While the labor markets continue to be volatile due to the fact that banking and technology has been laying people off, many individuals, as well as small businesses, may be curious as to all of the programs out there for entrepreneurship in regard to technology cloud services.

Luckily for you, we have listed out some of the partners, with the application links, as well as the business benefits.

1) https://foundershub.startups.microsoft.com/ - Microsoft Azure has been gaining market share, and as of February 2023, Microsoft owns 22% of the total market share. This application if approved, can provide you and your firm up to $150,000 worth of credits for up to three years!

2) https://aws.amazon.com/activate/founders/ - Amazon Web Services was early to market their services, and currently holds  33% of the market share. While the perks aren't as big as Microsoft Azure, it is notable to note that up to $100,000 worth of AWS credits are available to a startup to get your business off the ground

3)https://cloud.google.com/startup - Google cloud currently holds 9% of the market share. Similar to Amazon, the perks aren't as large as Microsoft, but they are still quite generous with $100,000 of free credits for founders.

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This month's post covers an exciting topic that has been talked about quite often: OpenAI. However, many people may not be aware of a useful tool called GitHub Copilot. In this post, we will highlight the top reasons why one might want to use GitHub Copilot, whether it's to increase productivity in a team setting or to accelerate learning how to code as an individual.
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There are several compelling reasons to use GitHub Copilot:

1. It is relatively affordable, at only $100 per year. This price point is significantly lower than what the price of OpenAI's chatgpt is expected to be.
2. GitHub Copilot integrates seamlessly with GitHub, allowing you to easily store and access all of your code in one place.
3. With GitHub Copilot, you can simply type out what you want to achieve and the tool will generate the code for you, saving you time and effort.
4. By utilizing GitHub Copilot, you can streamline your workflow and save time in the development process.
5. Companies can potentially reduce their costs by hiring fewer developers, as GitHub Copilot can help to automate certain tasks."

You can find it at https://github.com/features/copilot

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1) We visited NYC, Silicon Valley, and spoke with different personas in regard to the economic outlook. These individuals had a high net worth and have been around multiple economic cycles.

2) Interestingly enough, one can see that with the rising interest rates, the S&P 500, as well as real estate may have a 20-25% pull-back in the next 2 years.

3) While we all wait for the market to correct, there is an interesting piece of software called https://www.mashvisor.com/ that can find real estate deals when we hit  the bottom of the market.

4) As companies begin to conduct hiring freezes, it's still important to notate that the M1 money supply went up five fold - so cash is sitting out there

​5) Use your time wisely and time this market!

​Legal Disclaimer - We preface these posts in which any investment commentary is not an  endorsement to buy or sell a security, and does not represent our customers opinion. This is just an educational post.

Google Colabatory allows individuals and corporations to install the latest technology via virtualization. Here are the top five reasons individuals, schools, and corporations should leverage Google Colab.

1) Google Colab gives everybody the ability to learn expensive technologies such as apache spark and apache flink, which transforms interpretive programming languages into the JVM, and is horizontally scalable.

2) Without Google Colab an individual would require a large sum of money to setup a cloud server, and best of all, it's free!

3) In the classroom, many students struggle installing IDE's, but love Jupyter notebooks - this product can help the students learn quicker without having to constantly manually install libraries.

4) You can stay on top of the latest technologies because the servers are virtualized, and would cost you no money at all, whereas before it was cost prohibitive.

5) By staying on top of the latest technological trends, one can boost his or her earnings in the classroom as professor, engage students more often, or for those executives in corporate you can better retain your talent and gain a competitive edge.

Everyday prices such as food, housing, and gas have gone up quite substantially in 2022. Food in The United States has gone up about 10% compared to 2021, but some constituents are reporting takeout food pricing increasing by 30%. Similarly, housing has gone up an additional 10% in 2022 largely in part that The United States needs to produce 1.5 million homes per year, and has been unable to do so for over a decade, even in a normal economy. Add in supply chain issues, and raw materials taking an additional six months to ship, one could argue it's a recipe for house prices to be sticky in nature. Additionally, many individuals and corporations refinanced in 2020 to a 2.5% interest rate, and with interest rates rising, it leaves very little motivation for individuals to move out of existing real estate. Since new purchasers cannot afford new housing, the demand for rentals will increase. Additionally, the Federal Reserve continues to raise interest rates, which increases HELOC borrowing costs on landlords, who pass those cost down to consumers. Additionally, the price of oil went negative in 2020, and is currently at unsustainable levels in the long-term. This triple-entente is not good for consumers to spend, on top of corporations tightening the purse strings of a looming recession. One case study many individuals forgot about is when Europe embraced the Euro. When Europe embraced the Euro, many countries such as the Netherlands had their old currency price, but a Euro in front of it with the new currency, which was much higher in value. Real estate will continue to go up, food prices will be sticky, and gas will be back down to normal prices in the next two years. This means that employers will have to pay higher wages in order to attract talent, and many countries not experiencing high food prices, may exhibit a larger immigration influx. Just remember whenever prices are out of whack, like they were with Bitcoin in 2021, they eventually go back down to reality, due to reversion of the mean principle. On the other hand, housing and food prices tend to be sticky (outside of the 2008 crises). It is notable to consider the M1 money supply has not gone down, and increased by 500% from 2020. These prices will be offset by firms cutting spending, consumers cutting spending, and the prices will revert back to the mean at a more acceptable level with the political elections being a catalyst to more sustainable pricing for all.

More often than not, our firm receives a fair number of asks in regards to capital raising, as well as capital introductions. Prior to any firm receiving capital, the founder should be aware that if they are seeking capital from venture capital that he or she needs to understand:

​1) Does the venture capitalist even invest in the area that the company is in? I.e. do not go to a venture capital that does deep tech artificial intelligence investing when your firm is a regulatory agency.

2) Understand at which stage the venture capitalist invests? I.e. SEED, Series A? Do not go into a Series A investor asking for Seed.

3) Understand much capital does the venture capitalists fund have? I.e. $100 million? $10 million?

4) Understand from question #3 how much of that capital has already been deployed? I.e. $10 million/$100 million? This shows if this venture capitalist is just kicking the tires, and not serious.

5) From question #4 also ask them how quickly do they deploy capital? I.e. be prepared to offer them something generous in return or look at it from there perspective in what they would actually invest in.

While these questions are not the exhaustive list, it's also important to notate that many venture capitalists lose money 9/10 times, and there are alternative measures of funding. If you'd like to find out more, please schedule a free consultation with us.

There are many websites out there that are not ADA compliant. If our readers take a look at our website, ADA compliance is defined by having a business website with a widget to be accessible for blind, deaf, individuals who must navigate by voice, screen readers, and other assistive technologies. Unfortunately, there are law firms targeting small, as well as large firms that do not comply with the law. Believe it or not, non-compliance can cost a firm. The ADA compliance law dates back to 2018, and could cost each occurrence upwards to $30,000 + . Additionally,  individuals can understand that our firm can help you become compliant. Schedule a free consultation below, to avoid unnecessary legal costs.


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​While many individuals leverage google trends for markets such as ecommerce to see which products to sell, there are various other variations in which google trends could be quite useful in regards to researching investments. For individuals seeking to learn how to leverage google trends, it is vital for he or she to understand that one first must pick a programming language. For the purpose of this article, we chose to use the python programming language. Some of the benefits in regards to python are it's simple to use, quick to code, and fewer lines of code. Some of the drawbacks are it's interpreted language in nature, which means the code takes longer to run than say Java, but this could be resolved with Apache Flink or Apache Spark, which convers the code into the JVM, and is out of scope for this tutorial.. When writing code, it's vital for one not to fall in love with a programming language. Now, we get into utilizing python for google trends pertaining to investments.

Steps:

1) Download Pycharm -> https://www.jetbrains.com/pycharm/download/#section=windows
2) Install Anaconda -> https://www.anaconda.com/products/distribution
3) Run the source code below, and replace the ticker symbol with a new ticker symbol:

# import the TrendReq method from the pytrends request module
from pytrends.request import TrendReq
from pylab import *
# execute the TrendReq method by passing the host language (hl) and timezone (tz) parameters
pytrends = TrendReq(hl='en-US', tz=360)
# build list of keywords
kw_list = ["AAPL"]
# build the payload
pytrends.build_payload(kw_list, timeframe='2021-02-22 2022-02-22', geo='US')

# plot all three trends in same chart


# store interest over time information in df
df = pytrends.interest_over_time()
# display the top 20 rows in dataframe
print(df.head(20))
df.plot()
show()

Legal Disclaimer:

This post does not constitute an endorsement for an investment, does not reflect the opinions of any Investment Sciences' clients or affiliates, and is solely for educational purposes only.