Posts tagged with "money"

Tech illustration by Sara Davidson for 360 Magazine

Tech Industry Billionaires

70% of the Top 10 Billionaires Generated Their Wealth from the Tech Industry.

Data researched by Trading platforms UK indicates that 70% of the top ten richest people amassed their wealth from the technology industry as of March 1, 2021. The top ten wealthiest individuals control a fortune of $1.14 trillion in total, with tech players accounting for $855.9 billion.

Amazon founder Jeff Bezos is the wealthiest person globally with a fortune of $181 billion, followed by Tesla CEO Elon Musk at $174 billion. Microsoft founder Bill Gates ranks third with a fortune of $135 billion.

The report explains some of the underlying factors leading to the tech sector’s dominance of the top ten rich list. According to the research report:

“The dominance of the rich list by the technology industry figures also points to the sector’s resilience in times of crisis. Technology rose to prominence due to its ability to offer solutions to help people cope with the coronavirus crisis. For instance, during the health crisis, most billionaires in the sector like Amazon’s Jeff Bezos amassed more wealth as more people leveraged on e-Commerce platforms amid the lockdown and stay at home measures.”

The U.S. and China together host 49% of the top 500 billionaires globally.

Additionally, the findings reveal that the United States has the highest number of billionaires globally at 156, while China ranks second at 86. The two countries, therefore, account for 49% of the top 500 billionaires globally.

Germany is third with 28 billionaires followed by Russia at 24. Hong Kong and France follow, with each having 17 billionaires. The United Kingdom and India each have 16 billionaires. Canada is ninth with 15 billionaires while Sweden is tenth with 11 billionaires.

The analysis also shows that the tech industry has the highest number of billionaires globally at 84. Industrial ranks second with 56 billionaires followed by diversified at 50 while the consumer has 43 billionaires. Finance has 37 billionaires, while entertainment has the least billionaires at 10.

For further statistics and information, please visit this website.

Cryptocurrency by Heather Skovlund for 360 Magazine

German Alternative Currency Development

Just 43% of Germans Still Trust European Central Bank, Cryptocurrencies as Alternative Currency Benefit from Development

  • Only 43% still have faith in the European Central Bank
  • Confidence in decline since autumn 2018
  • Lack of trust a potential driver for Bitcoin & Co’s price rallies

A mere 43% of German citizens have confidence in the European Central Bank (ECB). Trust in the European Union institution has been falling since autumn 2018–and the pandemic seems to be fueling the trend even further. As can be seen in a new infographic from Kryptoszene, skepticism could be one of the reasons behind Bitcoin & Co.’s rally.

Citizens’ confidence in the ECB rose between 2016 and autumn 2018, but has been fading since then. The central bank’s specific policies aside, there is a growing mistrust in the stability of the financial and monetary system.

This development seems to be working in cryptocurrencies’ favor. 5% of professional investors are convinced that distrust in the current monetary system is a strong price driver, with the value of Bitcoin rising by around 412% within the last 365 days.

Meanwhile, Germans also seem to be relying increasingly on cash. As shown in the infographic, just under one in five Germans believe that people hold cash in order to protect themselves from bank and state failures.

“Trust is a central bank’s most precious asset. This has been damaged recently, possibly in part due to loose monetary policy in response to the corona crisis,” according to Kryptoszene analyst Raphael Lulay. “Although the damage does not seem to have reached a critical level just yet, alternative currencies are already benefiting.”

To read further and see more statistics, please visit Kryptoszene.de’s website.

About Kryptoszene.de

Kryptoszene.de is a news and information platform that publishes cryptocurrency forecasts, investment news, background reports, analyses and instructions for buying and trading cryptocurrencies and other assets.

Back to College by Mina Tocalini

Tips to Keep Finances High as a Startup Owner

One of the primary challenges of running a brand new business is trying to keep finances as high as possible, while also taking risks to ensure that the business remains relevant in a competitive industry. To a startup, just about every decision made is a potential risk, as there are plenty of ways for things to go wrong. Thankfully, the potential reward is often high enough that the risks tend to even out as time goes on.

That said, a startup needs a steady stream of finances to keep going — though not every inexperienced startup owner is prepared to keep a stern eye on their finances. In such cases, preparation is the name of the game. Here are some top tips to help keep finances as high as possible as a startup owner.

On the topic of covering your bases

They often say that to make money, the first order of business would be to understand how to spend money. There are few things that encapsulate such a saying more than the use of insurance options for the company. No matter the chosen industry, it is crucial that you have a firm understanding of the insurance you need for your business.

For example, as a realtor, it is all about matching clients up with the perfect home. But, it can be extremely challenging to accomplish that without the necessary real estate agent insurance, found at Next. Small businesses have to take note, as there are specific types of small business policies that can help startups keep a solid level of coverage, without losing too much money.

The benefits of hiring an experienced accountant

Those looking to manage their finances as tightly as possible would do well to hire a professional such as an accountant, as startup management can often mean a mountain of paperwork for the unprepared. That being said, the idea of hiring an experienced accountant is not just to keep the paperwork and finances in order — it is also about understanding which moves to make next as a company.

Not only do experienced accountants have years of practice under their belts, but they can also provide valuable advice based on their wealth of business knowledge. It always pays to utilize experienced professionals to fill the gaps.

Maintain consistency with social media

To obtain a steady stream of revenue as a startup, one of the best ways to get the job done would be to show prospective clients and supporters that the company is worth supporting. For example, maintaining an active account on social media shows online users that the company is always willing to interact with their audience. Even if the services might not be quite there yet, a company that remains consistent in its desire to make improvements based on feedback is often what wins the day.

While keeping finances out of the red while simultaneously taking risks as a startup can be a challenging tightrope to balance on, it doesn’t have to be a miserable process. Making use of the best practice methods above is enough to guarantee a solid foundation.

Learn About Paying A Personal Loan Off Early

A personal loan is something that can be very helpful to a lot of people. When you are in need of money, you may not be sure how you are going to get those funds. That is when you may have learned about personal loans, and how you can use those to your advantage. Now you are wondering whether you can pay back the loan in quick time.

Paying Back Personal Loans

When you get a personal loan, you likely entered into an agreement about when you would be paying back the money. Most of these involve monthly installments, where you are paying a small amount each month and eventually your balance is paid. It can take anywhere from one year to a few years depending on your terms.

There may be situations where you are thinking about paying off the loan sooner. Perhaps you have come into some money, or maybe you are wanting to get this loan out of the way so it is not on your mind anymore. 

Paying A Personal Loan Off Early

Many people ask, can you pay off a personal loan early, and it is a legitimate question. The answer is that in 99 percent of cases, you are free to pay off a loan as early as you want. 

There are some cases where you may be charged a prepayment penalty, but it is usually less than what you would pay in interest if you paid the loan on time.

The only question you have to ask yourself is whether you are in a financial position to do so. Some people get the idea in their mind that a loan must be paid off right away, and it results in them using too much of their savings on that repayment.

What you must ask is whether you have the money to make the full repayment of the loan, and whether or not doing so would benefit you.

Advantages of Early Repayments

One of the most significant advantages of paying back a loan quicker is avoiding interest payments. When you take out a loan, you are agreeing to an annual interest rate on the balance that is left at the end of each month.

That means if you have money left following each payment, you are going to get an interest charge at the end of the next month on that balance. 

If two people borrow $1,000 with the same annual interest rate, but one person pays off the loan in six months compared to twelve months, they would make fewer interest payments.

Another advantage to repaying a loan quickly is that you no longer have it hanging over your head. Perhaps your mental and emotional health is suffering from being in such debt, and you cannot wait for the day that your loan is paid off.

Taking care of the problem early would alleviate you from a lot of that tension. But you must be smart about how you pay back any loan.

Deciding on When to Pay Off a Loan

Perhaps you received a financial windfall at work or through a government tax refund. That is money you can use to pay back your loan, but it could also be put to other uses.

Is the loan you are thinking of paying off your only debt? If you have other debt, you should consider the interest rates on those loans or credit cards. There is no sense in paying off one loan in its entirety if it prevents you from making regular payments on other debt.

Being strategic about repayments is the only way that you can preserve your financial situation. Sometimes it is better to pay off a loan over time, rather than putting all your money into one basket.

Avoid Future Financial Problems

Think about the reason why you borrowed money in the first place. Was it to manage your regular expenses or to pay bills? If that is the case, you may be better served by putting unexpected earnings into your savings account, rather than paying off loans in their entirety.

You can never be sure about how much you will earn in the future. Perhaps you may need some of those savings a few months down the line.

The choice of paying off a loan early is one that is entirely up to the borrower. Unless you have huge interest charges on that loan, it is not necessarily the best course of action to pay a loan off early. You may be better off putting that money in savings or using it to pay other debt.

Is Gambling Responsibly Simply a Myth?

Recreational gambling can be a fun and entertaining activity for many people, but it can sometimes tip the scales into problematic behavior for others. The adrenaline rush of a big bet and the thrill of winning a jackpot keep many coming back for more, even when they shouldn’t.

We’ve all seen advertisements for “responsible gambling” on television in our daily lives but what does that actually mean? And more importantly, is this even possible? 

What is Responsible Gambling?

Responsible gambling is defined as: “Exercising control and informed choice to ensure that gambling is kept within affordable limits of money and time, is enjoyable, in balance with other activities and responsibilities, and avoids gambling-related harm.”

This ubiquitous phrase is used to remind players of the importance of maintaining a clear head when playing the odds. Essentially it references the age old saying “It is just a game,” urging players to stay in touch with reality. This idea, however, has been criticized for being a myth that is impossible to achieve, especially for players that struggle with addiction or lack of self-control. 

Top 6 Ways to Gamble Responsibly

Responsible gamblers know the risks involved with gambling and think of it as a cost of the entertainment, just like going out to dinner, the movies, or going on a vacation. Setting out on any excursion with a fixed budget makes smart fiscal sense in every aspect of life — and gambling is no different. 

Just as you would not invite your friends out to a 5-star restaurant that you knew you could not afford, gambling without mental and financial safety precautions is a recipe for disaster. In order to gamble responsibly, take charge by following some simple tips before you set out.

1. Learn the Rules and Odds of the Games that You Play

Hobbyists know their favorite pastimes better than anyone else in the world. Knowledge of your leisure pursuits is a great way to not let them get the best of you, especially when it comes to real-money gambling. 

When choosing a game to play, make sure you’re well-versed in the rules, the casino’s guidelines, and best practices involved in a given game. And whether it’s roulette or blackjack, bear in mind the odds to make an informed decision and your best bet. Being prepared is always the best bet.

2. Don’t Play with Money You Don’t Have

You wouldn’t spend your rent money on a designer handbag or an unreasonable car lease. Likewise, you should never use money to gamble that you need for your living expenses. Remembering priorities is essential.

Responsible gamblers never play with money that they aren’t willing to lose. As an entertainment expense, any losses simply add up to a fun evening out with friends, not serious financial problems the next day.

3. Set a Time Limit

If you’re worried that you might get carried away, a good rule of thumb is to set a time limit for how long you’re able to gamble before it’s time to call it quits. When you’re having a fun evening, it can be easy to lose track of time. By setting an alarm and having a hard end to your playing is a smart idea before you get started.

4. Set a Money Limit

Setting a dollar limit for yourself before you start playing is one of the smartest things you can do to gamble responsibly. 

Some online casinos have a loss limit feature that allows you to program in a maximum amount that you’re willing to lose in a given time before the system prevents you from placing another bet. The loss limit feature works very well for some people but for many, it doesn’t work at all. For many, they hit the limit and simply join another casino. If this is you, consider alternate means of self-control and consider asking for assistance.

5. Don’t Gamble Under the Influence

With a great game plan for responsible gambling and a fun time ahead, it would be a shame to throw away all of your best intentions by getting inebriated and failing to follow your own guidelines.

Gambling responsibly can be an exciting and entertaining activity but without a clear head, some players may unintentionally go a bit overboard. Gambling culture, especially in-person, often encourages players to drink while they play. A glass of wine or a single beer while playing might not be disastrous, but it is important to comprehend your limits.

6. Never Play Because You Need to Win

Problem gamblers sometimes fall into the trap of using gambling to make money they need for their day-to-day lives. It is always a bad idea and can lead to serious problems, especially with something as random as chance itself. Make sure even as you play, you are grounded in reality.

Play Smart

These suggestions are not foolproof, however, and can be quickly thrown out the window when a player is in trouble with their gambling, whether through a serious addiction or fear of financial ruin. It is important to consider your circumstances, your headspace, and your ability to stick to a plan before even going near a casino. 

Responsible Gambling Can Be Possible

Knowing yourself is key. If you know that you’re not able to follow your own prescribed rules, gambling responsibly may not be possible for you to do successfully. Maintaining a healthy relationship with your hobbies and leisure activities is essential.

As you can see, however, it is possible to gamble responsibly if you’re able to stick to a plan. By maintaining these standards, responsible gambling can be just like any other form of paid entertainment. If one approaches it with a clear head and knows their limits, a good time can be had by all. 

Allison Christensen Illustrates a Music Business Article for 360 MAGAZINE

VEVA Sound X Quansic

VEVA Sound announced Tuesday that users of its platform are now able to register for an ISNI number for free.

An ISNI is an International Standard Name Identifier, a number uniquely identifying an individual in the music industry.

VEVA Sound verifies archived projects for clients. By partnering with Quansic, a leader in ISNI services, to facilitate registrations, it is now easier for creators to get credit and payment for their work.

FX Nuttall, the founder of Quansic, said the partnership made perfect sense for the company, as both Quansic and VEVA Sound share a vision that creators should be able to be identified easily and early in the creative process.

“As this partnership continues into the future, we are enthusiastic about introducing VEVA Collect’s users to our products — starting with ISNI registration before addressing the allocation of ISRC for Recordings and BOWI for Works,” Nuttall said. “We at Quansic are focused on enabling 100% identifier coverage for all, and our friends at VEVA provide an unprecedented opportunity for the independent creative community to do just that.”

President of VEVA Sound Deborah Fairchild said she is excited about the partnership and for the new opportunities for artists and creators who use VEVA Collect for payment for their work.

“FX Nuttall is widely respected in our industry, and we are proud to avail his expertise to our users through Quansic,” Fairchild says. “We believe it is imperative that we empower creatives with every resource available to receive authenticated credit for their work.

VEVA Sound was founded in 2002 and works to spearhead the movement to define, create and implement the standards for how sound is preserved and monetized. They now have offices in New York City, Los Angeles, Nashville and London where they work with clients to verify and archive audio and metadata.

To learn more about VEVA Sound, you can click right here. You can also follow them on Twitter, Instagram and Facebook.

You can learn more about Quansic by clicking right here.

Presidential candidate illustration

Presidental Campaign Money

By Hannah DiPilato

Both President Donald Trump and presidential candidate Joe Biden have splurged a fair amount on their 2020 presidential campaigns. Biden’s campaign along with his allies have spent an estimated $600 million while Trump’s campaign and his supporters have spent a little over $400 million. 

Over $1 Billion has been spent between the campaigns on TV advertisements in only 13 states alone according to an NPR analysis from the tracking firm Advertising Analytics. This money is being used to target six states: Florida, Pennsylvania, Michigan, North Carolina, Wisconsin and Arizona. TV ads may be playing a larger role in the presidential campaign this year because of the pandemic keeping so many Americans at home watching TV. 

Tracked by Ad Age Datacenter, for the presidential, congressional and gubernatorial races, campaign spending has now surged past $3 billion. This hefty amount includes TV, radio and digital ad spending. The digital ad spending includes Facebook and Google properties only for presidential candidates. 

This is “the most expensive election in history,” according to CNBC. The expected total spending for the 2020 election is predicted to be a whopping $10.8 billion according to the Center for Responsive Politics. This prediction takes into account both presidential and congressional races. CRP has recorded the election has already cost $7.2 billion, so the $10 billion milestone isn’t far out of reach. 

“The 2018 election smashed fundraising records for midterms, and 2020 is going to absolutely crush anything we’ve ever seen — or imagined — before,” Sheila Krumholz, executive director of CRP, said in a statement. “This is already the most expensive presidential election in history and there are still months of election spending to account for. The unanswered question is whether this will be the new normal for future elections.” 

So far Biden has topped the charts for his advertising spendings. Between September 28 and October 11, Biden estimated spendings have been $55,928,770 and his ads have aired about 80,452 times. Trump trails Biden with estimated total spending of $31,796,960 and 32,011 airings in the same time period. 

The Biden campaign has been able to air ads in 17 states, even though there are many fewer states considered a close race. The campaign cost continues to grow over the expected TV budget of $280 million. “If we didn’t have the resources we had now, we’d be having to make [some] hard choices right now,” said one Biden campaign official.

Bill Stepien, Trump’s campaign manager, said the campaign has “more than sufficient air coverage.” He also stated that the campaign has spent more than the Biden campaign in different areas such as Facebook ads. 

The Biden is not shying away from spending and they plan to keep spending as much cash as possible until the campaign concludes. However, in the event the result of the race is contested, the Biden campaign is reserving money for legal fights.

Ethereum Accounted for 96% DeFi Transactions in Q3 2020

Ethereum Accounted for 96% DeFi Transactions in Q3 2020 as ETH Miner Fees Double Bitcoin’s

According to the research data analyzed and published by StockApps.com, Ethereum’s transaction volume soared to $119.5 billion in Q3 2020. In comparison to the $10.2 billion volume posted in Q2 2020, that was a 1,200% increase.

Based on Coinmetrics’ data, Ethereum fees shot up during the same period, eclipsing Bitcoin’s fees for the first time on August 13, 2020. As of September 2020, ETH fees stood at $276 million, nearly double Bitcoin’s $146 million.

Ethereum Miners Made $113 Million from Fees in August, 38x Increase from April

The surge in transaction volume and fees on the Ethereum blockchain was linked to the recent Decentralized Finance (DeFi) hype. DApp Radar reveals that during the period, DeFi apps accounted for 99% of all transactions on the network.

The total DApp transaction volumes on all platforms in Q3 2020 reached $125 billion. There was an increase of $113 billion quarter-over-quarter (QoQ). Most of the activities took place on Ethereum, TRON and EOS. From the total value created, Ethereum accounted for 96%. With 1,956 apps, it was the top DApp blockchain during the period.

Coinmetrics’ data reveals that Ethereum transaction fees surged from $21.98 million on June 1, 2020 to $77.77 million on July 31, 2020. In August, Ethereum miners made $113 million from transaction fees according to Glassnode. That marked a 38x increase from the $3 million recorded in April and a 1.8x increase from the January 2018 all-time high. In September, miners for the first time earned more from fees ($172M) than they did from block rewards ($150M).

According to Glassnode, Ethereum miners made a record on September 1, earning $500,000 in one hour. Daily earnings on that day doubled to $16.5 million from $8.1 million the previous day. On September 2, they made a new record with the average hourly revenue surging to $800,000. They broke this record on September 17, reaching $938,000.

The full story, statistics and information can be found here.

Online Casino Bonus Guide for Players in the US and UK

The Ultimate Online Casino Bonus Guide for US and UK players

When you first enter the extraordinary world of online gambling, you will be faced with an inevitable question that will present itself the moment you walk through the virtual casino doors: what is an online casino bonus?

As you are greeted by the plethora of alluring promotional offers, it’s crucial that you understand what you are dealing with before you start on your bonus-infused online gambling adventure.

So, how exactly does a casino bonus work? What types of bonuses are available in the online gambling industry? Are there any terms and conditions I should be aware of and when should I claim a bonus on my account? All of these questions will be answered in our ultimate online casino bonus guide for US and UK players.

However, if you are simply looking for a top recommendation straight off the bat, All Star Slots Casino is mainly for US and UK players and impresses with a wealth of features and bonus offers that is sure to satisfy even the most avid gambler.

What is a Casino Bonus and How Does it Work?

The online gambling landscape would be unimaginable without promotions and bonuses spread across big, colorful banners to excite UK and US players from. It’s a wonderful incentive for the time and money you invest in the site and is a great way to reward you for your loyalty once you become a regular player. The online gambling market continues to expand as more and more gambling sites are flooding into the market.

In fact, the industry is so competitive that casinos need to create new and exciting ways to attract players to their sites and the best way to achieve this is through online casino bonuses. So, what is a bonus, anyway? To put it simply, a casino bonus is essentially an incentive that is offered by the casino to attract players to the site. Casino bonuses can be used to entice new players to register or to keep existing players from leaving by boosting their bankrolls with additional funds. The bonus funds that are added to your account can be done in one of several innovative ways which bring us to the next question: what types of casino bonuses are available to players in the UK and US?

Types of Online Casino Bonuses for UK and US Players

You will discover that there is a casino bonus for each and every player in the online gaming industry. You can look forward to bonuses that don’t require a deposit, welcome packages on your initial deposit, payment specific promotions, and the freedom to claim these offers on either your desktop or mobile device. In fact, claiming promotional offers while away from home is only one of the advantages of gambling on your mobile device. With that in mind, let’s take a look at the types of casino bonuses you’ll come across in the UK and the US along with a brief description of each.

No Deposit Bonus: This is exactly as the name implies, a bonus that you will receive without making a deposit. No deposit bonuses are primarily offered to newcomers for simply registering a new account and come in a variety of flavours, including a free cash offer, free spins, or free play. It’s perfect for online players that want to test the waters before committing with a real money deposit.

Welcome/Sign-Up Bonus: This is undoubtedly the most popular offer in the industry and it usually doubles, triples, or even quadruples your initial deposit made at the casino. It’s the casino’s way to welcome you to the site and to thank you for choosing them over everyone else. You will even come across welcome packages that contain a welcome bonus and a number of free spins on a popular slot to further entice you to make a deposit.

Reload Bonus: Once you’ve claimed a no deposit bonus and welcome package, you will be deemed an existing player, opening up the doors to ongoing promotions. One of the most popular promotions for existing players is the reload bonus. It’s basically a deposit bonus with a smaller match percentage when compared to the welcome bonus. For instance, where a welcome bonus might offer 100% up to $100, a reload bonus will offer a 25% match up to $50.

Cashback Bonus: This offer is designed to give you a percentage back on your losses for either the week or month. For instance, if you lose $100 during the week, the casino would usually credit a 20% or 30% cashback bonus based on your losses, giving you a second opportunity to enjoy your favorite games without making an additional deposit on your account.

High Roller/VIP Bonus: These types of bonuses are specifically designed for high rollers and VIP players that are planning to deposit well-over the usual deposit amount. These offers are usually not displayed within the promotions section. Therefore, you will need to contact support and find out what high roller packages are available, depending on your deposit size.

Loyalty Bonus: Most gambling sites will come equipped with a loyalty program where you can earn loyalty points for every wager you make at the casino. Once you’ve accumulated enough loyalty points, you can redeem them to unlock additional bonuses or free spins on your account.

Refer-A-Friend Bonus: There is nothing better than enjoying your favorite casino games with friends. This is why gambling sites created this innovative promotion that will allow you to earn an additional bonus for simply referring your friends to the site. Most referral bonuses will require that your friend register a new account and make a minimum deposit before you’ll be rewarded with a Refer-A-Friend bonus.

Complimentary Bonus: This type of bonus will usually be based on your financial history with the casino. If you have a bad run, or you feel like making a deposit on the day, you are welcome to contact support and request a complimentary bonus. Should your financial history prove that you’ve been a loyal and consistent player, you will receive a complimentary bonus as a thank you for your patronage.

Birthday Bonus: This is credited to your account once a year to celebrate your birthday and the size of the birthday bonus will be based on your financial history, much like a complimentary bonus.

With so many promotional offers at your disposal, it’s easy to understand how the online gambling industry continues to grow in the United Kingdom and the United States with each passing year. The only pitfall when it comes to online casino bonuses is the terms and conditions which is the next topic that deserves your attention.

Promotional Terms and Conditions to Consider:

All promotional offers will be restricted in one way or another to ensure players don’t bankrupt the casino. The restrictions will always be presented in the terms and conditions and it’s here where most players get in trouble as they simply don’t take the time to read through the fine print. Most online casino bonuses will have similar terms and conditions, including:

Wagering Requirements: This will tell you how many times the bonus needs to be wagered before it’s allocated to your cash balance, ready for a cashout. For instance, a typical welcome bonus needs to be wagered 40 times before it’s cleared.

Game Contributions: Every casino game will contribute a different percentage towards your wagering requirements. For instance, slots will usually count 100% towards wagering, while video poker and blackjack might only contribute 5%.

Expiry Date: All bonuses will have an expiry date, indicating how long the bonus will be available on your account before it expires. No deposit offers last between 7 and 14 days, while welcome bonuses usually last up to 30 days.

Cashout Limit: This restriction is usually found in no deposit offers and indicates the maximum amount you’ll be allowed to withdraw from a no deposit bonus. Most gambling sites in the US and the UK will go as high as $200 as a withdrawal cap.

When to Avoid Casino Bonuses

Now that you have a better understanding of what a casino bonus is, how it works, and the types of bonuses you can claim, it’s time to look at when to avoid a bonus. When a bonus sounds too good to be true, it usually is. Casinos might impress you with the biggest bonus offer in the world that you can claim with the smallest deposit. However, when you look at the terms and conditions, you’ll quickly understand why it’s not worth your time or money.

Most gambling sites will trick you into claiming a bonus and will then make it impossible to accumulate any winnings due to unreasonable wagering requirements. Some might only use slots to contribute to your playthrough requirements, while others might increase the wagering requirements to make it impossible to actually clear the bonus.

You will also find gambling sites that shorten the expiry date, making it harder to clear the bonus in the given time frame, while others will limit your withdrawal limit, forcing you to play your winnings instead of cashing out what you earned. Apart from the terms and conditions, you should also avoid claiming bonuses when the casino isn’t licensed and regulated by a reputable regulatory body.

With the ultimate online casino bonus guide, you will have all the tools at your disposal to confidently claim a bonus without having to worry about falling prey to rogue casinos or claiming an offer that comes equipped with arbitrary terms and conditions. You should also have a good understanding of the types of bonuses in the online gaming industry and whether it’s suited for your own unique playing style. Claiming casino bonuses is a fantastic way to keep yourself entertained and is one of the self-care tips during COVID that you can use to escape reality while giving yourself the opportunity to win some cash in the process.

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LaMelo Ball illustration by Kaelen Felix for 360 magazine

LaMelo Ball Joins PUMA

By Justin Lyons

LaMelo Ball, top 2020 NBA Draft prospect and younger brother of New Orleans Pelicans point guard Lonzo Ball, signed with the sports company PUMA for a long-term sponsorship deal.

Ball said he’s excited to join the PUMA family as he kicks off his basketball career.

“I believe the brand is the perfect partner for me because PUMA will allow me to just be myself. I want to be 100-percent authentic whether that’s playing basketball or showing off my personal style, and that’s what I want to do with PUMA,” Ball said.

The 6-foot-7-inch guard with elite passing skills opted out of college basketball in favor of professional contracts in Lithuania and Australia.

Adam Petrick, the global director of brand and marketing at PUMA, said Ball is a natural fit for PUMA because of his personal style and his “physical gifts and dynamic play on the court.”

“We are thrilled to add him to our roster of talented athletes, and at just 19 years old, we can’t wait to see his impact on the broader culture surrounding basketball,” Petrick said.

The first collaboration between the young phenom and PUMA will come in the form of a PUMA x LaMelo Ball T-shirt and hoodie set. The set will release Nov. 18, the same day as the 2020 NBA Draft where Ball is expected to go in the top five.

PUMA also intends to blur lines between sports, culture, music and fashion with its approach to the collaboration with Ball, which will likely be seen in the form of shirts, shoes and other apparel.

The partnership will follow PUMA’s “Not From Here” concept, something Ball cooked up himself to represent his unique attitude.

“I don’t know what normal is. I personally chose a different path to achieve my success because that defines who I am,” Ball said. “I know some people think I am mysterious or ‘not from here,’ and I might have to agree. I am someone who likes to be different and consider myself to be one of one. That’s the message I want to share in my upcoming projects with PUMA.”

Ball and PUMA will also join forces to host basketball camps, clothing donations, court refurbishments and more to support programs that encourage young athletes stay active.

With names like RJ Barrett, Kyle Kuzma and Deandre Ayton highlighting the list, Ball is the latest in a line of young talent to join PUMA.

In Ball’s 2019-2020 season as a member of the Illawarra Hawks, he played just 12 games before injuring himself during practice and deciding to leave for the NBA Draft. He averaged 17 points, 6.8 assists and 7.6 rebounds per game.

The Minnesota Timberwolves have the first overall pick in the 2020 NBA Draft after winning the NBA Draft Lottery. The Timberwolves had a 14% chance at landing the first pick, tied for the best odds with the Cleveland Cavaliers and the Golden State Warriors, the team holding the worst record in the league.

With the Timberwolves trading for star guard D’Angelo Russell last season, mock drafts appear to have Minnesota targeting Anthony Edwards, the wing player out of Georgia.

Without a consensus first pick, there is also speculation that Minnesota could trade out of the first pick, opening an opportunity for a team looking for a point guard with passing abilities like Ball’s.

It all remains to be seen the night of the Draft Nov. 18, where one thing is for sure: LaMelo Ball’s name will be called.