Saving, investing and making money with technology

Author: tracy collins

How To Start Your Savings While Being In College?

Saving money while studying might just be the biggest challenge you can face as a college student. With different academic expenses and quality of life items you need to buy on a daily and weekly basis, how can anyone manage to save money when college comes knocking?

Luckily, there are ways to control your spending by carefully planning out your savings. What are some of the most useful and easy-to-manage ways to start your savings while still being in college?

Start a savings account

The hardest step is the first step; no matter what you try doing in life. Going to a bank and opening a savings account will give you good motivation to start putting some money on the side early on. Even if you put a couple of dollars into the account each week, you will find yourself in a good position once the academic year is over.

Keeping a saving intact without a bank account is very tempting and difficult for anyone, not just college students. Make it easier on yourself and visit a local bank to inquire about student savings accounts.

Using second-hand textbooks

No professor will care if your books are old or new. What they will care about is your willingness to use them and your ability to follow the curriculum. Talk to some of the seniors at your college and look for second-hand books online.

They are much cheaper than brand new textbooks from your college library. Most of your junior expenses will come from buying new books and equipment for studying, but you can save a lot of money just by looking for used things before opting for new ones.

Opt for cheaper housing

Depending on the country or state you will attend college in, there are different options available for housing in each. Some countries encourage students to live in dormitories with fellow colleagues which automatically translate to having a roommate. Some countries have expensive dorms that many students skip and decide to live in flats and shared apartments across the city.

A good way to control your spending urges is to think about college. The main reason you have moved away from home and started a student’s life is to develop your skills and gain an academic degree down the line.

This will require a lot of effort and sacrifice on your part, which in turn translates to very little free time for spending money. Studying instead of going on a shopping spree is a good way to control your savings and it will also help you handle your courses a lot easier.

Plan your grocery list

It’s very difficult to write things down and then follow up on them to the letter. Planning your grocery lists before going out will save you a lot of time and money down the line, no matter the situation you find yourself in. You can also save time with essay writing companies if you find yourself in a difficult scheduling position.

Grocery shopping is an essential part of college life that can easily eat up your savings if you are not careful enough. Buy the elementary things you need for food, hygiene, and cleaning without glancing at snacks or unnecessary items.

Stay away from entertainment

Opting for free TV, internet, and free-to-play games can help you save a lot of money during your college years. It’s easy to fall into the temptation of buying games or paying for monthly subscription services that you won’t have the time to use anyway.

Try finding your entertainment on YouTube, Tumblr and similar websites that can actually help you learn something new. Listening to podcasts is also free and can help you prepare exams and learn new things about the world without paying a dime.

Limit your credit card use

Stick to using your cash allowance and pocket money instead of drawing your credit card. Your parents and family might give you some spending money to get you by and it should be enough for elementary college expenses.

However, we all know that sometimes this isn’t enough and you will have to use the credit card allowance your parents sent you. Keep these expenses to a minimum and only use card payments when there is no other option.

Go out – moderately

College is all about socializing with colleagues and new friends you will meet on campus. It’s only natural that you will have to go out every once in a while and pay for your drinks. Make it a practice to only go out to a coffee place or a club once a week as a treat to you.

You don’t need to explain yourself to anyone and just embrace the habit of limiting your outside expenses. It’s far cheaper and more enjoyable to invite your friends over for homemade coffee and talk without having to think about the bill later on.

Work on your self-control

There will be times when you lose control and spend some extra money on something you really wanted – and that’s okay. You are studying full-time to become a professional in a field that you love.  This requires a lot of concentration and self-sacrifice, so what if you spent a little extra and bought yourself a treat? Just because you are working on your savings doesn’t mean that you should stop living your life.

Final thoughts

Working on your savings is a long-term process that won’t happen overnight. Do your best to put aside as much money as you can but don’t sacrifice elementary living expenses in order to do so. College is only a small part of your life that leads to better things, so make sure it’s memorable for you.

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5 Main Rules of Secure Payments on The Web

Making use of online payments is something available to everyone. However, not every website or alleged service you come across will be legitimate. A number of phishing websites and fake payment operatives are set up throughout the internet, praying on the unfamiliar and elderly.

Payment security issues are a constant threat on the internet, one that will never go away due to the number of active hackers. What are some of the ground rules you need to be aware of when paying for something online?

1. Use of trusted platforms

Whenever you are buying something online, make sure that you only do so through trusted platforms. Websites such as Amazon, eBay or Walmart or reliable writing companies are trusted when it comes to using your payment information.

These sites are only supposed to take as much money from your cards as the receipt tells them to, drawing an exact amount from your account (with the added transfer charge). If a website takes more than it was supposed to or if you notice additional charges several days later, you should contact your card provider immediately and block this service from your card. A good and reliable way to distinguish reliable site from dishonest is check the protocol of it, whether it is http or https. Sites that operate with personal and financial information are prohibited to use the http: protocol.

Even if you are using specialized websites for books, clothing or accessories, make sure that you always know what you are getting into by carefully examining the site beforehand. If you are unsure about a website, ask a friend to help you out or find another service that matches your needs.

2. Always check your hyperlink

Depending on how tech-savvy you are, you might know about hyperlinks and how they work. In short, the internet is a repository of hyperlinks, which you access every time you click on a link and go to a different web page. Some of these pages are deliberately designed to look like payment verification pages that ask for your personal information.

Detecting these sites takes a bit of getting used to. They are often masked so well that the only thing differentiating them from real sites is a single letter in the hyperlink.

If you can’t see a padlock icon in your hyperlink bar, you should think twice about entering any personal information that the website is asking of you. While it may be a legitimate site for payment verification, it is more than likely a phishing site designed to take your card information and use it without consent.

3. Stay away from banner ads

Accessing any website through an ad that you saw online might not be a good idea. These advertisement materials show up on a huge number of sites that rely on ad revenue for their income.

However, many of these advertisements are not what they seem, often deliberately masking malicious links as harmless shopping sites, discounts and rewards. This is the traditional tactic of click bait, commonly used amongst scammers.

If you see an interesting ad pop up, ignore it and do a Google search on whatever it is you are interested in. Using Google to access your desired search results is the safest way to avoid malicious content on the web and keep your payment methods secure.

4. Avoid open public networks

Using open Wi-Fi networks is a sure way of getting your information caught by someone you don’t trust. If you find yourself in a park, a coffee shop or a mall and decide to do some online shopping, steer clear of public Wi-Fi networks. It’s far too easy to gain access to devices that connect to these networks and you can have severe consequences for doing so. Use your mobile data for any online shopping you want to do while in public and make sure to do it as fast as possible and keep it to a minimum.

Using your home network and desktop computer is the safest way to shop online while maintaining a relatively high level of security. Not only are desktop computers harder to crack but they are also equipped with antivirus software and better malware detection methods that can help you out tremendously.

5. Check for reviews beforehand

Lastly, it might be a good idea to check for reviews on particular services that you plan on using. If you want to subscribe to a particular unknown service or just use their online features one time, make sure to talk to someone beforehand.

Google searching for user experiences and reviews on particular websites is a good way to verify someone’s credibility. It can also be good practice to check the site yourself, contact it directly, state your intentions and ask for any sort of proof about their legitimacy. Don’t rush into entering your payment information with websites that seem fishy. It might just be personal paranoia, but paranoia can keep your wallet safe when it comes to internet payments.

In conclusion

Web payments have made shopping easier both locally and overseas. You can easily order items from different continents and have them delivered to your doorstep in a matter of days. This sort of technological development has made it easier than ever before to become victim to malpractice, hacking attempts and even identity theft.

Check your favorite websites twice before thinking about trusting them with your personal information. While it may seem like a chore to go through the hoops of checking their background, you would be surprised as to how many fake websites there are on the internet that stalk for unsuspecting buyers and their credit cards.

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The Giant Email Marketing Statistics Guide

Email marketing is one of the most effective internet marketing tools for any business. To be more precise, it is an integral part of an online and offline business. It allows building direct communication between the brand (business, company) and potential or existing customers. Well-designed newsletters, that meet corporate standards and are just interesting for the audience are the well-thought e-mail marketing campaign. Now, this is the most profitable channel of digital communications. You can invest $1 and get back $38, according to experts.

What tasks does email marketing solve?

● Building a long-term customer relationship program;
● Understanding the interests and preferences of customers;
● Stimulating repeat sales;
● Support for loyalty programs;
● Expansion of customer database.

The process of developing an email marketing strategy is quite a challenge. Any mistake can lead to a complete loss of interest in your letters and the brand as a whole. Thus, to build an effective communication strategy via email newsletters and see an increase in customer involvement and their motivation in making purchases, you need to get the proper knowledge. And that’s why the Every cloud team have prepared for you this Giant Email Marketing Statistics Guide. This data can help you to estimate the profit and loss from email marketing. You will be able to develop your own marketing campaign that will work ideal for your business and customers. Knowing how men and women use email can define the right segment of customers. The understanding how consumers use email on various devices will give you a hint where to put an emphasis in the next email campaign. Time, when to send email, will inform you when your customers are more willing to answer you. E-mail marketing is not a rocket science when you know how to use it.

 

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Norton Core Wi-Fi Router Review

Norton Core Wi-Fi Router Review

Almost everyone all over the world is now using internet services. Thanks to technological and livelihood advancements that have made this possible. To get connected to the internet, you probably use a modem or a Wi-Fi router. There are many different types of routers that exist in the market. The type or brand of router that you are using at the moment is probably a very different one from which your immediate neighbor is using. Such is the diversity when it comes to WIFI routers. However, did you know that the advancing technology comes with its negative effects? Today, thousands of internet users have fallen victims of viruses and malwares that have corrupted their computer systems leading to loss and damage of very valuable data and information. A perfect solution for this problem is yet to be found. However, very bold steps towards ensuring your safety on the internet have been taken and we can just hope that these security features get even better. One of the major steps towards eliminating cyber insecurity that cannot go unnoticed is the introduction of the Norton Core Wi-Fi Router. Norton Core Wi-Fi router has completely revolutionized the internet world with its unique, modern and reliable security and technological features that can never be compared to any other Wi-Fi router. In this article, we will be looking at this great tool, to show you why you might just want to part with those few extra coins to own this great and amazing Wi-Fi router.

Norton Core Wi-Fi Router

Norton Core is a Wi-Fi router that is secure and helps in protecting your home network and also protects an unlimited number of your phone devices, computer systems and your smart home devices. This router scans your devices for viruses, malware and also cybercriminals who might pose a great threat to your devices and computer systems. This Wi-Fi router goes a long way in ensuring your internet safety, and though a bit expensive than the standard router, Norton Core Wi-Fi router is surely worthy. Below are the amazing features of this unique Wi-Fi router:

Device discovery– Unlike many other Wi-Fi routers, Norton Core allows you to discover or recognize all your devices that are connected to your network. This means that you can always choose which device stays connected and the one to disconnect. It also helps you manage all the connected networks and hence you can always identify any foreign or strange connectivity.

Guest access– Norton Core Wi-Fi router allows you to create or make guest access. You can do this by a simple touch of your button and you are able to either approve or block devices trying to join your guest network. In this modern world, it is possible for strangers to connect to your network without your knowledge and steal or interfere with any data shared over this network. However, with this router, you don’t have to fear as you are always on control.

Smart parental control– When it comes to the internet, the first people that you should protect is your family. Are you that person who has a teenager or young kid? Then this Wi-Fi router is for you as you don’t have to fear that your young one will watch any undesirable content that might spoil him or her. The smart parental control feature enables you to control what your kid watch as you are able to assign an age group to a given user. In this world, where almost everything can be found on the internet, the innocence of your young kid needs to be protected by ensuring that you actually regulate what they watch and the time they do it. Save your kids from adult contents, pornography and drugs exposure by buying this Wi-Fi router.

Security features– As mentioned earlier, this Wi-Fi router is on its own lane when it comes to security. It has been equipped with defense mechanism which comes with immediate background updates in case of threats such as the attack of viruses. A very unique characteristic feature of this router is that it is able to update all the routers in the market if it identifies a threat. This means that you are always protected, and not only with current threats, but also with the threats that are yet to be created.

Protects all your connected devices– This Wi-Fi router comes with a one-year subscription to the Norton Security. The Norton Security protects all your connected device, including the tablets, Macs and smartphones. This ensures that all your devices stay safe and secure from malware and cybercriminals.

Very high-performance Wi-Fi router– Unlike many other standard routers, Norton Core Wi-Fi router is a very high-performance router that enables you to stream and watch your desired movies and videos in 4K, allows you to efficiently play your favorite online games and also download any desired content. This it does while ensuring that your connection safe and secure with the powerful Norton Core’s dual-core processor. It has very unique and strong antenna arrays which are able to efficiently deliver great Wi-Fi speeds to every part of your house.

In a nutshell, Norton Core Wi-Fi router is a very unique and interesting Wi-Fi router of our times. It has been able to address the challenges facing the other standard routers, giving you even better services. Nothing is as satisfying as knowing that, your privacy and online safety is guaranteed while surfing the internet. Buy this great Wi-Fi router for a great online experience!

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7 Resources I Wish I Knew Before Writing Selling Social Media Posts

It seems that these days writing is easier than ever: all you need to do is simply write and post it online. However, it’s not like that. Sure, it’s hard to spoil good writing if you have the necessary skills and are able to write engaging posts – but at the same time, it’s possible to make it even bet-ter. Much better, actually


Good writing has to be polished, engaging, and attention-grabbing. There are plenty of online re-sources that can help you with any of these things – and today I want to share them with you. Here are 7 amazing websites and tools that could help you make stunning social media posts even eas-ier.

1. Hemingway App

We hear that it’s so important to be concise in our writing – but what exactly does it mean? The best way to find this out is by practice, and this tool can help you with that. Hemingway App is a free online tool (though you’ll have to pay $19.99 if you want to purchase a desktop version) that proofreads your text.


However, proofreading is not its only benefit. The best thing about Hemingway App is that it helps you write better, avoiding complex sentences and unnecessary language. It highlights all the words that seem too complex and all the sentences that are too short – and all you need to do to accept its suggestions or decline them if you want to.

2. Readability Score

This tool is a great addition to the previous one – though it doesn’t offer any stylistic suggestions, it analyzes the readability of your text, giving you an actual score. You can use Readability Score to check how easy it would be for the readers to understand your text and (in case the result isn’t sat-isfying) improve this score with the help of Hemingway App.

3. EliteEssayWriters

Being a good writer doesn’t necessarily equals being a good proofreader. So if you have an oppor-tunity to entrust the proofreading part to the professionals, why not do so?

EliteEssayWriters is a website that offers academic writing and proofreading services at reasona-ble prices. Students use it to get some help with their work or to look for a proposal essay example – and you can use it to get high-quality proofreading as quick as you need it. Be sure: professionals working for EliteEssayWriters are able to deliver the best result no matter how soon a deadline is.

4. ZenPen

Sometimes even the best writers find it hard to concentrate on the whole writing process. Sure, you can use various timers like Pomodoro or other tools that help you focus, by why not choose an easier way?

ZenPen is a minimalist text editor with a full-screen feature. It allows you to focus on the writing process only, without getting distracted by other things.

5. Easy Word Count

Many writers need to keep track of the word count during their work. However, it’s not always pos-sible. Sometimes the text editors simply don’t count the words right and sometimes they don’t even have this option.

That’s when this tool can come to your aid. Not only does it offer you the exact word count but also proofreads the text, highlighting grammar and error mistakes. It’s an online tool so you can reach it easily from any mobile device.

6. Cite It In

Quotations as well as references to various reliable sources add value to your content and can at-tract even more readers. However, you need to make it right in order to avoid troubles. An incor-rectly cited source or quote can affect the originality of your content and lead to accusations of pla-giarism.

Lucky for us, we have a website to prevent this. Cite It In structures your sources correctly and au-tomatically. All you need to do is simply fill the form – and enjoy the result.

7. Hubspot Blog Topic Generator

Some people struggle with post ideas, not knowing exactly what do they want to write about. Some have a certain idea or ideas in mind yet still fails to come up with the right topics.

Topics and headlines matter a lot when it comes to social media. Always remember that people usually make their choice on whether to read an article or not in the first 15 seconds of looking at it. So if you do want to impress them, you need to do so with the help of a header image, a short de-scription, and a topic of course.

This tool can help you with the latter. Hubspot Blog Topic Generator generates blog topics basing on the three words of your choice. Moreover, it doesn’t generate only one topic – no, after typing three words only, you’ll get a list of 10 amazing topics you can use.
Writing good content for social media can be a challenge. It requires not only strong writing skills but also attention to so many details. These details are actually the most challenging part as even an experienced writer might not know what to focus on in the first place.

However, online tools can make the process a lot easier, taking care of the details for you. While the tools listed in this article are indeed useful, you don’t have to use all of them. Instead, focus on the areas you might need some extra help with and try to use the tools that could help you with these areas.

Moreover, don’t use them blindly: always try to analyze and evaluate the effect they have. Does your writing is shared more often when you come up with headlines on your own or when you use randomly generated ones? Does shortening your sentences actually helps or your audience like your raw, unedited style more?

Remember that all writers are different and what works for one might not work as well for another. Therefore, always evaluate, compare, and experiment to find the path that would truly be the best for you.

I wish you good luck with that!

Author Bio: Christina Battons is a creative writer and content strategist from LA. Currently, I write or various web platforms. My posts address the topics about self-education, writing, motiva-tion, professional development. In my spare time, I prefer to read novels and crime thriller stories. You can connect with me through @battonschristi

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Best Buy & Staples: Printer Shopping Made Easy

Online shopping is increasingly becoming the new black. From the simplest items such as groceries to office equipment, people are now turning to online platforms such as Best Buy and Staples to shop for almost everything. Due to that, such online stores are now on the rise and every day we wake up to news about the launching of a new shopping platform. However old is gold and the old online shopping stores remain the best especially for office equipment like printers. To help you prepare for what you should expect, my team and I went hunting in platforms known for providing the best selection of printers. We have put together a list showing differences between printers in these two shops and the overall shopping experience.

Brands available at Best Buy

At Best Buy you get to choose between HP, Epson, Canon, and Brother. All these come from well-established brands and which are known for their efficiency.

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Epson printers-Printers from Epson are the most common sight at any office which goes a long way in proving that they are efficient. They boast a 3-in-1 functionality, inbuilt wireless networking, a 100 sheets input tray and even borderless printing. Through Best Buy you are now able to buy this printer.

Canon– Printers from Canon take you a notch higher with their four in one functionality, and different print speeds. They too offer you wireless and inbuilt networking.

Hp– These are simply the best from Best Buy, and they pride themselves over Wi-FI, four in one functionality, a 35 sheet automatic document feeder, a 100 sheet input tray and they can print up to 9.5 black sheets and up to 6.8 ISO colored papers.

Brother -These too, bring with them some remarkable features, and they have an even higher capacity of tray input as they can hold up to 250 sheets. They also boast a touch screen and four in one functionality. They can print up to 32 papers.

Staples is your Office Superstore

Printers at Staples

At Staples, you get printers from the same brands as those at Bestbuy just that, Staples goes on to add your options by offering those from Kodak, expression, and Dell.

Kodak– With the latest printer from Kodak, you get to do everything from scanning, downloading and printing projects all in one step. They are wireless, and some of them have LCD screens. You get to buy them quickly from Staples.

Expression-They come in a compact size which allows you to use them even in minimal space but they are highly functional, and you can scan copy and print freely. The 2.7 LCD screen enables you to navigate effortlessly.

Dell -These have 3 in 1 functionality, have high speeds, they allow two-sided printing which saves you on time and they have USB and Ethernet inputs.

 

Best Buy expert services and Unbeatable Prices

Overall shopping experience

Both shops offer you a good shopping experience, if you are doing it online, the response is quite fast, and the delivery is always on time. They stock printers from some of the best brands which ensure that you get nothing but the best. Also, they offer a diverse array to select from regarding size and price. Both shops are more than willing to replace printers which have issues hence your money does not go to waste if you buy a product which is not functional.

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5 Free Resources for Math Teachers Using Chromebooks

One of the many questions that I received in my email this week came from a reader who wanted to know what some of my favorite resources for teaching math are. She added the stipulation that they needed to work on Chromebooks because her district just replaced old Windows computers in a lab with a Chromebook cart arrangement. Here are the suggestions that I shared.

Desmos is a free graphing calculator that you can use in your web browser on a Chromebook or any other computer using the Chrome browser. It is also available for mobile phones. Desmos has a robust website full of activities and lessons to use in your classroom.

Graph.tk is a free online graphing utility that allows you to plot multiple functions through its dynamically re-sizing grid. To graph an equation on Graph.tk just click the “+” symbol to enter a new equation. One thing that isn’t clear the first time you use Graph.tk is that you need to delete the existing default equations before you start.

GeoGebra Classic is the browser-based version of the popular GeoGebra software. For more than ten years teachers have used GeoGebra to teach graphing functions, probability, data analysis, and much more.

Math Vocabulary Cards is a free Chrome app designed for elementary school students. The app offers exactly what its name implies, a series of flashcards of mathematics vocabulary terms. Each card contains a term, a diagram, and a definition. By default the term is hidden and students have to guess the term based on the definition and diagram. Students can also use the cards with the definitions hidden and the terms revealed.

Geoboard is a free app on which students stretch virtual rubber bands over pegboards to create lines and shapes to learn about perimeter, area, and angles. The app is available as a Chrome app. It can also be used directly in any modern web browser. The browser-based version can be found here.

Article originally posted on freetech4teachers.com .

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Cujo Smart Firewall: Stay Safe Online



Well when I started using the Cujo smart firewall I thought it was great. I really think it is a great tool to have for your all of your devices. And believe I love this Cujo smart firewall product that is selling great at BestBuy stores.CUJO is a smart firewall for the connected home, designed to bring business-level security to the home network. This one device will secure all devices connecting to the WiFi router. CUJO detects and blocks malicious sites, viruses, and hacks. Think of it like antivirus for your entire network. Plus, CUJO lets you control what your kids access online and keep them safe.


Parental Controls for all devices

Websites and App Filtering

The Cujo smart firewall can protect your kids from inappropriate websites and apps

Schedules

You can manage  internet access by day and time.

Time limits

Control the time allowed for internet activities like social media and video streaming.

User Profile

Create individual settings for each family member and it has simple set up

The Main Features of the Cujo Smart Firewall

•         BUSINESS-LEVEL INTERNET SECURITY  

Cujo detects and blocks malicious sites and hacks.

•         GUARDS ALL DEVICES

The Cujo smart firewall will protect and control all of your home devices from laptops to smartphones.

•         PARENTAL CONTROLS

The Cujo helps you avoid inappropriate sites and apps, and manage access schedules.

•         CONNECT TO ROUTER, CONTROL WITH APP

You can use the step by step set up guide or call their support team to activate the cujo smart firewall device, if you can’t work it right.

•         BLAZING FAST (built with 1GB Ethernet)

The Cujo smart firewall is built with 1 gb Ethernet and this will not slow your network.

Parental controls features:

– parental controls for all devices

– internet filter

– time limits

– social media monitoring

– pause internet

– alerts and reporting

– remote administration

– user profiles and settings

Why I think Parents Will Love It

Because not only work will CUJO on antivirus and as for your entire network, but it also comes with a wealth of parental controls. And you can also and definitely create multiple profiles each with customizable settings. And the big kids can have different parameters than the little kids. Also within the profiles, you can set internet filters, time limits, and even monitor social media which is a HUGE game changer for device monitoring. You even have the ability to pause internet – ideal for family dinners, or at bed time. All the while it’s quietly working in the background to also stop viruses and other online threats.

The reviewer has been compensated in the form of a Best Buy Gift Card and/or received the product/service at a reduced price or for free.

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4 Stocks That Could Double in 2017

© 2016 PTE.la PTE, LLC (publisher of PTE.la) is NOT registered as an investment adviser nor a broker/dealer with either the U. S. Securities & Exchange Commission or any state securities regulatory authority. Users of this website are advised that all information presented on this website is solely for informational purposes, is not intended to be used as a personalized investment recommendation, and is not attuned to any specific portfolio or to any user’s particular investment needs or objectives. Past performance is NOT indicative of future results. Furthermore, such information is not to be construed as an offer to sell or the solicitation of an offer to buy, nor is it to be construed as a recommendation to buy, hold or sell (short or otherwise) any security. All users of this website must determine for themselves what specific investments to make or not make and are urged to consult with their own independent financial advisors with respect to any investment decision. The reader bears responsibility for his/her own investment research and decisions, should seek the advice of a qualified securities professional before making any investment, and investigate and fully understand any and all risks before investing.

All opinions, analyses and information included on this website are based on sources believed to be reliable and written in good faith, but should be independently verified, and no representation or warranty of any kind, express or implied, is made, including but not limited to any representation or warranty concerning accuracy, completeness, correctness, timeliness or appropriateness. In addition, we undertake no responsibility to notify such opinions, analyses or information or to keep such opinions, analyses or information current. Also be aware that owners, employees and writers of and for PTE, LLC may have long or short positions in securities that may be discussed on this website or newsletter. Past results are not indicative of future profits. This table is accurate, though not every trade is represented. Profits and losses reported are simulated figures from virtual simulated portfolios.

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Viewers should always consult with alicensed securities professional before purchasing or selling any securities of companies profiled or discussed in our releases. It is possible that a viewer’s entire investment may be lost or impaired due to the speculative nature of the companies profiled. Remember, never invest in any security of a company profiled or discussed in a release or on our website unless you can afford to lose your entire investment. Also, investing in micro-cap securities is highly speculative and carries an extremely high degree of risk. To review our complete disclaimer and additional information, please visit  http://www.PTE.la. PTE.la makes no recommendation that the securities of the companies profiled or discussed in our releases or on our website should be purchased, sold or held by investors.

PTE.la is owned and operated by PTE LLC. PTE LLC has not been compensated for this newsletter, but this message was sent by Pte.la and may contain commercial elements (such as advertising). Any compensation received by PTE LLC constitutes a conflict of interest as to our ability to remain objective in our communication regarding the profiled company. A third party of PTE LLC may have shares and may liquidate, which may negatively affect the stock price. PTE LLC affiliates may at any time have a position in the securities mentioned herein and may increase or decrease such positions without notice which will negatively affect the market.

Some of the content in this release contains forward – looking information within the meaning of Section 27 A of the Securities Act of 1 9 9 3 and Section 21 E of the Securities Exchange Act of 1 9 3 4 including statements regarding expected continual growth of the profiled company and the value of its securities. In accordance with the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 it is hereby noted that statements contained herein that look forward in time which include everything other than historical information, involve risk and uncertainties that may affect a company’s actual results of operation.

A company’s actual performance could greatly differ from those described in any forward – looking statements or announcements mentioned in this release. Factors that should be considered that could cause actual results to differ include: the size and growth of the market for the company’s products; the company’s ability to fund its capital requirements in the near term and in the long term; pricing pressures; unforeseen and/or unexpected circumstances in happenings; etc. and the risk factors and other factors set forth in the company’s filings with the Securities and Exchange Commission. However, acompany’s past performance does not guarantee future results.

Generally, the information regarding a company profiled is provided from public sources which we believe to be reliable but is not guaranteed by us as being accurate. Further specific financial information, filings and disclosures as well as general investor information about the profiled company, advice to investors and other investor resources are available at the Securities and Exchange Commission (“SEC”) website  www.sec.gov and the Financial Industry Regulatory Authority (“FINRA”) website at  www.finra.org. Any investment should be made only after consulting with a qualified investment advisor and reviewing the publicly available financial statement and other information about the company profiled and verifying that the investment is appropriate and suitable. PTE.la makes no representations, warranties or guarantees as to the accuracy or completeness of the information provided or discussed. Viewers should not rely solely on the information obtained in this release or on our website.

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State Operated Casinos

State operated, land based casinos are a major source of revenue for many states. They offer many of the same gaming experiences as Las Vegas casinos such as the traditional blackjack and poker table games, as well as a large variety of slot machines. Technology has changed the style of the slots, transforming them into a visual entertainment experience mimicking games and game shows such as Monopoly and Wheel of Fortune.

Instead of marketing the casinos as places to gamble, the experience has been repackaged as gaming. Critics say it is clearly a way to make losing your money as fun because the odds are always in favor of the casino. But the amount a player spends at a slot machine can be as little as five cents per play while getting the benefit of being visually entertained. Add to this the fact that many casinos also offer live entertainment and popular restaurants to eat at, and the casino is now an adult getaway.

State operated casinos differ from privately owned casinos in two ways. The first is that by law, the casino has to pay out a certain percentage of gaming money back to the players in the form of winnings, called the pay off percentage. The second is that while the states take in millions of dollars each year from casino operations, most of that money is returned to the public to fund public programs such as education or senior citizen programs that benefit all its citizens.

Looking toward the future, states are now looking at online casinos for additional sources of revenue. The Department of Justice ruled that online gaming (excluding sports betting) did not violate any Federal laws, and gave each state the right to decide whether or not it was legal for their citizens. Nevada and New Jersey are two states that already allow online gaming if you are within the geographical boundaries of the state.

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