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[ad_1] Bitcoins are mined through a process involving powerful computers to solve complex mathematical problems that require tremendous energy, to an extent that it is estimated to consume more energy than several countries such as Kazakhstan and the Netherlands. [ad_2] Source link

[ad_1] Thad Wong, Co-Founder of @properties Take a walk around the leafy, geometrically precise streets of Chicago’s North Side, lakefront neighborhoods and you will see one @properties front yard sign after another. The Chicagoland market’s no. 1 residential real estate brokerage by sales volume – and no. 8 nationally, according to RealTrends – is now expanding. On Tuesday, @properties announced a franchise in Dallas helmed by Dallas businessman Jerry Mooty. The new franchise “has commitments from a number of founding agents,” the press release reads, and “Mooty is in final negotiations for @properties’ first local office.” The franchise is a risk for @properties, which for years has comfortably dominated Chicago without spreading its wings. Quad-C, a private equity firm based in Charlottesville, Virginia, invested an undisclosed stake in @properties back in 2018. But the move has had little noticeable effect, save perhaps prior announcements for @properties franchises in Detroit and LaCrosse, Wisconsin. Just before the Dallas announcement, HousingWire sat down with @properties co-founder, and co-CEO Thad Wong in the companies’ Chicago headquarters (Wong leads the company with Michael Golden). The office lies in a somewhat sparse locale, northwest of downtown. It is appointed with an array of contemporary art, windows with views of the city skyline, and, during a late Monday afternoon, only a few people. This content is exclusively for HW+ members. Start an HW+ Membership now for less than $1 a day. Your HW+ Membership includes: Unlimited access to HW+ articles and analysis Exclusive access to the HW+ Slack community and virtual events HousingWire Magazine delivered to your home or office Become a member today Already a member? log in The post Can @properties flourish outside Chicago? appeared first on HousingWire. [ad_2] Source link

[ad_1] The post 3 Stocks for the New Space Race appeared first on Millennial Money. Welcome to the new space race! Much has changed from the halcyon days of America’s space program, when bragging rights against the Soviet Union were on the line. You might recall the Soviet Union (now Russia) beat the United States into space by mere weeks in 1961, but America scored an even bigger win when the Apollo 11 landed humans on the moon in 1969.  Now the two countries are partners—at least when it comes to space travel—and the biggest financial contributors to the joint International Space Station (ISS) spacecraft.    Yet, the recent collaboration between Russia and the United States isn’t even the most surprising development in space travel.  Instead, it’s the privatization of space exploration!  Last week marked a significant milestone in the future of space travel when Sir Richard Branson became the first person to take a commercial spaceflight on his own spacecraft.  Branson might be the first spacefarer, but he certainly won’t be the last. In a race against time that harkens back to the early ‘60s, Branson edged out Jeff Bezos by just a few days, as the Blue Origin CEO is slated to take his own interstellar trip next week.  or, jump ahead to check out our Top Space Stocks. Decades in the making It’s easy for investors to believe the privately funded space race occurred overnight, but the fact is there have been decades of private investment.  Fun fact: two of the “Big 3” spaceflight companies—SpaceX and Blue Origin—are older than Facebook. The third, Virgin Galactic, is only a few months younger than the social media juggernaut. Space travel isn’t cheap, so it’s no coincidence these companies were founded by billionaires. Branson parlayed his Virgin Records label into one of Europe’s best-known brands, Bezos is the multi-centibillionaire who founded Amazon.com, and SpaceX is the brainchild of Tesla CEO Elon Musk.  However, when it comes to space exploration, these billionaires will be working in close collaboration with the U.S. government. Although the various factions in Washington are rarely in agreement, the privatization of space travel has been supported and expanded upon by the last three presidents. Space tourism and so much more We love optionality at Millennial Money. And considering the global space industry is already a $350 billion annual business, there are myriad ways for businesses to earn revenue.  In fact, in the short-term it’s unlikely that commercial space tourism will even be the biggest revenue driver! Instead, it’s governments that will initially be the biggest customers of spaceflight companies. There’s quite a few ways companies will make money supporting national space ambitions.  Obviously, there are opportunities for spaceflight companies to deliver astronauts to the ISS and provide planetary travel (like the upcoming deal discussed below). But often forgotten are the lucrative contracts for delivering goods and materials (payloads) for government consumers.  But there’s more opportunity than just being an Uber for astronauts. Often overlooked are the tremendous opportunities for suppliers and companies tasked with directly and indirectly supporting governmental agencies. The new space race will provide ample opportunities for manufacturing and contracting functions.  That’s major coin: NASA’s budget in 2021 is approximately $25 billion with an additional $15 billion allocated to the newly created U.S. Space Force budget this year!  That said, we don’t want to overlook commercial space travel, as it will be one of the significant long-term growth drivers for the industry. And growth is certainly expected as analysts estimate space will be a $1 trillion market by 2040.  With such a promising runway for growth, quite a few space stocks are likely to become winners in this industry. Top 3 Space Stocks for the New Space Race Here are three stocks you can buy to take advantage of the private space race. Virgin Galactic is a pure-play spaceflight company Virgin Galactic Holdings Inc (NYSE:SPCE) Price: $32.03 (as of close Jul 20, 2021) Market Cap: 7,713,514,086 document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-b1466d97018f8f2c0740297d31700ae8”,{rangeSelector:{selected:1},title:{text:”Virgin Galactic Holdings Inc (NYSE:SPCE)Closing Stock Price”},subtitle: {text: “30-Day Historical Data”},navigator: { enabled: false },scrollbar: { enabled: false },credits: { enabled: false },xAxis: { type: “datetime”, labels: { formatter: function() { return Highcharts.dateFormat(“%m %d, %Y”, this.value); }}},colors: [“#118b4e”],rangeSelector : { enabled: false },series:[{name:”NYSE:SPCE”,data:[[1624248000000,36.02],[1624334400000,39.42],[1624420800000,40.82],[1624507200000,40.26],[1624593600000,55.91],[1624852800000,54.84],[1624939200000,47.02],[1625025600000,46],[1625112000000,43.19],[1625198400000,44.94],[1625544000000,46.31],[1625630400000,44.92],[1625716800000,52.69],[1625803200000,49.2],[1626062400000,40.69],[1626148800000,37.76],[1626235200000,33.07],[1626321600000,31.74],[1626408000000,30.2],[1626667200000,32.4],[1626753600000,32.03],],tooltip:{valueDecimals:2,xDateFormat: “%A, %B %e, %Y”}}]}); }); Unsurprisingly, Virgin Galactic tops this list of companies slated to benefit from the new space economy. As the only publicly traded “Big 3” spaceflight company (Virgin, Blue Origin, SpaceX), Virgin Galactic remains the most prominent pure-play investment.    Virgin Galactic bills itself as a space tourism company, offering flights in its SpaceShipTwo vehicle. That’s understandable as the company has a huge backlog of nearly 600 private customers waiting to take spaceflights at $250,000 a head (that’s $150 million if you were about to whip out your calculator app).  After completing his flight last week, Branson noted, “We’re here to make space more accessible to all.” While this is an admirable goal, it’s likely the price will be out of reach for most potential consumers for the foreseeable future.  Despite the strong backlog, Virgin Galactic has yet to fly a revenue-producing space tourism flight (the recent Unity 22 mission was manned by Branson and other Virgin Galactic employees). Virgin Galactic expects the first of such tourist flights will occur next year.  Although Virgin Galactic appears to focus on commercial space tourism, investors may be overlooking the opportunity for revenue from governments. In 2019, Virgin Galactic inked a deal with Italy’s Air Force to perform a research flight in which researchers will conduct experiments in space.  Per CEO Michael Colglazier, the Italian flight will be Virgin Galactic’s next launch and will include three participants in multiple payloads.  Therein lies an overlooked opportunity for Virgin Galactic stock. Although not often mentioned by “meme stock” traders who have piled into the stock, providing spaceflight services to governments could be the most viable short-term business model.  Just compare it to airlines. Governments will act like dependable business class customers and space tourism will be

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[ad_1] The post What is a Checking Account Buffer? appeared first on Millennial Money. Sandy just went to Barnes and Noble to buy some books for class.  Unfortunately, the check she just deposited from her side hustle hasn’t cleared yet. So when she paid for her books, she spent more than what she had in her checking account, landing her with a hefty $35 overdraft fee.  If only Sandy had a checking account buffer to protect her account, she’d be in the clear. What exactly is a checking account buffer, and how can it help you on your financial journey? or, skip straight to ‘How to Set Up a Checking Account Buffer’. What is a Checking Account Buffer? Simply put, a checking account buffer is a reserve fund meant to cover small emergency situations.  The basic idea is to keep a certain amount of money in your checking account or separate savings account linked to checking. That way, if you buy something on a debit card and overdraw your account, you’ll be protected by this buffer. As long as you maintain minimum balance requirements, your next purchase won’t push your checking account into the red.  Is a Buffer an Emergency Fund? A checking account buffer is similar to an emergency fund… with some important differences.  The point of an emergency fund is to be able to cover the costs associated with unforeseen expenses—losing your job, getting into a car accident, or racking up expensive healthcare bills.  The trick is to have at least six months’ worth of living expenses set aside at all times. That way, you’ll have enough time to figure out your next move.  A checking account buffer is basically a smaller emergency fund. If you have $10,000 set aside in an emergency fund, you may only need $500 as a checking account buffer. The rest can be stashed in a high yield savings account and only accessed when you absolutely need it.  Why Do You Need a Checking Account Buffer? Maintaining a checking account buffer won’t supercharge your net worth. But it will allow you to enjoy a number of benefits.  Avoiding overdraft fees Consistently overdrawing your account can bring about negative consequences.  Fees can add up… and quickly. Banks usually forgive first-time overdraft offenders. But if it happens repeatedly, they’ll make you pay. Not cool! What’s more, a bank may shut down your account and report you to a debit bureau if you consistently overdraft. Not only would this be a massive inconvenience in the near term, but it could also make it more challenging to open accounts in the future.  Unless that sounds like your idea of a good time, it’s always better to have built-in protection to prevent this from happening. Covering unexpected expenses  Even the most dedicated budgets can face unexpected situations that require heftier payments from time to time.  You may be out to eat with a group that decides to split a large bill. Or, you may need to take an Uber or Lyft across town late at night and have to pay a lot of money in surge pricing to get to your destination.  In other words: life happens. That’s why it’s always better to be prepared with a checking account buffer. Having extra money in your account can be a tremendous benefit.  Preventing complications from direct deposit delays In a perfect world, employers would always pay on time. Ours isn’t a perfect world.  Sometimes payday falls on a weekend or bank holiday. Or, your side hustle doesn’t pay on time.  By setting up a checking account buffer, you can protect yourself when money doesn’t come through and prevent yourself from running into financial trouble. You get the peace of mind that comes with knowing you won’t get hit by that exorbitant overdraft fee—ever—so long as you maintain that minimum balance. What is a Good Checking Account Buffer? Every financial consumer is different! So a good buffer for you largely depends on your lifestyle, spending habits, and how much you have in the bank.  Imagine Toni is fresh out of college and just starting to work. Toni’s checking account buffer could be $500, which is enough to cover daily expenses between paychecks.  Sam, on the other hand, has been working for ten years and is more financially established. Sam has much more money in the bank than Toni, and she likes to keep at least $3,000 in her checking account or linked savings account at all times.  How to Set up a Checking Account Buffer Setting up a checking account buffer may sound complicated. Here’s a disclaimer you might be happy to hear: It’s actually not that hard!  Here’s how. Form a budget Decide how big your buffer should be Pick your bank account Transfer funds Monitor your account 1. Form a budget First, take a hard look at your budget and get a sense of how much you’re spending on a monthly basis.  For help with this exercise, check out You Need a Budget (YNAB) or Personal Capital. Both of these services are helpful for budgeting purposes.  Identify the total amount you’re bringing in compared to what you’re spending on average. Then, look to cut back on areas of waste. If you spent a ton of money eating out at restaurants last month, you might want to cook more meals at home. 2. Decide how big your buffer should be  Next, take a look at your available funds and determine how much you need to set aside as a buffer.  Remember that this money is for savings, not spending freely.  This doesn’t mean your spending budget will go up. Just think of it as setting the money aside to protect yourself in case you need it.  3. Pick your bank account  Figure out the bank and account that makes sense for this type of fund.  Talk to your bank or credit union and ask if they can link your checking account to a savings account to protect you

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[ad_1] Nearly 73 million Americans live in counties with high Covid-19 infections. It’s time to reset and put masks back on, expert says  CNN Unvaccinated Americans say COVID vaccines are riskier than the virus, even as Delta surges among them  Yahoo News The Delta Variant Is a Reality Test  The Wall Street Journal COVID-19: We can’t predict what’s next. But here’s what we can do now.  UC Berkeley Editorial: It’s time to get tough on COVID vaccine evaders  Yahoo News View Full Coverage on Google News [ad_2]