Hello everyone, i'm joining a DD I did on a discord server I am. I started this due-diligence with the intentions of being a long-term investor in this company, and not to swing the SPAC or act like a WSB kid.
This DD does not go into the fundamentals of the company, but serves as an introduction to what to expect, who Paysafe is and who is against them.
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(Disclaimer: Long story short, this is personally the type of stock I love as a person, a consumer, and also a developer. This comes right to the core of what I do and love. Clearly, this DD will be subjective, so I’ll try my best. None of this is investment advice. I also own a 2/4 position in $bft)
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Paysafe is, In my opinion, a possible monopole of the payment processing in the Gaming Industry*. The company regroups multiple smaller divisions/departments/companies.
*(IncomeAccess, PaysafeCard, Paysafe:cash, Neteller, PCS, Skrill)*
__Products they offer__

• Integrated Payments(e.g: custom eCommerce, you use PSFE as payment processor. Taxes management, income, outcome, bills, etc.)
• Digital Wallets(e.g: Like PayPal, SQ Cash, WS Cash, AliPay)
• Direct Debit(e.g: Any prepaid Debit Visa, Tangerine, WS cash)
• Cash Online(e.g: PayPal, pay bills through PSFE)
• Online Payments(e.g: eCommerce solutions)
• POS(e.g: Shopify, Square, Stripe)

*I MENTIONED RIVALS, PLEASE CONSIDER THEM. KNOW YOUR RIVALS AND COMPETITION*
*Biggest direct rivals\*
(Offer 3/4 or same products as PSFE)

1. Stripe
2. Square
3. Paypal

*Biggest secondary rivals\*
(Offer some products they have)

1. Google Pay
2. AliPay
3. Wealthsimple Cash __or__ any prepaid debit company
4. Shopify
5. ShakePay
6. GlobalPayments
7. WorldPay

__Their important sectors__

1. eSports(e.g: Fortnite, Xbox, Stadia, Roblox, DraftKings, *General Gambling Companies*)
2. Social Medias(Twitch, Youtube Premium, Spotify)
3. Merchants(Twitch, Steam, Amazon, Google Play)

__Current PRIVATE(Not $BFT, but directly in Paysafe) investors__

1. Canada Pension Plan Investment Board
2. Blackstone Group
3. CVC Capital Partners

\It is important to note, that to this date, #2 and #3 are selling to the SPAC. Which means, they will no longer hold a % in Paysafe once the merger is complete. No information has been disclosed to if CPPB will be out, or remain.*
__Long boys__
(If you wonder, why PSFE? Read this, has all your answers)
Read this: https://s25.q4cdn.com/579018173/files/doc_presentations/2020/Foley-Trasimene-Acquisition-Corp.-II-and-Paysafe-investor-presentation.pdf
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__Personal Opinion__
I truly believe there is potential for this SPAC, but in no world do I see PSFE being comparable to Square, Stripe or Paypal, for now.
It is important, very important to emphasize that $PSFE is nowhere close the companies i've mentioned. Yes, $PSFE is diversified and has an amazing management team, but they are not there product-wise.
I will be looking out for them to dominate in the Gaming and Gambling world, then ideally in the eCommerce and Crypto sector. I would not, be buying PSFE in hopes to outgrow the 3 companies in the next 5 years, minimum then a re-evaluation can be done once we are there.

I think that this one has been under-reported somewhat but since I work in the online gaming industry, it showed up on my radar.
This SPAC has reached a deal to bring back Paysafe to the market, at a valuation of 9 billions.
What is Paysafe?
Paysafe Group has been consolidating the market for e-wallets and alternative payment methods for years and went back into private hands 3 years ago.
They regroup all the main e-wallets used for online gambling and Forex: Skrill and Neteller and also prepaid cards (to be bought in 7/11 and the like) under the Paysafe brand.
Why e-wallets matter in the online gambling market?
E-wallets and prepaid cards represent about 25% of the volume of payments in online gambling in UK, Europe, Canada and Skrill/NetellePaysafe are by far the biggest names in this field.
https://www.fisglobal.com/-/media/fisglobal/WorldPay/Docs/Miscellaneous/Gaming%20Payments%20Report%202019
Neteller and Moneybookers (as Skrill was known then) were dominating the US alternative payment methods gambling market in the US before they got pushed out in 2007. They still have high name recognition amongst the gambling crowd and web searches in the US for these brands remain high, even if they can’t process much transactions there for gambling since many states don’t have online gambling legislations yet, or very limiting ones.
E-Wallets are often the preferred payment method for gamblers since it allows to move money from one operator site to the other quickly and cheaply. They can also use it as a bankroll segregated from their main bank account/CC and on top of that, Paysafe offers loyalty benefits to users based on their transaction volumes. As such, their user retention is very good.
The prepaid card business is also a major factor for this stock attractiveness. Prepaid cards to be bought in gas stations or the like are often preferred by gamblers who want to strictly control their gambling or those who don’t have access to a CC (maybe because they gambled too much) or those that prefer cash transactions out of privacy concerns…
Why not invest in the gambling operators instead?
Operators such as Draftkings or legacy casino groups are going to make money but the regulatory environment is harsh and gambling taxes are crazy in some states and might keep going higher.
Moreover, the regulations being so fragmented, many smaller operators push in certain states and not others and the competitive environment is broad. Remember that gambling is a fungible good. There is no difference in the casino games that the operators can offer (same game studios, same rules) and aside from bonuses and the margins on sports bets, the only differentiation is in branding, which is a thin moat on a product that often leaves the users disgruntled (losers).
Payments on the other hand are not taxed for their relationship to gambling and there are far fewer players.
How does Paysafe make money?
The margins on their products are pretty high and Paysafe charges both sides of the transaction in the case of the e-wallets and the merchant side in the case of the prepaid cards.
For the use of Skrill and Neteller wallets, Paysafe charges on average 4.5% on the merchant side for deposits and a whooping 9.9% on deposits with prepaid cards… Larger merchants certainly can negotiate these rates down but this is still a healthy fee, much higher than credit card processors.
In markets where Paysafe has established domination they charge a small deposit fee to the user and a withdrawal fee.
For now, they charge no fees to the US users in a bid to grow market share surely but that will probably end some day.
Growth opportunity:
For now, the US online gambling market is still very limited. Most states have not legalized, the majority of those who have legalized only did so for sports betting and then a handful have legalized online casino gaming (where the real money is made). The opening up of the market is bound to grow as states need money and more of the world moves online.
https://www.playusa.com/us/
It is estimated that the online gaming market could reach 25 billions a year in the US in a few years time and 150 billions worldwide.
https://www.gminsights.com/industry-analysis/online-gambling-market#:~:text=The%20North%20America%20online%20gambling,CAGR%20during%20the%20forecast%20period.
https://www.grandviewresearch.com/press-release/global-online-gambling-market
These revenues do not equal to deposited amounts, they equal net deposits (deposits minus withdrawals). The hold % of online casinos can be anywhere between 50% and 80% depending on how degenerate the market is in a given country but we can conservatively assume 60%.
This means that deposits volume in the US alone would reach about 40 billions, Europe about 50 Billions and worldwide 250 billions.
That should give Paysafe around 8-10 billions in transaction volume per year in the US alone , another 10-12 billions in Europe and conservatively, another 20 billions worldwide.
Valuation estimates:
Rough estimates are therefore revenues of about 1.5 billions per year for Paysafe group in a few years for gambling alone.
Paysafe claims 1.5 billions in revenues total projected for 2021, with only a third from gambling.
Even assuming no growth from the other verticals, this means that the total revenues of Paysafe should grow by 66% with gambling alone in the next 5 years or so.
Pysafe is investing a lot into expansion in other areas than gambling, notably video-gaming and remittance so assuming they don’t fuck it up completely, we are likely to see a 3 billions dollar in revenues in the next 5 years.
Using Paypal’s marketcap vs revenues, that would mean 50 billions in marketcap for Paysafe… Of course, Paypal is ingrained deeply in the whole of ecommerce and Paysafe is more specialized in gambling which might be shakier and herefore command a lower valuation.
The deal details are not fully known but it looks like a current valuation of 9 billions for Paysafe Group upon listing.
Based on my estimates, the marketcap could reach 50 billions in a few years time, one US market for gambling fully opens.
$BFT is trading at a 25% premium right now, therefore the estimate is 4x on investment over a few years.
Obviously you retards are not the most patient bunch but I believe the stock will jump when it morphs and so keep an eye out for the options.

BFT

425 Filing (One of many)
https://www.sec.gov/Archives/edgadata/0001818355/000119312520311318/d91054d425.htm
“As part of the financing, I am pleased to announce that we have received commitments for a private investment of $2.0 billion anchored by title and life insurance subsidiaries of Fidelity National Financial, Third Point Asset Management and Maplelane Asset Management, which will be funded upon the conclusion of the combination which we expect to close in the first half of 2021.”
Analysis: Fidelity, Third Point, and Maplelan all support this business acquisition and will complete their investment after the completion of the merger. Shows strong faith in both companies and the possible growth.
“Paysafe is a highly attractive and scarce investment opportunity within the payments and fintech space, where I believe we can add significant value to Philip and his team. Paysafe has an attractive combination of payment assets including a leading digital wallet platform in Skrill, one of the fastest growing eCash businesses, and a merchant business focused on high growth vertical markets. We will help Phillip and his team identify additional cost savings, focus on the most attractive organic revenue growth opportunities and identify and execute strategic acquisitions. With a proven strategy, an experienced management team and our newly formed partnership, we believe Paysafe has significant long-term growth potential.”
Analysis: Paysafe has multiple assets that allow them to invest into multiple areas of ecommerce. Digital wallets, different cash payments. They’re looking to merge with BFT to cut costs and increase revenue at a higher rate of growth than Paysafe is expecting to perform on their own.
“These improvements will come in various tracks. First, it’s going to be in total project cost savings from platform integration. We’re also going to have a 30% reduction in Premise’s office footprint. We’ll have back office consolidation in risk compliance and operations. And, the risk platform is going to save another $15 million from fraud reduction, good and bad rate improvement, credit loss improvement, and digital wallet funding enhancements. We also believe there is an opportunity to improve Paysafe’s banking relationships generating additional cost saves, adding to EBITDA growth.”
Analysis: Looking to increase EBITDA growth with BFT. Their strategy is to reduce spending costs and increase risk management with their assets as well as the clients. Paysafe is also looking to increase relationships with other online transactors.
“Lastly, our primary goal is to win in US iGaming. Ten percent of the US iGaming market share is forecasted to grow to $24 billion of market volume in 2025. The upside case is about $47 billion of market volume. Remember that Paysafe has a global base of 15 million customers across all of its verticals. We have a proven strategy of winning as new global markets open. And most importantly, we have unrivalled regulatory risk and technical expertise.”
Analysis: Paysafe controls 100% iGaming in Canada and has 75% of iGaming U.S. market. iGaming is 30% of their revenue and they are looking to control the entire market as there is continual growth with consistent users and younger generations.
“In terms of who we service, we service millions of Gen Z and Millennial gamers. They’re playing Fortnite and PlayStation or downloading songs on Spotify. We service the casual gamer that doesn’t bet very often, maybe for the final four, or Super Bowl, or their favorite cricket team, but we also service millions of security conscious and under bank customers that don’t want to expose their card online for general commerce.”
Analysis: Paysafe is attracting younger customers and has a strong control of the gambling area. Could have correlation with DraftKings.
“Two totally separate platforms, totally separate sets of code. We’ve put them onto a single platform that would drive a lot more efficiency and speed to market.”
Analysis: a lot more efficiency and integration, trying to increase revenue by cutting down services” Paysafe example of increasing efficiency and cutting costs.
“Paysafe has integrated 15 companies throughout its history, and the current executive team has done well over 300 deals combined, either negotiated and/or integrated, including many multi-billion dollar deals. There’s a lot to combine here where we think we can drive some exciting consolidation as well.”
Analysis: Paysafe has experience acquiring companies, so we should keep a lookout for more BFT mergers.
“Let me break that down as I walk down the funnel on the right-hand side of the page. Of the 4,300 listed companies, about 1,500 companies have revenues over $1 billion; we have $1.4 billion. Of the 1,500 companies, roughly 300 expect revenue growth over 10%; we are expecting 11%. Only 75 have margins greater than 30%, and only 40 of them are also supported by a capital light business model.”
Analysis: Paysafe has jumped all these hurdles, just statistical reasons why BFT believes Paysafe is a great growth company.
“The first comp for us is always PayPal. While PayPal is a much larger and more scaled business, we do look at the playbook and their history of the last 10 years and the consolidation of platforms, successful expansion beyond their core roots, and then M&A to drive a massive value story. We absolutely see Paysafe as positioned for a very, very similar story, and with the same capabilities.”
Analysis: PayPal can be considered comparable to Paysafe with assets and possibilities of growth.
425 Filing:
https://www.sec.gov/Archives/edgadata/0001833835/000119312520311887/d166158d425.htm
We expect the transaction to close in the second quarter of 2021 at which point Paysafe will be publicly traded on the NYSE.” Under PSFE
Stock: BFT
Warrant: BFTW Units: BFTU
Units contain ⅓ of a warrant. One warrant allows convertible to Class A stock at $11.50 share price.
425 Filing:
https://www.sec.gov/Archives/edgadata/0001833835/000119312520311998/d54063d425.htm
Presentation from initial 425 filing that goes along with the ViaVid Communications report.

BFT
425 Filing (One of many)
https://www.sec.gov/Archives/edgadata/0001818355/000119312520311318/d91054d425.htm
“As part of the financing, I am pleased to announce that we have received commitments for a private investment of $2.0 billion anchored by title and life insurance subsidiaries of Fidelity National Financial, Third Point Asset Management and Maplelane Asset Management, which will be funded upon the conclusion of the combination which we expect to close in the first half of 2021.”
Analysis: Fidelity, Third Point, and Maplelan all support this business acquisition and will complete their investment after the completion of the merger. Shows strong faith in both companies and the possible growth.
“Paysafe is a highly attractive and scarce investment opportunity within the payments and fintech space, where I believe we can add significant value to Philip and his team. Paysafe has an attractive combination of payment assets including a leading digital wallet platform in Skrill, one of the fastest growing eCash businesses, and a merchant business focused on high growth vertical markets. We will help Phillip and his team identify additional cost savings, focus on the most attractive organic revenue growth opportunities and identify and execute strategic acquisitions. With a proven strategy, an experienced management team and our newly formed partnership, we believe Paysafe has significant long-term growth potential.”
Analysis: Paysafe has multiple assets that allow them to invest into multiple areas of ecommerce. Digital wallets, different cash payments. They’re looking to merge with BFT to cut costs and increase revenue at a higher rate of growth than Paysafe is expecting to perform on their own.
“These improvements will come in various tracks. First, it’s going to be in total project cost savings from platform integration. We’re also going to have a 30% reduction in Premise’s office footprint. We’ll have back office consolidation in risk compliance and operations. And, the risk platform is going to save another $15 million from fraud reduction, good and bad rate improvement, credit loss improvement, and digital wallet funding enhancements. We also believe there is an opportunity to improve Paysafe’s banking relationships generating additional cost saves, adding to EBITDA growth.”
Analysis: Looking to increase EBITDA growth with BFT. Their strategy is to reduce spending costs and increase risk management with their assets as well as the clients. Paysafe is also looking to increase relationships with other online transactors.
“Lastly, our primary goal is to win in US iGaming. Ten percent of the US iGaming market share is forecasted to grow to $24 billion of market volume in 2025. The upside case is about $47 billion of market volume. Remember that Paysafe has a global base of 15 million customers across all of its verticals. We have a proven strategy of winning as new global markets open. And most importantly, we have unrivalled regulatory risk and technical expertise.”
Analysis: Paysafe controls 100% iGaming in Canada and has 75% of iGaming U.S. market. iGaming is 30% of their revenue and they are looking to control the entire market as there is continual growth with consistent users and younger generations.
“In terms of who we service, we service millions of Gen Z and Millennial gamers. They’re playing Fortnite and PlayStation or downloading songs on Spotify. We service the casual gamer that doesn’t bet very often, maybe for the final four, or Super Bowl, or their favorite cricket team, but we also service millions of security conscious and under bank customers that don’t want to expose their card online for general commerce.”
Analysis: Paysafe is attracting younger customers and has a strong control of the gambling area. Could have correlation with DraftKings.
“Two totally separate platforms, totally separate sets of code. We’ve put them onto a single platform that would drive a lot more efficiency and speed to market.”
Analysis: a lot more efficiency and integration, trying to increase revenue by cutting down services” Paysafe example of increasing efficiency and cutting costs.
“Paysafe has integrated 15 companies throughout its history, and the current executive team has done well over 300 deals combined, either negotiated and/or integrated, including many multi-billion dollar deals. There’s a lot to combine here where we think we can drive some exciting consolidation as well.”
Analysis: Paysafe has experience acquiring companies, so we should keep a lookout for more BFT mergers.
“Let me break that down as I walk down the funnel on the right-hand side of the page. Of the 4,300 listed companies, about 1,500 companies have revenues over $1 billion; we have $1.4 billion. Of the 1,500 companies, roughly 300 expect revenue growth over 10%; we are expecting 11%. Only 75 have margins greater than 30%, and only 40 of them are also supported by a capital light business model.”
Analysis: Paysafe has jumped all these hurdles, just statistical reasons why BFT believes Paysafe is a great growth company.
“The first comp for us is always PayPal. While PayPal is a much larger and more scaled business, we do look at the playbook and their history of the last 10 years and the consolidation of platforms, successful expansion beyond their core roots, and then M&A to drive a massive value story. We absolutely see Paysafe as positioned for a very, very similar story, and with the same capabilities.”
Analysis: PayPal can be considered comparable to Paysafe with assets and possibilities of growth.
425 Filing:
https://www.sec.gov/Archives/edgadata/0001833835/000119312520311887/d166158d425.htm
We expect the transaction to close in the second quarter of 2021 at which point Paysafe will be publicly traded on the NYSE.” Under PSFE
Stock: BFT
Warrant: BFTW Units: BFTU
Units contain ⅓ of a warrant. One warrant allows convertible to Class A stock at $11.50 share price.
425 Filing:
https://www.sec.gov/Archives/edgadata/0001833835/000119312520311998/d54063d425.htm
Presentation from initial 425 filing that goes along with the ViaVid Communications report.
0 Comments

First off let me start by saying i do not know what im typing, i do not know what im thinking, i have never felt like this before. Im not mad, not sad, not angry, not happy, ive never fult such nothingness before.
Anyways i have the rest of this month and the next month in my current home. After that im going homeless. All i have is a car and a few assets that can get a few bucks but not much to my name. I dont know if im allowed to talk about suicide but im going to be honest in my post; if the time comes and i havent found any hope or even a step 1, im going to kill myself. I dont want to die, but i dont want to live this life. I am not depressed or anxious or whatever, im good in the head, but recent events have taken their toll on me.
Forgot to mention thje important details, i am 19, just finished my first semester in Computer Science in university (and probably my last semester) and i do not work. I live in Lebanon. I do not have a passport to another country. I do not have anyone that can support me. I am completely alone and have a bit of money(1-2k ish) left if i sell my car and all i own.
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I guess the advice im asking for here is what should i do? Is there any hope? also please note i live in Lebanon; basically shit internet, shit electricity, no social benifits or whatever no nothing. This country is worse than a 3rd world. i probably miswed a lot of important details, but im struggling to think straight. Feel free to ask me anything (doesnt matter if its personal) related to the matter. Thank you for reading my reddit post. have a good day.
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Edit: I cannot begin to explain how i feel. I never thought anyone would care this much. I am not good with expressing myself but thank you to each and everyone who replied. It really is helping way more than you think. This is going to be a ramble but here goes. As to everyone asking me not to give up, i hope i dont. i want to figure this out and be on top i really do. i will try my best. i hope on day in the future i can come back and update you guys with a happy ending. i havent cried in a long time and you guys have brought emotions i thought were long gone. so thank you for that. I am trying to reply to every single reply but so many are coming in so fast, so for those that i miss, i am very sorry. Eventually i will get to it and i thank you in advance. So for those who are interested, i have concluded from all the replies a general plan that i would like to share for some criticism. First thing i should do is find a job, which i am trying my best to do. After i find a job i will try and find the cheapest/best rent i can and live on the bare minimum while saving up as much as i can. Now here is where i get a little lost. i know i should get a certain amount of money before considering immigration but have no idea what estimate that consist of, so help on that would be amazing. Next i will contact embassies (Canada and Sweden have been good suggestions so far) for help regarding immigration or a student visa. Also any help regarding immigration would be amazing as i have no clue how all that works. now that im typing that i feel like im asking for too much. i really dont deserve the support you guys have given me today, i cant thank you enough. Anyways that is the general plan, and i know for a fact once i land in a country better than Lebanon i will thrive. i know i can. All i need is a half decent government behind me that wont steal my money. thats it. i dont want rights, i dont want jack shit. i just want my hard earned money. So yeah this is probably the worst paragraph of words to read, so for those of you who did, thank you. My brain is barely functioning i feel like now, so this took a lot of energy to type. Thank you yet again to each and every single one of you. i mean it. I hope to update you guys soon on what happens.
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Edit 2: I think i have finally replied to every single comment i got. If i get more replies during the night i will answer them tomorrow. I wanted to say thank you again everyone for everything you did. Also to everyone asking to donate, please go donate that money to a charity of your choice. I will be going to bed now, and i wanted to emphasize how much this all means to me. You guys changed me today. Thank you again. i cannot say that enough. I hope one day i will be posting an update with a happy ending. Thank you for your best wishes and hope to talk to you again soon reddit.
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Edit 3: Hello everyone, i just woke up and got a shower and hopped on the computer. I am still in shock with everyone's support. i still cant thank you enough. I am reading through all the comments but i am afraid i do not have enough time to reply to all of them. I just want you guys to know i am reading your comments and i appreciate it way more than you think. Today is a big day for me; will be roaming around looking for jobs, need to setup some emergency foods and such. Lots to do today. Your support is giving me strength beyond what i thought i had. You guys have proven that people still care, there is hope. I will be updating you whenever i can, as i now consider you guys my friends. Also dont forget im reading your replies, and i really really appreciate it very much. Regarding looking for online jobs, i will try to make up a decent resume of sorts when i get back home and see what i can find. I really shouldn't be asking for more help from you guys, as you have done way more than enough, but i thought id ask ; i still have a few bucks remaining in my paypal, nothing worth cashing out though i was wondering if maybe like i can invest it or gamble it or of the sorts. Im obviously not counting on it, neither am i a gambler, just trying to give an example. Just a thing i can try my luck in see if it can help. Again, thank you to each and everyone one of you. i keep repeating myself but as i keep saying, im bad at expressing myself. I just want you guys to know i really appreciate everything. Will update you soon, have a good day everyone.

BFT

425 Filing (One of many)
https://www.sec.gov/Archives/edgadata/0001818355/000119312520311318/d91054d425.htm
“As part of the financing, I am pleased to announce that we have received commitments for a private investment of $2.0 billion anchored by title and life insurance subsidiaries of Fidelity National Financial, Third Point Asset Management and Maplelane Asset Management, which will be funded upon the conclusion of the combination which we expect to close in the first half of 2021.”
Fidelity, Third Point, and Maplelan all support this business acquisition and will complete their investment after the completion of the merger. Shows strong faith in both companies and the possible growth.
“Paysafe is a highly attractive and scarce investment opportunity within the payments and fintech space, where I believe we can add significant value to Philip and his team. Paysafe has an attractive combination of payment assets including a leading digital wallet platform in Skrill, one of the fastest growing eCash businesses, and a merchant business focused on high growth vertical markets. We will help Phillip and his team identify additional cost savings, focus on the most attractive organic revenue growth opportunities and identify and execute strategic acquisitions. With a proven strategy, an experienced management team and our newly formed partnership, we believe Paysafe has significant long-term growth potential.”
Paysafe has multiple assets that allow them to invest into multiple areas of ecommerce. Digital wallets, different cash payments. They’re looking to merge with BFT to cut costs and increase revenue at a higher rate of growth than Paysafe is expecting to perform on their own.
“These improvements will come in various tracks. First, it’s going to be in total project cost savings from platform integration. We’re also going to have a 30% reduction in Premise’s office footprint. We’ll have back office consolidation in risk compliance and operations. And, the risk platform is going to save another $15 million from fraud reduction, good and bad rate improvement, credit loss improvement, and digital wallet funding enhancements. We also believe there is an opportunity to improve Paysafe’s banking relationships generating additional cost saves, adding to EBITDA growth.”
Looking to increase EBITDA growth with BFT. Their strategy is to reduce spending costs and increase risk management with their assets as well as the clients. Paysafe is also looking to increase relationships with other online transactors.
“Lastly, our primary goal is to win in US iGaming. Ten percent of the US iGaming market share is forecasted to grow to $24 billion of market volume in 2025. The upside case is about $47 billion of market volume. Remember that Paysafe has a global base of 15 million customers across all of its verticals. We have a proven strategy of winning as new global markets open. And most importantly, we have unrivalled regulatory risk and technical expertise.”
Paysafe controls 100% iGaming in Canada and has 75% of iGaming U.S. market. iGaming is 30% of their revenue and they are looking to control the entire market as there is continual growth with consistent users and younger generations.
“In terms of who we service, we service millions of Gen Z and Millennial gamers. They’re playing Fortnite and PlayStation or downloading songs on Spotify. We service the casual gamer that doesn’t bet very often, maybe for the final four, or Super Bowl, or their favorite cricket team, but we also service millions of security conscious and under bank customers that don’t want to expose their card online for general commerce.”
Paysafe is attracting younger customers and has a strong control of the gambling area. Could have correlation with DraftKings.
“Two totally separate platforms, totally separate sets of code. We’ve put them onto a single platform that would drive a lot more efficiency and speed to market.” a lot more efficiency and integration, trying to increase revenue by cutting down services”
Paysafe example of increasing efficiency and cutting costs.
“Paysafe has integrated 15 companies throughout its history, and the current executive team has done well over 300 deals combined, either negotiated and/or integrated, including many multi-billion dollar deals. There’s a lot to combine here where we think we can drive some exciting consolidation as well.”
Paysafe has experience acquiring companies, so we should keep a lookout for more BFT mergers.
“Let me break that down as I walk down the funnel on the right-hand side of the page. Of the 4,300 listed companies, about 1,500 companies have revenues over $1 billion; we have $1.4 billion. Of the 1,500 companies, roughly 300 expect revenue growth over 10%; we are expecting 11%. Only 75 have margins greater than 30%, and only 40 of them are also supported by a capital light business model.”
Paysafe has jumped all these hurdles, just statistical reasons why BFT believes Paysafe is a great growth company.
“The first comp for us is always PayPal. While PayPal is a much larger and more scaled business, we do look at the playbook and their history of the last 10 years and the consolidation of platforms, successful expansion beyond their core roots, and then M&A to drive a massive value story. We absolutely see Paysafe as positioned for a very, very similar story, and with the same capabilities.”
PayPal can be considered comparable to Paysafe with assets and possibilities of growth.
425 Filing:
https://www.sec.gov/Archives/edgadata/0001833835/000119312520311887/d166158d425.htm
We expect the transaction to close in the second quarter of 2021 at which point Paysafe will be publicly traded on the NYSE.” Under PSFE
Stock: BFT
Warrant: BFTW Units: BFTU
Units contain ⅓ of a warrant. One warrant allows convertible to Class A stock at $11.50 share price.
425 Filing:
https://www.sec.gov/Archives/edgadata/0001833835/000119312520311998/d54063d425.htm
Presentation from initial 425 filing that goes along with the ViaVid Communications report.

So I've been proactive in groups on Facebook and what not and I've seen a lot of inquiries on where people can buy fragrances. Now I know this has probably been discussed a bazillion times but I'd thought that I'd put in my two scents. (I'm almost certain you can find other subs and resources on this matter on this subs wiki)
So let's first start off here on Reddit: There are several places you can purchase or swap fragrances here on this app. The first and perhaps the most active is fragranceswap. FS is my go to on this app and is generally well regulated. Prices tend to be pretty good and 99 percent of the time everything is legit. They have a fantastic verification process which helps out a lot
There is also PerfumeExchange (I think thats correct). I have no experience with this sub-reddit but there are a lot of cross posts between this one and FS.
There are also plenty of fantastic redditors sub-reddits that sell/split decants. A well known and trusted one is u/TwentyOneDays
Lets move on to websites:
First up Fragrancenet- Despite it's god awful shipping times it's still my go to for most frags. The prices are generally some of the best and usually they have what I'm looking for. All frags on here are legit 99.9999% of the time, or in other words its essentially a fake is never going to be delivered to you if you order from them. Their frags are sourced through the grey market and thus they are able to afford such prices
Fragrancex- Basically the same as above with faster shipping and varying prices/stock
Fragrancebuy.ca- Perhap's one of the better online retailers. From my experience they have fantastic deals and steals. They are based in Canada and thus shipping could be an issue. If you are located CONUS and buy from there do so with a credit card because paypal conversion rates will screw you over.
Luckyscent: Essentially a niche/indie paradise. Huge selection of niche and indie fragrances. From my experience they are not discounted but they offer insanely cheap samples of just about every fragrance in their stock. Plus with every order you get 3 free samples. Highly Recommend
Next lets go to apps (facebook/eBay/amazon etc): So a note before I start, I usually tend to stay away from apps like mercari, offerup, etc. as fakes are more abundant on said apps. You can still find potential deals but tread carefully.
Facebook Groups: Now my go-to for fragrance buying. I've found absolutely fantastic deals on Facebook and thus it's my go to place now for bottles. Again as with any app tread carefully and don't hesitate to legit check who you're dealing with. Groups are for the most part really accommodating and do not tolerate scammers at all. Always deal with PayPal G&S.
---Side note: Raffles or "waffles" are abundant on Facebook groups. Generally I'd advise to stay away from these. Trust me I would know. I've maybe entered 10 and only won two. I won my first one ever and thus I had the confidence of Icarus and then reality slapped me in the face. If you do partake in a waffle, here are my suggestions: partake in ones that are 15 spots and less to maximize chances. Partake in ones that are 10$ and less. Finally partake in one everyso often.
Raffles are essentially gambling and it can be rewarding but it can also be "draining". I've seen people loose when they've bot 5 spots spending 50 dollars whereas a user who spent 10 on spot end up winning. All this rambling to say, high risk high reward and thusly as with everything on this app proceed with caution
Amazon/eBay: I don't buy fragrances from Amazon unless it's a uber cheapie and that generally tends not to happen. I prefer eBay as it's easier to gage wether a fragrance is real or not. Some key pointers, don't buy fragrances from Russia/Eastern Europe, make sure the satisfaction rate is atleast 98.99+, finally if it's too go to be true then steer clear. For the most part you can get pretty good deals from legitimate sellers. Finescentsllc is a trusted seller and a good starting point for eBay users.
Again this is only from my experience and yours may vary. Remeber that there is a global pandemic going right now so shipping could potentially be slow or other indie perfumeries may not be in production right now. If you made it this far, thank you so much for reading this jumbled mess and stay safe y'all!!
Edit: Shoutout to u/FubilantFredulous for putting the correct eBay user, Finescentsllc.

This community is amazing, and I spend way too much of my daily time on the threads here so a big thanks to all of you guys for being sweet :).
​
Disclosure - Nothing has been given in return for this review.
​

• Seller: TS Alisa (info here)
• Price of item: It was on sale for 650 CNY + 450 CNY (for shipping) which she converted to 155.71 USD (a steal for this price!) which we won't convert to CAD cause the Canadian doller...ugh...
• Payment method used : Paypal F&F (so tag on an additional $10 CAD)
• Price of shipping, carrier: 450 CNY for EMS to Canada.
• Order timeline:

1. April 8 2020: Inquired, and paid for this bag as well as for another
2. Mid-April: Sorry, I erased my photos from We-chat for space but she was pretty timely with getting me PSPs for this bag
3. June 1 2020: Bag mailed out with second bag (initially the second bag I ordered was not available, which she only mentioned when I asked her in late May, so that’s why it took so long to ship out)
4. June 8 2020: Delivered right to my front door in Canada...that's faster than some of the online shopping I do within Canada!

​
Helpful Links if you decide to enter the Arco Rabbit Hole
Shout out to avokadoes for her amazing post which pushed me to write this review because your girl was getting too lazy to write a review. If I could look at the half written Google Docs for my bags bought…
And another shoutout to pokeeeebowl for her review which is way better at quality control than I am so please take a look at her review for those of you really into that QC life.
The OG yoofka for her review on the Arco 48 size, which I read after I purchased my bag because that’s how I roll.
​
Background info on moi a.k.a get your tea refill and get comfy
Ok...intro time. I am a backpack girl and still commuting 2-3 times a week because I work at an essential service. This has worked out fine for me except when I decide to wear dresses, or my back gets a bit sweaty from having a bag on. So decided to try and embrace that tote/purse life I see a lot of people do on the subway. Cause sometimes I want to feel stylish at the expense of my shoulders...
As long as my bag can carry my lunch, an empty water bottle (I fill it at work, cause I am not about that leakage life on the subway...have I been scarred...yes), my wallet, and once it gets cool enough my knitting...then we are good. So I don’t expect this bag to carry it all for me, as outside of this I am a wallet + phone + keys type of individual.
I bought the infamous BV pouch from TS Anna about two months ago, loved it’s logo-less design and decided to go down the BV route again to choose a bag. Because sometimes it’s about that “if you know...you know” life.
Some people try to go to a store to check out bags. I avoid any situation that puts me with dealing with people in-person and instead use the Internet to my advantage to scour how the bag will look on other people and take the gamble on myself. Sometimes this works...sometimes (as I have discovered) you have a closet full of stuff that needs to be de-stashed.
​
Photos

• [My photos] (https://imgur.com/a/Jsnompq)
• [Mod Shots] (https://imgur.com/a/xqGI2ZY) I am terrible at guessing my height but I’m about average 5 ft 4 I think? I wear a size 10 in Zara jeans if that helps too.
• [PSP](None; I deleted them from my phone and I apologize!!!!)
• [Factory pictures](https://imgur.com/a/DaZ3rUe) (Please let me know if you can identify what factory)
• [Authentic](I couldn’t find the black smooth leather option on the official website anymore, but I linked a pic to the maroon option they have.)

​
Quality - 10/10

• Leather smooth...buttery smooth. A few slight misshapen areas in the handle but that’s due to packaging and I am sure it will settle into its own thing after usage
• Inside there is a hanging organizeflap that has a zipper compartment plus two open pockets which comfortably fits my phone; zipper works beautifully and everything inside looks well stitched
• Typical leather smell. No weird funk.

​
Accuracy - 9.5/10
I am not picky at QC. As long as the logo itself is spelled correctly, we’re good.

• Thanks to the hard work of avokadoes I was able to realize my bag fell victim to that logo misplacement. The “Made in Italy” embossment on the outside and inside are lined up incorrectly, they start underneath the T and end at N of “Bottega Veneta”. The devil works hard, but avokadoes works harder (-0.5 for the bag though)
• I can’t seem to find interior shots for any smooth leather black Arcos online but I noticed for the Black Arco with the weaving design (I am sure there is a word for this, feel free to correct me so I can update this term), the interior is a warm brown colour. My bag has a cool grey tone which doesn’t bother me, and I am not sure if it's still an inaccuracy or not. If anyone can let me know, please do!
• Handles were a bit misshapen but let's be real, this thing is coming halfway across the world and there was no way the post system was not going to beat the box a bit. I read yoofka’s review and had my bag hang out on my clothing rack/coat hanger area (that area where clothes chill when you’ve worn it once, but you can wear it again yet you don’t want that stuff touching your laundered clothes in your closet so it has its separate section...saving the environment and my clothes by not washing it too frequently if it doesn’t stink ok)

​
Satisfaction - 10/10
Of all the bags I recently ordered, I had the least expectations for this bag. I couldn’t find a lot of online Youtube reviews for this size, it wasn’t super popular here on RL, and quite honestly I was just impressed with BV’s subtle style and wanted a bag I could take for the days I want to be low-key. Surprisingly this bag has surpassed my expectations! It still has a bit of a slouch but it’s got some structure (not as slouchy as my BV pouch from OF factory).
It has a bit of heft to it, even when empty. Reading yoofka’s review after I bought the bag (yes, I researched more after I paid for my bag...smh), I was concerned for the weight but honestly it’s not that bad. Especially as someone who carries fewer things usually. If you are the type of person to carry everything but the kitchen sink, maybe see if you can check out the bag in-person to double-check that the weight doesn’t bother you or if you are sensitive to bag weight.
I like the long thin straps which lets me comfortably have it over my shoulder but not feel cumbersome. If you carry a lot of things, you might feel like you need a thicker strap but no complaints on my end. I like the slouch, which makes it super easy to have my arms rest naturally against my body versus a boxiestudier tote. However, if you fill the bag with a lot of things your arm ends up extending out awkwardly.
The bag strap drop is a bit long so it might feel weird carrying this in your hands (the bag will be a lot lower if that makes sense?) but I will also chalk that up to me not owning totes and so my perception is skewed to small top-handle bags.
The outer flap closure thing a.k.a. the leather mouth: this is placed over the handle to ensure the bag isn’t in an open tote position and it does help. I am just super lazy putting the flap over and taking it off to get things so you can still carry this tote with that flap inside the bag and as an open tote if you get lazy. I do like it as an alternative to a metal snap or to not having any closure (for people who want some security in their life).
​
Seller Communication and Service - 9.5/10
I like TS Alisa. She gets stuff done. My only minor concern was that I had also messaged her initially if she was able to get a Picotin and she answered yes, but it turned out 1.5 months later that the factory wasn’t able to get it. As a result, the Arco bag (and a different bag) was mailed out in June. I started to bug her in late May (because COVID and I could only imagine the number of texts she had to deal with in April from other users) to just confirm if she was still waiting on the bag and only then did she let me know that the factory said it was out of stock and they didn’t know when it would be back. The bright side is because I waited so long to ship this bag out it came super quick, versus it being stuck in limbo had it been shipped out in April. So I take it all as a win :D!

Some of what I know, There is a lot of ways to earn money online, I advise you to look through Reddit ( Not just this sub ) I hope some help you out, How much money you will make depends on how much time you put in and of course which country you are based in
There is selling on Amazon and eBay also but this isn't an easy way to make money, Don't listen to anyone trying to sell you a course or tell you can make millions by importing from China it's not easy like they make it out to be and you need a lot of money, Same with dropshipping, Most of these people don't show you the true cost of running a dropshipping store as you need to pay a lot of money out on ads
I listed a small amount of some of the stuff I know of, There is a lot more than this but this is a good way to start earning some money online.
Work From Home
Appen, Lionbridge, Teamwork is more like an actual Job because you are committing to work a certain amount of hours per week
Appen - Very good once you get work on it, I currently work a minimum of 20 hours per week, It did take me some time to get a place but just be patient and apply for everything you see
Lionbridge - This is the same as appen, You will be able to see what Jobs they offer and you can apply for them, I got offered work on here within 2 weeks of signing up but appen offered me more money for the same thing
TeamWork - Click the link and select your country to see what work they have for you, I have done some work for them before, They paid on time and everything was fine.
ClickWorker - Very good site never had a problem being paid, You can do the surveys etc they offer when you sign up but you want to get into UHRS, Click on Assessments and take the UHRS Test this is where you can make some good money.
Neevo - Make sure you fill out your profile in full and take any test they send you, Make sure their emails are not going in your spam folder, I wasn't getting anything from them and checked my spam and they were in there, I have been getting a good amount of task recently paying $0.07-$1 per task
vipkid- Teach English to kids online, If you want to find more I would advise you to look through Reddit as a lot of users on here use this for work, There are more sites than just this that you can work for, I think they pay from $15-$25 per hour.
QKid- Same as vipkid teaching English online- I think this pays up to $20 per hour
gogokid- Teach English Online $14-25 per hour
Prolific.co - This is a must for anyone, Make sure you fill out your profile in full... You need to be at the computer when Surveys become available as they will be snapped up fast but in my opinion, I would personally say this is my best survey site
Mturk - Microtask website that Amazon Own, Pay depends on the time you put in, etc Worth a try. Best if you are based in the US but works worldwide
Rev - Transcription work
TranscribeME - Transcription work
GoTranscript- Transcription work
Survey/GPT
Qmee- Can cashout anytime for any amount ( You will get 0.50 when you complete a survey as a bonus through that link ) You always get a 10% bonus on surveys if you hit the 5-day streak,
Swagbucks- I personally only do surveys or give them a try if they are over 100SB, Through the link, you will get an extra 300SB if you earn 300SB in your first month - The best way to make some fast money is to go into the "Discover " page and see what offers they have, Offers from Swagbucks will take 30 Days to pay but offers from the Offerwalls most credit instantly... Make sure you read the T&CS of any offers you take and if they are free trials make sure you cancel before you are charged, Some of the game offers its best if you pay some money to rank up rather than using more time, The final fantasy power offer, If you buy the £1 hero XP pack this should complete this offer right away
Timebucks - I would recommend doing the RevenueWall, Your survey, Flapbucks, and Yuno surveys. Sometimes there offer wall will pay more on some stuff that other sites, I personally make sure I do 10 quick tasks for a roll at the dice, This site is worldwide and I think you get $1 for signing up
GG2U- I think this is the highest paying in terms of % they pay out, On offerwalls and surveys. Great site I do the $1.25 surveys on there
Serpclix - Highly recommend this, It used Edge or Firefox and it will pop up and let you know when there is stuff to do, You need to find the webpage and click on it, its pretty simple. Some people have been making $20-$60 per month
BrandedSurvey- Min payout is 10, Had a few payouts from them
20Cogs - You need to do 20 Cogs to get paid ( 20 Offers ) If you have never done any offers before you could reach that in one night depending on the offers they have, They say the average payout is £200, So you will be in good profit doing this ( UK Only I think )
Panelbase.net - Surveys stay pending for 2 weeks, Mostly they pay £1-£4, Cashout is £10
YouGov - Reliable site, One of the most well-known sites, They run a lot of surveys and their surveys are quoted on websites/TV
populuslive.com - This pays pretty well £1-£5 per survey, You can only cash out once you reach £50, Payments are sent monthly by check, Normally get 1/2 surveys per day
​
SliceThePie- Listen to Music and Give feedback, The pay on this is pretty bad, You can earn up to $0.015 per review and they do pay.
​
Lifepoints - Can get paid via Paypal, Minimum is £5
Pinecone Research - I don't have a link for this its one of the harder survey sites to get into as you need to sign up through a banner, I think i found mine on Mumsnet if I remember correctly
Microworkers - I personally only do the Search jobs on here, Some jobs are a bit on the dodgy side, I have never had a problem doing these, I requested money to be paid to my Paypal then I contacted them on support and they waived the PIN you need to withdraw, Most people have problems withdraw from here but if you take it to Paypal and contact them it will be fine ( This site works worldwide )
HideOutTV- Watch videos and get paid , I personally cash out to GG2U as they offer the highest amount of points
HoneyGain- This uses your internet, You can make up to $300 a month using this but more than likely going to make $10/$20 a month depending on how many devices you use and your internet. I do recommend using this tho
------------------------------
Cleo- This is a Facebook saving app, It's through Facebook and you need to link your bank account - Once you have signed up and linked your account, You need to type " Create Wallet " They will walk you through it and once you do this you will have the free £5/$5 in your account which you can just withdraw
Xendpay - If you make a transfer of 100, You will get a 10 bonus in whatever currency you send ( Please read there T&CS As not every country will get the bonus, I think its UK, US, EU, and Canada ) If they ask for a fee you click into the box and put in 0 so there is no transaction fee, I did Pounds to Euro and sent the money to my Starling account as that has an IBAN, You could use revolut or if you don't have any of these you can use Transferwise to get an Account Number or IBAN
Trading212- Sign up and verify your account and Deposit £1, You will get a free share worth between £3-£100, You can sell it 24 hours after you get it and withdraw the money 30 days after you were given the share, My last one was £75 ( UK ONLY )
If you are from the US there is, WeBull, RobinHood and MooMoo ( I could have got that last one wrong ) they offer the same as trading212 but works in the US
Coinbase - Pretty sure this is the biggest Online Crypto trading site, If you sign up, Verify your account in full, Go to the home page and look for the section that says "Earn " Click into this and apply for all the Task they have, They will either allow you right away or put you on the waiting list, Recently they have been adding people to the waiting list but this will get you around $50 for free, You can find the answers to the videos on Reddit by searching " Coinbase Earn Answers " I have done this for a lot of friends and family and never had a problem, Once you sell the crypto just withdraw to your PayPal
If you are from the US there is, WeBull, RobinHood and MooMoo ( I could have got that last one wrong ) they offer the same as trading212 but works in the US
If you are from the US, I would say check out signupsforpay to see what offers there is you can do, I have done offers from here without asking for payment as this is the internet and some people won't stick to there word and pay but its a great way to find out offers you can do
--------------------
Cashback Sites
JoinHoney - Saves you money by searching for coupon codes, I place a monthly order on a website and it saves me between 20-30 each time, Well worth installing when you shop online
TopCashBack - Is a Cashback website, They also offer the £15 cashback on just eat
Quidco- You will get a £10 bonus when you reach £5 cashback through this link, This is a cashback site they offer some good offers on here so if you are looking to save when just normal shopping, They also offer an offer where you can get a free just eat order ( £15 ) They don't run it all the time
Some of the good cashback deals are also on the gambling offers, They may offer you £30/£40 for depositing at a casino So regardless if you lose the £10 you will be £30 in profit from the offer
20Cogs - You need to do 20 Cogs to get paid ( 20 Offers ) If you have never done any offers before you could reach that in one night depending on the offers they have, They say the average payout is £200, So you will be in good profit doing this (the UK Only I think )
Matched Gambling
As far as I'm aware this only works in the UK, I highly advise anyone who has extra money to do this, Read up on this using the site below, Its free to use unlike others who charge you a monthly fee
This is not "Gambling" You will always profit and they explain everything to you, You can make hundreds if not thousands depending on time and how much money you have in the first month
TeamProfit - They will guide you through everything, it is pretty easy once you get the hang of it and a great way to make extra money every month.
A good way to profit even more is, let's say TeamProfit Say sign up to Ladbrokes and this is how you take advantage of the sign-up offer, You could search Quidco or TopCashBack for the site they are telling you and see if they offer cashback on it, So not only will you profit from the sign-up offer, You will also profit from the Cashback also
Before you start working on a site or anywhere, Please look the site up if it sounds too good to be true and there is 0 feedback from reputable source then its a scam

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101. Laboratory Manual for Introductory Geology, 4th Edition: Allan Ludman & Stephen Marshak
102. Cognition, 6th Edition: Scott Sinnett & Daniel Smilek & Alan Kingstone
103. Mathematical Statistics with Applications, 7th Edition: Dennis Wackerly & William Mendenhall & Richard L. Scheaffer
104. We the People, Core 12th Edition: Benjamin Ginsberg & Theodore J. Lowi & Margaret Weir & Caroline J. Tolbert & Andrea L. Campbell
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Hey there,
I am new to betting in boxing, and I was wondering if it'd be possible to make bets on boxing online via Paypal and getting paid back on Paypal. Does anyone have any experience on this? And if so, where did you go for it?

When you press play button on 1£ steak you win 40p and lose 60p, and you got some dopamine boost in your brain together with nice music and beautiful graphics and you got some pleasure which is fake and everything is illusion, they want you to feel like a winner and want you to feel very comfortable, one game can have up to 400 melodies to make you excited, probably you got it, they want you to become addicted, recently you saw a lot of ads online and tv and you are wondering why? First of all it’s money business and everyone takes their share, game provides, casinos and the government, at the moment they said that problem gamblers make around 15-20% of the income in the industry, so does it needs to reach 50% to do something about it? Or not? When it’s proven that gambling is highly addictive many times and makes a lot of harm people losing everything, their partners, money, friends and relationships their homes even lives they still support this harmful activity and pretending like they doing something to stop vulnerable players. You are still wondering why? The player can use self exclusion but still can open new account with another casino, when you try blocking software there is always a way to disable it, recently almost all banks introduced block to gambling transactions but guess what you still can unblock that option few hours later and play, also you can use paypal even if your bank account is empty or blocked for gambling transactions that's how people get drowned into big debts up to 150000£ in a single day. That’s because there is another team member who wants your money yes you’re right the bank. When you lose everything you will borrow money from the bank and then you pay interest, so very nice circle( the government and the bank don’t care which casino you’re playing with as long as you play) but it can be even worse there are so many illegal casinos hiding under gambling commission license for example Betfair this is multi country company but as you can see they are not allowed to operate in France,Germany, Belgium, Canada, Portugal, Turkey, Japan, China and many more, but they do in UK and if you do a little research you can see how many people got scammed by this company, one report says: Online casinos, often take advantage of the lack of supervision and inspection from law and gambling authorities and take the money of their customers with unfair games. Very recently it was reported that in RNG roulette at Betfair online casino, number 18 appeared 11 consecutive times! The actual probability of this happening is one of trillion of spins! Yet the casinos can claim that “every 11 spin sequence is equally probable with any other” so nothing wrong with hitting 11 times back to back. Another player got football bet and while his team was winning at 80 min of the game he wanted to cash out, but the option was greyed out, and 89 min the match was draw and he lost 800£. And not just this Casino but many more around the word playing with RTP (Return to Player) so they can increase their share and even can go as low a 0% RTP yes probably you don’t believe me but this is the reality. Another player reported: “I just span approx 2500 spins on the Bonanza slot on various stakes from 2-20£ spending over 5000£… In all these spins I did not get ANY bonuses at all. I played at I believe a well known casino but think there is a glitch/error with the slot so the bonus can’t land. So do you believe that actually there is a problem with the slot or something else? Probably you can guess low or non existent RTP, and you still believe that you can get some nice and real win? Another player reported at askgamblers that when she was playing her favourite slot she hit the bonus round and won 5k from free spins but suddenly as soon as she go the the home page there was nothing no wins at all, then she contacted the support and they said there nothing on their side cant see that she actually won, so do you think that there was a glitch with the slot? Also another player reported that after winning around 7k and request the money his account was blocked even he was fully verified, then the casino said that their technical team discovered that there was problem with his account on multiple locations IP address, but the player said that this was not the case that he is the only one using the account from his mobile device and nobody else, case closed in favour of the casino and he lost 7k. Nothing in this life is perfect and do not believe anything you can see or hear, there is much more behind that you as a player can’t see, another player said trough the years(5 years) I spent nearly 30k and never won more then 500£ for few times. The biggest problem is money chasing even if you say you’re not chasing actually you do that’s why you always coming back, just remember the money you lost will never come back with gambling the only way is to work hard, and avoid everything about gambling, this is the biggest evil in the world, even on basic games you play on your phone a lot of times you can see similar things how the game is asking you to pick from the 3 boxes and you always got the lowest, no matter which box you choose. Stay positive about life and enjoy being with your loved ones, spend your time and money on things that make you happy, you don’t have to struggle and stress and live on the edge because everything is in you mind.

I play an online RPG and have some in game currency and items, that I would like to exchange for real money. Real world trading is against the games ToS, headquarters of which are based outside of Canada. There are online services that will buy your in-game gold in exchange for $ to your PayPal account/BTC wallet.
I can probably make and sell $1000 worth of in game currency a month. How is this income classified/declared in Canada, can I get in trouble with CRA for earnings based on breaking ToS of an online game based in another country?
Additionally, there is a gambling system within the game where players play against each other for in-game money. Does it change anything if I use that to make the gold to sell, since gambling winnings are exempt from tax in Canada? Does it matter if it's a systematic process?
Thank you in advance

Throwaway for obvious reasons. Two days ago I won $22,560 playing poker in a tournament while in Las Vegas. I have not yet gone to collect my winnings because I'm not sure what I should do yet. I've won smaller sums of money here before (~ 5k) and I remember being given an option on how to collect the money (bank wire, cash, paypal).
My question is, how should I get this money back into my RBC bank account? To complicate things I have a US Social Security Number from when I worked on a TN Visa, but my status is no longer valid as I am back living in Canada. I do have an RBC US bank account, it is online only though.
Not sure if I should:

• Take the cash back with me to Canada and just declare it, then deposit it into RBC
• Deposit the money into my RBC US bank account and then either keep it there or transfer it back to my RBC Canada account
• Get the casino to wire the money directly to my RBC Canada account, or my RBC US account

Edit
Thank you to everyone for the replies. Based on the replies, I've decided to stay in Vegas and continue to gamble and maybe check out a few Knights games. If I have any left over the best thing to do seems to be just wire it to my RBC US bank account, or take the cash with me to the border and declare it.

US MARKET WRAP

SNAP-SHOT: Equities mixed, Treasuries down, crude up, dollar down. Italy may cut deficit target to 2.1% & EU not to interfere with its policy, EU Barnier warns Ireland border could cause failure in Brexit talks, Canadian CPI & Retail Sales weak, US Home Sales miss.

• NEXT WEEK: Fed Discount Rate Minutes, ECB, Riksbank, BoC Turkish Central Bank, Russian Central Bank, Norges Bank Interest Rate Decisions, Italy to respond to EU on budget & S&P rating on Italy, US Richmond Fed Index, US Durable Goods, US Core PCE, Canada Average Weekly Earnings, Earnings from AMZN, GOOGL, INTC, MRK, MCD, CAT, 3M.
  
  • ITALY: Il Foglio reported Italy's government may cut 2019 deficit target to 2.1% from 2.4% despite PM Conte earlier reported to see no reason to change the budget plan. Italy was reportedly said to provide a response to the EU letter on Monday as the EU has requested; on the matter Commissioner Moscovici stressed it will be important how Italy responds; he is willing to reduce tensions with the country and maintain a constructive dialog despite disagreements and reassured that it was clear from everyone he spoke to during the Italy visit that Italy wants to remain within the heart of Europe. He also clarified the EU will not interfere with the economic policies and reported no decision has been made on Italy's budget. Moreover a dispute within the coalition government is adding pressure on the country political situation in the country after the budget plan was highly criticised by the EU Commission. On Thursday Deputy PM Di-Maio urged a solution with the League on a tax amnesty, a common policy in Italy where parties can avoid taxes by paying a fee favoured by the League. Italy's Deputy PM Salvini said he will return to Rome on Saturday to solve the dispute, adding that coalition tensions must stop. Also, in a live Facebook video, he announced to be ready to remove the parts of the tax plan that the Five-Star objects; he reiterated he is willing to govern with the party for a full five-year term and noted that the EU warning letter shows that Italy is in the right.
  • BREXIT: UK is said to drop Brexit demand on a time-limited backstop to try and reach a Brexit deal, sources reported; a move which could leave the UK in the EU customs regime indefinitely, it is being seen as a potential gamble to move Brexit talks along, though will infuriate Brexiteers. EU Chief Negotiator Barnier said the Brexit accord is possible but difficult and warned that problems regarding Ireland could result in a failure of Brexit talks; he reiterated that they are 90% there in reaching an agreement with UK and added that he is still not certain a deal will be reached. UK PM May spokeswoman noted we shouldn't get ahead of ourselves on the idea of extending the transition period adding that PM May will brief around 120 business leaders on the latest developments in Brexit later today. In later news flow, sources reported that UK PM May told business leaders that EU leaders are committed to a Brexit deal this autumn.
  • TRADE: The US requested the WTO adjudication in disputes regarding China's IP policies as well as against Canada, China, EU and Mexico over retaliatory tariffs. Additionally, China Vice Premier Liu He said China and the US are "in touch". Note, Chinese President Xi and US President Trump have tentatively agreed to talks at the G20 Summit on November 29th. Alongside this, US exporters have cancelled the sale of 180K tons of soybeans to China.
  • GEOPOLITCS: The Washington Post US Treasury Secretary Mnuchin still plans to attend Saudi anti-terror financing meeting in wake of journalist Khashoggi’s disappearance. Note however that this is a separate summit from the financial summit Mnuchin said he would not attend earlier in the week.
  • FED: Fed's Bostic (Voter, Dovish) said there is no sign of dark clouds on the horizon that could trip an economy is 'chugging along'; he reiterated trade policy remains a risk to outlook. Fed’s Kaplan (non-voter) sees neutral at between 3.00-3.50%, and said two or three more rate hikes would take the Fed to neutral; says he is not committed on the need to raise above neutral levels, it will depend on productivity. Elsewhere, Kaplan said current market gyrations are not a concerns, says corrections can be 'healthy' in addressing imbalances.
  • BOE: BoE's Carney said the BoE is focusing on the possible consequences of a cliff-edge Brexit, and ahead of a Brexit outcome, the Central Bank is preparing for the worst case scenarios rather than hoping for the best.
  • EXISTING HOME SALES fell by 3.4%, more than the expected 0.7% posting at 5.15mln (Exp. 5.3mln), the lowest level since November 2015 and marking the 6th consecutive monthly drop. Analysts at Pantheon point out ‘higher mortgage rates, slightly tighter lending standards and the limiting of state/local tax deductions’, included in December’s tax reforms, are hurting the headline; they believe October’s reading will not be any better. They however do not see a sustained decline in sales and expect a temporary rebound will occur by the end of the year.
  • CANADIAN CPI & RETAIL SALES: CPI softened in September posting at -0.4% below the previous -0.1% sending the yy headline lower to 2.2% from 2.8%, significantly below the 2.7% consensus. The Core measure also weakened falling to 1.5% from 1.7%. Retail sales (August) also missed expectations and were down 0.4% expectations were for a 0.2% increase. Scotiabank argues that although growth edged a little higher, data ‘continues to reverse the Canadian out-performance seen in the summer’ noting that these are not the sort of prints that would push the BoC away from gradual policy. Analysts at the bank further note that although a 25bps hike at the meeting next week is almost certain, this reduces the likelihood of a ‘hawkish hike’.
  • SPX -0.04% at 2768, NDX -0.12% at 7107, DJI +0.25% at 25442. SECTORS: Energy -0.8%, Materials -0.7%, Industrials -0.4%, Cons Discretionary -0.9%, Cons Staples +2.3%, Healthcare -0.95%, Financials +0.3%, Tech +0.01%, Telecoms +0.17%, Utilities +1.6%.
  • STOCKS SPECIFICS: PayPal (PYPL), American Express (AXP) and Procter & Gamble (PG) gained following earnings reports, where they all beat on EPS estimates. Apple (AAPL) also a top mover following a reiteration at Wedbush, while Disney (DIS) traded higher after an upgrade at Barclays. Disappointments in earnings included VF Corp (VFC), after missing its EPS estimates, and State Street (STT) which reported less than expected Q3 revenue. Broker moves caused eBay (EBAY) and Valero (VLO) to nosedive on the day following downgrades at Stifel and Goldman respectively. DowDuPont (DWDP) was also a bottom mover on the back of it announcing a USD 4.6bln goodwill impairment charge.
  • WTI (X8) SETTLES USD 0.47 HIGHER AT USD 69.12/BBL; BRENT (Z8) SETTLES USD 0.49 HIGHER AT USD 79.79/BBL. Oil ends Friday higher on the day, but posts the second consecutive red week, with inventory builds and trade tensions being used to explain the losses. On Friday, data showed oil drillers adding rigs for the second week, taking the oil rig count to the highest since March 2015, Baker Hughes said. Elsewhere, Chinese refinery throughput hit a record high in September, with analysts suggesting that higher China demand is providing another supporting factor to crude markets. On the OPEC+ front, data on Friday showed compliance with the supply-cut deal is running at a 111% clip in September, falling form 129% in August. Equity price strength also provided bullish support on Friday. Some desks are focussing on the front-month contango in WTI, with the widening gap being attributed to anticipation of further inventory builds at Cushing as new pipelines come online.
  • US T-NOTE FUTURES (Z8) SETTLE 6 TICKS LOWER AT 117-30+. Yields were higher by 2-4bps across the curve by settlement, with the Treasury complex taking cues from the situation in Italy, which injected choppy trade into Bunds and BTPs. However, as EU Commissioner Moscovici struck a positive, constructive tone, flows moved back into risk, allowing the T-Note to move lower and settle into a range. Despite the higher yields, major curve spreads flattened by 0.5-1.5bps

WEEKLY FX WRAP

DXY: The broad Dollar and index look set to end the week near best levels, and supported by a combination of elevated US Treasury yields in wake of upbeat hawkish FOMC minutes, ongoing US-global trade issues and diplomatic sanctions and relative weakness in counterpart currencies for similar reasons plus more specific factors. The DXY is keeping tabs on 96.000 within 96.098-94.789 trading parameters and a starting price of 95.349.

• NZD, AUD: The Kiwi is soaring into the weekend and just hit fresh wtd peaks vs its US and Aud peers just above 0.6600 and close to 1.0800 respectively. However, the Nzd’s ascent from earlier lows circa 0.6500, or a little under, and 1.0950, is largely indirect rather than due to independent NZ positive impulses/factors as hedging ahead of Sydney’s by-election prompted sharp cross-winds and risk-related positioning.
  
• EUGBP: Both ending Friday’s EU session on the rebound, as the single currency benefits from the general Greenback retracement and a recovery in overall risk sentiment partly on seemingly less EU angst over Italy’s budget, although the official response is due next Monday when Rome has been asked (requested) to reply to a letter detailing reservations about the 2019 fiscal plan in particular. EuUsd also derived a degree of technical support and recovery momentum amidst buying interest ahead of a key Fib, but failed to reach 1.3 bn option expiries at the 1.1500 strike by a whisker and remains well off the highs around 1.1620. A similar story for the Pound although UK data also impacted as benign CPI and a hefty retail sales miss overshadowed better than expected average earnings. However, Brexit grabbed the bulk of the headlines yet again after weekend talks ahead of this week’s EU summit broke down on the Irish border and customs union issues that remain unresolved, with talks turning towards a transition extension and PM looking increasingly isolated/under threat. Nevertheless, Cable escaped further losses from 1.3235 at one stage through 1.3000, albeit only just as EU’s Barnier allayed some fears that the bloc are set on imposing hard withdrawal terms.
  
• CAD: The Loonie tracked volatility in oil prices to an extent within a 1.2910-1.3120 range before hitting multi-week lows vs its US counterpart and clearing supposedly decent bids at 1.3100 on the back of significantly weaker than forecast Canadian data in the shape of CPI and retail sales. However, expectations are still sky-high for a 25 bp BoC hike next week given other more upbeat macro indicators and a major uncertainty removed (though not all by any means) following the USMCA deal in principle to replace NAFTA.
  
• JPY: A net loser vs the Usd, like the CHF, but more strictly along risk-off/on lines, as Usd/Jpy only just pulled up short of a key tech resistance point around 112.75 vs 111.61 at the other extreme and also close to a chart support and not far from the middle of that band at the beginning of the week. Aside from an unwind of safe-haven premium/demand, the Jpy was undermined by sub-consensus Japanese data (trade, and exports especially, plus inflation) and dovish commentary from BoJ Governor Kuroda.
  
• SEK, NOK: In stark contrast, hawkish Riksbank and Norges Bank policy vibes continued to propel the Scandi crowns, with technical momentum also building in the Eur crosses sub-10.3000 and below 9.4500, ahead of next week’s meetings that are not seen coming with any actual key rate moves, but underlining tightening guidance
  

Hi /Entrepreneur, this is Pat from Starter Story, excited to share this new interview with Jeff from Beardo.
TLDR:

• Came up with the idea while skiing with friends.
• He started with little to no product or business experience.
• The product went somewhat viral - he sold all 1,000 units within 25 days of launch.
• Has since launched hundreds of unique products.

Here's the interview - hope you enjoy:

Hello! Who are you and what are you working on?

Hi, my name is Jeff Phillips and I am the inventor of the Beardo beard hat. We started out with one product which is our patented hat with a detachable beard (the Beardo), but have since launched hundreds of unique products and have even moved into branded promotional products.
Beardo really started out as a bit of a gamble and we never really took it that seriously. I knew the Beard hat was fun and functional and that I really liked it, but my friends weren’t so convinced that others would feel the same and actually purchase it.
I really just trusted my gut and went for it. I am glad I did because within the first 25 days of launch we had sold out of our entire years stock of 1,000 units, and pulled in over $40,000.
What our product looks like

What's your backstory and how did you come up with the idea?

I suppose I get my creativity from my Dad and Grandpa. They both were always looking for ways to improve things and generally just liked working with their hands. I’ll never forget the day my dad designed a ‘can crusher’ so that our recycling didn’t take up so much space. He never wanted to put it to market or anything like that, but just wanted it for himself. When he saw that someone had released one a few months later and was probably making millions on it, he was pretty annoyed!
Like Dad and Grandpa, I am constantly thinking of crazy inventions and edits around the house to make life simpler. It’s not something I can turn off, so I started writing my ideas down in a journal. I guess it was just a matter of time until one of us went into mass production with a crazy invention!
The Beardo came about organically and out of sheer necessity.
At the end of 2006, I was snowboarding in Whistler, and it was an absolute chiller of a day. We had made our way to the top of a run called ‘7th heaven’ and I was certain that the wind was going to be the end of me.
I had this old brown knit scarf in my bag and had tied it around my face to stay warm. About halfway down we stopped on the side for a bit of break and instead of taking off the scarf, I just spread a hole in the knit and popped my water bottle through to take a drink… one of our group cracked up laughing because it looked like a real beard!
I got back to where we were staying, cut the scarf up to refine the beard a bit and the first Beardo beard was born! I used it a few more times until I got some better prototypes knit, and the true form took shape into the World’s only hat with a foldaway, detachable and adjustable beard! I did keep the original though and I have been meaning to get it framed to hang on my wall!

Describe the process of designing, prototyping, and manufacturing the product.

Though I didn’t have any design experience, I had run a few small businesses before and knew a little about graphic design as well. I also had a couple degrees (B.A and a film and TV diploma) that gave me a lot of great experience and the know-how to do things myself. All of these experiences really came in handy while designing the beard hat because it helped limit the startup budget.
When this really started to take off, I was living in a friends garage to save a bit of money. We had no internet and things were pretty tight. Getting Beardo off the ground with trademarks, patents, and web design was costly, so again I did a lot of it myself and leaned on friends for help when needed.
I remember that I used to drive around the suburbs with my laptop open trying to find a wireless internet signal that was unlocked! Most of the designing, patents, and trademarks were created in my wagon. I remember one house must have picked up on what I was doing because I had been in front of their place for a week when they started to peer out the window and the next time I went back the free wifi was no more.
The design process was pretty straightforward though, it was easy enough to get an actual knit prototype made and from there I went off looking on Google for manufacturers. My early focus was to stay in Canada, but after seeing the quality issues with the first round of samples and a price tag of more than I could sell them for, I had to look elsewhere. I ended up finding some great companies in asia who specialize in knitwear and went back and forth for a while before deciding that they were a great company to work with.
After getting the patents, trademarks, website design and the first batch of beard hats, I had spent about $8,000 and was ready to launch. I still wasn’t sure what would happen, but I figured that at worst case, I could take the beard out of these really nice knit hats and sell them to a store for cost. That was my backdoor if the whole thing crashed and burned.

Describe the process of launching the online store/business.

I’ve seen a lot of changes since I started Beardo and there are definitely a lot more people launching sites and small brands. I think it’s great and it makes things that much easier to get going, but it also means you have a lot of competition and you need a point of difference. Luckily for me, I had created a unique product so I didn’t have to contend with any similar businesses.
The best advice I can give is that before launching you need to have a rollout plan in place. A lot of people think that getting the site and product made is the hard part and that all you have to do is wait for orders to roll in. In reality, the launch and promotion are the hard parts. Before going live, you should be ready to contact media (local and otherwise), start advertisements, run promotions, send out free samples to bloggers and influencers and keep pushing and expanding your reach every day.
For example, one major undertaking was to search for direct email contacts for all the magazine, Newspaper, TV, and University newspaper editors that I could find. Then one by one, I hit them up and try to get a story, collaboration or even a paid ad.
Below is a short list of some of the neverending projects I would also work on in those early days:

• Facebook Pages: Write on walls/hockey teams, fan clubs, and ski pages.
• Bloggers: Find some and pitch them an angle (ie. winter is coming), free gear or reviews.
• Free magazines to be included in (movie theatre mags etc)
• Paid Magazine editors (UK, USA, CAN)
• University/college paper editors - Stories or collaboration/contests.
• Newspaper editors - Angle: "Lead into winter".
• Playoff Beard Promos: Hit up hockey teams, shops, etc.
• Ski Season Promos: Hit up slopes, shops, events, etc.
• Look for and contact retailers for wholesale accounts.
• Look into potential of running market stalls and mall kiosks.
• Daily deal sites: Reach out to them.
• Tradeshows: Organize and set some up.
• Google ads
• Facebook ads

Now I am not saying that you need to have everything ready to go before you launch, but you need a rough plan. Truth is you’ll never launch if you try to get everything all lined up. it’s going to be messy and constant and that’s ok. Just roll with it and keep planning and pushing.
I had a pretty good plan in place but was really surprised when the first order came in - it was from South Korea! It seems my planning had worked and Beard hats were quickly picked up by global bloggers and the media, which was unreal! The best part was, after only one live-to-air interview on the Canadian news, it quickly went viral and more and more bloggers and ‘cool product’ sites started listing the Beardo.

What has worked to attract new customers?

Without a huge media boost, it can be tough to get new customers. I would always keep a list of ideas I had, or things I saw that other brands were doing that seemed to work. That pretty much became my neverending to-do list.
The MOST exposure and returns we have seen were directly resulting from being featured by the big fish like ‘Good Morning America’, our Kickstarter, or our appearance on ‘Dragons Den’ and also having exposure from celebrities.
A company called FAB (daily design deals) liked our product so much that they used it in their online campaign in 2011/12 which resulted in HUGE social media growth and a lot of sales. One thing leads to another though, so the more exposure you can get will almost certainly lead to more and more. It’s kind of a snowball effect, and that’s what you want.
Out of everything we do, social media and SEO are consistently the best returns for us.
When you set up your website, the first thing you should think about is SEO, and making a list of all your top keywords is just a small part of that. There are some really great google SEO guides out there and I recommend that anyone starting out should take night classes or online course for the basics, like: SEO. blogging for business, HTML, photoshop, photography.
A good place to start for SEO are on the guides that Google provides.
SEO is constant and you need to keep on top of it. Not only in terms of your site changes, but also google is constantly changing their own algorithms and with that, suggestions to improve your strategy. One thing I would recommend everyone do is to start following @SEOMOZ and even signing up for a trial. You’ll learn alot about SEO really quickly and it’s a great way to look into what your competitors are doing too.

How is everything going nowadays, and what are your plans for the future?

I joke with friends that I thought Beardo would be a short-lived business, and beard hats would be a fad that would be dead in 12 months. I don’t think anyone thought it would do so well, or be around so long. As long as I am still meeting people who have never seen it yet, there is always room to continue.
Today, Beardo has warehouses in 5 countries and has a range of over 140 fun and functional winter headwear products and we are always coming up with new ideas! We do have plans for new products, but they are top secret!

Through starting the business, have you learned anything particularly helpful or advantageous?

As I said earlier, I have seen a lot of changes in the e-commerce space and I think the number one regret I have is not blasting Facebook ads more.
When I first started advertising beard hats on facebook it was just to grow the fanbase as the objectives today simply didn’t exist. I started out with about $10-20 a day and at a cost of about $0.01- 0.02 per fan - it grew really fast!
Back then I thought $70-140 a week was quite a lot of money to spend on advertising, and kinda thought things would stay the same… I was dead wrong. Facebook changed their algorithm and cost per reach, which basically means to get that same fanbase growth you would have to spend thousands a day.
It’s also now nearly impossible to speak to your own fans through organic reach with your posts without paying, so that’s a big bummer. Back when we had 10k fans, we would get 500-1000 likes per post. Now we have 330k and are lucky if we get 10 likes. We should have been focused more on channeling our fans into email subscription as it allows for a direct method for contact.
I think there is no real model for success that covers all brands and products, you really never know what will work and what will fail and just because something works for one brand doesn’t mean it can be reproduced.
You should try everything and don’t be afraid of failure and definitely don’t get hung up on failure. Move forward and try your next idea. If you are out of ideas, Google, follow others or ask around. I think a major attribute of a successful entrepreneur is not just driven but creativity and the ability to think outside of the box, so trust your weird ideas.

What platform/tools do you use for your business?

We now use Shopify because it is nearly impossible to crash it! We have tried and have even had hundreds of thousands of concurrent visitors on the site with no issues. Not even a flicker.
One of my friends just had her bikini site crash last night because she wasn’t prepared for a big rush of visitors and it’s been down for nearly 15 hours now. Do yourself a favor and go with Shopify.
We also use the Product Upsell App through Shopify as well as discounts, reviews, and BitPay which allows people to pay using bitcoin and other cryptocurrencies. We also accept Paypal and Shopify payments too.

What have been the most influential books, podcasts, or other resources for your business?

I really liked the 4-Hour Workweek by Timothy Ferris. It’s a bit of fiction, but gets you thinking out of the box!
Besides that, I don’t really look for business motivation. I am more interested in design inspiration, so I just look at lots of strange art, and try to travel as much as possible to open my mind to new ideas.

Advice for other entrepreneurs who want to get started or are just starting out?

If you are looking to start out online, you should remember that simple is better. When designing your website try to make it as streamlined as possible. That goes for product design, packaging and ads as well! Simple is better and trial and error is the key, so keep testing.
Some issues I see are things like spending too much money before you have even started. These days you can start with an idea and turn it into millions before you even have product!
Just look at Kickstarter.com. It’s a perfect place to launch and trial your product or idea to see if others are even interested. If it gets funded, perfect! If not, you hopefully haven’t spent too much and can move to the next idea. We did a kickstarter of our own in 2013 and it was the reason we were able to launch our line of ski masks!
You can also start out on the cheap by selling on a platform like Etsy and try to grow a fanbase and revenue that way before blowing your paycheque on a fancy website.
Things like patents and trademarks are important but easily done without spending tens of thousands on legal fees. Trademarks are especially easy, so before getting a lawyer, check it out yourself!
The most important thing is to trust your gut and go with it. There are lots of people out there with great ideas but who are too afraid to start.
Interview at https://www.starterstory.com/beardo-beard-hat