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Finance For Life

Which car insurance should you get in Singapore

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In Singapore, it is compulsory to have your car insured before taking it out on the road. If you are looking for a cost-effective auto insurance policy, the good news is that you can give your car the protection it deserves with comprehensive car insurance. Just make sure to purchase from a reputable provider.

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Car insurance plans come with a great deal of features to cater to the diverse needs of different drivers. What’s more, reputable auto insurance companies allow you to obtain car insurance in Singapore at reasonably low rates. However, to land the best deals, it is always advisable that you do your due diligence, compare products from different providers, then pick the policy that best suits your needs.

Whether you are buying car insurance for the first time or renewing your existing car insurance plan, it is imperative to understand the available options and the benefits associated with each. Well, there are three types of car insurance in Singapore, each with its pros and cons. This post will comprehensively cover the three types of car insurance to help you make an informed decision when purchasing.

 Types of car insurance

Having car insurance is mandatory in Singapore. Singapore drivers can choose between three types of auto insurance. The various types are designed to suit different needs, budgets, and preferences.

Here are the available options:

 1. Third Party Only (TPO)

Third-Party Only is the most basic and the cheapest type of auto insurance you can purchase in Singapore. As the name suggests, the plan covers insurable events that may happen to third parties. Precisely, TPO provides coverage for other people and their belongings, not you, your car, or your belongings.

With this policy, the insurer compensates the third party for any damages, injuries, and losses after it has been established that the accident was caused by your car. The policy also takes care of legal costs and expenses following an accident caused by your car.

 2. Third-Party Fire & Theft (TPFT)

This type of policy ranks slightly above TPO in coverage. Besides what Third Party Only covers, it covers damage and loss due to fire or theft. However, it strictly covers these damages.

Precisely, TPFT covers injury to a third party, damage to a third party’s property, damage to your car by fire, legal costs and expenses following a car accident, and loss of your car due to theft.

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 3. Comprehensive (COMP)

As the name suggests, this type of auto insurance covers virtually all insurable events. Besides the obvious damage, injuries, and loss, the policy covers repair, replacement, and medical costs associated with an accident.

Most drivers in Singapore go for comprehensive auto insurance policies because they offer broad coverage. If you have just bought a new car, comprehensive car insurance would be a great option as it protects the high value of your car.

The best option depends immensely on what you can afford, your insurance needs, personal preferences, and what level of risk you can take. Overall, go for TPO if you want to meet the basic legal requirement or have a very old car. On the other hand, consider comprehensive policies if you have an expensive, luxurious car.

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General

Domenic Carosa and Dan Schatt’s Earnity is a “Social-First” Company – What Does This Mean?

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One of Earnity’s goals is to help users filter out the social media noise and create a safe, trusting community where people can focus on crypto and project fundamentals instead of spending their precious time tuned to the loudest voice in the market.

Ultimately, Dan Schatt and Domenic Carosa, Earnity’s executives, aim for their company to be the highest quality social crypto platform to help make sense of the future of finance. In this regard, Earnity truly is a social-first company.

But what is a “social-first” company?

A social-first company is a business that prioritizes social media interactions and engagement over all other forms of communication, such as providing customer service through social media channels, actively promoting the company’s brand and products on social media platforms, and more.

There are many reasons businesses may choose to adopt a social-first approach. For one, social media is a powerful communications tool that can help companies reach a large number of people quickly and easily. Moreover, social media platforms provide businesses with valuable data that can help them better understand their customers and target them with more relevant marketing messages.

Finally, social media is a cost-effective way for businesses to connect with their customers and build relationships. By providing engaging content and responding to customer inquiries promptly, companies can create a solid social media presence that can help drive sales and encourage customer loyalty.

There are also a number of advantages to joining a social-first company, such as Dan Schatt and Domenic Carosa’s Earnity. A perfect example of this is that there are very few barriers to entry. Social media platforms are free to use, and businesses can quickly and easily create accounts on most platforms. Additionally, social media platforms provide an excellent way for businesses to connect with their customers and potential future patrons.

 

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Business Time

Dan Schatt of Earnity and Mass Adoption Pros and Cons

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Earnity, a social-first crypto platform and marketplace led by visionaries Dan Schatt and Domenic Carosa, aims to help cryptocurrency users succeed. And a massive part of achieving this success lies in information and education. This includes learning about the many aspects of the fintech industry, including mass adoption. 

The Mass Adoption Discourse

When technology or innovation is adopted on a large scale, it is called mass adoption. While there are many benefits to mass adoption, there are also some drawbacks that should be considered. 

 The Pros of Mass Adoption Include

  • Increased usage and awareness: When many people adopt a technology or innovation, its usage and awareness increase exponentially. This means more people will become familiar with the technology, which can help propel it further into the mainstream. 
  • Increased efficiency and productivity: Mass adoption often leads to increased efficiency and productivity as people figure out how to best use the new technology or innovation. For example, when the internet was first adopted, people could communicate and do business more efficiently. 
  • Increased innovation: The mass adoption of a technology or innovation often leads to more innovative ideas and endeavors. For example, the iPhone was first introduced in 2007, and since then, countless new apps have been developed as the smartphone evolved.

The Cons of Mass Adoption Include

  • Decreased privacy: The mass adoption of a technology or innovation can lead to a loss of privacy. For example, when the internet was first adopted, people could access information about others that they had never been able to before. 
  • Increased vulnerability: More and more people using technology or innovation can lead to an increase in exposure. For example, countless cases of hacking and cybercrimes were reported when the internet was first adopted, and more people were using it. 
  • Decreased satisfaction: With the mass adoption of a technology or innovation comes the likelihood of users becoming desensitized to it. An example would be how people were mesmerized when the internet was first adopted. Over time, people have become desensitized to the internet and are less impressed. 

In conclusion, while mass adoption has many benefits, it also has some drawbacks that should be considered. Earnity’s Dan Schatt and Domenic Carosa wish to see this mass adoption as it will make the world a more financially free place.

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Business Time

Earnity Executives Dan Schatt & Domenic Carosa: Here’s Why DeFi Is on the Rise

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Centralization remains a considerable obstacle to success within traditional financial markets. This is why decentralized finance, or DeFi, is gaining ground, according to Earnity`s Dan Schatt and Domenic Carosa, the executives of a new DeFi and crypto marketplace. Let’s take a look at what DeFi, in general, and this platform, in particular, have to offer the modern buyer.

Today’s conventional financial market is extremely centralized, and so are its institutions. Governments issue currencies that fuel their nations’ economies, and these currencies are used for banking services as well as trading. The central authorities essentially regulate their currency’s flow.

In such a system, people put their money in financial institutions and banks for savings—often in recurring or fixed deposits. Then, the organizations utilize their money in the financial markets and provide loans at high interest rates. The problem with this system is that these organizations return only a small fraction of depositors’ accounts to them as interest. In addition, people have minimal control over their deposits.

Fortunately, a DeFi platform like Earnity puts the control back into the hands of the individual buyer. People can easily manage their money and determine where their funds flow. And the best part is that people all over the world can experience these benefits, according to Dan Schatt and Domenic Carosa.

Schatt and Carosa said Earnity was created because they believed that new crypto, web3 technologies (such as non-fungible tokens), the metaverse, and DeFi should not exist in silos, where they are made available only to a select few communities on the internet. Instead, they wanted crypto access and information to be open, easily obtainable, and P2P-driven. That was the original vision of crypto when it was first created, and Schatt and Carosa said they are excited to take up the baton to keep this vision going with their new marketplace.

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Business Time

Why should you invest in Cryptocurrency

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Cryptocurrencies have been a hot topic of discussion for a few years. Several people across the globe have accessed and invested in these digital currencies. Anybody who got in early is now reaping the benefits. But to be honest, it’s not that late! 

If anybody wants to enter this market today, he can do that without any worries. Cryptocurrency has lots of benefits and is already rocking the financial world. But this is not it! There is a lot that can be done through this blockchain technology. 

However, we are writing this article for the newcomers who have doubts about digital currencies. Is it safe to access them? Is it legal everywhere? Why should I invest in it? These are some common questions, but not limited to, thought by the newbies. 

Our article will give you some good reasons why you should invest in cryptocurrencies. Continue reading!

1. Investment 

Cryptocurrencies can be bought and traded like stocks. You can buy digital currencies at a lower price and sell them when the prices go high. And yes, the crypto prices keep changing frequently.

We suggest you do a background check of the digital currencies before buying any. Top crypto like Bitcoin, Binance, Ethereum, etc., are reliable and can be invested in. These are the best currencies to buy and hold for the long term.

2. Usability 

The world is catching up to the trends of cryptocurrencies. You can use them to make transactions now. You can buy merchandise, play online games, buy plots and other items on Metaverse, and more. If you are interested in gambling, you can also play at an online casino Canada using cryptocurrencies.

The best part is the currency grows over time. So, consider today you buy a few Binance (BNB) to play at the casino and win back some more. You can then hold those tokens until the price increases. That’s how you get maximum benefit through crypto.

3. Metaverse or Virtual World

Metaverse is basically a virtual world that can be accessed using VR (Virtual Reality) or AR (Augmented Reality) headsets. The 3D world is built in a way to give real effect when you enter it. Of course, you don’t enter it physically. Instead, it’s the VR and AR effects that give you the feel of reality. 

That’s why, although you think it’s real, in essence, it’s not. Hence, it is termed Virtual Reality. This is also currently trending as Web 3.0. 

There are different Virtual Reality worlds. These are being built by different companies to provide users with the applications of web 3.0. In this list of companies are the cryptocurrency giants who have their own virtual world. 

You can access the crypto Metaverse by particular tokens only. For instance, to access Decentraland virtual world, you have to use the Mana cryptocurrency. Using Mana, you can buy & sell lands in Decentraland, estates, play games, buy Avatar wearables, and more.

 4. NFT 

NFT is immensely trending among crypto enthusiasts. NFT stands for the Non-Fungible Token which are special tokens minted using blockchain technology. Now the technology used to develop them might seem similar to the digital currencies. However, the major difference is that cryptocurrencies are used for trading repeatedly, whereas NFTs are like products that you can buy and sell using cryptocurrencies. 

Several platforms like Binance, WazirX, Rarible, Enjin, OpenSea and others offer the NFT minting services. The fees of minting and the blockchain base used will be cryptocurrency.

You can buy and own an NFT to sell it at a higher price in future. Also, NFTs can be used in the virtual world for different uses based on the product. 

Conclusion 

Many of you might be doubtful about digital currencies. However, cryptocurrencies are here to stay. So, do your research on the best token and invest in them. But it is also suggested that you don’t expect immediate returns. It might take a few months or maybe years to actually see growth. Until then, hold your currency pot and stay put! 

 

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Finance For Life

4 Vital Things to Consider When Choosing a Banking Channel

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Banking channels are among the most essential things you need to consider on your online gaming adventures. This is because they deliver your money to the gambling sites and also your winnings to your real cash account.

The good news is that most online casinos and betting sites have a wide variety of payment channels. They give you many of them from which to choose the most convenient and reliable for you. However, before going for any, there are important things you need to know. You have to examine some features of the best payment methods to be able to identify an ideal method. The following are the important things you need to look at before going for any banking channel.

Deposit and Withdrawal Limits

Besides the transaction limits of your casino or betting sites, there are also minimum and maximum deposit limits. Also, the minimum and maximum withdrawal limits of the processing bank. So you have to check them out and see if they are favorable for your transactions.

If you are a standard player with a low budget, you need a banking channel with a low minimum deposit and withdrawal. This is because you deal in small cash amounts. But high rollers with a large amount of cash need a banking channel with higher maximum deposits and withdrawals.

Transaction Fees

You also need to consider how much of your cash is chopped by the processing bank on both your deposits and withdrawals. Some betting sites and online casinos like fun88 already don’t charge a single penny on all your transactions.

This is a golden opportunity because you only have to deal with fees or charges of your processing bank. You have to go for one that takes a small percentage of your money. There are some with huge transaction fees you have to avoid and go for those with favorable charges.

Waiting Period

The waiting period is the time banking channels take to deliver your money to and from the online gambling platform. They have different waiting periods, and some are popular for delivering your money faster than others.

The common payment channels include bank transfers, credit cards, e-wallets, and cryptocurrencies. So you have to examine the waiting period of each before going for it. The best channels are those that instantly deliver your money on both your deposits and withdrawals.

This enables you to play and place your bets on time and to also cash out your winnings from the gambling site as soon as possible.

Pending Time

The pending time is mainly about the gambling platform to choose to play or bet from. Most casinos and betting sites have different pending periods. This is the time they take to verify your transactions, and it is common with withdrawals.

The period is normally between 1 to 15 days and if you need to get your money faster. You have to choose a gambling site with a small pending period.

Pick the Right Banking Channel

Consider the above tips and go for the best banking channel at fun88 to have quick deposits and withdrawals on the site.

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Latest

$24 an Hour is the Minimum wage in many States

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$24 an hour is the minimum wage in many states. Many people are unhappy with that, but a raise isn’t always easy to come by. While it’s a livable wage, many people feel that they need a higher paying job to really make ends meet. Unfortunately for those workers, though, making more money can be difficult.

That’s why it’s important to explore all of your options when it comes to making money. There are many ways to make more than $24 an hour, and if you’re not happy with your current salary, it’s time to start looking into them.

 $24 an Hour is the National Minimum wage

The national minimum wage varies among different states, with it being $7.25 an hour in the country. The following list of states has people making at least $24 an hour:

  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Florida
  • Missouri
  • Montana
  • Nevada
  • New Jersey (might be more)
  • New York (might be more)
  • Pennsylvania (might be more)
  • Rhode Island
  • Vermont

How much is $24 an Hour Annually

If you work 40 hours per week for 52 weeks in a year, you’ll make $13,440 per year. If this is the only job that you have, then this is how much money your making overall.

The average wage for a full-time employee is $24 an hour

The average wage for a full-time employee is $24 an hour. This means that, on average, people who work full time make $24 per hour. There are many different jobs that pay more than this, so if you’re looking for a raise, you’re in luck!

There are many ways to make more than $24 an hour

As you can see, there are many different ways to make more than $24 an hour. If you’re not happy with your current salary, start looking into some of these methods. It may take some time and effort to get started, but it will be worth it in the end!

  1. One great way to make more money is to start your own business. This can be a lot of work, but if you’re successful, it can be very rewarding. There are many different types of businesses that you can start, so you should do some research to find the best one for you. Deciding how much time and money to invest in your business is a big part of getting it off the ground.
  2. Another way to make more than $24 an hour is by pursuing a career that pays well right from the start. Certain fields pay better than others, and even if $24 an hour sounds like a lot of money, it may not be enough to live on. If you’d like to start getting paid well right away, consider looking into engineering , finance , or law . Before you do, though, see if there’s any prerequisites that you’ll need to fulfill in order to get hired.
  3. A third way to make money is by doing side jobs. Ministers, for example, can often earn $100 or more per wedding that they officiate. Another way to make money on the side is by doing graphic design jobs, like designing book covers . If you’re not sure what skills you have that are in demand, try browsing online job boards to get ideas before applying for anything.

Conclusion

It’s possible to make more than $24 an hour, even though it is the minimum wage in many states. There are plenty of opportunities for how you can do this- from increasing your current salary at work or starting a business that pays well right away. When you’re pursuing any option, think about how much time and money you want to invest into it so that you don’t get overwhelmed with how much effort is required.

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Finance For Life

Can i buy a car after closing on a house

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You can buy a car after closing on your house. I would recommend that you don’t buy the car immediately after purchasing your new home, but it is possible to do so if you need to purchase a car for work or other purposes.

One thing I would recommend doing is buying the car before closing on the house, as there are some things you will need to do before closing such as transferring utilities and getting a new driver’s license. If you wait until the house is closed on, you could be inconvenienced if your car breaks down or something else happens that would prevent you from buying a car.

So, how soon can i buy a car after closing on a house?

It is possible to buy a car after closing on your house, but it’s probably best to wait until the utilities are transferred over and you have been assigned a new driver’s license.You can purchase a car any time before or after your home has been closed on and paid in full.

When I bought my first home, one of the things that really impressed me was that I could buy a new car before closing on the house. I was able to trade in my old car for a new one, and I didn’t even have to worry about paying for it right away.

I would recommend that you look at your contract carefully before closing on the house, as you should be able to find information within the paperwork on when you will be assigned a new driver’s license. The paperwork will also tell you when the utilities will be transferred over to your name, and you can plan accordingly.

You will need to consult with an auto loan specialist to find out how much money you’ll be able to borrow for the purchase of the vehicle, what your interest rate will be, and how much you’ll need to pay each month. The best time to buy a car is not immediately before closing on your house, but you have the option of doing so if you need to replace your vehicle for work purposes or any other purpose.

It’s important that you know what type of interest rate and payment plan are available so that you can make sure it fits into your budget.

If there is no other option, then yes – it is possible to buy a car after closing on your house. But, if you can I would recommend waiting so that you don’t have to worry about paying for more than one set of bills at once.

It is very difficult to make ends meet when you’re paying 2 mortgages at once

Can I buy a car after closing on a house? Yes, but it might be better to wait until the utilities and your driver’s license have been transferred over. You should also check with an auto loan specialist about how much you can borrow for the purchase of the vehicle and what your interest rate will be.

It is possible to buy a car after closing on a house, but it’s probably best to wait until the utilities are transferred over and you have been assigned a new driver’s license.

You can purchase a car any time before or after your home has been closed on and paid in full.

You will have higher monthly payments because your payment for the home and the loan for the car are combined into one large monthly payment

Your mortgage company may require you to take out a home equity line of credit in order to buy the ca.r Just like buying a home, you should check with your credit company to see how much money you can borrow for the car purchase and at what interest rate.

In conclusion, it is possible to buy a car after closing on your house. However, checking the paperwork carefully with the mortgage company and an auto loan specialist beforehand will help you make sure that you can afford both payments at once. You might even be able to check with a dealership in your area to see if they have any specials going on for new car purchases.

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Latest

Are You Old Enough to Remember Life Before The Internet

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It’s hard to imagine a world without the internet, but there was a time when we got along just fine without it. How has the internet affected our daily lives? How do we connect with others? How has it changed the way we learn and gather information? These are just some of the questions that will be explored in this article.

What was life like before the internet

Before the internet, we had to find information the old-fashioned way – by going to the library or asking someone we knew. We also connected with others in person, either at school, work, or at social events. And we learned in a traditional classroom setting, with a teacher and students sitting in a room together.

What were some of your favorite things to do as a child if you didn’t have access to the internet

If we didn’t have the internet, what were some of your favorite things to do as a child? Did you like going to the library or asking people for information? Did you like meeting new people in person or learning in a classroom setting?

Do you remember what life was like if there was no internet and how does it compare to now

Do you remember what life was like if there was no internet? It’s hard to imagine a world without it now, but there was a time when we got along just fine without it. How has the internet affected our daily lives? How do we connect with others? How has it changed the way we learn and gather information? These are just some of the questions that will be explored in this article.

How old are you if you were born in 1963

I was born in 1963, so I’m 54 years old.

Is this what you remember? If so, write more about the positives of life before the internet.

When did you first get on the Internet and what was your reaction to it at that time, compared with now

I first got on the internet in the early 1990s, and at that time, I was fascinated by it. I couldn’t believe that I could connect with people all over the world just by typing a few words into a computer. It was amazing to me that I could learn anything I wanted to know just by typing it into a search engine. Nowadays, the internet is such an integral part of my life that I can’t imagine living without it.

What are some pros and cons of our dependence on technology today- can we ever go back to being offline again or is this just the new normal for society going forward

There are pros and cons to our dependence on technology today. On the one hand, technology has made our lives easier in many ways. We can connect with others around the world instantaneously, we can learn anything we want to know, and we can do so many things online that we used to have to go out and do in person. On the other hand, some people argue that our dependence on technology is making us more isolated and less connected to the real world. They say that we’re spending too much time online and not enough time interacting with other people in person. Is this just the new normal for society going forward? Or can we ever go back to being offline again?

Thank you for reading this article. I hope you have found it informative. Do you have any thoughts or comments? Please share them in the comments section below. And check back next week for a new post!

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Managing Money

The Ultimate Guide to Understanding Webull’s Stock Trading Platform

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Webull is a new startup, but they are making waves in the financial world. They have simplified the path to investing for everyday people by cutting out the middleman and giving you direct access to stocks with no fees! Webull makes it possible for anyone to invest in today’s market without any of the complicated jargon. Founded by two Wall Street professionals who grew tired of how inaccessible investing had become, Webull has created an easy way for everyone from beginners to experts to be part of America’s economic success story.

How to set up a profile

Webull is a lot like your online bank. You’ll create an account, which you can either do by signing in with Facebook or Google+, or by setting up a password. After you’ve set up your account, Webull will ask for your basic information.

Webull also has the option of connecting to your external bank account so that you can automatically transfer money into your Webull account when it’s time to invest.

How to buy stocks

Webull is a lot like your online bank. You’ll create an account, which you can either do by signing in with Facebook or Google+, or by setting up a password. After you’ve set up your account, Webull will ask for your basic information.

Webull also has the option of connecting to your external bank account so that you can automatically transfer money into your Webull account when it’s time to invest.

After you have verified your identity with Webull, you are ready to buy stocks! When you are on the “Buy Stocks” page, what you see is the list of stocks that are available for purchase. You can search by company name or stock symbol. Then, once you have selected a stock, you can set a price point at which you want to buy the stock. Webull will monitor the market and purchase the stock right before that number is reached.

When buying stocks from Webull, there are no fees or commissions on trades. In addition, if you already have an investment account elsewhere, Webull will allow you to link your other account so that you can reinvest dividends through Webull.

How to sell stocks

After you have purchased a stock, it might be a good idea to sell that share! Just like buying a stock, selling a stock from Webull is simple and straightforward.

When selling a stock from Webull, there are no fees or commissions on trades. In addition, if you already have an investment account elsewhere, Webull will allow you to link your other account so that you can reinvest dividends through Webull.

Webull offers free unlimited trades for up to 100 trades a month! After the first 100 trades in any given month, each trade (sells and buys) will cost $0.50 per trade.

How to short sell on Webull

Just like with buying stocks, Webull will ask for your basic information after you have created an account.

Webull also has the option of connecting to your external bank account so that you can automatically transfer money into your Webull account when it’s time to invest.

When selling a stock from Webull, there are no fees or commissions on trades. In addition, if you already have an investment account elsewhere, Webull will allow you to link your other account so that you can reinvest dividends through Webull.

Conclusion

Webull is a new startup in the financial world that simplifies investing for everyone. Founded by two Wall Street professionals, Webull has created an easy way to invest in today’s market without any of the complicated jargon or fees typically associated with stock trading platforms. You can set up your profile and buy stocks through their platform for free as long as you stick to 100 trades per month. If this sounds like something you might be interested in, head over to webull.com/signup now!

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