Category Archives: BUSINESS EMPOWERMENT BLOG

Tanzania is the #CountryoftheWeek – YALI Network

Did you know that some of the world’s oldest human skulls have been found in Tanzania’s Odulvai Gorge, which is also known as the cradle of humankind? But you don’t have to go back 200,000 years to discover other interesting facts about Tanzania, this week’s #CountryoftheWeek. Learn more and get better connected with Tanzania by liking U.S. Embassy Tanzania for the latest news!

$100/HOUR WITH YOUR PICK-UP OR VAN – Own Your Business

If you love cars and prefer driving to just about anything else, you can turn your interest into money-making opportunities based that involve cars and being on the road. You can combine that fascination together with another area in which you’re experienced and put in on wheels to create a new, money-generating niche for yourself.For a one-person business based around a motor vehicle, the van or pick-up is often the vehicle of choice. It gets reasonable mileage, maneuvers easily, and holds lots of cargo. Your major

For a one-person business based around a motor vehicle, the van or pick-up is often the vehicle of choice. It gets reasonable mileage, maneuvers easily, and holds lots of cargo. Your major considerations will be adequate power and size, the costs of maintenance and repair, and reliability.

Using a pick-up or van, you can start a mobile detailing business. There’ an increasing demand for high-quality detailing, particularly in urban and suburban areas. Detailing is popular because appearance pays, not only for those who look good but for those who make them look good.

If you enjoy working with animals, you can establish a mobile per car business. You can turn the back of your van into a deluxe studio where Rover and Fluffy can be bathed trimmed and cared for in style.

What about mobile locksmithing? People who have locked themselves out of their homes or their cars need help immediately. If you provide instant response, you’ll be a favorite with customers, police departments and shopping malls. Another convenience people will pay money for having their oil and oil filters changed without having to go to a service station. And depending on your interests you can go far beyond oil changes with the mobile maintenance concept. You can also do tune-ups on the spot, change tires, or make minor repairs. The

Another convenience people will pay money for having their oil and oil filters changed without having to go to a service station. And depending on your interests you can go far beyond oil changes with the mobile maintenance concept. You can also do tune-ups on the spot, change tires, or make minor repairs. The key is to maximize convenience to the customer.

Waste hauling is another lucrative opportunity. Our society is one where there’s a lot of waste items that have to be taken away. Contact contractors, apartment rental services, condominium associates and landscapers to see if they want any trash hauled away on a regular basis. Think twice about accepting anything that qualifies as toxic waste, and don’t get stuck with any toxic waste. You lay yourself open to major disposal fees for certain materials, and even larger fines if you’re caught dumping them illegally.

You may be able to pick up extra money by coming up with ways to recycle some of the items you’re paid to haul away. Fix any slightly damaged furniture or equipment, and sell it at your garage sales or go to swap meets. You can also find markets for building materials.

Perhaps you like cameras and photography? Why not be a mobile one-man camera crew? You can sell your photography skills by videotaping events such as weddings, parties, ball games and any other special events. You can outfit your car or van with all the equipment you need, and you can rig a platform atop the van for that special high angle that most people don’t think of. You can also shoot on-the-road tapes of proud car owners in their favorite vehicles.

Maybe you like variety – so you can combine these ideas in any combination that suits you. You’ll find yourself making a lot of money – doing exactly what you enjoy doing, with no boss but yourself.

Tips, Tricks, and Tools for Promoting Your Business Online
Learn How To Skyrocket Your Sales by 837%

The Shame of War – Civilians are #NotATarget

The brutality and viciousness of the sexual attacks that are reported from the current conflicts in Democratic Republic of Congo, Myanmar, Iraq and Sudan and the testimonies from past conflicts in Timor-Leste, Liberia, the Balkans and Sierra Leone are heartbreaking. Girls and women, old and
young, are preyed upon by soldiers, militia, police, and armed thugs wherever conflict rages and the parties to the conflict fail to protect civilian
populations.
We need to wage a different war, one against violence against women and girls and against the culture of impunity that protects the perpetrators
and their accomplices. To some extent, this battle is already underway, but it is in its very early days. People around the world, shocked at the
revelations from conflict zones, are becoming motivated and engaged to look for ways to end impunity and create effective legal mechanisms that
protect women and deny perpetrators sanctuary from prosecution and punishment.
(The Shame of War)                                                                                http://lastradainternational.org/lsidocs/IRIN-TheShameofWar-fullreport-Mar07.pdf

How You Can Make Serious Money When Markets Go Down

If you’re only buying stocks – or options, or any security – hoping they will increase in value, you could be missing out on a lot of profits.

Markets move up and down – you know this because on the down days, you feel it right in your wallet.

But it doesn’t have to be that way.

Yes, shorting, like most things in trading, can be both risky and complicated. But it doesn’t have to be. And contrary to what many novice traders think, it’s certainly not “off limits” to ordinary investors.

Today I’m going to show you an easy (and possibly very profitable) way to play the markets when you think they’re about to head south.

An Easy Way to Go Short

When I’m bearish and want to bet stocks are headed lower, I generally like buying inverse exchange-traded funds (ETFs) based on the major market indexes.

ProShares Short Dow 30 (NYSEArca:DOG) for the Dow Jones Industrial Average, ProShares Short S&P 500 (NYSEArca:SH) to short the S&P 500, and ProShares Short QQQ (NYSEArca:PSQ) to bet the Nasdaq is headed lower.

If I’m extremely bearish, and I believe stocks are going to fall hard today or tomorrow, I’ll sometimes buy a leveraged short inverse ETF like the ProShares UltraPro Short S&P 500 (NYSEArca:SPXU). The UltraPro Short S&P fund is a “3x leveraged” inverse ETF. That means if the S&P 500 goes down 1% today, SPXU would go up 3% today.

But this is important: Leveraged ETFs are only meant as short-term trading vehicles. That’s why I said “if I believe stocks are going to fall hard today or tomorrow.” Because of the way leveraged ETFs are priced, they’re “re-set” every day – they’re not good long-term holds.

In a perfect world, if your conviction is right and you buy a leveraged inverse ETF and stocks go down right away, and they keep going down for multiple days in succession, you’ll be a very happy camper.

I’m not greedy. If I have a straight run for a few days holding an inverse leveraged ETF, I’d take my profits as soon as I think the sell-off is over.

I wouldn’t wait another day, I’d ring the register and be happy. If I own an unleveraged inverse ETF like DOG, SH, or PSQ, I’d probably use a 5% to 10% stop to get out if the markets rallied. If you take small losses, you can get out and figure out where stocks are going and get back in if your timing was off but you think they’re going down again.

Now let’s look at one of my favorite plays: money…

Here’s the Trade for When Gold and Currencies Tank (or Skyrocket)

There are lots of leveraged gold ETFs. Here are some of my favorites. Just remember what I said about holding any leveraged ETF: they’re very short-term trading vehicles.

Another way to “leverage” gold on the upside (betting bullion is going higher) is to buy miners. Mining stocks move up a lot faster than gold itself in an up-trending gold market.

Currencies are a little bit different, but it’s not hard to trade their moves up or down. Don’t forget, you can’t just short one currency – all currencies are “priced” in terms of another currency, so they always trade as a “pair.”

If you think the euro is going down relative the U.S. dollar, you can actually sell short the CurrencyShares Euro ETF (NYSEArca: FXE). If you want a leveraged (2x) way to bet the euro is going down relative to the U.S. dollar, you can buy a popular inverse leveraged euro/dollar ETF, the ProShares UltraShort Euro (NYSEArca:EUO).

There’s another popular way to hedge and play downturns in the market, but it’s trickier than it looks. Still, done right it can lead to some big profits on the short side.

How to Buy and Play the iPath Hedges

I’ve got nothing against VelocityShares Daily 2x VIX Short-Term ETN (NYSEArca:TVIX), if you get into it and the move you expect, a dramatic drop in prices and a spike in volatility, happens right away.

But here’s that tricky part I mentioned.

It’s a leveraged ETF – so if you don’t get a sustained move down pretty soon after you buy it, and you sit with it a few weeks, or worse, a few months, it loses its value quickly. Bottom line, it’s a leveraged ETF and great if you get the timing right, get in, and get a sustained move in your direction.
I’m not a huge fan of the iPath S&P 500 VIX Short-Term Futures ETN (NYSEArca:VXX), either, because it’s based on VIX futures.

VXX is thought of as an ETF, but it isn’t. ETFs have their own supply and demand dynamics and their own bid-ask spread dynamics. But it’s based on two sets of futures that have their own “valuation” dynamics based on rolling first- and second-month futures contracts.

VXX is actually an exchange-traded note (ETN), not a fund. It’s actually a derivative, which adds up to a lot of moving parts and is hard to arbitrage and “value” properly.

But if you’re going to use VXX, I’d suggest you add a one-quarter dose of it to whatever other protection you have on. Just keep in mind, if markets settle down and stocks flatten out and go sideways, the VIX and VXX will drop a lot quicker than non-leveraged inverse ETFs you might have on for protection.

My favorite way to play a spike in volatility is to buy calls on the actual VIX.

When I’m playing options, I generally like to buy options three to six months out. I always prefer further out options because it gives me more time, but you have to weigh the time against the higher price or premium you have to pay for them.

That’s why I look three to six months out and incorporate how much volatility I expect over that three to six months. If I expect a spike in volatility sooner rather than later, I’d opt for the cheaper, near-term options. If I run out of time but I still think I’m right, I’ll roll into the next three months out options.

In a perfect world, if you knew the move you expected was going to happen in a couple of weeks and last a week or two, you wouldn’t waste money buying further out options and pay for time you wouldn’t need.

But… it’s not a perfect world and I’m very often right, but I can get stung because my options expire and I hesitate rolling out to the next few months and get sick when the move I expected all of a sudden happens and I’m not in the trade.

That’s the worst feeling in the world, but you won’t have to sweat it with this strategy.

Wall Street Insights & Indictments

WITH SHAH GILANI

Here’s Who Killed the American Middle Class – and Why

The proof is in the pudding.
I thought this article is quite interesting in explaining the declining of democracy in U.S.A; and the condition of the middle class who have been reduced to poverty by the very politicians who they elected for their well being.
So who were the Republican and Democratic politicians behind the wholesale transformation of America, and where are they now?
Well…..
Here’s Who Killed the American Middle Class – and Why
By SHAH GILANI, Capital Wave Strategist, Money Morning • @WallStreet_II • May 23, 2017
There’s a widening wealth gap in America. It took a generation, but the middle class in this country has been hollowed out. Most people agree on that. But they don’t really know how it happened or who’s really to blame – it’s been obscured with false narratives, covered with “fake news.”
The thing is, the truth is in front of us. We’re living it in real time. It’s just never discussed openly – for a reason.
The people who are behind this catastrophic American collapse have fooled folks into thinking this is all normal.
Well, it’s anything but that…
Who to Blame for the Disappearing Middle Class
Republicans aren’t to blame: Their old-school platform of a smaller federal government, fiscal conservatism, more power to the states, and belief that a lightly regulated path to working hard and standing on your own two feet is what made America the global bastion of entrepreneurship and helped create a middle class that is laudable and fair.
Democrats aren’t to blame: Their old-school platform of a larger, more interventionist federal government, spending on social programs, supporting and safeguarding workers, all kinds of civil rights, protections for the environment, and their belief that government should stand behind those not able to stand on their own two feet, or who have been trampled by runaway businesses, helped create a middle class that is equally laudable and fair.
The two parties, with their visions and flaws balanced by democracy, made America great… once.
What happened is greedy, neo-con, profiteering Republican crony capitalists hijacked their party, while greedy, limousine liberal, profiteering Democrat crony capitalists hijacked their party. Together, as a new class of elites joined the Masters of the Universe, they began manipulating state apparatuses and banking for fun and profit…
A lot of profit.
The crony capitalists’ principal enrichment tools are “financialization” and, as we’ll see a little later this week, its manservant, “globalization.”
Financialization is the retooling of the economy’s production and distribution assets, consisting of made-in-America goods and services, into credit-driven banking and financial services products.
At its core, financialization is the transfer of low-risk, low-profit debt into high-risk, high-profit products.
The net result of the mass commodification of debt-based financial instruments and leveraged debt (grossly under-collateralized by low-risk debt) is rampant speculation.
This heavy betting, however, isn’t undertaken just for the sake of pyramiding risks for speculative gains. These so-called “products” are now integral and necessary investment tools because traditional, safe investments don’t yield adequate returns in the world of financialization.
According to the U.S. Bureau of Economic Analysis (BEA), in 1980, financial services contributed 4.9% to the country’s GDP. At its peak in 2006, that contribution had almost doubled to 8.3%.
More to the point, in terms of profitability, James Kwak, law professor at the University of Connecticut, calculated in 1980 the financial industry’s profits as a share of total U.S. business profits was 7.5%. That share of all business profits in corporate America jumped to more than 41% by the mid-2000s.
U.S. GDP in 2016 was $18.56 trillion, according to the BEA. In full view of financial services’ share of GDP (which is rising again) and its share of corporate profits (also on the march to new highs), it’s impossible not to see the financialization of the U.S. economy.
Worse, it’s actually become the beating black heart of the economy. It’s happening that way by design…
How the Financialization Scam Became Settled Public Policy
The road to financialization began with the overturning of longstanding public and economic protections, starting with the Depository Institutions Deregulation and Monetary Control Act of 1980, a Trojan horse that let banks establish holding companies and gave the Fed more power over more banks.
That major deregulatory action was followed quickly by the Garn-St. Germain Depository Institutions Act of 1982, which leveled the playing field for banks and their holding companies experiencing competitive disintermediation and decreasing profitability.
Ultimately, a series of subsequent rules- and regulations-trimming by banks’ congressional cronies culminated in the Gramm-Leach-Bliley Act of 1999, whose main function was the total repeal of the Depression-era Glass-Steagall Act that had for decades separated insured, deposit-taking commercial banks from swashbuckling investment banks.
That’s how elitist Democrats and Republicans paved a super highway for the financialization of the American economy and their enrichment from the country’s transformation.
So who were the Republican and Democratic politicians behind the wholesale transformation of America, and where are they now?
You’d be shocked at how many of them you know as senators, House members, cabinet secretaries, principal regulators… Supposed stalwart guardians of American prosperity who’ve become filthy rich at the expense of the middle class, on whose backs and from whose labor and savings they’ve enriched themselves (and their reelection war chests). I’ve written thousands of pages in Insights and Indictments naming names and calling these sellouts what they really are: crony capitalist pigs.
The proof is in the pudding.
Actually, make that pooling.
Without financialization, we never would have had the subprime mortgage crisis and the market and financial system crashes.
I’ll show you how.
Home mortgages used to originate “locally,” with banks, thrifts, and credit unions that knew their communities, as well as the value of properties and creditworthiness of borrowers in those communities. Mortgage loans mostly stayed on the books of lending institutions until maturity or until properties were sold.
That was great for stability and fairness, and making sure things remain sustainable… but the trouble was, no one got filthy stinkin’ rich on it…
Financialization, with its cheap come-on capital, its dodgy pooling techniques, its structuring, its tranches, derivatives and synthetic derivatives of derivatives, turned a utility service into a speculative pyramid of leveraged loans that looked and acted more like a Ponzi scheme than the sophisticated, high-yielding, safe (a lot of them packaged with government approval and guarantees) financial instruments they were made out to be by rating agency co-conspirators.
We all know how that ended.
Thing is, it didn’t actually end there. How could it have? As horrific as the financial crisis was, as much wealth was vaporized, there was still lots more blood to drain from the middle and working classes – and their children.
A Bad Idea Gets Much, Much Worse
That bloodletting comes in the pooling of student loan debt. If anything, it’s even more sickening than the financialization of mortgage debt.
As if leveraging the living daylights out of the American dream of home ownership wasn’t enough, the financial vampires of the political class saw an opportunity in that other great American dream: higher education – the burning desire of people to better their lot and improve their wages and prospects at colleges and universities.
What happened to professors’, administrators’, state schools’, and private schools’ goals of helping Americans get a higher education for the fair wages they earned and the balanced budgets they hoped to achieve?
As horrific as the financial crisis was, as much wealth was vaporized, there was still lots more blood to drain from the middle and working classes – and their children.
They got greedy. They’re all in the big for-profit game now, thanks to financialization.
Hopeful students are suckered into cheap loans which are, of course, pooled, leveraged, sliced, diced, and sold to investors. The cash those investors fork over can be used to make more loans, to pyramid (or Ponzi, if you choose) students’ hopes and dreams that a higher education means a higher standard of living.
And if those loans are in arrears, in default, and don’t get paid back – hey – investors don’t have to worry.
The government, which is to say crony capitalist congressmen and women, have fixed that potentially profit-leaking hole.
You see, making student debtors “low risk” by having the state guarantee payment of interest and principal to investors – while extracting more payment from grossly indebted students (plenty of whom never graduate), no matter the cost or the poverty level of those beleaguered, unemployed, underemployed, and generally struggling indebted borrowers – means that more loans can be pushed like dope to the uninitiated who have no idea about the trap they’re being lured into.
And as for the neo-liberal educators and liberal arts universities who want more kids – customers – to get a better education, they’re making hundreds of thousands of dollars in salaries and tens of millions of profits every year.
That’s financialization at work.
It’s not at work alone. Later this week in my Insights & Indictments service, I’m going to show you how globalization is taking these crony capitalist schemes big time, as in, worldwide, trapping billions in a state of permanent poverty. Click here to get my update as soon as it’s released, and you’ll get all of my Insights & Indictments research, too – free.
Together, we’ll play the crony capitalists’ game while working to destroy it.
Follow Shah on Facebook and Twitter.

Google will soon become the most powerful entity on Earth.

The future’s most powerful entity

Google is one of the leaders at the moment when it comes to artificial intelligence applications and has turned the AI venture into the single largest collection of resources and brain power that has a focus purely on the development of artificial intelligence.

Currently, there are over 250 PhDs and 400 research scientists working on DeepMind’s unlimited funding projects with two main goals in mind. The first is to try and solve intelligence and figure out how the human brain became capable of taking over the planet. The second is to use that intelligence to do everything else. And you may laugh, but this is not some crazy farfetched idea either. These goals are for real, and the company is more than happy to talk freely with anyone about it.

To get an even deeper understanding of what their plans involve why not check out a recent presentation given by Demis Hassabis, founder of DeepMind, who will talk you through their ideas.

Swearing in new Woman Deputy Secretary-General @UN

Ms. Amina J. Mohammed was Minister of Environment of the Federal Republic of Nigeria from November 2015 to December 2016, where she steered the country’s efforts on climate action, protecting the natural environment and conserving resources for sustainable development.
Prior to this, she served as Special Adviser to Secretary-General Ban Ki-moon on Post-2015 Development Planning, where she was instrumental in bringing about the 2030 Agenda for Sustainable Development, including the Sustainable Development Goals.

Before joining the UN, Ms. Mohammed worked for three successive administrations in Nigeria, serving as Special Advisor on the Millennium Development Goals, providing advice on issues including poverty, public sector reform and sustainable development, and coordinating programs worth $1 billion annually for MDG-related interventions.

Growth potential for urbanization – Tanzania Economy

VIWIDA-USA improves and enriches the life experiences of Women and Youth across the globe.

Developing Tanzania to meet the growing population.

Tanzania economy has developed since 2015 due to an economic outlook that’s very diversify, but Tanzania need to find a winning sector that will enable them to compete in an international scale.

Hurry! Time is running out to take these exclusive courses!

Can you believe the #YALILearns Challenge officially ends next week? It is amazing how quickly the time has gone! While you have until October 1 to earn your special #YALILearns badge by submitting your event report, the new Learn to Lead courses will no longer be available after next week. Here are the courses you could miss out on if you don’t take action now:

#YALIGoesGreen
The YALI Network Learn to Lead #YALIGoesGreen courses not only provide a basic understanding of climate change, but also teach you how to put your green plan into action!

Going Green for Social Entrepreneurs
Going Green for Business Entrepreneurs
#Africa4Her

Many girls can’t fulfill their dreams of receiving an education or starting their own business, just because of their gender. Our Learn to Lead #Africa4Her courses will help you learn ways to address this issue in your community.

Skill Building for Girls Advocacy
Empowering Women Entrepreneurs
#YALIVotes

The #YALIVotes courses are a great way to learn communication, networking, and team management skills that you can use to lead your community. After you take these two courses, you will be able to organize your own grassroots advocacy campaign and connect with public officials in your community.

Engaging with Public Officials for Positive Change
Organizing Grassroots Advocacy Campaigns

So, if you haven’t taken a Learn to Lead course yet, don’t delay–these Learn to Lead courses will be gone before you know it!