Climatize is an investment platform focused on renewable energy projects across America.

You can explore vetted clean energy offerings, with past projects including solar on farms in Tennessee, grid-scale battery storage in New York, and EV chargers in California.

Each project is reviewed for transparency and offers people access to fund development and construction loans for renewable energy in local communities.

As of November 2025, more than $13.2 million has been invested through the platform across 28 renewable energy projects. To date, over $3.6 million has already been returned to our growing investor base. Returns are not guaranteed, and past performance does not predict future results.

Check out Climatize to explore clean energy projects raising capital. Minimum investments start with as little as $10.

Explore Climatize Now with code BEEH1V

_{Climatize is an SEC-registered & FINRA member funding portal. Crowdfunding carries risk, including loss.}

Readers,

Welcome to The Starting 5 Newsletter! The 30 Second Newsletter with stocks, motivation, and tunes! Hope you enjoy!

1. Stock Performance 📈

DIA: $484.45 ↓ 0.20%
NASDAQ Composite Index: 23,334.23 ↑ 0.60%
S&P 500 (SPY): $680.03 ↓ 0.25%
AMZN: $223.38 ↓ 1.24%
AAPL: $274.15 ↓ 1.48%

Welcome to The SharpWire Report — you're now plugged into one of the sharpest edges in sports betting.

Here’s what you can expect:

• Daily insights on sharp money movement
• Clean, disciplined bets — tracked and transparent
• Early signals before the lines shift

No hype. No noise. Just information that helps you make smarter bets.

Your first edition arrives tomorrow morning.
Until then, keep an eye on the wire.

— The SharpWire Team

2. Crypto Check-In 🪙

BTC: $86,727.00 ↓ 2.56%
ETH: $2,992.67 ↓ 2.98%
SOL: $127.16 ↓ 2.62%
LTC: $77.68 ↓ 1.60%

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3. Motivation Of The Day 💭

“Success usually comes to those who are too busy to be looking for it.”
— Henry David Thoreau

You can get FREE stuff by referring family and friends to our newsletter 👇

5 Referrals - 1 Month Access To The Backup 5 (Premium Section of our Newsletter)

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4. Term Of The Day 📚

Debt Service Coverage Ratio (DSCR)

📖Definition: A measure of how easily a company (or property owner) can cover its debt payments, calculated as Net Operating Income ÷ Total Debt Service (interest + principal payments)

📊Why it matters: Lenders and investors use DSCR to judge default risk. A DSCR above 1.0 means there’s enough cash flow to pay debt; the higher the ratio, the safer the borrower looks. Many banks want 1.20x+ before they’ll lend

💡Example: A self-storage business generates $600,000 in net operating income and owes $450,000 per year in loan payments. Its DSCR is 1.33x ($600k ÷ $450k). That tells lenders the business produces 33% more cash than it needs to cover annual debt service, which is generally a comfortable cushion

Leaders from Carlyle, Blackstone, and KKR are among the guest speakers in the Wharton Online + Wall Street Prep PE Certificate Program.

Over 8 weeks, you will:

Save $300 with code SAVE300 at checkout + $200 with early enrollment by January 12.

Program starts February 9.

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5. Song Of The Day 🎧

🎧Song: “HUMBLE.” by Kendrick Lamar
Genre: Rap
Why it hits: Hard-hitting production, razor-sharp bars, and a hook that sticks—perfect for locking in at the gym, on a grind session, or whenever you need that “prove them wrong” energy.

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1. Understanding the stock market - 1 to 2 facts a day that will help you understand how stocks works, about the stock market, or about certain stocks

2. Understanding Crypto - 1 to 2 facts a day that will help me understand how crypto works, about the crypto market, or about certain coins

3. Personal Finance Tips - 1 tip a day to help with your personal finance needs

4. AI Facts & News - 2 AI facts or AI news that you would like to see and enjoy

5. 1 Side Hustle - 1 side hustle a day that you can start today with details on how to do it

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💲 Thanks for starting your day with The Starting 5
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Thanks For Reading,

The Starting 5 Team