The esports scene is huge right now, and that means there are many games trying to be the next big competitive title. These games fall into different categories or genres, each offering a different experience to both players and spectators. Esports titles are unique in their accessibility to those who watch the competitive scene – something traditional sports can’t always offer. Let’s have a look at some of the biggest genres in competitive gaming and some of the examples of games that make up each.

Multiplayer Online Battle Arena

The multiplayer online battle arena (MOBA) is one of the biggest in the esports arena, offering huge prize pools and millions of players. They’re general complex games requiring a strong knowledge of the game’s systems, heroes, items and current meta game, and for this reason isn’t a very accessible genre to get started in. It often requires serious commitment for new players to become familiar with all the game mechanics and play styles. The premise of this genre is a team-based game where two teams of usually 5 players a team attempt to outplay the other team and destroy a critical building in their opponent’s base. The most popular games in the MOBA genre are Dota 2 and League of Legends, both boasting millions of active players.

First Person Shooter

The first-person shooter (FPS) is a staple of computer gaming and one that has found a huge footprint in competitive gaming. It’s a dynamic genre with many variations and game styles, from solo player vs player kill count-based games to round-based team games. At its core the genre features a view that emulates you looking out of the eyes of the character you play, and almost always the objective is to gun down your opponents or computer-controlled opponents to win. There are so many subtypes in the genre that we can’t cover them here, but popular entries include games like Overwatch, Call of Duty and Tom Clancy’s Rainbow Six Siege. First person shooters are real money earning games and one of the genres offered on Unikrn’s UMode platform where players can wager money on their own performance and make bets on their upcoming games. It adds a level of intensity to these games like no other way could.

Battle Royale

Battle Royale could be classified as a subset of the FPS genre, but because it’s one of the biggest game types on the planet right now, it needs its own section. The basic game design features a huge map where about 100 players will be deposited with nothing in their inventories. By looting buildings and gearing up, they must be the last player or team alive to claim victory. The map is constantly made smaller by using a safe zone that shrinks during play. Fortnite is the best example of the battle royale genre and is currently the biggest game in the world by active player counts. Another good example and perhaps the first game in the battle royale genre to gain popularity is PlayerUnknown’s Battlegrounds.

Trading Card Games

The trading card game is an extension of the cardboard based genre that has been popular amongst players for many years. It’s modelled on games like Magic the Gathering and similar trading card games, but instead of physical cards, it uses digital versions. The core gameplay mechanics involve building decks of cards to play against your opponent in a one on one setting. Usually this involves reducing a health pool down to zero by playing better cards than your opponent. Trading card games are known for their strategy but often include a level of randomness and chance that purists don’t enjoy about the genre. Trading card games are often spin-offs of bigger game universes or mirrored from their physical versions. Big games in the genre are Blizzard Entertainment’s Hearthstone and CD Projekt Red’s Gwent.

Fighting Games

The fighting game has been around since arcades made use of cabinets and games like Street Fighter and Mortal Kombat are the grandfathers of the genre. The game is usually a player vs player style where the objective is to knock out your opponent in a side scrolling view. Games of the genre usually have a vast catalog of fighters to choose from each with a small backstory to enrich the game’s lore. It has seen a resurgence in recent years and now enjoys popularity as an esports title with many players across the world. Street Fighter V is currently the biggest title being played competitively in the fighting game genre.

There are many other genres popular with esports players and spectators alike. Some honorable mentions are sports and racing simulations like the Fifa series of games and real time strategy games like StarCraft 2, whose predecessor, StarCraft, was one of the forerunners in competitive gaming. Whichever genre you choose to play or watch, you can be sure you’ll find a game you enjoy!

“In investing, what is comfortable is rarely profitable – Robert Arnott.”

Do these words ring a bell?

If yes, you’re among thousands of investors looking for a robust financial future without taking risks. With financial markets toppling every other day, the sentiments of the investor across the globe is gloomy. Investing may seem a daunting task in the COVID-19 crisis, but it’s not a terrifying ordeal.

You don’t have to be a Warren Buffet to invest because you can start investing no matter how much you have saved. 48% of working American adults save no more than 10% of their annual income. You can start with this 10% and achieve financial goals to increase your saving.

Smart investment is not a get-rich-quick technique; it’s a way to grow your existing wealth consistently. The investment strategy you choose depends mainly on time for investing, your risk-taking appetite, liquidity needs and investment goals.

In this guide, we have listed five smart ways to grow your hard-earned money even with market volatility.

1. Robo Investment

Whether you use Alexa or Siri, robots have become an integral part of the technological world. And the financial sector is no different. Their latest buzz word ‘Robo-advisor’ has finally joined the mainstream. Robo investing is creating rippling effects because it’s an appealing investment solution, especially for the beginners who don’t know where to start.

Robo-advisor has brought a paradigm shift in the cost of investment management and advice. Robo investment services use intelligent AI algorithm-driven program to select investment for you based upon the following:

• Risk-taking capability
• Expected level of return
• Timeline for investment

Based on these factors and without human intervention, the advisor selects a portfolio of ETFs. Instead of investing in one fund, it creates a diversified portfolio of ETFs, thereby reducing your risk.

Benefits:

• Unfazed by market emotion: These platforms’ decision is based on real-time statistics and not just a single black swan event or short-term market condition.
• Creates a diversified portfolio: It creates a portfolio of products catering to different risk levels.
• Excellent long-term investment: Even with the ongoing pandemic, long-term investment horizon remains secure.
• Low cost: Most Robo-advisors charge anywhere between 0.25% – 0.5% per year.

Statistics: By 2025, Robo advisory market is likely to reach over $16 trillion assets under management, close to three times the amount of assets managed by the largest asset manager.

2. Real estate

According to Andrew Carnegie, 90% of millionaires generate their wealth by investing in real estate. It’s an incredible figure to get you on your feet and start building wealth.

For a long time, the sector has been in the doldrums, with investors preferring equity and the stock market. But the current economic turmoil has changed the game making real estate investment a smart way to get rich. It increases portfolio diversification, provides another asset class, and reduces the risk.

Source: https://unsplash.com/photos/NpTbVOkkom8

Using these three ways, you can make money from real estate:

• Increase in the property value
• Passive income through renting the property
• Profit generated from business activities on the property

Apart from generating wealth, it’s a turnkey solution to your investment strategies because of the bouquet of benefits it offers.

Benefits

• Tangible asset: It’s the best high-value tangible asset as stocks can dip to zero, and the value of your car depreciates over time.
• Increases portfolio diversification: An investment home is likely to offset other high-risk assets’ volatility, thereby reducing risk and increasing diversification.
• Cash flow for retirement: Income from the rental properties can help supplement cash flow for retirement.
• Hedge against inflation: Investment properties are an excellent hedge against inflation. The property’s value rises with rising inflation, thereby protecting you from short and long-term inflation.
• Tax benefits: It provides tax benefits through depreciation, which elevates the returns.

Statistics: According to NCREIF, the return on residential rental properties in the US is 10.6%, and for commercial real estate, the return is 9.5%.

3. Peer-to-Peer Lending

With fixed income paying like peanuts, stock market fluctuating, low-interest rates, and consistently increasing inflation, investors like you shift their focus to peer-to-peer lending or P2P lending. It has now become a mainstream asset class. P2P lending connects investors like you with borrowers through a lending platform.

You can invest in P2P lending in the following ways:

• Invest in a particular loan
• Invest in a portfolio of loans

It’s different from crowdfunding as the latter works on equity-based investment, whereas P2P lending is a debt-based investment. It presumes that the borrower will repay the amount in given time duration.

Benefits

High returns: The returns are much better than other investment types. Some investments can even result in double-digit returns.

Highly-accessible: The online platform offers a seamless transacting experience, which is entirely safe to use.

Reliable credit evaluation: Most platforms use reliable algorithms to verify the FICO score to determine the borrower’s creditworthiness. It results in fewer borrowers not repaying the payments.

No mediator: By removing the banks or other financial institutions, P2P lending ensures that investors get most of the interest paid by the borrowers.

Statistics: The P2P lending platforms have witnessed a 32.5% growth rate from 2014 to 2019.

4. 401(k) Plan

For a comfortable, fun, secure, and care-free retirement, you need to create a solid financial cushion to fund it. With the 401(k) retirement plan, you can invest a part of your paycheck and ensure high-returns after retirement. The icing on the cake is your employer may choose to match a percentage of your contribution. It provides a golden opportunity to save for retirement while lowering the tax burden on the savings.

Achieving your retirement dreams won’t happen accidentally, and now is the time to start investing for a prosperous old age.

Benefits

• Saves tax: Contribution to the 401(k) plan is made before deducting the federal taxes. As these contributions are pre-tax, it reduces the taxable income and you pay less tax.
• Maximum control: You can contribute as much as you want. Plus, you have the flexibility to change the contribution at any time.
• Long-term investment: Instead of simple interest, you get compound interest on the saving. Compounding has a significant impact on long-term investment plans.
• Transferrable: Based on your plan, you can transfer the 401(k) account from one employer to another.

Statistics: As of 2019, Americans have invested $6.4 trillion in the 401(k) plan. The early you invest, the more benefits you will reap.

5. Precious Metal

There is no harm in adding a metallic shine to your portfolio. It not only makes the portfolio alluring but also diversifies the investment, thereby protecting you from the economic turmoil.

Precious metals like gold, silver, and palladium are hard assets and carry intrinsic value, making them a relatively safe bet. Furthermore, since the starting gold has never been worth zero and maintains its intrinsic value irrespective of the market condition.

You can buy precious metal in two forms:

• Buying the physical form like bars, coin, or jewelry
• Through financial products like ETFs, bonds, mutual funds, futures contracts, or stock of mining companies

As these offer different risks and rewards, a small portfolio allocation ensures a larger gain in the long-term. You can harness the volatility of the precious metal to accumulate wealth.

Benefits

• Hedge against inflation: Precious metals maintain or increase their value over time even when the currency’s purchasing power reduces. It works as an excellent hedge against inflation.
• High returns: Due to COVID-19, the prices of precious metals saw a tremendous jump in 2020. It’s an example of how solid is an investment in precious metals.
• Limited commodity: It’s a limited commodity due to which the demand is always high, and it’s less likely to fizzle out any sooner.

Statistics: According to Statista, the return on investment for gold was 235.75% in 2019.

Wrapping Up

In this article, we have listed five smart ways to invest your hard-earned money.

The best investment option varies from individual to individual as it depends on the financial goals and risk-taking capability. While there is risk associated with every type of investment, doing your research and understanding your goals will help you make the right decision at the right time.

Be prepared to do your homework and search for an investment option that fits your long-term and short-term investment goals.

Investing in the future is not easy, but it’s worth the efforts and pains. Using any one or all the above smart investment ways, you can provide financial security to your loved ones and live a tension-free life.

Have a judicious mix of investments while keeping time-frame, taxation, and risk in mind.

Start investing today for a better future tomorrow!

An online personal loan is one of those borrowing options that a borrower can use for various purposes. That’s why it’s no wonder that it’s on the list of today’s most popular loan types. A personal loan is commonly used for debt consolidation, financing home renovations, paying for car repairs, covering medical expenses, etc.

When it comes to the interest rates, this loan option has APRs ranging from 6% to 36%. The information on your credit profile, such as your credit score and debt ratio, plays a big role in the interest rate you can get for the loan.

Consider the interest rate of your online personal loan because it’s the primary factor on how much the loan will cost you during its lifespan. Compare the best online personal loans rates from Match Financial for you to have an idea regarding this matter.

Upgrade

As one of the trailblazers of fintech, Upgrade is indeed a personal loan provider you can trust. This lending company is one of the companies that helped shape the online and mobile banking industry.

It’s also well-known for providing online personal loans with reasonable annual percentage rates. Upgrade offers an average interest rate of 8% for its personal loans to borrowers.

SoFi (Social Finance Inc.)

Social Finance Inc., better known as SoFi, has been one of the leading lending companies that offer personal loans with inexpensive interest rates. Borrowers can obtain a personal loan amounting up to $100,000 with APRs of 12.86%. Of course, that percentage may vary according to your credit score and the term of your loan.

Prosper

In 2005, the US-based lending company Prosper was established. Like the two lending companies mentioned above, Prosper also carved its name among the top personal loan providers today.

Borrowers can obtain loans amounting from $3,000 to $50,000 with repayment periods of up to 36 months from Prosper. The average interest rate of personal loans at Prosper is approximately 14.20%.

When Should You Apply for an Online Personal Loan?

Be smart when it comes to getting an online personal loan. It’s advised that you only apply for it when you need money for important expenses or investments. For example, you can use the cash you get from this loan for home renovations. Improving your house is an investment that can boost its market value and bring you profits in the future.

Another reason for obtaining an online personal loan is if you need to get rid of high-interest debts. Personal loans are commonly used for debt consolidation, which allows you to pay off your debts at a lower interest rate and monthly payment. Using a personal loan this way benefits you because it can repair your credit score.

It’s also wise to choose this loan option if you don’t have sufficient money to pay for your utility or medical bills. Such matters are under the category of essential expenses. The bottom line here is that you should only apply for an online personal loan if used for an important purpose.

Tips Before Submitting Your Personal Loan Application

Before applying for an online personal loan, there are things that you need to consider to boost your chances of getting your application approved.

• While you can avail of an online personal loan even if your credit score is fair or poor, it’s still advisable to have a good to exceptional credit to enjoy advantageous interest rates. So, before you decide to choose this loan option, make sure to build or improve your credit.
• Inquire from different loan providers and compare what they have to offer. The APR, extra charges, repayment term, and loan amount should be your top considerations when comparing lenders.
• Missed or late payments should be avoided when you’re tied in a loan contract because it can ruin your credit score. So, make sure that you create a budget plan to ensure that your repayment fits your monthly budget, and you make on-time payments.

Is It a Good idea to Pre-Qualify for a Loan?

The answer to this question is yes. Getting a loan prequalification is beneficial to you because you’ll know beforehand the loan amount you can take in your financial situation and whether the lender is willing to approve it. Another good thing about prequalification is that it won’t hurt your credit score.

You can obtain a loan prequalification from different lenders to compare what they have to offer. Make sure to pick the one that can provide you with the most favorable interest rate and then formally apply for the loan.

Takeaway

Whenever you apply for an online personal loan, you should see to it that the interest rate is affordable for your financial situation. Upgrade, SoFi, and Prosper are three lending companies that offer the most affordable rates right now. Just review this article for more information on how to find the best personal loans with lower interest rates.

Growing a business takes work and dedication. It also takes money. There are times when the two just do not seem to intersect, but thankfully there are options available. While you might be a business owner who is trying to operate in a debt-free manner, there are certain occasions when you may have no other option. There are some good ways to make use of small business loans, so you will want to consider those in order to get through the tough times or to expand in a measured way.

Purchase or Upgrade New Equipment

No matter what field you are in, you have probably noticed that technology is rapidly advancing. This often makes the equipment that you currently own obsolete. In such a case, you will want to upgrade new equipment in order to become more efficient. This will also end up saving you money in the long run. There are also times when your business is growing and you realize you need additional equipment in order to keep up with increased production demands. This is where small business loans are commonly used and can come in handy if you need the extra capital to do so. According to the lender comparison site Lantern Credit, “If you own a small business and you’re ready to open a new location, refinance or consolidate other loans, hire staff, or need to upgrade equipment, SBA 7(a) loans can be a great way to obtain manageable financing.“

Expand Existing Inventory

When your business is growing, you will need to keep more product on hand in order to meet consumer demand. You do not want to run into a situation where you run out of stock of certain popular items. This will curb the enthusiasm that people are feeling towards your business and cause many customers to go to a competitor. You might also find that many people will order products that are back-ordered. Having an infusion of cash will allow you to increase your existing inventory and be able to meet the increased demand that comes your way.

Make Payments to Employees

It goes without saying that your employees are extremely valuable. You do not want to lose them when your business has turned sour for a season. In order to retain them and keep current with payments, you may need to resort to a loan to get through this tough patch. You will be amazed at how much your employees will appreciate what you have done for them, and loyalty should increase as a result.

Expand the Business

You will want to capitalize on new opportunities when they arise. This might involve expanding your business into a new market. This could be a strategic use of a loan that can benefit you well into the future. Make sure that you take your time and are certain that this is a step that you are ready to take.

When it comes to getting access to the capital that you need to keep your business going in the right direction, small business loans can really help you. Just make sure that you take a look at your situation and that you put the money to good use. You will want to work to pay off the loan as quickly as possible so that you can minimize your overall debt.

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