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These are the Most Popular Songs to Code To

Music has long been shown to boost both cognitive performance and productivity. With more and more people working from home, listening to music can help combat loneliness, increase happiness and wellbeing, and provoke analytical thinking.Certain jobs and professions are more suited to background music than others. One such profession is coding, which requires high levels of analytical and problem-solving skills.Music to Code ToKO2, providers of recruitment solutions for electronics and embedded systems businesses, recognize how coders can benefit from listening to music. According to KO2, listening to music as they world can help coders get into that elusive, concentration ‘zone’.“We all know that listening to music can help you get into the ‘zone’. It’s that powerful state that developers hit from time to time where the only thing that matters is the problem you’re working on.When you’re trying to focus, music is the best way to keep yourself entertained as it can be difficult to listen to podcasts or watch Youtube videos. And whether it’s the passing traffic, a squeaky floorboard or dull office chitter-chatter, a cracking playlist can go a long way to blocking out unwanted noise,” writes Chris Oddy, a recruitment consultant who specialises in the electronics and embedded systems sector.The recruitment technology specialists are so acquainted with the ‘in the zone’ capabilities of music for coders, that they were determined to find the best songs to listen to when coding.Most Popular Songs for CodingKO2 pawed Spotify tom come up with the most popular songs and artists to code to. Here’s what they found.Topping the list by featuring the most coding playlists was The Weeknd’s 2019 song ‘Blinging Lights’. Another clear favorite choice of song among coders was French Inhale by [bsd.u].Here is the list of the most popular songs to code to:Blinding Lights by The WeekndDay One by Hans Zimmer[bsd.u] by French InhaleBoth of Us by IdealismCornfield Chase by Hans ZimmerSolar Sailer by Daft PunkTime by Hans Zimmer[oops] by potsuAffection by JinsangControlla by IdealismSnowman by WYS5:32pm by The DeliA Walk by TychoAwake by TychoAway with the Fairies by Sleepy FishI’m Closing My Eyes by PotsuDaft Punk Most Popular Artist to Code toWith regards to the most popular artists to code to, Draft Punk take the number one slot. The French electronic musicians average more than 15 million monthly listeners on Spotify and their songs appear most frequently across the Spotify playlists of coders.Daft Punk were followed by Odesza, as the most popular artist for programmers to listen to when working.When it comes to musical genres, electronics seem to be a favorite for coders. As Ko2 notes, it must be something to do with the consistent beat that helps coders establish a rhythm.KO2’s research provides useful insight into how professionals use music to get them in the mood and improve performance. In this sense, employers may want to consider encouraging the use of background music in the workplace.Image: Depositphotos

Lennar Corporation Is Building Value For Investors

Rising lumber prices, rising mortgage rates, and tepid housing data cast a pall on shares of Lennar Corporation (NYSE: LEN) but that is turning into a…

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17, 2021

4 min read

This story originally appeared on MarketBeat

Lennar Is A Timely By For The Second-Half
Rising lumber prices, rising mortgage rates, and tepid housing data cast a pall on shares of Lennar Corporation (NYSE: LEN) but that is turning into a buying opportunity. The stock is down about 15% from its recent high but that’s about to change. The fiscal second-quarter earnings report blew past all expectations proving that Lennar and the home building industry are still in a golden age. There are hurdles to overcome, but this company is well-positioned to produce sequential and year-over-year growth through the end of this year at the very least.
Nothing Not To Like In Lennar’s Q2 Report
After reading through Lennar’s fiscal Q2 earnings report we can’t find anything not to like. The company’s revenue came in at $6.43 billion to grow 21.6% from last year and beat the consensus by 350 basis points. More importantly, this revenue is accelerating sequentially,  is up 15% over the past two years, and growth is accelerating on a YoY basis too. The strength was driven by the strength and new orders, the companies still growing backlog, and accelerated starts withIN company-owned communities. Deliveries of new homes surged 14% in the quarter to 4,493 while new orders picked up by 32% in volume and 56% in dollar value.
Moving down the report, the company was able to leverage the market strength and improve margins at all levels. The homebuilding net margin of $1.1 billion is nearly double the previous year outpacing revenue growth by high double-digits. The gross margin on home sales improved 450 basis points to 26.1%, SG&A expenses as a percent of revenue fell 70 basis points, and net margins improved more than 500 basis points to 18.5%.
The bottom line reflects the revenue and margin strength, the GAAP eps of $2.65 and adjusted EPS of $2.95 both beat the consensus estimates by wide margins. GAAP EPS beat by $0.30 while adjusted EPS beat by $0.57 and all this capital is being put to good use. The company’s cash and cash equivalents increased to $2.6 billion and it was able to retire $300 million of senior notes due later this year. That action resulted in an upgrade of all of its debt by Standard & Poor’s to investment-grade so the company now has investment-grade ratings from all three agencies.
Lennar Corporation Spin-Off Story Gets A Little Sweeter
Lennar Corporation has made several investments in start-up companies over the past few years and recently made the decision to spin them off. According to press releases the company has realized the value embedded in some of its technology investments and would like to benefit from the economic upside of those Investments. The latest news is that, because of the Q2 strength and outlook, the company is contemplating an additional injection of capital into the budding company. There is still no word yet as to when the spinoff will take place but we expect it to be sometime this calendar year.
“We ended the quarter with $2.6 billion in cash, no borrowings on our $2.5 billion revolver and a homebuilding debt to capital of 23.1%, an all-time Company low. With regards to the previously announced potential tax-free spin-off of certain assets, given the strength of the market which has accelerated our earnings and equity growth, we have slowed progress this quarter in order to focus on upsizing the asset base of the businesses we would like to spin-off and are targeting an asset base of $5-$6 billion, compared to $3-$5 billion we discussed last quarter,” Said Stuart Miller executive chairman of Lennar Corporation. 
The Technical Outlook: Lennar Looks Ready To Move Higher
Shares of Lennar have pulled back from a recent high but now look ready to move higher. Not only do the indicators suggest the pull-back has become overextended but early premarket action suggests the stock is going to move higher today. The question is how high and where the stock closes at the end of the day. A move above the $93 level would be good for the Bulls but we would remain cautious until a break above the short-term moving average. Featured Article: What is Elliott Wave theory?

How To Build Your Business Around Your Life

In a world that’s purporting work-life balance, here’s a thought: what if you can build your business around your life instead? No more striking out on balancing hours, commitment, and workloads between your work life and your, well, life. Instead, you are creating something that works alongside your life just the way you like it – and, when done right, provides even more time and opportunity for you to keep living life the way you hope to, whether that’s through traveling, taking off on Wednesdays, or pursuing your other passion projects. It may sound fantastical, but there are countless examples of entrepreneurs who are doing just this. It’s possible to have a life that you love, with a business that you love, and for the two to fit together like perfect puzzle pieces. Whether you’re considering the next step post-retirement, hoping to launch your first business, or you have your eye on your next venture after a successful acquisition, consider these tips to truly build your business around your life… rather than building your life around your business. 

1. Choose A Business You Really Care About 
It sounds cliche, but doing what you love starts with actually doing what you love. Many entrepreneurs go into business dead set on what will produce the biggest profit margins, or what’s aligned with the industry they’ve always worked in. Be honest with yourself: do you really care about the business idea you’ve come up with? Does it align with who you are and what you want for your life? 

Jeremy Griffin CEO Of Aligned Solutions, poignantly shared with me that “your business needs to be built in accordance with your values, so that it can coexist seamlessly with your life at large.” In other words, your business should reflect the values that you have as a person – and live up to them. “Resistance in business comes when you’re infringing upon your values,” Connor warned. “This resistance can plague your happiness in your work, and make it hard for you to be truly creative or productive.” 

These values can range from “a culture where everyone feels heard” if that matters to you, to “winter sports,” if that’s where your true passion lies. Start with what you know and what you care about. Go from there.

2. Build Out The Systems Necessary To Outsource
To achieve a work-life balance, you can’t be the lone sailor at the helm of the entire operation. Sure, when you’re just getting started, there’s going to be a lot of legwork. But beyond that, outsourcing will help you to better manage your time so you can be a more efficient business owner, while also having the luxury of enjoying your life (isn’t that what we’re all after?). So, build with the intention of ultimately outsourcing. 

Much of this comes down to processes and systems. This could pertain to your sales funnel, business model, or supply chain management. If you were to take three months off starting next week, how would you explain each system to a team member to run the show? You will certainly need to iterate on these processes as you go, but the more you can build out a concrete ‘A to Z’ instruction manual about each stream of your business and how it’s executed, the smoother the sailing will be – lone sailor or not.
3. Make Sure The Culture Reflects Your Values 
Having a business you really care about may mean the culture is built just the way you like it as is. Or, it may mean you’re finally doing work that aligns with your passion. Either way, our happiness at work or in our businesses is greatly affected by the culture of the workplace. 
Your role as a business owner is to make sure that the culture you are building reflects the values you hold dear.  Hint here: if you’re building a business for work-life balance, honor the same for your employees. Have clear clock-in and clock-out hours, and encourage their lives outside of work. 
4. Find A Way To Do It All Remotely
We’ve all gotten quite proficient at this over the past year, but ensure there’s flexibility in the way that you run your business so that you can take liberties with how you spend your free time. Building out processes and systems will make this all the easier for your team (or, even for you) while you are jet setting off to a remote destination or taking a week off to backpack. As important as it is to be integral in building your business, don’t build it around you – in other words, don’t make it so that the business’ success depends on your physical presence in an office every single day. That’s how you’ll end up back where you started: letting your work run your life instead of the other way around.
This looks different for every entrepreneur, but having trust in team members can help a great deal. Align with them on company culture and the systems or processes needed to keep the engine running smoothly and scaling. Define how daily and weekly check-ins will look, so you can be kept abreast of KPI’s and any potential snags to the system. This way, you’re a hands-off manager that retains as much creative control as you desire to really work with your business. 
People build businesses for many reasons, but usually, the heart of it is having autonomy over their lives and being able to make a living on their own terms. Don’t let this initial desire and priority change so that your business runs your life, as opposed to the other way around.

Cross-Chain Interoperability: Transforming The Decentralized Ecosystem

16, 2021

8 min read

This story originally appeared on ValueWalk

The blockchain economy is growing at a phenomenal rate from the last few years due to a broadening adoption curve, awareness, and interest from institutional and retail investors. However, most of this $1.5 trillion economy is dominated by a handful of big platforms that exist mainly in isolation due to a lack of cross-chain communication and interoperability.

Q1 2021 hedge fund letters, conferences and more
When platforms or companies exist in silos, it encourages monopolization where they grow bigger and bigger to capture the majority of the market share. If you’re not convinced, look at Google and Amazon! This monopolistic behavior kills innovation and makes it difficult for smaller players to establish their positions in the market.
If we look at the current state of the cryptocurrency ecosystem, Bitcoin and Ethereum dominate the market with a combined market share of over 62% as of writing. However, this monopoly effect doesn’t end here as the remaining 18% of the market is captured by eight different projects, which means that only ten projects control 80% of the entire $1.5 trillion cryptocurrency market.

This monopolistic behavior in the blockchain space isn’t intentional since we are talking about a decentralized environment where no single entity governs the market with its power. This monopoly effect can be reduced by enabling true cross-chain interoperability solutions to connect these big siloed blockchain networks, and allow many innovations to leverage the features of these platforms instead of re-inventing the wheel every single time.
Promising Cross-Chain Interoperability Solutions
To help build an interconnected ecosystem, several blockchain platforms today are developing solutions to enable true cross-chain interoperability between different public chains. They all have a unique approach with a robust architecture that enables these siloed chains to communicate with each other and transfer assets seamlessly.
Let’s discuss some of these platforms and how they enable cross-chain interoperability.
Polkadot is a meta-protocol or a Layer-0 protocol where you can build and launch your own custom blockchains. These blockchains are called ‘Parachains’, which can seamlessly communicate and perform cross-chain asset transfer on all the parachains launched on the Polkadot network.
Similar to the Ethereum network, where you can deploy and launch smart contracts, you can launch purpose-built and niche-focused blockchains on the Polkadot network. To connect the existing blockchain platforms like Ethererum and Bitcoin, Polkadot has built cross-chain bridges so each parachain on the Polkadot network can communicate with them and transfer value.
The underlying meta-layer that secures all the parachains within the Polkadot ecosystem is called the ‘Relay Chain’ that provides shared security for all the parachains on the network. The Relay Chain also allows trust-free cross-messaging between all the parachains and bridged blockchain networks.

The Relay Chain that secures the entire Polkadot network has two consensus protocols, BABE (Blind Assignment for Blockchain Extension) and GRANDPA (GHOST-based Recursive Ancestor Deriving Prefix Agreement). BABE handles the block production mechanism, and GRANDPA is responsible for provable and deterministic finality. Both BABE and GRANDPA consensus protocols work independently to run and secure the network.
Wanchain is a blockchain interoperability platform that provides a cross-chain infrastructure to connect all the isolated public and private blockchains, just like WAN (Wide Area Network) connected the isolated LAN (Local Area Networks). This interconnected blockchain ecosystem will pave the way for many innovations in the $69.9 billion Defi economy, enabling Open Finance in its true essence through decentralized cross-chain applications.
Many interoperability solutions available today are either centralized or focus on public blockchain interoperability. Wanchain is fully decentralized and enables Public-to-Public, Public-to-Private, and Private-to-Private blockchain interoperability.
Wanchain is secure by Galaxy Consensus, a proprietary Proof of Stake consensus algorithm where validating nodes are required to stake Wanchain’s native WAN tokens to validate transactions on the network. In addition, all the cross-chain bridges on the network are maintained by Wanchain’s Storeman Group, which are independent and unified decentralized collateral pools.

Wanchain built the world’s first decentralized direct bridge between BTC-ETH and has been building its cross-chain infrastructure since 2017. Today, Wanchain has built decentralized bridges to connect EOSIO, Binance Smart Chain, XRP Ledger, Bitcoin, and Ethereum, with Polkadot and other chains in the pipeline.
As part of their development roadmap, Wanchain is planning to roll out an upcoming Ethereum Layer-2 solution called X-Rollup, and they are constantly working on adding cross-chain bridge support for various public and private blockchains to drive adoption.
Cosmos is a decentralized network of parallel blockchains that are independent and interoperable with each other. Both Cosmos and Polkadot network have a similar design approach, where custom blockchains can be launched within the ecosystem and connect to external platforms via bridges. However, there are some subtle differences between the two.
The Cosmos team released Tendermint back in 2014, which is a Practical Byzantine Fault Tolerant (PBFT) state machine and a peer-to-peer network gossiping protocol. Tendermint takes care of all the consensus and networking for each independent parallel blockchain on the Cosmos network.
On top of Tendermint is the Application Blockchain Interface (ABCI) that allows blockchains to launch their custom stateful applications. The ABCI protocol is also responsible for updating the state of the blockchain. Only Tendermint has access to functions that can change the state of the blockchains, which is a secure design approach.
To enable cross-chain communication, Cosmos has built the Inter Blockchain Communication (IBC) protocol that allows all the blockchains on the Cosmos Network to interact with each other via a central hub called Cosmos Hub. Cosmos calls it the Zone and Hub model, where each blockchain is a zone that communicates with others via a central Hub.

To allow interoperability with external networks like Bitcoin and Ethereum, Cosmos Network has special kinds of bridges called Peg Zones. These Peg Zones are run by a set of validators that approve the cross-chain transactions through locking and unlocking pegged assets. Unlike the bridges used in Polkadot, the design of the Peg Zones in Cosmos Network is fairly complicated and mostly theoretical at this point.
Polygon (Matic)
Polygon was previously called Matic network, which was a simple Ethereum Layer-2 scaling solution. The team re-branded and re-launched the platform under a new name, Polygon. This revamped platform aims to create what they call “Ethereum’s internet of blockchains”, i.e., a multi-chain ecosystem and a network of Ethereum-compatible blockchains.
Polygon has a developer-focused approach, where it allows developers to easily launch their Ethereum compatible blockchains by leveraging different modules for consensus, governance, virtual machine implementations, and execution environments.
There are two kinds of chains that you can build on Polygon; standalone chains and secured chains. Standalone blockchains are self-sovereign and rely on their own consensus and security, whereas the secured chains inherit the security from the Matic proof-of-stake (PoS) sidechain.

However, all the standalone and secured chains launched on Polygon today derive their security from the Matic PoS sidechain, and they will be separated with a later upgrade. Polygon also supports Matic Plasma, a Layer-2 scaling solution, and the team has plans to bring in more Layer-2 scaling solutions like zk Rollups, Optimistic Rollups, and Validum Chain. Polygon only focuses on the Ethereum ecosystem, and we are yet to see its traction.
Fusion is yet another cross-chain interoperability platform focused on financial innovations. Fusion has built Decentralized Control Rights Management (DCRM), a decentralized custodian model to carry out cross-chain and cross-system transactions.
DCRM is the distributed storage of private keys divided into fragments (shards) and stored across a network of nodes. In a traditional custodian model where a user initiates a cross-chain transaction, the user’s funds are locked, and the keys to unlock those funds are stored on either a centralized server or custodians.

In DCRM, however, the private key is divided into fragments (shards), and each shard is encrypted and then distributed across the network. DCRM ensures the security and protection of the user’s funds. In addition to that, Fusion is also Ethereum compatible and supports smart contracts that can leverage the security and interoperability offered by the platform.
Fusion uses a variant of the Proof of Stake consensus mechanism called Ticketed Proof of Stake (TPoS) to secure the network. This custom-built TPoS algorithm enables Fusion to achieve 15 seconds block time and supports 2500 to 3000 TPS, suitable for large-scale and complex applications.
Wrapping Up
Cross-chain interoperability is the next big thing in the current fragmented decentralized ecosystem we see today, as it will reduce the monopoly effect and allow innovators to leverage the strengths of the existing platforms to create applications for financial inclusion.

About the Author
Haroon Baig is an Ex-Microsoft hire, a coding geek turned freelance researcher and writer at Decentralised Lab. He works with companies of every size in the blockchain space to establish, expand, and improve their online footprint through his writings. He got involved in the crypto space back in 2012 and was fascinated by the underlying technology. Since then, He has been educating people about this space through his content.

Micro Investing's Magic Lies in Helping Your Favorite College Grad (or You) Gain Confidence

16, 2021

5 min read

This story originally appeared on MarketBeat

When you first graduate from college, you might not feel comfortable dumping lots of money into unknown stocks or ETFs. Even if you’re not a new college graduate, you may want to consider a different approach when you don’t have a lot of extra cash lying around. Why not try micro investing? 
Micro investing takes the daunting feeling away from investing, and therein lies its true magic. Let’s take a look at what it can do for you and how it can find a place in your portfolio.
What is Micro Investing?
Put simply, when you micro invest, you invest using small amounts of money. In other words, you pony up money to buy fractional shares of stocks or ETFs instead of full shares. 
As of today, a single share of Amazon (NASDAQ: AMZN) costs $3,383.87. You may know you can’t even afford one share of Amazon, much less two shares! 
Enter micro investing apps. You can buy Amazon for a much smaller amount — even really small amounts, like $10. You can also buy multiple securities to aim for diversification (always a great thing!) and lower your risk in the long run. 
Why Micro Invest? 
Small amounts, compounded over time, can make an impact. Compound interest makes your money grow faster. You can calculate interest on accumulated interest as well as on your original principal. Compounding can create a snowball effect: The original investments plus the income earned from those investments both grow.
Let’s say you save $1 per day. Your $1 per day adds up to $365 a year. Instead of spending that $365, you could stick it into a micro investing app at 5% interest per year. Your small amount would grow to almost $466 by the end of five years. At the end of 30 years, the amount you originally invested would grow to $1,578. 
If you micro invested even more, your investment could grow even faster.
How Does Micro Investing Work?
Have you ever heard of the app, Acorns, which invests small change for you? That’s micro investing. A micro investing app rounds up your purchases to the dollar or makes automatic transfers for you. Think of micro investing as “spare change investing” — many apps round up your transactions from a linked bank account and invest the difference. 
In other words, let’s say you go to Chipotle and order a mega burrito with those delicious limey chips. You spend $10.34. The app would take your remaining $0.66 and invest it.
You don’t have to invest a lot to get started, either. Stash allows you to get started with just a penny.
Interested in micro investing for your favorite college grad or yourself? Take a look at the following steps to get started with micro investing.
Step 1: Choose a micro investing app. 
What’s often the hardest part? Choosing the right investment app. Often the most important question comes down to this: Do you want to get your hands directly on your investments or do you want an app to pilot and direct your money for you? 
Quick overview: Acorns and Betterment put a portfolio together for you based on your preferences. Stash and Robinhood allow you to choose the direction you want your money to take by allowing you to choose your own investments.
You may want to choose an app that lets you steer the ship yourself, particularly if you want to take a DIY approach to your investments at some point.
Step 2: Input your information.
Once you’ve chosen a micro investing app, it’s time to let the robo-advisor do its job. You input information to your micro investing app that helps it “understand” how to put together the best portfolio for you. You input your age, income, goals and risk tolerance and it’ll allocate your investment dollars accordingly.
Your money will go into a portfolio of exchange-traded funds (ETFs) based on the level of risk you choose. Based on the information you supply, you could end up thoroughly diversified with shares in many (sometimes hundreds) of different companies. 
Step 3: Set up recurring investments. 
You can set up investments to go into your investment account on a recurring basis for just a few dollars per month. You can also choose to make one-time deposits. Your robo-advisor will automatically rebalance your account if you have too much invested in a particular asset class.
Setting up recurring investing means that you’ll invest without thinking about it. (You’ll never miss pennies!) 
Step 4: Don’t quit there.
You can easily track your earnings when you micro invest because those apps are seriously slick. You can even project your earnings through the app’s earnings calculator so you don’t have to wonder how much you’ll have later on.
However, this is important: Remember that micro investing may not make you rich (if, in fact that is your goal). You probably can’t save enough for retirement through micro-investing, either. You probably also won’t net enough to save for larger goals, such as a down payment on a home. You may generate a few hundred dollars a year, which might allow you to save enough to fund an emergency fund, but that’s about it. 
The real win involves building the confidence needed to invest. 
Consider other ways you can invest, such as investing money in a 401(k) or a Roth IRA after you get comfortable with micro investing. 
Micro Investing Could Work Wonders
Micro investing can work wonders by breaking down barriers to investing. One of the biggest complaints from young students just starting out is that it’s too expensive to invest. 
Micro investing can give you or a new grad the confidence to try bigger things, starting with baby steps. If micro investing is what it takes for a new grad to get more comfortable with smaller investments (then grow investments later), then it’s a great option for young investors just getting started. Featured Article: Trading Halts Explained

3 High Short Penny Stocks to Watch as AMC Stock Shoots Up

15, 2021

7 min read

This story originally appeared on PennyStocks

3 Penny Stocks That Investors Are Betting Against in 2021

Finding penny stocks with high short interest is not new by any means. But, this year, a major paradigm shift occurred with this method. If you’ve traded penny stocks or any stocks in 2021, you probably witnessed the meteoric rise of GameStop Corp. (NYSE: GME), AMC Entertainment Holdings Inc., (NYSE: AMC), and most recently, BlackBerry Ltd. (NYSE: BB). 

These companies all had massive short interests, and investors decided to bet against it. This resulted in a gain in the thousands of percentage points in only a short time frame. And because of that, retail traders gained a new power of having an actual sway in the market. So, what exactly is short interest? 

What Are High Short Interest Penny Stocks?

In short (no pun intended), this is the number of shares that investors have bought as ‘shorts’. In the case of GameStop for example, several large institutional funds decided to buy shorts as a way to bet on the company’s impending failure. This made sense as GME was on the verge of collapse. 

People no longer went to stores to purchase video games, and GME stock declined as a consequence. However, investors, mostly on Reddit, decided to come together to save their favorite video game store due to an emotional attachment to it. Additionally, these investors wished to beat out the institutional hedge fund as a symbolic resistance to Wall Street. 

[Read More] Best Penny Stocks to Buy Ahead Of Inflation? 3 To Watch Right Now

Since then, many investors of both penny stocks and blue chips, have searched for the next GME stock. This first involves creating a penny stocks watchlist of companies with high short interest. With shorted stocks, one of the best indicators is the number of shares shorted in the float. This is the percentage of shares in the market compared to the total freely trading shares. This is a great indicator of how many investors are shorting a company. A high short float for example would be anything over 15%. 

It’s worth noting that these stocks are usually quite risky. And, with so many betting against them, it can be even riskier. But, with that in mind, the potential to see profits is also palpable. For these reasons, let’s take a look at three penny stocks with high short interest right now. 

3 Penny Stocks to Watch With High Short Floats Right Now

Senseonics Holdings Corp. (NYSE: SENS)GTT Communications Inc. (NYSE: GTT) Digital Ally Inc. (NASDAQ: DGLY) 

Senseonics Holdings Corp. (NYSE: SENS) 

Short Float: 27.37%*

Senseonics Holdings is a penny stock that we’ve been covering for months at this point. And with social media search volume up 600% according to HypeEquity, there’s a good reason for that. It’s worth noting that SENS is a producer of technology used in diabetes care. This includes insulin monitoring which can be done all from a smartphone. While its products are interesting, the social sentiment surrounding SENS stock could be even more so. 

Some traders on Reddit have discussed that SENS stock could reach as high as $6 if the short squeeze continues. While this is mostly speculation, it is not out of the question considering the meteoric rise of other aptly named meme stocks. Over the past six months, shares of SENS have shot up by a more than staggering 750% to its June 15th price of $3.69. In the past month alone, Senseonics has increased in value by over 88%. 

One thing to consider is that because it is both a meme stock and a highly shorted penny stock, it can be quite volatile. Only a week or so ago, the company announced that its Eversense Glucose monitoring device showed a hypoglycemic detection rate of around 93%. This is very encouraging, especially in an industry where minutes matter. So, considering its groundbreaking technology and high popularity, will SENS be on your penny stocks watchlist?

GTT Communications Inc. (NYSE: GTT) 

Short Float: 22.38%*

Despite being down by around 8% today, shares of GTT stock have climbed by over 35% in the past month. GTT Communications is almost considered a tech penny stock for its expertise in membrane containment systems. However, it participates mostly in the transport and storage of liquefied gases.

Its products are used in LNG carriers, floating terminals, offshore storage tanks, and multi-gas carriers. Additionally, it offers smart-shipping solutions for natural gas and similar products. While the demand for fuel was understandably low during the pandemic, it is now climbing back up to pre-Covid levels. 

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While it is impossible to predict when it will reach new heights, many investors expect demand to increase substantially in the near future. Interestingly enough, GTT also provides services for the hydrogen industry, which has become a popular source of renewable energy. Last month, it announced that it supports SGN’s cloud transformation by offering both managed network and security services to one of the largest natural and green gas distributors in the U.K. 

“We chose GTT as our strategic partner due to its advanced cloud networking expertise and broad portfolio of service, which are critical to the success of our “all-in” cloud transformation strategy.” Andrew Quail, Director of IT and Innovation at SGN

This move is an important one for the company and could help with the further adoption of GTT’s products in Europe. Whether this information makes GTT stock worth watching, however, is up to you. 

Digital Ally Inc. (NASDAQ: DGLY) 

Short Float: 13.94%*

Another penny stock we’ve been talking about for months now is Digital Ally Inc. If you’re unfamiliar, let’s talk about what DGLY does. It’s difficult to pinpoint just one market that DGLY operates in because its business is quite broad. On one hand, Digital Ally is a specialist in designing and manufacturing high-quality video recording equipment and analytic software. These products are used in everything from law enforcement to emergency services and event security. 

On the other hand, the company recently announced the Shield Health Protection Product line which includes a whole slew of products aimed at combatting the pandemic. This includes everything from gloves to face masks and electrostatic sprayers for disinfecting large areas. 

And, last week it announced the creation of Digital Ally Healthcare Inc., which builds upon this endeavor. The goal with this is to provide consistent and sustainable revenue growth despite the effects of the pandemic or lack thereof. A few days before this announcement was made, the company entered into a venture with Nobility LLC, a revenue cycle management company for the medical industry. The goal with this venture is to first begin with two target acquisitions and then pursue more down the line. 

“Healthcare represents approximately $3.5 trillion or 18% of the U.S. economy annually. Last year we added the Shield Health Protection Products line to address parts of the health and wellness market.” Stan Ross, CEO of DGLY

It’s clear that Digital Ally is not subject to one market but rather prefers to broaden its brand and market base. It’s worth noting that DGLY is also frequently mentioned as a penny stock on Reddit and other social media sites. With all of this in mind, DGLY could be an interesting penny stock to watch moving forward. 

Are High Short Penny Stocks Worth It?

Finding the best penny stocks to watch all comes down to your investing strategy. If you’re risk-averse, then high short penny stocks may not be right for you.

[Read More] Can Penny Stocks Make You Rich? Check These 4 Small-Caps Out

However, if you’re looking for a penny stock to buy that carries high volatility, looking for highly shorted stocks could be a smart choice. Regardless, know what type of trader you are and how to use that to your advantage. With that in mind, what do you think? Are high short penny stocks worth it?

*All short float data provided by Finviz on Tuesday, June 15th

How To Overcome Every Entrepreneur's Challenge: Fear Of Taking A Risk

How To Overcome Every Entrepreneur's Challenge: Fear Of Taking A Risk

By Jean Ginzburg, founder and CEO of Ginball | Accelerating digital marketing for tech companies | Faster growth | Increased profits | Expand brand recognition.
Thriving entrepreneurs don’t stay in their comfort zones. If you want to be one, pushing yourself outside the space you’re used to must become a non-negotiable part of your personal and professional growth. 
Running a business has many moving parts, and things can change very quickly and dramatically. You need to adapt to the new landscape just as quickly. On the other hand, growing your business can become a daily grind. In that case, you need to stay gritty, competitive and open to trying new strategies.

Either way, pushing yourself beyond your comfort zone needs to be part of your entrepreneurial journey. Here are four tips on how to befriend the discomfort of taking a risk. 
Address the fear.

Entrepreneurs are natural risk-takers. That’s what makes you dip your toe into entrepreneurship in the first place. 
But you are probably also familiar with a sensation of paralyzing fear before taking the next step. You freeze. You don’t move because that next step can feel as if you are going over the cliff. Feeling dizzy, you are afraid to take the plunge. 

Let yourself off the hook for a moment, and think about your situation. Where are you stuck right now? What is your biggest fear? Is your fear bigger than the likely reality? What can you do to prepare yourself for the scary outcome? 

Remember: Often, once we take the feared step, our fears don’t realize. Quite the contrary, things fall into place and get moving. 
Be OK with being terrible, at first.
Risk-taking can be scary because you may expect yourself to perform at your best right away. But excellence comes with practice. Let yourself be just okay at something at first, knowing you’ll probably even be bad at this new thing. But keep going because you know it is the only way to get better at it and eventually shine.
It took me a while to get used to creating social media videos. At first, I was uncomfortable doing it, just as you probably are. Over time, my videos have become better because I challenged myself to stick to it. I didn’t walk away from an activity I found not just difficult but terrifying to do. 
I knew my first videos were awful, but that didn’t stop me. I had to shut up the perfectionist voice in my head and keep going. The amazing part was most people didn’t mind my bad videos. And if they did and told me so, I was not deterred. I used it as fuel to keep shooting more videos, quickly forgetting the unhelpful comments.
The way to get better at something is to be bad at it in the first place. Allow yourself to be okay with not being good at your new undertaking. Push through your perfectionism and move forward. 
Take baby steps.
Every journey begins with the first step. But sometimes even that one step can feel overwhelming.
If you are stuck, try to break that step down to see if you can take a smaller step toward your goal. Choose something with less friction. Choose something you know you can do now that’ll help you move forward.
Exercising is a good way to understand how taking small steps forward can change your life. The first few days can be hard, especially if you are comparing yourself to others. You may want to do more and quicker, but you know you can’t. You need to start with something you can actually do. Otherwise, you may hurt yourself. Once you conquer the first tiny step, you’ll be able to move to the next and to the next, until you achieve your fitness goal.
It’s the same in your business. If a task seems too big, break it down into smaller steps. See what you can do today and do it. The next step will be easier. 
Lean on the right people.
Surrounding yourself with the right people is key to your success. 
You need two types of people to support you. One type is those who push you out of your comfort zone. They are the ones who poke you, bring new ideas and challenge the status quo. They will help you find where your discomfort lies. They can inspire you to take risks you otherwise wouldn’t. 
The other type of person in your support crew is your cheerleader. You need those who believe in you, who stand by you and who encourage you. Their faith in you can carry you through those times when you don’t believe in yourself. 
Feeling both challenged and supported will make it easier for you to take a risk. 
Embrace the discomfort.
As an entrepreneur, you know you have to take risks. If you keep doing the same thing every year, you’re not pushing yourself or your business. Most times, taking a risk means dealing with your fears. 
When faced with the discomfort of taking a risk, take a pause. Think about what that fear is and how you can make it less potent; break down the task into smaller, less scary, steps; expect yourself to be bad at any new thing and seek encouragement from your community. 
Without taking risks, you can’t walk your entrepreneurial path. Being comfortable with the discomfort of taking a risk is part of the game. Master it, and you’ll thrive as an entrepreneur.

How Secta’s Joe Hill Plans To Shake Up School Fees Finance In The UK

How Secta’s Joe Hill Plans To Shake Up School Fees Finance In The UK

How do hard-pressed families manage the soaring cost of private education in the UK? Entrepreneur Joe Hill believes he has a potential solution with a new type of school fees loan secured against parents’ homes.Hill, the CEO and founder of Secta Finance, says a lack of innovation in the UK’s financial services market has left private education out of reach of many families – and forced even many of those who can afford school fees to arrange their finances inconveniently and inefficiently.

Secta Finance’s answer is the Flexiplan, enabling homeowners to borrow against the value of their properties in order to fund private education costs. Crucially, borrowers only draw down funds as and when they need the money – to pay each year’s school fees as they fall due, perhaps – and only incur interest charges on what they have actually taken. The loans are paid off over extended terms of 10 or even 20 years.
“It is incredibly tough for many families to fund private education, so I’ve been really surprised that we haven’t seen better funding solutions emerge,” Hill says. “If we can find those solutions, we’ll make it easier for those already paying fees to carry on doing so, and increase the number of families for whom private education could be an affordable option.”

Secta points to research suggesting that the cost of private education in the UK has increased by more than 400% over the past two decades, piling the pressure on the parents of the 7% of the UK school children who do not attend state schools. Annual average school fees are in excess of £15,000 for day schools and in excess of £30,000 for boarding schools. Factoring in additional costs, a private education can cost an average of £325,600 per child for day school and £469,700 for boarders starting their schooling in 2019.

Most families fund school fees out of their income, or use lending products such as credit cards and personal loans to make up any shortfalls. But such borrowing is expensive compared to secured debt, Hill points out, and the self-funding route is often problematic for people whose circumstances change or for those with unpredictable income.

“The worst case scenario is that you have to take your child out of school for financial reasons,” Hill says. “But my own experience has been that there have been years when school fees have not been a problem to pay and years when they have been much more of a struggle.” People need more flexibility, he argues.

Under Secta Finance’s Flexiplan, borrowers can arrange loans worth up to 75% of the value of their homes. Where they have existing mortgages, this ratio is reduced by the amount still secured against this first-charge product. Someone in a home valued at £600,000 with mortgage debt of £300,000 outstanding, for example, would be able to apply for lending worth up to £150,000.
Having agreed the facility, provided by a panel of lenders appointed by Secta, the borrower does not have to draw down any money at all until they need it to pay fees – and can then make withdrawals over time as required. Secta charges an arrangement fee of £795, but borrowers only pay interest on funds advanced. Hill believes he can keep the rate on the debt below 4%.
That is more expensive than the cheapest residential mortgages – lenders levy a premium for second-charge loans where a first charge lender is higher in the repayment pecking order. That does mean that for some parents, a remortgage may be a cheaper option. Secta also offers an Advanced product, providing a lump sum for borrowers unable to remortgage rather than a drawdown facility. The potential advantage of these approaches, Hill explains, is that some schools offer discounts when parents pay significant amounts of their fees upfront. The discount may be worth more than the interest savings that the drawdown approach offers.
These nuances point to another issue that concerns Hill about the school fees finance market. “One problem in this marketplace is that parents often don’t understand the different options available to them,” he warns, with Secta also offering financial advice to parents unsure of their best options. “People need more opportunity to discuss what is possible.”
As well as reducing the upfront cost of school fees for families struggling to self-fund, Hill believes Secta Finance’s innovative approach could help families rethink the way they plan their finances. “Many families make sacrifices to pay school fees and then see their disposable incomes rebound once their children’s education is over,” he says. “They might actually prefer to have more disposable income when they’re still financially responsible for their children, repaying the cost of fees later on when their outgoings are lower.”
Hill believes Secta Finance’s innovation will evolve over time – and that schools may also want to engage. “We are creating opportunities for parents, for schools and for children,” he says. “Our strategic aim is to expand the opportunity of private education to many more families and enable a sustainable relationship for parents and schools through the products that we offer.”