Georgia Legit Online Poker Sites & Gambling Laws 2021

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.

https://www.littlewheel.co.uk/
NJ, USA
To summarize, I submitted an application to this company after I found them on indeed three weeks ago. The description was "online casino testing". I know no that it is not testing at all, it is gambling and they are backers for their "employees". Their whole principle includes hiring temps (need new SSNs) who will then make accounts and take advantage of signup bonuses, deposit bonuses, and promotions in various online casinos. They claim it is entirely legal. I went through all of the training today and learned more about it but before I go any further I want to do some research before I put myself at risk.
I opened a new bank account, paypal, slack, GAS (the client you have open while playing the casino games) and gmail account all of which they have the sign in information too, which has me concerned. They seem to be in depth and legit but I'm worried about potentially putting myself in a lot of risk for $1,000-2,000 over a couple weeks. The slide show in training stressed that we would never have to deposit our own money and our personal money would never be at risk. They seem to be very in depth with everything. They did list their lawyer after the section about if employees were to complete any sort of fraud.
Information on earnings can be found here: https://newgas.screenstepslive.com/s/21810/m/94240/l/1160380-earnings
Important tax question: https://newgas.screenstepslive.com/s/21810/m/94240/l/1367027-will-you-have-to-pay-tax-on-all-the-winnings-on-your-account

Edit: wanted to clarify that this is a United States thing and not UK after the url, the company is based in both NJ and the UK I believe.

The media is one of the Five Eyes (Orwell's Nineteen Eighty Four) of the state, or should we say the predatory capitalist elite and their corporate legal entities veiling their legal persons; and feudalism is alive and well expressed in more colour than ever - advertising and marketing, consolidation of power (purchasing of smaller corporations, producing monstrous shady entities like Tencent), incredibly hawkish startups like Fiverr, UbeLyft, Cameo where the company in question barely even does anything; the right wing "think tanks" that sing the hymn of freemarket fundamentalism, the Nobel Peace Prize that Obama absurdly won (Nobel Prize - mentioned in that Living Color song), the odd yet uncontested way that some TV shows put in more right wing guests than left (BBCQT inviting establishment stooges like Kate Andrews (IEA / Adam Smith Institute) and Isabel Oakeshott), the open neofeudal style by which bosses can fire staff and make up a reason without it necessarily being taken to court (the UK govt played with removing funding for wrongful dismissal cases), the initial turning down of the proposed uk law to make homes fit for human habitation (now finally here for 2020); the general trend of corporations shoving all the risk on the consumer and leaning as much as possible on socialized support thanks to the calculating thinkers working for corporations; the fact that truly left-leaning (not liberal) narrative is never referenced on space-age TV, the likes of which span hundreds of potential channels continuously each day; the fact that we are over 50 years into space-age technology and yet everything beyond computer hardware is firmly chokeheld by private interests seeking to impose an alien power over others for personal gain; the fact that everyone is affected by the way that the popular crowd is drawn to celebrity influence (neofeudalism by any other name, and the cult of personality); the fact that jobs are gated by even subtle presumptive aspects like your accent in what we call in the UK the "glass ceiling"; the irresponsible flooding and underinvesting of the job market by governments that can only see as far as their kickback pay packet; the extent to which music and video game media can be financially elevated without legal restraint (unlike gambling which is at least in the formal/technical sense regulated); the attitudes from product pushers being that they should be immune to criticism or shake it off at every turn, under the river of praise from MBTI Sensing-Perceiving types (artwork and memes and mythos mind a la suspense of disbelief rather than logos thought a la conscious self-awareness and critical evaluation) and by "online reputation management"; the open overt acceptance of power being held over everyone by corporate overlords in the movie industry, video game industry and so on - are we to include then the academic and scientific establishments, and the education institution?; the way that the rich siphoning up wealth from the poor divested communities in greater and greater speed ("money is a means to get wealth - not the wealth itself" —Akala) inherently and invariably means they are accruing more power to embarrass the poor when they encounter them and encumber them systemically and indirectly and take on more sex acts with greater choice by selection (the free market); the fact that the powerful go psychologically and sociologically unchallenged by the common people each day; the fact that figures like this "Jeff Bezos makes 2219 dollars in one second which is double what the average person makes in one week. In one minute Mr. Bezos makes 2219x60=133140 dollars. In one hour Mr. Bezos makes 133140x60=7998400 dollars)." go unconsidered and unchecked and unresearched by most; the fact that there are no interactive programming tools to trace, map and prove the linkage between wealth disparity and all social ills; the lack of people like Jaque Fresco in our world (If memory serves right he had a sit down with the power elite, who would have promptly denied him anything truly leftist in vision); the implicit neofeudal psychological programming that IS advertising; the borrowing and corrupting of natural world semantic meanings for selfish neofeudal aims and means; the direct pipeline from education to military and the mandatory military service which still exists in some countries; the fact that returning a product inherently throws the customer (slave) into suspicion by the seller (master - legal power holder); the very idea of a court system ran by the state and not a jury of 3rd party independent people; the lack of a "fairness and welfare supervisor" in every workplace and the presence of "compliance officer"s; the very "free market" in free market fundamentalism which inevitably and invariably defers to which/whoever market force has the most power (today - money - working capital); the fact that being poor and working in a low pay job literally makes you poorer as you work (in real terms); the predatory and inexcusable nature of gambling; the predatory and inexcusable principle of landlords making money off other poorer humans (it should be the state which intervenes if the state is truly a good state, which we can surmise every government is implicitly claiming of itself by holding power); the lack of naming and shaming of social ills like the Nestle CEO who said water access shouldn't be a human right (God I fucking hate Snopes); the trends of people trying to make money off other people via various scams and the likes of BlackHatWorld and WarriorForum, which are innately neofeudalistic in their function, pointing to a giant pyramid scheme that drags along with the rest of modern capitalism; the innate respect given to media moguls and politicians when they are nothing special; the disrespect and disrepute given to the left wing health services of every nation; the blind acceptance of imposing imagery, themes and connotations left dirtying our minds which we call advertisements; the implicit fraud in denying people growing their own food indoors; that concepts like treason do not for most people extend to The People as an interest group; the incredibly rare use of the justification "For the public interest" and "For the public record"; the fact that the French Revolution is not associated for us in school as the birth of the first human rights (surely a non-feudal society would have no qualms or problems with teaching this truth of human history and progress); being frank about racism being too hot for school; the fact kids are now accessing hardcore pornography but not radical and sometimes dangerous ideologies and thinking; the intellectual and spiritual poverty of our age, and the lack of conscious awareness of what we are doing to ourselves with our time and the mental contents surrounding us (a wise man once said.. you will become what you surround yourself with); the mess of the Internet operated by the modern robber-barons of advertising and web traffic conversion and "upselling"; the open betrayal of the people by governments which can be exposed even in form of statistics and hard truths and evidences; the great silence of modern "intellectuals" and losers like self-help gurus (THE MODERN COURT JESTERS), who couldn't begin to address choice quotes of the great intellectual giants of human history; the platforming of celebrities and people with certain types of contours over their face that are pleasing to look at from every angle, over those humans who are better in substance, expertise, spirituality, etc.; the preservation of neofeudal lord roles in the workplace (the boss), the home (the landlord), the Internet (the website owner or advertisers), the land, parks and golf courses (the land holder or owner), and even the family (the wealth-holder parent(s) you are dependent upon); the appeal to authority; the way a poor person under free market fundamentalism must always choose the product most poorly produced i.e. the most likely to break or malfunction and cause them to lose more money, generally kept within reasonable losses or sunk costs as per investment brokers' "portfolios"; the way that moral and ethical wrong cannot by most people be pinned on day traders, Goldman Sachs starving poor people etc. by the inherent flow of the market, which will always favor the most production of immaterial and material wealth by abstraction. (In other words - although we can't fully know and intuit what will be best to produce in any given scenario, we can actually fundamentally and systemically rule out what will be bad and harmful for society - but not for the market which is the concern of free market fundamentalists); the rise of unpaid internships (strongly neofeudal i.e. the local "lord", the company owner, is "giving you an opportunity" and that's how they see it); the propaganda of war producing poor peoples' children dying for the rich few who control the military-industrial complex and massive amounts of money flowing around for rich interests, e.g. soldiers firing missiles that individually cost more than they earn per year, of course ultimately tied up as a capitalistic move/plot/bid to win more cheap oil; the way that companies are literally designed to offer minimal guarantees, insurances or protections for their workers yet they are keen to take with them each working day most of the material gain produced by each worker (remember I said corporations lean on society?); the protection of "limited liability" companies to lose money, versus the individual people who are enslaved by means of debt they cannot easily erase (this bleeds into a general distrust of the independent person compared to the corporate entity, when the people actually are in earnest and wanting to help one another, except for the psychopathic in society who can be known and traced by their behaviour and early signs in school); the fact that healthcare is not free in all countries despite the common people CONSTANTLY working to uphold the corporate masters and the endlessly rich, some of whom donate money to Internet streamers for a laugh at the shock; the mathematical intuitive rational incompetence of the science establishment, which seems to have no backbone when it comes to neofeudalism and major social issues and ills (they don't even speak up against gambling! WHAT THE FUCK IS THE SCIENTIFIC ESTABLISHMENT DOING AND WHY DO WE NOT PUBLICALLY SHAME THEM AS FRAUDULENT PUBLIC INTELLECTUALS - FOR THE PUBLIC INTEREST AND THE PUBLIC GOOD?) and rather, they seem to be the lapdogs of the elite, continuing to produce inventions which can easily be taken advantage of by the right wing interests - tear gas and rubber bullets for example; the lack of public awareness of state interference in a negative way; the arrival of private police forces; the hierarchy of control of the Internet based on what they call "authority sites" - prioritized by search engines.
(I apologize for the formatting but this was a train of thought.)

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! :)

For decades, spinning the reels of slot machines - whether at land-based or online casinos - has been reduced to pure luck and, apparently, no skill whatsoever. Players have been at RNG's mercy to either win or lose, which for most was both exciting and somewhat rewarding.
However, new generations have started changing the face of gambling, slots in particular. Moving away from luck as a deciding factor of their wins, these generations have started asking for games that put their skills, reasoning, and capacities to test while still being fun – and that's how skill-based slots arouse.

What Are Skill-Based Slots?

Skill based slot machines are the newer breed of slots designed for everyone who would rather trust their skill over their luck, while still having fun - at least that’s how they are advertised.
The outcome of skill-based slots should be based on the player's ability to play the game rather than how lucky they are. Skill slot machines also allow operators, game developers, and suppliers to design variable payback based on a comprehensive variety of identifiers.

The outcome of skill-based slots should be based on the player's ability to play the game rather than how lucky they are.

While regular slots' winnings involve a lot of player's luck and hardly any skill, skill slots are supposed to be predominantly skill, factor-wise. With skill-based slots, players start the game knowing that they will have a material effect on the outcome, i.e. how much money they can win, with better players getting rewarded with higher payback.
Essentially, in answering what are skill machines, it is safe to say that they are games which resemble video poker or blackjack, as they give the player a chance to boost their profits solely with skill.

How Does a Skill-Based Slot Machine Work?

In comparison with how regular slot machines work, it is kind of difficult to give a definite observation on the matter as, basically, they operate the same way.
Unlike regular slot machines, casino skill games feature bonus rounds that require skill to win. Also, some of these games don't necessarily require playing the skill-based round; instead, they offer the option of choosing between free spins and an interactive bonus.

How Slot Machine Skill Games Work?

Say you are playing a slot with a racing theme; this is how you would go about it:

When the bonus room is triggered, you choose the skill-based bonus
You race against other cars
The size of your payout gets determined by your finish

Skill based slot machines particularly stand out due to their unique bonuses.

What is the Difference Between Regular and Skill Based Slots?

Skill based video games, i.e. skill-based slots, are different from regular slot machines because they feature bonus rounds which include a high degree of skill. While the base mechanisms are the same for both, skill-based slots require some skill if the player is looking to score.

While the base mechanisms are the same for both, skill-based slots require some skill if the player is looking to score.

Regular slot machines work in a way that the player places a bet and spins the reels; then, the RNG (random number generator) delivers a combination, showing the results on the reels. Essentially, it is the RNG that determines the spin's fate. With traditional slots, players have almost no say in the outcome – they only decide the amount they'll bet and when they'll start/stop playing.

How Much is Actually Skill and How Much Pure Luck?

When we speak of skill-based gaming, it's safe to say that both are included, with the difference that, unlike traditional slots, skill-based slots do include competence.

What is the Difference Between Arcade Slot Machines and Skill Based Slots?

The younger generations don't remember it – but arcade games were the thing in gaming. New-age developers have decided to use the old trend, revamp it, and make it the basis of the majority of skill-based slot machines. The reason for this is, predominantly, millennial preferences. Millennials are not interested in luck deciding the course of their actions but are known to believe their own competence and rely on it.
As skill-based slots haven't exactly grown in popularity in the past years, bonuses based on arcade games could be the best way to test if skill based gaming will become the new "it" of slots gambling.

Can You Make Money Playing Skill Based Slot Games?

Skill-based slots don't come with guaranteed profits despite the fact that your skills can result in earning more money. Why? When it comes to this type of games, the truth is - you won't raise RTP enough to guarantee winnings even if you're an expert at the bonus round. While players are given the option to include their skill in the whole concept of playing, these games are still programmed to give the house advantage over a player.

The Case of PA Skill Machines (Pennsylvania Skill Machines)

Pennsylvania Skill machines are the games you see at convenience stores, at bowling alleys, local pubs, and virtually all other fun-games-and-entertainment places. These games are allowed for 18-year-olds, while casino slot machines are strictly for those who are 21 years old, or older.
Pennsylvania skill games are produced by Pace-O-Matic (POM or Pace O Matic), distributed by Williamsport, PA, -based-Miele Manufacturing.
There are several games on offer:

A hypothetically unlockable bonus session
A tic-tac-toe-style puzzle
A "follow me" coloured dot-matching second phase of gameplay

If a player plays the Pace-O-Matic game successfully, they win a total of 105% of the original amount spent to play.
Throughout the years, there have been talks whether the machines developed under the name "Pennsylvania Skill" should be considered regular slot machines or games of skill specifically. In the most recent ruling, it was announced that "video game machines manufactured and distributed by the POM under the name "Pennsylvania Skill" are considered slot machines under Pennsylvania law. However, Judge Patricia McCullough did not state that POM was in violation of the Gaming Act."

Currently, Pennsylvanian skill machines are considered legal.

But where does that leave things? Are Pennsylvania skill machines legal? Currently, they are considered legal. However, some people argue that the skill aspect is an illusion designed with the idea of floating Pennsylvania gambling laws. The same people, additionally, claim that a player can get lucky on both a regular slot machine and a skill-based one, and win – but that it would be luck in both cases, though.

Are Skill Slots the Future of the Slot Machine Industry?

Discussing whether skill slots are the future of the slot machine industry has to come with a degree of uncertainty as there are still plenty of unregulated and undefined things in this domain. While skill-based gaming sounds like a great idea on paper, the reality is different. Yes, skill-based slots give players the ability to decide their own gambling luck (in a way), but - skill alone doesn't always translate into success.

Skill-based slots give players the ability to decide their own gambling luck (in a way), but - skill alone doesn't always translate into success.

The optimum is that, based on how things are now, the future of slots looks close to placing an emphasis on social gaming (e.g. Angry Birds, Candy Crush, and Plants vs. Zombies, etc.) and console/computer games. Still, all further changes and upgrades remain to be seen.

Conclusion

Skill-based slots are a mixed bag of elements different to standard slots, but also a somewhat deceiving game as it sounds like it's giving players more power of the outcome than it actually does. Players are potentially able to influence 5% of the RTP through their abilities, but that is pretty much it. Skill slots differ from casino terminals in a way that they include some skill, the accent on "some". Skill slot machines don't actually give players a true chance to overcome the house edge, but that doesn't mean you can't have all the fun in the world just playing!

I keep asking myself how did I get here, but I know exactly how I got to this point. It all started when I was 22, I overheard a couple guys I was playing golf with talking about betting on Arietta and the Cubs. To this point I knew people gambled on sports but I didn’t grow up in that type of home. Occasionally my father would play the squares on a football board or play poker for a few bucks but it wasn’t something I can say I grew up in. That all changed when I started my job at the local country club. If there was a bet for paint to dry these guys would do it. So I watched the Cubs game that night with interest, even though I had no money I watched and they won. I thought wow those guys made money for doing anything. I made my first deposit of $100 onto an offshore account. My first ever bet $20 on the Louisville Clemson Under, and it hit. I was ecstatic, sure it was only $20 but I did nothing to earn that money. This is where my problems started. Over the next few weeks I figured out parlays I hit 3 in two weeks times, for $800 a piece off of a $5 bet. I thought I was rich, I was only 22 so that was a lot of money. Then I discovered the roulette side of things on the online casino. Now this wasn’t my first time with casino gambling. I would take $50 to the local casino and be ok if I lost. My account sat at $2000 in that offshore off of a $50 deposit, and in one day it was all gone off of roulette. I didn’t think much of it I mean it was only $50 lost truthfully. Over the next few years I only would bet on football and basketball I lost some won some but nothing to impact my life. And then it happened. I made another deposit onto an offshore account. Played roulette and was up over $5000 in a week. And within a few hours after I had all these ideas of what I was going to do with the money...it was all gone again. This one stung, I felt like it was just a string of bad luck so I wanted to deposit again and I did that, and guess what lost $200 within the hour. My funds were running low so I went to the worst place you could, a payday company. I couldn’t wait on a normal loan I needed something I could deposit quick and win it back. Well 1 loan turned into 3. Credit cards were all maxed and it was suggested to me that I start to use a local bookie. You don’t need any money to deposit and you get weekly payouts. I thought sure why not. First month I won around $2000. I paid off the loans and some credit cards. My life seemed to be back on track. Then in one weekend I lost my account balance and now owed the local $3000. I came clean to my girlfriend, now wife and she was hurt but helped me. I thought that was it this was the wake up sign. A month later, I was back with a local, I told him I had a problem and to drop my account as it wasn’t I was bad at betting I was just bad at managing money. At least that’s what I told myself. Football starts and first day I owed the local $1500. I called him up asking if he could cancel all bets and I would go into GA, and that this my cost me my upcoming wedding. He agreed and said I needed help. But naturally my friend suggested a new guy, and I was right back to square one. I didn’t lose any money I couldn’t pay small amounts but still never won much. And this continued for another two years up until this last June. I was down $3800 on a Friday; and had no way of paying this. Knowing I couldn’t come clean to my wife or family I felt helpless. I started chasing and got lucky and got below the settle limit for the week. This was a routing for about 2 months. Days and nights spent chasing to get below the settle limit until it happened. I lost $2500 again in a week and didn’t have the means to pay. I have a decent job but so much debt that all my money is gone by the time it comes in. I told my wife I needed the money for a medical bill as I had some work done on my knee, and she helped. So I kept going at it thinking it was just bad luck again. I won $1000 a week ago, and now I lost $1000 in over 6 hours tonight. I’m faced with the decision to chase or not to chase. Telling my wife the truth could very likely end our marriage, but people always say I don’t know where I went wrong. I know where I went wrong, I went wrong from day 1 thinking this is a way to make easy money. Gambling will take everything you have your spouse has and your family has and won’t give anything back. It’s a disease and an addiction that is almost impossible to beat. I have thought the last few years life would be easier for everyone including me without me here. I can’t be that selfish though, I now have two jobs just to get out of debt and work around 80 hours a week. I hope the time at work will keep my mind off gambling. I’ve always personally love the numbers part of gambling and honestly speaking never had an issue I felt when I was making deposits and doing just sports. I have a desire to get back to that with sports betting going legal soon in my state but it’s something I don’t know if I want to be apart of. I want to be done with the bookies, the offshore casinos, and honestly gambling in any way. But I just don’t know where to start.

Dhawra nguna dhawra Ngunawal.
Honourable senators and members of the Parliament of Australia, ladies and gentlemen. I acknowledge the traditional owners of the land on which we meet, the Ngunawal people, and pay my respects to their elders, past and present, emerging leaders and all Aboriginal and Torres Strait Islanders gathered here today.
On October the 11th, millions of Australians participated in the core ritual of democracy; an election. They voiced their thoughts, their opinions and their beliefs at the ballot box and declared that over the next three months, that they would like their honest, respectable aspirations to be backed and supported by the parliamentarians which they elected. It is through the core values shared by Australians, that my government will seek to succeed in their aspirations to make a greater Australia for all.
Australia is a great nation and it is forever enlightening to know that my government is one which upholds the values of freedom and will seek to bolster the personal and economic potential of each and every Australian. The tenets of freedom includes our ability to engage in thought, worship, speech, association and choice — the inalienable rights to life, liberty and pursuit of happiness in our humane society.
In preserving our species, my government will seek to protect the right to life at all stages — before birth, childhood, working age and retirement. During pregnancy, my government seeks to ensure that parental consent is involved, that the life of the prospective child is held in high regards under law and that the government recognises 21st century developments in contraception, which we embrace. Our children are the future, and my government will seek to protect Australia’s children from child abuse and sex crimes by harshening penalties for such crimes. My government wishes to preserve the value of life, through changing criminal punishment to reflect the societal value placed on life. By pushing for gender equality and pushing to close the gap between Aborigines and wider Australia through job creation, healthcare investment and the preservation of equal opportunity, my government will truly be one for all Australians.
Marriage is an institution for the private sector and my Government will seek to remove the government from marriage completely; reforming all current marital benefits to ‘civil unions’. Nearly two thirds of Australians are religious, and my government will seek to ensure that religious discrimination is eliminated in Australia, however my government will also legislate to ensure that religion is treated equally under the law just as the wider community is. My government will restore private property rights, remove restrictions to rural landowners to the full utility of their land, and at no cost to the rural landowner, restore all farmland to rural landowners who have been compelled to sell or abandon their farms because they were made economically non-viable through unconstitutional laws. My government will also seek to improve the health and economic prosperity of Australians through the outlaw of daylight savings; a bureaucratic measure which pains millions of Australians.
My government is one which believes in the separation of powers and decentralisation; government is as government does. Through granting Australians equal rights under the eyes of fair legal frameworks, the freedom of the people to change this framework is key to ensuring a humane democracy. Thus, my government is committed to ending the war against West Wimmerans — we will deliver on a referendum for West Wimmera statehood and allow for their voices to be heard and their chains to be unshackled.
Government's role is to nurture and encourage Australians through incentive rather than to burden through bureaucracy. My government is one that will fondle the private sector and facilitate growth, rather than to compete with them as businesses and individuals are the true creators of wealth and employment. Through competitive enterprise and consumer choice, Australia can truly become a strong nation which rewards the tireless hours and hard efforts Australians put in at work, each and every day.
Jobs and Growth is what my government believes in and will pursue this outcome through a focus on promoting Australia’s goods and services. The minerals industry is a prevalent one in Australia, yet we do not process and refine them here in Australia. We know that what Australia makes, makes Australia. My government will be pursuing the Hydrogen Steel plan to create over 25,000 jobs and $65 billion in annual exports as a result of renewable powered steel production. My government will create jobs through a compulsory “Work for the Dole” program, with participants transferred to a job guarantee program with employers being paid the equivalent of Newstart for each new full-time employee. The WorkChoices Apprenticeship scheme will return to encourage blue-collar employment to boost youth employment, whilst Trade Support Loans will also be introduced to back loans for new apprentices.
My government will boost investment in Australia through an extension of trade, superannuation reforms, industry regulation changes and home ownership policy. It will be mandated that superannuation is to be invested in Australia only, with super access allowed for home loan deposits and the age limit for compulsory super payments to be abolished to fight ageism in the workplace. With the fast-track completion of the Inland Rail Project and new deep-water ports to be constructed on the eastern seaboard, along with free-trade zones around logistics hubs, our trade will be immensely boosted to support growth in various Australian industries. Our industries will also be strengthened with the bans on fracking, online gambling, alcohol advertising to be lifted; whilst post stamps and palm oil are further regulated. Home ownership is a priority for my government, with a cap on all housing developments sold to foreigners, a cap on negative gearing and tax deductions on home loans interest payments.
It is also apparent that industry reforms are necessary to protect workers and our economy. My government will strengthen unions and workers rights with a return of the ABCC and laws which ensure that unions and union leaders are given the same treatment as corporations and company directors. Australian Banks will also no longer get a free pass under my Government, as unfair penalty fees are banned and agricultural loans are regulated.
Mass tax reforms will unleash the shackles of the economy, with a variety of tax changes to occur. My government intends to slash the corporate, income, capital gains, fuel, alcohol, tobacco, fringe-benefits and luxury car taxes over the upcoming financial year, whilst removing electricity supply from GST and returning gas royalties to the Commonwealth. Over $40 billion will be returned to the Australian people directly, along with boosted wages, jobs, investment and economic growth.
My Government is committed to developing massive infrastructure projects around the country, beginning with the proposed City of Sada in South Australia. My Government is also committed to expanding communication lines, wireless network towers, and satellite coverage for rural Australians. In addition, it is committed to expanding irrigation projects, dams, artificial bodies of water, and other agriculture aids. We will also introduce a revolutionary plan that would increase the country's water storage by double, effectively ending drought through ambitious projects, such as continuing the New Bradfield Scheme and a multi-stage Mountain Mob Plan. My Government is also ensuring the expansion of the Commonwealth’s road and railroad systems to connect more people across the country at a faster pace, especially with heavy investment into light rail. My government is committed to providing high quality infrastructure and transport to all Australians. In an increasingly urbanised Australia, we need to ensure that rural areas are not left behind in infrastructure and transport planning, and ensuring that all of Australia is given the infrastructure it needs to thrive.
The encouragement and facilitation of wealth so that all may enjoy the highest possible standards of living, health, education and social justice, is essential in creating equal opportunities for all Australians. My Government is committed to ending the COVID-19 pandemic in our country once and for all, and it is committed to fund the resources needed to win this war. My Government will amend the Emergency Government Control and Streamlining of Industry Act 2020 to reincorporate the definition of a public health crisis as the original version contained in order to be able to implement the provisions of the Act for this pandemic emergency. Improving healthcare is a priority for my government who will seek to reduce the Medicare levy threshold for senior Australians, phase down Lifetime Health Cover and the Medicare Levy Surcharge, include dental care within medicare coverage, increase general access to psychologists, establish photographic identity on medicare cards, promote a competitive market among savings accounts providers including transparency with respect to fees, operating expenses and remuneration of trustee and promote comparison shopping by requiring health, disability and aged care providers to publish price lists.
My Government is dedicated to the advancement of this nation’s education systems and standards, while also maintaining a sound economic approach towards education. My government will commit to implementing a National School Health Plan in this nation, to ensure that the next generation of our children will grow up with proper fitness levels and proper nutrition. My government will also implement a Teaching Excellence Scholarship program for all students who earn above 80 in the ATAR, with the provision that they are to qualify as and work as teachers in an Australian government school for a set period of time. This will be combined with an advertising program and structural reforms to teaching rolls in education institutions to encourage more high school graduates to engage in Bachelors of Education. My government will also roll back some of the free university programs in this nation, to ensure the proper funding of all facets of education in this nation. The program will remain free for those coming from households earning a combined $90,000 dollars or less, with the reintroduction of HECS fees for those who fall above that line.
My Government is committed to providing capacities for law enforcement on the local, State, and Federal levels to deal with criminal affairs, counter-narcotic operations, counter-insurgency and riot control operations, and counterterrorism operations. My Government is also committed to reforming all law enforcement departments within the nation, whether they be local forces, State forces, or the Australian Federal Police and other Commonwealth policing forces, by strengthening the Australian Commission on Law Enforcement Integrity, reforming the training and education aspect of policing and police recruitment, and preventing police unions from holding a major grasp on the judicial system and freeing thousands of police officers who commit crimes against the people.
Australia has a constructive role to play in maintaining world peace and democracy through alliance with other free nations, which is met through maintaining our strong alliances with nations that share our values of freedom, democracy and productive international discourse. My Government is boosting Australia’s international relations while maintaining our moral integrity as a nation that respects the sovereignty of others. We will continue to be active members of the United Nations and other international organisations. My Government will expand Australia’s role as the largest nation in the Pacific region and secure good ties and alliance treaties with our neighbours, particularly New Zealand, Fiji, Papua New Guinea, and others. We will also increase and improve our diplomatic and economic relations with the United States, the United Kingdom, the European Union, India, and Japan to ensure Australia is not reliant on one nation for trade any longer. My Government is also committed to combating the dangerous influence of the People’s Republic of China and holding them to account for their actions in Hong Kong, Xinjiang, and Wuhan in all the international forums possible and continue to call for an international investigation of the COVID-19 outbreak and the causes thereof, especially in relation to the Chinese government. My Government is also seeking to expand relations with the nations of the Quadrilateral Security Dialogue to provide better relations with each other and engage in mutual alliances in defence, trade, infrastructure, student exchange programmes, and many other actions.
My Government is committed to returning all Australian military personnel home from all active deployments abroad by Christmas. In addition, my Government is committed to the streamlining and upgrading of current military technologies in the defence industry without increasing spending to safeguard our nation’s defence more easily and, ultimately, reducing costs required for maintenance and replacement. My government is committed to stopping the deaths at sea, which are a result of mass boat arrivals. My government strives to turn back boats at sea, and prevent further people smuggling operations in Australia. My government will protect the Australian people and crackdown on trafficking. My government will strengthen migration character requirements and ensure that all migrants are assessed equally.
In preserving Australia's natural beauty and the environment for future generations, my government seeks to establish the Green Australia Scheme Commission to regulate the programmes of the Green Australia Scheme which will plant over 30 million new trees and form 3 new national parks. My government will abolish the carbon tax, which is expected to kill off nearly 100,000 jobs; and replace it with a market-based, cap and trade Emissions Trading Scheme. My government will exterminate poisonous species of fish, such as carp, in our waterways with controlled herpes and spur economic growth in regional communities to upskill regional Australians and create vast job opportunities with a Regional Jobs and Investment Fund.
I have the utmost confidence that my Government will deliver for Australians in this time of need, and that my Government will deliver what was previously specified to the best of their abilities. There will be a budget that will allow Australians to keep more of what they earn, and my Government will ensure that our tax plan is one that makes sense for the context of the Australian family. The excessive burden that past Governments have imposed on the Australian family must come to an end, and my Government’s formation marks the return of a previous crusade. My Government will also end the urban-rural divide, and my Government will seek to make Australia a more equitable place to live regardless of what region one finds themselves to reside in.
As the President, I find myself in a position that warrants an alternative title of peacemaker, however peace must be upheld by all politicians in the land, and I instruct this Parliament to go forth and conduct their business in a civil manner and move forward from whatever feelings and emotion that the recent election may have espoused as one. Australia must be bold, be brave, and be grateful that regardless of whomever leads us that the institutions our forefathers handed down to us are in safe hands, now more than ever before. This upcoming parliament may be divided in houses, but we are a nation bound together by the common bond of mateship and adaptation. We will be tough when needed, but also compassionate and adaptable with change.
I thank all honourable Senators and Members of Parliament for attending this momentous occasion. May the books of history look down upon each and every one of you favourably, may God guide your every path and may God bless Australia.

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