Bandar Judi Online And Bankroll Management

Bandar judi online or online gambling is a form of entertainment that many individuals enjoy and It has been a very popular leisure activity across the globe. With modernization, the emergence and growth of the internet brought about the creation of web-based casinos. Today, it is an industry that ropes in billions every year.

Key Reasons Why People Engage In Online Gambling

There are different reasons as to why individuals choose to play at bandar judi online. Below are major reasons:

  • GAME VARIATION. Bandar judi online offers a myriad of gambling games, from easy slot games to skill-based games like poker. Hence, there is plenty of games to play and plenty of chances to win.
  • PORTABILITY. With the advancement of technology, you could now play your favorite online casino games or engage in sports betting using your laptop, tablet and even your smartphone. Together with the internet. This means you can take and play your games just about anytime and anywhere.
  • ENTERTAINMENT FACTOR. Many would agree that bandar judi online is extremely entertaining and is the perfect activity to pass the time as the games are designed to give players a protracted engaging and enjoyable experience.
  • POTENTIALLY PROFITABLE. We can’t deny the fact that people engage in online casinos or sports betting to win and earn some money and of course to hopefully win the jackpot prize.

While bandar judi online is enjoyable and potentially lucrative, it is imperative to take into consideration your finances. Otherwise, you may end losing more than you expect. This is why bankroll management is a crucial and key element when engaging in gambling, whether online or offline. Basically, it is learning, being responsible and discipline in handling your funds (your gambling budget) if you would want it last longer in any online gambling game you engage in.

The Basics of Bankroll Management

Before adding to your bankroll, you first need to have an understanding of the basics of bankroll management. The concept of bankroll management is to properly and efficiently manage your money to avoid losing all that you have early on.

A lot of bettors make great effort to avoid making large bets and/or chase their losses. When bettors chase their losses, they make huge and more-frequent wagers in the hopes of recovering the losses they have made earlier. Furthermore, it is important that you have a solid and effective plan or strategy to implement. Below is a simple illustration:

  • You have $1000 allotted for your bankroll
  • Break your $1000 bankroll into 100 units (number of wagers) which would give you $10 per unit
  • You then only bet a single unit on every outcome. For instance, if you play blackjack, you only bet $10 on every hand

The exciting thing regarding bankroll management is that there is no single bankroll management plan that would match everyone needs. Furthermore, a bankroll strategy that works for one may not work for you. The good thing is that there are numerous strategies that you could try and discover the best one for you.

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How To Manage Your Budget for Online Casinos

Financially successful man

 

Handling your internet casino budget is just one of the most essential things to take into account when betting online.

Active gamers earn around 11 percent of all internet users. Therefore, it makes sense that online casino gamers are constantly on the watch for new approaches to help them become very good. Not everybody finds it effortless to keep an eye on cash when playing internet casino games. However, there are a number of approaches to make managing your budget simpler.

Let us find 3 suggestions to make handling your cash easier.

Set a budget and stick to it

Placing a gaming budget early on will be necessary if you wish to steer clear of undesirable inconveniences. Handling your internet casino budget is about planning and diluting your financing so you may spend them in the most conducive way to create winnings.

As an internet gamer, it’s crucial to devote a fixed quantity of cash to your gaming in order to don’t wind up using fiscal resources which will otherwise be spent buying essentials or paying invoices.

It’s no secret your odds of working out of cash are greater in case you put bigger bets, therefore, where possible, attempt to play and place per game in addition to overall gaming limitations. Stop as soon as you arrive at the limit of investing in a specific quantity of money.

Moreso, take advantage of those bonuses offered by casino sites such as Springbok Casino (check out the fresh list of Springbok Casino bonus codes at Kiff Slots) to mitigate the risk of losing money. Chasing losses may also eat into your budget, so in the event that you notice you’re dropping constant rounds and emptying your own accounts, it’s in your best interest to have a break to refresh.

Utilize a paysafecard

Even a Paysafecard is a special means to deal with your internet casino budget and lets you play online games employing a prepaid charge approach. You don’t require a bank account or a credit card to utilize a Paysafecard and you’re able to buy vouchers in revenue outlets such as supermarkets, newsagents, and petrol stations. Unlike credit cards, even Paysafecard may be utilized as a way of spending charge by preventing users from moving overdrawn.

Among the principal advantages of a Paysafecard is the fact that it supports multiple currencies. This usually means that in case you utilize online casinos with diverse monies, you can handle your payment processes from one stage.

Robust security makes sure your information is secure, and you might also monitor and manage all your payment arrangements in real-time. This is very valuable when playing online casinos since it’s a lot simpler to adhere to your set budget and track your spending.

Withdraw your winnings

Separating your winnings out of the deposits when possible should lower the desire to invest your gains within an internet casino. You may also need to think about guarding your deposit. To effectively handle your bankroll, as soon as you’ve earned over your beginning deposit, then you must withdraw these hard-earned gains to prevent yourself from paying them on any big, or insecure wagers.

In case you’ve been lucky enough to have won a great deal of cash, you ought to take a while to think of how to commit these gains. Even though you’re constantly in danger of earning a reduction, moving your cash will be able to enable you to make certain you’re in charge of your gaming.

As a result, it may also then be practical to see any tiny declines as studying curves or amusement costs.

Online gaming is a developing industry, and consequently, internet casinos reveal no signs of slowing. If you love using internet casinos, there are quite a few marketing approaches that could make your gaming experience much profitable and as a result, pleasurable.

 

ALSO READ: The Advantages And Importance Of Financial Literacy

 

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Trump and Biden Raising Funds for Election Lawsuits but with a Difference

As Trump insists he won the presidential election, his campaign team is raising funds to finance the legal costs of proving he lost due to election fraud. Trump supporters have been receiving emails in which donations are being solicited to financially support the filing of lawsuits filed in several stated to prove Trump won the presidency.

Some Republican voters who received such emails spoke to the press people but on conditions of anonymity. While the emails gave estimates that the anticipated legal costs will amount to as much as $60 to $100 million, the donation page revealed additional information that many supporters found disturbing.

Trump’s Current Fund Raising Drive, a Last Ditch Effort to Fill Campaign Coffers

Apparently, the fundraising emails are last ditch efforts to get hold of money that will cover the unpaid balances of contracts entered by Trump’s campaign team. As stated in fine print in the donation pages, the funds that will be solicited by the Trump campaign will be distributed as follows:

1.  Sixty percent (60%) of every donation that will be collected will be used to pay off unsettled obligations incurred during Trump’s 2020 campaign activities.

2.  The remaining 40% will go to the operations account of the Republican National Committee (RNC).

3.  Any funds remaining after all obligations have been settled, will be the amount that will go to the Legal Proceedings Account of the Republicans, for use in the payment of litigation expenses related to the electoral fraud lawsuits.

Based on the most recent finance reports of federal campaign funds, Trump and his campaign team had access to $60 million dollars in early October. However, in weeks prior to the day of the election, reports have it that Trump’s campaign team had contracted a hefty amount $160 million for television advertisements, which quite obviously, is way above the actual money that was available.

Actually, Trump will likely face more lawsuits once he steps out of the presidential office, and the filing of legal complaints regarding the results of the 2020 election is seen as the only legal means of delaying the transfer of power to President-elect Joe Biden.

Biden Camp is Also Soliciting Similar Donations from Supporters

In fairness, the former president is not the only one who is currently taking actions for the lawsuits. President-elect Biden’s campaign team has also established a new committee called the Biden Fight Fund.

This committee will help shield Biden’s campaign from the lawsuits that Trump and his party are poised to file. Emails have been sent to Biden supporters, encouraging them to donate $25 as aid to the team in constructing legal efforts, which accordingly will work toward making sure democracy will triumph.

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Factors That Affect The Forex Market

Many factors affect the Forex Market, but if we need to focus on the main ones, we will certainly talk about the economic tripod, an economic policy guideline for countries that follows 3 aspects, inflation, interest, and the exchange rate.

Do you want to know more about other financial markets? Read also Which Financial Market Is Right For You.

Economic indicators and their impact on currencies

Inflation

Inflation is an indicator of how much our money can buy and how quickly that capacity is lost over time. Currently, countries like Venezuela and Syria face huge annual taxes on inflation. This means that your currency cannot be trusted and quickly depreciates against strong currencies like US dollars or assets like gold.

The economy is an inflationary process by nature, so small rates of inflation are natural in any country. Negative inflation, taxes also represent a problem indicator, because it means that economic activity is weak and factors of production are underemployed.

Interest Rates

The second very important part of this tripod is interest rates, in other words, how much some government or society can pay to acquire money or induce capital inflow.

Since it is unlikely that anyone can control inflation in the real economy, most central economic regulators try and take care of their economic procedures by making some changes in interest rates on their government bonds.

In an open market economy, there is communication with agents every time the government increases or decreases its interest rates on this asset. Stronger economies have lower interest rates and longer periods to pay, but developing economies need to offer higher rates to attract the same (or even less) amount of capital.

Exchange Rates

Finally, our tripod is complete after analyzing exchange rates. Represents the amount of one currency needed to buy another.

The US dollar is usually a strong reference, like the euro. More recently, we have experimented with the exchange rates of unregulated currencies, such as cryptographic currencies ( Bitcoin, Ethereum etc. ).

In short, it is money that makes our daily lives easier, but in the end, it is just another product with special features. Therefore, it can be traded, accumulated, borrowed and so on. On an international scale, this creates a world market for currencies.

Other Factors To Consider

If we are interested in other factors that may influence foreigners, we can consider a group of real factors, such as Production, Employment, and Gross Domestic Product (GDP).

These elements represent how strong the economy is and its ability to generate value and wealth. While economic activity is slow, it sends bad signals to the financial market, contaminates its investors, and interferes with the mood of brokerages.

Going to the other economic sphere, in the pure financial economy, there are factors including speculation, worldwide trade associations, and government debts. These are important factors to be recognized when committing to Forex.

These points have strong relationships with expectations and information flow. Its impacts can be felt very quickly and very deeply, especially in our current society, with so many channels of communication.

The market climate can easily change with a tweet from an important president or a leak of information in the media. It is very important to know that high risk and high return investments are a multifactorial business.

Human cognitive ability is limited to deal with this complexity, so technology has come to help and improve our ability to act correctly. If you want to trade forex, start with trusted forex brokers, https://www.forextraders.com/forex-brokers/. They are highly trained to analyze economic factors that impact the forex market.

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Taxes For Freelancers: Sales Tax

There are many programs available to assist freelancers with bookkeeping. Alternatively, you can hire a tax preparation service to do all the hard work for you.

In addition to income tax, sales tax is an important tax for freelancers and their business. This is levied on almost all goods and services and is, therefore, a value-added tax from an economic point of view. As a freelancer, however, you are not allowed to withhold this additional amount through sales tax but have to pay this sales tax directly to the tax office.

Freelancers and Taxes: Input Tax

For freelancers, the counterpart to sales tax is input tax. Because freelancers who collect sales tax are allowed to offset it with what is known as input tax. This is included in all expenses that were made for your own independence.

The input tax is determined as follows: In order to be able to offer one’s own services, the goods or services of other companies are usually used. The supplier will also invoice you a sales tax for this. Freelancers can claim and offset this sales tax amount as input tax against their own sales tax. Here is a sample calculation for input tax.

Tax return for freelancers

For freelancers, the bookkeeping according to the income-surplus-invoice (EÜR) comes into question. It is a simplified method of determining a company’s profit. In general, all companies that are not registered in the commercial register can use the income-surplus-calculation.

For the EÜR, all actual incoming and outgoing accounts are to be noted in a so-called journal. If the freelancer wants to calculate taxes and do his bookkeeping according to the income-surplus-account, he should structure his income and expenses according to the types that he incurs and use the official EÜR form.

Examples of income of the EÜR in the journal are the operating income at the full sales tax rate as well as the reduced sales tax rate, but also the sale or withdrawal of fixed assets and the private use of the company car represents income in the sense of the EÜR. Examples of expenditure by the EÜR in the journal are the Costs for office supplies and the study, entertainment costs, depreciation, or even the tax advisor.

If you, as a freelancer, determine taxes and want to do the EÜR, you must always show the amounts in the EÜR as a total amount, i.e. without sales tax or input tax. A monthly balance must be created in the journal. The values ​​of the individual categories are then to be transferred to the form for the income surplus invoice, which must then be attached to the tax return if the profit is over 17,500 euros per year.

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A Quick Look at the Differences of PPP in the HEROES Act vs. HEALS Act

While the House of Representatives passed a 4th coronavirus relief bill last May, the Senate House did not put it up for review before Congress went into an August recess. Instead, the Republican majority passed its own version, calling it the HEALS Act, as opposed to the Heroes Act passed by the House in May.

The first distinguishing aspect about the Republucan’s HEAL Act is that the amount being pushed for by the Senate is only $1 trillion, which cuts down the $2.2. trillion of the original CARES Act. In contrast, the House of Representatives is proposing to increase the stimulus fund to $3 trillion.

Although many of the states in the U.S. opened their economies much earlier than what health experts recommended as safe, the premature opening failed to launch many businesses on the road to recovery. The economy hardly improved as the disregard for safe distancing measures only resulted in the rapid increase of COVID-19 infection cases and deaths in most states.

Many commercial establishments also suffered as a result of the protest movements combined with the looting and burning incidents instigated by agitators. Although millions were able to go back to work, millions also lost their jobs. Most nonessential businesses had to close shop again, especially in regions where on a daily basis, tens of thousands had been testing positive with the coronavirus disease.

Congress is about to put the two proposals up for deliberation and hopefully for finalization next week when sessions reconvene. Yet it appears strong oppositions coming from both sides will slow down the legislation processes. A number of Democrats are not too keen on approving additional funds for the contentious Payroll Protection Program (PPP), since reports have it that large take outs went to companies that did not meet the eligibility criteria.

Currently, more than $100 billion of the PPP funds lay unclaimed. Many small business owners are wary that the present on and off reopening will make it difficult for them to meet the forgiveness feature of the PPP loan.

Differences in PPP Proposed by HEROES Act vs. HEALS Act

Inasmuch as the PPP dole outs have been reported as faulty, and with $100 billion still available, House Democrats are not proposing additional funding for the program. Nonetheless, their Heroes Act recommends the elimination of the 75% payroll requirement as forgiveness criterion, whilst moving the application deadline up to December 31, 2020.

On the other hand, the HEALS Act of the Republicans intends to inject an additional $190 billion to the present PPP fund balance. Moreover, if the HEALS Act PPP passes both Houses, eligibility requirements will be expanded in order to qualify those disqualified under the CARES Act. Although the HEALS Act also proposes the elimination of the 75% payroll expense requirement, it also wants to expand fund usage that will qualify PPP borrowers for forgiveness.

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Which Financial Market is most Suited for You?

Financial market refers to a wide marketplace where trading of securities take place which include FOREX market, bond market, derivatives market and the stock market. Financial market plays a critical role to having a smooth operation of economies, particularly the more developed ones.

A Better View of the Financial Market

As mentioned, financial markets play a significant part in foreseeing the operation of capitalist economies which is done by resources allocation and also, by creating liquidity both for entrepreneurs and businesses. The markets make it easier among sellers and buyers to trade their financial holdings. Financial markets are creating security products that offer returns for those who’ve got excess funds or otherwise known as lenders or investors. These funds are then made available to those who are in need of more money, or simply the borrowers.

Then again, investors compare brokers before they get into financial market. These brokers are the one who will be managing their accounts and responsible to grow their money.

Different Types of Financial Markets

Basically, there are different kinds of financial markets that you may or may inform your broker to get into. We will be discussing some of them in the next lines:

OTC Markets

OTC or Over-the-Counter Market is actually a decentralized market. In other words, it doesn’t have physical locations and all of the trading and other transactions are carried out electronically. Therefore, market participants are expected to trade their securities without the presence of a broker.

OTC markets are handling exchanges of stocks that are traded publicly and typically not listed in major stock exchanges.

Bond Markets

Bond is a kind of security wherein investors loan money for set period of time at pre-established rate of interest.

You might think of bonds as a contract between the borrower and lender containing the specifics of the loan as well as its payments. Bonds are being issued by corporations and municipalities, sovereign governments and states to finance operations and projects.

Money Markets

In most cases, the money market is trading products that are highly liquid short-term maturity and also, characterized by high level of safety and low rate of interest. At wholesale level, the money market does involve big-volume trades between traders and institutions. At retail level on the other hand, it includes mutual funds that are bought by the individual investors.

Individuals may opt to invest in money market by means of buying municipal notes, US Treasury bills, short-term certificate of deposit or CDs and so forth.

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Trump Still Aims to Control the CARES Fund

Trump recently removed the Inspector General who was supposed to head the committee tasked to oversee the disbursements of the CARES Act Fund. The creation of an oversight committee was one of the conditions fought hard for by both Democratic and Republican Senators in approving the release of the $2.2 trillion government funds under the guidelines of the Coronavirus Aid, Relief and Economic Security Act or The CARES Act.

 

Yet Trump who had stated beforehand that he intends to be the sole “oversight” in controlling and monitoring the release of the funds, has taken action to circumvent that condition. In a move that is typical of this incumbent U.S. president who has no regard for ethics, Trump removed Glenn Fine as acting Department of Defense Inspector General.

IG Fine gave Congress no reason to worry in leading the Pandemic Response Accountability Committee that was set up in connection with the approval of the CARES law. After all, he has served as Inspector General for the Department of Justice for 11 years, whilst keeping an excellent nonpartisan record in carrying out his duties.

Trump did not fire Glen HInes but merely sent him back to his former position of principal Deputy Inspector General for the Dept. Of Defense (DoD) before he assumed the position of Acting IG for the said department. Had Trump designated another Inspector General to replace Fine as DoD head, Trump’s action might not be a cause for concern.

Instead, Trump designated Jason Abend, a Trump-appointed senior policy adviser at U.S. Customs and Border Protection (CBP), as the new Inspector General of DoD. The move also effectively placed Abend as head of the CARES oversight committee.

How Jason Abend’s Qualifications Compare to Glen Fine

Glen Fine has a long record of serving as Inspector General for the Department of Justice, a position he held during the presidency of Bill Clinton. In 2015, Fines accepted a post to become the Principal Deputy Inspector General of the DoD. In January 2016 and under the Obama Administration, Fine became the acting inspector general for the same department.

Apparently, what Trump did was to demote instead of promote Fine as a full-fledged Inspector General at the Department of Defense.

In contrast, before Jason Abend was appointed by Trump as Senior Policy Advisor of the U.S. CBP, he worked as a special agent of the Inspector General offices at the Department of Housing and Urban Development and at the Federal HOusing Finance Agency.

A special agent is basically a federal law enforcement officer tasked to conduct investigations related to minor criminal or non-criminal cases. A special agent has no authority to investigate major criminal cases, Obviously, Abend’s credentials in becoming the Inspector General of the Department of Defense is not as well-founded as that of Glen Fine’s.

 

After announcing Abend as the new IG for DoD, Trump had given instructions for the CARES Act oversight committee, to first pass on to the White House any information that it intends to forward to Congress.

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House Ethics Committee Orders Republican Rep. McMorris Rodgers to Return $7,500 in Misused Funds

Prior to the close of 2019, the House Ethics Committee concluded its 5-year investigation on how the staffers in Rep, McMorris Rodgers office made improper use of campaign funds and official resources! including staff time, travel funds and congressional office space in carrying out political activities. According the Ethics Committee Report, poor record keeping and “sloppy practices” dating as far back as 2008 had contributed to the improper use of campaign funds.

In light of the findings, the panel chaired by Florida Democratic Rep. Ted Deutch, imposed sanctions on Rep. Cathy McMorris Rodgers, ordering her to pay over $7,500 as reimbursement of the misused government funds, including payments for official consultants using campaign funds, as well as accepting voluntary services for political purposes.

The extensive documents compiled reflected a “concerning pattern” of how the staffers in the office of Representative McMorris Rodgers frequently demonstrated indifference to the laws under the Federal Election Campaign Act (FECA) and the rules and regulations set forth in House Rule XXIII. House Rule XXII of the House Code of Official Conduct,

What the FECA Laws and Rules Describe as Proper Use of Campaign Funds and Resources

The House Rules state that Campaign Funds, which include goods and services procured with campaign funds, are separate from the official resources available to congressional members. House rules govern campaign funds including those allotted for state or local elections. The Federal Election Campaign Act (FECA) on the other hand, governs campaign funds used for election to a federal office.

Primarily, a House Member, Delegate, or Resident Commissioner shall keep campaign funds separate from personal funds; nor in any manner convert campaign funds for personal use even if said amount represents excess of a legitimate and verifiable use for campaign purposes. Basically campaign funds cover only bona fide political or campaign expenditures.

Moreover, there are certain exceptions and limitations that must be observed if ever campaign funds will be used for official House purposes.

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Facebook’s Libra Cryptocurrency Facing Oppositions on All Sides

Facebook’s planned introduction of its Libra cryptocurrency is facing opposition on all sides that an actual launch by year 2020 could be stalled. As it is, U.S. legislators, financial regulators and government officials not only in the U.S. but also in EU countries are wary that a payment processing system running on blockchain technology and operated by Facebook, presents serious concerns and issues.

Lawmakers cannot accept the social media company’s motives at face value, since the Libra business model when combined with the Facebook social site is regarded as much too invasive over users’ private information. In enticing FB denizens to use the Libra cryptocurrency, Facebook will likewise gain access to credit card, bank account and ewallet data as well.

After all, the main problem with Mark Zuckerberg’s social media company is the laxity by which they have been handling data entrusted to them by millions of users. Legislators on both political sides insist that for them to allow the rollout of Libra cryptocurrency and its blockchain platform, Libra operators must do so under strict government oversight and regulations.

House Representative Maxine Waters, who chairs the House Financial Services Committee cited Libra’s potential use as medium for carrying out money laundering transactions and other illegal financial activities. She also demands Mark Zuckerberg’s appearance before her and in her committee hearings. That way, Zuckenberg will provide clear and definite testimonies on how his newly formed subsidiary Calibra, intends to address all issues being raised against the Libra cryptocurrency project.

Although Facebook claims that Libra cryptocurrency operations will run under the governance of the Libra Association, it does not serve as a guarantee that all issues raised against the cryptocurrency project will be effectively addressed. After all, the Libra Association represents about 28 multinationals and non-profit organizations that will contribute $10 million or £8 million dollars each before one becomes an official Libra Associate.

Obviously, they are first and foremost investors whose interest in providing financial backing is to profit from Libra’s future cryptocurrency operations.

Financial Backers of Facebook’s Libra Project Led by PayPal, Showing Signs of Withdrawing Commitment

PayPal has already pulled out from its Libra-partnership commitment, while representatives of credit card companies Mastercard and Visa are set to meet on October 14, to finalize decisions on whether or not they will become official members of the Libra Association. More companies who had signed letters of intent to provide support as a Libra Associate, are reportedly having doubts about finalizing plans to join Facebook’s Libra project.

Apparently, commitments are being shaken by the growing opposition and potential regulatory problems; especially if EU countries like Germany and France will block the Libra digital money should it move forward. Both countries issued a joint statement conveying that

”no private company must claim the right to have monetary power that belongs inherently to the sovereignty of nations.”

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Full Grasp of Your Loan Options

When in search for a debt financing option to launch or expand your business, you are quite in luck for there are numerous options that you can turn to. This includes but not limited to:

  • Commercial lenders
  • Banks and;
  • Personal credit cards

The best thing about this is that, you do not have to pinpoint the exact loan type you needed before approaching a lender. It’s for the reason that they are the one who would help you decide what kind of financing is suitable for your needs. On the other hand, you need at least a general idea of the available loans. This is the only way that you can understand what is being offered to you by the lender like (link).

Line of Credit

This loan is useful for those who have small business. Truth is, it a permanent loan arrangement that business owners have with banker. This gives protection to businesses from stalled cash flow and emergency situation.

More often than not, line of credit loan is used for payment of operation costs for business cycle needs, working capital as well as purchasing of inventory. However, they are not designed to buy serious business assets like real estate or major equipment.

Installment Loan

Technically, these loans are paid every month that’s either equivalent to the amount of loan initially applied for or with interest. Installment loans might be written to suit all kinds of business requirements.

You get to receive the amount in full after the contract’s been signed and the interest has been calculated from the approved date to final day of your loan.

Balloon Loan

Despite the fact that this type of loan is written under a different name, this is still identifiable by the amount received after the contract is signed. However, only when the interest has been finally paid off during the life of loan. With balloon payment, the principal is due on final day.

What happens often is, the lender offers loan to which both the principal amount and interest are paid in a single balloon payment. It is because of this why balloon loans are reserved for instances when the business needs to wait for a specific date before they receive payment from client for a product purchase or a service that has been rendered.

Interim Loans

With this loan, bankers are more concerned with who’ll be paying the loan and whether they can bank on that commitment. Interim are designed to make periodic payments to contractors when the mortgage on that building would be used to pay off interim loan.

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Dems Harness Political “Dark Money” to Launch Ad Blitz Amplifying House Majority Agendas

Strategists of the Democratic Party led by Robby Mook, president of the House Majority Political Action Committee (PAC), quietly formed a non-profit organization in March of this year. The main purpose of which is to broadcast actions taken and undertaken by the House Democrats. The new organization called House Majority Forward will serve as an affiliate of the House Majority PAC.

Through publicity launched by way of TV and digital advertisements, House Majority Forward will disseminate to the American public, information about important progressive legislations accomplished by House Democrats; and of how they were held up by the Republican-controlled Senate led by Senate President Mitch McConnell.

According to documents gathered by political news website POLITICO, the new nonprofit group is registered with the state regulators of North Carolina as a 501(c)(4) organization. Its aim is to raise $20 million this year, of which half ($10 million), will be used to run advertising blitz promulgating House Democrat agenda; with particular focus on White House investigations and resolutions put forward by a group of outspoken freshmen.

Inaugural TV and Digital Ad to Rollout on August 08, 2019

The House Majority Forward’s first ad features a female working out in a darkened gym. She pummels a punching bag while a narrator goes through the motion of ticking House Bills embodying resolutions that Include a proposal to

The narrator continues by saying

“The new Democratic majority in the House of Representatives is proving they are up to the challenge.” “But Mitch McConnell has blocked every one of these important bills from getting a vote in the Senate.”

As a 501(c)(4) non-profit organization, this new House Majority Forward group is one of such organizations allowed to receive funds known in the political arena. as “dark money”

Democratic Strategists Decide to Harness “Dark Money”

Although one of the resolutions filed by House Democrats is the move to curtail secret or dark money coming in for political purposes, proponents of the House Majority Forward say they have no issues in using “dark money” to support House legislators proposing to move dark money out of the political arena.

What is Dark Money?

Dark Money is money donated for political spending but without requiring the recipient organization to disclose the name of the donor who contributed the funds. Basically, this applies to 501(c)(4) nonprofit organizations, but not to political nonprofits like the traditional Political Action Committees (PACs) organized by political parties.

However, PACs are also open to receiving “dark money” since they are allowed to receive contributions coming from shell corporations and other political parties that mask their true owners or organizers. That is why House Democrats have introduced a bill proposing ‘dark money’ restrictions.

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Puzzled why You’re Declined with Personal Loans? Have it Overturned!

Have you applied for a Zebra loan or any other kind of personal loan before and unfortunately, been declined? It was never a nice feeling particularly when you badly need money. However, this is inevitable and it does happen. In an effort to help you be in control of this situation, it is essential to understand why you’re denied and what you can do to have higher approval.

One thing that you should know is that, errors in credit reporting are very common and it could significantly impact your score. In return, lowers your ability to get loan approval. Some errors may include outdated information or having same debt listed several times which create a duplicate.

Are all Information Correct?

The incorrect record of amount of credit inquiries listed on file and the adverse notices can bring down your credit score. So, if inaccurate information is the reason why your personal loan is denied, your lender will likely send you adverse notice informing of the probable reasons of the denial of the loan. The accuracy of such information is vital so it is wise to grab a copy of the credit report. Once done, get it amended ASAP if you think that there’s incorrect data.

Despite the fact that personal loans could be a smart move of consolidating existing debts, loan application may still not push through if the overall amount of your debt is too large. Lenders are going to look at how much of your income is going towards the debt or otherwise known as debt to income ratio. They do this in reviewing your application.

Therefore, pay off any balance before filing an application for new loan to help secure an approval.

Proof of a Permanent Job

For a great number of people, the primary source of income is their employment. In relation to this matter, to pay for the loan monthly, it is necessary among lenders to see that you do have stable stream of income. If you have been jumping from one job to the other every couple of months and can’t prove that you have regular income, there is a big chance that you’ll be declined for your loan application.

Keep in mind, these lending institutions are still businesses. Even though they wanted to help you keep up with your life, they have a business to protect, and uses these factors to ensure that you’re not a risk to their personal investment.

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Amazon Credit Builder : Deposit-Backed Credit Card for Members with Poor or Bad Credit Score

Amazon Credit Builder is the newest program of the Amazon Store Card, and is extended to Amazon.com members who do not qualify for a regular Amazon Store Card. This new credit offering is designed to give customers with poor or bad credit scores, a chance to build credit card history that will be tracked by TransUnion CreditView.

Offered by Amazon in collaboration with Synchrony Bank, the Amazon Credit Builder comes with the same amenities as the regular Amazon Store Card, including the five percent (5%) cash back reward on every purchase made at the Amazon Store.

An important aspect to understand is that a credit builder account requires a minimum deposit. Amounts of credit-builder purchases including interests, will be limited to the amount required as deposit upon approval of one’s credit-builder card.

It would be wise to look closely at the features and requirements of the Amazon Credit Builder program to determine if this new credit offering will work well for you.

The Finer Details About the Amazon Credit Builder Card

Amazon’s Credit Builder program is touted as a “no annual fee offering,” but an application is still subject to credit approval by Synchrony Bank. Also, know beforehand that in order to qualify, you have to have an Eligible Amazon Prime Membership,

An approved credit-builder account starts off as an Amazon.com Store Card Credit Builder. After seven (7) months from the date of activation, Synchrony Bank automatically evaluates the Amazon.com Store Card Builder to determine if the card holder qualifies for an upgrade into an Amazon Prime Store Card Credit Builder.

Approval of a credit-builder card into a Prime Store Card Credit Builder depends on the cardholder’s payment and other credit history details, which include:

  • Seven (7) consecutive on-time settlement of credit purchases made using the Amazon.com Store Card Credit Builder account over a period of 12 months.
  • The cardholder’s credit file does not show recent records of bankruptcy declaration, foreclosure or repossession proceedings or delinquency events
  • The cardholder meets a credit score qualified under Synchrony Bank’s underwriting criteria.

After seven (7) months as holder of the upgraded Amazon Prime Store Card Credit Builder, Synchrony will once again evaluate if the cardholder qualifies for another upgrade, based on the same set of criteria. This time, evaluation is geared toward determining if the credit-builder qualifies for upgrade as holder of a regular Amazon.com Store Card.

By the way, in order to mitigate its risks as credit provider, Synchrony charges interest on every purchase made using the credit-builder card. Widely known in the credit industry as Annual Percentage Rate or APR, the Amazon.com Store Card Credit Builder interest rate starts at 28.24% per annum.

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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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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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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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