Student Loan Debt Makes Home Purchase Almost Impossible For Millennials

The Burden of Student Debt Affects the Real Estate Market

Student loan debt has become a paralyzing financial burden for many young Americans. Today, millenials are now moving past their college years and entering the phase in their lives where they are looking to be homeowners. However, being the generation with the most student debt in America does not make the home buying process very easy. Millenials are least likely to own a home compared to generations before them. In 2014, only about 36% of household heads between the ages of 24 and 32 years old owned a home. That is down from 45% in 2005. One of the big factors to this low-rate of homeownership is the amount of student loan debt they have.

While homeownership may be lowering, the amount of student debt continues to rise. This can be attributed to the increasing costs of higher education. The average college student graduates with about $30,000 in both private and federal loans. The more education costs the more students take out loans to pay for their education. This has created a never-ending cycle of debt that affects other aspects of life such as buying a home. The amount of student loan debt now surpass that of credit card debt with the total student loan debt being $1.56 trillion and credit card debt being $1.03 trillion. Here are some ways that student loan debt can make it difficult for millenials:

  • Debt-to-income ratio

    – The number one issue that comes up when trying to purchase the home is the debt-to-income ratio. That is the amount of money you owe to lenders versus the income your bring in. The average income of college graduates is about $59,000. However, the average monthly payment of a student loan is about $350. This becomes a large chunk of monthly expenses. Banks are often wary of those with large amount of debt, especially debt like student loans which are seen as “unsecured debt”. Meaning that this debt is likely to be paid throughout a lifetime. Often, banks would prefer candidates whose expenditures are not more than 36% of their income. However, that can be difficult if your income is only $50,000. This ratio also can be affected by the cost of housing in your specific area. Those that live in higher cost areas can find it even more difficult to secure a home loan.

  • Credit Score

    – Another aspect that strongly affects homeownership for millenials is their credit score. About 8% of student loan borrowers were denied a mortgage because of their credit score. Those between the ages of 19 and 34 years old on average have a credit score of about 625. This is much lower compared to previous generations such as Generation X who had an average of 650 and Baby Boomers whose average was 709. However, as mentioned previously millennials also have a larger amount of debt compared to these generations. Millennials’ debt-to-income ratio is directly affecting their credit scores. Often, borrowers acquire a large amount of student loan debt and upon graduation found it difficult to find stable income to payoff the debt and defaulted into their loans. This caused their credit score to lower and made it difficult to be approved for a mortgage.

  • Down Payments

    – Getting approved for a mortgage can be a difficult first step to homeownership. However, the burdening reach of student loan debt does not stop there. Saving up for a down payment for a home can be difficult when you have such huge loan debt to pay every month. Often some would-be homeowners choose to take out a short-term loan to get immediate cash to use as a down payment . This might be particularly appealing for those living in states with lower student loan debt and lower costs of living. Millennials can access an online car title loan to get immediate cash that they can use as a down payment for their home. Since it is a short term loan, unlike a student loan, it can be paid off quicker and easier.

    Higher Cost of Living – Another aspect of student loan debt that is affecting millennials’ homeownership is the higher cost of living. While millennials seem to be earning much more than previous generations, the increase of income has not combatted the rapidly increasing costs of living. Millennials not only pay more for education and housing than previous generations but they must spend more on other expenditures as well. The cost of childcare is about 2% more than previous years, which might not seem like a lot but when broken down that is about $150 on average for child care compared to about $85 a week in 1985. Millennials also spend more on health insurance, transportation, and entertainment than previous generations.

Homeownership and student loan debt can be a tumultuous relationship. Student loan debt often paralyzes millennials from acquiring an integral part of the American Dream, owning a home. Millennials do have a challenging future when it comes to purchasing a home. However, with careful budgeting and dedication to paying off debt, the dream of homeownership can be a reality.

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Essential Information For Real Estate Investing

Where To Begin Investing in Real Estate

There very well may be more pieces of advice pertaining to real estate investing than there are pieces of property available. While land is limited, opinions are not. Because dumb luck isn’t dependable, the best piece of advice is to make sure you understand the basic principles of a good real estate investment. Here are some essential tips to increase your chances of profiting.

Learn Everything You Can About the Location

Emerging neighborhoods or established areas that are growing or becoming trendy represent good opportunities. Don’t get swept up in hype and overpay if you’re late on the scene, however — prices may have peaked. Still, location typically is even more important to investing success than the condition of the actual property. Also research income, employment and age demographics — and even local crime rates.

Adhere to the 1 Percent Rule

If the primary objective of your investment is to generate rental income, the monthly rental income should be no less than 1 percent of the purchase price (e.g., a $250,000 property should rent for at least $2,500 a month). This will create an annual 12 percent return — minus overhead, of course (repairs, taxes, etc.) — and typically lets you recoup your initial investment in a reasonable timeframe.

Understand Taxes and 1031 Exchange Opportunities

Taxes are complicated. Property taxes will offset some of your revenue. Your income taxes may be further reduced by a property depreciation write-off. An investment strategy called a 1031 exchange also has tax implications, allowing you to defer capital gains taxes when you sell one investment property and re-invest the proceeds in a subsequent investment property. Consult a tax professional for help with these scenarios.

Here are more basics that are less complicated, but still important:

  • Understand the big picture. Track the performance of the U.S. economy as a whole. The best real estate opportunities may present themselves during a recession or the initial stages of recovery.
  • If you have a real estate investment portfolio and not just one property, spread the risk among different industries and locations.
  • Have a plan. Outline both short- and long-term goals before getting started. Have a budget and an ownership timeline in mind, especially if you are rehabbing a property.
  • Trust experience. Talk to other investors, join real estate investment groups — just don’t rely on any sources making get-rich-quick promises.
There are no guarantees when it comes to real estate investing, but sticking with tried-and-true principles beats flying blind. For more tips, see the accompanying infographic.

 

Author bio: Dalton Sullivan is Associate VP at Precision Global Corporation, a venture capital company. Sullivan has vast knowledge of 1031 exchanges as well as senior housing investing. He has a passion for business development, real estate investing and building lifelong, professional relationships with investors.

 

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An Untraceable Currency? Bitcoin Privacy Concerns

Bitcoin is frequently portrayed being an untraceable technique of payment that facilitates illegal activities by allowing crooks to create and receive payments without being tracked. This depiction implies that users transacting in bitcoin can completely do so anonymously that their identities will never be exposed. However, that isn’t fundamentally the way it is. Although bitcoin provides better privacy when compared with traditional-payment connecting a 3rd-party intermediary for example a credit-card provider, it’s nevertheless not as anonymous as a cash transaction. A person’s identity could potentially be exposed in bitcoin transactions in fact, there are many ways.

A general idea of the Blockchain

Bitcoin isn’t anonymous. As we explain below, it really is pseudonymous an important distinction. It can also be a decentralized, peer-to-peer currency that is digital having no third-party intermediary for instance, a charge card issuer, vendor processor or bank that is involved to verify a transaction between a customer and vendor. Since there is no party that is third there must be another way to confirm a transaction between two users and avoid the double-spending problem i.e., a means of guarantee that an individual does maybe spend bitcoin they have formerly transferred.

This is where the Blockchain, the undoubtedly revolutionary aspect of cryptocurrencies such as for instance bitcoin, is necessary. A Blockchain is just a public, distributed ledger, by which every transaction is documented. A Blockchain ledger is distributed across a group of computers thousands of them, each with its own copy of the Blockchain transactions unlike traditional payment systems in which the ledger is maintained by a single third party.

Each block of deals in a Blockchain is complete by users within the peer-to-peer network, known as miners, who compete to resolve a complex problem that is computational. 1st successful miner to validate the deal broadcasts it to the network that then checks the results. Once checked, the new deals are added as a new block to the Blockchain. The miner who first successfully verified this transaction gets rewarded by the network with newly created bitcoins in the case of bitcoin. At the time of 2016, the reward was reduced from 25 to 12.5 bitcoins, and it is expected that the reward will be further reduced to 6.25 bitcoins in 2021 July.

Tracing Bitcoins Back to Individuals

Encryption might make the impression that these transactions are visible however unmatchable to specific individuals. However, bitcoin isn’t as untraceable as encryption may indicate. Tying an encrypted transaction to a real person may be it’s not really a risk that is remote. There are numerous ways this could occur. Users who count on a bitcoin trading exchange such as Bitfinex and Binance or Kraken to switch money for bitcoin have to divulge their information that is personal to exchange to produce a free account. The information collected by the trade varies, however normally includes, at a minimum, a user’s first and name that is last and, possibly, a phone number. The trade may additionally collect a user’s ip. If these exchanges had been subject to a data protection breach, a user’s personal information could be exposed. In addition, some exchanges that are centralized to manage users’ bitcoin funds and users’ private keys on their behalf.

You can find additionally wallet that is on line providers that control users’ wallets on their behalf. A wallet is really a software program that stores an accumulation of a public that is user’s personal key pairs. The storage space of personal tips makes these central exchanges, and online wallet providers, prime targets for crooks because, as discussed above, you aren’t access to a user’s personal key should be able to develop a bitcoin transaction that is valid. A hacker who accesses a user’s private key can send all of that user’s bitcoins to him or herself, or even to any intermediary of their choosing.

Summary

Although bitcoin is a decentralized and unregulated payment method, users should recognize that this does not mean that their bitcoin transactions are private and hidden from scrutiny. The public nature for the Blockchain coupled with the increasing threat of government regulation can result in the identification of users involved in transacting the currency.

 

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Three ways to manage money

Managing your personal finances isn’t as easy as it seems. Rising prices and an uncertain economic climate make the challenges even greater, which is why it’s important that you take steps to get a firm handle on your money needs, assessing your situation, and making the appropriate changes. The key is simplification, and with the right steps, it’s much easier to manage your money more productively and safely. If you’re looking for ways to keep your finances organized, here are the top three tips that might just keep your wallet full and your financial worries at a minimum.

Record your expenditures

It may sound almost redundant in the days of online banking and mobile phone consumerism, but making a note of what and where you are spending your money can be hugely beneficial. Being able to see just where you’re spending your money (and the amounts) will go a long way to giving you a much greater insight into your monthly budget. Budgeting needn’t be a complicated process, and it doesn’t have to mean denying yourself treats either. It’s more a case of simply knowing how much money you have coming in, and how much is going out. It sounds basic perhaps, but far too many people have higher outgoings than income, and that’s where the problems start. Look at your list of purchases over the last month and see if there are any regular buys which are simply not necessary, and make adjustments to ensure that your money coming in is not overshadowed by the money that then goes out over the course of the month.

Use a personal finance advisor

Having a personal financial advisor is essential if you’re looking at investments or are wondering about your future. Depending on your needs, the right financial advisor can help you to manage even the most complicated of situations and is very well-placed to help you make long-term targets. The right financial advisor will start with a fact-finding check that will cover the full scope of your situation and give them a greater insight into your potential financial growth. There are a variety of financial advisor types, and finding the one that best suits your situation is the first step to a better, more stable future. Look for specialists in your area of interest, and browse a dedicated portal like Buffert (Buffert.se) so that you are better able to take advantage of a dedicated level of experience and insider insights. Those insights will not only mean that you gain access to better advice but also give your finances an extra layer of added protection as well.

Balance your rent/buy costs

It can be very tricky to weigh up the cost benefits of either renting or buying goods and services. Buying items is often (but not always) cheaper in the long-term, whether it’s property, a car, or an entertainment system in your living room. Is it worth spending money on a lawnmower if you only use it for two months of the year? That’s where your initial cost analysis will come in handy. Check your expenditures and make sure that you are not paying out for something that you simply don’t need. Taking the lawnmower as an example, it might be much cheaper to rent one from a local garden center (or even a neighbor). Cost analysis is essential when it comes to making a final decision between renting and buying, and the larger the cost value, the more important that decision becomes.

When it comes to your money matters, the most important thing is being honest with yourself about your current situation and where you want to be in the coming years. Having the facts will make all of your decisions considerably easier, and you’ll stand a much better chance of being able to build a comfortable bank balance that will protect your future.

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New ICO Offerings – Wall Street

Initial Coin Offering (ICO), a crowdfunding practice that issues digital tokens, continues to attract record attendance and rave reviews from the media and crypto enthusiasts – for good reasons. Its influence goes far and wide, creating a new breed of tech millionaires out of small investors and ordinary citizens.

The success of ICOs such as Ethereum, Spectrecoin, NEO, etc., coupled with the significant growth of the cryptocurrency market has more and more people interested in the emerging digital currency market. Big risks, big rewards, they say. To help you find some of the best investing opportunities, this piece lists the newest and most promising ICOs you should know.

Newest ICO’S

  1. Crystal Token (CYL)

Crystal Token is a cryptocurrency that brings innovation in the area of smart investments through a concept known as Virtual Staking. The Virtual Staking program offers a unique combination of lending and staking, where investors can borrow at least 100 Virtual Crystal Token (VCYL) and receive a maximum of 2 percent interest each day.

In addition, investors who borrow more than 2,500 VCYL will get either 3% or 7% interest worth of coins when their capital is due. Investors can reinvest their funds back into the program automatically if they like. In this case, the interest is added to the original loan instead of creating a new one. Depending on the amount invested, investors can receive capital anywhere between 120-180 days.

Those who cannot wait that long may consider lending into the short term program where capital is released between 30 to 90 days. However, this program attracts a maximum of just 1% interest on a daily basis.

The token, which runs on the Ethereum platform, has a total supply of 28,000000 (CYL), out of which around 7,000,000 are currently in supply.

Ubex is a decentralized advertising platform built on mutual trust and efficiency. Organizations who wish to advertise on this exchange can buy ad slots in real time using programmatic technology. Ubex is based on neural networks with the use of smart contracts.

The neural networks assess users’ interests, estimate the probability of targeted actions for the advertising company’s offers, and then selects the most appropriate advertisement. Around 2,880,000,000 UBEX tokens are available for sale.

  1. MB8Coin (MB8)

MB8Coin is a cryptocurrency that was designed to power the current Multibuy loyalty rewards network, which makes it the first ever digital currency with established world applications. MB8 runs on the X13 platform. The going ICO price is 1 Euro = 3 MB8. About 550,000,000 MB8 tokens are available for sale.

  1. Aenco (AEN)

Aenco is a financial solutions platform that is based on the blockchain. The token has applications in health, smart capital, as well as prime brokerage. It enables health organizations to research, examine, and assist each other in finding cures for diseases.

  1. SilkChain (SILK)

First announced in March 2018, SilkChain is a blockchain-based token that seeks to improve international trade. The token has a total supply of 10,000,000,000 SILK. The ICO conversion is 1 ETH = 11,000 SILK.

Last Word

While it is hard to say for sure what the future holds for these tokens, it cannot be denied that they are a critical part of the innovation process that brings new ideas and concepts to the world of cryptocurrency. As far as ICOs go, they represent some of the most promising you’ll find anywhere today.

 

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Revitalizing The Entrepreneur Spirit Within You

What Does it Take to Really Become a Successful Entrepreneur

Are you tired of feeling less creative and innovative? You have a chance to resurrect the entrepreneurship spirit in you. It is your attitude and approach to challenges, failures and successes that will bring change.

We are not born entrepreneurs. We become entrepreneurs through education and experiences. So, rise and shine, because when you become an entrepreneur you become a friend to the world. Entrepreneurs are important in our day to day living. Take for example, where would we be without the creative mind of Bill Gates?

Entrepreneurship spirit is not something we achieve overnight. It is a characteristic that develops in people who show passion for building something great from nothing. A person with an entrepreneurship spirit is able to push himself/herself beyond limits. Their ultimate goal regardless of the ups and downs is to become world’s biggest entrepreneurs.

First and foremost, here is how you can tell whether the entrepreneurship spirit in you is still alive;

  • Are you quick to execute?

Do you act on ideas or you are too scared to go out and try them out? Like the bible says, “Faith without action is dead”. You cannot wait for success to come knocking on your door without taking action. Whether for success or failure, an entrepreneur is not afraid of executing his/her ideas.

Those with entrepreneurship spirit are not afraid to lose. Nonetheless, they do not jump into things blindly. They play calculated moves but have in mind that success is not guaranteed.

  • Are you an optimistic individual?

Day in day out, an entrepreneur is optimistic by nature. As much as success is not guaranteed, they are always positive about their outcome. If you are seriously seeking to enter the world of entrepreneurship, you should be more optimistic than ever.

Regardless of whether they are running a small or big business, good entrepreneurs don’t compromise on quality. Imagine yourself as a paper and packaging dealer for a minute. Custom boxes, custom packaging, binders and folders would be your ideal products. As the entrepreneur you are, you would work to deliver on quality, right?

Business is all about making the customer happy and good quality products is one sure way to make the customer happy.

Do the four characteristics above reflect who you are? If not, then your entrepreneurship spirit needs to be activated as soon as possible. It’s the entrepreneurial spirit that will stir up the business person in you. Read below for ways on how to activate and maintain your entrepreneurship spirit.

  • Believe in yourself – before anything else, believe that you have what it takes. Stand behind your convictions and never lose hope. If you see yourself as a failure, you will never reach your goals. A positive mind makes a good business person.
  • Take action – step towards your goals, purpose and objectives with a positive mind. Whatever ideas you have, do not belittle them. You do not want to miss an opportunity just because you think your ideas are not worthy of trial.
  • Hire innovators – have a team of people who can take your business to the next level. A less innovative person will pull you back in regard to success. Hiring innovators will ensure that you are heading in the right direction.
  • Talk to other entrepreneurs within your field of expertise– whether as an individual or as a company, take time to listen to other people’s success stories. Believe it or not, their stories will motivate you.
  • Build confidence in your abilities and focus on your strengths rather than weaknesses. Pay more attention on what you can do and concentrate less on your incapability.
  • Be excited about what you do – even if your steps of reaching your goals are too slow, always feel good about yourself. As long as you are making steps, that’s a good thing no matter how small they are. Celebrate every achievement.
  • Treat clients’ needs with urgency – a good entrepreneur MUST deliver according to the clients expectations. Time is money, so if you have employees who are dragging their feet in matters pertaining the clients, let them go. They are bad for business.
  • Leave room for growth – as an entrepreneur, you should focus on growing your business. If your business is not recording any progress, then something is wrong.

Surround Yourself With Business Minded People

To become a successful entrepreneur you should have a head for business. Whether you have the money or not, your approach to life and business is what really matters. Basically, as an entrepreneur you will have to surround yourself with business minded people, right? That being said, you will have to hire a team of diligent, competent and optimistic employees.

The kind of team you have, will determine the places where your business goes. If you are aiming to scale higher heights, make sure you have employees who are ready to face the odds. Always remember that Success is earned.

ThePaperWorker is an online custom packaging business. If you are interested in good quality, high maintenance, stylish and durable custom boxes, custom folders and/or custom binders? Check out variety of these and much more on https://www.thepaperworker.com/custom-boxes/

 

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How to improve your personal finances using a checklist

Personal Finance Checklist

Revamping your entire financial plan may seem like a gigantic task, so it’s easy to become overwhelmed. But by breaking your fiscal dreams into smaller, more manageable goals you’ll be setting yourself up for success while gaining some confidence about your money-making decisions with each item you cross off. Making a checklist can by the key to getting your money – and long-term goals – in order. Here are a few examples of simple changes that can make a major impact.

Start small.

One of the biggest mistakes people make when they’re trying to make a substantial change in their life is focusing on objectives that aren’t easily attainable. This is an easy way to sabotage yourself, because the task seems so large you can’t possibly reach it. Think about restructuring your budget in the same way you would expect to start a diet or exercise plan. You wouldn’t expect to be able to run marathons within the first couple of weeks, so why would you hold your finances to a similar standard? Like with most goals, the little things add up. Instead of backlogging every purchase you’ve made in the last six months, start today by tracking all of your extra expenses such as movie nights, eating out, and entertainment-related costs like cable TV or your Netflix subscription. No detail is too small when it comes to money management and financial stability.

Streamline your payments.

Consolidating or organizing all of your bill payments is another simple task to add to your checklist. Determine the bills that you pay regularly, their frequency, amount, and whether or not they can be paid online. If possible, set up all bill payments to withdraw from your bank account automatically and keep track of your email or online confirmations. This can usually be done either through the servicer or your bank. By automating the process, you’ll reduce the amount of time you spend each month gathering paperwork and information. You’ll also simplify your own record keeping, since you should be able to locate most of your payments with just the click of your mouse. Even better, you won’t have to worry about accruing late fees since you know exactly when your account will be debited for each bill cycle.

Pay yourself first.

Having a comfortable savings account is one of the most important steps towards financial security. As part of your monthly, bi-weekly, or even quarterly checklist, send a portion of your paycheck to your savings account each time you get paid. Depending on your personal goals, income, and expenses this amount may vary. However, don’t underestimate how quickly even $10 or $20 per paycheck can add up over time. If possible, set up an automatic deposit so you’ll get used to receiving a lower amount. This is one line item that will give you a bit of satisfaction every time you check it off your list.

Keep your budget balanced.

Keeping your overall budget in order is usually one of the most daunting tasks, but breaking it up into smaller sections will make it a breeze to get through. Make a list of all income sources, everything you spend money on regularly, and for at least one month track all of your expenses to get an idea of how much you should allot for miscellaneous spending. Once you have your list, break the expenses into categories such as utilities, travel, housing, food, insurance, loan payments, and childcare. Your static expenses are those that are consistent for every pay period, and your flexible expenses are the less predictable ones such as car repairs or additional medical costs. Based on what you typically spend per month, you should be able to outline how much is needed to put towards extra expenses on top of your static ones. Being able to check off when each of these obligations are met will give you some peace of mind, and you won’t have to second guess whether you paid that bill or not.

Money Management for Retirement.

Money management is a huge part of most of our lives, and many of us have areas that we’d like to improve. Whether you’re saving for a dream vacation, college, or retirement, keeping track of your goals and when they are met is a valuable tool that you can use for all of your financial plans – no matter how big or small.

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When Will Home DNA Kit Companies Get Listed on Stock Markets?

The Market Increasing For Home DNA Kits

The rising popularity of home DNA kits is reaching fever pitch levels. People around the world are scrambling to uncover the secrets of their ancestry, ethnicity, and familial relationships through DNA testing. The widespread availability of commercially viable home DNA kits has established a viable industry that investors are now eyeing with optimism. Even at a time where stock-market volatility threatens to upend all the gains of 2018, many investors are optimistic about the prospects in store for DNA testing services such as Living DNA, FamilyTreeDNA, Ancestry.com, MyHeritage, and 23andMe. Many of these companies have been in operation for well over a decade, and their user base now includes millions of registered members around the world.

Who are the leading DNA testing companies on the market?

Burgeoning interest in home DNA kits has fueled speculation that this industry is set for a boom period in 2019. For example, Ancestry.com LLC is a family history research company which provides online sources for local history, census records, military, vital info, and family records. This private company has yet to make moves to list an IPO on the NASDAQ, but it may be mulling a more opportune time, given the sharp losses on US bourses which have ensued in recent months. According to leading DNA kits comparison site, CompareDNAKits.com strong growth trends are now evident with surging demand on a global scale. Besides Ancestry.com, 23andMe and MyHeritage are the top 3 dominating the market.

23andMe Mulling IPO?

23andMe is also involved in genetic testing, with home DNA kits provided to clients. This company is located in Mountain View, California. To date, 23andMe has received massive funding to the tune of $791 million from leading tech companies, venture capitalists, angel investors and health science companies. Notable investors include Johnson & Johnson, Google Ventures, Mpm Capital, and Illumina. With such tremendous interest in this private company, there is a chance that the Board of Directors will consider going public and listing on Wall Street. The San Francisco times ran a story in 2015 suggesting that an IPO was imminent. While this has not happened yet, it remains a viable possibility, given the windfall investments that typically follow public listings. This private company is classified as a commercial services enterprise in the consumer discretionary sector. It is headed by the co-founder and CEO Anne Wojcicki.

MyHeritage is a private company providing clients with DNA home test kits to gauge their ethnicity and family tree. It’s also an industry-leading player in the ancestry field, with a strong social media sharing platform. In September 2018, MyHeritage partnered with WH Smith for the distribution of its DNA kits to clients. This UK partnership has fast-tracked the availability of home DNA test kits throughout Europe, and includes bundle packages for premium members. As one of the world’s leading genealogists services companies, MyHeritage already boasts 9 billion historical records, comprising a wide range of tools for discovering ethnicity, with integrated social options and records. The company CEO and founder, Mr Gilad Japhet built his private enterprise into a dominant market player.

Why Is the Public Interested in DNA Testing?

DNA test kits have been on the market for several years, but the prohibitive costs have prevented widespread use of these types of services. DNA home testing kits typically use a cheek swab to test ethnicity, ancestry, genealogies and so forth. In 2017, the industry generated net profits of $73 million in the USA alone, $50 million in Japan, and profits are expected to double within the next four years. Consumers have been exposed to DNA testing through TV shows like Forensic Files, and paternity testing on daytime talk shows like Maury. Now that costs have come down, demand has spiked. Users don’t need to visit a laboratory, or a doctor’s office to get these tests done – everything can be completed from the comforts of home. As with any industry that goes through a dramatic surge in demand, talk blossoms about the possibility of public listings on the stock markets. Time will tell.

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Marijuana… The Best Investment Opportunity

Marijuana’s Prohibition Has Ended !

Who do you think is making huge money on the cash crop? And if you think this money is going to stoners, former hippies, and low life’s think again. Look at Alan, last year he was a top executive at Google, celebrating his 30th birthday, and running a $100 million Asia-Pacific division that took him to 50 countries. Today, Alan is the CEO of Tokyo Smoke…A marijuana brand with a chain of luxury shops opening across North America. Each will offer upscale clientele the highest quality coffee, smoking accessories, and custom marijuana strains. Two years ago, Nicco’s research in machine learning and artificial intelligence was being funded by DARPA…The U.S. Department of Defense’s most secretive agency

But today, from his office in Santa Monica, California, Nicco and his team from MIT and UCLA are building what could become a billion-dollar marijuana empire. Their app, WoahStork, uses artificial intelligence and machine learning to determine the perfect type of marijuana for any customer. It’s a breakthrough being hailed as “the Netflix of weed. “And with the push of a button, your order can be delivered right to your door”.

Who is the Biggest Weed Dealer in Washington D. C. ?

Meanwhile, across the country, Washington D.C.’s biggest legal weed dealer is Rabbi Jeffrey Kurtz. He operates a dispensary just six miles from the White House. The rabbi got into the pot business after watching his father-in-law use it to alleviate the pain he felt from multiple sclerosis. He’s not worried about what his peers say, because the Orthodox Union has officially classified pharmaceutical-grade marijuana as “kosher” in the United States.

Young Entrepreneurs with Vision

When Hank Baker was a teen, he made money selling pine nuts on a street corner in Pueblo, Colorado. Now 25-years-old, he’s graduated from that street corner to a swank weed dispensary in his hometown where months after setting up shop, Hank was $1.5 million richer.

Sure, it’s technically an illegal vice according to the Federal government… They’ve passed laws allowing medical marijuana. And with every new piece of pot legislation that has been passed, incredible wealth has been created very quickly. But never before have so many states voted on this issue in a single day. Which is why even well-known celebrities can’t resist the green gold rush.

So is Hall of Fame NBA player Oscar Robertson…As well as billionaire venture capitalist Peter Thiel. Also consider two-time Grammy award winning musician Melissa Etheridge. Another famous name in the business is Cheryl Shuman is the founder of The Cannabis Club in Beverly Hills. She says her phone is ringing off the hook thanks to A-list celebrities calling her to find out how to invest in marijuana. She thinks this is the biggest opportunity we’ll see in our lifetime.

Who Indulges in this Evil Madness of Puffing the Magic Dragon

Oprah Winfrey, Secretary of State John Kerry, Supreme Court Justice Clarence Thomas. Billionaire George Soros has, and he enjoyed it. You can add Michael Bloomberg to the list…Who boldly proclaimed he’s smoked weed… And enjoyed it as well ! That’s two of the world’s richest men. Dr. Sanjay Gupta has given ganja a try. Along with former Governor Jeb Bush. And of course his brother George – the 43rd president of the United States. They’ve all admitted to taking a toke!

 

American Seniors Now Enjoying the High Life

Even American seniors are now living the high life. They’re the fastest-growing group of marijuana users. And every medicinal puff they take could help save one of our most important safety nets.

Seniors are the logical choi8c for relief from Medical Marijuana, and getting away from Big Pharma, and the continued use of the pharmaceutical medical drugs they depend on , mainly to cure all kinds of aliments that can be cured naturally from the right CBD Formula for pain relief, as well as an occasional “Puff” of the Magic Dragon.

How Much Money is in the New Weed Business?

Conservative estimates suggest legalizing marijuana nationwide would lower Medicare prescription drug costs by $468 million. While putting an extra $28 billion in tax revenue in Uncle Sam’s coffers. Unless, of course, you’ve turned a $500 stock investment into over $600,000 before. If so, you might have the chance to do it again. That’s a truly exceptional situation – one nearly impossible for any investor to anticipate. But no other market has shown an uncanny ability to deliver these kinds of gains. And you aren’t going to want to wait another moment!

Colorado Cannabis and the Future of the Industry

For Instance: Colorado also collected more than $135 million in marijuana taxes and fees in 2015 — more than $35 million of which is earmarked for school construction projects. “These are amazing numbers,” said attorney Steve Fox, one of the principal drafters of Colorado’s pot-legalizing Amendment 64, “especially on the tax revenue side. “Colorado released marijuana tax data for December 2015 on Tuesday, showing a major uptick in month-over-month sales. Recreational pot sales jumped more than 21 percent from November to December, landing at $62.2 million — a monthly record in the state’s legal era. Medical sales jumped more than 32 percent in the same period, totaling $39.1 million. And this industry is just getting off the ground.

Wall-Street.com to Start Marijuana Newsletter in 2019

Wall-Street.com will be your source for broad based, accurate and concise information on the Cannabis Industry and the latest investment opportunities to get into this new Marijuana Business for yourself
Get in on this new informative newsletter at a reduced price for the subscription on this Explosive New Cannabis Industry, Marijuana the way of the future for many, many uses.

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The Death of Buy To Let? Not for Savvy Investors

 

Changes in Property Investments

There has recently been a slew of negative headlines, bad forecasts and gloomy warnings about the death of buy to let. Stamp duty changes, tax rises, and new policies have muddied the waters around property investment. However, these dire warnings should be taken with a large pinch of salt. For savvy investors, buy to let property investment can be incredibly lucrative, you just need to be smart.

In the past buy to let property was a popular choice for get rich quick investors, looking to sell quickly and move on. After the economic crash and the slowdown of the property market, huge price rises are rarer, but not impossible. In certain areas of the UK, property prices have grown considerably over the past 12 months. According to the UK cities house price index, in Liverpool, house prices have risen by 7.5%, in Glasgow they have risen by 7.2%, in Nottingham by 6.9% and Manchester by 6.8%. These high growth areas often also benefit from affordable low entry prices, allowing investors to diversify their portfolios or purchase in more than one locations.

Doing Your Research

By doing research on which areas of the country are best for house prices and investing in regions which are benefitting from regeneration and investment, you can still make a considerable profit when buying and selling property. Property investment specialists like RW Invest are encouraging investors to look to cities like Liverpool and Manchester where property prices are on the rise and rental yields are good. Studio apartments, student accommodation and HMOs are all alternatives to the typical residential property investment. Opportunities to purchase buy to let properties are worth pursuing, and if you can find a below market value property in a high growth area you can make impressive profits.

Long Term Benefits of Buy To Let

The real benefit of buy to let is when you look long term. One key way of measuring an investment is through the rental yields. This tells you how much of your property you will earn back in rents over a year. For example, a property worth £100,000 that earns £6,000 a year in rental income would have a rental yield of 6%. The higher the rental yield the quicker a property will pay for itself. Rental rates have been on the rise in the UK, and the conditions are perfect for buy to let investors to find new properties. The UK housing crisis has seen a huge increase in the number of people looking for rental properties. With less houses available to rent and a harder time buying a first property, tenants are staying in rentals for longer than ever before and paying more for them too.

Rob Bence, presenter of The Property Hub’s Property Podcast said in a recent GQ article “Investing in property may have become a little more complex, with changes to tax relief rules and increases in Stamp Duty Land Tax now in play but property remains the safest form of investment and it is absolutely still possible to prosper from it”. Buy to let is definitely not dead and its unique benefit of earning rent as well as increasing in value makes it a doubly profitable venture. For smart investors who do their research, invest in up and coming areas and plan a long-term strategy, buy to let property investment can still pay off.

 

 

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