Tuesday, October 18, 2022

TOP 3 !! Best Cricket Captains of ALL TIME ?!

3. RICKY PONTING

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Experience: 2002-12
Country: Australia
Career stats in Tests: 77 matches, 48 wins, 16 losses, 13 draws, 62.33 win percentage
Career stats in ODIs: 230 matches, 165 wins, 51 losses, 2 ties, 76.14 win percentage

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With a staggering 76.14 winning percentage while leading Australia in ODIs, Ricky Ponting captained the team 230 times, a world record. His back-to-back World Cup victories in 2003 and 2007 rank as his best ODI performance.
Graeme Smith (53 wins) had the most Test victories (48), but he had 32 fewer leads. Australia won 16 straight games under his direction from December 26, 2005, to January 2, 2008.
He always took the bat first in his role as captain. He set a record for ODI runs scored (8,497) with an average of 42.91. With 6,542 runs at an average of 51.51 in the longest format, he is third on the list.

2. CLIVE LLOYD


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Experience: 1974 -85

Country: West Indies

Career stats in Tests: 74 matches, 36 wins, 12 losses, 26 draws, 48.64 win percentage
Career stats in ODIs: 84 matches, 64 wins, 18 losses, 1 tie, 77.71 win percentage

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West Indies dominated international cricket in the late 1970s and early 1980s, and Clive Lloyd served as their captain.
In 1975 and 1979, he was the captain who guided West Indies to World Cup victories. He took the initiative and scored an 85-ball 102 in the 1975 competition's finale. Additionally, he took them to the 1983 World Cup final, where they lost to India and finished as the runners-up.
He had the best ODI winning percentage with a startling 77.71 percent (with a minimum of 30 ODIs). Despite not having the same test results, he only lost 16.21% of his tests, which ranks third best behind Steve Waugh (minimum of 30 Tests).

1. STEVE WAUGH



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Experience: 1997-2004

Country: Australia

Career stats in Tests: 57 matches, 41 wins, 9 losses, 7 draws, 71.92 win percentage

Career stats in ODIs: 106 matches, 67 wins, 35 losses, 3 ties, 65.23 win percentage


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The best captain of the modern era is probably Steve Waugh. With a record winning percentage of 71.92 in 57 games as Australia's captain, he won 41 Tests. From Oct. 14, 1999, to Feb. 27, 2001, he steered the Kangaroos to a string of 16 victories in a row.

The World Cup was won by Waugh's Australian team in 1999, and his 120 against South Africa during the Super Sixes stage is regarded as one of the greatest World Cup strikes ever.

Given how competitive teams were back then and how slim the margin for error was, his win percentage in ODIs, 65.23, is incredibly impressive.

Tuesday, August 2, 2022

HOW TO MAKE SMART INVESTMENTS TO AVOID LOSING


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In this ultra-modern era, two times as much money is needed to construct the future. One of them had money in investments. Many people are concerned that investing may cause them to lose money because it requires a considerable quantity of resources. despite the fact that many investment instruments have low capital requirements. The frustration is only heightened by the fact that investing is challenging and requires specialised knowledge. However, investment will be straightforward if we regularly study or collaborate. We have the option to make good investments. Therefore, it is essential that we always conduct study and acquire data before starting any type of investing.

A person can achieve their financial objectives via investing, in fact. You can invest in a variety of ways to make the most of your money, but we all know that we won't always make more money just by investing, don't we? Of course there will be hazards if we risk our money to grow. You need not, however, be concerned. You can become a successful investor if you learn the ropes and start out the proper way. Check out the below-discussed safe and discrete investment options.


DECIDE ON THE BEST INVESTMENT PLATFORM


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It's like planting a tree to invest. Do a lot of research to identify the best investment platform for beginners. Avoid choosing the wrong strategy because it will be very costly to you.

Instead of waiting until you are established before investing, learn how to invest properly at all times and use that knowledge to invest to get established. As soon as you can, invest for that. Do it right away if you're older. Your intentions and investing goals must be established, though. Long-term advancements are being made with the intention of achieving financial independence for you as you age.


DEVELOPE THE RIGHT MENTALITY


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Being upbeat, persistent, and unafraid of taking chances. Develop that frame of mind before beginning. A person's success is influenced by a variety of factors, including their mindset in addition to their hard work, experience, talents, networks, and other factors. mainly because daily behaviours and habits are influenced by attitude. 80 percent of a person's influence comes from their thinking, whereas 20 percent comes from their expertise. Success is significantly influenced by mindset. Some individuals believe that investment is a fast path to wealth. Someone who has a different perspective will produce different results than someone who does the same thing. For success, it is essential to understand a few mindsets that can alter your behaviour and actions for the better.


TAKE INFLATION SERIOUSLY


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This method of investing needs to be avoided. Your investment may lose purchasing power if you don't account for inflation when selecting a long-term investment opportunity.

One way for most people to keep up with inflation is to invest in stocks or mutual funds. You must keep in mind that stock values can change at any time. This is because equities are the riskiest form of investment. The returns over inflation, however, have been the highest and most reliable since the 1940s.


DIVVYING UP OWNED CAPITAL


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One of the things you need to pay attention to in order to succeed as a newbie investor is to diversify, or divide your wealth into a number of different assets. Diversification in the areas of gold, equities, and real estate is a typical example. Why is this step required? Because there are still assets that experience a profit, the objective is to prevent catastrophic failure if one asset experiences a loss. When a loss occurs, the burden is lighter.


MAKE THE BEST INVESTMENT DECISION


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Your financial situation and investment objectives must be taken into account while choosing this one. The stock market offers many different kinds of investments. Deposits, bonds, stocks, and other financial instruments. Each type has distinct benefits and drawbacks, as well as a variety of hazards. Stocks, mutual funds, bonds, and deposits come in order of risk category and highest imbalances. To invest, develop a more positive outlook and thoroughly research all aspects of investment. Attending an investing workshop with knowledgeable professionals is one of the finest methods for you to learn how to invest wisely.


START WITH A SMALL INVESTMENT FIRST


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Beginners can invest by beginning with a small sum of money in order to build their confidence. Pick assets that have done well over the past five to 10 years and are guaranteed. You can speak with your broker in more detail. For further reading, check out online stock developments or additional publications with advice for novice stock traders.


DON'T GO OVERBOARD


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Losing money is everyone's worst dread. With time, you will grow accustomed to the market circumstances. Maintain your composure as you deal with the situation, and try your best to avoid getting into debt. Too much investment, especially for beginners, will have an adverse effect on the mental and psychological health. Don't let things or investing advice that you don't necessarily believe is sound deceive you.


AVOID CONSTANT MONITORING


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Applying this will help you invest in a way that is secure and relaxing. Why? Because it happens far too often, keeping an eye on investment developments might make you anxious and afraid to make decisions. Basically, investing is done with the intention of accumulating wealth over the long run. Therefore, daily changes in your investing performance are less important. Therefore, keep an eye on your investment, perhaps once a month. Avoid letting your eagerness to study and adhere to the current investing methods force you to feel anxious and apprehensive.

When it comes to mutual funds, this technique of investing is comparable to buying stocks. The main distinction is that you merely need to entrust a reputable securities organisation with managing your stock investment. It is similar to saving money in a bank in that you do not actually invest in the bank but rather in a company that is seen to have promising futures. Therefore, the first thing to keep in mind while investing in mutual funds is that you need to be careful when selecting an investment manager to manage your investments.

While managing mutual fund projects, the trick is to consider their portfolio and reputation. However, you shouldn't rely solely on securities companies. In order to avoid compromising and to make wise investments, you must also be knowledgeable about the mutual fund products that are available.

In order to find profitable investing opportunities in the modern day, you must first be able to prioritize your goals. Together with all of your investment advice, establish priorities. Along with the advantages and risks you must consider, you also need a clear, thorough future plan. As a result, it is crucial to start learning how to set priorities.

You'll find it simpler to begin investing if you use the aforementioned investing strategies. Never forget that achieving success in investing requires gaining experience and expertise, as well as constant attention to the appropriate methods of investment. Time, commitment, and sacrifice required (money).

Sunday, July 31, 2022

5 TIPS TO IMPROVE YOUR HEALTH

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It's important to prioritise your own wellbeing, including your physical and mental wellness. Especially under the circumstances of today, the proverb that "health is everyone's wealth" is particularly true. Particularly, this pandemic has significantly impacted practically all aspects of a person's life, including physical and mental health. Your health needs to be your primary priority at all times, no matter what. To obtain good health, fortunately, there are many methods you can do.

The appropriate actions must be taken to enhance your health if you want to live a quality life. To do this, you must acquire some knowledge about practicing healthy eating, adhering to your diet plan, and engaging in regular exercise.


Additionally, you should learn certain tips that will help you make the best health-related decisions, the majority of these tips center on familiarizing yourself with the crucial elements of health improvement.


Good health is a prerequisite for wealth. Do you hold the same opinion? Although different people may see health differently, it is indisputable that excellent health is necessary for leading a quality life. Even though people frequently choose a variety of strategies to get good health.


This year, attempts to improve one's health are a hot topic in addition to being essential to living a quality life. Different tactics like prioritizing the proper diet and good eating habits should also be considered.


Here are some helpful hints to make sure you're in the best possible health:



1. Establish Healthy Routines


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You've probably heard it before, but maintaining good health requires that you make the correct decisions for your advantage. Recognizing your basic needs, such as rest and nutrition, and taking part in outdoor activities can significantly enhance your wellbeing overall. In a similar vein, taking good care of oneself aids in the enhancement of your mental health. Maintaining a healthy habit can also aid in lowering anxiety and enhancing mood and self-worth.


2. Obtain Enough Rest

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You can successfully do your daily duties if you get enough sleep each night. Try to sleep for seven to nine hours per night, if you can. You may also use the timer function on your phone to create a reminder to switch off all electronics before bed. Additionally, it might be quite beneficial for you to keep track of your bedtime routine. Next, select to listen to music to assist your body unwind instead of browsing through your smartphone apps, and go for stress-relieving activities like yoga, reading, or meditation.


3. Observe Good Eating Habits

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You should make eating fruits and vegetables a priority if you want to effectively enhance your health this year. It is a healthier alternative or complement to your diet that is also less expensive. Making ensuring you get the nutrients you need doesn't have to cost a lot of money.

You can obtain the vital vitamins and minerals your body needs through this approach as well. Additionally, they offer specific nutrients that support your dietary demands.

Other examples of good eating habits are:

Avoid fatty foods that cause cancer

One of the most important things you should focus on is avoiding eating too many fatty foods and sticking to foods rich in vitamins, minerals, and fibre if you want to successfully maintain a healthy eating regimen and have a healthy body.

Avoiding fatty foods should be your top focus when trying to alter your eating habits. Fatty meals have a big impact on your body, which can cause a variety of body imbalances and health issues like hypertension and obesity in addition to seriously harming your health.

Stay Hydrated

You may have heard this before, but an individual has to consume eight glasses of water per day to maintain basal metabolism. Additionally, you have been informed that drinking water helps you stay healthy. Additionally, maintaining appropriate hydration aids in controlling and maintaining body temperature. Drinking a lot of water each day should be a priority if you want to further enhance your health this year because it helps to regulate vital biological processes.

Select plant-based goods

Eating foods made from plants is excellent for you and your health as well as the environment. This year, make an effort to choose plant-based items for your needs to significantly enhance your health. In a similar vein, this supplement can assist you in lessening major cardiovascular health issues.

Additionally, in order to produce meat-based goods like beef, other ingredients including beans, oats, and other grains are needed in addition to protein.


4. Perform Outdoor Activities

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In order to live a fulfilling life, it is crucial to choose an activity you enjoy. In addition, physical activity helps your body burn calories and fat, which has a substantial positive impact on your health.

Exercise and exercise-related activities, such as yoga, walking, and jogging, are good for your physical and mental wellbeing.


5. Keep Moving

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One of the numerous things you can do to better yourself is to continue to be active. For instance, starting an exercise and fitness routine might greatly assist with this issue. One of the most crucial things you can do to successfully enhance your health this year is to continue being active.

To help you survive this epidemic, try to concentrate more on being active even at home. Your health can be greatly improved by increasing your fitness level at home, which involves exercising and doing so every day.

Saturday, July 30, 2022

THE 3 BEST CAR INSURANCE COMPANIES

Not only do the top auto insurance providers on the market provide excellent protection at reasonable costs. Additionally, they feature a straightforward claims procedure, user-friendly technology, and first-rate customer support.

It can be challenging to select the finest auto insurance company for you. Because of this, we've done the research for you and compiled a list of the best 3 auto insurance providers. In this article, we'll review the standing, accessibility, coverage choices, special offers, and client satisfaction of each company.



3. StateFarm


Another excellent choice when looking for the finest vehicle insurance available is State Farm. One thousand respondents to our insurance poll from January 2022 revealed that insurers were the most well-liked service providers, with 13% reporting having State Farm insurance coverage.

In addition to the typical types of insurance, State Farm provides:

  • Coverage for emergency road services
  • Travel insurance and car rental coverage
  • Driver coverage for ridesharing

According to our cost projections, safe drivers pay an average of $1,481 year for full coverage insurance via State Farm. This places State Farm as one of the least expensive national service providers.

State Farm, the biggest vehicle insurer in the US, has a reputation for satisfying claims; AM Best has rated it A++. State Farm has 15.93% of the market share for auto insurance in 2021, according to NAIC. Even though the BBB received conflicting customer feedback in 2020, State Farm had less complaints than the industry average.

Due in large part to the safe and use-based driving discounts it provides young drivers, State Farm was chosen as one of the finest auto insurance providers in the country. Two discount offers are accessible through the mobile app:

  • Drive Safe & Save: State Farm uses the Drive Safe & Save smartphone app to monitor and reward safe driving behaviours. Drivers can receive discounts of up to 30% off their premiums by cutting back on risky driving habits like speeding, harsh braking, and rapid acceleration. Massachusetts, Rhode Island, and California do not provide this programme.
  • Steer Clear: To promote safe driving practises, training programmes, mentoring, driving experience, and programme certification are available for teenagers and new drivers. Drivers receive a reduction in the cost of their auto insurance after successfully completing the programme.

The completion of driving courses, high grades, defensive driving, safe driving, and car safety features are just a few additional ways to save on State Farm auto insurance. Military discounts are not available from the business.


2. GEICO


In the event that USAA insurance is not an alternative for you, Geico ought to be your first pick. Our rate estimates indicate that the company offers dependable service, a variety of coverage options, and inexpensive vehicle insurance rates.

In addition to the standard coverage options, Geico offers useful add-ons, such as:

  • Roadside assistance in an emergency
  • Payment of car rental fees
  • Insurance for material damage
  • Travel protection

AM Best gave Geico an A++ (Superior) rating, indicating that it has the resources to cover consumers' insurance claims. Greater financial security is offered by bigger local vehicle insurance firms like Geico than by smaller national ones.

Geico also has a stellar reputation for its customer service. According to the J.D. Power Auto Insurance Study, Geico has better employee morale than the national average in every state except Texas, the Atlantic Ocean, and Barataria. This study asks participants questions about their relationships with claims, obligations, prices, values, incentives, and other things. In addition, our survey of 1.000 respondents in the insurance industry conducted in January 2022 revealed that just about 12% of respondents chose Geico as their insurance provider.

Geico's rates are among the most reasonable we've found in terms of price. According to our rate estimations, Geico's full coverage auto insurance costs drivers on average $1,308 annually. This fare estimate is valid for drivers over 35 with good credit who have a clean driving record. According to our calculations, Geico is among the three most affordable national suppliers.

Additionally, insurance providers provide a variety of options to save money, including multi-vehicle discounts, good student discounts, and good driver discounts (up to a 26 percent savings) (up to 25 percent off).



1. USAA


Our top pick for the finest car insurance in the nation is USAA. It consistently ranks as one of the finest suppliers in terms of value and customer satisfaction in JD Power auto insurance assessments. The business is well known for its excellent client reviews and reasonably priced coverage options, which include accident forgiveness. But not everyone qualifies, and the eligibility conditions are exceedingly tight.

Only military personnel, veterans, and their families are eligible to obtain USAA auto insurance, which significantly restricts who can do so. One of your greatest possibilities is a USAA insurance coverage, assuming you are eligible. USAA provides the following extra coverage options in addition to the conventional forms of auto insurance:

  • Towing service
  • Payment of car rental fees
  • Forgiveness of mistakes
  • Glass covering
  • Guaranteed protection of assets
  • Replacement vehicle assistance
  • Travel protection

AM Best rated USAA's financial strength as A++, and the Better Business Bureau gave it an A+ rating (BBB). According to NAIC, the vehicle insurance would hold a 6.01 percent market share in 2021. Despite not being the biggest vehicle insurance provider, USAA maintains respectable financial stability. The business wrote $15.73 billion in premiums for private passenger car insurance in 2021.

Even if the USAA doesn't have many physical locations, the relationship between the police and the company's customers is nevertheless strong. In every AS state, with the exception of California, USAA received the highest rating in the J.D. Power 2022 A.S. Auto Insurance StudySM, despite the fact that it did not meet the criteria for the award. And in our survey of mobile insurance in January 2022, almost 65 percent of the 107 respondents who had USAA membership said they were very satisfied with the company's insurance, which was the highest among all providers.

Additionally, USAA is renowned for its affordability. In comparison to the other providers we looked into, it provides the lowest vehicle insurance on average. According to our rate projections, good drivers with USAA pay an average of $1,054 annually for full coverage auto insurance. The company also provides savings for a variety of factors, such as numerous policies (like bundling house and auto insurance) and safety features like airbags.

TOP 3 RICHEST PEOPLE IN THE WORLD

Billionaires have a significant impact on how the world economy, politics, and philanthropy are shaped. According to Forbes, there will be 2,668 billionaires in the globe by 2022. The wealthiest of them are members of the more elite and influential clubs. A large portion of the fortune of several of these billionaires, who founded industry titans in technology, is still vested in their businesses.


They can still borrow against that wealth, delaying (or eliminating for heirs) taxes on unrealized capital gains in the process, if they choose not to sell their shares. Due to the huge tax deductions that multi-billionaires can use to balance their reported income, numerous people on this list have recently avoided paying income taxes.


The richest people's net worth might change with market valuations because so much of their money is invested in publicly traded stocks. For instance, Elon Musk, the founder and CEO of Tesla Inc. (TSLA) and the richest person in the world, saw an increase in his net worth in 2021 as a result of a rise in the price of Tesla's stock, in which he currently owns 16 percent of the business. In 2021, Tesla's stock increased by almost 50 percent.


In contrast, Mark Zuckerberg, the founder and CEO of Meta Platforms Inc. (META), dropped out of the top 10 in February 2022 as a result of a sharp decline in the stock price of Meta following a weak earnings report. By 2022, Zuckerberg's net worth has decreased by $54 billion.


The three richest persons on earth as of the same day are listed below, based on the Bloomberg Billionaires Index.



3. Bernard Arnault


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Age: 73


Residence: Paris, France


CEO and Chair: LVMH


Net Worth: $136 billion


Christian Dior Ownership Stake: 97.5% ($110 billion total)


Other Assets: Moelis & Company equity ($20.2 billion public asset), Hermès equity (undisclosed stake), and $11.1 billion in cash


Bernard Arnault, a French national, is the chairman and CEO of LVMH, the biggest manufacturer of luxury goods in the world. Louis Vuitton, Hennessey, Marc Jacobs, and Sephora are just a few of the companies owned by LVMH.


The holding firm that owns 41.3 percent of LVMH, Christian Dior SE, is where Arnault derives the majority of his money. His family-owned holding business, Groupe Familial Arnault, owns 6.2 percent of LVMH and an additional 6.2 percent of Christian Dior SE.


Engineer by training, Arnault initially showed his commercial savvy while working at Ferret-Savinel, the construction company he took over from his father in 1971. In 1979, he transformed Ferret-Savinel into Férinel Inc., a real estate business.


For another six years, Arnault served as Férinel's chairman until he bought and rebuilt the manufacturer of luxury goods Financière Agache in 1984. He then sold all of his interests, with the exception of Christian Dior and Le Bon Marché. He was given the opportunity to invest in LVMH in 1987, and two years later he was named the company's main shareholder, board chairman, and CEO.



2. Jeff Bezos

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Age: 58
 
Residence: Washington
 
Founder and Executive Chair: Amazon
 
Net Worth: $144 billion
 
Amazon Ownership Stake: 10% ($120 billion)
 
Other Assets: Blue Origin ($9.15 billion private asset), The Washington Post ($250 million private asset), and $14.9 billion in cash


In a Seattle garage, Jeff Bezos launched Amazon.com in 1994, not long after leaving the massive hedge firm D.E. Sya. When he first suggested opening an online bookstore, his former employer David E. Shaw was uninterested.

Although Amazon.com originally only sold books, it has since evolved into a one-stop shop for all things related to the sun and is perhaps the biggest retailer in the world. Several unexpected growths by Amazon, such as the company's acquisition of Whole Foods in 2017 and its entry into the pharmaceutical industry the same year, show the company's consistent tendency of diversification.

Before giving 4 percent to his ex-wife MacKenzie Scott as part of the divorce proceedings, Bezos controlled as much as 16 percent of Amazon in 2019. Amazon's stock price surged by 76% in 2020 as a result of the COVID-19 pandemic's increased desire for online purchasing. Bezos left his position as the company's chief executive officer and was named executive chairman on July 5, 2021.

Bezos introduced Amazon to the general public for the first time in 1997, and in 1999, he overtook Bill Gates as the first individual to have a net worth of $100 billion. The aerospace firm Blue Origin, The Washington Post (which he acquired in 2013), and the 10,000-year clock, also known as Long Now, are among Bezos' other endeavours.

Blue Origin's first successful crewed flight was carried out on July 20, 2021, by Bezos, his brother Mark, aviation pioneer Wally Funk, and Dutch student Oliver Daemen. They reached a height of almost 66 miles before making a safe landing. The same month saw the $211 billion wealth peak for Bezos.


1. Elon Musk

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Age: 50


Residence: Texas


Co-founder and CEO: Tesla


Net Worth: $224 billion


Tesla Ownership Stake: 16% ($107 billion)


Other Assets: Space Exploration Technologies ($40.3 billion private asset), The Boring Company ($3.4 billion private asset), Twitter ($2.9 billion public asset), $11.3 billion in cash



Elon Musk was raised in South Africa, went to college in Canada, and then transferred to the University of Pennsylvania, where he received a bachelor's degree in both economics and physics. Musk delayed his enrollment in the graduate physics programme at Stanford University two days after enrolling in order to create Zip2, one of the first internet navigation services. He used some of the money from this firm as investment to build X.com, an online payment platform that was later purchased by eBay Inc. (EBAY) and changed its name to PayPal Holdings Inc. (PYPL).

Musk's role as Tesla Motors' (now Tesla) primary funder in 2004 propelled him to his current position as the electric vehicle manufacturer's CEO. In addition to its range of electric vehicles, Tesla also produces energy storage systems, automotive accessories, and solar power systems thanks to its 2016 acquisition of SolarCity. Musk is also the founder and CEO of Space Exploration Technologies (SpaceX), a company that creates rockets for space launches.

Tesla stock increased by 740 percent in 2020, helping Musk climb the riches ladder. Tesla became the largest firm added to the S&P 500 in December 2020. Musk rose to the position of world's richest person in January 2021. (a title he has held since).

Musk asked his Twitter followers on November 6, 2021, if he should sell 10% of his Tesla stock, framing the question in reaction to criticism of unrealized capital gains as a means of tax evasion. For the remainder of 2021, he continued to sell stock worth $16.4 billion.

Massachusetts Democrat and US Senator Elizabeth Warren has argued in favour of enacting the wealth tax, citing media claims that Musk did not pay income taxes for 2018. Musk responded on Twitter, "And if you open your eyes for 2 seconds, you'll understand I'm going to pay more taxes than any American in history this year.

Musk's advantage in the ranks of the world's richest people is expanding as a result of a surge in Tesla shares in 2021 and unpublicized transactions that increased SpaceX's stated valuation. In November 2021, his net worth hits $340 billion.

Musk launched a campaign to take Twitter private in April 2022, and it resulted in a $44 billion acquisition. Musk intends to invest $21 billion of his own money in the transaction. Musk sold 9.6 million shares of Tesla, valued at an estimated $8.5 billion, before the announcement of the acquisition.

TOP 3 !! Best Cricket Captains of ALL TIME ?!

3. RICKY PONTING https://i2-prod.mirror.co.uk/incoming/article25810783.ece/ALTERNATES/s615b/0_GettyImages-1165481198.jpg Experience:  2002-1...