Author: 1to90

Tennessee (0-4) brings a four-game losing streak into a matchup with Arizona (2-2) on Sunday, October 5, 2025 at State Farm Stadium. The Cardinals are notable favorites in this one, with the spread posted at 7.5 points. The over/under is set at 41 in the outing.
The Titans lost to the Houston Texans, 26-0, in their most recent game.
The Titans’ Cameron Ward was 10-for-26 for 108 yards against the Texans, with no TDs and one INT.
Last time around, the Cardinals fell to the Seattle Seahawks, with 23-20 being the final score.
NFL odds courtesy of BetMGM Sportsbook. Odds updated Saturday at 5:20 p.m. ET. For a full list of sports betting odds, access USA TODAY Sports Betting Scores Odds Hub.
Our team of savvy editors independently handpicks all recommendations. If you purchase through our links, the USA Today Network may earn a commission. Prices were accurate at the time of publication but may change.
Gambling involves risk. Please only gamble with funds that you can comfortably afford to lose.  While we do our utmost to offer good advice and information we cannot be held responsible for any loss that may be incurred as a result of gambling.  We do our best to make sure all the information that we provide on this site is correct. However, from time to time mistakes will be made and we will not be held liable. Please check any stats or information if you are unsure how accurate they are. No guarantees are made with regards to results or financial gain. All forms of betting carry financial risk and it is up to the individual to make bets with or without the assistance of information provided on this site and we cannot be held responsible for any loss that may be incurred as a result of following the betting tips provided on this site.  Past performances do not guarantee success in the future and betting odds fluctuate from one minute to the next. The material contained on this site is intended to inform, entertain and educate the reader and in no way represents an inducement to gamble legally or illegally or any sort of professional advice.
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October 22, 2024 Gist Lovers Daily Travel and Scholarships Tips 0
New Zealand’s Straight to Residency program is providing a golden opportunity for skilled professionals seeking permanent residency in New Zealand
Through this initiative, qualified candidates can bypass lengthy visa processing times and fast-track their way to settling in New Zealand, contributing to its growing workforce. According to DAAD Scholarships, this program specifically targets skilled workers in high-demand sectors, offering them a simplified path to residency.
Professionals in designated Tier 1 occupations can apply for residency and benefit from competitive salaries while also having the option for their families to join them. The program aims to attract top talent, making it an attractive option for those seeking a stable career and life in New Zealand.
Keywords like New Zealand residency program, skilled professionals’ residency in New Zealand, and permanent residency New Zealand visa sponsorship will appeal to individuals exploring relocation opportunities through immigration.
High salaries and promising careers 
The Straight to Residency program targets professionals in various fields, offering substantial salaries that can range significantly based on the occupation.
For instance, reports relay that anesthetists can earn between NZD 250,000 and 400,000 annually, while cardiothoracic surgeons might see salaries soar above NZD 500,000.
Chemical engineers and civil engineers can also expect competitive earnings, with salaries ranging from NZD 70,000 to 150,000, depending on experience and qualifications.
The program, as noted, is designed to attract skilled individuals who can fill critical roles in our economy.
Eligibility and Application Process
Reports note that in order to qualify for the Straight to Residency program, applicants must possess specific educational credentials and experience relevant to their profession.
To elaborate, medical professionals must hold a recognized medical degree and appropriate registration with the Medical Council of New Zealand.
Also, engineers are typically required to have a degree in their field and may need to register with Engineering New Zealand.
Interested applicants are informed that the application process involves; 
The program simplifies the residency pathway, allowing families to settle together right from the start.
List of Tier 1 Professions 
Starting November 2024, according to the following 20 Tier 1 professions qualify for New Zealand’s Straight to Residency program:
1. Anesthetist
2. Cardiothoracic Surgeon
3. Chemical Engineer
4. Civil Engineer
5. Construction Project Manager
6. Dentist
7. Dermatologist
8. Electrical Engineer
9. General Practitioner
10. Gastroenterologist
11. Geotechnical Engineer
12. ICT Security Specialist
13. Internal Medicine Specialist
14. Medical Laboratory Scientist
15. Mental Health Nurse
16. Midwife
17. Neurologist
18. Obstetrician and Gynaecologist
19. Pediatrician
20. Psychiatrist
Benefits of moving to New Zealand 
Choosing to relocate to New Zealand not only offers financial benefits but also enhances the overall quality of life.
Reports give that the country is recognized for its safe communities, access to education, and stunning natural landscapes.
Professionals are encouraged to consider the long-term advantages of building a life in New Zealand, where they can achieve work-life balance and contribute to a thriving society.
For professionals looking to seize this opportunity, applications for the Straight to Residency program can be submitted online. More details on eligible professions and application guidelines are available at Immigration New Zealand

Copyright © 2025 Gistlover Media. All Rights Reserved

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MetaMask just dropped a bombshell, right? $30 million in rewards – that’s no small potatoes. But here’s the kicker: this isn’t just some promotional stunt. It might just be the future of crypto payroll systems, especially in Asia. By jumping on the blockchain bandwagon and incentivizing with stablecoins, they’re setting the bar for how payroll could work in the decentralized world. Here’s my take on what this means for crypto payroll and the industry at large.
These crypto payroll systems are starting to pop up everywhere. They could be the key to managing paychecks in places that don’t have a traditional banking setup. Think of them as a bridge, utilizing blockchain to ensure payment processes are secure, clear, and quick. And with stablecoins in the mix, semi-stable payment options become available. Say goodbye to the rollercoaster ride of paydays with traditional cryptocurrencies.
What’s really cool is that these systems could bring banking services to those who are unbanked. Especially in parts of Asia, many people can’t even get a bank account. Crypto payroll systems can swoop in, making payments accessible through smartphones and digital wallets. This could help boost local economies and provide much-needed resources to underserved communities.
MetaMask’s rewards program is a prime example of how to do this right. By using on-chain rewards distribution, they’ve made it so easier for users to engage. And they’re doing it with a clever combo of incentives tied to actual user actions. Now, if that doesn’t scream “payroll model,” I don’t know what does.
Employees could get rewarded for showing up and working hard, all while keeping that value stable with mUSD. Honestly, that’s the kind of paycheck you want to bring home.
If you’re on the hunt for a crypto payroll platform, here are some features that should matter:
Stablecoin Backup: Avoid the wild swings of crypto prices so workers get a straightforward paycheck.
Simple User Interfaces: Everyone loves a smooth claiming process, especially with an easy-to-use wallet interface.
Rewards Distribution: A reward system can motivate employees to stick around and keep them happy.
Cross-Border Capabilities: For the global players, making payroll work internationally is absolutely essential.
Regulatory Backing: You want to be on the right side of the law, long-term.
But hey, it’s not all sunshine and rainbows. There are some hiccups to watch out for:
Regulations: Figuring out how to comply with crypto regulations can give you a headache.
Managing Volatility: Even with stablecoins, things can get wild. You’ve gotta be ready for that.
Getting Employees Onboard: Getting people to switch to crypto payroll takes time and effort, especially when they’re used to the old-school way.
MetaMask’s $30 million rewards program isn’t just a marketing thing; it’s a game-changing approach to how pay can be delivered in this new era. With blockchain, stablecoins, and clever engagement strategies, crypto payroll might just be the key to opening doors for many businesses and freelancers. Sure, the demand for alternative income sources is rising. But especially in places where traditional banks don’t reach, maybe the future does look bright for crypto payroll.

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MetaMask's $30M rewards program could redefine crypto payroll systems in Asia, promoting financial inclusion and user engagement through innovative incentives.
Discover how crypto sportsbooks like Dexsport are revolutionizing UFC betting with transparency, instant payouts, and unique challenges in 2025.
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COLUMBIA, S.C. — Lottery officials are urging Palmetto Cash 5 players to check their tickets, especially if they recently purchased one in the Columbia area.
The South Carolina Education Lottery announced that someone purchased a jackpot ticket worth $160,000 at Simba Express #1, located at 2932 Alpine Road. The ticket from the Oct. 2 drawing matched all five numbers, beating odds of one in 850,668.
The winning numbers were 3-11-16-22-28. Winners have 180 days to claim their ticket and can get more information on the process at SCEducationLottery.com. Net proceeds from ticket sales are allocated toward education, prizes, retailer commissions, and payment of contractors for goods and services, officials said.

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Bitcoin’s long-standing four-year cycle, often linked to halving events, is driven not only by market fundamentals but also by human emotions. Saad Ahmed, the head of the APAC region at crypto exchange Gemini, believes that this cycle will likely continue in some form. According to Ahmed, the market will still experience cyclical patterns, shaped significantly by emotional investor behaviors like greed and fear.
The four-year cycle of Bitcoin has been a well-recognized pattern, but its driving forces go beyond just economic fundamentals. As Saad Ahmed explained, the market is largely influenced by emotional responses from investors. In particular, the excitement and fear triggered by price movements often amplify trends.
For instance, during a bull market, many investors may rush in due to FOMO (Fear of Missing Out), pushing the price even higher. Conversely, during a downturn, fear often leads to panic selling, exacerbating price drops.
While market cycles have typically mirrored Bitcoin’s halving events, Ahmed emphasizes that human behavior plays a crucial role. The repeated pattern of boom and bust is not solely due to supply and demand forces but is also the result of collective emotional reactions. According to the Gemini executive, the growing institutional involvement in cryptocurrency markets may help stabilize volatility but will not fully eliminate the cycles driven by human emotions.
Bitcoin’s halving events, which occur roughly every four years, reduce the mining reward by half, thus decreasing the supply of new Bitcoin entering the market. This reduction in supply is often followed by a surge in demand, pushing the price higher. Historically, Bitcoin’s price has seen significant increases following halving events, contributing to the four-year cycle.
As the cycle progresses, it moves through four key stages: accumulation, growth, peak, and correction. Each of these stages aligns with different phases of the halving cycle. However, Saad Ahmed suggests that the emotional aspect of the market adds a layer of complexity. While the halving impacts supply, it is the investor’s emotional reaction to these changes that ultimately drives price swings.
The debate over whether the four-year cycle will continue remains active in the crypto space. While some analysts believe that Bitcoin’s price may not follow the same trajectory as in previous cycles, Ahmed remains confident that the cycle will persist, albeit with possible variations. He acknowledged that the market has evolved with greater institutional participation, which could reduce volatility. However, emotional factors will likely still play a role in the market’s behavior.
Despite changes in the market, analysts such as Saad Ahmed and others argue that understanding Bitcoin’s emotional and cyclical nature will remain beneficial for investors. Recognizing when the market is overly optimistic or overly fearful can offer clues on when to enter or exit positions. Bitcoin’s price movements will continue to follow emotional patterns, even if these patterns are influenced by more sophisticated market participants over time.
As of October 2025, Bitcoin has been exhibiting strong growth, and many believe that it is approaching the peak of its current cycle. The surge in Bitcoin’s price over the past few weeks is consistent with patterns seen in previous cycles. The upcoming months will be critical in determining whether Bitcoin’s price continues to follow the historical pattern of reaching a peak and then correcting.
While the four-year cycle remains central to Bitcoin’s long-term price movement, experts caution that every cycle can differ. The increasing institutional interest in Bitcoin may lead to fewer sharp market fluctuations, but human emotional reactions are unlikely to fade completely. Therefore, the cycle will likely continue in some form, with emotional responses driving much of the price movement.
In summary, while Bitcoin’s four-year cycle may evolve as institutional influence grows, it remains largely shaped by human emotions. Investors should be mindful of how emotional responses to market conditions can influence price changes, helping them make more informed decisions in the ever-volatile crypto market.
Kelvin Munene is a crypto and finance journalist with over 5 years of experience in market analysis and expert commentary. He holds a Bachelor’s degree in Journalism and Actuarial Science from Mount Kenya University and is known for meticulous research in cryptocurrency, blockchain, and financial markets. His work has been featured in top publications including Coingape, Cryptobasic, MetaNews, Coinedition, and Analytics Insight. Kelvin specializes in uncovering emerging crypto trends and delivering data-driven analyses to help readers make informed decisions. Outside of work, he enjoys chess, traveling, and exploring new adventures.
TLDR Saad Ahmed confirms Bitcoin’s emotional-driven cycle will likely continue. Bitcoin’s four-year cycle is influenced…

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Many investors want to hold the cryptocurrencies bitcoin or ether without the hassle of holding the cryptocurrency, which can be lost or stolen. If so, they have a few fund options to consider: crypto trusts, strategy exchange-traded funds and spot ETFs.
Crypto trusts purchase and store the underlying digital assets, and then shares of the trust are traded on public exchanges akin to closed-end funds. Strategy ETFs, which cropped up before spot ETFs received regulatory approval, use futures and sometimes options on the crypto coin to gain exposure to its movement. And spot ETFs, which were launched in 2024, buy the underlying crypto coin at the prevailing, or spot, market price.
But which vehicle has performed best—that is, closest to the cryptocurrency itself?
Examining these various methods of buying into crypto, my research assistants (Lilia Benrabia and Seongjun Lee) and I find the clear winner for both bitcoin and ether are the spot ETFs. The clear loser: bitcoin and ether strategy ETFs, which have underperformed their underlying coin by a significant degree.
To explore this issue, we pulled all dollar-denominated bitcoin and ether crypto products available to U.S. investors going back to the start of 2024. We then organized these securities into three categories: trusts, strategy ETFs and spot ETFs.
Next, to compare each product to the underlying coin’s performance, we looked at the average return for the ETF or trust product and compared it against the spot return of the coin. We also calculated the average tracking error of each product by looking at the average monthly absolute difference between the coin’s return and the product’s return.

Bitcoin results

For bitcoin, we find that the spot ETFs performed the best when it comes to overall returns and do well at minimizing tracking error. For instance, the average spot ETF since the beginning of 2024 has delivered 6.85% a month, while the underlying bitcoin has delivered an average monthly return of 6.77%. This is an excess performance of 0.08 percentage point a month on average by the spot ETF. (While it might seem odd for the spot ETF to outperform the underlying coin, this may be due to timing techniques used by the ETF to minimize tracking error or the timing of investor purchases.)
Meanwhile, the average tracking error for bitcoin spot ETFs has been 0.88 percentage point a month. This means that if bitcoin itself delivers a 10% return in a given month, the average bitcoin spot ETF may deliver 10.88% or 9.12% on average in the same month (deviating from the coin’s return by 0.88 percentage point).
The worst performer: bitcoin strategy ETFs. On average, these ETFs delivered a monthly return of 6.28% over the same period, underperforming the coin itself by 0.49 percentage point a month on average. And their tracking error was the worst of the group, coming in at 1.24 percentage points a month.

Ether results

For ether, whose spot ETF products were launched in August 2024, we see a similar story. Ether spot ETFs averaged 4.17% monthly returns over the past year while the ether coin averaged 4.16% monthly returns. This leads to an outperformance of 0.01 percentage point a month.
As with bitcoin, ether strategy ETFs were the worst performing, averaging a monthly return of 3.55% over the same period, an average monthly underperformance of 0.61 percentage point compared with the actual spot ether returns.
For both bitcoin and ether, crypto trusts perform comparably to crypto spot ETFs. And they do far better than strategy products in terms of tracking the underlying return but not quite as good as spot ETFs.
Ultimately, the results highlight that buying a spot bitcoin or ether ETF is almost as good as buying the underlying cryptocurrency directly.
Derek Horstmeyer is a professor of finance at Costello College of Business, George Mason University, in Fairfax, Va. He can be reached at reports@wsj.com.
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Written by
Aaryamann Shrivastava
Edited by
Mohammad Shahid
Pi Coin continues to struggle after its recent crash, with the altcoin unable to break free from its persistent downtrend. The cryptocurrency suffered heavy losses in recent weeks, driven by weak market momentum and declining investor confidence.
However, improving sentiment across the broader crypto market this week could offer Pi Coin a chance to recover.
The Chaikin Money Flow (CMF) indicator is currently showing a noticeable uptick, signaling rising inflows into Pi Coin. This trend suggests that investors are regaining confidence and injecting capital back into the asset.
Sustained inflows are essential for fueling upward price movement, particularly after prolonged selling pressure.
The improvement in CMF highlights that Pi Coin may be regaining traction among traders looking to buy the dip.
As new capital enters the market, it could provide the liquidity necessary to stabilize the price and initiate a steady rebound from current levels, provided momentum remains consistent.
Want more token insights like this? Sign up for Editor Harsh Notariya’s Daily Crypto Newsletter here.
On the technical front, the Moving Average Convergence Divergence (MACD) indicator points to a potential bullish crossover. The indicator line is nearing the signal line, and a crossover would confirm a shift toward positive momentum.
Historically, such movements have preceded recoveries for Pi Coin, signaling possible short-term strength.
If confirmed, this crossover could attract additional investor interest, reinforcing confidence in Pi Coin’s ability to recover. While the broader market’s volatility remains a risk, a sustained bullish signal from MACD would strengthen the case for gradual appreciation over the coming weeks.
At the time of writing, Pi Coin is trading at $0.259, just above the critical support level of $0.256. This zone has acted as a key foundation for the token, preventing further declines during recent market turbulence.
To fully recover from its 47% crash, Pi Coin must rally by approximately 38.8%. While this target remains ambitious, rising inflows and improving technical indicators could gradually push the token toward recovery if current conditions persist.
A sustained uptrend could help Pi Coin break through resistance levels at $0.271 and $0.286.
However, failure to maintain bullish momentum could send it below $0.256, with potential losses extending to $0.240, invalidating the current optimistic outlook.
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In line with the Trust Project guidelines, this price analysis article is for informational purposes only and should not be considered financial or investment advice. BeInCrypto is committed to accurate, unbiased reporting, but market conditions are subject to change without notice. Always conduct your own research and consult with a professional before making any financial decisions. Please note that our Terms and Conditions, Privacy Policy, and Disclaimers have been updated.

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Visualized: Stablecoin Market Size Forecast into 2030  Visual Capitalist
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Editor’s note: Field Notes is a series where we report on the ground from significant industry, research, and other events. In this edition, we round up quick team observations from Korea Blockchain Week (KBW) 2025, which took place September 22-28 in Seoul, Korea. The a16z crypto team was also present there last year, where founding general partner Chris Dixon spoke at the kickoff event and launched the Korean edition of Read Write Own (written up here by Korean news agency Yonhap).
Korea has massively modernized and grown its economy in previous decades, yielding a consumer base that’s digitally native and excited to adopt the latest technology. The country also currently hosts one of the largest centralized cryptocurrency exchanges (UPBit) in the world. Koreans don’t currently face capital gains taxes on crypto, which may incentivize higher trading volumes and speculation there, especially since gambling is illegal for Korean citizens. (One team member reported their Uber driver trading perps while stopped at a traffic light during KBW2025.)
S.Y. Lee 님, CEO and Co-founder of Story Protocol, pointed out at Origin Summit that, according to Kaiko, Korean Won is traded against crypto more than any other currency including the U.S. dollar:

[There’s even a phenomenon called the “kimchi premium” that refers to tokens trading on Korean exchanges at premium to other international exchanges due to the amount of demand.]
During KBW2025, Naver — South Korea’s largest internet portal — also announced its acquisition of UPbit (which was completed in a comprehensive stock swap between NAVER Financial and Dunamu, the operator of Upbit, as confirmed to Blockworks). This is one of several moves the exchange has been involved in towards becoming a superapp. They’re reportedly also exploring a stablecoin in the local currency, KRW.
Not only does Korea have a young, extremely online consumer base that fuels adoption of new tech products, but as summarized by S.Y. in his presentation, Korea has the 2nd most-paid ChatGPT subs in the world behind only the United States. And more broadly culturally, the country has: the #1 YouTube video of all time, #1 boyband, #1 rated movie, #1 most viral soundtrack, and #1 show on Netflix.
The intersection between the crypto industry and broader culture was reflected at Korea Blockchain Week, with k-pop stars, sports players, and others (including the directors of KPop Demon Hunters) attending events. Relative to other conferences, there were also lots of local attendees — not just the traveling crypto community attending conferences — at KBW2025.
Since Korea is very supportive of Korean-native businesses (c.f. the ubiquity of Naver over Google Maps), having a presence on the ground and making an effort to align with the local ecosystem is important to successfully launch products there.
Founders will need to come in person to Korea for business development as well given the focus on local culture and connections. There is also less talk about the technology behind the underlying protocols — and more focus on legitimacy coming from partnerships and local product launches.
It’s also worth emphasizing that more traditional marketing is important in Korea since so few users are directly onchain currently. There are clearly many Koreans interested in crypto, spanning age ranges and genders; but many women also control the family finances, and aren’t on Crypto Twitter.
On the marketing front, giveaways — swag, collectibles, tokens, etc. — are tremendously popular in Korea. Every booth at KBW2025 was oriented around a giveaway or raffle, and attendees all very patiently queued for these. Korean crypto users similarly expect airdrops.
Founders have a great opportunity to spend time in Korea, get to know the culture and consumers, and make their products available there. We are also supporting our portfolio companies to expand in Asia through regional partnerships and community development.
***
The views expressed here are those of the individual AH Capital Management, L.L.C. (“a16z”) personnel quoted and are not the views of a16z or its affiliates. Certain information contained in here has been obtained from third-party sources, including from portfolio companies of funds managed by a16z. While taken from sources believed to be reliable, a16z has not independently verified such information and makes no representations about the current or enduring accuracy of the information or its appropriateness for a given situation. In addition, this content may include third-party advertisements; a16z has not reviewed such advertisements and does not endorse any advertising content contained therein.
The views expressed here are those of the individual AH Capital Management, L.L.C. (“a16z”) personnel quoted and are not the views of a16z or its affiliates. Certain information contained in here has been obtained from third-party sources, including from portfolio companies of funds managed by a16z. While taken from sources believed to be reliable, a16z has not independently verified such information and makes no representations about the current or enduring accuracy of the information or its appropriateness for a given situation. In addition, this content may include third-party advertisements; a16z has not reviewed such advertisements and does not endorse any advertising content contained therein.
You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. Furthermore, this content is not directed at nor intended for use by any investors or prospective investors, and may not under any circumstances be relied upon when making a decision to invest in any fund managed by a16z. (An offering to invest in an a16z fund will be made only by the private placement memorandum, subscription agreement, and other relevant documentation of any such fund and should be read in their entirety.) Any investments or portfolio companies mentioned, referred to, or described are not representative of all investments in vehicles managed by a16z, and there can be no assurance that the investments will be profitable or that other investments made in the future will have similar characteristics or results. A list of investments made by funds managed by Andreessen Horowitz (excluding investments for which the issuer has not provided permission for a16z to disclose publicly as well as unannounced investments in publicly traded digital assets) is available at https://a16z.com/investment-list/.
The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see https://a16z.com/disclosures/ for additional important information. 

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1. NASCAR at Charlotte Roval: Key info, links, results for race weekend  NASCAR.com
2. NASCAR Cup Series at Charlotte Road Course odds, predictions for playoff elimination race  The New York Times
3. 2025 NASCAR Cup Series Playoffs: How to watch the Bank of America ROVAL 400, channel, streaming info and more  Yahoo Sports
4. NASCAR Saturday schedule at Charlotte Roval  NBC Sports
5. NASCAR Cup qualifying today: Kyle Larson earns fourth spot in starting lineup for Charlotte ROVAL  Hendrick Motorsports

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