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.

Many companies, startups, and individuals, unfortunately, follow what we would coin a 'Euphoria' buying pattern. Let it be Peloton being overly optimistic about sales, then missing the sales targets without realizing that the sales patterns were associated with a short-term boon of COVID-19. Next, let's get into residential real estate, as it's in a bubble, and our firm does not predict individuals will be back in the office until 2024, which in turn would mean a boon to the cities around 2024. Similarly, Bitcoin in the long-term will have the price go down to zero, but blockchain technology will still exist, as it's a good solution for identity recognition. This also means many venture capitalists diving into firms that use blockchain and machine learning fail to realize that software such as Interactive Brokers works just fine and already allows individuals to trade crypto-currency, so more often than not, there's nothing proprietary in the market, and these investors will, unfortunately, continue to lose their investment 9/10 of the times.

Similarly, all people should know that crypto-currency is not much different than any type of fiat currency, such as the U.S. dollar because Bitcoin in its very nature is backed by nothing. Bitcoin is in a bubble that is already bursting, and we anticipate it to be gone completely within ten years due to China banning it, as well as other government agencies foreseeably into the future. Prices have all one thing in common, which is a reversion to the mean. Firms should always price in recessions, and not be overly optimistic as they were when mass hiring occurred in 2019, as well as a subsequent mass-firing in 2020. In short, our mid-term trend analysis as defined as the end of 2024 is bitcoin continuing to crash, cities returning to normal, residential housing prices starting to go to normal, and companies that had a boon from COVID-19 having their prices go back to normal.​

Legal Disclaimer:
This post does not constitute an endorsement or recommendation to buy or sell a security, as well does not reflect any customer of Investment Sciences' opinions and is for educational purposes only. 

Many individuals, especially banking executives, work such long hours it is nearly impossible for one to build a strong network of career-oriented individuals. Lunchclub has been transformative to our firm in which we were able to meet successful individuals, new customers, obtain advice from individuals in other fields. At times, however, it is frustrating when individuals do not join the meetings, which can sometimes burn through your time. All in all, the platform has been a positive experience, and we wish all of our readers economic progress, as well as any firm who reads this.

The Covid-19 pandemic has hit many small institutions that unfortunately did not receive adequate capital from the PPP loan, and many landlords were hit particularly hard in regards to the pandemic with little to no solutions. Luckily for our clients and readers, we have come across a loan for landlords and companies still residing in NY. To qualify  for this loan, we have created a checklist for you below, and we do not receive any money from this post.

To Qualify:

• You did not receive more than $500,000 from the PPP loan
• You did not receive more than $150,000 for the EIDL loan
• Your company conducts business in NY and you reside in NY

To qualify for this five year loan, please visit https://esd.ny.gov/ . We hope this helps everybody recover gracefully from the Covid-19 pandemic.

While many individuals are uncertain, regardless of his or her age, about the return on investment for education, one can fully comprehend the cost/benefit analysis about which degree is of utmost importance in regards to income potential. Likewise, some interesting findings for lower-ranked universities showed that individuals should strive towards technology, science, and mathematics as the pay differentiation between other universities was closely related. The website emolument shows that individuals regardless of age could make a mathematical determination of his or her returns associated with what school he or she can afford to attend, what type of job he or she wants, and lastly comparing schools amongst degrees for income potentials. In short, one must realize that the career goals and aspirations should align with the degree and not just base it on income. However, one needs to run the numbers to see if school is worth it for a given major or a given school. Please visit ​www.emolument.com/salary-reports/universities to learn more about salaries per job, university, or location.