NEW INFO 5 Results from share redemption are posted. Less than .2% redeemed. Very bullish as investors are showing extreme confidence in the future of PLBY.
https://finance.yahoo.com/news/playboy-mountain-crest-acquisition-corp-120000721.html
NEW INFO 4 Definitive Agreement to purchase 100% of Lovers brand stores announced 2/1.
https://www.streetinsider.com/Corporate+News/Playboy+%28MCAC%29+Confirms+Deal+to+Acquire+Lovers/17892359.html
NEW INFO 3 I bought more on the dip today. 5081 total. Price rose AH to $12.38 (2.15%)
NEW INFO 2 Here is the full webinar.
https://icrinc.zoom.us/rec/play/9GWKdmOYumjWfZuufW3QXpe_FW_g--qeNbg6PnTjTMbnNTgLmCbWjeRFpQga1iPc-elpGap8dnDv8Zww.yD7DjUwuPmapeEdP?continueMode=true&tk=lEYc4F_FkKlgsmCIs6w0gtGHT2kbgVGbUju3cIRBSjk.DQIAAAAV8NK49xZWdldRM2xNSFNQcTBmcE00UzM3bXh3AAAAAAAAAAAAAAAAAAAAAAAAAAAA&uuid=WN_GKWqbHkeSyuWetJmLFkj4g&_x_zm_rtaid=kR45-uuqRE-L65AxLjpbQw.1611967079119.2c054e3d3f8d8e63339273d9175939ed&_x_zm_rhtaid=866
NEW INFO 1 Live merger webinar with PLBY and MCAC on Friday January 29, 2021 at 12:00 NOON EST link below
https://mcacquisition.com/investor-relations/press-release-details/2021/Playboy-Enterprises-Inc.-and-Mountain-Crest-Acquisition-Corp-Participate-in-SPACInsider-ICR-Webinar-on-January-29th-at-12pm-ET/default.aspx
Playboy going public: Porn, Gambling, and Cannabis
!!!WARNING READING AHEAD!!! TL;DR at the end. It will take some time to sort through all the links and read/watch everything, but you should.
In the next couple weeks, Mountain Crest Acquisition Corp is taking Playboy public. The existing ticker MCAC will become PLBY. Special purpose acquisition companies have taken private companies public in recent months with great success. I believe this will be no exception. Notably, Playboy is profitable and has skyrocketing revenue going into a transformational growth phase.
Porn - First and foremost, let's talk about porn. I know what you guys are thinking. “Porno mags are dead. Why would I want to invest in something like that? I can get porn for free online.” Guess what? You are absolutely right. And that’s exactly why Playboy doesn’t do that anymore. That’s right, they eliminated their print division. And yet they somehow STILL make money from porn that people (see: boomers) pay for on their website through PlayboyTV, Playboy Plus, and iPlayboy. Here’s the thing: Playboy has international, multi-generational name recognition from porn. They have content available in 180 countries. It will be the only publicly traded adult entertainment (porn) company. But that is not where this company is going. It will help support them along the way. You can see every Playboy magazine through iPlayboy if you’re interested. NSFW links below:
https://www.playboy.com/
https://www.playboytv.com/
https://www.playboyplus.com/
https://www.iplayboy.com/
Gambling - Some of you might recognize the Playboy brand from gambling trips to places like Las Vegas, Atlantic City, Cancun, London or Macau. They’ve been in the gambling biz for decades through their casinos, clubs, and licensed gaming products. They see the writing on the wall. COVID is accelerating the transition to digital, application based GAMBLING. That’s right. What we are doing on Robinhood with risky options is gambling, and the only reason regulators might give a shit anymore is because we are making too much money. There may be some restrictions put in place, but gambling from your phone on your couch is not going anywhere. More and more states are allowing things like Draftkings, poker, state ‘lottery” apps, hell - even political betting. Michigan and Virginia just ok’d gambling apps. They won’t be the last. This is all from your couch and any 18 year old with a cracked iphone can access it. Wouldn’t it be cool if Playboy was going to do something like that? They’re already working on it. As per CEO Ben Kohn who we will get to later, “...the company’s casino-style digital gaming products with Scientific Games and Microgaming continue to see significant global growth.” Honestly, I stopped researching Scientific Games' sports betting segment when I saw the word ‘omni-channel’. That told me all I needed to know about it’s success.
“Our SG Sports™ platform is an enhanced, omni-channel solution for online, self-service and retail fixed odds sports betting – from soccer to tennis, basketball, football, baseball, hockey, motor sports, racing and more.”
https://www.scientificgames.com/
https://www.microgaming.co.uk/
“This latter segment has become increasingly enticing for Playboy, and it said last week that it is considering new tie-ups that could include gaming operators like PointsBet and 888Holdings.”
https://calvinayre.com/2020/10/05/business/playboys-gaming-ops-could-get-a-boost-from-spac-purchase/
As per their SEC filing:
“Significant consumer engagement and spend with Playboy-branded gaming properties around the world, including with leading partners such as Microgaming, Scientific Games, and Caesar’s Entertainment, steers our investment in digital gaming, sports betting and other digital offerings to further support our commercial strategy to expand consumer spend with minimal marginal cost, and gain consumer data to inform go-to-market plans across categories.”
https://www.sec.gov/Archives/edgadata/1803914/000110465921005986/tm2034213-12_defm14a.htm#tMDAA1
They are expanding into more areas of gaming/gambling, working with international players in the digital gaming/gambling arena, and a Playboy sportsbook is on the horizon.
https://www.playboy.com/read/the-pleasure-of-playing-with-yourself-mobile-gaming-in-the-covid-era
Cannabis - If you’ve ever read through a Playboy magazine, you know they’ve had a positive relationship with cannabis for many years. As of September 2020, Playboy has made a major shift into the cannabis space. Too good to be true you say? Check their website. Playboy currently sells a range of CBD products. This is a good sign. Federal hemp products, which these most likely are, can be mailed across state lines and most importantly for a company like Playboy, can operate through a traditional banking institution. CBD products are usually the first step towards the cannabis space for large companies. Playboy didn’t make these products themselves meaning they are working with a processor in the cannabis industry. Another good sign for future expansion. What else do they have for sale? Pipes, grinders, ashtrays, rolling trays, joint holders. Hmm. Ok. So it looks like they want to sell some shit. They probably don’t have an active interest in cannabis right? Think again:
https://www.forbes.com/sites/javierhasse/2020/09/24/playboy-gets-serious-about-cannabis-law-reform-advocacy-with-new-partnership-grants/?sh=62f044a65cea
“Taking yet another step into the cannabis space, Playboy will be announcing later on Thursday (September, 2020) that it is launching a cannabis law reform and advocacy campaign in partnership with National Organization for the Reform of Marijuana Laws (NORML), Last Prisoner Project, Marijuana Policy Project, the Veterans Cannabis Project, and the Eaze Momentum Program.”
“According to information procured exclusively, the three-pronged campaign will focus on calling for federal legalization. The program also includes the creation of a mentorship plan, through which the Playboy Foundation will support entrepreneurs from groups that are underrepresented in the industry.” Remember that CEO Kohn from earlier? He wrote this recently:
https://medium.com/naked-open-letters-from-playboy/congress-must-pass-the-more-act-c867c35239ae
Seems like he really wants weed to be legal? Hmm wonder why? The writing's on the wall my friends. Playboy wants into the cannabis industry, they are making steps towards this end, and we have favorable conditions for legislative progress.
Don’t think branding your own cannabis line is profitable or worthwhile? Tell me why these 41 celebrity millionaires and billionaires are dummies. I’ll wait.
https://www.celebstoner.com/news/celebstoner-news/2019/07/12/top-celebrity-cannabis-brands/
Confirmation: I hear you. “This all seems pretty speculative. It would be wildly profitable if they pull this shift off. But how do we really know?” Watch this whole video:
https://finance.yahoo.com/video/playboy-ceo-telling-story-female-154907068.html
Man - this interview just gets my juices flowing. And highlights one of my favorite reasons for this play. They have so many different business avenues from which a catalyst could appear. I think paying attention, holding shares, and options on these staggered announcements over the next year is the way I am going to go about it. "There's definitely been a shift to direct-to-consumer," he (Kohn) said. "About 50 percent of our revenue today is direct-to-consumer, and that will continue to grow going forward.” “Kohn touted Playboy's portfolio of both digital and consumer products, with casino-style gaming, in particular, serving a crucial role under the company's new business model. Playboy also has its sights on the emerging cannabis market, from CBD products to marijuana products geared toward sexual health and pleasure.” "If THC does become legal in the United States, we have developed certain strains to enhance your sex life that we will launch," Kohn said. https://cheddar.com/media/playboy-goes-public-health-gaming-lifestyle-focus Oh? The CEO actually said it? Ok then. “We have developed certain strains…” They’re already working with growers on strains and genetics? Ok. There are several legal cannabis markets for those products right now, international and stateside. I expect Playboy licensed hemp and THC pre-rolls by EOY. Something like this: https://www.etsy.com/listing/842996758/10-playboy-pre-roll-tubes-limited?ga_order=most_relevant&ga_search_type=all&ga_view_type=gallery&ga_search_query=pre+roll+playboy&ref=sr_gallery-1-2&organic_search_click=1 Maintaining cannabis operations can be costly and a regulatory headache. Playboy’s licensing strategy allows them to pick successful, established partners and sidestep traditional barriers to entry. You know what I like about these new markets? They’re expanding. Worldwide. And they are going to be a bigger deal than they already are with or without Playboy. Who thinks weed and gambling are going away? Too many people like that stuff. These are easy markets. And Playboy is early enough to carve out their spot in each. Fuck it, read this too: https://www.forbes.com/sites/jimosman/2020/10/20/playboy-could-be-the-king-of-spacs-here-are-three-picks/?sh=2e13dcaa3e05
Numbers: You want numbers? I got numbers. As per the company’s most recent SEC filing:
“For the year ended December 31, 2019, and the nine months ended September 30, 2020, Playboy’s historical consolidated revenue was $78.1 million and $101.3 million, respectively, historical consolidated net income (loss) was $(23.6) million and $(4.8) million, respectively, and Adjusted EBITDA was $13.1 million and $21.8 million, respectively.”
“In the nine months ended September 30, 2020, Playboy’s Licensing segment contributed $44.2 million in revenue and $31.1 million in net income.”
“In the ninth months ended September 30, 2020, Playboy’s Direct-to-Consumer segment contributed $40.2 million in revenue and net income of $0.1 million.”
“In the nine months ended September 30, 2020, Playboy’s Digital Subscriptions and Content segment contributed $15.4 million in revenue and net income of $7.4 million.”
They are profitable across all three of their current business segments.
“Playboy’s return to the public markets presents a transformed, streamlined and high-growth business. The Company has over $400 million in cash flows contracted through 2029, sexual wellness products available for sale online and in over 10,000 major retail stores in the US, and a growing variety of clothing and branded lifestyle and digital gaming products.”
https://www.sec.gov/Archives/edgadata/1803914/000110465921005986/tm2034213-12_defm14a.htm#tSHCF
Growth: Playboy has massive growth in China and massive growth potential in India. “In China, where Playboy has spent more than 25 years building its business, our licensees have an enormous footprint of nearly 2,500 brick and mortar stores and 1,000 ecommerce stores selling high quality, Playboy-branded men’s casual wear, shoes/footwear, sleepwear, swimwear, formal suits, leather & non-leather goods, sweaters, active wear, and accessories. We have achieved significant growth in China licensing revenues over the past several years in partnership with strong licensees and high-quality manufacturers, and we are planning for increased growth through updates to our men’s fashion lines and expansion into adjacent categories in men’s skincare and grooming, sexual wellness, and women’s fashion, a category where recent launches have been well received.” The men’s market in China is about the same size as the entire population of the United States and European Union combined. Playboy is a leading brand in this market. They are expanding into the women’s market too. Did you know CBD toothpaste is huge in China? China loves CBD products and has hemp fields that dwarf those in the US. If Playboy expands their CBD line China it will be huge. Did you know the gambling money in Macau absolutely puts Las Vegas to shame? Technically, it's illegal on the mainland, but in reality, there is a lot of gambling going on in China. https://www.forbes.com/sites/javierhasse/2020/10/19/magic-johnson-and-uncle-buds-cbd-brand-enter-china-via-tmall-partnership/?sh=271776ca411e “In India, Playboy today has a presence through select apparel licensees and hospitality establishments. Consumer research suggests significant growth opportunities in the territory with Playboy’s brand and categories of focus.” “Playboy Enterprises has announced the expansion of its global consumer products business into India as part of a partnership with Jay Jay Iconic Brands, a leading fashion and lifestyle Company in India.” “The Indian market today is dominated by consumers under the age of 35, who represent more than 65 percent of the country’s total population and are driving India’s significant online shopping growth. The Playboy brand’s core values of playfulness and exploration resonate strongly with the expressed desires of today’s younger millennial consumers. For us, Playboy was the perfect fit.” “The Playboy international portfolio has been flourishing for more than 25 years in several South Asian markets such as China and Japan. In particular, it has strategically targeted the millennial and gen-Z audiences across categories such as apparel, footwear, home textiles, eyewear and watches.” https://www.licenseglobal.com/industry-news/playboy-expands-global-footprint-india It looks like they gave COVID the heisman in terms of net damage sustained: “Although Playboy has not suffered any material adverse consequences to date from the COVID-19 pandemic, the business has been impacted both negatively and positively. The remote working and stay-at-home orders resulted in the closure of the London Playboy Club and retail stores of Playboy’s licensees, decreasing licensing revenues in the second quarter, as well as causing supply chain disruption and less efficient product development thereby slowing the launch of new products. However, these negative impacts were offset by an increase in Yandy’s direct-to-consumer sales, which have benefited in part from overall increases in online retail sales so far during the pandemic.” Looks like the positives are long term (Yandy acquisition) and the negatives are temporary (stay-at-home orders).
https://www.sec.gov/Archives/edgadata/1803914/000110465921006093/tm213766-1_defa14a.htm
This speaks to their ability to maintain a financially solvent company throughout the transition phase to the aforementioned areas. They’d say some fancy shit like “expanded business model to encompass four key revenue streams: Sexual Wellness, Style & Apparel, Gaming & Lifestyle, and Beauty & Grooming.” I hear “we’re just biding our time with these trinkets until those dollar dollar bill y’all markets are fully up and running.” But the truth is these existing revenue streams are profitable, scalable, and rapidly expanding Playboy’s e-commerce segment around the world.
"Even in the face of COVID this year, we've been able to grow EBITDA over 100 percent and revenue over 68 percent, and I expect that to accelerate going into 2021," he said. “Playboy is accelerating its growth in company-owned and branded consumer products in attractive and expanding markets in which it has a proven history of brand affinity and consumer spend.”
Also in the SEC filing, the Time Frame:
“As we detailed in the definitive proxy statement, the SPAC stockholder meeting to vote on the transaction has been set for February 9th, and, subject to stockholder approval and satisfaction of the other closing conditions, we expect to complete the merger and begin trading on NASDAQ under ticker PLBY shortly thereafter,” concluded Kohn.
The Players: Suhail “The Whale” Rizvi (HMFIC), Ben “The Bridge” Kohn (CEO), “lil” Suying Liu & “Big” Dong Liu (Young-gun China gang). I encourage you to look these folks up. The real OG here is Suhail Rizvi. He’s from India originally and Chairman of the Board for the new PLBY company. He was an early investor in Twitter, Square, Facebook and others. His firm, Rizvi Traverse, currently invests in Instacart, Pinterest, Snapchat, Playboy, and SpaceX. Maybe you’ve heard of them. “Rizvi, who owns a sprawling three-home compound in Greenwich, Connecticut, and a 1.65-acre estate in Palm Beach, Florida, near Bill Gates and Michael Bloomberg, moved to Iowa Falls when he was five. His father was a professor of psychology at Iowa. Along with his older brother Ashraf, a hedge fund manager, Rizvi graduated from Wharton business school.” “Suhail Rizvi: the 47-year-old 'unsocial' social media baron: When Twitter goes public in the coming weeks (2013), one of the biggest winners will be a 47-year-old financier who guards his secrecy so zealously that he employs a person to take down his Wikipedia entry and scrub his photos from the internet. In IPO, Twitter seeks to be 'anti-FB'” “Prince Alwaleed bin Talal of Saudi Arabia looks like a big Twitter winner. So do the moneyed clients of Jamie Dimon. But as you’ve-got-to-be-joking wealth washed over Twitter on Thursday — a company that didn’t exist eight years ago was worth $31.7 billion after its first day on the stock market — the non-boldface name of the moment is Suhail R. Rizvi. Mr. Rizvi, 47, runs a private investment company that is the largest outside investor in Twitter with a 15.6 percent stake worth $3.8 billion at the end of trading on Thursday (November, 2013). Using a web of connections in the tech industry and in finance, as well as a hearty dose of good timing, he brought many prominent names in at the ground floor, including the Saudi prince and some of JPMorgan’s wealthiest clients.” https://www.nytimes.com/2013/11/08/technology/at-twitter-working-behind-the-scenes-toward-a-billion-dollar-payday.html Y’all like that Arab money? How about a dude that can call up Saudi Princes and convince them to spend? Funniest shit about I read about him: “Rizvi was able to buy only $100 million in Facebook shortly before its IPO, thus limiting his returns, according to people with knowledge of the matter.” Poor guy :(
He should be fine with the 16 million PLBY shares he's going to have though :)
Shuhail also has experience in the entertainment industry. He’s invested in companies like SESAC, ICM, and Summit Entertainment. He’s got Hollywood connections to blast this stuff post-merger. And he’s at least partially responsible for that whole Twilight thing. I’m team Edward btw.
I really like what Suhail has done so far. He’s lurked in the shadows while Kohn is consolidating the company, trimming the fat, making Playboy profitable, and aiming the ship at modern growing markets.
https://www.reuters.com/article/us-twitter-ipo-rizvi-insight/insight-little-known-hollywood-investor-poised-to-score-with-twitter-ipo-idUSBRE9920VW20131003
Ben “The Bridge” Kohn is an interesting guy. He’s the connection between Rizvi Traverse and Playboy. He’s both CEO of Playboy and was previously Managing Partner at Rizvi Traverse. Ben seems to be the voice of the Playboy-Rizvi partnership, which makes sense with Suhail’s privacy concerns. Kohn said this:
“Today is a very big day for all of us at Playboy and for all our partners globally. I stepped into the CEO role at Playboy in 2017 because I saw the biggest opportunity of my career. Playboy is a brand and platform that could not be replicated today. It has massive global reach, with more than $3B of global consumer spend and products sold in over 180 countries. Our mission – to create a culture where all people can pursue pleasure – is rooted in our 67-year history and creates a clear focus for our business and role we play in people’s lives, providing them with the products, services and experiences that create a lifestyle of pleasure. We are taking this step into the public markets because the committed capital will enable us to accelerate our product development and go-to-market strategies and to more rapidly build our direct to consumer capabilities,” said Ben Kohn, CEO of Playboy.
“Playboy today is a highly profitable commerce business with a total addressable market projected in the trillions of dollars,” Mr. Kohn continued, “We are actively selling into the Sexual Wellness consumer category, projected to be approximately $400 billion in size by 2024, where our recently launched intimacy products have rolled out to more than 10,000 stores at major US retailers in the United States. Combined with our owned & operated ecommerce Sexual Wellness initiatives, the category will contribute more than 40% of our revenue this year. In our Apparel and Beauty categories, our collaborations with high-end fashion brands including Missguided and PacSun are projected to achieve over $50M in retail sales across the US and UK this year, our leading men’s apparel lines in China expanded to nearly 2500 brick and mortar stores and almost 1000 digital stores, and our new men’s and women’s fragrance line recently launched in Europe. In Gaming, our casino-style digital gaming products with Scientific Games and Microgaming continue to see significant global growth. Our product strategy is informed by years of consumer data as we actively expand from a purely licensing model into owning and operating key high-growth product lines focused on driving profitability and consumer lifetime value. We are thrilled about the future of Playboy. Our foundation has been set to drive further growth and margin, and with the committed capital from this transaction and our more than $180M in NOLs, we will take advantage of the opportunity in front of us, building to our goal of $100M of adjusted EBITDA in 2025.”
https://www.businesswire.com/news/home/20201001005404/en/Playboy-to-Become-a-Public-Company
Also, according to their Form 4s, “Big” Dong Liu and “lil” Suying Liu just loaded up with shares last week. These guys are brothers and seem like the Chinese market connection. They are only 32 & 35 years old. I don’t even know what that means, but it's provocative.
https://www.secform4.com/insider-trading/1832415.htm
https://finance.yahoo.com/news/mountain-crest-acquisition-corp-ii-002600994.html
Y’all like that China money?
“Mr. Liu has been the Chief Financial Officer of Dongguan Zhishang Photoelectric Technology Co., Ltd., a regional designer, manufacturer and distributor of LED lights serving commercial customers throughout Southern China since November 2016, at which time he led a syndicate of investments into the firm. Mr. Liu has since overseen the financials of Dongguan Zhishang as well as provided strategic guidance to its board of directors, advising on operational efficiency and cash flow performance. From March 2010 to October 2016, Mr. Liu was the Head of Finance at Feidiao Electrical Group Co., Ltd., a leading Chinese manufacturer of electrical outlets headquartered in Shanghai and with businesses in the greater China region as well as Europe.”
Dr. Suying Liu, Chairman and Chief Executive Officer of Mountain Crest Acquisition Corp., commented, “Playboy is a unique and compelling investment opportunity, with one of the world’s largest and most recognized brands, its proven consumer affinity and spend, and its enormous future growth potential in its four product segments and new and existing geographic regions. I am thrilled to be partnering with Ben and his exceptional team to bring his vision to fruition.”
https://www.businesswire.com/news/home/20201001005404/en/Playboy-to-Become-a-Public-Company
These guys are good. They have a proven track record of success across multiple industries. Connections and money run deep with all of these guys. I don’t think they’re in the game to lose.
I was going to write a couple more paragraphs about why you should have a look at this but really the best thing you can do is read this SEC filing from a couple days ago. It explains the situation in far better detail. Specifically, look to page 137 and read through their strategy. Also, look at their ownership percentages and compensation plans including the stock options and their prices. The financials look great, revenue is up 90% Q3, and it looks like a bright future.
https://www.sec.gov/Archives/edgadata/1803914/000110465921005986/tm2034213-12_defm14a.htm#tSHCF
I’m hesitant to attach this because his position seems short term, but I’m going to with a warning because he does hit on some good points (two are below his link) and he’s got a sizable position in this thing (500k+ on margin, I think). I don’t know this guy but he did look at the same publicly available info and make roughly the same prediction, albeit without the in depth gambling or cannabis mention. You can also search reddit for ‘MCAC’ and very few relevant results come up and none of them even come close to really looking at this thing.
https://docs.google.com/document/d/1gOvAd6lebs452hFlWWbxVjQ3VMsjGBkbJeXRwDwIJfM/edit?usp=sharing
“Also, before you people start making claims that Playboy is a “boomer” company, STOP RIGHT THERE. This is not a good argument. Simply put. The only thing that matters is Playboy’s name recognition, not their archaic business model which doesn’t even exist anymore as they have completely repurposed their business.”
“Imagine not buying $MCAC at a 400M valuation lol. Streetwear department is worth 1B alone imo.”
Considering the ridiculous Chinese growth as a lifestyle brand, he’s not wrong.
Current Cultural Significance and Meme Value: A year ago I wouldn’t have included this section but the events from the last several weeks (even going back to tsla) have proven that a company’s ability to meme and/or gain social network popularity can have an effect. Tik-tok, Snapchat, Twitch, Reddit, Youtube, Facebook, Twitter. They all have Playboy stuff on them. Kids in middle and highschool know what Playboy is but will likely never see or touch one of the magazines in person. They’ll have a Playboy hoodie though. Crazy huh? A lot like GME, PLBY would hugely benefit from meme-value stock interest to drive engagement towards their new business model while also building strategic coffers. This interest may not directly and/or significantly move the stock price but can generate significant interest from larger players who will.
Bull Case: The year is 2025. Playboy is now the world leader pleasure brand. They began by offering Playboy licensed gaming products, including gambling products, direct to consumers through existing names. By 2022, demand has skyrocketed and Playboy has designed and released their own gambling platforms. In 2025, they are also a leading cannabis brand in the United States and Canada with proprietary strains and products geared towards sexual wellness. Cannabis was legalized in the US in 2023 when President Biden got glaucoma but had success with cannabis treatment. He personally pushes for cannabis legalization as he steps out of office after his first term. Playboy has also grown their brand in China and India to multi-billion per year markets. The stock goes up from 11ish to 100ish and everyone makes big gains buying somewhere along the way.
Bear Case: The United States does a complete 180 on marijuana and gambling. President Biden overdoses on marijuana in the Lincoln bedroom when his FDs go tits up and he loses a ton of money in his sports book app after the Fighting Blue Hens narrowly lose the National Championship to Bama. Playboy is unable to expand their cannabis and gambling brands but still does well with their worldwide lifestyle brand. They gain and lose some interest in China and India but the markets are too large to ignore them completely. The stock goes up from 11ish to 13ish and everyone makes 15-20% gains.
TL;DR: Successful technology/e-commerce investment firm took over Playboy to turn it into a porn, online gambling/gaming, sports book, cannabis company, worldwide lifestyle brand that promotes sexual wellness, vetern access, women-ownership, minority-ownership, and “pleasure for all”. Does a successful online team reinventing an antiquated physical copy giant sound familiar? No options yet, shares only for now. $11.38 per share at time of writing. My guess? $20 by the end of February. $50 by EOY. This is not financial advice. I am not qualified to give financial advice. I’m just sayin’ I would personally use a Playboy sports book app while smoking a Playboy strain specific joint and it would be cool if they did that. Do your own research. You’d probably want to start here:
WARNING - POTENTIALLY NSFW - SEXY MODELS AHEAD - no actual nudity though
https://s26.q4cdn.com/895475556/files/doc_presentations/Playboy-Craig-Hallum-Conference-Investor-Presentation-11_17_20-compressed.pdf
Or here:
https://www.mcacquisition.com/investor-relations/default.aspx
Jimmy Chill: “Get into any SPAC at $10 or $11 and you are going to make money.”
STL;DR: Buy MCAC. MCAC > PLBY couple weeks. Rocketship. Moon.
Position: 5000 shares. I will buy short, medium, and long-dated calls once available.

Google Play Fake Reviews: Why is Google allowing this?

I've stopped purchasing on the Playstore and I stay away from it now because

Google Play allows app developers to pay people to leave positive reviews (developers use Micro Jobs to do this. Despite it being against their policy.

How do I know this? Because I used to do Micro Jobs 6 odd years ago when I was bored at home..there are a LOT of micro jobs for leaving fake reviews. How it works? Theres a big list of jobs you can choose to do, IE proof read this article, download this app and come back and tell me in 120 words what you think, leave comments on selected YouTube videos, upvote YouTube videos, download an app from the Playstore and leave a 5 star reviews that says "X=Y", go to this website and click this link...ect.

Google Play is allowing tons and tons off apps that are potentially dangerous to the user or are known to be dangerous to the user multimine

check out the reviews, again inundated with fake 5 star reviews and not a single real review about the app actually paying out, so what is the app collecting and sending from your phone? The developmers have the same tactic which you can see in the reviews. They pretend that you're mining ETH/BTC and not a single real person has gotten paid and the BTC that people do mine, it disappears all the time so people cannot get enough to withdraw, it's all wirtten in black and white in the reviews.
Pi Network
this has been proven time and time again to be a scam , just have a look through reddit
World News: Breaking News, All in One Feed Reader
This app developer is extremely dodgy and rude ( I've got an email trail with him). His app has gambling links in it and when you open the app a full screen ads pops up advertising his gambling website, without being able to get rid of it till its done. It is a paid app that has no ads. But it does ;) he specifically makes sure there isn't ads in this version because it's the paid version. The free has ads...but* now he's changed his Playstore app page to 'contains ads'. It doesn't contain ads from his AdSense account..he uses his own in app ads (code) to advertise his gambling website to everyone from kids up. The website is also a legitimate scam. ( I've written to Google extensively about this guy and forwarded our emails to Google as well as all the proof, Google said they'd look into it and months later they struck his app down, but only the paid one..then a few days later, he's got his app back up. He just needed to change a few backend code to comply with Google....thing is, he hasn't changed anything! His full screen ad to his scam gambling website are still all there. And who knows what his apps even sniffing out*
PHT cloud earning
This one is a scam that's collecting your data and promising kids a rich future in their fake crypto currency
Fair Go Pokies online
This is an actual gambling app that's rated for 3 year olds. I have reported it many times for months, other people have aswel, yet Google seem think Gambling apps are fine for 3+ year olds, Google have been informed about this but Google WILL NOT enforce their own policies on its developmers which is harming kids and our privacy
This is just a few off the top of my head. All these apps have extremely concerning reviews. Also all the positive reviews are all extremely fake.
How do I know they're fake? Well like I said earlier, I used to do Micro Jobs and it's full of jobs asking to leave positive reviews on their Google Play store app. If you have a look at the positive reviews in every single one of the apps I posted, you will see that all the positive reviews are exactly the same (minus a few purposefully placed grammatical and spelling errors), all say the exact same thing pretty much and look how people post the same emojis along with very similar, almost word for word reviews.
I've reported the reviews many times on these apps. And none of the obvious fake reviews have ever been removed. I believe Google to have given up on the Playstore all together. There is like 80/20 of apps that are very suspicious or are definitely fake and scans 80% Then there's 20% of real apps.
I have checked a lot of the developers out over the course of my research into this and found that most 90+% of these apps come from Asia, specifically India. Nothing against India the country, but the people are absolutely appallingly when it comes to scams. We all know that Indians are the biggest scammers, so why isn't Google doing anything about these apps? And why isn't Google doing anything about the massive amount of Indian scammers on their Playstore, let alone all the other people who are posting useless apps that aren't tested. Google is more interested in bringing in the developer fees rather than the community who buys the apps.
Most of the kids games are literal gambling apps by definition. All these free games that are not games, but money printing machines for the Devs. Put out a free app and then make it near impossible to continue after level 10 unless you pay massive prices for coins and such. Today's kids are having their gaming experience ruined by greed and their childhoods taken away from them unless they pay to progress. Do I think kids should just play games all day? No, I believe they should play outside and explore the dirt. But as a gamer myself, I believe kids should be allowed to spend hours playing video games too. When I was a kid, I'd play donkey Kong country for hrs and no paywalls to continu
I used to run my own online business a few years ago now and I used to market through Google ads, this opened me up to a magnitude of scams from Indians. Every single day I could guarantee I would have one cold call me, claiming to work for Google, wanting me to sign up through their marketing platform. Which kind you again, they claim they're working with Google.
1 of those calls was an actual person working for Google... Well actually he didn't work for Google, although his email signature says he does, he says he does and his company says they do. However, they are working contracted to Google. What they really are is just a call centre in India, that Google has outsourced their Adsense to. I confirmed he was a 'google partner' by checking out his partner id against Google's partner id check.( this is just way of saying they're a telemarketer that's contracted by Google to bring in sales to their Adsense.)
This guy wouldn't leave me alone, called me 3 times a day to try get me to put more money into my marketing, then he wanted to take over my account so he could manage it...this guy was full on trying to rob me of every cent I had. (He didn't get anything)
Every day/week the Playstore top 10 is the exact same apps. Intact they really haven't changed in a couple years. Google's Editors favourite apps, is always only ever the same apps that have paid to be Google's Editors favourite.
I left apple 8 years ago for Android...loved it! But today I feel like my expensive phone is an expensive spam farm because Google have drop the ball. I feel I miss apples clean look and lack of rubbish. Their app store is dynamically changing. I don't want to go back to apple cause their phones suck..but I'd rather an iPhone right now than be inundated with rubbish apps and nothing but fake review after fake review.
Google doesnt care about the Playstore and that's evident by my evidence in this post.
Google has allowed for almost a year now, for this one specific Gambling app aimed at kids, to exist on their store. The store is full of apps that are completely useless and apps that are so bad, they shouldn't have even been able to make it on to the playstore.
Just look at this what sort of app store is this when it allows crap like this.
Why am I writing this?
Because I'm done working for free for Google, doing a job they should be doing. But nothing I do changes anything, no matter how much you report, Google doesn't do anything. So I'm hoping maybe someone will see this and sort this shit out. Why not even have an algorithm that flags an app as a potential risk automatically when it's received X amount of 3 and blow star reviews ÷ the amount of downloads. When an all flags, you can check it out, this would solve the mass amounts of reports because you won't be having to sift through them, you'll just need to check the app out that's got flagged.
I know this is super long, it's so long that I cbf writing a TLDR because I believe it needs to be read as a whole.
And fix the top apps..how is there two QR readers in the top 8? How TF is Australia Post app in the top 20?
And Service NSW #1? 🤣
how TF is this even in the top 50 when it's rating is 1.8 stars
Why arent apps like these ones in the top ever? fuel meter
Motion Ninja
My Budget Book
Soul Browser
Pulse Messenger
Simpan
Easy Join
aCalander

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How To Handle Finances for the New (and Existing) exJW

During my time in the borg, I have met far too many witnesses that have absolutely no grasp on their finances. It's especially sad to see in older and elderly witnesses. Many of them have to rely on the generosity of other witnesses and government help to get by. But you can't really blame them! We are taught to put the meetings and the preaching work above all else. We are even told to quit our jobs if they don't give us meeting or assembly days off. On top of that, many of these witnesses are planning their lives and finances around the idea of "the world could end tomorrow", so what good are material things?
As you leave the organization and learn the truth about the truth, you've probably come to the realization that no, the world is not going to end tomorrow. You have your whole life ahead of you! But that also means you need to prepare for your future, your grand plans, and your retirement. I've read many posts here from young exJWs and new exJWs that feel lost when they leave and are worried about providing for themselves after getting shunned by everyone they know and losing their entire support network. Well I believe that the best way to take control of your life is by taking control of your finances first! After all, you will just be faced with a mountain of stress if you aren’t able to maintain yourself and achieve your dreams in the world. You might even consider doing the unthinkable… Going back 0_0
Since leaving the Borg, I have gotten my bachelor's degree in finance. After trying out several different positions and companies, I now own my own Capital Management company. In short, I provide financial analysis services and advice for individuals and companies, as well as manage various investment portfolios. I figured why not help how I can? While this post is primarily targeted towards those just leaving or planning to leave, I hope everyone can find this advice helpful as you prepare for your bright future outside the Borg. I'm going to start with the very basics and work our way up. This is going to be very long, but I promise I'll try to make it entertaining and relevant to the exJW.
But first, legal disclaimer time - Don't sue me bro. I'm not a financial advisor. This is not financial advice. Do your own research. Don't YOLO Tesla Puts. Don't leave your inheritance to the Borg.
With that out of the way, lets dive in.
**1. Open a bank account! **
This seems very basic, but it is the most critical step to begin your path to financial freedom. I know many younger people may have relied on their parents to “hold” their money or had a joint account with a parent, but it’s time to control your own money. Don't just stuff money under your mattress or in your sock. At the bank of your choice, open both a checking account and a savings account. My advice for a checking account is Wells Fargo; they have branches across the US, as well as many thousands of ATMs all over the place. It's helpful to be able to easily get to a branch to talk to a human when you need help with your account. For savings accounts, my recommendation is Ally Bank. This is a fully online bank, so no branches, but thanks to that they typically have among the highest interest rates of the industry. They also have the highest rated customer service for a bank. You call them up, wait for a couple minutes, and you're talking to a human - no more yelling at a robot when you need help with your account.
Earning interest on your money is important because otherwise you are literally losing money thanks to a little thing called inflation. Briefly, this means that the value of $1 (or whatever your local currency) goes down over time. Typically in the US, it's around 2% per year. Over your whole lifetime of not dying in a fiery Armageddon, that's a whole lot of percents. Interest rates don't always match inflation for a few complex reasons, but Ally will usually pay you 1-2% a year on your money. That's better than 0% on the money under your mattress.
Most companies offer direct deposit for your paycheck so your money can go directly into your account rather than having to deal with checks, plus its free unlike cashing checks. Having a bank account also makes it easier to pay all your bills, and holy sh*t will you have bills when you're independent. But we'll get to that later.
On top of paying you interest and keeping your money safe, a huge reason to have and use a bank account is that you will always know exactly how much money you have, how much money you spend, and where your money went. This brings me to the next point...
**2. Make a budget! **
The next step to your financial Independence is making a budget to see how much money goes in and out of your account on a monthly basis. I recommend using the free Mint app by Quicken. This lets you link all your bank accounts, credit cards, investment accounts, and large assets in one place to keep track of everything. They also have a budget function where you can type in what you want to budget for every category, and they will automatically keep track of how you're doing every month.
Once you know how much money is going out every month, you know how much needs to come in. If more money is going out than is coming in, or you need to increase your savings, then you need to...
**3. Trim the fat off your budget! **
Pretty much all of us are guilty of spending more than we should. I mean we're accustomed to getting our Starbucks coffee right after the service group, going to our favorite return visit - the donut shop, stopping for lunch with the friends after knocking on 2 doors, and donating to global pedophile ring... But I digress. Now it's time to trim the fat! Any unnecessary expenses need to go in order to succeed in your final future. Now that you have a budget, you'll actually be able to tell what you can cut down on.
If you are spending $100+ on Starbuck coffee, cut that sh*t out! I don't care how many stars you're earning. Buy yourself a $10 drip coffee maker or a $20 stovetop espresso maker (even though its more work, I prefer the espresso maker). Then buy a bag of your favorite ground coffee, some milk or half and half, and a sh*t ton of sugar. Want to play barista in your own home? Buy some flavored coffee syrups to add to your coffee. You'll be able to recreate your Starbucks coffee flavored sugar beverage for a fraction of the cost. Usually under $1. You can even misspell your name on your cup for a more authentic experience.
Fairly universal expenses are Food, rent, and utilities. But even these can be cut down on.
For food, you might be tempted to go out and eat, get some fast food, or some takeout. Maybe even just survive off meals from the frozen aisle. These are the easiest options. But you will quickly rack up a significant food bill over the course of the month. Instead, try your hand at cooking! Start easy with some pasta. $1.50 for a box of pasta, and $2.50 for a jar of sauce. The ratio I use is 1 box of pasta to 1/2 a jar of sauce. This leaves my pasta with plenty of flavor and color but not a huge pool of sauce in my bowl. To cook - boil & salt water, throw pasta in for 10 minutes, drain, add sauce, mix, done! (*Instructions unclear, got baptized into a cult*). For this $2.75 you should end up with 3-4 servings of food (Less than $1 each!). Toss the leftovers in some Tupperware and you have your lunch for work and another dinner! My advice is to look up your favorite recipes online and just practice. You will very quickly learn how to make lots of great food and significantly cut down on your food budget. I just learned how to make Nigerian Jollof rice by reading recipes online! Another way to cut down on food expenses, BUY THE STORE BRAND!!!! There is absolutely no reason to buy name brand foods IMO. Kroger is my favorite, but Great Value and Market Pantry are just as good. You can also buy the off brands. Fruity pebbles and Dyno bites? Same sh*t.
For rent and utilities, get a roommate! By getting a roommate you can cut your rent in half. If getting a roommate isn't an option, then try looking for another smaller or cheaper apartment. If that's not an option, then go the opposite direction and find a bigger apartment with a roommate! Getting a roommate is the most effective way to cut down on your rent expense. Sure, it may be awkward at first to live with someone else, but your wallet will thank you and you may even make a friend! We all know those are in short supply when you leave the Borg...
Subscriptions are the biggest killer of any budget. They leach off your bank account every single month like a cancer. For years I subscribed to the gentleman’s box to get my tie and colorful socks of the month to rock at the meetings. But after leaving, I can count on one hand how many times I've worn a suit. Now I have a closet full of ties and a drawer full of socks and nowhere to wear them. Subscriptions have got to go!
After having watched years of the broadcast (*cough* propaganda *cough*), you may now be tempted to subscribe to every streaming service you can find to fill your brain with meaningless worldly TV. But don't overdo it! You don't need Netflix, Hulu, HBO, AND Disney+. Pick your favorite streaming service with the most shows you like to watch, and stick with that one for a while. You can only watch one thing at a time after all. Once you get bored with it, cancel it, and try another one. You can cancel these and restart them at any time, and for the most part the content isn't going anywhere. There’s also YouTube, which is free. There is a mind-blowing amount of professionally made content on YouTube completely free, I guarantee you will find channels and shows you like watching. Sure, there's commercials, but that just gives you time to look at a couple memes on exjwhumor.
These are just some basic suggestions for how to cut out or reduce some large expenses. If you want to dive deeper in to saving even in the small places in your budget, you should explore some ideas of a frugal lifestyle. I find it kind of fun seeing everywhere you can save money by adding just a small amount of effort. Over time, these small efforts can really start to add up to some serious savings.
Once you cut down on your expenses, you should have a nice jingle in your pocket left over at the end of every month. **Don't forget to treat yourself! ** I'm not telling you to buy a jet ski or the newest iPhone with your extra money. In fact, you should be saving most of that extra money! (But we'll get to that next). You have just gotten out of a long-term toxic relationship and you need to take care of yourself. Give yourself a nice little discretionary budget every month to do whatever you want to do with it. If you like getting a manicure or pedicure (fellas, you don't know what you're missing out on), treat yourself! If you want to go get an ice cream or some dessert, treat yourself! Want to buy that video game that you have been dying to play? Treat yourself! If possible for your budget situation, try to give yourself $100 a month (or whatever you can) to do something you want to do.
**4. Start an emergency fund! **
The current pandemic and economic crisis show better than anything why you need to have an emergency fund. One day to the next you could be out of work, of you could have your hours cut, or you could fall ill and not be able to work. The average American can't afford a $500 emergency, and I don't want that to be you now that you don't have your support network anymore. Your emergency fund should be in its own high interest savings account. You want it to be easily accessible for when you need it, but not so easy that you might use it when you see a top at H&M that you just can't live without.
The rule of thumb is to keep 6 months worth of expenses, though having more doesn't hurt. Set your own goal based on what you think you need. The Mint app can also help you set and track a savings goal. On your budget, look at your monthly expenses and multiply x 6. This number may seem daunting at first, but remember that you don't need to get it all at once. Take your time and plan it based on your budget. Now that you have trimmed the fat off your budget, you might have some leftover money burning a hole in your pocket. But don't succumb to the temptation to spend! At the end of the month (or the end of the pay period), move all your leftover money into your emergency fund! No matter how big or small, contribute to your emergency fund every month.
But now that you have this pile of money staring at you in your bank account, you're going to need to set yourself some ground rules. Limit yourself on what you can spend this money on. Don't break open this piggy bank just because its Prime day and everything on your wish list is on sale, or because Gabe Newell decided to put an 80% discount on all your favorite Steam games. This is an EMERGENCY fund! Use it when your car gets a flat tire and you can't afford to fix it. Use it when you get an unexpected medical bill you can't pay. And of course, use it if you're laid off or can't work.
**5. Get a credit card and build credit! **
Getting a credit card may seem counter intuitive because you're taking out debt, but that's not really what it means. When you buy things on a credit card, after you get your statement at the end of the billing cycle you get a whole month to pay it interest free. *whispers* It's free money. The key is PAY OFF YOUR CREDIT CARDS! The interest rates on credit cards are f*cking painful, don't do that to yourself. If you're carrying a credit card balance, then pay that sh*t off as fast as you can or it will snowball into a nightmare.
When you get a credit card, they check your credit. If you have no credit history, it’s kind of hard to get a credit card but not impossible. However, it is nearly impossible to get any other type of loan, at least at any reasonable interest rate. This will especially hurt when you are trying to buy a house in the future. However, once you get a credit card, they will start reporting your credit usage every month to the credit bureaus which will start to build your credit history. Remember how you thought you would no longer get graded on anything when you left school? Guess what! You get graded on how well you can manage your debt. If your balance stays reasonable and you pay off your balance when its due, your credit score will go up. If you max out your cards, and let the balance roll, your credit score will go down.
Download Credit Karma, type in your info, and check out your credit score for free. It even updates every 7 days so you can keep track of how you’re doing. If you have absolutely zero credit history, it may not work right away. But that doesn't mean it won't work or that you can't get a credit card. It is very very very important to know your credit score and to keep it high because banks will judge you based on your credit score the minute you walk through the door. Remember how worldlies looked in jeans and a T-Shirt the first time they came to a meeting? That’s how a bank will see you with your sh*tty credit score. You gotta pump those numbers up!
Discover bank is a great credit card provider for starter cards. But you can google "started cards" and find tons of lists of different starter cards. If this is your first credit card, just spam applications until you get approved for one. Pay attention to your credit limit. A pretty standard limit is for your first card is $1,000. You may look at that and think "Cool! I always wanted to buy those sweet pinky rings the GB wear!" WRONG! Use your credit responsibly. Ideally you want to keep your credit usage under 30% of your limit. At $1000 this would be $300. But always remember to only spend what you can actually pay off when the bill comes due. Follow your budget!
Once you get your first card and manage your credit nicely, you should try applying for cards once a year. Pick a month where you will apply to several credit cards to expand your access to credit. For me this is the month of November. I will usually apply to 3 credit cards I've thoroughly researched. Focus on credit cards with no fees. There is absolutely no reason you should be paying an annual fee on a credit card when there are so many free ones out there. Also look for cash back cards. It means you will earn money just by spending money. *whispers* It's free money. Even if I get approved for all 3 credit cards, I won't use them. I'll just throw these somewhere super safe like my underwear drawer. If one of your new cards gives you a significantly higher credit limit, or gives you lots of cash back, then start using that as your primary and put the rest somewhere safe. Effectively, you are raising your credit limit every year while (hopefully) keeping your expenses the same. On your credit report it will look like you have access to a huge amount of money, but use a smaller and smaller portion of it. It will make you look responsible and in turn raise your credit score over time. Now when you walk into a bank, they'll look at you like you would look at the visiting speaker from South America when they walked into the kingdom hall. Banks may even take you out to eat after (with all that cash back they give you).
As you move through your life, it is very important to have a good credit score. That is what will allow you to get a good rate on a car loan (I don't recommend that, but that’s a story for another day), and also get a good rate on a mortgage when you buy a house. Debt isn't always a bad thing as long as you know how to manage it well.
**6. Make a Career Move! **
This may seem like a crazy option, but it serves a great purpose. If you are stuck in a dead-end job, if you don't make the kind of money you want to be making, or you don't see making a career out of your job, then its time to switch jobs! We have been told to avoid higher education our whole lives but that just forces us in to sh*t dead end jobs dreaming about how wonderful paradise will be instead of going out and grabbing life by the horns. Invest in yourself! Invest in your knowledge! Quarantine lock down is the perfect time to do that, and it doesn't look like its wrapping up anytime soon. Personally, I'm taking online classes to become a Real Estate Broker. This will let me expand what I am able to do with my company and increase my income. These classes were only $800, compared to going to college for 4 years to the tune of $20k+ per year. If you have some savings, use that to invest in yourself! If you want to change to a different career path, then look into what you need to do to make the move. Look for online courses or trade school if you don't want to go to college years or incur lots of debt.
Here's some examples of careers that don't take a lot of education but can take your income to the next level:
*Real Estate Agent or Broker
*Plumber
*Computer Technician
*Programmer
*Electrician
*Electric Pole Climber
*Mechanic
The world is full of options. Now that you aren't committed to studying for 2 meetings a week, attending 2 meetings every week, reading the bible every day, personal study, family study, monthly broadcast, and service on your off days, you should have much more free time to invest in yourself. Take advantage of that and move up in the world! Do what you never could have while drinking the Kool aid.
**7. Side Hustle! **
A great way to increase your income is to take on a side hustle. There are so many you can do (just google side hustles), but some of the easiest to get in to are being a food delivery driver. This is especially good business right now during the pandemic with everyone staying home. Sign up with Doordash, Postmates, Uber Eats, InstaCart, or any other delivery service you can. After gas and maintenance, you will typically earn an average hourly rate of $10-$15. Sometimes more. Like I mentioned in the last point, you should have a lot more free time to yourself now that you are not drinking the Kool aid. Why not take advantage of that time to make more money?
If your primary income covers all your expenses, you can use all your side hustle income towards your emergency fund, general savings, or investing. Personally, I use all my side hustle income towards increasing my investment accounts. Rather than making $10 an hour, in the long run you can turn that money into much much more by investing it.
**8. Start Investing! (Retirement Accounts) **
Now we're getting to the good stuff. Now that you have a bank account, a budget, and an emergency fund, it's time to start thinking about your future. The world isn't going to end in our lifetimes, although 2020 looks pretty dicey so who knows. You are going to want to stop working one day in your old age and relying on government cheese doesn’t give you too much freedom. This is where retirement accounts come in. The two primary types of retirement accounts are an IRA (Individual Retirement Account) and a 401k (four-oh-one-khay). The main difference is that an IRA is self directed, ie. you fully manage the account, and a 401k is employer directed, ie. your employer or benefit provider manages the account.
Let's start with a 401k. Most companies where you would have a career offer a 401k as part of your benefit package. The Benefit part of this package is that your employer will give you free money!!!! Kinda. Back in the olden days of the pre-1980s, a company would pay you a salary, called a pension, when you retired at 60ish as a thank you for your loyalty and career with that company. Then in 1978, 401ks became a thing and employers realized they didn't have to treat you like a human and reward your loyalty anymore. Instead, most employers will match your 401k contributions. It varies by company, but an example is that if you put 6% of your salary into your 401k, your employer will match your contribution adding another 6%. They may match it in full or in part, again it all depends on the company rules. But in some cases this could double how much money goes in to your retirement account just by using this one easy trick. The key to a 401k is that the money has to come directly out of your paycheck, you can't go back and add more later. But this can be a benefit; if you never had that money in your bank account to spend on a pair of Yeezys, it’s almost like you never earned it so you won't miss it. Plus, when you finally do get access to that money in retirement, it will be worth more and you'll be able to buy even more pairs of Yeezys!
On the other hand, with an IRA you can add however much you want, whenever you want, up to the legal limit. The current IRA contribution limit in 2020 is $6,000 per year. There are some tricky ways you can get around that but I won't get in to that here. Just google "backdoor Roth IRA" if you plan on contributing more than $6,000 a year. With an IRA, you get to choose the provider, you get to chose what you invest in, and you get to chose when and how much to invest. If you’re young, a high stock (high risk, high return) and low bond (low risk, low return) mix is best for your retirement account. You can afford more risk since you have more time to recover. However, as you get older you will want to slowly reduce how much you have in stocks and increase how much you have in bonds. The older you get, the more your risk tolerance goes down.
Now let’s talk Roth. To Roth or not to Roth? Well that depends. If you're under 59, you get charged penalties to access your IRA, or 55 for your 401k. In other words, you aren't supposed to access these accounts till you are (close to) retirement age. When you contribute money to a traditional IRA or Traditional 401k, you are contributing pre-tax money. You won't pay taxes on that money until you take it out at retirement age. The issue with that is that hopefully, that money will be worth a sh*t ton more when you retire than when you put it in. You'll be paying taxes on a bigger pile of money! Thats where a Roth IRA and Roth 401k come in. With a Roth account, you are contributing Post-tax money, or money you already paid taxes on. When you go to take the money out in retirement, its tax free! And everything you do in those accounts is tax free! My personal recommendation would be to go with a Roth account, especially if you are young. We all know to "Give to Caesar what is Caesars" (or whatever the f*ck that book says, I never read it), but you want to give Caesar as little as possible so you end up with more money in your pocket.
The best thing you can do for your future is invest in your retirement. You don't want to be working at 70 just to make ends meet. Future you will thank you.
**9. Start Investing! (Personal Accounts) **
Personal Investing! This is investing with (almost) no restrictions! When you invest into non-retirement accounts, you will be able to access this money whenever you want and do whatever you want with it. Almost. Don't buy drugs. Unless you're into that… When I'm talking about investing in this section, I'm talking about stock market investing. The best way to grow your wealth long term is by investing your money. When you invest, your money starts making you money. So even though you work the same amount, and get paid the same amount, by investing your money you are making more money because your money starts working for you. In general, you should be investing for the long term. This is for a couple of reasons - 1. you're more likely to make money over the long term than the short term, and 2. you'll pay less taxes on what you earn in the long term than the short term. Long term would be anything more than a year. Sure, you can go on to WallStreetBets and see people making a killing by day trading, but you can find far more people losing their asses day trading. I’m going to focus on long term strategies.
When you invest, there are 2 main strategies - Growth, or Income. Growth investing is if you want your money to grow at a good rate over time. Your $100 today will be worth $150 tomorrow (Not really that quick, but you get the point). The stock price itself will go up, so when you sell it in the future it will be worth more. Good long-term growth stocks would be Apple, Amazon, Coca Cola, and other large established companies. I would say Tesla, but who knows what the f*ck is going on with Tesla stock. One tweet from Elon can wipe out your investment or double your money. Income investing is if you are trying to get a second source of income. This is through stocks that pay dividends - once every 3 months they will pay their shareholders a piece of the profit they have made. This is straight up cash deposited into your investment account just for owning certain stocks. You can either reinvest this money to grow your investments, or you can deposit it into your bank account and use it. If you're young, the best thing to do is focus on growth and reinvest any dividends you get. Either strategy you choose, you can be making much larger returns on your money than you would on a bank account or by not investing. Investing is magic. Though they won't admit it, even the Borg has sizeable investment accounts to grow their money. Yes, they rely on the world that they condemn so much. As those CSA cases get more expensive, they need more money with which to pay them. The Mormon church has over $100 billion invested, one of the largest investment funds in the world. Investing is the smart thing to do with your money.
So while the people living "the best life ever" are dreaming about where they want to travel in paradise, you can use your growth or dividends to actually go there. The more you cut your expenses, the more you can afford to invest. The more you invest, the more money you will make in the long term. If you invest enough, you can even generate a completely independent source of income from your job which will go a long way in granting you financial freedom. My goal is to invest at least 50% of my income, but currently I'm at 20%. Try to invest as much as you can. Future you will thank you.
The way you choose to invest will fully depend on your comfort level with investing and your investing budget. Yes, you should have an investing budget.
Let’s say your comfort level is zero and/or your budget is very small. Then I would recommend Acorns. Acorns is a round up or spare change investing app. You link your credit cards and bank accounts, and every time you spend, it will round up your purchase and invest that. Say you buy a pastry for $1.75, Acorns will pull $0.25 out of your account and invest it, bringing your total to $2. You can choose from conservative through aggressive portfolios. If you are young, I would recommend you lean more towards aggressive investing. There is more risk involved, but you can also make much more money than a conservative portfolio. If you are young, you can afford some down days in the market. The one issue I have with acorns is that they charge a $1 a month fee, though this is very low.
If you are more comfortable with investing, have a larger budget, but still want a hands-off approach, then I would recommend M1 Finance. This is a portfolio-based investment platform where you pick what stocks you want to invest in, pick how much you want to invest in each based on percentages, and M1 will handle the rest. They have a minimum investment of $100 to open your account, then only $10 each time you invest every time after. For long term growth, I would recommend doing a portfolio with 50% allocation of SPY (S&P 500 Index tracking fund, tracks the largest 500 stocks on the US Stock market), and 50% other stocks you like. Follow the Warren Buffet investment method. Like Coca Cola? Invest in Coca Cola. Like Target? Invest in Target. If you like something, chances are that other people like them too and the stock will keep growing. Every time you add money to your account, M1 will automatically invest it in the allocation you chose. If you chose 50% SPY, 25% Coca Cola, and 25% Target, when you add $10 M1 will buy $5 worth of SPY stock, $2.5 worth of Coca Cola stock, and $2.5 worth of Target stock. This is a great option if you want easy investing, and its completely free.
Now if you're more advanced and comfortable fully running and managing your portfolio, then I would recommend Robinhood. With Robinhood, there are no minimums, and you can buy fractional shares. But you are fully in control of exactly where your money goes when you invest it. You want to buy 10 shares of Coca Cola? Then you click on KO, click buy, type in 10 shares, and boom, you own 10 shares. Robinhood even lets you trade options, but this is effectively just gambling on the stock market and I don't recommend it. Robinhood is also completely free and is a great and easy to use full-service investment platform.
I recommend these because I use all of them myself. I won't include my referral links on this post, but if you want to get some free stuff when you sign up for any of them just PM me which ones you want and I'll send you a referral. With a referral link you can get some free money or free stocks.
Invest your money! It will take you a long way towards your independence from the borg!
**10. Invest in Real Estate! **
Now we're getting really crazy. Though it may not be as crazy as it sounds. I won't go in to too much depth in this since there is so much information.
Real estate is by definition a long-term investment. It is highly illiquid, meaning you can't quickly turn your investment in to cash, but the beauty of real estate is that you can earn a wonderful income off of it. The easiest way to invest in real estate is by investing in REITs, or Real Estate Investment Trusts. These are portfolios managed by companies backed by real estate assets that generate a regular income, usually on a monthly basis. REITs are required by law to pay out 90% of their profits to shareholders. There are publicly traded REITs on the stock market you can invest in (Ticker Symbols - O, BPY, IVR, WPG, PEI, and many more). While the barrier to entry on these is very low (you can buy just one share at a time), and they have higher liquidity, they carry a lot more risk because their price moves with the stock market rather than based on the underlying real estate they own. They do still pay very nice dividends which can supplement your income.
The way that I would recommend investing in real estate would be through Fundrise. They have a minimum investment of $500 to open your account, and $100 minimum investment every time after. Since this is a private REIT, the prices remain stable even if the market is fluctuating like crazy. Personally, my Fundrise investment account is the only one that didn't lose money during the 2020 economic crisis. Plus they pay out very nice dividends, and the real estate assets appreciate nicely. Again, this is a LONG TERM investment. Don't expect to invest today and pull your cash out 6 months from now. Ideally you want to keep this money invested for years. If you want an income, you can set your dividends to deposit into your bank account, or if you want to grow your investment you can set dividends to be reinvested.
Investing in REITs is a great way to get started with real estate investing. Real estate is a "get rich slow" scheme. It may take a very long time for your investments to grow, but they will see very long-term stable growth. If the Borg is nothing else, it is a massive global real estate holding company. They own all the kingdom halls which are essentially big commercial buildings with empty interiors. They have great resale value, and since many of them were built and maintained with free labor, they have appreciated tremendously. So take a book out of the Borgs secret playbook and invest in real estate.
**11. Buy a House! **
This seems like its way out of reach to many people but it's really not. Owning a house is the single biggest indicator of wether a family will accumulate wealth or not. For most homeowning families, their house is their single biggest asset. Real estate has historically always appreciated, so when you go to sell your house or pass it down your house to your children, it will be worth more than when you bought it. Sometimes a lot more. I won't go into a huge amount of detail because again, there is a lot of information.
Once again, real estate is a very long-term asset. So make sure that you are ready to buy a house. Take your time, do your research, and find the right house. Thanks to the magic of leverage by using a mortgage, you only need to put 3% down to buy a house. While this will definitely mean you will have a higher interest rate, it also makes buying a house much more accessible. Say you want to buy a $300k house, the minimum you would have to put down is $9,000! Traditionally you would put down 20% on a house which in this case would be $60k. Always go with a 30 year mortgage, cuz math and numbers; don't do a 15 year mortgage. Yes, it is very daunting that you will be paying for your house for 30 years, but think about it this way - if you're not paying a mortgage, you're going to be paying rent for a place to live. When you pay rent, you are essentially throwing money out the window never to be seen again. When you pay a mortgage, a portion of your monthly payment goes towards equity in your house. You are buying a piece of your house every month, not just throwing money out the window.
When you pay rent, you are paying your landlords mortgage + profit that goes into their pocket. You are the one buying your landlords house for them. When you are paying a mortgage, you are paying interest on your loan + equity in your house (the balance of the loan). You are effectively paying yourself when you pay the balance of the loan because that piece of equity in your house is now yours to keep. You may even find that your mortgage payments are lower than your rent. In my case, I went from renting a 3 bedroom 2 bath apartment to paying a mortgage on a 4 bedroom 2 bath house and my monthly payments went down by over $500!! That's an extra $500 in my pocket every month to do as I please with (like invest it).
Additionally, you can buy more houses and rent them out! Then you become the landlord, and your tenants are the ones buying your house for you. That is the magic of real estate investing. If you want to learn more about mortgages or real estate investing, just watch some Graham Stephan videos on YouTube.
When you're young, buying a house might not be at the front of your mind or in your near-term plans. But you should absolutely plan on buying a house as soon as you have the credit (remember I told you why you need credit?) and the money for it. Buying a nice car might seem like a better use of your thousands or tens of thousands of dollars instead of buying a house. But how much is that car going to be worth in 10 years? Chances are it will have almost no resale value left. It will also be way out of style and may not even run well anymore. But if you put that money down on a house? You will own an appreciating asset (an asset that goes up in value) that you can sell down the road and get your money back.
**Closing Thoughts**
YOU ARE FREE! You have made the biggest step towards having a great life already by leaving the organization. Things may seem very overwhelming right now that you are stepping out from behind the curtain and looking at the real world for the first time. But don't panic! It gets better, I promise you. Me and many thousands of others on exJW can tell you that though stressful, leaving was the best decision we have made in our lives. I hope all this information will help you make some better informed decisions on how to financially prepare yourself to step in to the world. We have all been told that it is too difficult out in the world and that we will never make it, but I'm here to tell you that you can and you will! Focus on yourself, take care of yourself, and enjoy your freedom! :)

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Slotastic Casino Free Bonus & Review
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Slotastic Casino Full Review

As the brand name itself indicates, Slotastic is an online casino with a central focus on slots. Despite this, the website offers some gaming variety as its library also features a number of table games, video poker, and casino specialties.
This is a RealTime Gaming-powered casino that welcomes customers from all over the world, including the United States. The casino’s About Us page tells us Slotastic appeals to a motley customer base, consisting of more than 1 million registered players since its launch in December 2009.
The casino is home to more than 300 games available for play on desktop computers via its download platform. There is also a native Android app while iPhone users can access Slotastic in their browsers. Slotastic grabs the attention with a flashy yet organized lobby and an intuitive cashier that supports some of the most common banking methods in the world, such as Visa, Skrill, and Neteller. Similarly to other US-friendly gambling sites, this one, too, allows for payments via cryptocurrencies like Bitcoin and Litecoin.
The casino maintains the interest of its players by providing them with a great variety of promotions and bonuses, including several welcome offers. Let’s dive deeper into the bonuses awaiting new Slotastic players.
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Slotastic Bonuses and Promotions

Slotastic poses as a great online gambling destination for bonus seekers who insist on having a wide choice of limited-time and ongoing promotions. These include free spins on exclusive slots, instant cashbacks, bonus matches on deposits, and a great loyalty scheme.
New customers can make a pick from three different welcome bonuses. The first offer is geared toward the preferences of slot buffs. It consists of 117 free spins on RealTime Gaming’s classic Bubble Bubble.
This bonus is awarded for deposits of at least $25 with the promo code BUBBLETASTIC. It appealed to us because there are no restrictions on the maximum winnings you can cash out. However, you need to wager the winnings amount at least 10x before you ask for a withdrawal. You can use this bonus code a single time only.
The second option newcomers at Slotastic have is a 150% welcome bonus of up to $300, granted on their first deposits of $25 or more with the promo code WINTASTIC. The bonus is valid on first deposits only and is intended for free play on the available slots and keno games.
It has wagering requirements of 30x the bonus and deposit amounts. There is no maximum cashout limit on the winnings you can withdraw. Only the slots, the scratchcards, and the keno games contribute toward the playthrough, but you cannot use the bonus credits to participate in the slot tournaments for free. The value of each free spin is limited to $0.01 per active line. Bubble Bubble is a 50-line slot, which is to say your bets should not exceed $0.50 per spin.
All bingo and table games like craps, baccarat, casino poker varieties, roulette, and blackjack are excluded. If you play them, the casino will terminate your bonus. The same goes for the video poker varieties which are also blocked from bonus participation. Maximum wagers with an active bonus in your account should not exceed $9.99 or else the winnings will be voided.
The third welcome option is geared toward the needs of new players who are looking to make their first deposits with the Bitcoin cryptocurrency. They can receive a 250% up to $1,000 in free credits in exchange for a minimum deposit of $25 via Bitcoin. The code for this one is BTC250.
The terms coincide with those for the other deposit-match offer, i.e. the bonus is subject to wagering of 30x its amount plus the deposited sum. Only slots, scratchcards, and keno have a contribution (of 100%) toward the playthrough. There is a maximum bet restriction of $9.99. Players from the following locations are not entitled to welcome bonuses – Sweden, Bulgaria, Belarus, Indonesia, Greece, Portugal, Romania, Poland, Russia, and Mauritius.
If these perks fail to satiate your appetites for free reel spinning, you can redeem more free spins for the slot Hen House on a daily basis, i.e. once you have finished wagering your welcome bonuses. Players get 10 free spins for a deposit of $10, 20 free spins for deposits of $20, or the maximum of 50 bonus spins for deposits of $50 or more.
You must use the SPINTASTIC promo code in the cashier. Wagering of 30x the winnings is applicable, with max bet restrictions of $0.02 per active payline. The casino’s terms state no maximum cashout applies to this offer.
In addition to these gifts, Slotastic treats reel spinners to a great range of limited-time deposit bonuses, cashbacks, and free spins. As a matter of fact, there are so many offers, it would be next to impossible to cover them all here. It is best for interested players to regularly visit the casino’s cashier where you can see all the bonus coupons that are currently available.
There is also a three-tiered loyalty program you automatically become a part of upon registration. The casino rewards customers with 1 comp point for every $10 they bet on the website. The points can be converted into free credits at a rate of 100 points for $1. Respectively, you need to generate at least 100 points before conversion is possible.
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Slotastic Software Providers

If there is one thing most US-friendly online casinos have in common, it must be the software they run on. Slotastic utilizes the software platform of a single supplier, the well-known RealTime Gaming. This is a company with over 20 years of experience in the field of casino solutions development.
The casino boasts a well-designed website that enables you to browse the different gaming categories and locate all the important information with ease. The lobby pretty much has the standard RealTime Gaming interface. After you log in, you get to see the categories of Slots, Table Games, Video Poker, Specialties, Progressives, and Favorites.
The current value of the progressive prizes is displayed in the jackpot meter under the main menu. You can access the cashier with a single click of a button and get to see your available balance at all times. Several useful buttons take you to the live chat facility, the promotions page, and your notifications.
Slotastic gives its players a choice from several options. Customers who intend to play on Microsoft Windows-based desktop computers can download and install the casino’s software, which, unfortunately, is not compatible with any other operating systems. Mac users can load the lobby and the games straight in their desktop browsers.
The casino works just fine in the browsers of smartphones and tablets running on Android and iOS. You can access it in any browser, be it Firefox, Opera, Chrome, Internet Explorer or Safari as long as it is up to date and your wireless connection is reliable enough. Slotastic has also released a dedicated application for Android. You can download it from the casino’s website for free.

Slotastic Banking

Banking is one of the aspects where Slotastic Casino definitely bears improvement. We would like to see more deposit and withdrawal options added in the future as befits an operator that supports play from most countries worldwide.
For the time being, Slotastic customers can make deposits with commonly available payment solutions such as credit cards by Mastercard, American Express and Visa, e-wallets by Skrill, ecoPayz, and Neteller, the prepaid Paysafecard, Neosurf, and the cryptocurrencies Bitcoin and Litecoin.
EasyEFT is also available but can be used by players from South Africa only. Another option is to call customer support on the number we have provided in the table above. The support agents will help you deposit over the phone. No additional costs are associated with the deposits.
The minimum and maximum limits depend on the deposit method you use. You can top up your account with $25 to $500 with the credit cards or deposit anywhere between $5 and $2,000 with e-wallets like ecoPayz.
Deposits with Paysafecard can range between $5 and $300 while those made with the Neosurf vouchers have limits of $10 and $250. Cryptocurrency depositors must comply with limits of $25 and $2,500.
There are but a few options where withdrawals are concerned. Players can cash out the wins from their Slotastic accounts with Bitcoin, MoneyGram, ecoPayz, Skrill, Neteller, checks or wire transfers. The minimum limits on withdrawals are $25 for ecoPayz, $180 for courier checks, and $100 for the other supported solutions. The maximum is $2,500 per method ($3,000 for checks) and $10,000 per week.
You have the option to reverse your withdrawals while the requests are still pending. We personally think this works to the disadvantage of some players. People sometimes get tempted to continue gambling until they give whatever they have won back, so manual flushing is always the more preferable option in our opinion.
So what are the processing times for withdrawals from Slotastic? It all depends on what method you use. The quickest way to cash out would be to use the supported e-wallets or Bitcoin where withdrawals take place instantly after approval. Withdrawals with courier checks and wire transfers may take up to 10 business days.
Unfortunately, there is no good news to report where transaction costs are concerned. If you are looking to avoid extra charges, you should withdraw with the cryptocurrency or the e-wallets. The fees associated with the other available withdrawal methods are eye-watering. You have to pay $30 extra per courier check and $60 extra per wire transfer. You might also end up paying additionally for currency conversion since Slotastic works with USD only.
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Slotastic Mobile Casino

Slotastic provides mobile players with two options. There is a highly functional in-browser application that requires no additional software installation. This enables you to play without wasting any storage space on your smartphone. You simply have to type in the casino’s address in your browser or scan the QR code posted on the website. Android users can download a native app to install on their devices.
We regret to say there is not much versatility for mobile players at Slotastic, though. The in-browser app is home to 100 or so mobile games, most of which are slots. There are around 15 video poker variations including Deuces Wild, RealTime Gaming’s trademark Loose Deuces, and Jacks or Better.
The mobile casino is short of table games, but you still get to play European Roulette, Suit ‘Em Up Blackjack, Classic Blackjack, and Tri Card Poker. Some of the most popular RealTime Gaming jackpot games have also been optimized for play on the go. The biggest pots drop in the progressive Aztec’s Millions.
You can add games to your list of favorites by tapping the star icons next to the thumbnails. Tapping the info button shows you all you need to know about the games you are interested in, from their volatility level to their themes and special features.
Slotastic’s in-browser app compensates with a simplified, yet elegant and user-friendly design. The circular mobile lobby features oversized round buttons that take you to the different categories of games, the cashier, your favorites, the games you have last played, and the main menu, where you can view your bonus coupons, comp points, promotional messages, and the contact page.
The support chat is accessible at all times via a large-size button that remains glued to the lower right corner of your touchscreen regardless of which page you open. Similarly to the desktop version, the mobile casino can be loaded in English only.

Slotastic Casino Games

Slotastic is a relatively small online casino with a gaming library that comprises around 300 distinct games. Note that the full suite is available via the Windows-compatible download software only. Those who access the casino and play in their browsers are facing half the number of options, with a little over 150 titles. This limited choice makes sense considering the casino uses software by a single supplier only.
There is the standard set of RealTime Gaming titles you can play. Slots make for the largest portion of the portfolio although video poker, keno, scratchcards, and tables games are also available. But enough beating around the bush – let’s examine the gaming library in more detail.

Slots

This casino is called Slotastic for a good reason. It features a solid collection of RealTime Gaming slots with versatile themes, ranging from ancient civilizations and mythology to magical creatures and Vegas lifestyle. Branded slots like Ritchie Valens La Bamba, The Big Bopper, and The Three Stooges are also included.
Slotastic organizes its slot collection on the basis of reel number, features, and jackpot. The 6-reel titles are a must-try including games like Super 6 and Lucky 6. Some of the slots from RealTime Gaming’s Real Series have randomly triggered local jackpots that can drop on any spin regardless of the amount staked. Some of the most appealing slots from this category include Aladdin’s Wishes, Achilles, Ancient Gods, Cleopatra’s Gold, Fire Dragon, Naughty or Nice, and Ghost Ship.
Hairway to Heaven, Naughty or Nice Spring Break, and Polar Explorer have the so-called “Feature Guarantee”. This ensures players will trigger a bonus feature within a designated number of spins. One example is the slot Aztec’s Treasure where the feature meter is set at 150 spins. Players who choose this slot can have the confidence they will trigger a bonus feature at least once every 150 rounds.
The Win-Win feature some slots are equipped with is equally rewarding but in a different way. It gets activated at the end of a round of free spins if you have generated profits smaller than 8x your triggering bet. You need to play all paylines to benefit from the Win-Win feature, though. Some of the Win-Win slots include Loch Ness Loot, The Three Stooges, and Triple Twister.
Slotastic caters to fans of classic slots with several 3-reel titles like Double Ya Luck, Sevens and Stripes, Scuba Fishing, Santastic, and Jumping Beans. Other slot titles that appealed to us include Cai Hong, Bubble Bubble and its sequel, Enchanted Garden II, Eternal Love, Gods of Nature, and I, Zombie.

Table Games

Slotastic is home to a standard suite of table games that features around 18 variants of roulette, blackjack, and casino poker. Baccarat and craps are also available. Fans of the Devil’s wheel have a choice from American and European Roulette where the bets range between $1 and $50.
Blackjack buffs enjoy a greater versatility, having a choice from the standard version of the game, Perfect Pairs, European Blackjack (this is a no-hole-card game), Face Up 21 (RealTime Gaming’s take on Double Exposure), Pontoon, Super 21, Suit ‘Em Up Blackjack, and Match Play 21.
Several variations of casino poker are also available. You can play against the virtual dealers in a game of Vegas Three Card Rummy, Tri Card Poker, Pai Gow Poker, Caribbean Hold’em (which is pretty much the casino version of Texas Hold’em but with an exotic name), and Caribbean Stud. The baccarat and craps games can be found in the Specialties section.

Progressive Jackpot Games

We counted roughly 75 games with local progressive jackpots. This means the prizes are pooled from bets made on the Slotastic platform only. Respectively, you cannot expect gargantuan pots from these games – their prizes typically escalate to four-figure amounts only. Some of the most popular slots with local pots include Small Fortune, Jumping Beans, Rudolph’s Revenge, Samba Sunset, Secret Symbol, Penguin Power, Paydirt, Mermaid Queen, and Mister Money.
You have a more limited choice if massive pots are what you are after. The casino features several slots linked to a wide-area progressive network, with prizes accumulating across all RealTime Gaming-powered websites.
The pots in Aztec’s Millions and Megasaur are symbol-driven whereas the prize in Spirit of the Inca drops whenever it reaches its boiling point. The jackpot of Aztec’s Millions is way overdue since it has not dropped since 2009. The table games Caribbean Stud and Caribbean Hold’em are also linked to progressive networks.

Video Poker

Fans of video poker are catered to with 14 distinct variations of their favorite game including Loose Deuces, Aces & Eights, All American Poker, Bonus Deuces Wild, Bonus Poker, Bonus Poker Deluxe, Deuces Wild, Double Bonus Poker, Double Jackpot Poker, Jacks or Better, Joker Poker, and Sevens Wild.
Each of the above-listed games is available in the multiple-hand format, with players having a choice from 1, 3, 10, or 52 hands at a time. Just keep in mind each hand you play requires an individual bet. For example, if you are playing five credits of $0.50 per hand in the 52-hand variant of Jacks or Better, you are practically wagering $130 per round.
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Slotastic Licensing and Regulations

Slotastic has not published any information in regard to licensing, ownership, and regulations on its official website, which only works to its detriment. In our opinion, it is common courtesy to inform one’s customers who they are gambling with and under what license. There are no details on who audits the games for fairness and what their theoretical return is. We hope to see higher levels of transparency from Slotastic in the future.
After a little digging on the web, it was established Slotastic allegedly operates under the licensing and regulations of the British Virgin Islands. Customers’ funds and personal information are protected with SSL encryptions.
Slotastic also embraces responsible gambling. Players can self-exclude, take a temporary break from gambling, or set limits on their deposits. The casino does not allow for real-money play from the UK and New Jersey.

Slotastic Customer Support

Slotastic players who need help are facing several avenues of communication with the casino’s support staff. The easiest and quickest way to contact them is via the live chat. The chat facility is staffed at all times of day and night, which is certainly beneficial for the casino’s vast multi-national player base.
The downside is that when all human agents are busy servicing other customers, you may end up chatting with the “friendly” Chat Bot. The latter is pretty much useless since it provides you with a link to the FAQ section most of the times.
You are automatically connected with a real human being as soon as an agent is available, though. The support staff makes an overall good impression with their professionalism and friendliness. You can also drop Slotastic’s support a few lines via email at [email protected]. Support is provided over the telephone as well. The number you need to dial is +1 866 890 6738.

Conclusion

Slotastic has both its downsides and advantages. The biggest positive here is that the casino welcomes play from a huge number of jurisdictions including the United States. Another benefit is that the website is jam-packed with bonuses and promotional incentives. If you are looking for generous offers, this is the place to drop by. We also liked the website’s design. All categories are easy to spot and the games load quickly both on desktop and mobile.
The biggest con here is the absence of regulatory information. As we said earlier, we hope to see this fixed in the future in the interest of transparency. It would have been great if the casino supported more payment options as well.
The gaming library itself is definitely not the most diverse one, with only 150 games in the casino’s flash version. Despite its downsides, Slotastic will appeal to RealTime Gaming fans from the US who insist on fast withdrawals and lots of bonuses.
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I really wish that Linux didn't suck, but anyone who is honest with themselves knows the truth

Linux has a tons of glaring issues that are very obvious to see from someone coming from Windows or MacOS. There are billion of issues, I see with Linux and I'll list quite a few of them (I can't list of all of them It'd be way too long).
The first and biggest biggest biggest weakness of Linux is:

App support

I don't get why this is so taboo even among the Linux community to admit this, when objectively everyone knows that Linux is missing a lot of deal breaker apps. WINE seemed like a brilliant idea on paper, but in practice It doesn't work with all apps, It has bugs, It's quite difficult to configure If other people didn't try them and wrote a tutorial for you before. Also, the numbers of loud desktop linux supporters seem to be high and all, but I don't see a lot of them contributing to WINE, literally THE MOST IMPORTANT PART OF LINUX RIGHT NOW. There aren't a lot of WINE devs nor enough people writing guides and tutorial on them or reporting bugs (hint for all linux supporters, I'm contributing to WINE).
So for people who need to make a serious living using Photoshop and really can't waste time to deal with bugs or even worse crashes, with the current state of WINE right now, It's unviable. Not to say that WINE can't implement a lot of Photoshop features.
The other solution Linux has to solve this problem are virtual machines. And indeed they run all windows software bug free without any problem, except one: Virtual machines lead to a performance loss. That's a pretty big deal for anyone professional, you don't want to deal with lag and some apps are simply unuseable because they are too slow like Adobe premiere (2 hours + to render instead of 20 mins is unacceptable for anyone working seriously).
Fortunately there is a solution to solve the slowness problem, VFIO passthrough and indeed this time there's no scam. With VFIO passthrough, basically you give one of your GPUs to the VM and you can achieve near native performance. They didn't lie, It's real If well configured. The main problem with this is that you need at least 2 GPUs to do that and not everyone has 2 GPUs (hello laptop users). It's also quite complicated to setup (very hard sometimes).
Seamless window support (showing the window of a VM and running a virtualized app a normal/native app) is a bit shaky, but It can be improved over time and It's not a huge deal breaker.
If every computelaptop had 2 GPUs, honestly I would've said that Linux could have some future and that vfio passthrough could compensate for the lack of apps. Especially, with the new technology that is coming on some GPUs that allow you to only give a part of it to a VM.
But If VFIO passthrough is an option to you, then in my opinion It's a huge deal changer, Linux isn't the same OS at all and It really starts to become a viable desktop OS, in this case.
If you can't do a VFIO passthrough (like most people), then It's really limiting. Linux doesn't have that many software exclusives compared to Windows but lacks many of the important ones. Open source alternatives really don't cut it:

Gimp is literally useless for serious professional work because It doesn't support non destructive editing. It has many other glaring issues, but this one is literally the biggest and no work around will fix this.
Libreoffice can be considered If you work alone, but even then the experience is far from flawless depending of your luck. You can be hit by bugs and in my personal benchmark Libreoffice is a lot slower than Microsoft office for processing big files. It also lacks features. If you work with other people who use microsoft office however, unless you enjoy gambling with your job, you should just use microsoft office and not risk problems. You should be sure to see what others see and the same thing the other way around.
For serious video editing, you need either Avid or Premiere. Davinci resolve looks promising, but It still lacks some features and can't be used for serious high quality video editing.
For video recording, linux lacks camtasia, bandicam and others. Sure, OBS studio may not be bad, but It's not my cup of tea (I prefer bandicam and I doubt that I'm not the only one thinking this). The UI is complicated and It lacks some minor features that I only I care about, I guess. Linux has a lot of problem with proprietary formats in all these programs.
No open source pdf vieweeditor comes close to Adobe Acrobat
Note taking in Linux is in a very sad state, there is no onenote one of the best note taking apps. You're forced to use a subpar open source note taking app like xournal.
For media consumption: Linux is blessed to have VLC, one of the best video players, but It lacks some alternatives like powerdvd.
Linux lacks a powerful software to manage your music library. No mediamonkey, musicbee or foobar2000 sucks. I know that you can gamble your way with foobar with WINE but not many users use it, so you'll probably have to deal with some bugs.
There is no hardware decoding in firefox and chrome. There is a hacky VA-API patch that isn't too hard to implement in chromium but It doesn't always work.
Some asshole websites don't seem to support hd videos for linux and changing the user agent can fix this.
Most other specific work-related apps don't work on Linux too.
There is no Sketchup, no solidworks, no autocad, no solidedge.
Linux lacks games, even though It's getting better at this. There are a lot of poor linux ports too with more bugs than the windows version.
Funnily enough, Linux lacks chessbase meaning that It can't be used for serious and top chess players, a real missed opportunity, given that Linux isn't unpopular in the back end of the chess world. TCEC: multiple chess engine tournaments run on Linux.

I'm sure that there are many others important software that Linux lacks. More than half of the programs on my Windows machines are basically unusable on Linux. Even If open source alternatives were on par with proprietary software, It's unacceptable and unreasonable to expect anyone to change more than half of his workflow like this on his desktop OS, let alone If the quality of software is actually inferior.
Second biggest problem of Linux is:

Poor hardware support

This one is the second most important and annoying issue. There are some laptops where Linux straight up won't boot, but getting your wi-fi, video card, sound, microphone and webcam working out of the box is still not so likely. But even If you managed to get everything "working" somehow, you will have a poor battery life out of the box and even after some tinkering the battery life is still poor compared to Windows on most laptops. You may also experience subpar drivers, missing features and slower performance in some aspects.
If however, you have something specific going on for your laptop, like a touchscreen: 2-in 1 tablet, tactile numpad, the touchbar on the macbook gimmick or anything else: you can be pretty much GUARANTEED that your experience will be complete garbage compared to the OS given with your hardware.
It really does not help that we're moving from laptops to 2 in 1 gimmicks slowly and It will give linux an even harder time to catch up. Linux is so terrible for touchscreen and 2 in 1 tablets, It's really unbelievable, I feel like Android 10 years ago was much smoother than this garbage.
Accelerometer to change the screen rotation is truly garbage. Put an Ipad or even a fucking android tablet or smartphone and you'll see what I mean. On an Ipad, you get a nice transition and the screen rotates smoothly. On Linux, the screen turn off completely and then rotates 3-5 secs later, It's not reactive at all.
For touching your screen, the UI is plain laggy and not responsive. Compare it to any iPhone or iPad and It's day and night, really. Linux is not responsive to touch and sometimes touch does not even work. There is significantly more input lag on Linux than Windows on 2 in 1 tablets.
It also really does not help that no DE, even GNOME gives a really polished tablet experience, UI and layout of apps. It says a lot when fucking Windows is more optimized for tablets than your DE.
There is no DE 100% focused to give a polished tablet experience. None of them. The linux community and devs don't give a fuck.
I'm still not over with hardware, If your hardware even works AT ALL, you will definitely miss the software features on it, most of the times. If you buy a random gaming mouse that bundles a software to remap the side buttons or use a technology in software to readjust the aim, YOU'RE IN FUCKING BAD LUCK, NONE OF THIS will be supported in Linux.
RGB keyboard? Ha, no lights for you boomer! Because who buys an RGB gaming keyboard in 2020?
Specialized and latest hardware won't work PERIOD.
THESE are the DEALBREAKERS, MAJOR POINTS, on why Linux really sucks dick at being a desktop OS.
There are other points where linux sucks, like the fact that It's buggy: a lot of bugs in this OS, being a dick to troubleshoot, the awful package management system forcing you to update your whole os to update a tiny app: It's like they are begging for bugs to happen, bad ui in many DEs, being forced to use the terminal for a lot of basic tasks, the community not focusing on functionality but on forcing their morals on others, the religious attitude that linux is perfect holding it back and so on.
But these are of course somewhat important, but very minor. Yes, It sucks to regularly encounter bugs with no user error besides daring to turn on my computer (something that never happened with windows before, I never had bugs with Windows that weren't 100% my fault), but honestly the software + hardware problem is really the biggest issue.
Linux is really behind, I feel like It was created in the stone age. 15+ years behind Windows and Macos in terms of useability.
What the Linux community is doing on the desktop scene, is CLEARLY NOT WORKING.
In the long run, I believe more in ReactOS, but the development is very slow and I may never see the light of such a project, assuming that It isn't abandoned.
I still contribute to Linux and even use it from time to time, fantasizing about what Linux should've been, but I guess that It is only going to stay a dream for a very long time.

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I really wish that Linux didn't suck, but anyone who is honest with themselves knows the truth

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