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[ad_1] A recent survey by the Research Department of Statista.com revealed that 34% of Americans had less than $1,000 in their savings accounts. This might sound disturbing, but this was actually far better than a survey CNBC reported on a few years ago that nearly 70% of Americans had $1,000 or less in savings. Personally, I don’t think it matters which statistical bucket you fall in to claim the following: making an extra $1,000 per month would dramatically improve your life. I know this because I’ve personally witnessed how making an extra $100, $500, or $1,000 per month has positively impacted hundreds of families. It’s why I’ve shifted a lot of my work to helping people make extra money as a side hustle and eventually creating multiple passive income sources. The best part is there are hundreds, if not, thousands of different ways to make extra money. I’ve purposely made this list to include strategies that can work for people with all kinds of skills and talents. You may not be able to do every one of them, but you’ll probably be able to do a few. You’re also going to see some strategies that probably won’t fetch $1,000 per month, or at least won’t do it right away. But I included them because it’s possible to combine two or three strategies to reach the target. #ap5851-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Lato,Arial,sans-serif}#ap5851-ww #ap5851-ww-indicator{text-align:right}#ap5851-ww #ap5851-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end}#ap5851-ww #ap5851-ww-indicator-wrapper:hover #ap5851-ww-text{display:block}#ap5851-ww #ap5851-ww-indicator-wrapper:hover #ap5851-ww-label{display:none}#ap5851-ww #ap5851-ww-text{margin:auto 3px auto auto}#ap5851-ww #ap5851-ww-label{margin-left:4px;margin-right:3px}#ap5851-ww #ap5851-ww-icon{margin:auto;padding:1px;display:inline-block;width:15px;height:15px;min-width:15px;min-height:15px;cursor:pointer}#ap5851-ww #ap5851-ww-icon img{vertical-align:middle;width:15px;height:15px;min-width:15px;min-height:15px}#ap5851-ww #ap5851-ww-text-bottom{margin:5px}#ap5851-ww #ap5851-ww-text{display:none}#ap5851-ww #ap5851-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap5851-w-map{max-width:600px;padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap5851-w-map #ap5851-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap5851-w-map #ap5851-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap5851-w-map #ap5851-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap5851-w-map #ap5851-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap5851-w-map #ap5851-w-map-map svg{position:absolute;left:0;top:0}#ap5851-w-map #ap5851-w-map-map svg path{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap5851-w-map #ap5851-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap5851-w-map #ap5851-w-map-map svg g rect{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap5851-w-map #ap5851-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap5851-w-map #ap5851-w-map-map svg g .ap00646-w-map-state{display:none}#ap5851-w-map #ap5851-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap5851-w-map #ap5851-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap5851-w-map #ap5851-w-map-map svg g:hover{cursor:pointer}#ap5851-w-map #ap5851-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap5851-w-map #ap5851-w-map-map svg g:hover text{fill:#fff}#ap5851-w-map #ap5851-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap5851-w-map #ap5851-w-map-btn{padding:9px 41px;display:inline-block;color:#fff;font-size:16px;line-height:1.25;text-decoration:none;background-color:#1261c9;border-radius:2px}#ap5851-w-map #ap5851-w-map-btn:hover{color:#fff;background-color:#508fc9} Take control of your student loan debt today. Refinancing your student loan allows you to save money and pay off your debt faster. Click below to see how much you could save! HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas Refinance Your Loan Today How to Make $1,000 Fast Online 1. Selling E-books  If you have an idea for an e-book, this might be one of the very best ways to create a regular income. Maybe best of all, once you get your book published and marketed, the income is totally passive! And if you can find success with one e-book, you can just rinse and repeat. You may already be familiar with e-books, but what you may not know is how many are being published each year, and how much money people are making publishing them. According to Amazon, thousands of independent authors have self-published e-books and earning more than $50,000. More than 1,000 have earned over $100,000 in royalties. It’s best to make the topic on a subject you’re experienced with. But it’s also important to make sure there’s a proven market for that topic. There are ways you can research a topic idea to make sure it’s a popular one. Once you create your e-book, you’ll need to create a sustained marketing program. That’s not easy, so check out our post How to Make Your First $1,000 Selling Ebooks to get a primer on how you can create and market your first e-book. Skills needed: Basic technical knowledge, formatting, Google docs (or Microsoft Suite), specific knowledge about a topic, and social media knowledge. Earning potential: Depending on the market and how you brand yourself and your product, e-Books can sell anywhere between $0.99 and $15.00 for more advanced pieces. 2. Freelance Writing  Do you see all that content out on the web? Somebody had to write each and every one of those articles and posts. And most likely, they got paid to do it. You could be one of them, and it’s one of the best and most lucrative side hustles there is. You can easily make $1,000 or more each month writing just a few articles. And like so many other income opportunities in this guide, this is one side hustle that can easily be turned into a lucrative full-time career. Don’t worry if you have never written professionally before. Creating content on the web is different from book writing or print media. It’s much more casual and based more on personal experience than technical knowledge. “I started freelance writing on the web with no previous writing experience whatsoever. But within a few years it became a full-time career, complete with a six-figure income. More than anything, it takes a commitment to try and willingness to learn as you go along. Once you find your niche, you’ll find clients all over the web.” – Kevin Mercadante, Freelance Writer since 2010 If there’s a topic area where you’re knowledgeable, and you have a desire to write on a regular basis, this could be the side hustle for you. And once you get up and running, you can expand to writing all kinds of content. “I write online content for a living, earning an average of $20,000 to $30,000 per month writing articles, book chapters, and slideshows for a variety of websites and individuals. With more money at our disposal, we maxed out our retirement accounts and invest in real estate, while we travel 12 weeks annually.” – Holly Johnson, Freelance Writer and Blogger at ClubThrifty.com Holly has become so successful as a freelance writer that she now offers a course helping others succeed on the same path. You can read all about it in her article, How to Become a Freelance Writer (from 0 to $30,000+ per month). Skills needed: Strong writing skills, time management, some marketing and SEO knowledge, ability to accept constructive criticism, researching Earning potential: Once you’re well-established within an industry, there’s virtually no

[ad_1] The post 7 Real Estate Investing Platforms to Grow Your Wealth appeared first on Millennial Money. Real estate investing platforms provide a means for investors to grow their wealth with real estate without shelling out cash for a physical property they’ll have to maintain. These platforms enable investors to buy shares in real estate projects, commercial buildings, and REITs (real estate investment trusts).   When most people think of real estate investing, they’re thinking of buying a place to rent out, or buying a fixer to rehab and sell. But the world of growing cash with smart real estate investments has definitely expanded. You no longer have to stress about qualifying for another mortgage so you can make money on a rental. Investment platforms make it really easy to be an armchair real estate investor and enjoy those profits as well. Online Real Estate Investment Platforms  Fundrise DealMachine CrowdStreet Groundfloor Yieldstreet PeerStreet RealtyMogul Fundrise Fundrise is the first investment platform to create a simple, low-cost way for anyone to access real estate’s historically consistent, exceptional returns. With a track record of purchasing over 200 assets worth over $5.1 billion, Fundrise offers an element of trustworthiness others may not be able to offer. The sheer diversity of the types of properties and their expanse of geographic locations bodes well for investors who like to maximize diversification. Facts: Current investment minimum is only $10. Good for beginners and doesn’t require being accredited. By managing all of their purchases and finances in-house, Fundrise is able to keep fees low for investors. Their app makes it easy to stay informed about property completion, progress, and occupancy reports for the real estate you invested in. Nice! Be aware: With a focus on lower-risk investments like multifamily properties, the potential for earnings isn’t as maximized as it could be. Fundrise isn’t for investors with large amounts of cash they’d like to sink into individual property offers. Crowdfund real estate investing isn’t without risks. Though Fundrise has a stringent vetting process, there’s still a risk of default and loss of funds. Fundrise Fundrise offers crowdsourced real estate investing, most real estate investing platforms are only open to accredited investors, but Fundrise makes it accessible to all investors. Get Started DealMachine DealMachine is a real estate investment app that assists real estate investors as they canvass areas looking for distressed houses to buy. The most common app perk is access to property owner information (which they term “driving for dollars leads”). You’ll also get info about mortgage balances, vacancy status, etc. The term “driving for dollars” is used many times in DealMachine’s marketing language. However, you won’t be paid to drive around looking for houses. It’s a common phrase among real estate investors which means that sometimes all that driving around could result in earning some dollars—if you convince someone to sell. The app helps you chart the routes you’ve already driven and has a function for keeping a running list of potential properties you spot. As part of your membership, DealMachine will then send postcard offers to the list of houses you compile. Facts:  Offers a 7-day free trial and then $59/month for the cheapest plan which gives you up to 500 homeowner’s contact information. They offer access to data such as county records, mortgage balance, and vacancy status. This is a direct mail marketing service as well; you can customize designs and send more than one mail sequence. DealMachine is designed as lead-generation software; you do the groundwork, and it fills in the owner/property information and markets via mailings. Be aware: You won’t get paid to drive around and look for houses. DealMachine doesn’t show you where houses are or help you pay for them. If you find a homeowner willing to sell, you’ll need real estate transaction knowledge or a real estate agent to help with the sale—as well mortgage qualifications or cash for purchase. CrowdStreet CrowdStreet offers a variety of real estate investment projects which you can compare and review easily on their website. If there’s an opportunity you’d like to invest in, you’ll have access to the financial documents for that project. And you can attend a live Q&A webinar with the sponsor as well. Talk about being well informed! This platform offers investors a chance for a diverse real estate portfolio with choices in risk level, geographic location, and type of property. Facts: This isn’t for beginners—accredited investors only. This kind of investing is considered real estate crowdfunding, where individual investors pool money to fund projects. There’s a minimum investment of $25,000.  It has a user-friendly platform for both investors and sponsors.  Be aware:  All real estate investments carry risk, and crowdfunding is no exception. Beware of defaulted loans and canceled projects. Investing in any kind of real estate on a platform such as CrowdStreet is a longer term commitment than other types of investments. Your money isn’t liquid. There’s a high minimum investment, therefore you have a lot to lose if something goes wrong. CrowdStreet With a CrowdStreet account, you will be able to invest in individual commercial real estate projects. You can also invest in a Portfolio of dozens of properties to diversify your holdings. Create Your Free Account Groundfloor Groundfloor is crowdfunding that offers loans to people who’d like to buy a house to fix it and flip it. Instead of having to qualify for a traditional mortgage or loan, real estate investors looking to buy a property can turn to Groundfloor crowdfunding to borrow from individual investors like you and me. The website is very easy to use, set up an account, and view the projects waiting for funding. We also like that there are very specific progress reports on how the work on the house is progressing. Facts:  Current investment minimum is only $10. They claim average returns of 10% or more. These are short term loans with 6-18 month terms (with a range in between). You’re investing in real estate debt rather than equity investments

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[ad_1] Brazil's Petrobras elects Jose Mauro Coelho as CEO [ad_2] Source link

[ad_1] Union Minister for Chemicals and Fertilizers Mansukh Mandaviya on Thursday said that the government wants to reduce the compliance-burden on the pharma industry for ease of doing business. Speaking as the chief guest at an Indian Drug Manufacturers’ Association (IDMA) event here, Mandivya, who is also the Minister for Health and Family Welfare, said that the Narendra Modi-led government at the Centre is not only “pro-poor” and “pro-farmer” but “industry-friendly” as well. “We want the ease of doing business for the industry and lessen the compliance burden on it. This is why we always carry out consultations with all stakeholders prior to the formulation of any policy or regulation (governing the pharma industry),” Mandaviya said. The government is helping the industry by amending the Drugs and Cosmetics Act, 1940 and promoting Ease of Doing Business, he said, adding, “We are involving the industry in decision-making processes”. Also, through a series of webinars, the government has tried to reach out and consult industry and other stakeholders on the implementation of Union Budget provisions, the minister stated. “Our government is pro-poor, pro-farmer and industry-friendly government. It is dedicated to the poor and farmers but at the same time it is an industry-friendly government as well,” he emphasized. Stating that the industry plays an important role in nation-building and also in achieving self-reliance, the Minister said that today the Indian pharma industry is known in the world which is due to the efforts of both the Government and the industry. He said that the government is working to make the pharma industry self-reliant and also enhancing and the introduction of the Rs 15,000 crore Productivity-Linked Incentive (PLI) scheme is a step in this direction. Through the Production Linked Incentive Scheme, the government has tried to reduce imports by encouraging domestic manufacturing of pharmaceuticals, he said. Manufacturing of 35 Active Pharma Ingredients (API), which used to be imported earlier, has started in the country now under the PLI Scheme for the pharma sector, Mandaviya said. The Minister urged the pharmaceutical sector to prepare a plan for the next 25 years “Government does not view the health sector as a profit-making industry. When we export medicines, we do it with an attitude of ‘Vasudhaiva Kutumbakam’. During the first wave of COVID-19 pandemic, India supplied medicines to 125 countries,” he added. [ad_2] Source link

[ad_1] Federal Reserve in Washington, D.C. What happens when the Federal Reserve begins pulling back in a serious way from the mortgage-backed securities (MBS) market that it has helped to prop up through billions of dollars in bond purchases since the start of the pandemic in 2020 — to the point where it now holds a $2.7 trillion agency MBS portfolio? In short, uncertainty is the forecast, according to industry experts who weighed in on the subject.  Long-term, however, they agree the market will work through the changes and likely wind up better off, assuming the Fed’s so-called quantitative tightening strategy manages to tame runaway inflation and chases off its close cousin, a recession. “It doesn’t make sense to start raising interest rates [to fight inflation] without running off their MBS portfolio,” said Laurie Goodman, vice president for housing finance policy and the founder of the Housing Finance Policy Center at the Urban Institute.  How that policy of shrinking the Fed’s MBS holdings will ultimately shake out short-term in the mortgage origination and secondary markets as it is played out, she said, is simply not knowable at this point, however. “It’s just hard to tell exactly what will happen because there’s so many currents,” Goodman explained. “You don’t know what investor demand is going to be. At the end of the day, though, the product [agency MBS] will be absorbed at a price.” Ray Perryman, president and CEO of The Perryman Group, an economic research and analysis firm based in Texas, added that the Federal Reserve must act now to get inflation under control. He, too, agrees that there are “too many moving parts” to predict with any degree of certainty what will happen to the agency MBS market, the origination market, or the private label securities (PLS) market in the short-term as rates continue to rise and the Fed pulls back further from MBS purchases. “Although we are not facing the same structural issues as the late 1970s and early 1980s, prices are rising at the fastest rate in decades and unemployment is trending below 4%,” Perryman said. “There also seems to be adequate momentum to sustain growth with a more restrictive policy, although that patter will have to be monitored very carefully.   “Of necessity, this [effort to battle inflation] will involve actions such as increasing baseline interest rates (likely in half-point increments) and reducing the Fed’s portfolio of mortgage backed (and other) securities. “ The Federal Reserve, as part of its inflation-busting strategy, ceased making new purchases of agency mortgage-backed securities, or MBS, in early March.  Its quantitative tightening efforts also included a quarter-point boost in its benchmark interest rate in March, with at least six more bumps planned yet as the year progresses. The Fed’s agency MBS holdings now total about $2.7 trillion and, so far, it is continuing to replace maturing assets in that portfolio as they run off the books.  That’s about to end, however.  Notes from the Fed’s March gathering of its Federal Open Markets Committee (FOMC) indicate that there is consensus around a plan to cease replacing up to $35 billion of maturing MBS assets each month. For some context, in February, as the Fed was winding down its net new purchases of MBS at a pace of $10 billion a month, its gross monthly agency MBS purchases totaled about $60 billion, or 31.3% of total agency gross issuance for the month.  The Feds existing $2.7 trillion portfolio represented about 25% of the total $10.7 trillion in agency MBS issuance outstanding as of year-end 2021, according to figures from the Securities Industry and Financial Markets Association, or SIFMA. Cutting another $35 billion from the Fed’s monthly MBS purchase tally will create a significant amount of new supply in the market and likely further increase pressure on interest rates, which could be amplified by other potential world events, explained Lawrence Yun, chief economist for the National Association of Realtors. “Directionally, it means higher mortgage rates,” Yun said. “… If China reduces its holdings of U.S. government bonds or GSE-related [government-sponsored enterprise] securities, then interest rates will rise even further.  “The soaring federal deficit requires even more buyers of bonds, and some government bond sales may make it more difficult to issue MBS securities, unless with higher interest rates.”  The Fed, however, appears resolute in its path. The cost of doing nothing on the MBS front is too high. “All participants agreed that elevated inflation and tight labor market conditions warranted commencement of balance sheet runoff at a coming meeting,” the FOMC March meeting notes state. “Participants generally agreed that monthly caps of … about $35 billion for agency MBS would likely be appropriate. Participants also generally agreed that the caps could be phased in over a period of three months or modestly longer if market conditions warrant.” When new MBS runoff-replacement contraction program will begin is not clear at this point. The FOMC’s next meeting is in early May. The ultimate impact on the origination and private label securities markets, and the broader housing market, of losing some $35 billion in monthly agency MBS buying power could be offset if other investors step up to the plate to fill the void.  Some industry experts, however, expect the Fed’s move to significantly decrease its reinvestment in agency MBS will likely create more short-term disruption in the nation’s housing market. It’s a market already under siege from a hawkish Fed policy that has sparked a sharp rise in interest rates, up 1.5 percentage points over the past three months — with the average 30-year fixed mortgage rate now over the 5% threshold, according to recent rate lock figures from Black Knight‘s Optimal Blue OBMMI. “As the Fed pursues quantitative tightening (the steady undoing of quantitative easing), more private bond investors have to step up to buy MBS securities of GSE and private labels, Yung said. “The soaring federal deficit requires even more buyers of bonds, and some government bond sales may make it more difficult to issue MBS securities, unless with higher interest rates.  “All in all, the

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[ad_1] VIP bags has launched a new campaign ‘Pyaar wahi par soch nai’ for the upcoming wedding season. Featuring brand ambassador Vani Kapoor, the campaign promotes the company’s new wedding collection of travel bags. The campaign aims to highlight the Indian society stereotype with a progressive thinking message. As per the company, marriage is one of the key triggers towards investing in luggage and the advertisement aims to highlight the identity of VIP bags through its brand new collection. “The brand has picked up an insight on how the woman is barraged with blessings which put unnecessary pressures on her right from day one of her new life. Through this film, VIP bags aims to bring in a much-needed shift in people’s perspective of doing away with such unnecessary pressure and enabling the young bride to settle in easily into her new home,” it said in a statement. The ad film captures the emotions of a new bride while she is all set to embark on a new journey and conveys to women not to succumb to pressures after getting married. In the film Kapoor plays the role of a new bride and represents the outlook of a young Indian woman towards marriage and highlights the pressures that new brides have to submit to. For Praful Gupta, vice president, marketing, VIP Industries Limited, with the upcoming wedding season, while touching upon the ceremonial aspects of the occasion, VIP bags wanted to stand for something real and more meaningful with this campaign. “The message in the ad film reverberates with the inner voice of every woman in the present-day empowered world. With this messaging, it also showcases our progressive and forward thinking. We roped in Kapoor for this campaign keeping in mind her youth appeal. She certainly resonates with the audiences with her charm and traditional, yet modern approach.” he added. Read Also: mSix&Partners promotes Subhamay Mukhopadhyay to managing partner, India Follow us on Twitter, Instagram, LinkedIn, Facebook [ad_2] Source link

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