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The Gamification of Investing




“The Emeritus Wealth Team pictured at the Rutgers Cancer Institute of NJ after donating over $15K to Cancer Research with their proceeds from their annual charity golf outing.”

As the global pandemic forced us inside and online, it also had some interesting side effects.  Being unable to spend our time on the pre-pandemic activities we were used to, people began turning their attention and focus to other at-home activities. Some took up DIY home renovations, others tried their hand at the culinary arts, but many began dipping their toes into the world of investing.

With easy access to online investing platforms such as  Robinhood, Acorns, Coinbase and more, investing became a part of everyday life for many. Wake up, put the coffee pot on, turn on your favorite investment channel and check your stock trading app. This seemed to be the daily routine for both greenhorn and seasoned investors alike.

Armed with freshly minted pandemic checks from Uncle Sam, it was time to start chasing those returns. When the stock market was down 30% during the height of the coronavirus, Robinhood opened nearly 3 million new accounts—and half of those accounts were opened by first-time investors.

Turning to online forums and word of mouth, the American public was infatuated with capturing the riches that the markets have to offer. It started with looking at companies that were fundamentally sound, but may have gotten caught up in the pandemic panic selling. Somewhere along the line, things changed.

Today’s online financial “gurus”, Tik Tokers and crypto fanatics have taken over the internet. The influence these talking heads have not only on the psychology of their followers, but on the markets themselves was unprecedented.

But at what risk?

Newer investors should be careful (the term “investor” is used very loosely here). No one should rely solely on a 30-second video to determine which stocks, funds, or index are best to invest in. Adding to market risk, there needs to be consideration when it comes to taxes, business risk of individual stocks, and other systematic risks. For example, you just sold AMC for a gain of $15,000 in your brokerage account. Time to go buy that Tesla!

It’s time to pump the brakes. You could have triggered a short-term capital gain. Do you know how that is taxed? Is there a way for you to offset this? What’s the difference between a short-term gain and long-term gain? Will my exposure to market volatility impact this at all? When are the taxes due? What is the “wash sale” rule?

I guess Reddit didn’t explain this part to you. Don’t worry, keep reading, we have you covered.

What are the next steps?

Get educated, do your research and don’t be afraid to ask for help. The internet is an amazing tool, but when looking for investment advice, every investor’s situation is so unique that you have to be careful what you are following on YouTube and Tik Tok. As a relatively new investor, it may benefit you to consult with a financial advisor to make sure you’re investing to meet your specific goals.

The right financial advisor understands the tax liabilities, risk levels and evaluations that come with investing. These are topics that shouldn’t be ignored when building a long-term investment strategy.

Working with a financial advisor means you won’t go into investing blind. You’ll have a stable strategy and feel secure in your financial future.

Invest the Right Way with Emeritus Wealth Group

The Emeritus Wealth Group, a financial advising and wealth management firm are licensed wealth managers with clients throughout the country.

Their passion stemmed from seeing many clients who were uneducated on how to build wealth. This led them to start Emeritus Wealth Group in 2019.

If you’re looking for financial advising and wealth management to protect your assets and build wealth, contact Emeritus Wealth Group.

Rosario is from New York and has worked with leading companies like Microsoft as a copy-writer in the past. Now he spends his time writing for readers of

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SamBoat Makes Waves in the US




The sharing economy’s massive popularity has led to the creation of blockbuster companies like Airbnb, VRBO, eBay, Uber, and Lyft, to name just a few. According to a report by Proficient Market Insights, the size of the sharing economy was $113 billion in 2021 and is predicted to reach $600 billion by 2027.

One of the newest companies to enter this space, SamBoat, now enables the owners of sailboats and motorboats to offer their vessels for rent. Because yachts are expensive to buyand maintain — in many cases, more expensive than purchasing and maintaining a home — yacht owners can offset some of their costs by listing their craft on the platform.

Those who may not be able to afford their own boat can still experience life on the water, however. No knowledge of boating is required, as many charters include the possibility of hiring a skipper.

The inspiration for SamBoat

When young French entrepreneurs Laurent Calando and Nicolas Cargou met, a friendship, as well as a new venture, was born. Cargou was an avid Airbnb user, and Calando had grown up sailing with his family. Throughout the course of their conversation, they realized that the sharing economy covered a lot of bases, but it didn’t include boating, which they were both passionate about.

The pair sensed an opportunity, which quickly led to action. In April 2014, they officially launched SamBoat in the Bordeaux region of France.

“SamBoat’s marketplace exploded in Europe over the next few years,” explains Robert Harrington, SamBoat’s US Country Manager. The company offers yachts throughout the Mediterranean, Aegean, and other popular travel destinations.

As evidence of the popularity of the boat-sharing model, SamBoat grew by over 70 percent in 2022. Since its founding, the company has enabled more than a million people to take to the seas. Now, the platform is rapidly expanding its listings throughout the US.

Where SamBoat operates in the US

SamBoat has already — albeit indirectly — served its American customers for quite some time, as American vacationers have often rented boats in Greece, France, Italy, or Spain through its platform. But now, the company is beginning to serve Americans on the other side of the Atlantic, right here at home.

SamBoat rentals are currently available in many American ports. The marketplace currently offers hundreds of boats just in the state of Florida, where the fleet extends up the Keys to West Palm Beach, and throughout the west coast, including Tampa, Clearwater, Naples, and Ft. Myers. SamBoat also has many boats in Chicago and Seattle, as well as throughout New England.

In the near future, the company will expand its offerings in San Diego and Los Angeles. SamBoat also plans to open in Lake Tahoe, Lake of the Ozarks, Lake Havasu, and Lake Champlain by mid-summer 2023. It also aims to have fleets available in Martha’s Vineyard and Nantucket by the same time.

“Our goal is to offer thousands of boats to rent throughout the United States by the end of the year,” Harrington says.

How SamBoat expands

SamBoat operates anywhere boat owners choose to list their craft for rent. “Just because the marketplace might not already have a whole regatta in a given port doesn’t mean it can’t or doesn’t operate there,” Harrington says. “Listings grow organically, cropping up wherever opportunity calls boat owners to take advantage of existing demand.”

For instance, while SamBoat only officially launched in the United States this past year, the platform was open to US-based boat owners and renters last year. From January 2022 compared to January 2023, the platform experienced a 500% increase in US-based business.

This means that, if you own a boat, you can bring SamBoat to your home port. All you have to do is go to SamBoat’s website, follow a few simple steps, upload photos of your boat along with its relevant details, and respond to rental inquiries.

“Now is the right time for boat owners to get in early and beat the rush,” Harrington says.

The secret to SamBoat’s success

American consumers have responded enthusiastically to SamBoat’s arrival for a number of reasons. First and foremost, the platform offers the very same boats as other companies, yet their prices are on average 10 percent cheaper.

The reason for this is simple: unlike most other yacht and boat rental services, SamBoat doesn’t charge its customers inflated “junk” fees.

In addition, SamBoat makes renting a yacht simple and easy. Generally speaking, other boat-sharing websites outsource customer service to the owners of the listed yachts. They will only answer the phone or attend to you if you are booking something of a high dollar amount, while the average boat rental costs under $1,000. This can lead to a very frustrating process for someone who has questions but can’t seem to get a response from a boat’s owner.

At SamBoat, however, a real human being answers every inquiry. “Sometimes, that person is me,” Harrington says. This makes it much easier for people to rent the perfect boat that will meet their individual needs.

SamBoat fulfills a long-awaited need for sailing and boating enthusiasts worldwide. With the arrival of SamBoat in the US, it’s an even more exciting time for Americans to participate in the sharing economy.

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