Coastal-city.com Review Is This Investment Game Worth Your Money

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Coastal-city.com Review: Is This Investment Game Worth Your Money?

yeah you will get your moneys worth out of it if you are into survival type games .

But Im looking at that game Farcry Primal coming out next week and thinking it might be pretty awesome especially since I prefer solo rather than griefing people in pvp .

As of right now, No this game is not worth the money. It’s hardly even worth it to play this game if it were free. It’s flawed at it’s core and and things like losing dinos that took you hours to tame due to bugs in the game, server diconnects, not at all optimised, 30 scond + lag spikes. This game is just not a very good game.

As of right now, No this game is not worth the money. It’s hardly even worth it to play this game if it were free. It’s flawed at it’s core and and things like losing dinos that took you hours to tame due to bugs in the game, server diconnects, not at all optimised, 30 scond + lag spikes. This game is just not a very good game.

That’s just because it’s in Alpha. wait for Beta or full release if you have problems with these things.

That’s just because it’s in Alpha. wait for Beta or full release if you have problems with these things.

Saying it’s in alpha is just an excuse. The guy asked if the game was worth the money and i said ” as of right now, No “. Judging by the reviews of this game the majority of people would seemingly agree with me.

Saying it’s in alpha is just an excuse. The guy asked if the game was worth the money and i said ” as of right now, No “. Judging by the reviews of this game the majority of people would seemingly agree with me.

As of right now, the game isn’t even a game. If you don’t get attached to anything, the games great! But if you treat it even like a semi-complete game, you wont like it.

As of right now, the game isn’t even a game. If you don’t get attached to anything, the games great! But if you treat it even like a semi-complete game, you wont like it.

From your own mouth ” But if you treat it even like a semi-complete game, you wont like it “. And i completely agree with that statment. Hence the reason why i said the game isn’t worth the money right now. Hell it might not ever be ” worth the money “.

Ok lets be honest here , these trolls are full of crap .

How much does it cost to go to movies ?
How much does it cost to go out to dinner?

I decided that if I can get 1 hour for every dollar I spend on a game then I got my moneys worth.

300 hours played so far therefore I should have paid $300 for this game . Well I paid $3000 for this game because I had to buy a new PC that could run it .

Definately not worth buying

Ok lets be honest here , these trolls are full of crap .

How much does it cost to go to movies ?
How much does it cost to go out to dinner?

I decided that if I can get 1 hour for every dollar I spend on a game then I got my moneys worth.

300 hours played so far therefore I should have paid $300 for this game . Well I paid $3000 for this game because I had to buy a new PC that could run it .

Definately not worth buying

Ok lets be honest here , these trolls are full of crap .

How much does it cost to go to movies ?
How much does it cost to go out to dinner?

I decided that if I can get 1 hour for every dollar I spend on a game then I got my moneys worth.

300 hours played so far therefore I should have paid $300 for this game . Well I paid $3000 for this game because I had to buy a new PC that could run it .

Definately not worth buying

Going out to the movies is entertaing.
Going out to dinner is entertaining.
Is sitting around from 1 – 10 hours pumping narcotics into a passed out dino entertaining ?

You can justify your purchas all you want. I can justify it by saying i spent 4X as much on a glass of wine earlier tonight than i did on this game but it still doesn’t change the fact that this game is riddled with bugs, has little to no innovation what so ever and is laggy as hell. And that’s not even scratching the surface of what’s really wrong with this game.

And just to add, 30 second lag spikes. That wasn’t even acceptable when AOL was cool and we had 56K dial up modems !

6 Easy Ways To Start Investing With Little Money

Modified date: March 24, 2020

I’m here to tell you: You don’t need to be the Wolf of Wall Street to start investing. It’s okay if you’re more of a mouse of Main Street. Even if you only have a few dollars to spare, your money will grow with compound interest.

The key to building wealth is developing good habits—like regularly putting money away every month. Swap out the barista-made cappuccinos for coffee at home and you could already be saving more than $50 a month.

Once you have a little money to play with, you can start to invest.

In 2020, you can get a date, a ride or a pizza with the swipe of a smartphone screen. Investing is no different. If you can automate your bills, why not your investments? It’s just as easy.

With a robo-advisor, you can make your money work while you play. And just like Halloween costumes, investing comes in many different forms. It shouldn’t be a scary word.

Whether it’s opening a savings account, investing in your retirement or the real estate market, investing for beginners is simpler and more straightforward than ever before.

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Soon you’ll see how addictive growing your money can be.

Here are six simple ways to get there:

Saving money and investing it are closely connected. In order to invest money, you first have to save some up. That will take a lot less time than you think, and you can do it in very small steps.

If you’ve never been a saver, you can start by putting away just $10 per week. That may not seem like a lot, but over the course of a year, it comes to over $500.

Try putting $10 into an envelope, shoebox, a small safe, or even that legendary bank of first resort, the cookie jar. Though this may sound silly, it’s often a necessary first step. Get yourself into the habit of living on a little bit less than you earn, and stash the savings away in a safe place.

Discover Bank currently offers a strong 1.50% APY on their online savings account. There is no minimum deposit required and no monthly maintenance fees (or other fees) associated with a Discover Bank online savings account so the yield is earned on all balances.

The brand also offers high-yield CD’s, checking and money market accounts so if you want to diversify your deposits portfolio a little bit, Discover Bank has a lot of what you need.

The electronic equivalent of the cookie jar is the online savings account; it’s separate from your checking account. The money can be withdrawn in two business days if you need it, but it’s not linked to your debit card. Then when the stash is large enough, you can take it out and move it into some actual investment vehicles.

Start with small amounts of money, and then increase as you get more comfortable with the process. It may be a matter of deciding not to go to McDonald’s or passing on the movies, and putting that money into the cookie jar instead.

Prefer that money to be invested right away? Consider an online discount broker like You Invest by J.P. Morgan. You Invest offers fee free stock trades, fee free options trades and fee free ETF trades. Plus, they’re also offering up to a $625 cash bonus for new accounts.

You can link your Chase You Invest account to the variety of other Chase products (deposits, mortgages, credit cards etc.) so that all of your important financial accounts are in the same place.

2. Let a robo-advisor invest your money for you

Robo-advisors were created to make investing as simple and accessible as possible. No prior investment experience is required and set-up is easy. Let their automated intelligence track your investments in the background, and pay lower fees in the process.

Wealthfront

A robo-advisor that I highly recommend to first-time investors is Wealthfront. Their fees are reasonable at 0.25%, but the kicker is that you can get your first $5,000 managed free (specific to MU30 readers).

So if you’re looking to start investing with little money, Wealthfront could be the way to go. You will need $500 to get started though with Wealthfront so keep that in mind.

M1 Finance

If you don’t have that $500 starting balance, there are still great options for you in the Robo-advising space. M1 Finance charges no commissions or management fees, and their minimum starting balance is just $100.

You can choose from one of their pre-made diversified portfolios or customize your own by purchasing stocks and ETFs through their platform. The user interface is super easy to use.

Betterment

If you’re starting out with less than $100, you may want to consider Betterment, which has no minimum starting balance whatsoever. Like M1, it’s also great for beginners as it provides a super simple platform and a hassle-free approach to investing.

3. Make your first steps in real estate market

Real estate investing does not have to be for the very rich. There are many options for real estate crowdfunding and though this may seem like something you’d be nervous about looking into – it actually can be an intriguing investment.

With Fundrise’s really easy-to-use online platform, you simply need a starting minimum investment of $500. So if you’re an unaccredited investor, you can buy properties without paying those very large fees that end up being a deal-breaker if you want to start dabbling in real estate. By managing your own portfolio, the fees come to just 1% and Fundrise always offers a 90 days satisfaction guarantee.

4. Enroll in your employer’s retirement plan

If you’re on a tight budget, even the simple step of enrolling in your 401(k) or other employer retirement plan may seem beyond your reach. But there is a way that you can begin investing in an employer-sponsored retirement plan with amounts that are so small you won’t even notice them.

For example, plan to invest just 1 percent of your salary into the employer plan.

You probably won’t even miss a contribution that small, but what makes it even easier is that the tax deduction that you’ll get for doing so will make the contribution even smaller.

Once you commit to a 1 percent contribution, you can increase it gradually each year. For example, in year two, you can increase your contribution to 2 percent of your pay. In year three, you can increase your contribution to 3 percent of your pay, and so on.

If you time the increases with your annual pay raise, you’ll notice the increased contribution even less. So if you get a 2 percent increase in pay, it will effectively be splitting the increase between your retirement plan and your checking account. And if your employer provides a matching contribution, that will make the arrangement even better.

Blooom is a great tool for hands-off investment management of your 401(k). They’ll give you a free 401(k) analysis, telling you where and how they can optimize your investments. Check out our review of Blooom; if you decide to use their services, you’ll be charged a reasonable $10 per month.

And Blooom has got a special promotion right now: get $15 off your first year of Blooom with code BLMSMART

5. Put your money in low-initial-investment mutual funds

Mutual funds are investment securities that allow you to invest in a portfolio of stocks and bonds with a single transaction, making them perfect for new investors.

The trouble is many mutual fund companies require initial minimum investments of between $500 and $5,000. If you’re a first-time investor with little money to invest, those minimums can be out of reach. But some mutual fund companies will waive the account minimums if you agree to automatic monthly investments of between $50 and $100.

Automatic investing is a common feature with mutual fund and ETF IRA accounts. It’s less common with taxable accounts, though its always worth asking if it’s available. Mutual fund companies that have been known to do this include Dreyfus, Transamerica, and T. Rowe Price.

An automatic investing arrangement is particularly convenient if you can do it through payroll savings. You can typically set up an automatic deposit situation through your payroll, in much the same way that you do with an employer-sponsored retirement plan. Just ask your human resources department how to set it up.

6. Play it safe with Treasury securities

Not many small investors begin their investment journey with US Treasury securities, but you can. You’ll never get rich with these securities, but it is an excellent place to park your money—and earn some interest—until you are ready to go into higher risk/higher return investments.

Treasury securities, also known as savings bonds, are easy to buy through the US Treasury’s bond portal Treasury Direct. There you can buy fixed-income US government securities with maturities of anywhere from 30 days to 30 years in denominations as low as $100.

You can also use Treasury Direct to buy Treasury Inflation Protected Securities, or TIPS. These not only pay interest, but they also make periodic principal adjustments to account for inflation based on changes in the consumer price index.

And as is the case with mutual funds, you can also arrange to have your Treasury Direct account funded through payroll savings.

Bonus idea – Consider a 5% return with Worthy Bonds

For as little as $10, you can invest in Worthy Bonds. Worthy Bonds are fixed interest bonds that fund loans for creditworthy American businesses. The bonds have a term of 36-months, but interest is paid weekly and you can withdraw your money at ANY time, without penalty. Buy as many $10 bonds as you’d like.

The simple idea is that Worthy is going to take the money you use to buy bonds and invest it into companies with a greater return than 5%. They win, you win and it’s a fixed rate so you know the rate of return every day.

The platform is open to all U.S. investors and can be a great way to diversify your portfolio with a low-risk solution. Worthy only invests in fully secured loans (liquid assets having a value significantly greater than the loan amount), so the quality of loan and investment is always high caliber.

Summary

There are plenty of ways to start investing with little money, with many online and app-based platforms making it easier than ever. All you have to do is start somewhere. Once you do, it will get easier as time goes on, and your future self will love you for it.

Read more

Start Investing with Little Money

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Article comments

We invite readers to respond with questions or comments. Comments may be held for moderation and will be published according to our comment policy. Comments are the opinions of their authors; they do not represent the views or opinions of Money Under 30. Comments have not been reviewed or approved by any advertiser, nor are they reviewed, approved, or endorsed by our partners. It is not our partner’s responsibility to ensure all posts or questions are answered.

Good tips, thanks

Investment is a good thing especially when you invest in the stock market and know the history and the performance of the company, its annual turnover.

Not going to McDonald’s… Exactly what I was talking about previously. No, you have good advises here, people in disadvantaged positions may not have choices other than the ones you describe above or may have to consider the choices you describe above but no one dreams about “not going to McDonald’s” or whatever other fast food joint (I’m kidding here) people prefer. I immensely enjoy all your and many other finance-related articles. I want to educate myself. I am dreaming about investing, and I have no background in it, so I want to read as much about finance-related topics as I can. I have basic knowledge of a lot of things but I’ve never done investing. I recently started reading stuff on investing. You no doubt have great articles, obviously, great language, great page design, FANTASTIC. You know what? These would be fantastic articles for classes in shelters where people, of course, are trying to get on their feet. Homeless shelters already have a lot of classes probably including financial ones, you have language and design here that is understandable by everyone, and you talk here, you know, about things that maybe relevant to people in homeless shelters. You don’t talk here about ways to buy mansions, do you, and a lot of inhabitants of homeless shelters work, you talk about things here many homeless can relate to-saving money, even investing. It looks like modern investing requires very little money, and no doubt, many homeless people may have a little bit of money, right? Many of them work. You have wonderful topics here for those institutions, absolutely. Add to such lectures a few Oreo cookies and/or candies, and you are all set, right? Hey, I am trying to be modest here, if that was me, I had permission and a lot of money, I would give homeless more than Oreo cookies but a lot of people do not think that way. All right, guys, thank you very much for your wonderful articles, how are you doing? I am doing all right, is everyone getting prepared for the holiday season? At first Columbus Day, then-Veteran’s Day, then-Thanksgiving, holidays are coming up! Thank you very much for your wonderful articles.

This is a really silly question but i honestly do not know the answer. If you invest in stocks or bonds and they go south can you end up losing more than your originL investment? Can you end up paying more?

Elle,
No with Common Stock and basic bonds you can never lose more than you invest. Most ways to lose more than you invest is to have controlling active ownership of companies or partnerships or invest in riskier things like options trading.

Coastal-city.com Review: Is This Investment Game Worth Your Money?

Damien Fahy of MoneytotheMasses.com recommends: Jupiter India

Ongoing charges: 1.09 per cent

Yield: 0.10 per cent

He explains: ‘While India hasn’t been immune to the negative sentiment surrounding emerging market equities it has fared better than many of its peers. In addition, Indian equities are not tightly correlated to either developed or emerging market equities.

‘This is in part a result of the sweeping changes that have occurred in India’s political and financial system over the last 2 years, thanks to Narendra Modi’s majority pro-growth Government. India’s politics have historically been a messy tangle of inter-state politics with each elected State historically putting self interest over national unity

‘Modi has tackled this by giving individual Indian states more autonomy which has led to states wanting to be more competitive, particularly for foreign investment, rather than being merely obstructive. If you go to any major UK airport, such as Heathrow, you will now see billboards from individual Indian states claiming to be an ‘investor’s paradise

‘Reform is never easy, but as the pace of reform accelerated so too did the Indian stock market. Still, the pace of reform has not been fast enough for some.

‘While other emerging markets have struggled with commodity prices, particularly the fall in the price of oil, India is different. India imports 80% of its oil, so is unlike other emerging markets that are net exporters rather than importers. Analysts estimate that if oil stays below or around $50 a barrel it will boost economic growth by 1% a year (India’s economy currently grows at an eye-watering rate of around 7.5% a year).

‘Clearly investing in India is an indirect bet on a low oil price given its position as a global consumer rather than producer. If you believe the price of oil is about to rocket then clearly you wouldn’t necessarily want to be left holding Indian equities.

‘Investors wanting direct exposure to Indian equities could look at Jupiter India. Those investing must be comfortable with volatility, which is greater than some its peers due to it investing across the market cap spectrum, and also have a long term view.’

Adrian Lowcock, head of investing for Axa Wealth, highlights: JPM Emerging Markets Income

Ongoing charges: 0.93 per cent

Yield: 5.6 per cent

This fund invests in shares of emerging market companies. Big regional exposures include Taiwan, South Africa and Hong Kong.

Mr Lowcock says: ‘Manager Richard Titherington’s focus is on the future, where earnings and profitability will be in five years’ time, not currently. He holds between 50 and 80 companies with about 60 per cent invested in companies that yield 3 per cent and can grow their dividends, 20 per cent in low yielding companies with significant potential to grow their dividends and the remaining 20 per cent in high yielding companies with dividends over 6 per cent. This diversification means the fund is able to deliver a combination of an attractive growing dividend and capital growth.

Adrian Lowcock, head of investing for Axa Wealth, also highlights: Fidelity Emerging Markets

Ongoing charges : 1.1 per cent

Yield: 0 per cent

This fund invests in companies listed or operating in a number of emerging markets.

You will find investments in India, South Africa and companies listed in the United States, but conduct business in emerging markets.

Mr Lowcock says: ‘This fund is a best of breed portfolio with a concentrated fund. Manager Nick price focuses on investing in good companies at the right price. He is looking for companies able to deliver strong growth and higher return on investment. Price has favoured South Africa and Sub-Sahara where he sees clear growth opportunities as the region develops. This fund is more suitable for investors willing to take on risk as it is likely to be more volatile.’

Darius McDermott, of Chelsea Financial Services , highlights Lazard Emerging Markets

Ongoing charges : 1.08 per cent

Yield: 2.1 per cent

This fund looks for the ‘global brands of tomorrow’ in emerging markets.

It has regional exposure to Asia, Latin America, emerging European markets and Africa.

Mr McDermott says: ‘Many leading global brands are now emerging market companies and this fund uses a 230-strong team of investment analysts to identify the global brands of tomorrow in these developing regions.

‘The managers take a bottom-up, stock-picking approach to achieve this and use market volatility created by macroeconomic concerns to time entry and exit opportunities. This strong value discipline has led to this being one of the stand-out funds in its sector.’

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