’s financial condition. It does not take a lot of explanation to connect this to a scenario where a set of fervent followers biasedly filter his advice and end up deeply unsatisfied at best. Moreover, Dave Ramsey’s critics have pointed out that one of his core financial systems, also known as a series of 7 Baby Steps, is unsurprisingly rigid. I say unsurprisingly as rigid financial advice is expected to come from a financial guru with an equally rigid upbringing. Still, it would do Ramsey’s solutions injustice to call them scams. Rigid as they may be, they are not nonsensical. Do they ask followers to take a conservative approach toward financial planning? Yes. Do they involve scamming said followers? No. Conclusion In summary, Dave Ramsey’s budget planning advice is not a scam. Controversial as he may be, he does not seem to be scamming his audience. Regardless of whether he truly believes in what he preaches, Ramsey seems to be a decent financial guru. Still, if you are willing to give him a chance, I would advise you not to consider his advice at face value. Regardless of what Dave Ramsey’s Reviews say, in his case, it is not just about how sound his practices are, but their implication on your life. And lastly, is Dave Ramsey a scam? No, but you should still consider his advice carefully.

Is Social Earn Legit? An Honest Review

March 9, 2023

Reading Time: 5 minutesSocial Earn, or socialearn, is a platform that promises its users many opportunities to make cash online. It claims you can profit by answering surveys, installing apps, and playing games. You even get $10 for each friend you invite! Sound great, right? Sadly, Social Earn runs an extremely common scam format that you should be familiar with. Interestingly, many Social Earn reviews fail to mention this particularly interesting aspect. The most important thing about Social Earn reviews is that many claim the exact opposite. You will not see outrageous claims on their website, and you will find a set of mixed reviews that would leave users wondering whether Social Earn is a scam or a trustworthy website. The question, then, is what makes Social Earn a scam? Social Earn or Social (L)earn If anything, you should look at Social Earn as a learning opportunity. Why? Because it is, admittedly, a decent attempt at a familiar scam. As a user, if you realize that something about Social Earn seems odd, you should be capable of seeing through most scams out there. Instead of telling users that they will earn mind-boggling sums of money just by clicking here and there, Social Earn takes a milder but more effective approach to lure in potential users. It simply asks for a username, an email, and a password. Additionally, if you have a referral code, you can enter it, and the friend who invited you instantly earns $10. Regarding tasks, the platform claims to pay $3+ for surveys and $2 for referral link clicks. Direct referrals earn the user $10, and all users are given $25 on signup. For all other tasks, payment rates vary, which means downloading games, testing apps, and many similar activities are valued differently. As much as it is starting to look like a pyramid scheme, most would say it cannot be one. Although it does not fit the definition, Social Earn is a pyramid scheme at heart. Here is how you, as a potential user, should set up criteria when judging these platforms. Social Earn or Social Burn? A simple search would immediately tell you that the platform came out of nowhere. There was never a clear intention behind it, no articles mentioning the platform during its development, and there was never a Social Learn beta. It just popped up one day and was immediately functional and allegedly successful. Now, it is not like there have never been incredible startups that seemingly came out of the blue. Yet, there is always a noticeable trail behind every one of these startups. If you look hard enough, you can find traces of their inception, development, and success. All these stages are often clearly linked and there for anyone to find. Despite all this, Social Earn just came to be. Nothing more, nothing less. Weird, right? Given its history or lack thereof, any person who has looked into it would ask: is Social Earn legit? So to answer if Social Earn is legit, no, it is not. But it has made clear attempts to hide its illegitimacy. If you were to look up similar platforms, you would find scores of negative reviews. Social Earn, on the other hand, has a mixed record. Is this because it works for some and not for others? Social Earn Reviews – What Do They Say? Actually, Social Earn works only for the people who own it. If you were to go through third-party socialearn reviews, especially on question-and-answer sites such as Quora, you would find users complaining about and praising the platform. As a result, a less experienced person would be interested to find out more about it. More importantly, the same user is less likely to immediately dismiss it as a scam. Instead of betting on a lack of knowledge, Social Earn has placed a more careful bet. Whoever is behind the platform is aware of the fact that people are not as easy to trick as they were some years ago. Instead of adding fake positive reviews to their website, the Socialearn team has decided to target forums, message boards, question-and-answer sites, and almost any place their platform has been mentioned. By doing this, Social Earn’s team has tried to bypass credible public opinion – a very useful tool for rooting out superficial scams. But that is not all. The Price Similar scam platforms, like the social earn scam, promise their users a lot of money. How much? Sometimes, these platforms claim that their users can earn as much as $20 for downloading a single game. Absurd, right? But what if a platform told you that you could earn $3 for a survey? Well, you would probably think that it is a good deal. But is it really a good deal? It would be if it were true. Social Earn’s second bet is on unfamiliarity. People know that $10 is too much for a survey, but what about $5, or $3? As survey price often depends on difficulty and length, for this price, you should expect a specialized survey. Specialized surveys, however, are not given to just anyone. They target a specific part of the population that will be able to answer them. It would take a great deal of effort for platforms like Social Earn to filter their users and offer them tailored surveys. In short, the site must be credible beyond the shadow of a doubt and would likely be certified if it could carry out such tasks. Final Words Finally, is Social Earn legit? Simply put, Social Earn is a careful attempt at a common scam that is guaranteed to fool some users. It will waste your time, and if you fall for it, it will use you as a tool to waste other people’s time. This reorganized pyramid scheme depends on you completing tasks with the hope of earning some money on the side. After you have accumulated earnings and completed a myriad of tasks, your payout will be indefinitely

CloutZap Review: A New Pyramid Scheme?

November 23, 2022

Reading Time: 4 minutesAs soon as you google CloutZap, you are taken to a mellow green site. The site tells you that you can make between $500 and $1000 today and daily. Sounds tempting, right? Especially when you read a short description of what CloutZap is supposed to be. And what, according to the report, exactly is CloutZap? It says it is a platform where you can earn money for clicks. How? By accumulating them on your referral link and referral sign-ups. What is more, you can also apparently earn money by completing simple tasks. What are these simple tasks? According to their official website, the tasks are often playing games and testing free apps. You even get a $35 bonus when as you sign up! So, is CloutZap legit, and can you use the power of social media to make money online? Well, you can do the latter. On the other hand, the former will take some explaining to answer. A Clean Slate Firstly, CloutZap is one of those websites that has a relatively clean layout. No invasive pop-ups, no ads, and no in-your-face offers. Well, except one. Upon arrival, you are greeted by a limited-time offer telling you to sign up now for the $35 bonus mentioned earlier. There is also a convenient timer that resets the moment it hits zero. Unlimited limited offers are just the best. Except for the offer we mentioned, there are no other red flags on the website. That is, in terms of design. The promises, on the other hand, are something else. They are the first tell-tale sign that CloutZap is a scam. Most “apps to make money” scams are the same. They try to make it look like you will be paid for idling. After all, getting clicks on a referral link and making people sign up is not exactly manual labor. It is, however, one of the first warning signs of a pyramid scheme. But more on that later. CloutZap, conveniently, has two sections. One is the CloutZap review section, and the other is the payment proofs section. The reviews and proof sections, as expected, are wonderful. In fact, every single review shows either a completed transaction, a bitcoin wallet, a personal message praising the platform, or a referral story. In their defense, few platforms would be willing to purposefully put up negative reviews. That is about what you get when you first visit their website. We gave CloutZap a clean slate and described their business exactly how they wanted. Now, let us discuss whether they are, without a shadow of a doubt, a legitimate platform. Enter The Pyramid We will give you a brief rundown of what happens when you sign up. The CloutZap scam immediately becomes apparent to people who have used similar websites. Why? Because their rates are off the charts. For example, CloutZap first offers to pay you $45 for a single post on Facebook. Again – one Facebook post. Most run-of-the-mill influencers do not make $45 on a post, and it is becoming significantly harder to become an influencer. Even more shocking, CloutZap promises to pay you $140 for simply downloading and trying a game. But wait, games are not your thing? Well, post a Tik Tok, since that is $80 for you. The rates are clearly not right. Facebook posts, Tik Tok videos, and game testing cost a fraction of the price. It is a red flag that you cannot miss. Think of it this way. If it were true, how much would CloutZap need to be making in order to pay these people? They would need to have struck a miracle of a deal with an advertiser willing to pay them more than $45 for a post, $140 for a game, and over $80 for a Tik Tok. Let us also not forget that the majority of people signing up probably do not have a lot of followers. Back to our first question – is CloutZap legit? Let us say that if it were, people would be quitting their jobs left and right for the ludicrous amount of money this platform is offering. Back To Reality Some of these “apps to make money” scams have incredibly creative methods of keeping you in the loop. CloutZap, however, does not. You just need to put their curated reviews aside and look at the actual CloutZap reviews. As we mentioned, there is not a single CloutZap review in their review section that has shared a negative experience. Similarly, there is not a single review outside their “official” review section that has shared a positive experience. If you put in the time and effort, your CloutZap balance will reach impressive sums within a few days. Despite that, the moment you try to withdraw your earnings, they will be delayed immediately. It is one of the oldest tricks in the book. Nevertheless, many people see it as a harmless scam, but it is not that harmless. The CloutZap scam makes you waste your time and is betting on your identity. Every single task you get is real. And by real, we mean that someone out there is paying for these tasks. They are just not paying you. The rates for these tasks are also nowhere near the amounts promised by the platform. As a bonus, you are also sharing personal information with CloutZap, and the owners will probably try to sell that information the first chance they get. Conclusion Again, is CloutZap legit? Clearly not. CloutZap is nothing more than a cheap scam that will cost you your time and your personal information. You would be much better off spending your time on a platform that will, at the least, pay you whatever spare change you may earn by doing these tasks. It will not be much, but at least it will not make CloutZap’s owners richer by allowing them to exploit unwary users. FAQ: How to contact CloutZap?As with all similar scams, you cannot establish meaningful contact with CloutZap.

Barron’s vs WSJ: Which One Is Better?

March 13, 2023

Reading Time: 4 minutesIn this day and age, keeping up with the news is no easy task. Many news sources, diversified information, and biased outlets are shaping a playing field that is progressively becoming harder to navigate. It is precisely why comparisons between two or more news outlets, such as our topic – Barron’s vs WSJ, are becoming more frequent than ever. Nevertheless, such comparisons are mandatory, as readers must sift through their outlets of choice and find one that suits their needs. Readers often use words like quality, trustworthiness, and price to describe these outlets and build a set of criteria. As we mentioned, it is no easy task, but people should try it. On the topic of Barron’s magazine and Wall Street Journal magazine, they are both similar yet different. These two financial news magazines are seen as some of the best in the business, and rightfully so. But people, generally, want to know what the best things are. As a result – Barron’s vs WSJ; which of these credible magazines is better? Barron’s vs WSJ – An Overview of the Roots Of Both Financial and Business Magazines Firstly, Barron’s and WSJ are financial news magazines that have withstood the test of time. Wall Street Journal has been around since 1889, whereas Barron’s magazine was founded in 1921. Both magazines started as outlets concerning business, finance, and market development. To this day, they have stuck to their roots. Although these outlets have ventured beyond their initial scope, they have focused on covering financial information. Their similarities are a significant part of why Barron’s vs WSJ remains a popular topic of debate. It is also true that they have evolved beyond the scope of most magazines. Moreover, Barron’s and WSJ have succeeded in expanding their reach globally. They have even managed to bring younger readers on board. In a 2021 survey by Alexander Kunst, 22% of respondents between the ages of 18 and 29 claimed they had read the Wall Street Journal in the past two weeks – a feat that even fewer magazines have achieved. Even without the statistics, there is a test that can immediately prove their popularity. If you were to ask ten people whether they have heard of Barron’s or WSJ, eight would probably know about them. Some of them will probably say that they read one or the other. To start the Barron’s vs WSJ debate, we must acknowledge that these two newspapers are household names. Now, what’s next? Barron’s vs WSJ – Availability The availability discussion with all magazines depends on what form you, the reader, are willing to read your magazine in. Barron’s and WSJ have digital and print versions, but there are some limitations to print. Regardless of the subscription, getting a print version might be a problem for some, as few magazines deliver abroad. However, assuming you are willing to go digital, the next thing you need to know about is the subscription fee. It is worth mentioning that getting a Barron’s or a WSJ subscription is usually not something you need to spend a fortune on. Both Barron’s and WSJ have various subscription plans that often come at a discount. For example, new readers get a free trial or discount option from the start. Barron’s vs WSJ – The Price Currently, Barron’s has an introductory offer, which is essentially a 30-day free trial. After the trial, readers are charged $4.99 per month (for a limited time). Barron’s subscription entails access not only to their website but a mobile and tablet app as well. WSJ has a similar offer. As a limited-time offer, new readers are given the chance to hop on a €2 per month plan for the first year. After the first year, however, the price goes up to €28.99 per month – significantly higher than Baron’s normal subscription, which is $4.99 per month. On the other hand, WSJ offers a mobile app, podcasts, featured interviews, and a selection of events, offers, and experiences. In terms of the numbers on circulation, according to Amy Watson, Barron’s reported average paid circulation in 2021 is 920 thousand. However, Watson noted that in the same year, WSJ had an average circulation of around 3.5 million. In terms of numbers, the Barron’s vs WSJ debate is clear, but what about practical quality? Barrons’ vs WSJ – Who Is It For? Barron’s is a magazine that is tailored to investors. It advertently teaches its newer readers about investing in the stock market, while it gives its regular readers crucial bits and pieces about potential upcoming investment options. The magazine is also not burdened by a need to fill pages using subpar stories daily. It focuses on quality content at a weekly intervals. It does, nevertheless, have the feel of a specialized magazine which may not be for the casual reader. The Wall Street Journal is similar but has sections outside the investment sphere. Unlike Barron’s, WSJ offers political and lifestyle insight. It does not mean it fails as an investment magazine, but it is not just about the investment sphere. WSJ can offer investors a more general view of contemporary events. While these events, by themselves, are not investment advice, a knowledgeable investor can use them to support future investments. Even so, the casual reader can get a lot out of the magazine, even without the investment aspect. Both magazines offer solid investment information. After all, the Barron’s vs WSJ debate is not about which of the two is a financial magazine and which is not. It is about which of the two is better at being such a magazine. And which one is it, then? Conclusion Barron’s vs WSJ is not something that can be answered definitively. There are a lot of things to take into consideration, such as subscriptions and content types. As is the case with most publications, you (the reader) must judge whether you are willing to delve into the world of investing and need a magazine that allows no room

Should You Invest In Elon Musk’s SAV Technology?

November 6, 2022

Reading Time: 4 minutesElon Musk is no stranger to having all eyes on him. After all, with so many novel ideas, it is no wonder that Musk is always in the limelight. From controversial to downright impossible, his endeavors have a habit of luring potential investors. And rightfully so. Although there is no end to Elon Musk’s projects that we can discuss, one of particular importance is his SAV technology. The term itself is an acronym that, once explained, immediately gives investors an idea of what this new technology is. SAV stands for shared autonomous vehicles. It’s all clear, right? Kind of. Musk’s SAV project aims to use the vehicles of Tesla owners (when they are not being driven by their owners, of course) as a robotaxi service of sorts. But wait, this sounds like a bit of an odd idea, does it not? Well, it is. However, the same can be said for most of Musk’s inventions, and more than half of them proved lucrative investments for those who were willing to take a risk. Today, we will look into whether you should invest in this revolutionary proposal or whether it might be better to skip SAV stock, for now. So, is this Elon Musk’s next big thing that you should invest in? Is it SAVstainable? Musk’s SAV technology seems to have its fair share of problems, even in its initial stages of development. At its core, SAV will have to compete with services such as Uber and Lyft. Although it is set up differently, the target market is the same. It is no secret that Elon Musk’s projects have been able to enter and thrive in what analysts would call oversaturated markets. If anything, this market is not oversaturated, but just saturated. The market, however, is not the biggest problem. The SAV project stock will depend on a problematic human factor – willingness. Elon Musk’s SAV technology solves part of the human problem by using Tesla’s autonomous driving mode. That, nevertheless, means that human owners will still have to allow their cars to be used in SAV mode. The owners will be compensated, but their cars will still rack up considerable mileage. For some, it will be worth it. For others, not so much. As a potential investor, you should place your bets early, but not too early. If you think that people will be willing to share their car for a given compensation, then SAV might be worth your time. Still, waiting for more specific information is a valid option. Lastly, we should note that in 2019, there were approximately 31.4 million driverless cars in circulation. In 2020, that number rose to 35.02 million. As the number of self-driving cars increases, so will the sustainability of Elon Musk’s SAV technology. There is even talk of a Tesla secret supplier that will benefit immensely from this increase in self-driving cars. How is this connected to Elon Musk’s SAV technology? Well… To Invest To invest in SAV technology is to invest in Tesla’s secret supplier. Before we go on with the details of how this investment would work, future investors should know that investing in SAV will mean investing in Tesla. Does that mean that you will solely invest in Tesla? No. After all, investing in Tesla, in itself, is nothing novel. To capitalize on this opportunity, as an investor, you will be investing in one or a few of Tesla’s suppliers, which could prove to be instrumental in carrying out this autonomous vehicle project. All cars, including Tesla cars, are made up of various bits and pieces. These bits and pieces, depending on their complexity, often need specialized suppliers. To us, investors, they might seem like trivial items, but most of these trivialities have entire supply chains dedicated to them. One example is a camera. We are specifically talking about the camera that Teslas have behind their windshield. The camera in question is used to capture everything that is in front of the car. These cameras need a few components to work, and one of them is an image sensor. The company that makes those sensors has shares that are significantly lower than Tesla’s shares. The same goes for most of its suppliers. Companies like this one are in a good position to raise their value by simply existing in a time where electric vehicles depend on AI. As an investor, you should look for companies that supply Tesla with valuable parts. These are parts that make electric vehicles what they are – revolutionary. Is it an easy task? No. If it were, every single investor would already be on it. We must not forget that at its core, investing is research. Afterword Investing in SAV project stock is not a direct investment. It is an investment that requires dedicated research and in-depth knowledge of the market. SAV could be Elon Musk’s next big thing. After all, there is a reason why the topic has gained so much traction over the last year. If you are truly interested in SAV stock, you are going to have to put in the work. Is it possible to find out which suppliers Tesla depends on? Yes. Is it an easy task? It depends. If you are an investor that enjoys learning the ins and outs of your investment, this might just be the right opportunity for you. FAQ What is SAV technology?SAV technology is an acronym. It stands for shared autonomous vehicles. In short, Elon Musk’s SAV technology is a project that should make use of Tesla self-driving vehicles to act as a robotaxi service of sorts. How to buy Elon Musk SAV stock?To buy SAV stock, you need to put in the work, as this is not a direct investment. First, you need to find out which parts Tesla relies on. Then, you need to place your bet on the right supplier. After this, you have successfully invested in SAV stock.

Can You Owe Money In Stocks?

November 6, 2022

Reading Time: 4 minutesWhen it comes to stocks, most people want to know how to make profitable investments. In time, those people become experienced investors. Then, they either start looking for safer options that guarantee smaller profits or take more risks for more returns. Yet, while every investor knows that they can earn by investing, few know whether they could owe money in stocks. So, can you owe money in stocks? You can, but only if you meet specific conditions. Here is how you can lose more than you invest in stocks. The Basics Of Stocks Although most investors know this, it is best to mention that all investments involve a degree of risk. Whether you want to or not, if you decide to invest, you risk losing some and all of the money you have invested. Losing everything, however, is one of those scenarios that tend to happen rarely, if at all. Chances are, you will not find yourself in a situation where you risk losing everything you have invested. That is unless you decide to back a business in its initial stages or you are a majority shareholder. In that case, investing becomes slightly riskier than it usually is. Those kinds of investments are undertaken by experienced investors that are beyond the scope of this article or the information presented here. As a result, there is no need to go in-depth on the topic. So, back to our topic. Can you owe money in stocks? Can you lose more than you invest in stocks? These are two things that no investor wants to experience. Sadly, as we mentioned before, you can owe money in stocks and lose more than you invest. Surprisingly enough, it depends on how you have decided to invest. In The Red Firstly, can a stock go negative? That is the question that intuitively interests new investors. Ultimately, the answer is that shares can never reach negative values. Stock shares will never fall below zero, even if the company you chose to invest in goes bankrupt. That does not mean that you can never owe money in stocks. So, can you owe money in stocks? There is one way for you to lose money investing. If you borrow money from your broker by opening a margin account, you could end up with debt more significant than your stock’s worth. In most cases, brokers will offer you a standard margin account. The standard margin account means that the broker can loan you no more than 50% of the value of your account. If, for example, you were to deposit $1000 cash or securities, a broker could give you up to $500 to use. Why would a broker loan you anything? That 50% is additional buying power. You can use this buying power to purchase more stocks or even purchase some you could not afford. Is the broker, then, setting you up to fail? No, not really. It is in your best interest to have as much buying power as possible. The more you invest, the bigger the returns. There is no going around this principle of investing. That does not mean that ludicrous sums can save you from losing money on horrible investments. The only thing the broker is doing is giving you more investing power. The decisions, nevertheless, are always yours. Staying Safe Once again, can you owe money in stocks? Yes. Can you lose more than you invest in stocks? Yes. Can a stock go negative? Luckily, no. If you consider that you need a margin account to owe money in stocks, you will instantly realize that there is an easy fix to that problem. What is the fix? Do not open a margin account. It is as simple as that. The benefits of having a margin account are clear. The more money you have, the more you can invest. Does that mean that you must borrow money from your broker? No. If you feel like that is the best option for you, by all means, take it. If not, you can always opt for a cash account. Cash accounts are usually the best option for beginner investors who are unwilling to take more risks than they have to. To invest is to put your money on the line with the goal of profiting. That is already risky enough. You are by no means obliged to put money that you do not have on the line. That is where the cash account comes into play. One Cash Account, Please! Cash accounts allow investors to deposit their funds and use them as the sole resource for purchasing stocks. It means you will be limited to the capital you have at your disposal, which is both good and bad. While you will not go into debt, you will also have less buying power. Lastly, on the topic of staying safe, there is one more thing you might want to avoid if you are not willing to risk going into debt – short selling. Short selling is the practice of betting on a share price falling. Investors can take part in short selling through various means, such as borrowing and selling shares that you plan on repurchasing (expecting a fall) and returning. Investors do this in hopes of catching shares, capitalizing on their fall, and then returning them at a profit. While short selling is a complicated process, investors willing to look into it should research stocks retroactively and find a pattern. For example, based on Statista’s records of stocks with the most short sell positions, Sky Harbour Group (49.88%) is in the lead. Sky Harbour is tailed by Acrimoto Inc. (41.52%) Conn’s Inc. (42.51%), and Camping World Holdings Inc. (41.37%). These companies and their stock records can be a strong foundation for future research. Conclusion You can owe money in stocks. You can lose more than you invest. A stock can never go negative. Does that mean that you will unavoidable owe money if you invest? No, not

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