2019 is the Perfect Year to Invest

Even though the first half of the year 2019 is about to end, it is not yet too late for you to determine what best money habits to pursue this year. Maybe you have already figured out a smart way which is investing and you tried it last year. However, 2018 is not a very good year for our money because it is the year when stock market falls, there are changes in banking royal commission, Trump hysteria, and crashes of property market. 

One of the fastest way to earn money from a small portion of your savings is investing in stocks such as WOT Trading because it is an interesting way to introduce and approach this thematic. If it is your first time to to invest, you might be wondering how much should you be investing. I recommend you to invest 10%–20% of your income gradually, even if it’s not that big. The simple explanation to this is you should not invest you cannot afford to lose. There are risks and some situations are out of our control.

If you are starting to feel like 2019 is the year that you must start investing money then you are right. But where should you invest your money this year? This is a question that is sometimes hard to answer. While we cannot say that investments are guaranteed, we have listed two of the best investment options starting this year:

Stock Market- if you have been keeping yourself posted with the stock market, you will now that there are twists and turns lately and there might be a lot of correction on the way. S&P 500 will have lost all its profit in 2018 by the end of the year. However, if your goal to for long term investment, then you don’t have to worry to much.If you are not comfortable of buying individual stocks, you may consider putting your money in globally diversified, low-cost index funds 

Peer-to-peer lending- this is another place to invest your funds. There are platforms that let you borrow money to individuals where you will get the interest when they pay off the loan. While the return may vary depending on how risky your choices, the interest may go up to 6% or more. If you are afraid that someone may run away when you let them loan money from you, platform like Lending Club allows you to diversify your investments to over hundreds of loans in increments as small as $25.

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House Democrats Finally Moving Forward with the DREAM and Promise Act

The DREAM and Promise Act, is the latest version of the legislative proposal that seeks to establish guidelines and processes to be observed when granting approval for residency to undocumented immigrants who were minors at the time of their arrival, or entry in the U.S. The bill also merges similar initiatives for the group of illegal immigrants that previously received protection from the 2012 DACA, counting from their age as minor upon arrival in the U.S toward date of enactment as immigration law..

DREAM stands for Development, Relief, and Education for Alien Minors, while DACA stands for Deferred Action for Childhood Arrivals.

Origin and Development of the Proposed DREAM Act

DREAM had its origins in the 2001 DREAM Act introduced in the Senate as a bipartisan proposal initiated by Senator Dick Durbin (Dem-Illinois) and Senator Orrin Hatch (Rep-Utah). The 2001 DREAM Act though failed to pass muster in Congress, despite several re-introductions; therefore  it never received full recognition as immigration law.,

In 2017, Republican Senator Lindsey Graham, sponsored the DREAM Act of 2017, which sought to give recipients of DACA 2012, opportunities for stabilizing their U.S. residency and increase their potential for becoming citizens of the United States

Should the current proposal, entitled as DREAM and Promise Act receive Congressional approval, as many as 2.5 million people will be able to apply for legal status, and have the chance to take a path that could ultimately lead to a US citizenship status.

Understanding the Need to Include DACA Recipients in the DREAM and Promise Act

First off, it must be understood that DACA or Deferred Action for Childhood Arrivals is not a law but merely a program created under the Obama Administration in 2012. The program’s goal was to provide protection to young immigrants aged 16 and below, from potential deportation proceedings, whilst affording them opportunities to enroll in schools, land jobs, and even serve in the military.

In order to enjoy such privileges, undocumented immigrants requesting for DACA protection from the US Citizenship and Immigration Services (USCIS) must meet certain qualifications, particularly pertaining to age eligibility at that time the program was introduced in 2012. However, in 2017, a year after Donald Trump’s assumption of office as president of the United States, Trump ordered the cancellation of former President Obama’s 2012 DACA protection program.

The move however, met several lawsuits including legal challenges filed by several U.S. states. Although the presiding courts ordered the USCIS to grant renewals of existing DACA protection, decisions on the matter is still subject to review since DACA is only a program and not a law.

In the state of Arizona, and even before Donald Trump had made good on his plans to implement certain changes in the country’s immigration policies, the City of Tucson had published and circulated a “Resource Guide for Immigrant Families. The publication, which contained information about local support and legal options available in Tucson, it also gave advise to know one’s rights by seeking assistance from Tucson immigration services.

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Overall Impact of Inflation

There are countless factors that create inflation in an economy. This could be due to the rising commodity of prices, the ever-increasing oil prices and so forth. All this translates to higher petrol costs among consumers. You might find it hard to believe but stronger and booming economics is also a factor for inflation. This is because the increased demand for services and goods puts more pressure on supplies that can result in businesses raising the cost of their products.

How Your Investments and Savings are Affected?

For savers, inflation is just bad news. It erodes your money’s purchasing power.

Additionally, the low rate of interest does not help either because it makes it more difficult to get returns that could keep pace with the increasing cost of living.

The high inflation can even drive down the cost of bonds. Basically, this makes it less attractive, for you are locked at a certain rate of interest; interest that might not be able to keep up with the standard of living for the subsequent years.

One option being looked at is index-linked gilts. These are basically government bonds to which the interest value and payments at redemption is adjusted as per the rate of inflation.

Investing in equities can offer better protection towards inflation than bonds or deposit accounts. This is because they are not index-linked since companies have the power to raise their prices in order to cover the increasing costs. That being said, it should allow them to grow at the rate of inflation.

Companies Acting as First Line Defense for Inflation

Companies that are raising their prices in line of inflation have a tendency to fare better compared to others when the standard of living increases.

To give you an example, energy companies might do well in inflation because they can increase their prices in line with inflation or just when they feel to. Infrastructure companies like the ones in charge for government buildings, toll roads and the likes might do well too since they have long term contracts with the government with payments that are associated to inflation. This basically encourages the private sector to keep pouring investments.

Other known companies that are resilient to inflation are those that produce drinks and food or any essential items like toothpaste, cleaning products as well as prescription drugs. If you want to survive inflation and help your economy at the same time, then you better start investing in any of these business ideas and apply for a payday loan to get funding.

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The Impact of Politics on Fiscal Policy

The financial structure in a country echos and forms various business and political organizations. Financial markets are always at risk due to changes in the political, social or technological circumstance of a country. In order for a nation to have a balanced financial structure, its governance will need to have risk modeling which means the application of tactics to be able to identify the financial risk. The approaches involve identifying the risks in the market, valuation, historical simulation, or intense value principles in order to assess a financial scenario and predict the deficits.

Politics is regarded as among the operational risks (apart from legal risk) in finance which can be handled by operational risk management. This form of challenges confronts the investors, regulators, and businesses in all areas including trading companies such as pheeva.com. Politics have macro and micro-level risks. The macro-level have identical influences throughout all foreign personalities in a specific area. Consequently, it impacts all players in a country. The micro-level centers on a firm, sector or project-specific issues.

The political environment has a direct effect on the finances of every single business regardless of the size. Politics is a process by which selected individuals make collective resolutions to create public regulations. Politics demonstrate authority by which the government manage and control to obtain internal stability. When the government fails to control and keep stability in social, economic, and political security, this highly affects the financial aspect of the nation resulting in possible inflation.

Political Freedom and Economy

The link between political freedom and the economy is critical. Political freedom is associated with the principles of equal rights, human rights, and civil protections. It offers the nation a chance to start a new that betters people’s well being. Failure in political governance as a result of corruption, unjust economic conditions, and divided decision lead to political revolutions.

  • State authority crisis represented by military pressure, succession crisis or serious corruption. This could indicate the surge of private sectors opposing the ruling government.
  • Considerable divisions between national, military, economic as well as religious groups.
  • An unfavorable economic situation for workers may be a major factor in government failure.
  • Extensive opposition culture uniting various social and political organizations and promotes opposition towards the government

Political revolutions are classified as activities that seek to alter the federal government as well as the political structure which leads to lack of stability in the inner political scenario which has an unfavorable impact on the economy besides the damage of the framework.

Every country has a unique and different socio-economic and political issues. And with this unique structure of each political system, it has to be dealt with differently in accordance with the needs of the people. Severe socio-economic conditions highly affect the financial aspects of all areas in the community. High costs in consumer products, high demand-low supply, decrease in the value of a currency, and more can lead up to serious poverty within the nation.

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A New Wave of Currency and Investment is Here!

If you’re into finance, and tech-savvy at the same time, then you probably have a good idea of new kind of currency used by many. Most probably, you’ve read about Cryptocurrency. You certainly have plenty of questions running into your mind. For instance, the advantages of these digital currencies, how it is used, how it can be acquired, what you can do to make money out of it and everything in between.

In the event that you are clueless or only have the slightest hint of it, then you better stick to this post.

Is Crypto Better than Cold Cash?

Cryptocurrency or digital currency in layman’s term carries lower transaction fees compared to credit cards or online payment gateway systems. There are even instances that there’s no need to pay any amount for the transaction. In the process, it helps in saving a huge amount of cash.

Due to the reason that this is digital cash, there are no borders involved. In traditional approach, you ought to pay fees should you wish to send money overseas wand this excludes the cost for converting from your native currency to another. When sending digital currency on the other hand, it costs nothing to send it regardless which part of the world. You’d pay nothing so long as you are willing to wait for the digital currency be sent.

Decide: Invest in Crypto or Just Keep Your Money in Banks?

These days, a great number of banks are charging clients monthly for a certain fee. There are cases as well that banks have hidden charges they pass on to clients unbeknownst to them. Fortunately, anyone can register for a digital wallet for free and free themselves from these hidden charges.

Given that you have a digital wallet, you can take advantage of it by using it for storing digital currencies you earned as you invest it to stocks.

Yes! You read that right. Much like in real cash, there are trading platforms intentionally made for cryptocurrency where you can make money. Truth is, there are lots of remarkable sources that can be used. If you’re interested, then check out crypto signals by VIPsignals.

The Hard Truth

Like it or not, traditional form of money is gradually losing value as time goes by. And this is a result of various factors like inflation. Investing in digital currency however is a totally different thing. Most currency types have fixed period upon new coins are created. The demand for cryptocurrency shoots up as increasing number of people becomes interested in it. In investment perspective, it increases the value of your digital currency yielding to higher ROI.

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College Affordability Proposal : A Likely Topic Up for Debate in DNC’s Presidential Nomination Contest

The Democratic National Committee (DNC) is all set to stage the first of the sanctioned candidate debates, come June and July 2019. One important topic stands out as a common proposal among candidates qualified to participate in the debates: College Affordability.

Mark Huelsman, a prominent think-tank Senior Policy Analyst, believes qualifying candidates for the debate, will likely argue on which college affordability proposal makes the most sense; or if it is even sensible at all.

A nationally recognized expert on college affordability and Asso. Director of Policy and Research at Demos, Huelsman says that during the past years, left-leaning policymakers and economists have been building a consensus that some kind of student-debt cancellation may actually be beneficial for the U.S. economy. Huelman mentioned further that


“You’re going to see some pretty bold proposals on debt relief or debt cancellation from candidates.”

Only one candidate thinks that free college tuition or debt-free college is not viable. Minnesota Democrat Senator Amy Klobuchar said

“I wish — if I were a magic genie and could give that to everyone and we could afford it, I would.”

College Affordability Proposals Backed or Mulled on by Democratic Presidential Candidates

College affordability proposals come in 7 topics: Tuition-Free College, Debt-
Free College, Student Loan Servicer Regulation, For-Profit College Regulation, Student-Loan Refinancing, Debt Relief and College Accountability. Of the 7 proposals, only Tuition-Free College and Debt-Free College have definite plans for whom and on how they will be carried out.

Tuition-Free College

This proposal vows free tuition for all, regardless of financial need; allowing students with low income or coming from low-income households to actually have a chance to participate. Free-college for all intends to include those coming from wealthier families as it may attract political buy-ins that would make the program work.

Bernie Sanders, Vermont’s longest serving Independent Senator, will continue to push the tuition-free education in public colleges that he unveiled previously in the 2016 elections. His proposal includes imposing taxes on institutions involved in investments trading of stocks, bonds and their derivatives, as a way of raising government funds for the program.

Debt-Free College

Although similar to the Tuition-Free College proposal, it has a different context as embodied in the Debt-Free College Act of 2018 introduced by Sen. Brian Schatz (D-Hawaii), along with House Rep. Mark Pocan (D-Wisconsin-2). The proposed bill aims to create a new partnership between federal and state governments, focused on providing funds to the country’s neglected system of public colleges. The goal is to provide students with free and flexible training, without having to worry about steep tuition fees or onerous student loans.

Here, students from working-class families will have priority, and will extend to students coming from public and private Minority Serving Institutions. The Debt-Free College Act will also restore eligibility of non-violent drug offenders.

Current Democratic presidential candidates who co-sponsored this bill include Sen. Elizabeth Warren (MA), Sen. Kirsten Gillibrand (N.Y.), Sen. Kamala Harris (CA) and Sen. Cory Booker (N.J.).

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Transparency In Financing Political Campaigns

The appeal for transparency is not just a trend that will gradually fade over time. Voters around the world demand that politicians publish more of their personal, financial, as well as other important campaign information than ever before. This demand results in the government launching and testing new initiatives to encourage a transparent political agenda as demonstrated in providing access to government data to simple yet easy to use government websites.

Need Money Now fast loans may provide your political career a boost but there are other sources that candidates may consider. The bottom line of it all is that funding is critical at this period of any political career.

Traditionally, the media has been responsible for keeping the government honest with voters. With the surge of social media, blogs and other regulatory organizations, the demand for political transparency had become easier than in the past few decades. Politicians and other public figures is subject to strict public scrutiny in the words they say to the tiniest action they do. This growing demand for political visibility is among the feature that the modern campaign process embodies. Regardless of the political strategy that politicians follow it is still important to adhere by the law in campaign financing to avoid dissolution of campaigns.

Where to start with political transparency? Is it important?

The presidential campaign in 2016 proved that American voters would like to choose candidates that seem to have nothing to conceal. Voters would like transparent politicians who act, discuss and make day-to-day choices that reflect the best interests of their constituents. A single false move from a vying politician will lead voters to rethink about the credibility of a candidate.

The political manager who wins the competition must recognize the value of transparency in the period of campaign. Without having transparency, voters may cast distrust on candidates and even persuade a full investigation of their financial or personal transactions. This may become an inflammatory story of the media that may result in the waste of the advertising campaign. In order to get rid of these rumors, honestly carry out promotional activities from the beginning, focusing on key areas, such as discussing campaign finances and personal affairs in traditional media and through social media platforms.

The Media Being A Government Regulator

As mentioned earlier, the media has traditionally served as a government regulator, regardless of any corruption or embarrassment. The media continuously uncovered corruption, from the Watergate scandal to Bill Clinton’s infidelity. They conveyed to the voters the insider information inherent in the political system. With this in mind, the relationship between your candidate and the media is crucial. Willingness to resolve rumors, make statements and share a variety of Intel can make any political figure less likely to be the target of the media.

The main issue that causes tension between the politicians and the media is the changing readership audience and readership expectations. With the rapid decline of print news and the surge of a sensitive 24/7 news cycle, media organizations must regularly promote compelling stories to attract and retain the attention of their audience.

This is the key to high fixed costs. Long-term survey work requires more resources than small-scale reporting. At the same time, American voters tend to focus more on rapid scandals and complex corruption cases than on candidates’ long-term support for a specific cause, or legal work to boost certain low-key or less-obtrusive community characteristics, such as environmental reforms and proposal for urban housing.

This means that your campaign must carefully craft a plot with the media rather than giving them any reason to incite all aspects of the candidate’s business transactions and even invade their personal life. Should they have any scandals that can be revealed, resolve these scandals rather than making your campaigns look like something had been hidden.

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The Guardian Identifies 3 Foreign Personas Whose LLC Contributed Funds to Trump’s Inauguration

Under US election laws, foreigners are barred from contributing money as aid to finance political campaigns, including inaugurations. Non-resident foreigners in particular, who are found to have knowingly or unwittingly violated such rule will be fined and/or prosecuted. In Trump’s case, the inaugural committee in charge of handling the presidential inauguration, accepted donations from US registered shell companies that had direct connections to foreign nationalities.

In business parlance, a legal entity becomes a shell company if after incorporation and registration it continues to exist only on paper, as it does not engage in any business activity, maintain employees, or set up an office, but may hold a bank account and other types of passive investment.

The Federal Election Commission (FEC) asserts that the use of shell companies poses as problem in determining and ascertaining the legality and transparency of political donations. However, recent developments related to other investigations concerning Donald Trump’s activities as incumbent president of the US, have prompted Attorney Generals in Washington D.C. and in New Jersey, as well as federal prosecutors in New York to demand documents supporting the contributions accepted and spent by Trump’s Inaugural Committee.

The Guardian Follows Paper Trails Leading to the Identification of 3 Foreign Nationals

In verifying the list of donations accepted by the Trump Inaugural Committee via documents submitted to the FEC, the Guardian took note of three (3) indeterminate corporations that handed over $25,000 donation each for Trump’s inaugural ceremonies. In following the paper trail, The Guardian was able obtain documents and information that led to the identity of foreign nationals connected to the shell corporations.

Cyrus Vandrevala, a London-based financier tied to a shell company registered as Sierra Vista LLC in Delaware but with business address in Wayne, Pennsylvania. Born in Mumbai, India, Vandrevala holds an Indian passport obtained from Delhi. He is related by affinity to Niranjan Hiranandani, president of a prominent real estate lobby group in India, and is recognized as one of the country’s wealthiest member of the Indian real estate industry.

Cyrus Vandrevala, a son-in-law of Hiranandani, claims he funds property developments in India, whilst also operating property development firms in the US. The firm claims to have amassed $7 billion in investment funds for building homes in Mumbai and Pune, cities in which Trump Towers are located.

David Sean, an American-Taiwanese businessman also known as Pong Hsiang and creator of Jan Castle LLC, a shell company with only a mailbox address to show, yet able to have made a $25,000 donation to the Trump Inaugural Committee.

Records obtained by The Guardian from various state authorities across the US show that Sean has created several other shell companies somewhere in California, Georgia, Florida, Nevada and Wyoming during the past two decades; using only 10 mailboxes as addresses.

In a telephone interview with Sean’s wife, The Guardian learned that Jan Castle LLC was created for and in behalf of 3 Chinese investors, one of whom was identified through the company’s original filing documents as Jianning. David Sean though, later denied his wife’s interview statement, and refused to discuss the business activities of Jan Castle LLC and the people behind it.

Elon Lebouvich, an Israeli real estate businessman who created a company called New York State Property Management Corporation. It paid a $25,000 contribution to the Trump inaugural fund 3 days before Trump was sworn-in.

The Guardian got hold of information from Brooklyn City records that Lebouvich, currently has an ongoing retail property development project in Crown Heights, worth $5 million. The property being developed is owned by another LLC owned and controlled by the mother of Lebouvich’s legal counsel.

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