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Lately, the government and the top banks of Australia have been pushing for the eradication of payments by cash, leaving phone apps alone, and possibly a medical implant as well.
I have fought against it as best I can, buy there's not much I can do.
It's illegal to have large amounts of cash, and self defense is a crime, so storing at home is not really an option. Besides, I am a disabled pensioner, and the government decided long ago that going through the bank is mandatory.
Covid was the best opportunity they ever had to eliminate personal freedom - I mean, to force everyone to use insecure apps on insecure phones that had insecure operating systems on insecure hardware.
There were scandal when apps were exposed data harvesting, accessing information they didn't have the rights to, and even hacking the microphone and camera of the phone.
https://www.consumerreports.org/electronics-computers/privacy/how-to-protect-yourself-from-camera-and-microphone-hacking-a1010757171/
But the push to do the thing was relentless. You can't stop progress! Nobody else is complaining, the bank told me.
Except people do complain, helpless and hopeless. I worked in tech support, and would hear all day long the agony of those whose assets were cleaned out, and that was in the days of internet banking, when the scammer call centers of India were just a sparkle in Satan's Eye.
You see, the reason banks existed was that they took money in exchange for the service of PROTECTION.
Now, they take your money, and if you get robbed, that's a YOU problem.
And the government is backing them up. Remember the GFC, when most governments expressed their hatred of capitalism by backing banks no matter how badly they embezzled customers?
The Bank and the State had merged.
Mussolini's vision had succeeded.
Fascism took a century, but it in the end, it won. But I am not sure even the 1930s fascists could see this coming.
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Last week, Elon Musk rebranded Twitter as “X.” New CEO Linda Yaccarino tweeted that X would be “centered in audio, video, messaging, payments/banking,” a step toward Musk’s vision of creating the “everything app” for the Western world. Musk has been focused on this vision for Twitter since before he even bought it, repeatedly praising the Chinese app WeChat in a June 2022 town hall at Twitter. WeChat is known for doing virtually anything an app can do—messaging, audio/video, meetings, translation, social networking, shopping, payments, ride sharing, food delivery, and more. It’s an indispensable app in China, and Musk wants to build X into that app in the United States.
Musk has been laser-focused on his vision of the everything app for longer than most realize. He’s also long been obsessed with the letter X—he named his original online bank X.com, founded SpaceX, and even named his son “X Æ A-12.” His X-ray vision, if you’ll forgive the pun, dates back to his founding of the original X.com. Musk described that firm, which would eventually merge with Confinity to form PayPal, as a “global financial nexus” that could handle bank accounts, mortgages, credit, insurance, stocks—anything and everything financial.
On the face of it, none of this seems unreasonable. Such an app would be one of the most valuable companies in the world if it succeeded. It’s a tall task, but Musk has been involved in the founding of three separate multibillion-dollar companies. WeChat (along with competitors such as AliPay) has proven that such apps can reach scale and be wildly successful. And WeChat was initially built on the back of parent company Tencent’s popular social network, QQ. If it can be done, why not Musk? And why not start with Twitter?
Unfortunately for Musk, his vision of creating a Western WeChat is doomed to failure. Companies like Meta and Alphabet have made attempts before. These companies have every advantage—more cash available than Musk, larger pools of technical talent, better public reputation, and more successful lines of business in the app ecosystem. Nevertheless, none have succeeded in building an everything app. WeChat exists in a very specific Chinese context, and attempts to brute force it in a very different context will crash and burn.
The most important function of an aspiring everything app is payments, which unlock enormous value for the app and convenience for the user. But mobile payments in China are an outlier—87 percent of Chinese people used mobile payments in 2021, almost double the next highest nation. And that outlier status comes from the unique way that China’s payment economy developed.
China’s explosive economic growth over the 2000s saw the country transition from being a mostly unbanked, cash-based economy to a phone-based, app-payment economy without ever having a middle phase of adopting credit cards. As China’s new middle class grew, credit cards were available to a limited upper class—but never became a commonplace part of national financial infrastructure.
What China did have was a lot of cheap smartphones. By the early 2010s, most people there still didn’t have a PC, but they had a mobile phone, and increasingly they were switching to cheap smartphones. But those smartphones were mostly low-end products, with limited processing power and storage space. A high number of bloated apps wasn’t going to cut it for an average user, so many basic functionalities began to cluster inside a small number of super-apps. With the public hungry to abandon cash, apps like WeChat were the natural and widespread solution. Most vendors didn’t have existing relationships with payment companies. But they were happy to jump all the way to taking mobile payments—especially since all they needed to do so was a cheap smartphone, not an expensive terminal. China essentially leapfrogged credit cards all the way to mobile payment.
The United States in 2023 is not in that same position. Americans, for the most part, are not newly middle class and unbanked. Americans love credit cards, have deep experience with them, and use them regularly. And the country is filled with an enormous number of financial firms competing at every level—banking services, credit services, payment apps, stock brokerages, and more. Musk’s X will be entering a far more crowded and competitive market for customers who are already using far better and more developed alternatives.
Competitive is the key word there, because there are many Western companies that would have loved to compete with apps such as WeChat. But China’s government long ago banned nearly every non-Chinese alternative to native Chinese apps in areas including social media, video sharing, messaging, news, search, finance, and more. The list of apps banned in China is so extensive that it’s likely faster to point out the few that aren’t banned.
With so much of the competition absent, it was much easier for Chinese apps to dominate many fields at once as Chinese internet adoption skyrocketed. The Chinese government mostly didn’t pick favorites domestically at first—but it kept out foreign competition and let domestic products thrive. Twitter/X doesn’t live in that same world. The U.S. government won’t protect Musk from competition.
One of the ironies in all this is that the window to develop an everything app may be over in China as well, as the Chinese government’s approach to the tech sector has changed. During China’s boom years, the state often took a laissez-faire approach to tech regulation. The Hu Jintao government and even the early Xi Jinping years saw a booming economy, where tech companies were allowed to grow rapidly and dominate markets as long as they cooperated with censorship, handed over information to the government, and paid off the right people. Analyst XiaoFeng Wang explicitly links this flexible environment with WeChat’s growth, saying, “The more flexible regulatory environment in China at the time gave internet companies like Tencent and Alibaba more room to extend to a wide range of businesses. WeChat benefited from that and grew into a super-app.”
But the Chinese government has grown deeply worried about the power of the super-apps, for both good and bad reasons. Any power that does not reside directly in the party’s hands is distrusted at a time when Xi has demanded total party leadership of everything—and the influence and reach of tech companies has been sharply curtailed in the last few years, wiping billions off their value. Chinese regulators were also genuinely worried about the sheer degree of anti-competitive practices. It had become common, for instance, for firms to block links to their competitors’ products. Breaking down those “walled gardens” has become a major part of regulation since 2021.
Building a super-app would be hard in China today—and even harder in the United States or Europe, with their anti-monopoly legislation and political skepticism toward powerful tech companies. Even if Musk’s X could theoretically succeed, it probably wouldn’t be allowed to do so legally.
Yet paradoxically, while regulators raised eyebrows, elements of the Chinese government also welcomed the opportunities that WeChat and other ubiquitous apps offered. Chinese firms exist at the pleasure of the state and are always subordinate partners to it. WeChat’s parent company, Tencent, is well known for collaboration with the Chinese Communist Party in areas large and small, producing sycophantic patriotic games and engaging in widespread censorship and espionage. Foreign Policy has reported that Tencent was even partially funded by the Ministry of State Security in its early days.
These incidents highlight why an app such asWeChat would be permitted to thrive—because it’s useful to the party. In the James C. Scott sense, WeChat increases the legibility of Chinese society. You can’t control what you can’t see, so make sure you can easily see everything. If all of Chinese daily life is funneled through a single portal, it’s that much easier for the party to observe and control lives. Monitoring a single WeChat account could allow police to see an individual’s travel patterns, spending, and social contacts, which is why many dissidents or activists avoid using the app when possible.
Chinese consumers have become more privacy-conscious about the data they hand over to companies—but are hopeless or unaware of the amount of information the government can get from them. Western companies hoping to emulate WeChat not only don’t have the government on their side, but also face a much tougher and more skeptical audience. And in Musk’s case, who—apart from the most ardent of fans—is going to trust him with their money at this point?
WeChat and its counterparts in China grew up in unique, nonrepeatable circumstances. They faced a massive middle class with plenty of cheap smartphones but no traditional banking or credit cards. They were protected from Western competition by the Chinese government. That same government applied a very light regulatory touch as the companies grew, and also encouraged centralization as a way to maintain greater control.
None of those factors exist in the United States today, and Musk’s dream of building the X app for everything is essentially impossible without them. American consumers already have dozens of easy payment choices through credit cards, debit cards, and existing mobile apps. Musk won’t be protected from competition by the government. Instead, he’ll be treated in a more hostile manner by regulators concerned about privacy, monopoly power, and his general history with flouting the law.
Larger and more important tech firms than Twitter—or, as Musk now insists, X—have tried and failed in this area. Meta owns several social networks and several messaging apps, and has tried expanding into areas like marketplaces, video, payments and more. But most of these experiments have failed to reach any sort of scale, and Meta’s successes have come from disaggregating and breaking things apart rather than bundling them together. Google’s Alphabet parent company has succeeded in a wide variety of areas such as search, video, email, payments, and more. But its attempts to build a social network flamed out spectacularly, and like Meta, their biggest successes have come from separated apps and brands, not a singular everything app.
For all its cultural importance and for all that the chattering class is addicted to it, Twitter’s just never been that large. Meta has nearly 4 billion monthly active users across its family of apps. Twitter/X, even if you believe Musk’s suspiciously cropped data, is a bit more than a 10th of that. Meta and Alphabet are orders of magnitude larger and more important than Twitter/X. If they’ve tried and failed to create the everything app, there’s no reason to believe that Musk can succeed.
Musk’s vision for the original X.com impressed Silicon Valley. By 2000, X.com had merged with Confinity, and Musk took over as CEO of the new company. He focused his vision on the global financial nexus, the proto-everything app, despite investor and board skepticism. He pursued that idea maniacally, to the detriment of PayPal/X’s core product of payment by email. He also insisted on branding the company as “X,” despite PayPal’s strong existing brand.
And in less than a year, he was coup’d out of the company and replaced as CEO by Peter Thiel. PayPal was saved as a company because its board ejected Musk. This time around there’s no board that matters except Elon, and there’s no one to save him from himself.
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Disability Approved Side Hustles
I've been planning on making a video/tiktok series about this for like two months—but, you know, disabled—so maybe I'll update it to be fancier later. Who knows?
Note: None of these are going to make you enough to live on, either together or separately, but sometimes every little bit counts!
Bridge Money - referral code TWSCBQ
This is the simplest/easiest of my suggestions. Watch up to 25 ads a day for 1 cent each. Yeah, I know that's only like $7 a month if you remember most days. But it's so easy to do while doing almost anything else (that let's you use a hand for a sec every 30 secs or so) that it's just $7 you're leaving on the table if you don't do it.
You also get 2 cents cash back for purchases if you link a card. They have random offers for $4 if you do x thing, games you earn 1 cent a minute for playing, etc. But I mainly just get my 25 cents each day.
Please use a referral code, either mine or someone else's, because both people get $1!
Mistplay - referral in link (android only)
This is the main one I use. You play games on an android device and earn units you can then buy giftcards with. This is good if on SSI because it doesn't go to your bank account! But it does have paypal as an option if that's not a concern. I've earned over $400 so far, and someone more dedicated could have earned more in the same time frame. (I don't want to burn out.)
The best strategy is to play games that have the most "speed" bubbles first, and up to checkpoint 5, then switch games. Find one "loyalty game" that gives 4 gems per $1 and spend $2 to get to silver status (should last two months). DO NOT UNINSTAL THAT GAME! As long as you're actively using the app, you'll make the $2 back from the bonuses. Sometimes you'll get a "Daily Task" to get to checkpoint 6+ and depending on the reward it might be worth it then. If a game is boosted to like 8 speed bubbles, it can also be worth it go past checkpoint 5. Use your judgement.
Playwell - don't think it does referrals?
Very similar to Mistplay. If you like playing games on your phone and want to play one Mistplay doesn't have, it might be here. (I refuse to play games for free anymore lol.) I mostly just have it because sometimes I'm able to double dip. Right now I am playing Merge Inn which is a 4 speed bubble game on Mistplay and earns 5k points per 15 minutes on Playwell. I'm going past checkpoint 5 for this one because I'll earn $2 if I get to level 31 in the game through Playwell plus the time based rewards. And I just like merging games.
Swagbucks - referral in link
Swagbucks has a ton of stuff. I would suggest you actually look up a post specific to that to see all the options because it's like surveys, receipts, offer walls, coupons, just... a lot.
But like Mistplay and Playwell it also does games. And like Playwell you can also sometimes double dip! So I'll check there and see if they have an offer for games that have higher speed bubbles on Mistplay. Some of the offers are really hard and time consuming so def look into it first, though. You can often find guides on reddit for getting them done on time.
Atlas Earth - referral code BAMSSE
This is going to seem like a scam at first. I actually had it downloaded for a few weeks, thought it was too much effort for too little return, stopped using it, and then changed my mind. It has a sort of snowball effect so at the beginning you'll make basically nothing—fractions of a cent kinda nothing—but over time have the potential to make a few hundred bucks a year.
At the beginning it is more important to be hard core about it. I had a timer set every 20 minutes for a while lol. Now, I'm a bit more lax. If I kept up the timer I could increase my earnings faster but again, don't want to burn out. I'm at the point now where I'll make about $5 a month as long as I get on every 5-6 hours for a couple minutes.
This is another one where you need to use a referral code, even if not mine! You get 200 "atlas bucks" for free after buying your 10th plot of land as long as you use a referral code before buying I think your second. I really regret not using a code myself!
Upside - referral TASHA43729
This one is more about saving money than making money. They do cash back on gas and some other things. I recently drove from PA to FL and got $28 in cash back for the gas we bought on the trip down. (Didn't really use it on the way back, because Grandma gave us some giftcards. 🥰) You can also get 5-20% at random restaurants and like Bath & Body Works?? The ads say also grocery stores but we don't have any that take part in our area. You can (and we did) use this in conjunction with the 2 cents from Bridge money, whatever cash back you get on the card itself, scanning the receipt, etc.
#disability#low income#side hustle#long post#neisvoid#mistplay#bridge money#upside#swagbucks#playwell#atlas earth
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"Mastering Austin's Expanding Toll Roads: Tips for Confident Driving | Travis Driving School"
🚗 Mastering Austin’s Growing Network of Toll Roads: Drive with Confidence! 🚗
If you’ve spent any time driving around Austin, you know the city’s network of toll roads is rapidly expanding. Whether you’re a new driver or have been on the road for years, navigating these tolls can feel a bit daunting—especially with the variety of routes, payments, and ever-changing traffic patterns.
At Travis Driving School, we understand that toll roads are an essential part of getting around Austin, Texas efficiently. That's why our drivers ed courses focus not only on teaching core driving skills but also on how to navigate toll roads with confidence. Here are some key tips to keep you on the fast lane without the stress.
1. Get Familiar with the Toll System
Austin has several toll roads like SH 130, Mopac Express Lane, and 183A, and each operates with different rules and fees. The most common way to pay is with an electronic tag, such as TxTag. It automatically deducts toll fees when you pass through toll booths, helping you avoid surprise fines.
💡 Tip: Get your TxTag set up as soon as possible. You’ll not only save time but also money, as cash or pay-by-mail fees can be higher. Plus, it gives you peace of mind when you hit those toll lanes.
2. Plan Your Route Ahead of Time
With Austin’s growing network of toll roads, planning your route ahead of time can save you from unexpected detours or fees. Apps like Google Maps or Waze are perfect for showing you which routes include tolls and which don’t, allowing you to choose what works best for your trip and budget.
At Travis Driving School, we teach drivers how to use these navigation tools effectively as part of our drivers ed curriculum. From finding alternate routes to understanding when tolls might actually save you time, planning ahead is key!
3. Stay Calm and Confident in Express Lanes
Driving on toll roads can sometimes feel overwhelming, especially during rush hour when everyone’s trying to zip past the regular lanes. The key here is to stay calm and not rush. Remember, toll lanes are designed to help you bypass traffic, but they’re not a racetrack! Stay within the speed limits and maintain a safe distance from the car in front of you.
Our instructors at Travis Driving School work closely with students to instill confidence on Austin’s busiest roads, including tolls and express lanes. We make sure you feel fully prepared to drive calmly and safely, even in high-speed situations.
4. Know the Rules for Exiting and Merging
One of the trickiest parts of driving on toll roads is knowing when to exit and how to merge back onto regular highways. Most toll roads will have clearly marked exits, but merging can be stressful if you’re not prepared.
💡 Tip: Keep an eye on the road signs that signal upcoming exits and allow yourself plenty of time to switch lanes. It’s much safer than trying to merge at the last second!
In our drivers ed program at Travis Driving School, we teach students how to anticipate exits and merges with confidence, helping them avoid common mistakes like missing an exit or making dangerous lane changes.
5. Keep an Eye on Your TxTag Account
Lastly, remember that staying on top of your TxTag account is essential. You don’t want to accidentally run up charges or miss a payment and face penalties. Regularly checking your balance and ensuring your account is funded can save you from unexpected fees.
Drive Smart, Drive Confidently with Travis Driving School
Navigating Austin’s toll roads doesn’t have to be stressful. With the right preparation and knowledge, you can handle tolls like a pro. At Travis Driving School, our drivers ed courses cover everything you need to know to master Austin’s toll network with ease. Whether you’re a new driver or just need a refresher, we’re here to help you drive confidently across Austin.
Ready to take the next step? Learn more about drivers ed at Travis Driving School and start driving Austin’s toll roads with confidence!
#AustinTollRoads#DriversEd#TravisDrivingSchool#TollRoadTips#AustinTX#SafeDriving#NewDrivers#LearnToDrive#DriveConfidently
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Enterprise Resource Planning (ERP) Software Procurement Intelligence: Key Trends and Insights
The enterprise resource planning (ERP) software category is expected to grow at a CAGR of 11% from 2023 to 2030. The North American region accounts for the largest share of the category. Growth is being fueled by an increase in the use of mobile and cloud apps, as well as by the demand for operational efficiency and transparency in company operations. According to the Oracle Netsuite 2022 report, businesses keep converting to cloud-based ERP. It also states that to further automate, increase visibility, and improve customer experiences, ERP is merging with other technologies like social media and Internet of Things (IoT) devices. One of the top ERP trends for 2023 is the two-tier ERP. Industrial clouds are gaining prominence steadily. An industry cloud is a combination of infrastructure-as-a-service (IaaS), platform-as-a-service (PaaS), and software-as-a-service (SaaS). Industry clouds are witnessing a significant amount of growth in 2023. They are completely modular and provide the flexibility, inventiveness, and ability to adapt required to suit highly specific industry requirements. All such factors are in turn driving the demand for this category.
There are various reasons why a company could decide to purchase a new ERP system. Increasing productivity, enhancing business intelligence through better data gathering and analysis, accelerating the order-to-cash cycle, and reducing labor expenses are the most common reasons. To justify the ERP cost, the company must meticulously consider the features and modules it requires, and the financial value it anticipates the ERP will provide. Smaller businesses are increasingly using the SaaS model due to its flexibility and potential for growth. A small business is not required to make a significant upfront investment in infrastructure or license fees since this approach uses cloud-based hosting. To provide flexibility and scalability, the subscription-pricing model depends on the number of users or the volume of transactions. There are fewer upfront costs because there is no requirement for on-premise hardware extension.
Order your copy of the Enterprise Resource Planning (ERP) Software Procurement Intelligence Report, 2023 - 2030, published by Grand View Research, to get more details regarding day one, quick wins, portfolio analysis, key negotiation strategies of key suppliers, and low-cost/best-cost sourcing analysis
After reaching a low in the final quarter of 2022, software mergers and acquisitions are steadily increasing in 2023. The number of technology-related deals increased by 23% between Q1 and Q2 2023 compared to the same period in 2022. For instance,
• In June 2023, Fresenius SE & Co., a global healthcare company announced a partnership with SAP. With the help of SAP SE's comprehensive RISE with SAP solution, the company successfully moved its important SAP software systems to the cloud. The migration involved a wide range of technologies, including CRM and ERP systems for key company operations in manufacturing, finance, supply chain, and procurement.
• In January 2023, as part of the modernization of its ERP Baan solution, Netherlands-based, VDL Enabling Technologies Group entered a partnership with Infor. In this high-tech cluster of the VDL Group, VDL ETG announced the implementation of Infor CloudSuite Industrial Enterprise as its ERP system. The move to the cloud enabled the integration of the core production processes, financial and business administration, as well as various other components.
• In January 2023, BMW Group announced a strategic partnership with SAP. The BMW Group would migrate its complete SAP software landscape using the RISE with SAP solution. To enable cooperative innovation for crucial business areas including finance, parts supply, warehousing, supply chain, and production, the company will integrate its cloud strategy with its current SAP S/4HANA systems.
• In March 2022, Epicor announced the acquisition of Grow Inc., which offers BI capabilities across many industries. The acquisition enhanced and broadened the analytical capabilities offered by Epicor.
Enterprise Resource Planning (ERP) Software Sourcing Intelligence Highlights
• The global ERP software category is fragmented with the presence of many leading international and regional companies. Due to the rapid use of the cloud and SaaS-based pricing models, there is a significant push toward the fragmentation of ERP software
• There is intense competition between the ERP software providers as there is a huge demand for alternatives to dominant large-scale vendors (such as Oracle, SAP, Infor, etc.). The number of suppliers in this category is steadily growing as new vendors concentrate on emerging sectors like employee engagement and financial planning
• Development is the largest cost component in this category, accounting for almost 50% - 60% of the total costs, followed by the costs of data transfer, and labor.
List of Key Suppliers
• Infor Inc.
• Epicor Software Corporation
• IBM
• HP Enterprise
• Microsoft Corporation
• NetSuite Inc.
• Oracle Corporation
• Sage Group, plc
• SAP SE
• Unit4
• Workday
• ServiceNow, Inc.
• QAD Inc.
Browse through Grand View Research’s collection of procurement intelligence studies:
• Employee Background Screening Services Procurement Intelligence Report, 2023 - 2030 (Revenue Forecast, Supplier Ranking & Matrix, Emerging Technologies, Pricing Models, Cost Structure, Engagement & Operating Model, Competitive Landscape)
• Employee Relocation Procurement Intelligence Report, 2023 - 2030 (Revenue Forecast, Supplier Ranking & Matrix, Emerging Technologies, Pricing Models, Cost Structure, Engagement & Operating Model, Competitive Landscape)
ERP Software Procurement Intelligence Report Scope
• ERP Software Category Growth Rate: CAGR of 11% from 2023 to 2030
• Pricing Growth Outlook: 8% - 12% (Annually)
• Pricing Models: Licensing-based, subscription-based, usage-based, and tier-based pricing model
• Supplier Selection Scope: Cost and pricing, past engagements, productivity, geographical presence
• Supplier Selection Criteria: By cloud deployment type, features (financial management, reporting and dashboards, supply chain management, customer relationship management, and others), operational capabilities, quality measures, technology, certifications, data privacy regulations, and others
• Report Coverage: Revenue forecast, supplier ranking, supplier positioning matrix, emerging technology, pricing models, cost structure, competitive landscape, growth factors, trends, engagement, and operating model
Brief about Pipeline by Grand View Research:
A smart and effective supply chain is essential for growth in any organization. Pipeline division at Grand View Research provides detailed insights on every aspect of supply chain, which helps in efficient procurement decisions.
Our services include (not limited to):
• Market Intelligence involving – market size and forecast, growth factors, and driving trends
• Price and Cost Intelligence – pricing models adopted for the category, total cost of ownerships
• Supplier Intelligence – rich insight on supplier landscape, and identifies suppliers who are dominating, emerging, lounging, and specializing
• Sourcing / Procurement Intelligence – best practices followed in the industry, identifying standard KPIs and SLAs, peer analysis, negotiation strategies to be utilized with the suppliers, and best suited countries for sourcing to minimize supply chain disruptions
#Enterprise Resource Planning (ERP) Software Procurement Intelligence#Enterprise Resource Planning (ERP) Software Procurement#Procurement Intelligence
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Download Rummy Noble Apk for ₹3,200 Real Cash | Refer Friends to Earn ₹1,500 Each | Play and Win ₹10,000 Daily
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BDG Win: Revolutionizing Online Earning Through Gaming
In recent years, the intersection of gaming and earning money has become increasingly prominent. Among the plethora of platforms emerging in this space, BDG Win stands out as an innovative online earning game app that has garnered significant attention. Offering a unique blend of entertainment and potential income generation, BDG Win is reshaping the way people perceive gaming and online earning.
What is BDG Win?
BDG Win is an online earning game application that provides users with the opportunity to earn money while playing engaging games on their smartphones or tablets. Launched with the aim of combining entertainment with income generation, BDG Win offers a diverse range of games, each designed to be enjoyable and rewarding.
How Does BDG Win Work?
The premise of BDG Win is simple yet enticing. Users download the app from their respective app stores and sign up for an account. Once registered, they can explore the various games available within the platform. These games encompass a wide array of genres, including puzzles, trivia, arcade-style challenges, and more.
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Punjab National Bank: A Leading Name in Indian Banking.!
Inception: Punjab National Bank was founded on May 19, 1894, in Lahore, by luminaries of the time, including Lala Lajpat Rai.
Nationalization: In 1969, the Indian government nationalized PNB, leading to its expansion and transformation into a public sector bank.
Global Expansion: PNB has grown globally, with branches and subsidiaries in countries like the United Kingdom, USA, and Canada.
Key Services Offered:
Retail Banking: PNB offers a comprehensive range of retail banking services, including savings and current accounts, fixed deposits, and personal loans.
Corporate Banking: The bank provides customized solutions to businesses, including working capital loans, trade finance, and cash management services.
Digital Banking: PNB has embraced digital transformation, offering online banking, mobile banking apps, and digital payment solutions.
International Banking: With a global presence, PNB facilitates international trade and foreign exchange services.
Investment and Wealth Management: PNB’s wealth management division assists clients in making informed investment decisions.
PNB’s Impact on the Indian Economy:
Financial Inclusion: PNB has played a pivotal role in promoting financial inclusion by reaching out to rural and underprivileged communities.
Agricultural Financing: The bank supports farmers through various agricultural credit schemes, contributing to India’s agricultural growth.
Job Creation: PNB’s expansion has created job opportunities, providing employment to thousands across the country.
Achievements and Awards:
Best Public Sector Bank: PNB has received numerous awards for its excellence in public sector banking.
Financial Inclusion Champion: It has been recognized for its efforts in promoting financial literacy and inclusion in rural areas.
Digital Innovation: PNB’s digital initiatives have received accolades for making banking services accessible to all.
Recent Developments:
Merger with OBC and UBI: In 2020, PNB merged with Oriental Bank of Commerce (OBC) and United Bank of India (UBI), creating one of India’s largest banks.
Conclusion: Punjab National Bank rich history, wide range of services, and commitment to the Indian economy make it a significant player in the banking sector. As it continues to evolve and adapt to changing times, PNB remains a symbol of trust and reliability for millions of customers across the globe. Whether you’re an individual looking for personal banking solutions or a business seeking financial support, PNB has a lot to offer.
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Increasing Your Cash App Limit and Expanding Financial Freedom
In a world dominated by digital transactions, the Cash App has become a cornerstone of financial freedom. But what happens when you hit that transaction limit? You may find yourself in need of expanding those boundaries. In this article, we will go in-depth into the intricacies of Increasing Your Cash App Limit and Expanding Financial Freedom.
Why Increasing Your Cash App Limit is Important
When it comes to personal finance, empowerment is key. Empowering Personal Finance can be as simple as having the ability to send or receive higher amounts via Cash App. Imagine not having to split transactions or make multiple transfers because of a low Cash App transaction limit.
In the realm of business, Streamlining Business Operations is another advantage of a higher Cash App limit. Time-sensitive transactions can be processed in one go, without the tediousness of breaking them into smaller portions.
Lastly, Flexibility in Large Transactions gives you the freedom to take advantage of investment opportunities, property acquisitions, or even planning a wedding without worrying about app restrictions.
What Factors Affect Your Cash App Limit
The limits aren't arbitrary; they're determined based on several criteria. During the Initial Verification Stage, basic limits are set. Your Usage History, including the frequency and amount of transactions, also impacts your limit. Being in Compliance with Company Policies is crucial to not just maintain, but potentially increase your limits.
Step-by-Step Guide to Increasing Your Cash App Limit
Before reaching out to Contact Customer Support, make sure you've gathered all necessary documents. Providing Additional Verification usually means sharing more personal information and potentially financial statements. After submission, the agonizing part is Awaiting Approval, which generally doesn't take more than a couple of business days.
Tips for Successfully Increasing Your Cash App Limit
Getting an increase isn't always straightforward. Early Verification can make the process smoother down the line. Maintaining a Good Usage Record reflects well on your request for an increase. Additionally, Keeping an Eye on Policy Updates ensures that you're not caught off guard by any new rules that might affect your limit.
Increasing Your Cash App Limit and Expanding Financial Freedom
The process of Merging Limit Increase and Financial Freedom is inherently intertwined. A higher limit enables you to make larger investments and save money more efficiently, thereby Unlocking More Financial Tools and resources.
Conclusion
In the fast-paced digital world, having restrictions on your financial transactions can be limiting in many ways. Increasing Your Cash App Limit and Expanding Financial Freedom should be a part of your financial growth strategy, enabling you to harness the full potential of what the digital economy has to offer.
FAQs
Q1: What is Cash App?
Answer: Cash App is a mobile payment service developed by Square, Inc. that allows users to send and receive money, invest in stocks and Bitcoin, and make purchases using a debit card connected to your Cash App balance.
Q2: What are the default sending and receiving limits on Cash App?
Answer: The default limits for unverified accounts are generally a $250 send limit per week and a $1,000 receiving limit per month. These limits may vary depending on your location and any updates to the Cash App policy.
Q3: Why would I need to increase my Cash App limit?
Answer: Increasing your Cash App limit can be useful if you regularly engage in transactions that exceed the default limitations. This can be especially helpful for small business owners, freelancers, or people who make large purchases.
Q4: How can I increase my Cash App limit?
Answer: You can increase your Cash App limit by verifying your identity. This involves providing your full name, date of birth, and the last four digits of your Social Security Number (SSN).
Q5: Is it safe to provide these details to Cash App?
Answer: Yes, Cash App uses encryption and fraud detection technology to protect your personal information.
Q6: How much can my limit are increased after verification?
Answer: Once verified, your Cash App limits generally go up to a $7,500 sending limit per week and an unlimited receiving limit. These figures are subject to change and may differ based on location or policy updates.
Q7: How long does it take for the new limits to be applied?
Answer: Verification usually takes a few days, although it can be quicker. Once verified, your new limits should be applied immediately.
Q8: What if my verification is unsuccessful?
Answer: If verification is unsuccessful, you will remain on the default limits. You may be prompted to provide additional information or go through the verification process again.
Q9: Can I revert back to lower limits?
Answer: Once your account is verified and your limits increased, there is usually no option to revert back to lower limits. However, you can always contact Cash App customer support for specific concerns.
Q10: Are there any fees for increasing my Cash App limit?
Answer: No, there are no fees for increasing your Cash App limit. However, regular transaction fees may still apply when you use the app for sending money or making purchases.
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Safe and Responsible Gambling: Your Guide to Enjoying Casinos Responsibly
Ever tapped on that enticing "Bonzas Spins login" button with one eye on the screen and the other on your rapidly depleting bank account? We've all been there! But there's a difference between a wild night of carefree fun and one that leaves you filled with regret. If you've ever wondered how to merge the thrill of the gamble with good old common sense, you're in luck! No need to hedge your bets on this one; we’ve got a foolproof guide just for you. 🎲
1. Setting the Right Mindset: You're Here to Have Fun
Remember, casinos are primarily designed as entertainment venues. Sure, there's always a chance you might walk away with a tad more in your wallet, but it's crucial to view any losses as the price of entertainment, much like buying a movie ticket or a concert pass.
2. Budgeting: Your Best Bet Yet!
It might sound counter-intuitive to discuss budgets in the same breath as gambling, but hear me out:
Pre-Set Limit
Before you even think of hitting that casino, decide on an amount you're comfortable losing. Emphasis on comfortable. That means your rent, grocery money, and kids' college fund are off-limits. Capiche?
Leave the ATM Cards Behind
Consider carrying just the cash you intend to spend. No swiping means no overspending!
Track Your Spending
Apps these days, right? There are numerous to help you keep track of your gambling expenses. Old-school notebook works too!
3. Time Check!
Ever noticed the lack of clocks in casinos? There's a reason! Time flies when you're...losing track of it. ⌛
Set an Alarm
Decide beforehand how long you’ll play, set an alarm, and when it goes off, gather your chips and walk away.
Take Regular Breaks
Stretch, grab a drink, chat with a friend. Breaks help you reassess and avoid going on 'tilt'.
4. Learning the Ropes
If you're trying a new game, take the time to learn it first. Remember, knowledge is power. And in the world of casinos, knowledge can also mean fewer unnecessary losses. 💡
5. Alcohol: Not Your Best Gambling Buddy
A drink or two? Fine! Downing a bottle of bubbly and then trying to count cards? Not the brightest idea. Alcohol impairs judgment and can make you take risks you wouldn't dream of when sober.
6. Recognize the Signs
Responsible gambling means recognizing when it's becoming a problem. Signs might include:
Chasing losses
Gambling away essential funds
Neglecting responsibilities and relationships
If you or someone you know showcases these signs, it might be time to seek help or take a break.
7. Making Use of Tools and Resources
Many online platforms, like our good ol' Bonza Spins, offer tools to set deposit limits, loss limits, and even self-exclusion options. It's like a safety net for those "just one more spin" moments.
8. Know When to Walk Away
Had a good run? Awesome! Hit a losing streak? Bummer. Either way, know when it's time to call it a night.
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Lights Out
Where I grew up in Chicagoland, there were no Walmarts in the 1960s. That was still primarily a regional southern chain, and in the Windy City, we had Kmart. It was the offspring of the S.S. Kresge Company, which had long maintained a chain of so-called dime stores.
The first Kmart had opened in Garden City Michigan in 1962, and was an instant success. The chain peaked at 2486 stores in 1994, but has been dying a slow but steady death ever since. And as my friend Rolando Pujol, The Retrologist, proclaimed in his Substack account this weekend, once the store in Westwood New Jersey closes later this month, only two will remain. The store is busy selling anything and everything, from merchandise to fixtures, in anticipation of the closing.
I have many memories of going to the nearby Kmart with my family. They were the stuff of which middle-class America was made. While my family was in good enough financial position to shop at Sears for most of our clothing, tools, appliances, and so forth, we went to Kmart for everything else.
Kmart’s signature marketing tool was its Blue Light Special, in which some hapless employee would push a little cart around that had a vertical pole, atop which was mounted the revolving blue light.
At the designated spot, he would stop and turn it on. An announcer would make a proclamation over the public address system, and then chaos would ensue as shoppers tried to grab whatever they could.
I still have memories of this, as it made each Kmart visit unique and, for all intents and purposes, competitive sport. Shoppers knew to keep a watchful eye for the cart appearing, wondering where it would stop, or listening for the crackle of the PA.
I'll never forget the vision of my mother clawing with other women over stockings that were on deep discount. I still bear the emotional scarring. My Dad, brother, and I looked on with upper lips curled, wondering what the hell is going on here. Pavlov missed his calling; he should have studied retail, not dogs.
Skip forward to 2005, and a very strange thing happened. Kmart, which by then was starting to swirl down the drain, merged into Sears, another chain whose better days were fading fast into the rear view. I suppose that misery loves company, and rather than each looking for a buyer to save their very lives, they joined forces.
Here we are today, with a pair of Kmarts and 12 Sears still open. It was like the Titanic tethered itself to the Lusitania, the latter torpedoed by change, the former sinking from smug ignorance of the dangers at sea.
Of course, we academics love a sad story as much as a happy one, because there are stories to be told, case studies to be written. And people will be writing about Kmart and Sears for years to come, both of which were firmly mired in their pasts, oblivious to the present, much less the future.
It is comically unimaginable to picture Kmart having the moxie to weather the COVID storm, with curbside, online ordering, and a powerful app. Not in your life. They’re still stuck with the clunky brick phones of the 90s, with flip phones just wishful thinking. Sears, of course, wound up being where old people shopped; they even sold off their best assets, namely private label brands like Craftsmen, Die Hard, and Kenmore, in order to raise cash. But you keep telling yourself that things will get back to the old normal.
Once the Boomers and Gen-Xers are gone, memories of these two chains will start to slip from public consciousness. There will be other companies as well, and my friend will no doubt be documenting them. This is his passion, chasing down the fading nostalgia of the day. It just makes me feel a little nostalgic, though, wanting to see one of those Blue Light Specials one more time. It would be entertaining.
That’s something no Walmart store can claim.
Dr “Just Don’t Trample Me” Gerlich
Audio Blog
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4 TAX TIPS FOR NEW SMALL BUSINESS OWNERS
Those who are new business owners have so much work to do and can easily track an upcoming tax deadline or financial data needs to submit their returns.
The organization is key when preparing for the tax period. As is taking benefit of the many tools and resources out there to support new entrepreneurs.
Here are 4 tax tips for the new small business owner.
Make bookkeeping easier and more effective
Efficient bookkeeping is one of the best ways new business owners can minimize their tax season burden. With the large range of accounting software out there, there is no reason to depend on time-consuming manual methods that leave room for error. Use an absolute option to automate your most crucial bookkeeping process including:
Tracking expenses
Managing inventory
Tracking sales and income
Creating and sending invoices
With your financial records all in one place and up-to-date, you are better positioned to maximize your refund, while avoiding penalties associated with inaccurate or incomplete tax returns.
Capture every business expense
Every year, a proportion of small businesses claim less than half of their business costs, largely because they do not have a dedicated system for documenting expenses while on the go.
Without delicately logged receipts, business owners must forfeit valuable tax deductions, sacrificing cash they could be funneling back into their business.
Cash in on claimable expenses by using a mobile app to record receipt data, track mileage and generate expense reports. As a bonus, many of these tools sync with your all-in-one accounting software.
Separate business from personal
From day one, small business owners should divide their personal and business costs. Distinguishing between the two will make it much easier to claim deductions on your tax return–and help those claims in case of an audit.
Suggested steps to separate your business and personal finances include:
Create a different bank account for your business, and select a credit card only for business purposes. It helps you track expenses while building up your credit and borrowing power.
Never merge business and personal expenses.
Pay yourself a fixed salary from your business checking account each month. It helps you decide how your income, as well as the business, will be taxed.
Consult with a professional
If your taxes are somewhat straightforward, you keep good records, and do not mind taking time to research tax laws, filing taxes on your own is an option. But working with a qualified tax professional offers many advantages.
Not sure just what you can claim as a business expense? Wondering which accounting software to use or how to solve local tax regulations?
A good tax professional just files a tax return. Tax planning services in Marlboro, NJ provide proactive guidance to help you save money, grow your business, and head off future tax issues. Working with a qualified professional costs money, but it is a small investment compared to the effect they can have on your business.
Use your financial documents and other documents to identify your revenues and expenses. Then, it is time to tally up the deductions applicable to your business to lower your taxable income. Another perk of hiring a tax expert is that they will take care of the calculation for you!
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GearCity: January 89, new electric motor batteries, S150 million pension investment, & market share.
https://www.gearcity.info
#EmersonMotors
#EmersonMotorCompany
#EmersonPerformance
#Allure
#GearCity
#kellyroycekey
pension account i was under the impression that the pension account was like a savings account... you put money in and it stays until it gets payed out through pensions. is it tied to the stock market somehow?
before the great crash i dumped all my stocks and had about $3B in cash i didnt know what to do with besides sit on, so i put a third into the pension account. in 4 months it dropped to 25m.
i thought i was crazy so i reloaded again and put less into the pension account. it again dropped from 200m to 25m. i have kept playing the game, but i am scared to put money into the pension account.
my total liabilities have gone from 25m (about what it dropped to) to 50m in that time, lots of near strikes at the beginning of the depression.
afaik there wasnt any notice or anything in the reports that told me where the money went
https://steamcommunity.com/app/285110...
Phantasmagoria has GearCity Aug 21, 2021 @ 2:22am Ford Achievement Is the Henry Ford achievement even possible? I can survive on hard mode, but 15M sales by 1930 seems ludicrous. Does anyone have this achievement, and how did you get it?
You might think it ludicrous, but that's what Ford did. By 1920 Ford had 55% market-share, world wide.
Numbers wise, pure AI sim, no player, sales figures average about 1 Million per year. A keen player can probably generate more sales on top of that. You'll need to average roughly around 40% market share over the period. So while it is feasible to do it, yes, it'll be pretty difficult to do. As it is meant to be. It's the halo achievement of the game.
How would I go about it? Buyout and consolidations, and really really really cheap, sell-able vehicles.
(Some feature bounty tickets might make the achievement a little more attainable, specifically the ones that merge the trimming system into the base models, so you don't have to manage many different trims. And the ones that make unlimited factory sizes.)
Shady Ed has GearCity Aug 21, 2021 @ 3:27am Originally posted by Phantasmagoria: Is the Henry Ford achievement even possible? I can survive on hard mode, but 15M sales by 1930 seems ludicrous. Does anyone have this achievement, and how did you get it?
It's more than achievable. I sold 16.4 million just from 1920 to 1929 on nightmare difficulty.
The key is non stop expansion. I was constantly building 5 or 6 factories and when ever one completed I'd start a new one. I got the achievement months ago but from memory I was somewhere from 1 to 2 million in yearly missed sales for most of the 20s too.
Pioneer320 has GearCity Apr 24 @ 12:20am For the record, I just got this achievement in July 1924. I was so afraid of missing the deadline, I was subsidising my cars using a late IPO and an even later sale of stock to keep going, selling around 2.4 million cars a year by 1923 at a heavy loss. It's probably possible to do it profitably, too.
Oleg Jughashvili has GearCity May 6 @ 6:39pm i think the best i ever managed was about 10,000 vehicle a year total, even in the 1970s #4
Traksimuss has GearCity Jun 10 @ 3:25am Oleg, then you are doing car design wrong or pricing wrong. You can sell 10,000 cars yearly by 1910 easily, sometimes even earlier.
Sheppis has GearCity Jun 10 @ 5:54pm Originally posted by Traksimuss: Oleg, then you are doing car design wrong or pricing wrong. You can sell 10,000 cars yearly by 1910 easily, sometimes even earlier.
Actually to be on route to make the Ford achievement you ought to be at around 100,000 by 1910 or else you will have a big (maybe to big) montain to climb in the 20's.
To make the Ford achievement you will need to average 500,000 yearly, for every year you cannot do so you are accumulating sales you have to catch up later. The roaring twentys will allow you to make up quite a bit, but there are limits to just how much you can make up.
When I did Ford I passed 100k before 1910, was at 500k when the war broke out. Hovered between 350-450k troughout the war. And made the achievement in 1924, so I had a few years to spare. You can do it at a slower pace, but after 1910 you really should be pushing 100k+ yearly.
00:00 Driving up and entering Emerson Motor Company Detroit, Michigan 00:17 Market Share 01:15 Sales 01:53 Awards 02:12 Pension 03:17 Construction 03:57 Design 07:14 Exiting and driving away from Emerson Motor Company Detroit, Michigan
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MONSTER LEGENDS GOLD GEMS [Monster Legends Gold Gems Generator 2024]
Monster Legends Cheats IOS And Android
In order to become a Legendary Monster Master, you must have the most powerful monster to beat other Monsters. It’s not easy since you need a lot of gold and food to grow this strongest monster. It takes a long time to collect enough food and gold to develop.
You can use gems to exchange food and money. However, it’s complicated to obtain free gems through fighting and winning battles. To make it quick, you must pay a lot of real money to get just a few diamonds, which not everyone can afford.
Don’t worry! Just put your wallet aside. On this page, we will teach you how to use our free Monster Legends Cheats Android and IOS to obtain limitless gold, gems, and food in Monster Legends.
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✅🅶🅴🆃🅵🆁🅴🅴 🆂🅴🆁🆅🅴🆁 2️⃣ 👉 𝐂𝐋𝐈𝐂𝐊 𝐇𝐄𝐑𝐄
You do not need to download any files because our generating tools are available online. Each time you utilize it, you can gain up to 1.000.000 gems, money, and foo. The best part is that you can use our tools as many times as possible. It does not limit the number of uses. You can get monster legends unlimited gems, gold, and food with it. Then you’d be able to unlock a vast number of unknown monsters and level them up in order to fast win the game.
Monster Legends Resources Generator
Click on the button above.
Enter your game username or ID and select the platform.
Select the number of gems, gold, and food you want and click Generate.
You need to complete 2 free tasks from our sponsor’s list to get resources. Just click on a task and follow instructions to complete it.
Upon completion, the selected resources will be sent to your account.
Please avoid harmful malicious mods since they will either flood your device with UNWANTED ADS or STEAL YOUR INFORMATION! We always provide excellent service and never engage in any deceptive practices in order to make money. We want you happy; that’s our goal. You can be sure to get quality service on Epicgameday.com.
FAQs
Is It Safe To Get Monster Legends Free Gems, Money, and Food By Using Merge Dragons Cheats Code?
Yes, you may put your faith in us. We are the leading company in providing Free Game Resources services. Our tools will never contain harmful malicious.
Do Your Monster Legends Free Gems Generator Actually Work?
Yes, it does. Across 15.000 individuals have benefited from our tools all over the world. We update our tools on a daily basis to ensure that they are completely functional. If you have any issues, please open a ticket or chat with us, and we will get back to you as soon as possible.
Is Your Monster Legends Free Gems No Survey, No Verification, No Human Verification, No Root, No Jailbreak, No Password, And No Download?
There is no survey or human verification. Most of our tasks just require you to download free games into your phone and run for 30 seconds. Then, you can uninstall these apps later.
How To Get Free Gems In Monster Legends No Hack?
You will get banned if you are trying to hack Monster Legends. The best method to gain free gems, cash, and food is to use our online monster legends generator. This program generates resources and sends them to your account. All you have to do is choose the number of resources you require and supply us with your username or ID so that we can deliver them to you. It is completely secure because no files will be downloaded to your mobile device.
How To Get Gems Fast In Monster Legends?
You may lawfully obtain Monster Legends gems by winning more combat fights, maintaining a high stamina level, viewing movies, participating in events, and receiving daily login incentives. Besides that, you can receive Monster Legends 99999 Gems For absolutely free from us. All you have to do is utilize our free gems generator online. Yes, you can receive Monster Legends free gems no download anything. It’s quite simple. Give it a go!
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Monster Legends Reviews
Monster Legends Introduction
Monster Legends is a multiplayer role-playing game in which you must raise an army of monsters from unhatched eggs into terrifying combatants and immediately prepare them for battle.
Almost every player in this sophisticated RPG may command their own elite force, with hundreds of monsters to pick from (each with their own set of skills) and the opportunity to breed and create new hybrid species.
Monster Legends How To Play
You’ve arrived in the land of Monster Legends, and you can’t wait to get started. Not so quickly! Before you even consider fighting, gather an army of monsters. Begin by creating your own Monster Paradise to do this.
Your home base is the island where the game begins. It’s where you’ll create, feed, train, and develop your monsters from tiny hatchlings to formidable beasts ready to take on any foe.
As your Monster Master job progresses, you’ll be able to build a Monster Paradise in which your animals reside in carefully created homes. On this island, you feed your monsters, encourage their training, and breed them between battles and missions and other mini-games for experience and important prizes.
Monster Legends Features
Begin immediately by constructing your Breeding Mountain, Farms, and Habitats!
Unlock unique structures such as the Library and the Monster Lab.
Level up your monsters for the upcoming encounters and rank them in the Monster Lab.
Increase the power of your monsters using Runes, Relics, Beasts, and Talents to get an advantage in combat.
Create a strategy that combines attackers, tanks, and control monsters.
Collect over 900 monsters: new creatures are added every week!
Combine monsters from various aspects and rarities to create unique new species.
In the game’s limited-time events, you may get fantastic creatures of all kinds.
When you walk into a battle arena with monsters that have been specifically trained up to almost super powered levels you’re going to be able to crush the competition with minimal extra effort whatsoever – completely wiping out all of the time and effort that they have spent trying to build the “perfect monster”.
You just can’t pull that off when you have to grind and grind (and grind and grind) away for hours and hours just to get a few incremental bumps in skill level here and there.
It’s just not worth it, which is why so few people have been able to create full stables of monster creations in Monster Legends that are jam-packed with some of the most fierce, ferocious, and flat out powerful monsters the game has ever seen.
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