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35 YEARS OF REM: Putting spirituality first is good business – REM | Real Estate Magazine

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To mark 35 years of Real Estate Magazine, we’re sharing articles from past issues. This article appeared in issue #208 in October 2006. Susan Doran still contributes to REM.
“Do you know what the headline for this article will be?” asks real estate broker Sunny Daljit during our interview. “It won’t be ‘The monk who sells real estate’ will it?”
I assure him that that headline is unlikely—although the truth is REM’s editor has pointedly asked me to get the lowdown on this monk business.
Daljit, who is now CEO/team leader for Keller Williams Ottawa Realty (KWOR), woke up one morning about 15 years ago to the realization that he wasn’t happy.
“I had a mid-life crisis at 24,” says Daljit, now 39.
He had gone into real estate in Ottawa against the wishes of his East Indian parents, who were eager for him to be a doctor, lawyer, or some other type of professional. (This despite the fact his mother is a Realtor herself. His retired father was a director with Agriculture Canada, which used to prompt Daljit’s mother to remark that he was an expert on the sex life of corn.)
Daljit soothed his parents’ fears by making a success of himself—in fact, becoming a top producer—in the real estate offices where he worked.
“I was living out what people said you should,” he says. But he wasn’t fulfilled. So he changed his lifestyle, became a vegetarian, and read a lot of books on spirituality.
Eventually, he took a leadership course offered by an India-based non-profit spiritual organization. Inspired, he took a three-year leave of absence from real estate and moved to India, where he trained with the organization, became a teacher, and eventually, a sannyasin, which he explains is essentially a monk.
He renounced all material wealth, selling off his property back home and donating the proceeds to charity, mainly to assist with village development in India, the chief cause of the organization he was with. He travelled from village to village, teaching and doing humanitarian work. But he began to feel there was an element of escapism to it all.
Near the end, he was in meditation in a monastery and didn’t speak for 60 days.
He felt increasingly cut off from day-to-day life. Then he read the book Jonathan Livingston Seagull and—identifying with the theme that teaching others is more beneficial than disconnecting from them—he moved back to Ottawa with hopes of finding ways to make business less soulless.
He started Centre Path, a consulting company focusing on spirit values and leadership in the workplace. “I thought if you could transform business, you could improve the world,” he says.
He got an MBA and moved to Toronto for a three-year stint as national director for a Royal LePage customer service platform before he was finally offered a job that truly fit his personal philosophy.
The life-changing phone call came in 2004 from Jeff Hooper, principal owner of the Keller Williams Ottawa office, which had opened in 2001 but was in need of some restructuring.
After looking into the company and liking what he saw, Daljit moved back to his hometown of Ottawa along with his family. He initially joined KWOR as a temporary consultant. But he wound up a partner after spearheading successful major changes that helped propel the company to its current position as one of Ottawa’s top-10 fastest-growing companies and one of the best workplaces in Canada (according to *Canadian Business* magazine). As well, the *Ottawa Business Journal* recently recognized Daljit as one of the Top 40 under 40 CEOs.
Well-known in the United States (Real Trends magazine ranks it as the fourth largest real estate company in North America), the Keller Williams franchise is not as recognized here, although the company has made remarkable strides. It now has 12 Canadian offices. When Daljit came on board, there were only two.
KWOR is the number one Keller Williams office in Canada, he says. It currently grosses more than $16-million in revenues, and has about 600 listings and 160 agents, with plans to double the number of salespeople within three years.
What Daljit immediately liked about Keller Williams was the depth of thought that has gone into its philosophy and business model.
“The fact that the company puts family and spirituality ahead of work was a main driver for me,” he says. “It’s a holistic way of thinking. There’s a sense of meaning and purpose. You’re not on a treadmill.”
That’s apparent from the fact that associates automatically have a portion of their commissions put into a charity fund. Daljit is proud to have been instrumental in ensuring that that money goes to under-funded charities that “are not on the radar screen.”
Raising the company’s profile should be a byproduct of charity work, not the goal, he says.
As it turns out, another byproduct of “making people better and more self-actualized is that they actually make more money too,” he says. He’s hopeful that the company’s innovative approaches to training, compensation, and technology, and its focus on teamwork and respect for the individual, point business in a new direction. Through a council of top producers, Realtors share in decision-making. And 50 percent of brokerage profits are also shared, via a bonus system for agents who refer new Realtors to the office.
“This gives all agents a vested interest in helping each other,” says Daljit, because the higher the company profits, the bigger the referral bonuses. The company’s compensation package is good as well.
KWOR also invests in cutting-edge technology, including an integrated messaging system that allows Realtors to have easy access to all types of communications and information. And the office itself is plush so that Realtors have an outstanding work environment. It also has an in-house mortgage service and client service network.
For Daljit, the system works.
“This is the first time I can say that my business and personal life are in balance,” he says. “We’re all making a difference in the world whatever way we feel called to.”
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Susan Doran is a Toronto-based freelance writer who has been contributing to REM since its very first issue.






BY Andrew Fogliato Dec 20,2024
BY Fred Cassano Dec 20,2024
BY Susan Doran Dec 20,2024
BY James R.G. Cook Dec 19,2024
REM (Real Estate Magazine) is Canada’s premier magazine for real estate professionals. REALTORS®, real estate agents, sales representatives, brokers, owners, administrators, and other real estate industry stakeholders read REM for news, analysis, and commentary on Canadian real estate. REM is independently owned and operated, and is not affiliated with any real estate association or board.
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AI and Cyber Security Dominate ASEAN Enterprises' Digital Transformation Priorities – PR Newswire

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Investments in AI surge, but challenges in data quality and cyber security readiness persists
SINGAPORE, Dec. 20, 2024 /PRNewswire/ — As ASEAN enterprises dive deeper into digital transformation, artificial intelligence (AI) has emerged as the crown jewel of technology investments. What does this mean? Well, according to the 2024/2025 ASEAN Enterprise Innovation Market Overview AI has surged to the forefront as the leading investment priority. Insights from over 900 ASEAN business and technology leaders across diverse industries reveal that 75% of businesses plan significant AI investments within the next two years – a leap from just 34% in 2020.

But while the race to adopt AI is accelerating, it’s not all smooth sailing. Data quality and availability remain stubborn roadblocks, cited by nearly 78% of respondents as the biggest hurdle to unlocking AI’s potential.
It’s a complicated relationship status: while AI ambition skyrockets, the groundwork for its success is still a work in progress.
Cyber Security: Rising Threats, Growing Budget
As the digital landscape evolves, so do the threats. ASEAN governments are stepping up their game with stringent regulations, such as Malaysia’s Cyber Security Act this year and Vietnam’s Personal Data Protection Act, pushing enterprises to bolster their defences.
Some of the pressures cited include Phishing and Social Engineering attacks (42.9% of respondents), followed closely by malware and ransomware, and not to mention a glaring shortage of skilled cybersecurity talent.
Yet, many businesses seem to be caught in a budgetary bind. While 25.5% of respondents believe ‘more than 15% of IT budget’ should be devoted to cyber security, only 5.9% of respondents are making such allocations.
The result? A widening gap between the security measures organisations know they need and what they’re actually implementing.
ASEAN’s Digital Transformation: Opportunities and Challenges
Beyond AI and cyber security, the report shines a spotlight on how digital technologies are becoming key allies in addressing Environmental, Social, and Governance (ESG) goals.
Over half of ASEAN enterprises see digital tools as essential to tackling these challenges, underlining a growing alignment between innovation and sustainability.
But hurdles remain. Legacy IT systems and organisational silos still hold back progress, with 41% of businesses identifying these as significant barriers to digital transformation.
What’s Next for ASEAN Enterprises?
To keep pace with the region’s rapid digital transformation, ASEAN enterprises are also focusing on emerging technologies beyond AI, including big data analytics, Internet of Things, and robotic process automation. However, challenges in talent acquisition, data readiness, and cyber security preparedness persist.
To thrive in this ever growing landscape, enterprises need more than just cutting edge tech. They require robust strategies that balance innovation with sustainability, data governance, and cyber resilience.
Explore exclusive country-specific insights and sector analyses in the AIBP ASEAN Enterprise Innovation Market Overview 2024/2025. Stay ahead in a dynamic market—register now for your access: https://www.aibp.sg/aibp-reports-2024
About the ASEAN Enterprise Innovation Market Overview Report
Since 2016, the ASEAN Enterprise Innovation Market Overview Report has served as an insight into how digital transformation is shaping the Southeast Asia region. Each year it gathers insights from hundreds of business and technology leaders from various industries, offering valuable perspectives on trends, challenges and progress in the digital space. The survey highlights key areas like investment focus, technology adoption and challenges across countries. The ASEAN Enterprise Innovation Market Overview is a useful resource for business leaders, policy makers and innovators who want to understand the region’s digital growth and make informed choices.
About ASEAN Innovation Business Platform (AIBP)
AIBP serves as an avenue for public and private organisations in Southeast Asia to access information about enterprise growth and innovation. With a current network of over 30,000 stakeholders in Southeast Asia, AIBP continues to develop ecosystems by engaging in activities which create value-adding information for our stakeholders seeking to make transformative impacts within their organisations. For additional information about AIBP, please visit www.aibp.sg
SOURCE ASEAN Innovation Business Platform (AIBP)
The annual ASEAN Innovation Business Platform (AIBP) Enterprise Innovation Awards received 113 submissions from public and private organisations…
The annual ASEAN Innovation Business Platform (AIBP) Enterprise Innovation Awards received 113 submissions from public and private organisations…
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Cutting-edge solutions to combat the global antimicrobial resistance threat – Innovation News Network

Antimicrobial resistance is one of the most pressing global health challenges of our time. It occurs when microorganisms – bacteria, fungi, viruses, and parasites – develop the ability to resist the drugs designed to kill them, rendering treatments ineffective and allowing infections to persist, spread, and become more severe.
The consequences of AMR are profound, threatening to reverse decades of medical progress. Without effective antimicrobials, procedures like surgeries, cancer treatments, and organ transplants become perilously risky.
This Special Focus Publication offers a comprehensive exploration of antimicrobial resistance, compiling insights from experts, case studies, and innovative strategies to tackle this urgent issue.
By shedding light on its causes, impacts, and potential solutions, it serves as a crucial resource for policymakers, researchers, healthcare professionals, and anyone invested in securing the future of global health.
This resource revolves around several pivotal themes that highlight the multifaceted nature of antimicrobial resistance:
Here’s what to expect:
Sequoia Vaccines is at the forefront of AMR prevention, leveraging cutting-edge science to develop novel vaccines. This article delves into their flagship programmes, including SEQ-400, a first-of-its-kind vaccine targeting multidrug-resistant urinary tract infections (UTIs). By reducing reliance on antibiotics, Sequoia’s innovations exemplify the transformative potential of vaccines in curbing AMR.
We hear from the World Health Organization, which outlines the urgent global measures needed to combat AMR. It highlights the socio-economic and public health repercussions of unchecked resistance and introduces the Global Action Plan on AMR, emphasising a One Health approach.
This article examines how QuantaMatrix is revolutionising clinical diagnostics with rapid testing solutions. Their innovative tools enable faster detection and treatment of drug-resistant infections, crucial for improving patient outcomes and reducing reliance on broad-spectrum antibiotics.
Candida auris, a fungal pathogen with high resistance rates, is explored in this feature. AvantGuards bio-inspired innovations – including Avantamine – showcase a promising path to controlling fungal outbreaks and reducing dependence on traditional antifungals.
The QURES Group introduces POSTABR®, a groundbreaking technology inspired by nature’s mechanisms for combating pathogens. This article underscores the potential for sustainable, non-toxic solutions to AMR challenges.
Focused on respiratory health, Vast Therapeutics highlights ALX1, a nitric oxide-based treatment designed to eradicate Pseudomonas aeruginosa. This innovation addresses unmet needs in cystic fibrosis and other chronic lung conditions.
This article explores NIMBUS and Stay-Fresh, two eco-friendly antimicrobial platforms developed by Quick-Med Technologies. Their applications in wound care and textiles demonstrate the potential for sustainable solutions in reducing AMR.
A conversation with Dr Morgan Jeannin from the World Organisation for Animal Health illustrates the interconnectedness of human, animal, and environmental health. The article emphasises actionable steps for reducing AMR in agricultural and veterinary contexts.
QSM Diagnostics explores how thoughtful diagnostic testing can extend the efficacy of existing antimicrobial medications. This article highlights their advanced tools for frequent and precise testing, particularly in veterinary care, to prevent misuse and preserve the effectiveness of antimicrobials.
Antimicrobial resistance is not a distant threat; it is a crisis unfolding now. Addressing it requires coordinated global efforts, innovative technologies, and a shift in how antimicrobials are perceived and utilised.
This Special focus Publication aims to inform and inspire action, equipping readers with the knowledge and insights needed to contribute to the fight against AMR.
Together, we can preserve the efficacy of antimicrobials and secure a healthier future for generations to come.
Innovation News Network brings you the latest research and innovation news from the fields of science, environment, energy, critical raw materials, technology, and electric vehicles.
Disclaimer: This website is an independent portal and is not responsible for the content of external sites.
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High Limit Racing releases 2025 schedule; Season begins March 13 – The Union

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Brad Sweet’s High Limit Racing, released their 2025 schedule. Season begins March 13.

Brad Sweet’s High Limit Racing, released their 2025 schedule. Season begins March 13.
High Limit Racing, owned by Grass Valley native Brad Sweet and Elk Grove native Kyle Larson, has unveiled its unique 2025 racing schedule. This one-of-a-kind schedule boasts 61 races at 36 different venues across 20 states, promising an exhilarating and diverse racing experience.
High Limit Racing starts on Thursday, March 13, at The Dirt Track at Las Vegas Motor Speedway in Las Vegas, Nevada.
Notably, the schedule includes three major events with six-figure paydays. These are the Joker’s Jackpot at Eldora Speedway in Rossburg, Ohio, on July 16-17, the 71st Gold Cup Race of Champions at Silver Dollar Speedway in Chico, California on August 21-23, and the Skagit Nationals at Skagit Speedway in Burlington, Washington on August 28-30. These high-stakes races are sure to draw a large and enthusiastic crowd.
According to highlimitracing.com, the All-In Championship Weekend, which serves as the grand finale of the High Rollers’ campaign, will be hosted at Fort Worth’s Texas Motor Speedway Dirt Track on Friday and Saturday, October 17-18. This thrilling event is not to be missed.
Other events include the Diamond Classic at Lucas Oil Speedway in Wheatland, Missouri, the Don Martin Memorial Silver Cup and Commonwealth Clash at Lernerville Speedway in Sarver, Pennsylvania, the Kentucky Sprint Nationals at Florence Speedway in Union, Kentucky, the 4-Crown Nationals at Eldora Speedway, and the Heartland of America Showdown at Lakeside Speedway in Kansas City, Kansas.
2025 High Limit Racing Schedule
Day, Date — Track Name — Location
Thursday, March 13 – The Dirt Track at Las Vegas Motor Speedway – Las Vegas, Nev.
Saturday, March 15 – The Dirt Track at Las Vegas Motor Speedway – Las Vegas, Nev.
Wednesday, March 19 – Thunderbowl Raceway – Tulare, Calif.
Friday, March 21 – Bakersfield Speedway – Bakersfield, Calif.
Saturday, March 22 – Perris Auto Speedway – Perris, Calif.
Friday, March 28 – Central Arizona Speedway – Casa Grande, Ariz.
Saturday, March 29 – Central Arizona Speedway – Casa Grande, Ariz.
Tuesday, April 1 – Vado Speedway Park – Vado, N.M.
Friday, April 4 – Route 66 Motor Speedway – Amarillo, Texas
Saturday, April 5 – Dodge City Raceway Park – Dodge City, Kan.
Thursday, May 1 – Texas Motor Speedway Dirt Track – Fort Worth, Texas
Saturday, May 3 – Texas Motor Speedway Dirt Track – Fort Worth, Texas
Friday, May 9 – Lakeside Speedway – Kansas City, Kan.
Saturday, May 10 – Tri-City Speedway – Granite City, Ill.
Friday, May 16 – Ransomville Speedway – Ransomville, N.Y.
Saturday, May 17 – Utica-Rome Speedway – Vernon, N.Y.
Friday, May 23 – Port Royal Speedway – Port Royal, Pa.
Saturday, May 24 – Port Royal Speedway – Port Royal, Pa.
Sunday, May 25 – Port Royal Speedway – Port Royal, Pa.
Friday, May 30 – Lawrenceburg Speedway – Lawrenceburg, Ind.
Saturday, May 31 – Butler Motor Speedway – Quincy, Mich.
Friday, June 27 – Lucas Oil Speedway – Wheatland, Mo.
Saturday, June 28 – Lucas Oil Speedway – Wheatland, Mo.
Friday, July 11 – Florence Speedway – Union, Ky.
Saturday, July 12 – Florence Speedway – Union, Ky.
Wednesday, July 16 – Eldora Speedway – Rossburg, Ohio
Thursday, July 17 – Eldora Speedway – Rossburg, Ohio
Thursday, August 14 – Thunderbowl Raceway – Tulare, Calif.
Friday, August 15 – TBD – California
Saturday, August 16 – Placerville Speedway – Placerville, Calif.
Thursday, August 21 – Silver Dollar Speedway – Chico, Calif.
Friday, August 22 – Silver Dollar Speedway – Chico, Calif.
Saturday, August 23 – Silver Dollar Speedway – Chico, Calif.
Monday, August 25 – Douglas County Dirtrack – Roseburg, Ore.
Thursday, August 28 – Skagit Speedway – Burlington, Wash.
Friday, August 29 – Skagit Speedway – Burlington, Wash.
Saturday, August 30 – Skagit Speedway – Burlington, Wash.
Thursday, September 4 – Port Royal Speedway – Port Royal, Pa.
Friday, September 5 – Port Royal Speedway – Port Royal, Pa.
Saturday, September 6 – Port Royal Speedway – Port Royal, Pa.
Friday, September 12 – Lernerville Speedway – Sarver, Pa.
Saturday, September 13 – Lernerville Speedway – Sarver, Pa.
Friday, September 19 – Eldora Speedway – Rossburg, Ohio
Saturday, September 20 – Eldora Speedway – Rossburg, Ohio
Saturday, September 27 – Bridgeport Motorsports Park — Swedesboro, N.J.
Sunday, September 28 – Path Valley Speedway Park — Spring Run, Pa.
Friday, October 10 – Lakeside Speedway – Kansas City, Kan.
Saturday, October 11 – Lakeside Speedway– Kansas City, Kan.
Wednesday, October 15 – Lucas Oil Speedway – Wheatland, M
Friday, October 17 – Texas Motor Speedway Dirt Track – Fort Worth, Texas
Saturday, October 18 – Texas Motor Speedway Dirt Track – Fort Worth, Texas
To contact Sports Reporter LaMarr Fields email lfields@theunion.com.

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Omar Lulu gets bail in rape case; prima facie consensual relationship, says Kerala HC – Onmanorama

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Published: December 20 , 2024 03:21 PM IST
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Kochi: The Kerala High Court on Friday granted bail to Malayalam movie director Omar Lulu in connection with a rape case. Justice P V Kunhikrishnan, in his ruling, noted that prima facie, the relationship between the director and the complainant appeared to be consensual. However, the court added that the investigating officer may continue the investigation into the matter, reported LiveLaw.
"I don’t want to make any observations about the merits of the case because an investigation is ongoing. But, prima facie I am of the opinion that it was a consensual relationship between the parties. But I make it clear that the investigating officer is free to investigate the matter and collect materials. But this is a fit case in which the petitioner is to be released on bail invoking the powers under Section 438 of Criminal Procedure Code," the Justice said.
Omar Lulu was booked under Section 376 of IPC based on the complaint given by the victim. He denied the allegations, saying that they were in a consensual relationship. The director presented proof of their stay in various hotels in and around Kochi. He showed that both of their ID cards were used to get a room in one of the hotels.
A young Malayalam actor lodged a sexual harassment complaint against Lulu, alleging that he raped her multiple times after promising her a role in a film. The statement was recorded by the Nedumbassery police. 
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Cheap Altcoins Priced Under $1 Set For Major Breakouts In 2025: Kaspa, Stellar, Rollblock, Tron and Hedara | – Bitcoinist

Investors seeking affordable yet promising cryptocurrencies are turning their attention to five standout altcoins priced under $1, each poised for explosive growth in 2025. Kaspa, Stellar, Rollblock, TRON, and Hedera offer innovative solutions and strong use cases, making them top contenders for significant breakouts. These low-cost coins combine cutting-edge technology with high growth potential, attracting savvy traders eager to capitalize on the next crypto surge. Discover why these altcoins are worth adding to your portfolio.
Rollblock is emerging as a top investment opportunity for traders seeking up to 100x returns in early 2025. Combining the best features of centralized and decentralized gaming, Rollblock operates on its Ethereum-backed ecosystem, drawing significant investments from Bitcoin whales during Stage 9 of its presale. Analysts predict up to 880% returns for early investors before the token officially launches on the open market.
Traders are excited about Rollblock because it prioritizes trust and transparency. Unlike traditional iGaming platforms, Rollblock ensures secure and fair gameplay through Ethereum-backed encryption. Every transaction is recorded on the blockchain, ensuring users’ data is protected from third-party interference.
Rollblock also rewards its investors through a revenue-sharing model. Traders who provide liquidity can earn weekly passive income with staking rewards of up to 30% APY. This mechanism, combined with a buyback and burn system, is expected to cause a deflationary effect on the $RBLK token, increasing its value over time. Each week, a portion of Rollblock’s profits will repurchase $RBLK tokens, with 60% permanently destroyed and the remainder supporting the staking community.
Kaspa (KAS) continues to gain attention as a high-performance Layer-1 blockchain, using its innovative blockDAG architecture to enhance scalability and speed. Over the past month, Kaspa has risen by 2.8%, reaching a price of $0.15. The token shows strong momentum, backed by institutional interest and positive short-term chart indicators.
Analyst Alex Clay recently tweeted about a potential 5x breakout for Kaspa after 371 days of accumulation. The analyst outlined price targets for traders to watch for Kaspa, including $0.280430, $0.395145, and $0.511035. Chart analysis confirms this optimism with a healthy upward trendline that will probably offer support for Kaspa in the long term.
Stellar has seen a 30-day price increase of 140.98% because of the Bitcoin rally. Analysts believe this upward momentum isn’t over. EGRAG CRYPTO, a prominent analyst, notes that Stellar’s current price movement resembles its explosive rise in 2020 when it broke above its EMA and surged by 3,100%. EGRAG predicts that Stellar could rally by 360%, reaching $2.27 in the coming weeks.
Currently trading at $0.4524, Stellar has seen a 0.99% increase during the day. The altcoin’s trading volume has risen by 46.15%, indicating a potential shift in market control to buyers. With Stellar’s RSI remaining neutral, analysts think there’s still time to grow before Q4 ends as Bitcoin will continue to trade above $100k.
TRON’s price suffered a correction following a 100% rally last week. The surge occurred after the introduction of martial law in South Korea pushed investors away from centralized markets. As one of the largest decentralized exchange platforms, TRON became a primary choice for these investors.
However, the rally quickly reversed as the political situation in South Korea calmed. TRON dropped 35% this week and now shows less than 30% net growth from its previous rally. The altcoin has been losing value since reaching an all-time high of $0.42 in early December.
Despite this, TRON recently saw a 1,900% increase in DeFi transaction volume. The token’s trading volume remains strong, with billions of dollars traded daily. However, these positive metrics haven’t been enough to offset the weak price performance. TRON is now trading around $0.25 and further price corrections could cause a sell-off.
Hedera’s price soared in the last few weeks, bringing its market cap to over $10.8 billion. But the token is currently below its 50-day moving average. Hedera’s price has jumped more than 800% since November 2024 though the price needs more aggressive investor interest.
Despite its innovative technology and partnerships with major players like Google and IBM, Hedera struggles to maintain its gains. By 2025, experts project Hedera to be worth $0.63 to $0.76. However, for now, Hedera’s growth is slowed by weakening sentiment and short-term resistance.
Kaspa, Stellar, Tron and Hedera are all top altcoins. However, none of these altcoins possess as many unique offerings as Rollblock. Rollblock’s GameFi model and revenue-sharing model are set to attract holders of Kaspa, Stellar, Tron, and Hedera in 2025.
The presale price of $0.0415 is expected to rise rapidly, as experts predict a 50x rally due to a potential supply crunch. Rollblock has also strengthened its credibility by updating its gaming license with Gaming Anjouan, further solidifying its potential to disrupt the gaming industry.
Discover the exciting opportunities of the Rollblock (RBLK) presale today!
Website: https://presale.rollblock.io/
Socials: https://linktr.ee/rollblockcasino
 
Disclaimer: This is a paid release. The statements, views and opinions expressed in this column are solely those of the content provider and do not necessarily represent those of Bitcoinist. Bitcoinist does not guarantee the accuracy or timeliness of information available in such content. Do your research and invest at your own risk.
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