Economic Ripple Effects: The Role of YouTube Likes in Political Discourse

political discourse on youtube

Political discourse on YouTube can create significant economic ripple effects. Viral videos influence public opinion, media coverage, and even policy decisions. The financial implications of this engagement are far-reaching, affecting not just the political landscape but also the economic environment.

YouTube likes are a key metric in this ecosystem. They signal viewer approval and can lead to increased visibility and engagement. Some content creators and campaigns choose to buy YouTube likes (see to enhance their videos’ performance and credibility. This tactic can jumpstart engagement and attract organic likes and shares, further amplifying the video’s impact.

Monetization Strategies for Political YouTube Channels

Political YouTube channels can monetize their content through various strategies to sustain their operations and expand their reach.

  • Ad Revenue: Channels earn money from ads displayed during their videos. YouTube’s AdSense program places ads before, during, or after videos, and creators receive a portion of the revenue based on the number of views and clicks these ads generate. Higher engagement, indicated by a large number of likes, can lead to more ad impressions and higher earnings.
  • Sponsorships: Brands may sponsor videos to reach a politically engaged audience. These sponsorships can come from companies looking to align with the channel’s political stance or message. Sponsored content can be lucrative, providing a steady income stream in exchange for promoting a brand or product within the videos.
  • Crowdfunding: Viewers can support their favorite channels through platforms like Patreon. This allows loyal subscribers to contribute financially on a recurring basis, often in exchange for exclusive content, early access to videos, or other perks. Crowdfunding provides a reliable income source that is directly linked to the channel’s ability to engage and build a dedicated community.

By increasing their YouTube likes, channels can attract more viewers and higher ad revenues. A high number of likes can make a channel more appealing to potential sponsors and advertisers, as it signifies a large and engaged audience. Moreover, successful crowdfunding campaigns often depend on the visible support and enthusiasm of the community, which can be bolstered by a high number of likes and positive engagement on videos.

The Influence of YouTube Likes on Mainstream Media Coverage

YouTube likes can also significantly impact mainstream media coverage. High-engagement videos often capture the attention of traditional media outlets for several reasons:

  • More Newsworthy: Media outlets often cover viral videos, amplifying their reach. When a video garners a large number of likes, it signals to journalists that the content is resonating with a broad audience. This makes the video more likely to be picked up by news organizations looking to cover trending topics, thereby extending its reach beyond the YouTube platform.
  • Perceived as Credible: Popular videos are seen as more credible sources of information. A high number of likes can act as a form of social proof, indicating that the content has been vetted and approved by a significant number of viewers. This perceived credibility can lead mainstream media to reference or report on the video, treating it as a reliable source of public opinion or information.
  • Agenda-Setting: Viral videos can set the agenda for public discussion and media coverage. When a video becomes highly liked and shared, it often introduces topics and perspectives that gain traction in the broader public discourse. Media outlets may follow suit, incorporating these topics into their news cycles, which further drives the conversation initiated by the video.

This dynamic creates a feedback loop where popular YouTube videos gain even more visibility and influence. As mainstream media covers these videos, they attract additional viewers who may not have initially encountered the content on YouTube. This increased visibility can lead to even more likes and shares, reinforcing the video’s prominence and further impacting public discourse and media narratives.

READ ALSO: Social Media for Politics: Leveraging Online Platforms in the Age of Digital Campaigning

The Economic Benefits for YouTube and Creators from High-Engagement Political Content

High-engagement political content benefits both YouTube and content creators in several significant ways. These benefits include:

  • Increased Ad Revenue: More views and engagement lead to higher ad earnings. As videos receive more likes, they are promoted more aggressively by YouTube’s algorithm, resulting in increased viewership. With higher view counts, the number of ad impressions also rises, directly translating into greater ad revenue for both YouTube and the content creators. Advertisers are willing to pay more for ad space on popular videos, boosting the overall earnings.
  • Platform Growth: Engaging content attracts more users to YouTube. High-engagement political videos can draw in viewers who are interested in current events, political analysis, and discussions. This influx of users not only boosts the platform’s user base but also encourages existing users to spend more time on the site, exploring related content. The more time users spend on YouTube, the more ads they are exposed to, increasing the platform’s revenue potential.
  • Creator Income: Higher engagement can lead to more sponsorships and donations. Content creators who produce popular political videos can attract sponsorship deals from brands looking to reach their engaged audience. These deals can be highly lucrative, providing a significant income stream in addition to ad revenue. Moreover, engaged viewers are more likely to support creators through donations on platforms like Patreon or by purchasing merchandise, further enhancing the creator’s income.

Both YouTube and its creators have a vested interest in maximizing engagement and likes. For YouTube, promoting high-engagement content means more ad revenue and sustained platform growth. For content creators, increased engagement translates into higher visibility, more opportunities for monetization, and a loyal viewer base. Therefore, both parties benefit from strategies that enhance the appeal and reach of political content, ensuring a symbiotic relationship where success for one supports success for the other.


YouTube likes play a vital role in the economic impact of political discourse. By driving engagement, visibility, and revenue, likes help shape the financial landscape of online political content. Understanding and leveraging this dynamic can lead to significant economic and political gains.

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Exploring the Dynamics of the Finance of Politics: Unveiling the Gold Calculator

gold calculator

Politics and finance have long danced a delicate tango, their steps often obscured from public view. Yet, in the age of information, transparency is gradually illuminating the intricate connections between the two realms. One such connection lies in the world of gold—a commodity both coveted and controversial. Today, we delve into the nuanced intersection of politics and finance, exploring the phenomenon of cash for gold and its implications in the political landscape.

Understanding Gold’s Role in Politics

Gold has served as a symbol of wealth and power throughout history, its allure transcending borders and cultures. In the realm of politics, this precious metal holds significant sway, shaping economic policies and influencing global markets. However, its role extends beyond mere symbolism; gold often acts as a tangible asset, a hedge against inflation and economic uncertainty.

The Rise of Cash for Gold

In recent years, the emergence of cash for gold services has revolutionized the way individuals interact with this age-old commodity. With just a few clicks, anyone can now convert their gold possessions into instant cash through online platforms. This accessibility has democratized the gold market, allowing everyday citizens to participate in the exchange of this valuable resource.

The Gold Calculator: A Tool of Empowerment

At the heart of this transformation lies the gold calculator—an essential tool for both buyers and sellers. By inputting key metrics such as weight and purity, individuals can obtain an accurate appraisal of their gold’s value, empowering them to make informed decisions. This transparency not only fosters trust but also ensures fair transactions in an otherwise opaque market.

Navigating the World of Online Gold Trading

With the proliferation of online gold buying websites, navigating the digital landscape can seem daunting. However, armed with the right knowledge, individuals can confidently engage in secure and hassle-free transactions.

Finding a Trusted Gold Selling Platform

When selecting a platform to sell gold online, it’s crucial to prioritize trust and reliability. Look for established websites with a track record of providing fair prices and excellent customer service. Reading reviews and seeking recommendations can also help vet potential platforms, ensuring a positive selling experience.

Leveraging Online Gold Appraisal Services

Many reputable gold buying websites offer online gold appraisal services, allowing users to receive instant valuations from the comfort of their homes. These tools utilize advanced algorithms to accurately assess the worth of gold items, providing sellers with a starting point for negotiations.

Ensuring Secure Transactions

Security should always be a top priority when engaging in online gold transactions. Opt for platforms that employ robust encryption protocols and secure payment gateways to safeguard sensitive information. Additionally, consider utilizing insured shipping services to protect against loss or damage during transit.

READ ALSO: Exploring the Impact of Cryptocurrency on Politics and Governments Worldwide

Conclusion: Empowering Individuals in the Gold Market

In conclusion, the finance of politics intertwines with the world of gold in profound ways, shaping economic landscapes and influencing policy decisions. Through the advent of cash for gold services and online trading platforms, individuals now have unprecedented access to this age-old commodity. By leveraging tools such as the gold calculator and prioritizing security, anyone can participate in the gold market with confidence and peace of mind.

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US Congress Aims to Approve Revival of Three Business Tax Cuts in Time for Tax Season

business tax cutsThree business tax cuts could be renewed in time for the filing of the 2023 tax as Democratic lawmakers negotiate for the extension and increase of the Child Tax Credit. Approved under the American Rescue Plan Act of 2021, reports have it that lawmakers coming from both Republican and Democratic parties are nearing a deal amounting to $70 billion up to $80 billion that will see to the increase and extension of the child tax credits in exchange for the revival of the following Trump-era business tax breaks:

Same Tax-Year Full Recognition of Research and Development Costs

filing of Annual Income TaxFull deduction of domestic research and development (R&D) costs in the same tax year instead of amortizing or spreading the amount invested, usually over a period of 5 years. Deducting the R&D costs incurred in full, from the gross income of the tax year will greatly reduce the taxable Net Income on which the annual tax due will be based.

Restoration of Certain Expenses as Income Tax Deductions

Restoration of the Interest expenses incurred during the year as a Net Income deduction, which stands opposed to the EBITDA tax policy. EBITDA stands for Earnings Before Tax, Interests, Depreciation and Amortization, a tax policy that in effect denotes a higher taxable income. Mainly because the said expenses will not take effect as single net income deductions.

Restoration of the Depreciation and Amortization costs as expenses during the year to reduce the taxable Net Income. This business tax break is also the opposite of the EBITDA tax policy that calculates annual tax due on earnings before deducting interests, income tax, depreciation and amortizations.

The federal Child Tax Credits (CTC) on the other hand refers to the tax refunds that parents with dependent children can claim to reduce the current tax due for payment. The proposed extension will increase the current refundable credit limit to $1,600 cap. It should be clear that the pandemic-era monthly cash payments sent to families as financial assistance are not part of the ongoing tax credit negotiation deals.

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Revolutionizing Governance: The Impact of Leading Crypto Trading Platforms on Political Landscapes


The intersection of technology and politics has given rise to unprecedented possibilities, with cryptocurrency trading platforms emerging as a significant player in this dynamic landscape. As the world grapples with evolving political challenges, the utilization of leading crypto trading platforms (source: has the potential to reshape governance structures and foster a new era of transparency, efficiency, and inclusivity.

I. Decentralization and Empowerment:

The hallmark of cryptocurrency lies in its decentralized nature, and this characteristic extends beyond financial transactions to impact political structures. Leading crypto trading platforms leverage blockchain technology, offering a decentralized and transparent ledger accessible to all participants. This transparency reduces the potential for corruption, providing citizens with a clearer view of financial transactions within political entities.

II. Financial Inclusion and Democratic Participation:

Cryptocurrency has the power to bring financial services to the unbanked and underbanked populations globally. By providing access to crypto trading platforms, individuals who were previously excluded from traditional financial systems can now actively participate in economic activities and, by extension, political processes. This newfound financial inclusion contributes to a more diverse and representative democratic landscape.

III. Smart Contracts and Governance Efficiency:

Smart contracts, self-executing contracts with the terms of the agreement directly written into code, can streamline bureaucratic processes within political systems. By automating certain functions, crypto trading platforms can help reduce administrative inefficiencies, enhance accountability, and ensure that political entities operate more effectively. This efficiency can lead to a more responsive and agile governance structure.

IV. Enhanced Security and Mitigation of Fraud:

Blockchain technology, the foundation of cryptocurrencies, provides robust security measures that can be harnessed to safeguard political processes. The decentralized and immutable nature of blockchain makes it resistant to tampering, reducing the risk of electoral fraud and manipulation. Crypto trading platforms, as a result, contribute to fostering trust in political systems by providing a secure foundation for electoral processes.

V. Global Collaboration and Economic Diplomacy:

As cryptocurrency transcends national borders, leading crypto trading platforms facilitate international collaboration and economic diplomacy. Political entities can leverage these platforms to engage in cross-border transactions, fostering economic partnerships and diplomatic ties. This global collaboration has the potential to create a more interconnected and interdependent world, encouraging peaceful relations among nations.

You might also want to read about Exploring the Impact of Cryptocurrency on Politics and Governments Worldwide.


The integration of leading crypto trading platforms into political landscapes represents a paradigm shift in governance. By promoting decentralization, financial inclusion, efficiency, security, and global collaboration, cryptocurrencies have the potential to revolutionize political structures. As the world navigates the complexities of the digital age, embracing the opportunities presented by crypto trading platforms may pave the way for a more transparent, inclusive, and responsive political future.

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The Economic Impact of Property Investment: A Macro View

property investment

Real estate has long been considered a stable and lucrative investment option. One fascinating facet of property investment is its profound impact on the broader economy. In this article, we will delve into the world of SMSF property investment (, exploring how it contributes to economic growth and examining real-world examples and case studies that highlight its significance.

The Power of Property Investments

Property investments have a remarkable capacity to stimulate economic growth and bolster the overall economy. This power can be attributed to several key factors:

1. Job Creation

Investing in property often necessitates construction, maintenance, and renovation. These activities create job opportunities in various sectors, including construction, real estate, and property management. The ripple effect extends to ancillary industries such as interior design, landscaping, and furniture manufacturing.

2. Increased Property Values

Property investments tend to appreciate over time, which translates into increased property values. As property values rise, homeowners and investors experience a boost in wealth. This, in turn, encourages consumer spending, driving economic growth.

3. Rental Income

Many property investors generate income by renting out their properties. This rental income forms a substantial part of their livelihood, and it contributes to the overall economy. The money earned from rents circulates within the community, supporting various businesses and services.

SMSF Property Investment: A Closer Look

One specific avenue of property investment is the Self-Managed Superannuation Fund (SMSF) property investment. SMSFs provide individuals with the opportunity to manage their retirement savings and investments, including property. This strategy has gained popularity in recent years due to its potential economic benefits.

Diversification of Investment Portfolios

Diversification is a fundamental principle of investment. SMSF property investment allows individuals to diversify their portfolios beyond traditional assets like stocks and bonds. By investing in real estate, they can spread their risk and potentially achieve higher returns.

Retirement Security

SMSFs offer a level of control and autonomy over one’s retirement savings. Property investments within an SMSF can provide a secure source of income during retirement, reducing reliance on government pensions and contributing to personal financial independence.

Case Studies: Real-World Impact

To illustrate the broader economic impact of property investments, let’s explore a couple of case studies.

Case Study 1: The Housing Market in Melbourne, Australia

The city of Melbourne, Australia, has experienced significant growth in its housing market over the past decade. This growth can be attributed to increased property investments from both local and international investors. As property values surged, so did construction activities, job creation, and associated consumer spending. The Melbourne housing market serves as a prime example of how property investments can stimulate economic growth within a region.

Case Study 2: Commercial Real Estate in New York City, USA

New York City, one of the world’s leading financial centers, relies heavily on its thriving commercial real estate market. Large-scale property investments in iconic buildings and office spaces have contributed to the city’s status as a global economic powerhouse. These investments have driven economic growth by attracting businesses, creating jobs, and fostering a vibrant ecosystem of services, restaurants, and cultural establishments.

READ ALSO: How to Track Your Finance in Business?


Property investments, including SMSF property investment, wield a considerable influence on the broader economy. Their ability to create jobs, increase property values, and generate rental income has a cascading effect that benefits individuals and communities alike. As we’ve seen through the case studies in Melbourne and New York City, these investments have the potential to transform regions, fostering economic growth and prosperity.

In a world where financial diversification and retirement security are paramount, property investments provide a powerful tool for individuals to shape their financial futures. By understanding the macroeconomic impact of these investments, we can better appreciate their significance in our ever-evolving global economy.

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Merck Petitions Washington D.C. Court to Stop HHS from Imposing the Inflation Reduction Act

Merck, the pharmaceutical firm that manufactures Januvia, a widely prescribed Type 2 diabetes drug, filed a lawsuit against the Dept. of Health and Human Services. Merck wants a Washington D.C. Court to block the “Inflation Reduction Act” recently passed by Congress and approved by Pres. Biden. The Bill gives Medicare the right to substantially bring down the prices of drugs for Medicare enrollees.

Medicare is actually a federal government insurance program that helps to take care of the medical needs of people 65 years and older, and of younger individuals with disabilities or cancer that have already reached end-of-stage treatment. Yet Merck is opposing the power granted by the Bill to Medicare because it not only blocks drugmakers from pursuing the annual price hikes they put into effect annually. The Bill also directs pharmaceutical companies to pay rebates to Medicare and its enrollees.

The Act’s Medicare Prescription Rebate Program ensures drug makers like Merck will not impose long-term price increases on Medicare enrollees. This means increased prices if any and while the case is still pending in court, merits refund or rebate claims.

About Merck’s Legal Complaints Against the Dept. of Health and Human Services

Merck has petitioned a Washington D.C. judge to stop HHS from forcing drug companies to sign a drug price negotiation agreement. Merck calls the agreement a “sham” because drug companies are being asked to hand over control of private property without any just compensation. The drug firm calls the so-called sham agreement unconstitutional because it’s “tantamount to extortion.”

Under the negotiation agreements, drug companies are required to slash down prices by 25% to 60% below the recommended market selling price. Although the agreement covers only the cost of medications prescribed to senior citizens and other Medicare enrollees, there are about 60 million Americans covered by the government’s Medicare healthcare insurance.

Merck alleges in its lawsuit that non-compliance will cause the federal government to take the following actions:

1. Stifle new drug developments;

2. Impose excise tax on a daily basis at rates higher than the daily revenues earned by drug companies.

3. Requisition the patented products of pharmaceutical companies and resort to forced sales in order to acquire products for use by Medicare beneficiaries.

However, HHS Sec. Xavier Becerra is unperturbed because he strongly believes the law is on their side. All complaints put forward by Merck are in relation to price negotiations that intend to reduce the health care costs of senior citizens and persons with disabilities (PWD) covered by the government’s Medicare Health Insurance program.

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Every Towing Business Should Know The Importance Of Corporate Finance In Decision Making

The business world involves multiple disciplines. However, one of the most important points for a company to stay afloat is the constant search to increase its value. Nonetheless, it is often difficult to identify the best way to achieve this goal. This is where corporate finance comes into play.

What is Corporate Finance in Towing Business?

Corporate finance in the towing business refers to the financial activities and decisions made by companies involved in providing towing services San Jose Towing. It encompasses a range of financial management processes aimed at maximizing the value of the towing business for its stakeholders, including shareholders, creditors, and employees. Here are some key aspects of corporate finance in the towing business:

Corporate finance is those that are related to obtaining and applying the resources of a company. They are closely related to the generation of business value and obtaining the maximum benefits for companies. Corporate finance is in charge of analyzing and studying business variables to make decisions in search of the creation of more capital.

Being a professional in corporate finance implies taking a very important role within the company. To be successful in this area, you must work with established goals and always keep in mind the objectives that must be met as a finance professional.

san jose towing

What are the objectives of corporate finance?

It is important to know that the main objective of corporate finance is to maximize economic benefits within a company while developing investment projects. Each company will give greater shape and meaning to these objectives.

Corporate finance in business decision making

Its main importance lies in the fact that you have to always take into account this area of ​​business management for any corporate decision. In this way,  you will maintain the search for efficient and sustainable use of the company’s financial resources, ensuring its well-being.

Financing decisions

This type of decision studies the different sources to fund the investments that the company needs to make. With this decision, you can determine if it is convenient to use resources from the same company or if it is a better strategy to request credits.

Investment decisions

They start with a detailed study of the current needs of the company. In this way, the real assets in which it must be invested are determined in order to achieve the increase in profits that are set as a goal.  You can make this investment in different areas of the company, such as machinery, equipment, etc.

Decisions on dividends

In corporate finance, one of the important points is to decide how the retribution will be made to the shareholders that are part of the company seeking their benefits. At the same time, it is important to prioritize the financial balance of the company.

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Iran Allows International Trade Using Bitcoin


The Iranian government has approved regulations for the use of Bitcoin for imports, Iran’s minister of Industry, Mining and Trade said, according to local news reports. A first order of importing $10 million worth of cars has already been executed.

Minister Reza Fatemi Amin spoke about the new regulations last weekend at an event in Tehran. According to him, it concerns detailed regulations regarding cryptocurrencies, the amount of fuel and electricity that may be made available for mining, and approval for their use in international trade transactions. That includes a more complicated scenario than trading Bitcoin like Bitcoin360 AI Tesla.

As a result, Iranian companies are now allowed to conduct international trade where the payment is made via cryptocurrency, he said. As an example, he mentioned the possibility of importing cars from abroad.

A first order was executed a week earlier. In addition, cars were imported worth $ 10 million dollars, with the payment with a cryptocurrency. An Iranian organization that represents importers had subsequently asked for clarification about the rules.


It is not clear whether the order was made with Bitcoin or another cryptocurrency. However, it is known that the Iranian government established a trading platform for local companies earlier this year to facilitate international trade with Bitcoin or other cryptocurrencies. Iran is subject to sanctions, which means that international payments via the traditional banking system are in many cases, not an option.

Iranian Bitcoin miners have also been legally obliged since 2020 to make their mined Bitcoins available to the central bank for import. Newly mined Bitcoins have the advantage that, in addition to the coinbase, no other transactions have been made, so they cannot be traced back to Iran via blockchain analysis.


ALSO READ: Learning The Risks When Trading Bitcoins


Bitcoin mining

For a long time, Iran was a popular destination for Bitcoin miners due to its low local energy price; about 4% of the global hash rate in 2020 came from the country. Today, that percentage has dropped to just 0.12%.

In addition to the fact that Bitcoin miners have to hand in their mined Bitcoins, various developments in the past two years probably also played a role. For example, the Iranian government issued a ban on trading in Bitcoin, a licensing system for miners was introduced, fines and electricity rates were increased and ‘illegal miners’ were cracked down on. During the summer months of 2021 and 2022, legal Bitcoin miners were cut off from the grid for several weeks because the power grid could not handle it.

Many mining companies have probably stopped or moved abroad because of uncertainties and business risks. The new regulations should provide clarity and put an end to uncertainty.

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Time-Tested Ways Americans Cushion the Negative Effects of Inflations

Time and time again, Americans have been through periods of inflation, with the current 8.4% marked as the highest inflation rate to occur since December 1981. Amidst an ongoing pandemic and armed conflict between Russia and Ukraine, many Americans would like to know how they can cope with inflation today and in the future.

Actually, there are several traditional ways that enable many Americans to weather the effects of sky-high price inflations. The highest inflation rates experienced by American consumers were the double-digit rates recorded in the 1920s, which soared to as high as 23.70%. In the years following the recovery from different economic crises, US citizens still experience annual price inflations of 2% to 4%.

After all, price inflation may occur when there’s an excessive amount of money floating in the economy. Yet the negative effects can be offset by a greater rise in income and assets in households.

Conventional Methods of Cushioning the Effects of Recurring US Inflations

The best way to lessen, if not avoid the negative effects of price inflation is to maintain a healthy source of income and/or to reduce one’s expenses through asset ownership.

Invest in Yourself and Always Take Care of Number One

Investing should start with enhancing your own capabilities by way of education and continuous upgrade of your skills. Doing so will enable you to keep up with new developments. No matter what the future brings, you have the health, stamina, skills and capabilities that can boost the security of your tenure as an employee.

Moreover, no matter what you do or how hard you work, be sure to invest in your health and well being. That way, you need only to spend on ordinary health care requirements.

Invest on Real Property to Live In as Your Own Home

Living in your own home does away with the problem of having to pay monthly skyrocketing rent and of being at the mercy of landlords. Instead of paying monthly rental, pay monthly mortgage amortizations diligently, to ensure your ownership.

Do not default on payments to avoid additional charges since past due interests and penalty charges will increase your monthly expenses unnecessarily. Even during times of extraordinary inflation, be sure to pay your monthly mortgage amortizations above and ahead of everything else.

If you have extra money to spend, use it to invest in another real property because it’s an asset that is guaranteed to appreciate in value over time.

Invest in Jewelry, Gold, Precious Stones and Authentic Artworks

Invest in assets that appreciate in value like jewelry, gold, precious stones or even in original and classic artworks. Even if they do not provide a constant stream of regular income, they are assets that do not depreciate but instead appreciate in value. In case you need to sell them their current market value will be higher than their original price.

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Financial Stress : The Most Common Cause of Mental Health Problems

Habitually worrying about financial problems as you lie awake at night to catch some sleep is an exhausting experience that can affect your mental health. Many people are not aware that there is a significant correlation between mental health and financial stress. While mental illnesses such as anxiety and depression are caused by varying factors, financial stress has been established as the most common cause.

What Exactly is Financial Stress?

Financial stress pertains to the worry that individuals feel when it comes to problems arising from the lack of means to meet or settle financial obligations. While financial experts also refer to it as mortgage stress, it’s a type of financial stress experienced by households that need to use over 30% of the family’s total income to pay for mortgage amortizations as they fall due.

Financial advisors suggest that one way to keep financial stress from taking over your life is to recognize it by recognizing the following signs of financial stress:

  • Insomnia;
  • Mood swings;
  • Frequent quarrels with loved ones over money matters;
  • Urge to inflict self-harm;
  • Increased use of alcoholic substances and;
  • Increased or loss of appetite.

Ways to Overcome Feelings of Financial Stress

Now more than ever, financial problems have become common and can happen to any individual as was the case by the unexpected events of the pandemic. While many lost their jobs, fell ill or lost their breadwinner to COVID-19, the sudden loss of financial capability had caused tremendous mental stress on many families. While financial solutions cannot be readily available, you can at least take steps that can help alleviate some of the anxieties that has been causing you financial stress:

1.  Speak to your creditors about creating a new payment plan;

2.  Communicate with your lender about options for mortgage restructuring or credit card consolidation;

3.  Seek help from an independent financial counsellor and;

4.   Ask help from a financial planner in creating a realistic budget that would meet the new payment schemes.

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JP Morgan Chase’s Digital Retail Bank Set to Launch in UK Soon

Investment banking company JP Morgan Chase announced that they will be opening the much-anticipated, feature-rich UK digital retail bank any time next week. Although the Chase digital bank will initially offer current (checking) accounts along with a rewards programme, it will eventually offer other retail banking services such as personal and mortgage lending as well as retail investments.

In announcing the forthcoming launch, the CEO of the bank’s International Consumer, Mr. Sanoke Viswanathan, mentioned that they would prioritize investing heavily on the Chase digital bank in the UK, before proceeding with plans to expand ita to countries located in Latin America and Europe.

Chase CEO Confirms Heavy Investments on New UK Digital Bank

CEO Visnawathan remarked that the move to shift to digital retail banking poses as a huge strategic commitment as they expect to spend hundreds of millions to make its operations sustainable. The CEO’s statement gave credence to earlier rumours that US JP Morgan closed a £700 million deal with digital wealth manager Nutmeg, to boost the launch of the Chase digital bank in UK.
During its development period, the digital bank was called ‘Project Dynamo’ and has been likened to Goldman Sachs’ Marcus, Chase’s closest competitor.

However, CEO Visnawathan emphasized that the digital bank will be doing more as they intend to keep customers in a banking relationship with Chase UK for three to four years at the very least. He added that JP Morgan is well aware that they have to spend hefty amounts of money, as they will be competing not only against Marcus, but also against UK’s high street giants and other emerging contenders in the investments market.

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Financial Advisors : Meeting the Challenges Posed by Robo-Advisors

Many wealth managers are feeling the pressures caused by the innovations of fintech firms that have made personal investing less costly by way of robo-advisors. However, other financial experts say that it’s a concern for financial advisors who refuse to adapt and evolve along with the technological changes. Rather than do nothing but worry, financial services providers should embrace the technological changes and developments and use them to enhance their advantage over robo-advisors, which is that of being able to empathise with clients by taking into account their personal circumstances.

Modern robo-advisors are now available as budget-friendly tools that give consumers the capability to complete seeming complex tasks that they would otherwise entrust to financial advisor These tasks include retirement planning, tax-loss harvesting, and investment selection.

Actually, the technology isn’t really new since many human wealth managers have been utilizing such tools since the early 2000s. Generally known as automated portfolio allocation software they used to be affordable only to wealth managers who had the means to buy the technology. Until in 2008 fintechs developed similar tools as a form of a less costly financial investing software offered as a service that consumers can access online.

Robo-advisors are digital platforms that give clients investment services driven by algorithms but hardly have sophisticated human supervision. The lack makes the technology less attractive to others, particularly those looking for some kind of personal by considering in-depth information about their future plans.

How can Financial Advisors Remain Relevant Amidst the Changing Financial Services Industry

A lot of financial advisors are troubled that the rapid growth of free planning tools and robo-advisors will affect their businesses negatively. While there is a possibility that it would affect their business, it a possibility if they don’t add additional value to their practice of providing money management and basic financial planning services.

Basically, it is a financial advisor’s job to assist clients in designing their life ahead while shortening the learning process when making financial decisions. It is easy to buy a financial product or get information about financial topics such as insurance, taxes, IRAs, and similar personal investment products. Yet hiring a financial advisor lessens the need to analyze and research about the complexities of financial products, especially if there are new developments. i

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Qualified Early Tax Filers to Receive Tax Refunds from IRS By as Early as May

American citizens who filed their tax returns early, without making claims for a tax break on unemployment income, will be receiving tax refunds from the IRS.

Generally under the law, unemployment benefits are still considered income on which taxes are still due. However, the $1.9 trillion American Rescue Plan approved by Congress and enacted by President Biden last March 11, includes provisions that waive the federal tax on unemployment benefits received in 2020. The amount of tax break is capped at $10,200 per individual taxpayer.

The provision aims to provide relief to the millions of jobless Americans who received unemployment benefits, to reduce whatever tax amount they need to pay for the 2020 tax year. The tax break is calculated on a per person basis, while households that collectively received more than $150,000 and above are ineligible to claim refunds.

The IRS to Recalculate Returns of Early Tax Filers

As a number of taxpayers have filed their income tax prior to the enactment of the law prescribing the tax cut provision, the IRS gives assurance that a refund will be sent out starting May 2021. The IRS has advised those who filed their tax returns early not to file an amended tax return as a means to claim the tax benefit. Apparently, early taxpayers were confused on how they can claim the tax rate, but the IRS has gives clarification that those who qualify will receive them as tax refunds.

A spokesperson for the tax agency explained that they are already conducting a two-part recalculation, starting with the tax returns of eligible individual taxpayers. The second-phase of recalculations will focus on the tax returns of married couples who filed joint tax returns, to which those who qualify will receive up to $20,400 ($10,200 x 2) in tax refunds. The second-phase will include income tax returns of taxpayers with more complex income and expense information than regular taxpayers.

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Pandemic Spurs Increase of Life Insurance Applications Among Americans

Analysis of the U.S. insurance market revealed an increase in applications for life insurance during the coronavirus pandemic, compared to the previous years. Apparently, buying a life insurance policy is now the most logical step as the death toll caused by COVID-19 continues to rise. More so now that the infectious disease has morphed into becoming a deadlier form of contagion.

According to related analytics, the number of life insurance policies sold by the insurance industry since 2020 had increased by double-digits compared to previous years’ sales and before the pandemic outbreak. Experts stated that the most likely reason is because many have come to realize the financial difficulties faced by loved ones in case of their death.

According to MIB, an insurance analytics firm, most of the people who are currently applying for a life insurance policy are under the younger age groups. There was an increase of 9% in the age group of 45 to 59 year olds while it increased by 13% among those aged under 44, and only 0.4% among the older age group of 60 and above. Presumably, these groups have families whose members are still largely dependent on them for financial support.

Why Americans Choose Life Insurance Policies in Particular

Active life insurance policies offer death benefits that would be received by a deceased person’s family, including death caused by a pandemic disease like the COVID-19 contagion.

A life insurance coverage will still be effective even if the deceased person had travelled to a high-risk coronavirus are; albeit subject to certain exceptions. Instances where death occurred while the applicant is still being considered for approval; or if the deceased failed to divulge particular information in his application about previous exposures to COVID-19 transmissions; e.g. travel to a high risk region prior to the application for a life insurance.

Those who are still contemplating to apply for a life insurance policy can still do so but the process might take longer. Moreover, insurance providers will evaluate risks based on the applicant’s location, travel circumstances and behavior, in addition to existing health conditions. Applicants who plan to travel in high-risk regions or countries, should wait for the approval of their application before pursuing any travel plans.

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As New Treasury Sec Open to Cryptocurrency Regulation; Industry Players Anticipate Increased Costs

Now that Ms. Janet Yellen has replaced Steve Mnuchin as new Treasury Secretary, many ask if Mnuchin’s plans to regulate cryptocurrencies will push through. While federal regulation would all the more encourage traditional investors to put their money into bitcoin and other digital currencies, industry players are anticipating the kind of regulation that the government will implement.

Will the government legalize cryptocurrencies and implement policies that will in effect cancel out the benefits of blockchain technology? Will regulations simply focus on enforcing anti money laundering laws and on imposing taxes on ownership and other crypto related transactions?

New Treasury Secretary’s Views and Plans for Cryptocurrency Regulations

Despite her professed reservations for cryptocurrencies, the new Treasury Secretary maintains an open mind toward the prospect of regulating digital money; acknowledging that cryptocurrencies have the potential to improve current financial systems.

During her confirmation hearing, Ms. Yellen said she believes they are mainly used to finance illicit transactions to support terrorism, carry out money laundering and other dark activities that threaten the country’s national security and global financial systems. Yet that very thinking is the reason why she also believes that there is a need for the Treasury Department to work closely with the Federal Reserve Board, federal banks, and securities regulators, in formulating an effective framework that would see to the regulation of cryptocurrency transactions and other fintech innovations.

In her written testimony to the Senate Finance Committee committee Ms. Yellen stated:

”We need to curtail the use of cryptocurrencies for malign and illegal activities and at the same time work on ways on how to encourage their use in legitimate activities.

Although her statements are promising to many cryptocurrency enthusiasts, several have also expressed concern on how the forthcoming regulatory framework will impact the cost of engaging in crypto related businesses.

A Quick Look at How Other Countries Regulate Cryptocurrencies

It is likely that U.S. federal regulators will model their framework after those being implemented by other countries that already recognize the use crypto money as legal. Some of which include:

Requiring providers of blockchain platforms, cryptocurrency exchange operators, providers of crypto-wallets and storage services to register their business with the designated government agency. Registration will of course include payment of licenses and fees as well as compliance with regulatory policies including submission of reports.

Miners that operate on a larger scale will likewise have to register as a business entity, to which all crypto money received as mining rewards will be considered as business income. Those who actively mine for personal purposes will also have to report their mining rewards as other income.

Imposition of VAT Taxes depends on the nature of cryptocurrency transactions, as some types of exchanges could be exempted.

In several U.S. jurisdictions where regulations are already being considered, most states are contemplating the idea of requiring cryptocurrency exchange operators to put up security bonds; or at least maintain a reserve fund in fiat currency.

The general expectation is that federal regulators will try to curb excessive enthusiasm for every class of digital asset, by saddling all sectors of the cryptocurrency industry with additional costs; to perhaps stabilize the price of digital currencies especially Bitcoin.

As an aside to this discussion, one of the newest solutions to beat the volatility of BTC prices nowadays is Bitcoin Mining, as it is currently seen as a less risky alternative to buying BTCs. The growing interest over this option lies mainly on the fact that there are now Bitcoin Farms that offer Bitcoin Mining as a service.

The option eliminates the risk of buying BTC that could drop in value on any day. Moreover, small scale miners will have less to incur as overhead costs by using the service provider’s platform, as opposed to paying high costs of electricity when computing to solve hash puzzles.

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Will the US-China Trade Tension Ease Out Under Biden’s Administration?

Even under the new administration, the US-China trade issues Trump left hanging will still put a strain to relationships as Biden intends to take a firm stand. Nonetheless, President-elect Biden is expected to handle the situation with diplomacy and reasonable bargaining as opposed to Trump’s approach of making China a rival country that must be brought down from its powerful economic position. .

Background Information about the US-China Trade Tensions

Subsequent to airing complaints about China’s one-sided commercial practices with the United States, the former president attempted to persuade Beijing through policies. In not succeeding, the government imposed tariffs on imported merchandise from China and negatively affected Huawei with penalties. Still, China was unperturbed because the greater burden of tariffs were imposed on U.S. businesses, which in the long run, rippled to the end-user American consumers.

Trump basically spent most of his term taking drastic actions against China including blacklisting Chinese telecommunications giant Huawei, while Beijing countered by claiming that American technologies were mostly stolen from Chinese companies. The rift has actually blown out of proportion, which makes it very unlikely that a huge change will immediately transpire once Biden takes over as official Presidential of the U.S.

Expectations of the American Chamber of Commerce in China

According to Greg Gilligan, Chairman of the American Chamber of Commerce in China (AmCham China), the issues concerning both countries will not change even under Biden’s administration. In the statement, Gilligan describes Biden’s stand in this US-China trade tension to be fairly hawkish, explaining that domestic politics forbids surrendering the high ground to the other party. Yet unlike the last administration, it’s unlikely that the new U.S. president would send empty threats to Beijung through tweets, but would rather handie the matter with peaceful rhetoric.

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Congress Lets $600 Economic Assistance Expire Last July 31, 2020

Congress went into recess for two weeks, whilst letting the $600 economic relief paycheck and the eviction moratorium expire last July 31, 2020 without clarity. As many Americans are still unemployed and while many businesses still unable to pick up where they left off before the COVID-19 lockdown, job opportunities are as elusive as ever.

The only source of financial assistance is the unemployment benefits being doled out by state governments. In addition, the expiration of the eviction moratorium could drive many Americans out of their homes.

The sad part is that the amount of unemployment benefits vary from state to state. Based on the list of unemployment benefits being paid out per state, the amount handed out as financial assistance can be as low as $5 to $20 minimum per week; albeit tending to vary based on the eligibility of the person applying for unemployment benefit. Overall, the average unemployment benefit paid in the U.S. is $6.00 per week.

The following states pay a minimum of below $100 per week: Connecticut ($15), Delaware ($20), Hawaii ($5), Louisiana ($10), Nevada ($16), North Carolina ($15) and Oklahoma ($16). Arizona and Washington have the highest minimum of nearly $190 per week.

However, a meager minimum does not indicate that a state is less generous. The rationale behind the low amount is to make it easier for residents to qualify for state unemployment benefit, which denotes that high a minimum in state financial aid has more stringent eligibility requirements. Hawaai for example pays a minimum of $5 per week but has been noted to rank second in the payment of unemployment benefits in May, which averaged at $466 per week.

Comparison of Eligibility Requirements for State Unemployment Benefit

While Hawaii pays only $5 minimum, a recipient needs ony to meet the following eligibikity requirements:

1.  An applicant must have earned a minimum amount in wages for at least two quarters during the period between April 2018 to March 31, 2019.

2.  An applicant became unemployed through no fault of his own as delineated under Hawaii law.

3.  An applicant must be actively seeking for work and available to work any time.

Although Washing5on pays the highest minimum in unem0loyment benefits, an applicant’s reason will be evaluated before they can qualify.

1.  A person applying for unemployment benefit in Washington must have worked in the state during the recent 18 months; except those who worked for the federal government or the military.

2.  The Washington State Security Department will evaluate the reason why the applicant is unemployed, whether it be due to lay off or firing; or if the applicant quit his job. Evaluations may include reason for military discharge, or involvement in a labor dispute or work strike.

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No Money? Worrying Too Much Won’t Help

If the Covid-19 pandemic is mentally stressing you out over money problems, the best thing to do is to stop worrying too much.

Keep in mind that you are not the only one with money problems. In fact, a great majority of populations all over the world are experiencing financial difficulties as a result of the safety and preventive measures being taken to battle the coronavirus pandemic.

Pew Research Presents Proof that You are Not the Only One with Money Problems

Recently, the Pew Research Center came out with a report, which shows that in the U.S. alone, about 33% of lower income households are highly distressed. About 20% of them are experiencing anxieties over money matters after losing their jobs as a consequence of the Covid-19 crisis.

What is interesting about the information provided by the recent Pew Research report is that 17% of upper-income American households are also experiencing high levels of mental distress over financial problems. Moreover, of those employed by businesses not affected by government orders for temporary closures, about 21% also emerged as belonging to the groups of individuals with high levels of distress.

Health experts are getting concerned that even young people, not just women, in ages ranging between 18 to 29 are currently struggling with high levels of anxiety. This became evident when reports from mental health hotlines revealed a substantial increase in calls, ever since the Covid-19 outbreak unleashed its devastating effect in the U.S.

Of course it is normal to get worried; but obviously, worrying endlessly is of no use. Nearly all of us are in the same boat that is keeping us afloat amidst a great pool of uncertainty. Nonetheless, there are certain steps to take as a means of easing out some of the anxieties, before they get the better of you and your mental health.

Some Tips on How to Reduce Pressures Caused by Money Worries

First off, resist inclinations to focus your thoughts on how your dreams and aspirations for you and your family’s future are starting to crumble before your eyes. Instead, apply concentration on doing all the safety measures that you and your family must undertake to avoid getting infected. Worrying constantly will only cloud your mind, and could make you react in ways that would also stress out those looking to you for strength and guidance.

Secondly, stay on top of the latest news updates but make sure you will intake only information that are truthful, useful and helpful. Avoid reading prophecies of doom or those giving false hopes that can affect your decision-making processes.

Be interested in getting to know more about the financial help that the federal government will mail directly to low-income families. If you are a recipient of financial aid, spend it only on essentials like food, medicines and important provisions for you and your family’s day-to-day living. Aside from the federal government, it is likely that your local and your state governments have also launched programs aimed at providing assistance to needy residents.

Thirdly, stop worrying about defaulting on payments as they fall due, including settlement of an upcoming loan mortgage amortization. Banks, lenders, utility providers and even landlords, have been ordered by local authorities and the federal government to comply with a series of moratoriums.

Such moratoriums include prohibitions against eviction proceedings, against applying past due interest and penalty charges on missed payments and cutting off of utility services, especially concerning displaced workers or heads of a family, who lost their job as a result of the Covid-19 crisis.

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Important Financial Tips to Help You Cope with Uncertainty of Year 2020

So today is the first day of the year 2020, which also marks the first day in which your New Year’s Resolution will start taking place. That is, if making yearly resolutions work for you even up to the first few months of the new year.

Actually, now more than ever, it is important for us to take stock of what needs change, or at least some modifications. The  Predictions for 2020 are a mix of good and bad. Taking off from what has transpired in 2019 particularly with how the environment has been reacting to climate change, predictions can be wild.

Regardless of what the year 2020 has in store, there are three important things you have to give careful attention to: Health, Assets and Borrowings

Health is Still Wealth

Keeping yourself healthy and full of stamina is very important especially if you are anticipating hard times ahead. Actually, food to be nutritious, does not have to cost much.

Remember, people from third-world developing countries have fewer choices of food; but the natural limitations do not make them less healthy or more susceptible to diseases. What is important is to eat balanced meals and to live a healthy, active lifestyle.

Make an Inventory of Your Assets

Determine the kind of assets you have, so you will know if you have something reliable to use as fall back in case of emergency.

Now if you have accumulated assets that do not appreciate in value, e.g. clothes, shoes, bags, video games, books and the like, consider selling some of them at eBay, Amazon or the FB market place  . That way you can convert their value into cash that you can set aside for emergency situations. While in storage, make sure they are not exposed or stored in conditions that can bring on molds or mildew.

Control Your Payables and Avoid Taking Out Additional Loans

Keep your borrowings or payables under control by paying on time. Delayed or default payments only increase the amount due. Moreover, avoid making additional purchases on credi,t as doing so only increases the money that will be drawn from your future income. If that will always be the case, the smaller the buying power of your income, especially if it has been stagnant for quite some time.

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Are You Prepared in Case Recession Becomes Imminent?

Talks of recession taking place have fueled fears of another spate of massive job layoffs similar to what transpired during the 2008 financial crisis. Although Wall Street financial analysts are saying that a recession is not at all forthcoming, it would be best to at least take some precautionary steps in case the current economic downturn continues on a trend that will lead to another recession.

According to the recent GOBankingRates survey, about ⅔ of the 1000 Americans surveyed are ill-prepared when it comes to facing another Great Recession. Actually, that is what is making many jittery, since they have yet to take actions that can make them more resilient against the adverse effects of business closures and job losses.

Being prepared does not necessarily entail prevention of recession because there are other factors affecting the economy. The point is, instead of just waiting with a look-see attitude, taking proactive steps that work toward bolstering one’s financial resources is a better way of moving forward during uncertain times.

Some Suggestions on How to Prepare for Another Recession

Individuals can consider taking actions that can make them better prepared, if in case the downhill trend continues for a prolonged period. According to economists, recession happens if the economic decline continues or worsens during a continuous six-month period.

1. The first step of course is to start saving even in little amounts. Instead of squandering extra money on non-essentials, save a few dollars to build an emergency fund. Bolstering whatever savings you have with an emergency fund will help you overcome anxieties over an imminent recession.

2. Since you current income may be just enough to help you meet the current costs of living, taking on an extra job or a side job can provide you the money you can save in preparation.
Eat right and live a healthy lifestyle in order to avoid incurring additional health care costs that could erode your savings.

3. Avoid the lure of get-rich quick schemes because these are the times when scrupulous individuals will offer you faster and easier ways to earn extra money.

4. Do not put your investment money in just one basket. Moreover, constantly read on business news and analysis of financial reports in order to get an inkling of stocks backed by bad or non-performing businesses.

5. Refrain from using your credit cards too often, because doing so will only yield interests that represent additional costs. If in case you made a credit card purchase, settle the total cost immediately in order to prevent interests from compounding.

6. Start selling items you no longer need, so you can convert them into cash that you can save. Do this while people can still afford to buy even second-hand offers, as it will allow you to trade them for reasonable prices.

Saving and preparing does not necessarily mean sacrificing comfort or living a less enjoyable life. It is mostly about making thoughtful decisions based on the principles of practicality, security and flexibility.

Research well on options so you can zero in on choices that bring more or less the same benefits at lower costs, such as those offered by trusted online resellers. Cost-saving options can bring in additional money that goes to building your emergency fund. However, make sure you are not exposing yourself to unnecessary risks when deciding on practical choices.

Most importantly, stay flexible since economic downturns as a prologue to recession can bring changes that will require you to make certain adjustments. .

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U.S.- China Trade War Wages On as China Vows to Take Up the Fight to Wherever It Leads

The U.S.- China trade war is not about to end as China is all set to buckle down and bring the fight to wherever the U.S. wants it to go. The Chinese government remains unfazed by Trump’s latest warning of making good on his threat of imposing a 10% tariff on the remaining $300 billion worth of Chinese goods coming into the U.S.

Trump announced the tariff will take effectivity on September 01, 2019, obviously giving China up to August to agree to his trade conditions. Although negotiations are expected to resume by early September, it appears that China does not intend to budge, seeing that Trump’s latest threat is having a negative impact on the U.S. economy.

Current data revealed that Trump’s exclusive tariff on China has been limiting trade flows, showing a 0.3 dip in U.S. trade deficit. According to the U.S president, one of the reasons why he is renewing his threat is because China’s goodwill commitment of increasing imports of U.S. agricultural products, has not been fulfilled. Based on latest trading analysis, exports to China remains unchanged.

Trump told reporters at the White House that

“The United States cannot just go and enter into an even deal with China.” “We have to go and make a better deal with China,”

China Announced Readiness to Face Trump’s Latest Threat

Last Friday, after Trump tweeted his additional 10% tariff warning to China, Hua Chunying, the spokesperson of the Chinese Foreign Ministry, immediately made it clear that the Chinese government is standing firm on its position.

In a news briefing held in Beijing, Hua told reporters that China will not give in to any intimidation, maximum pressure or blackmail and that they are still hoping the U.S. president “gives up on his illusions” that China will simply do what he demands. In its stead, Hua said her government is looking to re-negotiate based on equality and mutual respect. In May 2010, trade negotiations of the 13-month trade war failed when U.S. envoys accused China of reneging on previous commitments

China’s new ambassador to the United Nations, Zhang Jun, remarked that Beijing intends to enforce necessary countermeasures, as a means of protecting its rights against moves that only demonstrated Trump’ irresponsible and irrational act. Zhang added,

“China’s position is quite clear; if the U.S. wishes to talk, then we (China) will talk, if the U.S. wants to fight, then China will fight.”

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Learning The Risks When Trading Bitcoins

Digital currency is perceived as the future of currency exchange. Trading products online in a global currency clearly sounds like a way to accelerate your business without the complexity of local currencies. Some people look at crypto trading as their way to financial freedom.

Bitcoin is about the most powerful currency in digital trends, however, just like other new frontiers, it is certain to have few hurdles. Despite the recent level of popularity of Bitcoin, there exists a considerable risk when investing in this digital currency.

In recent years, there are so many people putting up investments in bitcoin that’s why it’s critical to learn about the issues around this new trade.

Let’s take a look at the risks involved in bitcoin investing.

New Technology in a Volatile Market

Cryptocurrency a very young technology. Bitcoin has been introduced about a decade ago and it is still developing into stability. Change is inevitable and so is the market. Bitcoin still stands the risk of becoming useless in the future and so precautions will have to be taken into consideration. The ultimate way to deal with this brand-new investment opportunity is by using extreme caution and required groundwork. Have the necessary actions to secure your money. And be extra prepared for what the market brings in the future.

The Volatile Market and Unexpected Changes

The value of bitcoin is consistently changing as the market value ripples up and down constantly. Due to this kind of volatile market, it’s really hard to guarantee a fixed ROI. To prevent a huge loss, it’s best to keep a close watch on the market. Not that small investments can be more beneficial in the long run.

Investment or Currency Exchange

Digital currency can be a powerful money exchange online; on the other hand, buyers purchase bitcoins to invest as much as they do on stocks. There are other people who view bitcoin investment as a solid ground for retirement. Considering the regularly moving market, no set regulations and absolutely no physical guarantee, traders could very well end up at the losing end with their investment. It is not to say that bitcoin has no potential, in fact, it does. However, when investing in this new market, one will have to take serious caution.

Bitcoin Currency Has Limited Use

Bitcoin could be a stepping stone toward an innovative currency exchange. However, few companies accept it as a practical currency. At present, only a few online retailers allow exchanges in cryptocurrency. Only a few select airline companies allow travel using bitcoin funds. So despite the popularity of bitcoin currency, there are many companies who don’t accept it as a legitimate exchange.

High Risk of Dealing with Fraud

Hacking and fraud are among the biggest risk when trading bitcoins. Traders are looking to invest in bitcoins online, however, due to its growing popularity, there are many ongoing fake trades. The government through the Bureau of Consumer Finance Protection and the SEC (Securities and Exchange Commission) warned the public regarding these fake transactions. While programs have already been designed to cope with these concerns, security continues to be a major challenge.

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First Quarter Growth Expectations Make a Turn Around, as S&P 500 Firms Report 2% Financial Growth

First quarter growth ending March 31, 2019 was hardly expected, considering the stock market crash that transpired in March 26, 2019. Yet trading picked up at a faster pace brought about by the sharp increase in March retail sales and business inventories reported by the end of March.

Many observers believe that stock market apprehensions were overblown, not expecting a couple of Standard & Poor’s (S & P) 500 companies to deliver sharp increases in growth at the end of March.

Refinitiv, a company partly owned by the Blackstone Group, which provides financial market on a global scale, reports that 74% of financial reports released by S & P firms have so far turned in data showing growth of as much as 2.4%; starkly contrasting the 4% to 7% decline predicted by forecasters.

Moody’s Analytics Rapid Update survey reveals economists are now tracking growth at 2.4%, as opposed to the 1% expected in the earlier months of the 1st quarter. The low expectation was mainly due to the severity of the winter weather and the longest government shutdown that stifled the economy.

Still, observers and forecasters are merely expounding on growth expectations based on financial reports. What matters to investors are actual stock performances on the trading floor.

Profiling Companies as Best Growth Stocks for 2019

Lucas Downey of, gives advice that if looking for the highest quality stock, looking at company’s financials alone does not present a complete picture. is a quantitative analyst and stock research company that looks into unusual stock market activity to pinpoint potential stocks, to and from where large investors would move their money.

Downey mentions other factors to consider such as solid fundamental history, by looking at Year-over-Year (YoY) Revenue Growth Rate and YoY Net Income Growth Rate. An aspect to consider about the company’s fundamental history as indicators of long term growth, are Year to Date (YTD) Outperformance vs. Market, and YTD Outperformance vs. Sector.

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Stock Market Indices Plummeted at Close of US Stock Market Last Friday

Stocks plummeted at the close of the US stock market last Friday, March 22, 2019. The crash caused the Dow Jones Industrial Average (DJIA) to close down with 460.19 points, while NASDAQ lost 196 points. The Standard & Poor’s 500 index dropped 54.17, the worst it has suffered since January 3, 2019.

The DJIA tracks the publicly-owned entities and therefore the most widely watched index. The the Nasdaq Composite Index covers more than 3,000 US and foreign equities. The S&P 500 Index, tracks 500 stocks.

Last Friday’s showing only heightened continuing concerns over the weak global economy. This was after recent financial reports released by manufacturing companies in the US and in other countries, showed weak performances. In fact, trouble started brewing when Germany’s manufacturing index sunk to its lowest level, causing the yield on the German 10-year note to drop into the negative lines. The news quickly resulted in the selloff of European investments, whilst causing a plunge in bond yields.

Nike and Boeing at the Forefront of Stock Market Crash News

Nike (NYSE:NKE) had an unexpected downturn in last Friday’s trading, despite the company’s showing of 7% sales growth for the first quarter, and posting sizable returns that reversed previous year’s loss.

Nike shares went down by 5%, which clearly indicated investor dissatisfaction with Nike’s overall performance. The North American market for Nike equipment and apparel posted a 2% increase in sales, while performances in Europe,Asian and Latin American markets did not yield favorable results. The company’s only saving grace was the 9% increase in footwear in North America.

Boeing (NYSE:BA) shares of stock went down by 2.3% but was already expected eversince news about recent fatal airplane crashes involved 737 Max B jets. Customers of the aircraft company are contemplating cancellation of orders, with Indonesia’s Garuda Airlines reportedly having pushed through with the cancellation of $6 billion worth of purchase order for 737 Max B jets.

Actually, other corporations experienced higher losses than Boeing. The Citigroup led at 4.9 % loss among the slew of banking institutions that suffered losses when bond yields started dropping. The technology sector likewise reeled, to which Hewlett-Packard and Intel, suffered 3% and 2 loss, respectively.

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Can Hustlers University Create a Positive Impact on India’s Booming Economy? the Hustler University’s India-dedicated learning resources could provide the solution to the ongoing falling employment rate in the country. The online learning program provides guidance that will enable the young people of India to find jobs in the nation’s modern-day economy.

India’s How Does Hustler University India Fit in the Nation’s Modern Economy

India's Booming EconomyIndia’s modern economy pertains to the country’s transformation into a developing mixed mid-income social media market economy. The transformation catapulted India’s global ranking to being the 5th largest economy in the world based on nominal Gross Domestic Product (GDP).

The achievement is significant since GDP represents the total market value of the country’s locally produced goods and services during a given period of time. It’s a positive economic indicator as it denotes self-sufficiency.

Moreover, the achievement made it possible for India to clinch the ranking of having the 3rd largest Purchasing Power Parity (PPP) in the world. PPP by the way refers to the rate of currency conversion used in equalizing the purchasing power of different international currencies.

A nation that has a high GDP PPP is indicative of high standards of living and of having more economic development because it has the support of better infrastructures.

Continuing Population Boom: A Potential Detriment to India’s Economic Growth

Indian youthOne of the critical detriments to India’s economic growth and continuing success, is its rapidly growing population. India today has the largest population, by having more than 1.42 billion people. The number overtook China’s 1.41 billion after the latter experienced its first population decline in 2022.

Economic analysts in India perceive the need to create jobs for India’s growing population of young people. Many of whom have spent time and money for higher education. However, in a country that is predominantly agrarian and providing about 58% employment to the nation’s entire population, many young Indians fail to find the jobs they need.

If the majority of these young people continue to experience failure to find lucrative employment, the outcome could stunt India’s chances of fueling future economic growth. This condition makes it imperative for the population of young Indian professionals to acquire and develop skills that will enable them to work or participate in new business models like ecommerce, freelance tasks, crypto currency trading, affiliate marketing and similar other Internet-based employment.

Hustler University is a legit online learning program that offers access to more than a hundred video lectures rendered by various industry leaders, Many of the lecturers are recognized as high-earning professionals who also share strategies on how they were able to carve a place for themselves in their respective niches.

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The Mobile Trading Revolution: Empowering Finance and Politics

mobile trading apps

Mobile trading apps have ushered in a new era, transforming the way individuals interact with both finance and politics. In an age where information is power, these apps serve as indispensable tools, offering users the ability to make informed decisions and navigate the intricate landscapes of finance and politics.

This article delves into the transformative power of mobile trading apps like Exness trading app and how they empower individuals in their dual roles as active participants in the financial markets and political discourse. Exness is a trading app that allows traders to trade even while on the go.

Unleashing Financial Freedom

Mobile trading apps have democratized finance, breaking down barriers and granting individuals unprecedented access to the world of investment. Unlike traditional brokerage services, these apps operate seamlessly on smartphones, placing the power of financial decision-making directly into the hands of users.

Accessibility Redefined

The days of being tethered to a desktop computer or relying on a traditional broker are fading into the past. With mobile trading apps, financial markets are now at the fingertips of anyone with a smartphone. This accessibility redefines the landscape, making it inclusive and open to a broader spectrum of individuals.

Informed Decision-Making

Empowerment in finance begins with knowledge, and mobile trading apps excel in providing users with real-time information. From stock prices to economic indicators, these apps keep users abreast of the latest developments, empowering them to make decisions based on current, accurate data.

A Trusted Broker Website

To embark on this financial journey, it all starts with choosing a trusted broker website. The platform you select becomes the gateway to your financial endeavors, and ensuring its reliability is paramount. A trusted broker website acts as a secure conduit for your transactions, safeguarding your financial interests in the volatile world of markets.

Navigating the Political Landscape

Beyond finance, mobile trading apps also play a pivotal role in shaping individual participation in politics. In an era where the political landscape is dynamic and ever-changing, these apps empower users to engage actively and meaningfully.

Stay Informed, Stay Engaged

Political decisions impact us all, and staying informed is crucial for effective civic participation. Mobile trading apps extend their utility to the political realm by providing users with up-to-the-minute news, analysis, and insights. This information arms individuals with the knowledge needed to engage in thoughtful discourse and contribute meaningfully to the democratic process.

Advocacy in the Digital Age

The digital age has given rise to a new form of political advocacy, and mobile trading apps are at the forefront. Users can leverage these platforms to support causes they believe in, contributing to political campaigns or engaging in grassroots movements. This newfound ability to participate directly in the political process empowers individuals to be active contributors to societal change.

The Synergy of Finance and Politics

The intersection of finance and politics is undeniable, and mobile trading apps bridge the gap, creating a synergy that empowers individuals in both realms. This dual functionality is especially significant in a world where economic policies and political decisions are intricately intertwined.

Economic Policy Impacts

Changes in economic policy can have profound effects on financial markets, and mobile trading apps enable users to understand these connections. Armed with this knowledge, individuals can adjust their financial strategies accordingly, navigating the complexities of policy changes with confidence.

Political Events and Market Dynamics

From elections to geopolitical events, political occurrences can send ripples through financial markets. Mobile trading apps empower users to grasp the cause-and-effect relationships between political events and market dynamics, allowing for proactive decision-making in response to the ever-changing political landscape.


The Future of Empowerment

As mobile trading apps continue to evolve, the future holds even greater promise for individual empowerment. Technological advancements, coupled with user-friendly interfaces, will further enhance the accessibility and functionality of these apps, solidifying their role as indispensable tools for those seeking to actively engage in both finance and politics.

In conclusion, the mobile trading revolution is not just about buying and selling stocks; it’s a paradigm shift that empowers individuals in both finance and politics. The synergy of these realms, facilitated by mobile trading apps, creates a dynamic space where informed decision-making becomes second nature. In this era of empowerment, choosing a trusted broker website becomes the first step toward financial and political engagement.

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Prime Cases and Legal Funding: Unraveling the Financial Threads in Political Landscapes

legal funding

Diving into the complex web of finance, politics, and legal battles reveals a fascinating tapestry of influence and power. At the heart of this intricate relationship are prime cases that not only shape legal landscapes but also have a profound impact on the political arena. In this exploration, we delve into the financial intricacies of high-profile legal battles, shedding light on the pivotal role played by pre-settlement funding companies in steering outcomes and their potential to reshape political landscapes.

Understanding the Nexus: Finance, Politics, and Legal Funding

Legal battles, especially those thrust into the limelight due to their high profile, often become battlegrounds for more than just justice. The financial underpinnings of these cases intertwine with political interests, creating a dynamic where the outcome of a lawsuit can reverberate far beyond the courtroom.

The Influence of Prime Cases

Prime cases, marked by their significance and public attention, become microcosms of the larger societal and political issues at play. These legal battles are not merely about two parties in dispute; they become symbols, representative of broader concerns and ideologies.

  • Landmark Decisions: Prime cases often lead to landmark legal decisions that set precedents for future cases. These decisions can influence the legal landscape for years to come, shaping the way laws are interpreted and applied.
  • Public Opinion: The visibility of prime cases attracts public scrutiny and shapes public opinion. As a result, these cases can sway political narratives, influencing public discourse and potentially impacting the decisions of policymakers.

The Role of Pre-Settlement Funding Companies

In the intricate dance between finance and legal battles, pre-settlement funding companies emerge as key players, wielding influence that goes beyond the courtroom.

  • Financial Leverage: Pre-settlement funding companies provide financial support to litigants awaiting settlement, enabling them to sustain lengthy legal battles. This financial leverage can tip the scales in favor of a party that might otherwise be financially strained.
  • Strategic Decision-Making: With the financial backing of pre-settlement funding, litigants can make more strategic decisions about their legal approach. This can include opting for a lengthier legal process, pursuing appeals, or even rejecting early settlement offers.
  • Political Impact: The involvement of pre-settlement funding companies introduces a financial element to legal battles, amplifying their potential political consequences. The decisions made in courtrooms are no longer confined to legal ramifications but extend into the broader political spectrum.

READ ALSO: Corporate Finance In Decision Making

Conclusion: Navigating the Intersection

In the intersection of finance, politics, and legal battles, pre-settlement funding companies emerge as significant players, influencing the outcomes of prime cases and reshaping the political landscape. As we unravel the financial threads woven into these high-profile legal battles, we gain a deeper understanding of the intricate dance that shapes the course of justice and politics.

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Social Media for Politics: Leveraging Online Platforms in the Age of Digital Campaigning

social media TikTok views

The Power of Social Media in Modern Political Campaigns

In today’s fast-paced and ever-evolving political landscape, buying TikTok views has become a buzzword among politicians and campaign strategists. Social media has emerged as a pivotal tool in modern political campaigns, revolutionizing how politicians engage with voters and shape their electoral strategies. As we delve into the dynamic world of digital campaigning, we explore how platforms like TikTok, Twitter, Facebook, and Instagram have redefined the political playbook.

A Paradigm Shift in Campaigning

Gone are the days when politicians relied solely on traditional campaign methods like town hall meetings, door-to-door canvassing, and television advertisements. In the digital age, a candidate’s success hinges on their ability to harness the full potential of social media. Why? Because social media platforms offer an unparalleled reach and immediacy that can make or break a campaign.

The Reach of TikTok

Among the myriad of social media platforms, TikTok has emerged as a rising star in the political arena. With its massive user base, particularly among younger demographics, politicians have recognized the need to tap into this vibrant platform. Buying TikTok views is not just a catchphrase but a strategic move to amplify a candidate’s message to millions of potential voters in seconds.

Engaging with Voters

The heart of any political campaign lies in connecting with voters personally. Social media offers a unique opportunity for politicians to humanize themselves, share their stories, and foster genuine connections with their constituents.

Personalizing the Candidate

Politicians can show their human side through carefully crafted TikTok videos, heartfelt Instagram stories, and candid Twitter threads. Voters are no longer interested solely in policy positions; they want to know the person behind the policies. Social media allows politicians to showcase their personalities, values, and aspirations, forging a deeper emotional bond with their audience.

Real-time Interactions

One of the remarkable aspects of social media is its real-time nature. Politicians can engage with voters instantly, responding to questions, addressing concerns, and participating in live discussions. This immediacy builds trust and demonstrates a commitment to transparency and accountability.

Shaping Campaign Strategies

Social media isn’t just a platform for communication; it’s a treasure trove of data and insights that can inform campaign strategies.

Targeted Advertising

Platforms like Facebook offer robust tools for micro-targeting specific demographics, ensuring campaign messages reach the right people at the right time. This precision minimizes wastage and maximizes impact.

Analyzing Public Sentiment

Politicians can monitor public sentiment through social media analytics. By tracking trending topics, hashtags, and comments, they gain valuable insights into the concerns and priorities of their constituents. This information can guide policy adjustments and messaging tweaks.

Challenges and Ethical Considerations

While social media presents numerous advantages, it also poses challenges and ethical dilemmas. Buying TikTok views itself raises questions about authenticity and the manipulation of public perception.

The Authenticity Conundrum

In the quest for virality, some politicians resort to purchasing views, likes, and followers. While this may boost their online presence, it risks eroding trust if exposed. Authenticity remains a cornerstone of successful digital campaigning.

Misinformation and Polarization

The rapid spread of misinformation on social media can undermine the integrity of political discourse. Politicians must strike a balance between engaging content and responsible information sharing to combat the rising tide of polarization and false narratives.

READ ALSO: Exploring the Impact of Cryptocurrency on Politics and Governments Worldwide


As we navigate the digital age of politics, the phrase buying TikTok views reminds us of the evolving strategies and tools politicians employ to connect with voters. Social media has fundamentally altered the political landscape, offering unprecedented reach, engagement opportunities, and data-driven insights. However, with great power comes great responsibility. Politicians must tread carefully, upholding authenticity and ethical standards to harness the full potential of these online platforms. In this ever-evolving landscape, social media remains a double-edged sword—a tool that can shape and reshape the future of politics.

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Politics is Impacting Jewelry Business

The jewelry business is one of the oldest and most traditional industries in the world. However, in recent years, it has seen some major changes due to the influence of politics.

What Are the Key Drivers Behind Political Changes in the Jewelry Market?

The jewelry market is a highly politicized industry and is heavily influenced by political factors. The government plays a major role in the regulation of the jewelry industry, from setting tariffs to controlling imports and exports. As such, it is important for jewelers to understand the political drivers that shape their business.

Politics can have a huge impact on consumer preferences for jewelry. As political events and trends influence the economy, there can be changes in the availability of certain metals and gemstones, which may lead to an increase or decrease in the demand for specific types of jewelry. Additionally, politics can also have an effect on cultural values and beliefs surrounding jewelry, which could lead to different tastes among consumers. As such, being aware of the political climate is important when considering consumer preferences for jewelry.

Sri Bhavani Jewels

How Has Political Uncertainty Affected the Jewelry Business?

The global economic instability has led to a decrease in consumer spending, which has had a direct impact on the jewelry market. This has resulted in decreased demand for luxury items such as jewelry, leading to a decrease in sales and profits for many companies in the industry. In addition, political uncertainty has caused fluctuations in exchange rates and tariffs, making it difficult for companies to plan their operations effectively. As a result, businesses have had to adjust their strategies and operations to remain competitive in this challenging environment.

What Challenges Will Jewelers Face in a Changing Political Environment?

As the political landscape shifts, jewelers are facing a variety of challenges. From increased compliance costs to risks associated with operating a jewelry business in a politically unstable environment, jewelers must be aware of the potential pitfalls and adjust their strategies accordingly.

Jewelers must also consider how changing regulations could affect their business. For example, tariffs and other trade restrictions may limit access to certain materials or prevent them from selling certain products in certain countries. Additionally, changes in tax laws or labor regulations could increase overhead costs for jewelers and make it difficult for them to remain competitive.

Ultimately, jewelry businesses such as Sri Bhavani Jewels will need to stay informed about the changing political environment and be prepared to adjust their operations accordingly. By understanding the risks they face and taking proactive steps to mitigate them, jewelers can ensure that they remain successful in an ever-changing political climate.

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Exploring the Impact of Cryptocurrency on Politics and Governments Worldwide

Cryptocurrencies and dollar bills


Cryptocurrency is a revolutionary technology that has the potential to disrupt the current financial and political systems globally. The decentralized, borderless nature of cryptocurrency, which can be easily managed through crypto exchange platforms, allows for unprecedented levels of financial freedom and autonomy for individuals. However, this new technology also has implications for governments and existing economic structures, as its decentralized nature could potentially undermine government control over currency and monetary policy. As the world moves closer to a digitalized economy, understanding the political implications of cryptocurrency will be essential to navigating the future of our financial systems.

Analyzing the Political Impact of Bitcoin, Ethereum, and Other Popular Cryptocurrencies

Cryptocurrency politics is rapidly becoming one of the most talked-about topics in the world. With Bitcoin, Ethereum, Ripple, and Litecoin all vying for dominance in the market, it’s important to understand how their respective political agendas will shape their future. From government regulations to blockchain technology, each cryptocurrency has a different approach when it comes to politics and this could have a huge impact on their success.

Regulations and Taxes

There are many different forms of regulation that cryptocurrencies have already faced. For example, the European Union recently put forward a law banning the use of Bitcoin and other cryptocurrencies in exchange for goods or services. This is comparable to the US government taxing businesses that use Bitcoin to pay their employees. Therefore, if a country has strict regulations on cryptocurrency, it may not be as popular with investors. However, this can also mean that there is less money lost during market crashes because investors are subject to more regulation meaning they must follow certain rules when investing. There is also a fear that governments could come in and start to regulate cryptocurrency, but this is not likely the case.

Tether vs USDT

The most widely used currency in the world is fiat money or legal tender. USDT is a regulated currency that can be bought, sold, and traded for USD. This means that it is possible to convert it into real cash at any time. Tether was issued in 2015 by Bitfinex and it is designed as a tokenized representation of the US dollar on the Ethereum blockchain so as to offer one-to-one parity with traditional paper receipts or coin bank accounts denominated in US dollars.

Tether is a cryptocurrency that is designed to serve as a medium of exchange by facilitating the transfer of fiat currency (USD) and cryptocurrency (BTC) between parties. The Tether platform aims to offer a solution for traders who want to acquire crypto assets with fiat currencies, such as USD, directly through the platform. It also aims to work as a bridge between crypto and fiat currencies so that digital consumers can use their cryptocurrencies more frequently in mainstream stores. Tether was issued in 2015 and it is the first token on top of which other tokens were issued including Bitcoin, Ethereum, and others.


ALSO READ: Corporate Finance In Decision Making


How Are Countries Reacting to Rapid Growth in Crypto?

The increasing adoption of cryptocurrencies is having a profound effect on the political landscape. As more and more people are looking to digital assets as a store of value, governments around the world are being forced to take notice. Cryptocurrencies have the potential to upend traditional banking systems and shake up existing power structures. The implications of this shift are far-reaching, with potential impacts on international trade, taxation, and more. It remains to be seen how these changes will play out in different political contexts around the world.

The Role of Decentralized Autonomous Organizations

Decentralized Autonomous Organizations (DAOs) are rapidly gaining traction in the world of politics today. By utilizing blockchain technology, DAOs provide a secure, transparent, and democratic platform for users to make decisions, manage resources, and access services without relying on centralized authorities. With the help of smart contracts and other advanced technologies, DAOs are becoming increasingly popular for their ability to enable users to coordinate their actions in a way that is completely free from any external influence or control. As such, DAOs have the potential to revolutionize how we think about politics and governance by providing an alternative means of organizing collective action that is less vulnerable to manipulation or corruption.

The Future of Crypto-Politics and What it Means for Governments Worldwide

The cryptocurrency revolution has changed the way we think about money and economic systems. Crypto-political landscapes have been emerging, where individuals are empowered to take control of their own financial destinies. The decentralized nature of cryptocurrency also means that it can be used for a wide range of uses, from trading, investing and payments to crowdfunding projects and more. The potential for this new technology is virtually limitless, creating a revolutionary new way to enact global change.


Cryptocurrency is becoming an increasingly important tool in political decision-making. It has been used to fund campaigns, pay lobbyists, and even finance policy initiatives. As the world moves towards a more digital economy, cryptocurrency is becoming an indispensable part of the political process. Cryptocurrency offers a secure and transparent way for politicians to keep track of their finances and ensure that their decisions are not influenced by outside sources. The increasing use of cryptocurrency in politics will have far-reaching implications for how we make decisions in the future.

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Finance: How Tough Is Cryptocurrency?

Cryptocurrency should prevail as the main currency compared to all other digital currencies in the coming years. But is cryptocurrency really the money of the future?

Although there were initially some problems, today more than 100,000 merchants accept payments using crypto. If you are considering ethereum vs solana, you have to check which offers amazingly large potential for your needs.

There are significantly more people worldwide who have access to the internet or smartphones than individuals who are assured access to banking systems. Cryptos provide incredibly great potential for the population since they can be included in a new financial system. Crypto is becoming more and more essential as a result of digitization.


Ethereum vs Solana: What are the advantages of cryptocurrency?

The use of crypto does not eradicate users based on their financial history or other features.

The prevalent user-to-user credit system in the micro area also uses this potential. Both the processing of classic transactions and the purchase of tangible properties or other important valuables take a lot of time due to delays by third parties. Transactions with cryptocurrencies, however, can usually be carried out in seconds or minutes and no third party is required.

Ethereum vs Solana: What are the disadvantages of cryptocurrency?

In addition to economic advantages, cryptocurrency also brings with it a number of problems and risks.

In traditional banks, customers have the option to cancel a transfer. However, this step is not possible with a purchase transaction using cryptocurrency, because what happens in the blockchain remains in the blockchain.

The risk of losing money also increases if, for example, the recipient’s address is entered incorrectly. In the case of the cryptocurrency Ethereum, the money can already disappear into thin air if the last digit of the ID address is not copied.

Due to the dramatic price fluctuations, the financial supervisory authority is also warning about the internet currency. Cryptos are highly speculative transactions with the possibility of total loss.

Those who do not inform themselves extensively about the risks of the respective cryptocurrency should keep their hands off it. Even if a lot of companies invest a lot in cryptocurrency, this payment method is not yet used in some businesses and countries.

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Tips on Managing Your Personal Finances

Managing personal finances can be tricky. There are so many things to think about, track and budget for that it’s easy to get overwhelmed. Managing your personal finances doesn’t have to be stressful or time-consuming. You just need a plan and some good habits to stay on top of things.

Create a Budget

First things first: Create a budget. You don’t have to spend hours each month tracking your spending if you have a budget. You can build a budget in just a few minutes, and it will help you stay on top of your spending and make sure you’re not overspending.

If you don’t have a budget, you’re just guessing at how much money you’ll have each month — and that’s not a smart idea. Without a budget, it’s easy to overspend on things like groceries, eating out and drinks. Or you might not be saving enough for retirement.

Don’t Ignore Your Investments

Investing is important. This protects your assets and ensures that you’ll be covered in times of emergencies. But many people don’t put much emphasis on it. They don’t think they have enough money to start investing. But the truth is that even if you only have a few bucks to spare, it’s a good idea to start investing. The sooner you start, the better.

If you’re in your 20s or 30s, you can put that money in a 401(k) or an IRA, which will allow you to lower your tax bill now and get a nice tax break. If you’re in your 40s or 50s and have some extra cash, it’s a good time to start investing in a taxable account.

You can choose from lots of different investment options and have plenty of time to let your money grow.

If you’re in your 60s and beyond, it’s a good time to start thinking about your retirement. Focus on maxing out your 401(k) or IRA.

Track where All Your Money goes

It might sound silly, but you should keep a record of every dollar you spend. This will help you track your spending and identify any problem areas, like eating out too much. If you keep a record of your spending and find you’re spending too much on certain things, you can change that.

You can use a cash-based budget or digital budgeting app to keep track of your spending. You can even set goals for certain categories, like eating out or groceries.

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How to Track Your Finance in Business?

Are you an aspiring entrepreneur who is ready to strike out on your own and start a business? Or perhaps you’ve been running your own business for some time now and are looking for ways to improve your financial literacy? Either way, having a solid understanding of how financial accounting can help you grow your business and increase profits is important.

Any business venture requires careful monitoring of the company’s finances in order to ensure the venture remains profitable. Whether you’re just starting up or have been operating your business for a while, knowing how to track your finance will help you keep track of all the expenses involved in making sure your company continues to grow.

Inventory Tracking

Inventory tracking involves recording the amount of product your company has on hand. This does not only apply to retail businesses where products are sold to customers. Inventory tracking is used within all types of businesses, including construction, agricultural, and other general services.

By tracking your inventory, you are able to identify which products are selling the quickest and which ones will need to be reordered or replaced. This allows you to plan your business accordingly to meet demand.

Bank Account Tracking

Bank account tracking is similar to the tracking method used to monitor inventory. With this method, you record the amount of money currently in your business bank account.

This allows you to keep track of any money that is being deposited into your account. It will also help you identify any potential fraudulent transactions.

By tracking your bank account, you are able to keep track of all incoming and outgoing money. This will make it easier to identify any red flags that may indicate your account is being compromised. If you want another way to budget your finance, you can use Quicken alternative .

Employee Payroll Tracking

For any type of business, it is important to track employee payroll. Doing so will allow you to keep track of the amount of money your company is spending on payroll and any taxes related to payroll. By keeping track of employee payroll, you are able to forecast the amount of money you will need to pay in taxes. This will help you avoid overpaying or underpaying taxes at the end of the year.

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The Benefits of Bitcoin as a State Currency

Bitcoin and Dollar Bills


El Salvador is the first state in the world to make Bitcoin the legal currency and wants to help the country to gain momentum and independence.

For a change, it wasn’t Elon Musk who stirred up the cryptocurrency world in early June, but Nayib Bukele. The 40-year-old president of El Salvador announced that his country would be the first in the world to make Bitcoin legal tender. Few people would have suspected that the Salvadoran parliament under Bukele would pass a law a few days later in a fast-track procedure. If it comes into force in September, there are two official currencies: the US dollar and the Bitcoin.

El Salvador has been in debt for years and has not used its own currency since 2001. The IMF noted that the country had payment problems that would not be solved. The World Bank also refused to support the Bitcoin launch. But Bukele announces on Twitter: That cryptocurrency will improve people’s lives and ensure an economic upswing.

“El Salvador is not doing well economically, cannot set up its own currency and therefore uses Bitcoin,” says Philipp Sandner, head of the Blockchain Center at Frankfurt School of Finance. This would mean that the country in the Pacific would no longer be dependent on its own central bank or on the inflation of the US dollar. These are advantages that cannot be denied for El Salvador.

But what are the risks of cryptocurrency? Is Bitcoin suitable as a legal tender? There are a few questions to be answered.


No central bank, no supervisory authority, but thousands of computers that store every transaction in the blockchain. The cryptocurrency’s decentralized registration system makes money more democratic, proponents argue. “For corrupt countries, Bitcoin has the advantage that politicians can not influence,” says Anita Posch, author and crypto expert. Digital currency is characterized by open access. In principle, anyone can purchase them on crypto marketplaces. A so-called wallet such as Metamask or Coinbase (check out Metamask vs Coinbase wallet comparison here), with which Bitcoins can be received, can be created anonymously and with just a few clicks. That could be an advantage for El Salvador, where 24 percent of the population over the age of 15 does not have a bank account. “Bitcoin can reach citizens who are not involved in the financial system,” Sandner says.

More than 20 percent of Salvadoran economic output also flows into the country through foreign remittances. When emigrants send money to their families, they often use service providers with high transfer fees. “With cryptocurrency, the transfer costs are almost zero,” says Sandner. In addition, according to Sandner, a “Bitcoin facility” is needed. This is a fund that allows people to cover with cryptocurrency. According to the WKO, El Salvador wants to set up digital wallets from a $120 million state fund and reward citizens with $30 in Bitcoin for initial registration.

The suitability for everyday use

In El Salvador, citizens will pay with Bitcoin through an app by exchanging QR codes. “Programming an app in the Bitcoin space is difficult because potentially thousands of transactions have to be processed per hour,” says Sandner. Bitcoin transactions can take a few minutes to days. Depending on how many transactions take place at the same time, they are verified at different speeds. How can you quickly pay for the coffee to go? The Lightning technology, which El Salvador also relies on, can help. The network can process payments in real time through a kind of the second layer on the Bitcoin blockchain.

The risk

Value stability, which is important for daily payment transactions, Bitcoin does not have. Enormous price fluctuations characterize the cryptocurrency, which can lose 20 percent of its value within a few hours. One possible reason for this is that individuals and “finfluencers”, financial influencers, strongly influence the crypto market. An investment by Tesla, for example, can cause the price to skyrocket. In addition, the blockchain sector is constantly evolving, news can lead to extreme price conditions.

Sander also says: “The biggest disadvantage is volatility.” Nevertheless, economist considers Bitcoin to be a secure means of payment. “Bitcoin is going through an upward trend, over longer periods of time the price rises.” The cryptocurrency is also resource-limited to 21 million bitcoins. Once the digital currency is mined, the shortage could cause the Bitcoin price, which is determined by supply and demand, to rise.


ALSO READ: Iran Allows International Trade Using Bitcoin


The environment

Bitcoins need to be mined. Mining, in which transactions are checked by thousands of computers, requires enormous computing power. According to a study by the Technical University of Munich, server farms cause annual emissions of about 22 megatons of carbon dioxide. This corresponds to the CO₂ footprint of a city like Hamburg. The Cambridge Centre for Alternative Finance at the University of Cambridge estimates in a study that only 39 percent of crypto mining is done with renewable energy sources. The sustainability problem will solve itself, says Sandner. “The percentage of renewable energy will increase.” Posch shares this opinion: “Miners are interested in cheap sources of electricity, i.e. wind, sun, and hydropower.”

The Twilight

Darknet, weapons, drugs: Cryptocurrency is often associated with criminal energy. Sandner considers this accusation to be outdated. “Today, the proportion of criminal transactions has shrunk significantly.” Clean transactions displace unclean ones because Bitcoin is increasingly gaining acceptance, says the economist. Every transaction is logged, and traces cannot be completely blurred, as with the cryptocurrency Monero, which is programmed differently. Only 0.34 percent of all crypto transactions in 2020 are said to have been illegal in nature, according to the US blockchain analysis company Chainalysis in its Crypto Crime Report 2021.


But are the digital coins gone if you lose your secret “passphrase”? This can invalidate Sandner. “If Bitcoin is legal funding, there is a kind of online banking app and you can state that you have lost your password,” says the economist. It is different when technically savvy people do not store their Bitcoins in an app but in themselves. “If they then forget their password, no one can help you.” Hacker attacks cannot be ruled out either. “The risks are enormous, but the opportunities of cryptocurrency are also significant,” says the economist.

The future

What will soon be a reality in El Salvador will take a long time, if at all. Posch does not rule out the possibility that there is a coexistence of euros and Bitcoin in the EU. “I’m sure that will come at some point. However, probably less pronounced than in El Salvador, as we have a very well-functioning banking system,” says the author. Whether Bitcoin is suitable as a state currency cannot yet be judged today, says Sandner. The economist believes that Bitcoin will exist as a “new asset class” alongside the euro, i.e. as an investment in which to invest. One could imagine this as the ratio of gold to the euro: “Gold is in the safe and the euro in the purse. You don’t take a gold coin for shopping. That’s how I see it with Bitcoin,” says the economist.

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Financial Requirements for Becoming a Politician

Becoming a politician is a noble career choice. The job of a politician involves serving the public by enacting laws, programs, and initiatives that benefit society as a whole.

What are the Financial Requirements in Becoming a Politician?

In order to become a politician, you will need to meet certain financial requirements. These might include specific educational prerequisites, as well as meeting minimum income requirements for filing taxes and other personal financial criteria. It’s not an easy road, but if you feel called to serve your community in this way it could be worth exploring.

Here are the financial requirements you need to become a politician:

Taxes and Financial Standing

If you want to become a politician, it’s important that you keep your taxes and financial standing in good order. That’s because the public will be looking very closely at your finances. If they notice something they disagree with, they may use it to discredit you as a candidate. That said, taxes and finances are also important to politicians for more basic reasons.

As politicians, they will be expected to provide financial advice to their constituents. In addition, they will require a certain financial standing in order to perform their job effectively.

Politicians who understand taxes and financial issues will be better able to craft legislation that benefits the public. Beyond that, politicians will need to be able to recognize and avoid corruption within their own ranks.

Income Requirements

Some offices have minimum income requirements. For example, U.S. Senators have an income requirement of $174,000, and U.S. Representatives have a minimum income requirement of $71,500. There are also income requirements for state offices.

However, these will vary based on the type of office you want to run for. Some offices may also have a minimum net worth requirement. For example, state governors have a net worth requirement of $1,000,000. Local offices may have a minimum income requirement or a minimum net worth requirement. When you run for office, you can expect your finances to be thoroughly investigated.

You may be audited by the IRS at any time in the future, even after you have left office. If you’re still new to becoming a politician and want to have all the requirements without having them check your credit, you can go to microcapital.

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Apply for a Small Business Loan?

Small businesses especially in small communities like MB steigimas are the backbone of any local economy. They also tend to have a harder time getting funding than larger companies. The good news is that there are plenty of financing options out there for small businesses looking to grow their operations.

Small business loans can help your company reach its potential and keep you from having to take on personal debt just to get your business off the ground.

What is a Small Business Loan?

A small business loan is a line of credit you get from a financial institution like a bank or credit union. A small business loan is usually a longer-term loan (with terms of 5 years or more) that can have a fixed interest rate or be adjustable (where the interest rate is based on a market rate).

Small business loans are intended to provide additional working capital that can be used to expand operations, purchase equipment and fund other critical business expenses.

How to Find the Right Small Business Loan for You?

When you’re applying for a small business loan, you’ll be asked to provide a ton of information. This includes information like:

  • Your credit score
  • Cash flow
  • Financial projections

Finding the right small business loan will largely depend on your unique situation and the different types of loans available to small businesses. If you have a solid business plan and a good track record of paying back debt, you’ll have a much better shot at getting approved for the right small business loan for you.

Benefits of Getting a Small Business Loan

A business loan can help you grow your small business without having to take on significant personal debt. There are many great reasons for taking a small business loan. For example, these loans are often cheaper, have lower interest rates and longer payback periods than personal loans.

Business loans can provide you with the funds you need to expand your business, purchase equipment and make other critical capital investments that can help you stay competitive. You may also be eligible for government loans and grants, as well as grants from your city and state.

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How Finance Majors Get Discounts?

When you’re in school, everything seems pretty theoretical. Sure, you learn formulas and theories, but it doesn’t seem like you could ever use them to find real-world deals and get discounts on things they need anyway. But that’s exactly what finance majors do every day. As a finance major, you’ll hone your skills analyzing and investing in companies, which makes it super useful for finding deals and giving discounts as an adult. In this article we’ll show how finance majors negotiate a discount on almost anything.

Determine Value and Demand

Before you negotiate, you need to know what something is worth. If you’re buying something, you need to know what it’s worth to the seller. If you’re selling something, you need to know what it’s worth to the buyer. One of the best ways to determine the value of something is to find out how much someone else is paying for it. To do this, you could try to find out how much a used version of something you’re interested in would cost. An example of this is by looking for the average price of auto leads and then find a used model of the same car. That way you’ll know what it’s worth used.

Find the Seller’s Weakness

Once you know what something is worth and how much someone is paying for it, you can use that information to your advantage in negotiations.

But rather than just saying “I’ll pay this much,” try to find out what the seller is worried about. What is he or she desperate to get rid of? What has been taking up space and not selling? Why is the seller in a rush to sell? Then, you can try to offer the seller something that will make him or her more desperate to sell. If there’s something the seller is in a rush to sell, you could try offering to buy it now.

Set a Deadline and Be Decisive

Now that you’ve found the seller’s weakness, you can use that to your advantage by setting a deadline. If there’s something that the seller is desperate to get rid of, try setting a deadline for when you will buy it.  You can also try being decisive about the price you’re willing to pay. Rather than saying something like “I’d like to pay about this much” or “I’d be willing to pay around this amount,” you can be decisive by saying something like “I’ll pay this amount” or “I’ll pay this price.”

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How to Make a Discount?

There are plenty of reasons to give your customers a discount. It’s a great way to reward your most loyal customers, it can incentivize customers to spend more than they normally would, and it’s an effective way of bringing down the cost of goods that you need to buy frequently

Fortunately, there are lots of different ways in which you can give your customers a discount on the goods that they’re purchasing. In this blog post we will explore some of the different strategies and techniques that you can use when offering discounts.

What is a Discount?

Discounts are reductions in the price of goods or services that are offered to customers before or during the purchase process. Discounts can be calculated in different ways and may be offered as a percentage of the original price, or as a fixed amount. 

For example, giving 35% off on your wholesale cabinets will make it so that a customer will want to buy the product.

A coupon is a form of discount that is given to customers as a one-off, non-transferable note that offers them a reduced price on particular goods.

Free Goods

One of the most effective ways to give customers a discount is by offering them a free good that has a similar value to the discount that you’re offering them. This could be a free accessory with a product that they’re already buying or a free additional product that they can use alongside the original purchase.

Giving customers a free product as an incentive to spend money at your store is a strategy that can be applied to a variety of different sales and promotions.

Free Trial Period

If your business sells a subscription-based service, you may want to offer a free trial period to new customers.

This is a great way to get new customers to try out your service for free, and it’s an effective way of incentivizing trial customers to commit to your subscription plan. A free trial period can be a powerful incentive for new customers to commit to your service as it allows them to try out your service for a limited period without spending any money.

You can also use a trial period to test and assess your customer service. By offering a free trial period, you’ll be able to better understand how your customers use your service and what they think of it.

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The Financial Requirements You need to be able to Sell Loans

If you don’t want to struggle with your finances when trying to get your small business loan, then you need to be aware of what kind of financial requirements you need in order to sell loans. You won’t always know exactly what is required until after you apply for the loan. But, there are things that can help increase your chances of getting approved for a loan.

The financial requirements for selling loans will vary from lender to lender, so it is important that you do some research before applying. In this blog post, we will go over the financial requirements needed in order to sell loans and how they can benefit your application.

Checking Account Requirements

One of the financial requirements is that you have a checking account. The lender will want to see that you have a way to receive the loan funds and deposit them into a checking account.

You will also want to keep track of the money that you earn from the loan. The lender will want to see that you are capable of tracking your expenses and income to make sure that you are paying back your loan.

There are a few different things that you can use as a checking account when selling a loan. You can open a new checking account, have an existing account that is still open, or have a joint account.

Monthly Income Requirements

Every lender has different monthly income requirements, but the general requirement is that you have enough income to cover your expenses and make loan payments. Your monthly income is what you earn from employment, government benefits, and any other sources of income.

How does Loan Origination Fee Help You?

One of the biggest benefits of a loan origination fee is that it can help you get approved for a loan. Lenders know that you have to make money in order for the loan to be profitable for them, which is why they charge a loan origination fee. However, the fee is added to the amount of money that you receive from the loan, which means that you have more money to pay back the loan.

These fees also help protect the lender from losing money if you default on the loan. If you need more information about the requirements you need to sell loans and its benefits, check mortgage sites.

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The Most Important Facts About Bonds: The Investor As Lender

Bond is the umbrella term for interest-bearing securities and debt securities made out to the respective bearer. There are public bonds (government, municipalities), covered bonds (bonds from mortgage banks), and corporate bonds (corporate bonds, industrial bonds).

Note: Premium bonds are interest-bearing security (bonds) for which the market value of the title is higher than the underlying nominal value according to the bond conditions.

For a company, a bond is one of the classic means of raising outside capital. Unlike loans, bonds are issued publicly, so anyone can lend capital to the issuer of the bond (also called the issuer). The bonds differ in terms of terms, currency, and interest rate. With a classic fixed-interest bond, the investor receives the interest on his account annually, at the end of the term he then gets the nominal volume or the nominal value of the bond repaid.

Bonds can also be sold on the stock exchange at the current price before the end of the term. Depending on the development of interest rates, terms, and creditworthiness, however, the market price changes in the meantime and – depending on various conditions, such as the creditworthiness of the issuer – can fluctuate significantly and be listed well below the nominal value.

Opportunities & Risks


  • Often smaller price fluctuations than with stocks
  • Little dependence on stocks – stock prices fall, bond prices rise or vice versa
  • More return than possible on the call money account


  • Credit risk: there is a possibility that the issuer of the bond will become insolvent
  • Yield opportunities are usually as high as with stocks
  • Interest rate risk: if the market interest rate changes, this also affects the price of interest-bearing securities
  • Price losses during the term are possible

What you should know about bonds:

1. Stocks don’t always pay more than bonds.
Between 1870 and 1940, stocks and bonds still yielded more or less equal returns. Only after World War II did stocks generate higher returns than bonds. Since 1950 z. For example, the stocks of large American companies brought annual returns of 13.4% on average. Long-dated US bonds, on the other hand, only returned 5.9%.

2. You can also lose money on bonds.
Bonds are not a guarantee of returns. While their maturity and interest payments are fixed, hence the term “fixed income” securities, their income is not yet known. They are subject to a number of risks, including the risk of total loss.

3. Bond prices move in the opposite direction to interest rates.
When interest rates fall, bond prices rise and vice versa. However, if you hold a bond to maturity, price fluctuations are not important. When the bond matures, you get your capital back. You will also receive any interest payments due.

4. A bond and a bond fund have nothing in common.
Assuming the creditworthiness of the issuer, you will receive the specified interest payment for bonds during the term. In addition, you get your capital back (less any costs paid, such as front-end loads) when the bond matures, unless the issuer (issuer of the bond) goes bankrupt. With a bond fund, you don’t know beforehand how much it will return. The value of the fund is subject to fluctuations.

5. When you buy newly issued bonds, you save money.
As a rule, you will receive them at the issue price without any additional surcharges. The situation is different for older bonds. The broker charges fees when trading bonds. Under certain circumstances, these surcharges are not insignificant and reduce future earnings.

6. Don’t invest all your retirement savings in bonds.
Inflation reduces the value of the fixed interest payments on the bonds. In contrast, stock returns tend to keep pace with inflation. Young and middle-aged people should focus their investments on equities.

7. Issue an exemption order.
If you order bonds through your bank or broker, you should issue an exemption order at the same time so that the interest income is not fully taxed. The allowance for single people is currently EUR 801 per year (source: Federal Ministry of Finance ).

8. Pay attention not only to the interest but also to the total return.
Yield is a thing in the bond world. You buy a bond with an interest rate of 8%. But if general interest rates rise and the price of the bond falls by 3%, the total return for the first year would be only 5%.

9. Capital gains from long-term bonds.
If you speculate on interest rate movements, you should buy long-term bonds or invest in bond funds. If interest rates fall, long-term bonds will rise faster than short-term bonds. So you get a potentially large return on capital on top of the interest that the bond yield. However, if interest rates rise, you can also lose more accordingly.

The longer you invest, the higher your profit

Typically, the longer the term of a bond, the higher the coupon. The difference between 5-year Treasuries and 30-year bonds is often a full percentage point or two. Because the longer the term of a bond, the longer the owner will receive a low-interest rate in a general rise in interest rates. And the greater the risk, the greater the potential reward.

Read also: Financial Products That Are Suitable To Trade

Likewise, the interest rate that a bond yields is directly related to the level of risk of the bond. The safety of treasury bills can e.g. For example, in the bond world, it’s hard to beat. That’s because the government could print more money to pay them back. But even federal bonds are not immune to the laws of the economy. Should the government print a lot of money just to redeem its bonds, inflation would skyrocket. The bonds would be worth less that way.

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Beginner’s Guide To Real Estate Investment

Investing in real estate can be an excellent way to create wealth. However, it is important to remember that not all investments are the same. If you invest in a new development, for example, there is less risk than if you purchase an existing property.
Some of the best investments currently available are properties rented out for residential purposes. They ensure higher yields and less risk.

If you want a good investment, then it’s time to take your search off the internet and head to the nearest real estate agency. This article will discuss what you need to know before buying a house locally to stay ahead of the competition, learn real estate investing,
and ensure that your investment is worthwhile.
An excellent way to gauge which type of property is right for you is by looking at the housing market in your area. You should also consider the funds you can spend, what type of property you want, and how much time are willing to invest in this purchase.

Real estate investing can be a complex process to understand. It is necessary to understand the market, the housing market, and different types of properties to succeed in this industry.
This guide will provide quality insight into real estate investing, how it works, and what you need to begin investing in real estate.
It provides information about the pros and cons of investing in different properties, such as residential or commercial. The guide also helps facilitate a better understanding of the type of investment you want to make before committing any money.
The article also discusses how real estate investing can be lucrative if done correctly.

It seems like the real estate market is booming. People are buying houses more than ever before, so the competition among investors is heating up.
This article will briefly introduce the real estate world and provide you with general information on how to invest in it.
To make an intelligent decision about where, when, and what to buy, you must have all the relevant information.

Real estate investment has been the fastest way to generate income and cash flow. It also provides shelter, which has been the primary objective of most real estate investors. However, since the market is constantly changing, new property owners must always be ready to adapt to new strategies accordingly to make sure they are not missing out on a good opportunity. This article will provide beginners with a guide for investing in this market and warnings about common pitfalls that may arise for newcomers.

The first step all beginners should take before investing in real estate is to evaluate their finances and determine what amount of investment they can afford.

Allocating your investments wisely is important because investors should not put all their eggs in one basket or invest too much money into one property.

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Maximize Cash Flow for Accounts Receivable Management

How to Manage Accounts Receivable and Cash Flow for Business

Managing accounts receivable and cash flow is an important aspect of any business. It ensures that the company has enough money in its bank account to keep the business running smoothly.

There are many ways to manage these two aspects of a business. For example, companies can use automated tools to make sure that they are not losing any revenue due to late payments or they can even outsource this task to freelancers.

Read also: Various Effects of Banking on Small Businesses

What is cash flow management?

Cash flow management is the process of keeping a company’s cash flow in balance with its income and expenses. It is important to manage cash because it goes a long way in helping companies make decisions and adapt to changing conditions.

Net 30 accounts are the best way to make sure that your business is always on track with its cash flow. By paying for services on a net 30 basis, you can be sure that you won’t have any financial issues in the future. Check out NET 30 Account list with easy approval here.

Track Account Receivables for Maximum Returns

Account receivables are the money that is owed to a company. It is important to know how to implement and track accounts receivable for maximum returns.

Account receivables can be managed in a number of ways, including the use of an online accounting tool. The use of an online tool can help you track your customer’s payments and manage your accounts receivable efficiently.

Accounts receivable management is one of the most important aspects of any business. It helps companies maintain their cash flow, as well as make sure they have enough funds for future expenses.

Track and Forecast Sales & Cash Flows with Effective Tools

With the help of sales forecast tools, businesses can track and forecast their sales and cash flows to make informed decisions.

These tools are helpful for businesses that want to increase their revenue by forecasting their sales and cash flows. They also provide a way for businesses to manage their inventory effectively. and know when to place new orders.

Sales forecasting tools give businesses a way to track and forecast their sales, income, and cash flows in order to make informed decisions. With the help of sales forecast tools, businesses can predict what changes might occur in their business that will affect profitability.

This includes both positive and negative events that could take place such as seasonal fluctuations or new legislation. Sales forecast tools also help businesses plan effectively and manage inventory by knowing when to place new orders.

Sales Forecasting Tools-What are they?

The importance of accurate sales forecasting is the key difference between a successful business with healthy cash flows and one that struggles to stay afloat. In particular, sales forecasting tools can help businesses make decisions about how much inventory to order, how much advertising to buy, or whether the market share is increasing.

Sales Forecasting Tools are tools that businesses use for sales forecasting. This includes Market research surveys with questions about expected sales and responses from customers about the likelihood of purchasing a product in the foreseeable future. These surveys are always looking for key insights into why customers may or may not purchase a product.

The key insight is to use the information that the survey provides to create a sales forecast. Once a company has collected data about all of its customers, it can calculate an average for how many units of each product will be sold. The company then takes this average and multiplies it by the desired margin, which is typically 10%. This gives them an expected profit per sale.

If a company needs to sell more units of one product than it expected, it can adjust its forecast accordingly. If the company wants to reduce expenses, it can choose a lower margin to account for the lower sales and vice versa.

Why Marketers Need a Proper Invoice Management Strategy

With the rise of subscription-based business models, it has become crucial for marketers to implement a proper invoice management strategy.

The invoices are a valuable source of customer data that can be used to understand their needs better and create custom content for them. A good invoice management strategy will help marketers make sure that they are not missing out on any opportunity.

The need for invoice management software is evident from the fact that most businesses have started using invoices as a marketing tool.

Optimizing Your Invoice Processes with Software Solutions

The invoice process is a complicated and tedious one. With the help of software solutions, it becomes easy to organize, track and manage invoices.

Invoices are important for any business as they are a key to cash flow management. They help in managing your cash flows by tracking the amount of money that you have received from your customers, thus enabling you to make better decisions with regard to how much money you need to spend each month.

There are many software solutions available on the market that offer different features. Some of them do not require an installation while others require a significant investment in terms of time and resources. It is important for businesses to evaluate their needs before choosing which software solution will be right for them

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Financial Products That Are Suitable To Trade

Trading is already possible with small seed capital. Thanks to electronic trading, you only need at least €1 starting capital for trading. Many brokers do not even require a minimum deposit. Real money accounts can be opened from €0. However, there are also restrictions on certain financial products. With Traders with Edge, you can trade from currencies to indices.

Use a free demo account first:

Another method to get started with no seed capital at all is the demo account. It is an account with virtual credit (play money). Trading simulates real money trading under the same conditions. All well-known brokers offer a free demo account. This has the advantage that beginners can try trading first before investing real money.

When trading in the demo account, you will not incur any costs. In addition, most demo accounts are unlimited and you can recharge them with virtual money at any time. Beginners and advanced traders can try new markets, strategies, and trading methods risk-free.

Which financial products are suitable?

Not every financial product is suitable for small start-up capital. Overall, there are countless different financial products that are traded either directly on the stock exchange or over the counter (OTC).

Forex (currency trading)

When trading between currencies, only a very small starting capital is required. Positions can be opened with just a few cents of risk. It is also possible to work with leverage and thus increase your profit.

CFD (Contracts for Difference)

CFDs are offered on all possible markets. It is an over-the-counter trade between the trader and broker. The advantage here is that you can use very little capital. The CFDs are mapped to a value on the stock exchange. Here, too, leverage is used, which can affect profit and loss.

Stocks and ETFs

Stocks allow you to participate in companies. Gains and losses resulting from price fluctuations. In addition, a dividend is distributed by the company. The starting capital for this can vary depending on the share / ETF price. Depends on the price of the stock/ETFs. Some shares cost over 1,000 euros, others under 5 euros.

Futures contracts

For futures contracts, you need a larger starting capital, because the position sizes and the tick value are very high. With accounts under €5000, you shouldn’t start with futures in my opinion as it doesn’t really make sense. Very high starting capital of €5000+ required. The position sizes are very high despite the low margin.

Options and certificates

These are popular leverage products with conservative investors. The starting capital here is in the middle range. Options can be traded for just a few hundred euros.

Read also: Should Forex Trading Be Considered Art?

Forex and CFDs are best suited for any retail trader

Do you want to start trading? – Then Forex (currencies) and CFDs (contracts for difference) are best suited. The advantage here is that you can variably adjust your position size in small increments. Denominations and very small as well as large position sizes are possible. The Forex market is one of the most liquid markets in the world and is also very popular because there are many trends.

Forex and CFDs are also offered with leverage. This allows the trader to trade larger position sizes with a margin (security deposit).

Stop Loss.  The risk is determined with a stop loss. It is an automatic loss limit that closes your position at a certain price. If your position of €3000 now loses the value of €100 and is only worth €2900, you will automatically close the position.

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How Politics Impacts Claims on Personal Injury Cases

Personal Injury Lawyers


When you are injured in an accident due to someone else’s negligence, the method will be a bit confusing. This process involves finding and hiring an attorney like Queens personal injury law firm, understanding the laws governing personal injury, filing a complaint with the opposite party’s nondepository financial institution (or lawsuit if necessary), gathering evidence, attempting to settle, and so if necessary, visiting trial.

After filing a lawsuit, the judge appointed to the case is of utmost importance, since the judge’s organization affiliation may influence whether or not they agree or trouble the plaintiff’s lawyer’s view of what’s fair in an exceedingly given accident, malpractice, or personal liability case.

Trial lawyers who represent personal injury lawsuits have generally supported Democratic politicians, with one amongst the most reasons being because they often oppose caps on damages in personal injury cases while many Republicans have supported limits.


The limits in Texas for medical malpractice include a maximum recovery amount of $250,000 cap on noneconomic damages like pain and suffering and $500,000 on decease cases.

In cases with multiple defendants, the cap remains set at a maximum recovery amount of $250,000 for noneconomic damages against all physicians, and $250,000 against one hospital or $500,000 against two or more hospitals for a complete of $750,000. But having multiple hospitals involved is unlikely, and thus the $250,000 cap is the typical reality.

This series of bills, sometimes said as “Tort reform” are intended to:

  1. Make it tougher to file injury lawsuits and
  2. Make it harder to gather meaningful amounts of cash from injury lawsuits.

These efforts benefit large industries to the detriment of the overall public.


ALSO READ: 27 Must-Watch Shows for Political Junkies


Republican judges are supporters of tort reform for the subsequent reasons:

  • Most Republicans believe that lawsuits are a style of regulation that hampers business. Without complex lawsuits, businesses could make more decisions based purely on profitability, without much concern for the protection of their products.
  • Most Republicans are supported by industries that are often sued in personal injury lawsuits (doctors, pharmaceuticals, oil, gas, transportation, etc.) or that foot the bill in lawsuits (insurance companies.)
  • Most trial lawyers are Democrats and provide campaign contributions to Democrats.
  • Tort “reform” drastically reduces the number of cash trial lawyers can earn. The less money an endeavor lawyer earns, the less he or she will give to Democrats.

Texas has become the small fry for tort reform. Litigation paid claims, and premiums are slashed in half after sweeping reforms were passed in 2003. Applications for Texas medical licenses have surged and therefore the malpractice payout per capita in 2016 (at $3.25) is one of the all-time lows within the country.

Why do medical malpractice payouts vary such a lot from state to state? the solution is complicated. Each state’s medical liability system represents a fragile and convoluted interplay between physicians, lawmakers, and patients.

Additional factors include supply and demand (such as what percentage of attorneys are within the state) But the foremost important one is political affiliation. And after all, in the end, it’s all about money.


In summary, here’s how the method works, Republicans try and advance their cause by promising tort reform measures. That gets dollars flowing to the Republicans. If the measures pass, it cuts into the quantity of cash trial lawyers can give to Democrats.

So by pushing for tort reform, the Republican Party simultaneously increases its constituency, increases campaign contributions, and defunds the Democrats at the expense of the elderly and therefore the poor, since they need little or nothing to indicate for lost earning power under economic damages.

But mainly the question remains… are patients who are genuine victims of physical injury in Texas receiving the compensation they deserve? Our physical injury attorneys work with victims each day to undertake to get for them the utmost compensation available supported each specific case.


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Finding Finance & Los Angeles Lawyer

It is often not so easy for clients to quickly find the right Los Angeles auto car crash lawyer. There is a dense supply of lawyers, which makes it even more difficult to decide which lawyer to consult.

What factors must be considered when choosing a finance and Los Angeles auto car crash lawyer?

The lawyer you contact should first and foremost specialize in the respective area of ​​law and also have the relevant experience. For example, if you need a lawyer in connection with an auto car crash accident, you should therefore contact an experienced lawyer specializing in this field.

Finance and Los Angeles auto car crash lawyer: The importance of online reviews

Reviews from other clients can be a crucial factor in choosing a finance lawyer. However, it is advisable not only to pay attention to the classic point ratings but also to read the actual review texts.

Searching for finance and Los Angeles auto car crash lawyer on the Internet: What should you look out for?Los Angeles auto car crash lawyer

As a rule, it is not enough if you get results from Google or other search engines and then simply contact one of the lawyers at the top of the list of results. It is better to first get a more detailed picture of several lawyers before you decide on a lawyer.

Be sure to visit the respective homepage. Virtually every law firm has its own website these days. There you will find all information about the law firm or the lawyer you are interested in as well as about the areas of activity, focal points and core competencies. If the website is not meaningful and does not present the lawyer and his work transparently enough, caution is advised.

How do you prepare for an appointment with finance and Los Angeles auto car crash lawyer?

Make sure that you collect all relevant documents in advance and, if possible, take them with you to the first appointment. In this way, the lawyer can immediately gain clarity about the facts of the case. You should also try to remember all the essential details of the matter at hand. Details relating to the case can also be decisive in the further course of the proceedings.

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