Bridging Finance and Politics: The Influence of YouTube Likes

influence of youtube likes

The intersection of finance and politics on YouTube is a dynamic space. Videos covering financial policies, economic reforms, and political decisions can attract significant engagement. YouTube likes play a critical role in this process, helping to amplify the reach and impact of such content.

Some channels consider the option to buy YouTube likes to increase engagement and to enhance their visibility and credibility. This can help new videos gain traction and appear more influential. However, organic engagement remains crucial for sustained success and credibility.

How Financial and Political Content Creators Can Collaborate for Greater Impact

Collaboration between financial and political content creators holds immense potential for enhancing the impact of their respective content:

  • Broader Reach: By combining audiences from both niches, creators can reach a broader and more diverse audience base. Financial enthusiasts may gain exposure to political insights, while political followers may gain a deeper understanding of financial matters. This cross-pollination of audiences extends the reach of collaborative content beyond traditional boundaries, attracting viewers who may not have otherwise encountered the content.
  • Diverse Perspectives: Collaborative efforts offer the opportunity to present well-rounded insights on complex issues. By leveraging the expertise and perspectives of both financial and political creators, collaborative videos can provide nuanced analyses and multifaceted viewpoints. This diversity of perspectives enriches the content, offering viewers a more comprehensive understanding of the topics being discussed.
  • Increased Engagement: Collaborative videos often generate higher levels of engagement, attracting more likes, shares, and comments. The combined appeal of financial and political content can capture the interest and attention of a wider audience, leading to greater interaction and participation. Viewers are more likely to engage with content that offers unique insights and stimulates thought-provoking discussions, further amplifying the impact of collaborative efforts.

Such collaborations can elevate the quality and reach of content, benefiting both creators and their audiences by fostering greater awareness, understanding, and engagement on critical issues.

The Benefits of Discussing Financial Policies and Their Political Implications on YouTube

Delving into discussions about financial policies and their political implications on YouTube offers numerous benefits:

  • Educate Viewers: By providing valuable information on important issues, creators can contribute to their viewers’ understanding of complex economic and political dynamics. In an era marked by rapid changes and evolving challenges, informed viewers are better equipped to navigate the complexities of the financial and political landscape.
  • Spark Discussions: Meaningful discussions are essential for fostering informed citizenship and promoting civic engagement. By encouraging viewers to comment and share their opinions, creators create opportunities for dialogue and exchange of ideas. These discussions not only enrich the viewing experience but also contribute to the collective understanding of diverse perspectives and viewpoints.
  • Influence Public Opinion: YouTube serves as a powerful platform for shaping public opinion and influencing discourse on key issues. By presenting well-reasoned arguments and evidence-based analyses, creators can play a significant role in shaping how viewers perceive financial policies and their political implications. Thoughtful and persuasive content has the potential to sway public opinion and influence decision-making at various levels of society.

By engaging in discussions about financial policies and their political implications, creators can attract significant engagement and drive meaningful conversations that contribute to informed citizenship and democratic discourse.

Strategies for Increasing Engagement on Cross-Topic Content

To maximize engagement on cross-topic content covering finance and politics, creators can employ several effective strategies:

  • Use Clickbait Titles: Enticing titles that pique viewers’ curiosity can attract more views and clicks. By crafting compelling headlines that promise valuable insights or thought-provoking discussions, creators can capture the attention of their target audience and entice them to watch the video.
  • Engage with Comments: Fostering a sense of community and interaction is essential for increasing engagement. Creators should actively respond to viewer comments, questions, and feedback, creating a dialogue and fostering a sense of connection with their audience. By acknowledging and engaging with their viewers, creators can cultivate a loyal and engaged fan base that is more likely to like, share, and comment on their content.
  • Promote Collaborations: Leveraging social media platforms to promote collaborative videos can amplify their reach and impact. Creators can use platforms like Twitter, Facebook, and Instagram to tease upcoming collaborations, share behind-the-scenes glimpses, and encourage their followers to watch and engage with the content. Cross-promotion between collaborators can introduce each other’s audiences to new perspectives and foster mutual growth and support.

By implementing these strategies, creators can maximize likes and engagement on videos covering both finance and politics, enhancing their reach and influence on YouTube.

READ ALSO: The Influence of TikTok on Political Discourse


YouTube likes play a crucial role in amplifying the impact of content at the intersection of finance and politics. By fostering collaborations and engaging discussions, creators can enhance their reach, influence, and effectiveness in addressing complex issues and shaping public discourse. Effective strategies, combined with high-quality content, are essential for maximizing engagement and success on YouTube, ultimately contributing to a more informed, engaged, and empowered citizenry.

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The Proposed SALT Marriage Penalty Elimination Bill: What is It Really?

  • US Congress Washington DCAny time soon, the House of Representatives is poised to vote on the latest bipartisan tax bill seeking to raise the current $10K SALT deduction cap to $20K for married couples. Captioned as Marriage Penalty Elimination Act, the increment is set to modify the SALT deduction guidelines included in the Tax Cuts and Jobs Act. However, the proposed deduction increment will apply only to the forthcoming 2023 tax filing.

If Congress approves the $20,000 increment, it will take effect only in the filing of the 2023 tax returns by jointly-filing married couples. In that case, it denotes that the original $10K SALT deduction cap and existing guidelines will prevail thereafter, until the Tax Cuts and Jobs Act expires in 2026.

What Exactly is the SALT Deduction Cap and How Does It Affect Taxpayers?

First off, the acronymtate and ;pca; tax deductions  SALT stands for State and Local Tax and used to specify the allowed deductions that both single and jointly filing taxpayers can claim in their annual tax return; but up to 2026 only.

sThe present rule is that the SALT deduction is capped at $10K for joint-filing and single taxpayers who deduct local property, income and sales tax on their federal return.

However, the allowed SALT deductions apply only for taxpayers who opted to file returns using the itemized method. It does not apply if the return was filed using the standard deduction method. The latter does not require the itemization of the expenses deducted from earned income or sales revenues as it uses only a certain percentage for claiming deductions.

Moreover, a taxpayer cannot claim as deduction both the taxes paid for sales revenues and for income earned as remuneration. A taxpayer must opt to use as deductions either the taxes paid on income or the taxes paid on sales revenues.

The currently proposed increase of SALT Deductions Cap to $20K is for the benefit of jointly-filing married couples whose adjusted Gross Income amounts to less than $500,000. Again, the increase, if approved, will affect married couples and will take effect exclusively for the 2023 tax filing only. Thereafter, the deduction cap reverts to $10K unless a new legislation is passed between 2024 and 2026.

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Who Needs Pre Settlement Funding and Who Provides Them

legal funding companycar accidentGetting a pre settlement funding to use while injured due to an accident caused by an errant driver, will help alleviate worries over payment of hospital bills and other expenses.

Although sometimes called a lawsuit loan, the legal funding company that granted the pre-settlement funding will get paid only if there is already a judicial ruling on who is at fault or an extrajudicial (out-of-court) settlement regarding the accident.

Yet in the event the court decided the supposedly errant driver is not at fault, the complainant who received the pre settlement funding or lawsuit loan is not required to pay the legal funding company. The granting of the pre settlement funding was a risk taken by the financier, which makes evaluating the potential merits of the lawsuit an important aspect of the lending business.

On the other hand, when the victim or the plaintiff of a lawsuit is contemplating on taking out a lawsuit loan, he or she must work closely with the financing company providing the pre settlement funding.

Since the element of risk could impact the financial position of the financier, the latter will impose terms and interest rates that will allow the company to profit from the business of lending money without guarantee of future payment.

Pre settlement funding is a financial tool offered to individuals who, as a result of an accident or professional neglect, lose their ability to work and earn money they will use to pay for hospitalization bills and other expenses such as rent, groceries, utilities and the like.

Kinds of Legal Causes Considered as Eligible by Providers of Pre Settlement Funding

law and orderThe granting of pre settlement funding depends on the cause of the legal complaint filed by an individual against another person or entity as a way to seek payment for an injury or damage caused by an accident, neglect or malpractice.

While it takes time for a court to decide on a lawsuit, the complainant or plaintiff who has been incapacitated or disabled by the accident needs money to pay for groceries, bills and medications. However, not all lawsuits seeking compensation can avail of a pre settlement funding while awaiting the court’s decision.

The following are examples of such lawsuits:

1.  Car accidents, especially if the driver of the vehicle is DUI;

2. Slip and fall accidents leading to loss of wages, pain, suffering as well as incurrence of medical expenses;

3. Nursing home neglect and abuse that caused pain and suffering to the person who was entrusted to the nursing home.

4. Medical malpractice claims are lawsuits filed against a healthcare provider such as a doctor or nurse who gave substandard or inappropriate care and treatment that caused harm, injury or death to a person under his or her professional care.

5. Pedestrian accidents refer to the physical injuries or loss of life caused by a motor vehicle after hitting a pedestrian or person not riding a motor vehicle.

6. Bicycle accidents

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Crypto Capital: Navigating Financial Success in the Digital Markets


The rise of cryptocurrencies has opened new avenues for investors seeking financial success. Crypto trading platforms such as Immediate Eurax App have become the epicenter of this digital financial revolution, providing opportunities and challenges alike. This article explores key strategies and considerations for navigating the complex world of crypto capital, aiming to guide both novice and experienced investors toward financial prosperity.

Understanding the Crypto Landscape:

Cryptocurrencies, such as Bitcoin, Ethereum, and a multitude of altcoins, have gained prominence as decentralized assets. Their value is influenced by factors ranging from technological advancements and regulatory developments to market sentiment. To navigate this landscape successfully, investors must stay informed about the latest trends and innovations within the crypto space.

Choosing the Right Crypto Trading Platform:

Selecting a reliable and secure crypto trading platform is paramount. Factors such as user interface, security protocols, transaction fees, and available trading pairs play a crucial role in determining the platform’s suitability. Thorough research and due diligence are essential to ensure a seamless and secure trading experience.

Risk Management:

Crypto markets are known for their volatility, presenting both opportunities and risks. Implementing effective risk management strategies, such as setting stop-loss orders and diversifying your portfolio, is crucial to protect your capital and mitigate potential losses. Understanding your risk tolerance and adjusting your investment approach accordingly is key to long-term success.

Market Analysis and Technical Tools:

Successful crypto trading requires a solid understanding of market analysis. Traders often use a combination of fundamental and technical analysis to make informed decisions. Utilizing technical tools such as charts, indicators, and trend analysis can provide valuable insights into market trends and potential entry or exit points.

Staying Informed:

The crypto market operates 24/7, and staying informed about real-time developments is vital. Following reputable crypto news sources, participating in online communities, and engaging in discussions with fellow investors can provide valuable perspectives and insights. Being aware of regulatory changes and macroeconomic trends also contributes to a well-informed investment strategy.

Security Measures:

Security is a top priority in the crypto space. Implementing robust security measures, including two-factor authentication and secure wallets, is essential to safeguard your assets from potential threats. Regularly updating passwords and keeping private keys secure are additional steps toward ensuring the integrity of your crypto holdings.

You might also want to read about The Influence of TikTok on Political Discourse.


Crypto capital offers a pathway to financial success, but success requires a combination of knowledge, strategy, and adaptability. By understanding the crypto landscape, choosing the right trading platform, managing risks effectively, and staying informed, investors can navigate the digital markets with confidence. Embracing the principles outlined in this article can empower individuals to unlock the full potential of crypto capital and embark on a journey towards financial prosperity in the exciting world of digital finance.

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House Reps. Introduce TICKET Act to Force Ticket Sellers to Disclose Base Price and Fees

US lawmakers recently introduced the TICKET Act, which aims to force ticket sellers to display upfront and at point of sale, all fees imposed as charges. The bipartisan bill formally titled as “Transparency In Charges for Key Events Ticketing” (TICKET) Act came around after the sale of Taylor Swift’s Era Concert Tour became “the last stroke that broke the camel’s back” so to speak.

The TICKET Act forces ticket sellers and brokers to indicate the ticket base price and all the additional charges that increase the cost of a ticket. Such information must also be shown in events advertisements and in every piece of marketing material used in promoting the event.

TICKET Act Spawned by Ticketmaster’s Suspension of Sales to General Public

Lawmakers led by Representatives Jan Schakowsky, D-Illinois and Gus Bilirakis, R-Florida, introduced the bill to provide protection for consumers against the increasing difficulties and price manipulations caused by ticket presales and price speculations. Although fiascos in events ticket selling have been happening in the past years, the issue heightened after Ticketmaster, the dominant ticket broker of the Taylor Swift Eras concert tour, suspended ticket sales to the general public due to ticket insufficiency.

The debacle incited outrage, as Taylor Swift herself spoke harshly against Ticketmaster’s move to oust fans belonging to the general public sector. Although Ticketmaster later apologized, groups of outraged fans reached out to lawmakers in Congress to put an end to the unethical ticket selling practice of allowing speculative prices that have become a norm among sellers; allegedly ever since Beyonce and Taylor Swift concert tickets became highly in demand.

Democratic Representative Schakowsky issued a statement stating:

. “Ticket consumers deserve protection against fraudulent ticket selling and excessive fees and surprise costs.

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Actions To Manage Tow Business Finances

Running a small business can be challenging. With the need to supervise staff, deliver products and services, and promote the business, it can seem like there are a lot of tasks that you need to accomplish at the same time.

Managing finances is crucial. However, this is an often overlooked aspect of running a small business. By managing your finances effectively, you can optimize the performance of your Towing San Jose business. Fortunately, some simple strategies can help you manage your small business finances.

Strategies to effectively manage your towing business finances

Use a software

Consider using an invoicing app designed for small businesses to simplify monthly red tape. A useful strategy could be to create a visual representation of the operations and processes within your business. This can make it easier to identify areas that need improvement and increase efficiency. By using specialized software, it is possible to automate tasks such as invoicing. This leads to significant time savings.

Benefit from tax deductions

An important part of running a small business is taking advantage of the available tax deductions for which you are eligible. You can deduct any expenses related to your business, such as computer equipment and office supplies. It is essential to keep accurate records and documents to support your deductions and avoid tax liabilities. Knowing what deductions are available to you can help reduce stress during tax season and minimize the taxes you owe.

Call on the services of a financial consultant

By now, managing the finances of a small business can seem like an overwhelming effort, even to the point of becoming devastating, causing you to procrastinate. If this resonates with you, hiring a financial advisor might be an option. Financial advisors are experts who provide financial advice to businesses and individuals. They can provide assistance with investments and retirement planning, among other things.

A financial advisor can help you manage your finances so you don’t have to go it alone. In addition, they are a great resource to rely on when you need financial strategies or a second opinion on your ideas.

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How to Tax Cryptocurrencies the Right Way



Despite unpredictable and sometimes violent price fluctuations in Bitcoin, digital money finds buyers, especially those who discovered the power of Bitcoin360. But how do any profits have to be taxed? The good news: Capital gains on cryptocurrencies – also called virtual currencies – can be completely tax-free under certain circumstances.

Investment in cryptos: no investment for tax purposes

Whether Bitcoin, Ethereum, Ripple, or Cardano: What was once ridiculed as “play money” has long since become a serious alternative to stocks, bonds, or gold for many. But an investment in cryptos is not considered an investment for tax purposes, as Daniela Karbe-Geßler of the Association of Taxpayers Germany based in Berlin says.

Verdict on cryptos: Daniela Karbe-Geßler refers to a judgment of the Finance Court of Baden-Württemberg (Az: 5 K 1996/19): Accordingly, cryptocurrencies are “intangible assets” and capital gains are “other income from private sales transactions”.

The fact that cryptocurrencies are intangible assets is also predominantly assumed in the specialist literature. Before the Finance Court of Baden-Württemberg, it was about the lawsuit of a private person. “This means that taxation of profits from cryptocurrencies as an investment using the saver allowance is currently ruled out,” says Karbe-Geßler.

When private sales transactions remain tax-free

Private sale transaction: A private sale transaction is referred to if the period between acquisition and sale does not exceed one year. The difference between the sales price achieved and the purchase price of the cryptocurrency results in the profit from the sale.

Private sales transactions up to an exemption limit of 600 euros per year and after a one-year speculation period are tax-free. Important to know: “Investors should not confuse the exemption limit with the allowance,” says Annabel Oelmann, CEO of the Consumer Center Bremen. If the exemption limit is exceeded by only one euro, it is necessary to tax the entire capital gain.

If in a year not only profits of digital money are incurred, but also, for example, of a valuable antique, the exemption limit of 600 euros applies to all so-called capital gains in total.

Unlike profits from stock transactions, on which a withholding tax of 25% is due, speculative profits in Bitcoin and Co. are burdened with the personal tax rate. Reuß: “It doesn’t matter whether investors make a profit by exchanging it into another currency such as the euro, by selling it on the stock exchange, or because they use it to pay for goods or services.”


ALSO READ: Do’s And Dont’s In Investing On Real Estate


Fifo method for tax calculation

In order to be able to show the tax office how capital gains or losses have arisen, investors must be able to document all purchases and sales in detail: “Every point in time and also the respective price of each transaction must be documented,” says Reuß. This could mean a lot of work if a digital currency has been purchased in several installments. However, this accounting is also the basis for correctly calculating the tax burden or relief in the event of losses.

“Investors can use the ‘first-in-first-out method’, abbreviated Fifo,” says Reuß. It is assumed that investors will be the first to sell the digital coins they bought first. “In the event of a profit, the Fifo method is cheaper,” says the financial tip expert. Alternative methods of determining profits are the ‘last-in-first-out’, which works exactly the opposite, or an average valuation of the profits within a year.

Mining can trigger a trade tax liability

Anyone who produces a cryptocurrency themselves by means of so-called mining “is basically commercially active from a tax point of view,” explains Reuß. In response to a parliamentary question, the Federal Government writes: “If cryptocurrencies are purchased or produced in the context of commercial activity with the intention of making a profit, profits from the sale or exchange (…) to be recorded in the context of income from commercial operations. The costs of mining (…) are deductible as operating expenses.”

There is an exception only in the case of mining on a small scale. Income up to 256 euros can remain tax-free. “But even that is only an exemption limit. Even one euro more leads to full tax liability,” warns Reuß.

The consequences of classification as a commercial activity

If mining is considered a commercial activity, advance VAT returns and annual financial statements (balance sheet or income surplus invoice) must be prepared depending on the turnover. Daniela Karbe-Geßler from the Federation of Taxpayers points this out. Income from a commercial enterprise is also subject to trade tax. The activity as an entrepreneur or trader must be reported to the tax office.

Attention: “The mere management of one’s own assets is not a commercial activity,” emphasizes Daniela Karbe-Geßler. It depends on the individual case, when private asset management exists and when not. Investors should definitely consult tax advisors.

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Is a College Degree Still Worth All the Trouble?

Recent surveys report that more employers are realizing that a 4-year college degree isn’t the best gauge of an applicant’s real value as a potential worker. That being the case, three educational institutions namely: Miami Dade College, Dallas College and Western Governors University, have launched an initiative to define and to establish individual skills that a broad range of employers consider as important. That way, providing education will either separate or combine relevant course work as requirements for earning a college degree.

Apparently, there is a need for colleges and universities to overhaul the kind of college education programs being offered in preparing students for different careers. Needless to say only the high cost of education and not the quality of education has been experiencing growth.

Not Enough Returns Gained from Investing on a College Education

A recent survey conducted by Harris Poll shows that 51% of Americans surveyed say that the cost of education have prevented them from completing a 4-year college degree. Actually, there is already an ongoing lack of enthusiasm in obtaining a college degree, as many degree holders are expressing disappointment over their earning capabilities. Their job is not bringing in higher returns after payment of taxes and student loans.

Previously, a college education was seen as the “golden ticket” for realizing the American Dream of landing a career that offers job security and a lifetime of earnings. In recent decades however, many college graduates landed jobs that paid meager salaries, barely exceeding the amount they paid in settling student debts.

Major Businesses Hire Graduates with Skills in Computer Technology

Since most businesses today have a need for a workforce with technological skills, liberal arts graduates are finding it hard to compete in the jobs market. Even if they do get a job, they are disappointed that despite the expensive higher education, their skills are not enough to earn returns that compensate for the amount and hard work they invested in obtaining a college education.

The broader knowledge and understanding of how the global community thrives can be obtained through liberal art studies. Yet major global powers have not made any remarkable improvements in solving important issues like environmental threats, foreign policies, ethics, and national and international security issues, despite high levels of learning in the fields of liberal arts. As a result, many industries prefer to bank on artificial intelligence and machine learning technologies when needing to arrive at major decisions.

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The Importance of Having a Boat & Watercraft Coverage And Why You Need It

Marine insurance covers boats, ships, and other watercraft. Marine insurance is a type of insurance that protects the boat and its cargo from damage or loss caused by marine peril. Marine perils are events such as storms, collisions with other boats or objects, theft, fire, and sinking. Marine Insurance is available in most countries. If you are in Australia, you may check out Marine Insurance Australia.

Why You Should Buy a Marine Insurance Policy

Marine insurance is a type of insurance that covers your boat, motorboat, jet ski, and other watercraft in the event of damage or theft. It also includes coverage for personal items like fishing gear and clothes.

Marine policies are becoming more popular as people realize that their homes aren’t the only things at risk during a natural disaster or other emergencies. Even if you live on land, you might have a boat or watercraft that could be damaged by fire or storms.

Top 5 Reasons to Buy a Marine Insurance Policy

Marine insurance policies are often used by companies that operate ships for their own transportation needs. There are many reasons to buy marine insurance, but these are the top 5 reasons:

  1. Marine Insurance provides protection when an accident occurs.
  2. Marine Insurance protects your assets from potential losses.
  3. Marine Insurance ensures you have coverage in case of accidents, collisions, and sinking.
  4. Marine Insurance offers coverage for cargo in transit or warehoused on land.
  5. Marine Insurance can provide coverage for any type of vessel – whether it’s a commercial ship or recreational boat.

What is the Cost of Boat and Watercraft Coverage?

Boating is a great way to spend time with family and friends. It’s also a great way to spend time on your own. But it can be expensive if you’re not prepared.

Boat and watercraft coverage provides protection against damage that may occur while boating or using your watercraft on the water. This includes accidents, vandalism, theft, fire, storm damage, and more.

If you just want to cover the basics then $500 should be enough for most people but if you want more comprehensive coverage then $1,000 is recommended.

How to Get the Right Marine Insurance for Your Needs

Marine insurance is a type of insurance that protects your boat, yacht, or other watercraft against damage, theft or loss. It’s important to find the right marine insurance policy for your needs.

The first step is to get quotes from different providers. You should make sure that you’re comparing apples to apples and not just comparing rates. The next step is to read the fine print and understand what you’re getting into.

Conclusion: The Importance of Having a Boat & Watercraft Coverage And Why You Need It

A boat is a major investment and should be protected with boat insurance. Boat insurance is a type of marine insurance that covers the boat and its equipment from damage or theft.

Boat coverage can be included in an auto policy, or it can be purchased separately. Boat insurance policies are typically very affordable. The cost of the policy depends on the features of the boat, as well as where it will be stored and how often it will be used.

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Fastest Rising Inflation Rate Ever, from 0.4% in November to 7% in December

Economists surveying the Dow Jones are satisfied the rise in inflation rate didn’t exceed predictions, and expectations of how fast the CPI would increase. Based on the CPI gauge, the percentage increased by 7% last December 2021. It has been the fastest increase since June 1982, as the November gauge reflected only 0.4% increase in inflation rate.

What Exactly is CPI?


CPI stands for consumer price index, which is an inflation gauge as it considers the costs of so many items in its calculations. According to the Bureau of Labor Statistics, the percentage had increased by 0.5% every month .

The core CPI increased by 5.5% which excludes food and energy, and is deemed as the largest increment ever recorded since February 1991. The increase last year came even though there were shortages of workers and supply of goods. At the same time there’s the availability of stimulus funds infused into the economy by Congress and the Federal Reserve.

Costs related to shelters make up almost ⅓ of the total percentage, and it increased by 4.1% based on annual gauges, and at 0.4% on a monthly basis. On the other hand, CPI of used vehicle prices increased by 3.5% in December. Actually, it is one of the main reasons the inflation increase during the pandemic. As it is, there is limited new vehicle production, as a result of supply chain limitations.

On the other hand, energy prices went down for the month by 0.4%, specifically gasoline prices dipped by 0.5%, while fuel oil dropped at by 2.4%.

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Biden Administration To Reduce Homeless Population via the “House America” Program

White House Press Secretary Jen Psaki recently announced the Biden administration’s “House America” initiative in bringing down the rate of homelessness, occurring throughout the country. Ms. Psaki mentioned that “House America” will be calling on state and local leaders to help in the attainment of ambitious goals that aim to reduce the size of the country;s homeless population.

The related government agencies will ask officials of states, counties, and cities to pledge their participation in suppressing homelessness. In return, the federal government will furnish them financial support and other resources to use in working toward the achievement of two important goals: . The federal government will be giving support and guidance in attaining two goals:

  • Build new affordable units for those who are on the point of becoming homeless and;
  • Provide permanent housing for homeless individuals.

List of Local and State Leaders Who Have Aready Pledged Commitment to the “House America” Program

Currently, several mayors and state governments have a;ready [ledged their commitment to participate in the federal government’s “House America”, namely:

  • The mayors of Austin, Oakland, Washington, D.C., and Seattle;
  • The governors of California and Maine to which the first to put in place policy for the homelesness reduction initiatives are Los Angeles Mayor Eric Garcetti together with Holly Mitchelln the LA County Supervisor and Chuck Hoskin Jr, the Principal Chief of the Cherokee Nation.

The ambition is to have a repeat the success of the Obama’s administration;s 2016 campaign in curbing veteran homelessness by 50%. During that time, around 800 city mayors and county executives worked hand in hand with the federal government to achieve the goal.

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Biden Says Bipartisan Deal on Infrastructure Funding Reached

After meeting with several Republican senators last month, POTUS Joe Biden announced a bipartisan deal that works toward the passing of the infrastructure bill. Biden candidly mentioned that although they had arrived at a bipartisan deal that did not give him all that he wanted, he said the GOP senators gave more that what they were originally inclined to offer as their commitment.

According to the members of the group, the agenda was mainly about the funding for the package to which a framework has been agreed upon. It included a proposed amount of $579 billion in new spending, and an almost $1 trillion funding that will be spent during a five-year period. There’s also an option to increase funding to $1.2 trillion but to be spread across eight years.

Republican Sen. Susan Collins told reporters that discussions delved mostly on the scope, the costs and the method of paying for the such costs. Senator Collins added that although the three items were not easy to be agreed to, doing so was necessary.

Agreement Over Proposed Funding for the Entire Infrastructure Package

The White House has released details related to the proposed new funding, which will be financed using the money gained from reducing fraud in unemployment insurance as well as from the unused unemployment relief package from last year’s emergency relief bill and from “tax gaps”.

In addition, other funding sources would come from the following:

  • State and local investments in broadband infrastructure;
  • 5G spectrum auction proceeds;
  • Extending expiring customs user payments;
  • Reinstating Superfund payments for chemicals
  • Extending “mandatory sequestration”action
  • An estimated sale of the country’s petroleum reserve;
  • Public-private partnerships and private activity bonds;
  • Asset recycling and directly paid bonds for infrastructure investments
  • Resulting macroeconomic impact of Infrastructure improvement investment
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IRS Warns of New Phishing Scam Targeting Taxpayers with Claims for Tax Refunds

Last week, the IRS warns about a phishing scam that has been on college students and staff of educational institutions expecting to receive pending tax refunds, The warning was published last week after the tax agency received reports that government’s email received numerous complaints related to impersonation scams that have been generally targeting persons whose email addresses with “.edu”.

How the Tax Refund Phishing Scam is Being Perpetuated

Using fake emails supposedly coming from the tax agency, which included logos to make their messages more believable, scammers sent notices that made references to “Recalculation of your tax refund payment.” and “Tax Refund Payment”. The fake email also asked the recipients to click on a link to a fake website where they will fill out the necessary info to facilitate the processing of their claims for a tax refund.

In filling out the form, the victims were required to provide the usual personal information like first and last name, present address complete with info about city and state, postal code and date of birth, Since the form looked legitimate, the victims were also dupped into providing their Prior Year Annual Gross Income (AGI), Social Security Number, Driver’s License and IRS Electronic Filing PIN.

While other taxpayers might also receive this kind of emails,the IRS warns not to click on the link in the email but instead report it to the government agency. They can also save the email and simply forward it to since the investigators from the IRS Criminal Investigation and from the Treasury Inspector General for Tax Administration (TIGTA) are already looking into this latest phishing scam..

Action That Refund Victims Have to Take

In order to prevent the scammers from having unauthorized access to the IRS accounts that were compromised as a result of the phishing scam, the IRS recommends for the victims to immediately acquire an Identity Protection (IP) PIN.

An IP PIN can prevent identity thieves from filing fraudulent tax returns using the victim’s name, as it requires a different set of a six-digit password. Taxpayers who believe they still have a pending tax refund to claim, can check the status of their claim through the IRS website via the “Where’s My Refund?”/Refund page.

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Tesla’s $1.5 Bitcoin Investment Sparked Greater Interest for Bitcoin Mining

In an SEC filing last Feb. 08, Elon Musk’s Tesla stated investing $1.5 billion in bitcoins, in line with the company’s future plans of accepting BTC payments. Naturally, Tesla’s move had further boosted bitcoin’s price, bringing it to a record high of $46,800. This new development has sparked greater interest in bitcoin mining, being a more affordable approach to increasing one’s crypto assets. However, those new to bitcoin are unaware that such development is also expected to further increase difficulty in mining the world’s most popular cryptocurrency.

While learning to mine bitcoins may be easy, there is more to understand about cryptocurrency mining since the industry has grown more complex in all aspects. Given that there are now ASICS bitcoin machines powerful enough to carry out 1012 conjectures per second in solving a block of bitcoin hashes, the machine will be working amidst a greater level of mining difficulty.

Increased Participation in Bitcoin Activities Impact Mining Difficulty

First off, one should understand that mining difficulty indicates a measure of toil and struggle that miners face when looking for blocks that can earn them a unit of bitcoin as reward. The current bitcoin mining difficulty currently stands at an estimated 20,823,531,150,111 or 20.82T. A high difficulty measure denotes that it is taking bitcoin miners to find and subsequently solve a block of hashes related to a particular bitcoin in circulation.

That being the case, one’s bitcoin mining activities will use a greater amount of electricity, which equates to higher costs; not unless mining is being done in a hydro-powered location where the cost of electricity is relatively lower.

The point is, the greater the difficulty, the lesser the chances of earning a reward. Once related costs are taken into consideration. the lower the profitability of a bitcoin mining business. Besides, ASICS bitcoin mining machines have become more expensive due to increased demand that cannot be met with an immediate supply.

Now there’s another option, called Mining-as-a-Service or MaaS being offered as an alternative approach to bitcoin mining. This option gives smaller scale bitcoin mining operators a chance to grow their business, by having one or more ASICS bitcoin miners at their disposal in exchange for a fee.

A Quick Look at Mining-as-a-Service (MaaS) of the ElevateGroup

The Elevate Group had foreseen that as bitcoin mining becomes more difficult, the small scale bitcoin miners will have fewer opportunities to participate in the cryptocurrency industry’s mining sector. As opposed to cloud mining platforms, the Elevate Group offers customers their pool of bitcoin miners. That way, customers can build their own mining team without having to worry about electrical costs, thermal-controlled environments and equipment maintenance.

According to this MaaS provider, their contract is finite since the duration will be tied to the life of the bitcoin miner (mining machine) working for the customers. The Elevate Group in turn, earns from MaaS contracts by collecting a 20% share of profits earned by each customer.

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Sen. Warren to Continue Pushing for Wealth Tax as Member of Senate Finance Committee

Despite not winning the Democratic presidential nomination, Sen. Elizabeth Warren says she will still push for her radical campaign calls for Wealth Tax.

Last Tuesday, February 02, Senator Warren confirmed that she will soon be joining the Senate Finance Committee. The committee membership is considered a choice assignment since she will have greater ability to push for a tax legislation that will impose levy on amassed wealth amounting to more than $50 million. In fact her announcement served as an ominous warning to the super rich, saying that introducing a WealthTax will her first order of business.

During President Biden’s campaign for presidential nomination, his tax proposal was to raise taxes on households with more than $400,000 in annual earnings, and to hike up the rate of corporate taxes, as well as to make certain modifications on Capital Gains Tax. Despite the contrast, the former Vice President still won the primary elections, relegating Wealth Tax proponents Senator Bernie Sanders and Senator Elizabeth Warren to second and third positions, respectively.

Brief Overview of Senator Warren’s Forthcoming Wealth Tax and Other Legislation Proposals

The Massachusetts senator’s office said that the Wealth Tax she plans on legislating is basically the same as the “two-cent tax” she voiced during her campaign, plus an “additional surtax” that will be imposed on every dollar of wealth exceeding $1 billion. The surtax rate, though, is yet to be determined.

Moreover, Senator Warren promised that she will still continue to push her campaign calls for cancellations of student loans, for changes that will make college education more affordable and for increasing funding for K-12 education. In a related statement, Senator Warren said she will continue to fight for the working families to provide them with meaningful relief, by being a progressive voice in instituting long lasting economic security for struggling American families.

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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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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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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 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 Store Card Credit Builder. After seven (7) months from the date of activation, Synchrony Bank automatically evaluates the 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 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 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 Store Card Credit Builder interest rate starts at 28.24% per annum.

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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 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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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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Understanding International Trade Agreements and Finance

International trade agreements are crucial in influencing the global economy in today’s linked world. Global firms, consumers, and economies are impacted by a complex web of laws and processes ranging from trade agreements to tariffs and currency exchange rates. In these dynamics, alternative financial strategies—such as turning gold to cash—have become more critical. This strategy involves selling gold assets for money, which can then be used for investments or to hedge against currency fluctuations. Leveraging holdings in this way provides liquidity and flexibility to investors seeking varied choices, which influences financial decisions about international trade agreements and market swings. This adds another level to the complex relationship between global commerce and banking by giving people ways to turn their gold holdings into cash.

Trade Agreements

Trade agreements play a pivotal role in stimulating investment and fostering economic growth. By establishing a stable business environment, these agreements provide businesses with the confidence and predictability necessary to make long-term investments. Moreover, the protection of intellectual property rights encourages innovation and creativity, as companies can reap the rewards of their inventions and creations without fear of unauthorized use.

Trade agreements also fuel healthy competition among nations.

This rivalry propels businesses to constantly evolve and innovate to secure a competitive advantage in the global marketplace. Dispute resolution provisions in trade agreements enhance the stability and reliability of trade relationships. These provisions reduce uncertainty and minimize the risk of trade disruptions by providing a framework for resolving conflicts. This, in turn, encourages businesses to engage in cross-border trade with confidence, further boosting economic activity.


Tariffs and taxes imposed on imports and exports have far-reaching effects on trade and the economy. While they can protect domestic industries and generate government revenue, tariffs also disrupt market dynamics and increase consumer expenses. Implementing tariffs can lead to trade disputes and disruptions in supply chains, impacting both businesses and consumers. Understanding the implications of tariffs on trade volumes, economic growth, and consumer welfare is essential for policymakers and businesses navigating the complexities of international trade.

Currency Exchange Rates

Exchange rates are crucial in global finance, directly influencing trade competitiveness and capital flows. The foreign exchange market, or Forex, is the worldwide currency trading platform. Fluctuations in exchange rates can profoundly impact profit margins and competitive positioning for businesses involved in international trade.

Central banks are vital in managing these rates by implementing monetary policies and interventions to maintain price stability and promote economic growth. Understanding the intricacies of exchange rates is essential for businesses and policymakers as they navigate the complexities of the global financial landscape, striving to uphold economic stability and promote sustainable growth.

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Exploring the Advanced World of Expert Advisor Trading

Online Broker Trading in Finance

In finance, every decision counts, and the realm of trading has seen a significant transformation with the rise of Advanced Expert Advisor Trading. This comprehensive guide aims to delve deep into the intricacies of utilizing expert advisors to navigate the markets effectively. From dissecting strategies to analyzing market trends and showcasing real-world examples, this guide is your roadmap to unlocking the full potential of Expert Advisor Trading.

Understanding Expert Advisor Trading

Expert Advisor Trading, often referred to as algorithmic trading, involves the use of automated systems to execute trades in financial markets. These systems are programmed to follow specific criteria and parameters, allowing for precise and efficient trading decisions. By harnessing the power of technology and data analysis, Expert Advisor Trading offers traders the ability to execute trades swiftly and accurately, minimizing human error and emotional biases.

Dissecting Strategies

One of the key advantages of Expert Advisor Trading is the ability to implement a wide range of trading strategies with precision and consistency. Whether it’s trend-following, mean reversion, or breakout strategies, expert advisors can be programmed to execute trades based on predetermined criteria, allowing traders to capitalize on various market conditions. Additionally, advanced strategies such as multi-timeframe analysis and machine learning algorithms can further enhance the effectiveness of Expert Advisor Trading.

Analyzing Market Trends

In today’s fast-paced markets, staying ahead of the curve is crucial for success. Expert Advisor Trading enables traders to analyze market trends in real-time, identifying profitable opportunities and executing trades with precision. By leveraging historical data, technical indicators, and advanced algorithms, expert advisors can adapt to changing market conditions and capitalize on emerging trends, giving traders a competitive edge in the finance world.

Showcasing Real-World Examples

To truly understand the power of Expert Advisor Trading, it’s essential to examine real-world examples of its impact on finance. From institutional investors to retail traders, expert advisors have revolutionized the way trades are executed, resulting in increased efficiency, reduced costs, and improved profitability. Whether it’s executing high-frequency trades in the forex market or implementing complex options strategies in the stock market, expert advisors have proven to be invaluable tools for traders of all levels.

READ ALSO: The Relationship between Finance, Politics, and Crypto Exchanges

Conclusion: Unlocking the Full Potential

In conclusion, Advanced Expert Advisor Trading offers traders a comprehensive toolkit for navigating the complex world of finance. By understanding the principles of Expert Advisor Trading, dissecting strategies, analyzing market trends, and examining real-world examples, traders can unlock the full potential of this innovative approach to trading. Whether you’re a seasoned investor or just starting, embracing Expert Advisor Trading can elevate your trading game and lead to greater success in the finance world.

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