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.
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.
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
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.
It was not long ago that every firm built their own in-house dashboards. Clients today can still opt to build them in-house and some do — they just don’t deliver as promised. Many of these projects are extremely over budget and behind schedule. This is why we were excited when we heard about a new piece of software that could build dashboards in one business day for $10 per user per month called Retool. Retool has a lite-touch programming interface, which allows business stakeholders to quickly achieve results within one week. Our flagship product, Investment Lab, which is a two-sided marketplace to match investors to models, took over a decade to develop, and the full user interface was built out using Retool in just one week. In short, if you are in a project that is over-budget or behind schedule, we could assist you with an agile project, along with tight timelines, to ease your pain, and get you where you need to be.
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.
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.
Save Business from Lost Revenue
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 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.
How to use Gmail properly
While one would not consider this specific post to be particularly innovative, it is important to note that many individuals may or may not be utilizing Gmail, and other basic office utilities properly. In order to better facilitate the utilization of technology, one should take into account that Gmail in particular allows one to create rules. We hope by reading this post, one can comprehend the methodologies to create rules.
1. Search all conversations
2. Figure out what you want to include
3. Once you click on create filter, you can ensure that everything is archived, and that the data flows into the proper folder - note we have the jobs folder to the left.
New trends in Consulting
Many individuals, unfortunately, work such long hours that if a company restructure occurs or if an individual is a consultant and the project ends, he or she is out of work for a very long time and may not have the latest knowledge to land the next role. Alternatively, one could be stagnant within his or her role and does not know where to even begin. Luckily for our audience, we distill this down by allowing individuals to visit https://www.producthunt.com/, which allows individuals and companies to analyze the latest products associated with a specific industry or topic, in which the firm can test out new products with little to no risk. Take a look and let us know what you think.
Best Investment Mortgage rates
This blog post was featured in Citizens Journal.
Former Treasury Secretary Larry Summers has railed against the latest $1.9 trillion dollar pandemic relief package. Combined with the two passed in 2020, he warned, they could overheat the economy and lead to inflation thus forcing the Fed to raise interest rates, which in turn could cause a recession.
Summers raises a valid point in that the Fed is almost out of options; if the economy overheats, the Fed would have to raise rates. However, many need to take into account the financial impact of the pandemic with 9.5 million people still out of work. The total $4.5 trillion dollars in financial assistance is more palliative than stimulative. Funds were allocated to replace the lost economic activity and to keep the wheels of commerce turning to keep people in their homes.
2020 marked a record low number of homes in foreclosure because of the CARES Act. Millions of homeowners entered and exited mortgage forbearance programs, either catching up on back payments or changing the payment terms of their loans.
The Federal Reserve has managed interest rates and aided homeowners and lenders by purchasing mortgage-backed securities. Summers needs to recognize just how dovish the Federal Reserve is on interest rates. The Fed holds $7.5 trillion dollars on its balance sheet with more than $2.5 trillion added since March of 2020, which almost guarantees low interest rates for years to come.
Inflation will not be an issue unless the Fed changes the way it computes consumer costs through the Consumer Price Index (CPI), the selective counting of goods and services consumed in the current time period. Today the CPI, unfortunately, does not include real estate, energy, healthcare costs, education costs, stock market percentage increases or food prices. Of the three basic needs in life—food, clothing and shelter—it only fully counts clothing.
While many would argue that food, stocks, healthcare, and energy prices can fluctuate for a variety of reasons—political unrest, droughts, floods, hurricanes, a cargo ship stuck in the Suez Canal—there should be a separate measure of inflation that calculates into a single bucket of food, housing, healthcare, and stock market percentage increase to actually see the real-world impact of economic policies of ultra low-interest rates. If such a measure did exist, Summers is partially correct that all of the stimulus incurred has actually increased the cost of everyday living for all citizens, and that these stimulus’ can cause individuals to mal-invest capital into overpriced assets that were caused by the federal reserve’s economic policies, such as the fact in the past economic recession.
If housing prices were counted among other missing elements, inflation would certainly be on the rise. It seems oxymoronic that the CPI is used to factor in raising or lowering interest rates that affect housing purchases, while at the same time the cost of the houses purchased is not included. The rationale behind the exclusion of the largest single purchase in most consumers’ lifetime is that the payment for said purchase is spread out over years. New car prices are included, and those payments are spread over years.
The fact of the matter is that the Fed has been trying to achieve inflation for the past decade, but it has struggled for a number of reasons. First—and one that not many people are talking about—is that many millennials are not having children, and population growth is stagnant. Ahead of the full report, the U.S. Census says that between July 2019 and July 2020, the U.S. population only grew 3.5%, the lowest growth since 1900. This is similar to the lost decade of Japan with its population issues and ultra low interest rates.
The second reason is the growth of technology. India is now the #5 economy in the world, and it’s largely IT-focused, particularly in regards to automation, which increases productivity, thus lowering inflation in the US consumer market and globally.
The third reason is Amazon, which is a global inflation-killer. Because there are no storefronts, Amazon significantly reduces operating costs, thus undercutting brick-and-mortar retailers.
The stimulus was required to keep individuals in their homes, but part of the symptom of low inflation is ultra low-interest rates because the cost of everyday goods and services is rising rapidly. Many people are choosing not to have children because of this. The Fed in turn continues to keep ultra low-interest rates, which will perpetuate population issues and asset price increases, such as bitcoin and real estate where individuals mal-invest capital from artificial price increases. Once the economic policies end to keep individuals in their homes, the foreclosures will, unfortunately, begin to occur. Likewise, bitcoin is technically an inflation hedge, which may approach $100,000 in the near future, which is defined as one to three years from now, but will also crash similar to 2017 because all things in life revert back to the average.
In short, Summers is simply stating that if the Fed needs to raise rates, deflation will occur, which is worse than inflation. The economic policies of the Fed are continuing to create asset bubbles and make everyday goods and services affordable. However, they did do something right compared to the previous crises by acting swiftly. The Fed’s swift responses have allowed institutions to take on debt with a low interest rate, keeping some people at work who would have otherwise lost their jobs.
Michael Kelly, the founder of Investment Science, is an economist and financial consultant.
Michael Kelly has been working within banking technology for over a decade, and his experience spans across algorithmic trading, project management, product management, alternative finance, hedge funds, private equity, and machine learning. This page is intended to educate others across interesting topics, inclusive of finance.