Make money – R43DSFRS http://r43dsfrs.com/ Mon, 27 Jun 2022 09:07:50 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://r43dsfrs.com/wp-content/uploads/2021/07/icon-1.png Make money – R43DSFRS http://r43dsfrs.com/ 32 32 The Ouroboros Nightmare of School Shootings and the Education Bond Market https://r43dsfrs.com/the-ouroboros-nightmare-of-school-shootings-and-the-education-bond-market/ Mon, 27 Jun 2022 09:07:50 +0000 https://r43dsfrs.com/the-ouroboros-nightmare-of-school-shootings-and-the-education-bond-market/ Police in Uvalde, Texas have falsely accused a teacher of failing to properly close a door through which Salvador Ramos entered the school with an assault rifle, killing 19 children and two teachers. In fact, the professor closed the door, but did not realize that it could only be locked from the outside; it also […]]]>

Police in Uvalde, Texas have falsely accused a teacher of failing to properly close a door through which Salvador Ramos entered the school with an assault rifle, killing 19 children and two teachers. In fact, the professor closed the door, but did not realize that it could only be locked from the outside; it also turns out that the classroom door the shooter entered was unlocked.

Yet, as the national spotlight shines on law enforcement, another financial story is unfolding just as nefarious, if not more so. Indeed, if we follow the money, the assault rifle and the door share a common denominator: private banks and their thirst for municipal bonds in Texas – something that state Republicans have used to force banks to maintain credit to gun manufacturers.

Bonds are primarily for education

In its quarterly report on municipal bond issuance in the United States, the Securities Industry and Financial Markets Association (SIFMA) shows that education bonds have overtaken all other categories to become the top type of issuance. Three in ten bonds issued in the municipal bond market are for education, just above the bulky “general purpose” category, and double those issued for transportation, utilities, housing, healthcare health and electricity.

That in itself is stunning. When local governments take out loans, they do so primarily for educational purposes. Conversely, to educate, the United States relies heavily on debt, and more heavily than any other municipal provision.

But there are several other implications. First, it is a big market and investors make big profits by lending to educational institutions, which are then largely untaxed in most jurisdictions. Around the investor, there is a whole business ecosystem: lawyers, consultants, rating agencies, insurance companies and deposit companies that pocket commissions. The most prominent are the private banks that sit between investors and educational institutions, charging very high fees for the service.

Stick to their guns

What does this have to do with the shooting in Uvalde? Here’s how it works. First, Texas has the second-largest municipal bond market in the nation, losing only to California, with $50.2 billion in municipal bond transactions taking place there each year. The Municipal Securities Regulatory Board (MSRB) has a large map indicating the market size of each state. There’s plenty of business to do in Texas, which makes bankers’ mouths water.

Second, if nearly 30% of municipal bonds in the United States are for education, and Texas has the second largest municipal bond market, we can deduce that a good portion of that market in Texas is for education.

We also know that Texas is a gun-crazed state and that its Governor, Greg Abbott, is firmly in the pocket of the gun industry. So, in principle, if banks cared about gun control and preventing school shootings, this particular opportunity wouldn’t tempt them. They were like, ‘We know there’s money to be made with Texas municipal bonds, but we want fewer school shootings, so we’re going to stick to our guns and not do business there. In fact, some banks made such statements after the Parkland school shooting. Bank of America said it would not fund Remington if it continued to produce assault rifles for sale in the mass market. Jamie Dimon, CEO of JPMorgan, liked decry public mass shootings too.

The same financial industry that makes money on loan deals for school districts also makes money doing deals for the gun industry.

If the banks really carried out a complete boycott of the gun industry, it would matter. Even profitable industries sooner or later need access to bank credit – to pay for a new factory or a big supplier expense, or to hide bad turnover, etc. If gun companies were barred from sources of credit, they would be forced to curtail sales or even cease operations altogether. If there were fewer gun sales, there would certainly be fewer fringe shootings. And in fact, it happened at least to some extent. In 2019, Guns Down America released a scorecard titled Is your bank charged? assess the strength of certain banks with respect to the firearms industry. The best bank on the list is Citi, which got a B. While most of the others got Cs and Fs, it could have been worse, and Citi is one of the biggest banks in the world. If this had been maintained for years, it could have seriously bitten into the gun business.

However, Texas retaliated by passing a law in 2021 that block banks to do business with state and local governments if the bank “discriminates” against the firearms industry. The law favors banks that do business with gun companies – and it worked. Citi, the second-largest issuer of municipal bonds in the United States, is now ninth in Texas and continues to fall. The New York Times recently reported this part of this law requires banks to make official statements stating that they do not discriminate against firearms. Banks had to get on their knees and apologize, kissing the gun industry ring, to get along with the Texas municipal bond market.

First, JPMorgan sent a letter saying they were doing business with gun companies. Then Citi followed suit, issuing a statement that it had “no discriminatory practice, policy, guidance, or directive against any firearms entity or a firearms trade association. The Time makes it clear: “The stakes are high for the big banks. If a bank says it is complying with the law and proves to be against it, it could be subject to criminal prosecution. It could also be shut out of the state’s giant municipal bond market… Texas generated $315 million in fees last year alone for financial companies.

Charged

Texas has thus created a truly appalling set of financial incentives. Just a few years ago, the Uvalde School District spent $69,000 on safety upgrades, thanks to a state grant, but no doubt many similar upgrades are being funded. by debt. The same financial industry that makes money on loan deals for school districts also makes money doing deals for the gun industry. They make money lending to school districts to install security upgrades that obviously do little or nothing to prevent mass shootings, then make more money lending to companies that make AR-15s , the weapon of choice for mass murderers of children.

It’s not just the same money, since the banks are the common denominator here, these flows are dependent on each other. If schools didn’t need private credit markets for their facilities, banks might be much more willing to stop funding the gun industry, which after all isn’t very big. Conversely, if school districts like Uvalde had just secured public funding for their facilities, banks could not chase after profits to be made in Texas school bonds. Given the size of the Texas municipal bond market and the proportion of bonds going to education, public credit for public schools could help neutralize this law punishing banks for limiting credit to the construction industry. fire arms. If there weren’t so many bond deals in Texas, Citi wouldn’t abandon its principles and abandon its pursuit of gun control.

If Uvalde hadn’t needed to pay for that gate with private credit, the assault rifle company might not have secured the financing to manufacture and sell the assault rifle to Ramos. But everyone has to be charged in the United States, and the shootings continue.

]]>
How to Earn Passive Income Through Amazon Dropshipping https://r43dsfrs.com/how-to-earn-passive-income-through-amazon-dropshipping/ Sat, 25 Jun 2022 16:30:00 +0000 https://r43dsfrs.com/how-to-earn-passive-income-through-amazon-dropshipping/ Disclosure: Our goal is to feature products and services that we think you will find interesting and useful. If you buy them, Entrepreneur may get a small share of the revenue from the sale from our business partners. There’s a lot to think about as an entrepreneur, from getting your product out in front of […]]]>

Disclosure: Our goal is to feature products and services that we think you will find interesting and useful. If you buy them, Entrepreneur may get a small share of the revenue from the sale from our business partners.

There’s a lot to think about as an entrepreneur, from getting your product out in front of a massive audience, to becoming a more effective leader. But while you’re no doubt thinking about finding seed capital and investments for your business, you shouldn’t neglect your personal finances.


StackCommerce

Don’t get so caught up in your business that you forget to get extra money for your day-to-day expenses. Luckily, it’s easier than ever to earn passive income online in the age of the internet. One method that is growing in popularity is selling products through dropshipping, and you can learn how to get started with the Complete Amazon Dropshipping & Private Label Master Class 2022 Bundle.

This 11-course bundle will teach you how to use Amazon to make money while barely lifting a finger. The group is led by entrepreneurship experts like Brock Johnson (instructor rating 4.1/5), Bryan Guerra (rating 4.1/5) and Ryan Ford (rating 4.3/5). Throughout the courses, the instructors will share their first-hand experience with passive income and teach you how to take advantage of the options out there to make money online.

Initially, you’ll learn proven strategies for launching, selling, and growing private label products on Amazon FBA, understanding the most profitable product ideas that are uncompetitive and in high demand. You will understand how to source products from around the world, grow your brand, and rank your product at the top of Amazon search results for the right keywords. You will also learn how to create PPC marketing campaigns to improve your product rankings and earn extra revenue, successfully brand your products, and much more throughout the course.

Start earning extra money online without storing inventory. Right now, the Amazon Dropshipping & Private Label Master Class 2022 Complete Bundle is on sale for just $34.99 for a limited time.

Prices subject to change.

]]>
Four out of five apps for preschoolers designed to earn money from them: study https://r43dsfrs.com/four-out-of-five-apps-for-preschoolers-designed-to-earn-money-from-them-study/ Thu, 23 Jun 2022 21:23:29 +0000 https://r43dsfrs.com/four-out-of-five-apps-for-preschoolers-designed-to-earn-money-from-them-study/ Four out of five apps used by preschoolers are designed to earn money from their digital experiences, a new study reveals. Researchers have found that children under 5, especially those from low-income households, are often exposed to devious advertisements and other tactics designed to profit from their gambling. According to the results, almost 99% of […]]]>

Four out of five apps used by preschoolers are designed to earn money from their digital experiences, a new study reveals.

Researchers have found that children under 5, especially those from low-income households, are often exposed to devious advertisements and other tactics designed to profit from their gambling.

According to the results, almost 99% of the children studied had at least one manipulative design in one of their most-used apps, and young people whose parents had little education were more likely to use apps that incorporated manipulative methods that increase exposure to advertising.

Four out of five apps used by preschoolers are designed to earn money from their digital experiences, a new study reveals. In this photo, a boy plays with an iPhone at Brazil’s first Apple store minutes after it opened to the public for the first time in the Village Mall on February 15, 2014 in Rio de Janeiro.
Mario Tama/Getty Images

Lead author Dr Jenny Radesky said: “Our findings suggest that design features created to serve the interests of tech companies rather than children are common, and we need more regulations in place.

“These design tricks occur disproportionately in apps used by children from lower socioeconomic backgrounds, suggesting inequities in how young children’s attention is harnessed for monetization.”

The researchers analyzed the apps used by 160 children aged 3 to 5 and looked for what some experts called “dark patterns” or tricks aimed at prolonging play, encouraging children to re-engage with the app. , exert pressure to buy or make them watch advertisements.

Four out of five apps used such manipulative designs – and they were more prevalent in apps used by children from households whose parents had lower levels of education than children whose parents were college graduates.

Such tactics were also most prevalent in apps classified as “mainstream,” according to findings published in JAMA Network Open.

Examples of such designs included pop-up messages such as “Come back tomorrow and get a dragon” to entice returning to the game.

Another said, “You can play with these cute little animals for a small fee. Just ask your parents” to encourage in-app purchases.

Characters in some apps say things like “Don’t just stand there, do something!” when children are inactive to get them to play.

Prompts to sign up for free trials of a paid version of the app showed a character crying when the child didn’t follow the prompt.

Another character shouts “save me!” with time pressure crafted from a countdown, shown at a pause in the game to incentivize extended gameplay.

Girl in Japan Apple store
Four out of five apps used by preschoolers are designed to earn money from their digital experiences, a new study reveals. Pictured: A girl tries out an iPhone X at Apple Omotesando store on November 3, 2017 in Tokyo, Japan.
Tomohiro Ohsumi/Getty Images

Decoys including stickers or trophies have also been used to trick users into interacting with the app repeatedly.

The researchers noted that an app’s success is often based on metrics such as the duration and frequency of user interaction, which is likely the reason for design tricks aimed at achieving such goals.

But they said young people might be unable to identify these tricks, such as distinguishing between a screen meant to sell something and being part of their game or recognizing that time pressures are fabricated.

“Kids love their favorite media characters, so they may be particularly sensitive to pressure from them, or virtual rewards displayed on the screen whenever they’re at a time when they might choose to opt out. of the app,” Radesky said.

“Adult users can expect to be targeted by in-app ads on digital devices. But children are too young to understand this kind of persuasive design, which disrupts their game.

“Parents often say their kids refuse to put the devices back when it’s time to do something else – like coming to dinner or getting ready for bed – and the gameplay-extending design tricks we found likely contribute to that. avoidable source of family stress.”

She said the findings should encourage government, regulatory or industry leaders to make changes that ensure children’s well-being and design needs are considered before digital products hit the market.

Radesky, a developmental-behavioral pediatrician and assistant professor of pediatrics at the University of Michigan Medical School, added, “Children are avid users of the digital world and deserve access to its opportunities without having to navigate the glut of profit-centric design that currently exists. dominates the market.

“We have an opportunity to encourage lawmakers to pass legislation that holds industry accountable for considering children’s best interests, which includes eliminating manipulative design.”

This story was provided to Newsweek by Zenger News.

]]>
‘Use the land to make money’: landowners told by PM https://r43dsfrs.com/use-the-land-to-make-money-landowners-told-by-pm/ Mon, 20 Jun 2022 05:14:55 +0000 https://r43dsfrs.com/use-the-land-to-make-money-landowners-told-by-pm/ Landowners were urged to explore cash-generating opportunities through the use of their land. Prime Minister Voreqe Bainimarama. Landowners were urged to explore cash-generating opportunities through the use of their land. Prime Minister, Voreqe Bainimarama made the call during the Naitasiri Provincial Council meeting where he was the chief guest. He said government was a […]]]>

Landowners were urged to explore cash-generating opportunities through the use of their land.


Prime Minister Voreqe Bainimarama.

Landowners were urged to explore cash-generating opportunities through the use of their land.

Prime Minister, Voreqe Bainimarama made the call during the Naitasiri Provincial Council meeting where he was the chief guest.

He said government was a partner with landowners where land use could generate income.

“We have removed premium payments from rental offers, making it easier for landowners to hold leases and obtain credit from financial institutions to develop their land,” he said.

He said a tenant could not subdivide a lease of their own accord, to circumvent regulatory checks and balances.

Landowner Consent

Landowner consent was required for any land alteration.

“In all cases of housing estates, once new leases are issued on each newly created lot, a premium must be paid directly to landowners for each lot,” he said.

“And just because tenants have already paid a premium on the original lease doesn’t mean they don’t receive any benefit, even if the land is legally subdivided.”

“Subdivisions and land developments increase the value of the land in the medium and long term.”

TLTB was still entitled to any development lease in the event of non-compliance with the terms of the lease.

60 percent

The consent of the landowner is required before renting the land.

10 percent

The council incorporates 10% of the sales consideration for any lot sold for an individual title.

“Landowners benefit from this agreement by having 10% of the sale consideration (sale price) per lot at the time of the sale.

“Landowners have the right to lease their land, alone or in partnership with the government, and continue to enjoy the returns of equity from its sale at market rates,” he said.

Rent land

Five things should be considered when renting land, Mr. Bainimarama said.

The five factors were:

  • 60% of the community consents to the land being leased.
  • consent of the community on the type of lease.
  • consent of the community on the duration of the lease
  • community consent on premium.
  • community consent on annual lease payments.

Feedback: josefa.babitu@fijisun.com.fj

]]>
Floyd Mayweather’s worst decision made a billion’ https://r43dsfrs.com/floyd-mayweathers-worst-decision-made-a-billion/ Sat, 18 Jun 2022 13:11:06 +0000 https://r43dsfrs.com/floyd-mayweathers-worst-decision-made-a-billion/ June 18, 2022 Esther Lin Floyd Mayweather says the worst thing he’s ever done led to him becoming the world’s first billionaire fighter. In a jaw-dropping interview after his professional career ended, Mayweather lambasted Bob Arum and his Top Rank promotional team. The 44-year-old grandfather revealed his career low when asked explicitly about it. Mayweather […]]]>

Esther Lin

Floyd Mayweather says the worst thing he’s ever done led to him becoming the world’s first billionaire fighter.

In a jaw-dropping interview after his professional career ended, Mayweather lambasted Bob Arum and his Top Rank promotional team.

The 44-year-old grandfather revealed his career low when asked explicitly about it.

Mayweather told Fighthype.com, “To date, the worst thing I’ve ever done in my career was sign with Top Rank. One of my family members was hungry for money and went behind my back. It’s the worst thing I’ve ever done.

“The worst thing I did was sign with Top Rank because I was destined to be big anyway. I was destined to be a superstar anyway.

He continued, “Bob Arum is a bitter b***h. “You made more money off the fighters than the fighters make. So settle for that. Go live your life and relax.

Floyd Mayweather
Esther Lin

Floyd Mayweather Decision

During the 2018 rant, Floyd Mayweather digs deeper into Arum about his treatment of fighters. Terence Crawford said something similar about Hall of Fame after his last fight with Top Rank.

“You are so old. Are you almost 90 years old and still want more money?

“Look, I can’t buy anything else. What are you trying to buy at 90? You can’t buy anything else at 90. Do you want a new costume? Why do you want a new suit when you have 40 years of suits.

The statement was Mayweather’s most obvious admission that he was best served to chart his career path. Mayweather continues to make money from exhibitions.

Breaking up with Top Rank to sign with Showtime ended up costing Mayweather three-quarters of a million dollars. However, it made over a billion at the box office.

Mayweather will fight again in September on a RIZIN FF bill in Tokyo.

World Boxing News has had over a billion views since its inception in 2010. Follow us on Facebook @officialworldboxingnews and Twitter @worldboxingnews.

]]>
Real estate impacts of rising interest rates https://r43dsfrs.com/real-estate-impacts-of-rising-interest-rates/ Thu, 16 Jun 2022 13:32:00 +0000 https://r43dsfrs.com/real-estate-impacts-of-rising-interest-rates/ “Today is probably the best time in U.S. history for sellers to get the most money, and now is the time to do it,” said real estate agent Donna Castillo. Property experts advise if you’re ready to sell your home, now is the perfect time to capitalize. However, with interest rates rising again, many potential […]]]>

“Today is probably the best time in U.S. history for sellers to get the most money, and now is the time to do it,” said real estate agent Donna Castillo. Property experts advise if you’re ready to sell your home, now is the perfect time to capitalize. However, with interest rates rising again, many potential buyers are finding their price exceeded. , home values ​​in Louisiana and across the country are still peaking with increasing appreciation. “The average media price is around $350,000 and found around 7-10% appreciation in these homes, so if you buy, you’re going to make money. Real estate, you’re always going to make money. money,” Castillo said. “You lose by not buying. I find that some people wait and the market goes up and now they’ve missed their chance. And they won’t be able to afford a house.” It’s also a byproduct of the COVID-19 pandemic, with many families realizing the need for the extra space. “So suddenly their house was way too small for the current conditions,” Castillo said. “It forced them to sell and buy houses and get more space for their families. So that was a real game-changer, we thought everyone would be sitting around for a while. They didn’t. , they needed that extra space, so we’ve seen a lot of movement in the market.” Castillo recommends the following tips to sell your home faster:1. Buy another house first2. Exit3. “Pimp your crib”4. Bravely Underprice5. Put your house up for auction with a low starting bidYou can find more information HERE.

“Today is probably the best time in U.S. history for sellers to get the most money, and now is the time to do it,” said real estate agent Donna Castillo.

Property experts advise if you’re ready to sell your home, now is the perfect time to capitalize. However, with interest rates rising yet again, many potential buyers are priced out.

It is becoming increasingly difficult for potential homeowners to take out new debt and for current homeowners to refinance outstanding mortgages or qualify for home equity lines of credit.

On the other hand, home values ​​in Louisiana and across the country are still peaking with increasing appreciation.

“The average media price is around $350,000 and found around 7-10% appreciation in these homes, so if you buy, you’re going to make money. Real estate, you’re always going to make money. money,” Castillo said. “You lose by not buying. I find that some people wait and the market appreciates and now they’ve missed something. And they won’t be able to afford a house.”

It’s also a byproduct of the COVID-19 pandemic, with many families realizing the need for the extra space.

“So suddenly their house was way too small for the current conditions,” Castillo said. “It forced them to sell and buy houses and get more space for their families. So that was a real game-changer, we thought everyone would be sitting around for a while. They didn’t. , they needed that extra space, so we’ve seen a lot of movement in the market.”

Castillo recommends the following tips to sell your home faster:

1. Buy another house first

2. Go out

3. “Pimp your crib”

4. Bravely underprice

5. Put your house up for auction with a low starting bid

You can find more information here.

]]>
Cryptoverse: Funds moolah in messy markets https://r43dsfrs.com/cryptoverse-funds-moolah-in-messy-markets/ Tue, 14 Jun 2022 05:20:00 +0000 https://r43dsfrs.com/cryptoverse-funds-moolah-in-messy-markets/ A representation of bitcoin is seen in an illustrative photo taken at the Maison du Bitcoin in Paris, France, June 23, 2017. REUTERS/Benoit Tessier/File Photo Join now for FREE unlimited access to Reuters.com Register June 14 (Reuters) – The crypto market is a hot mess, leaving many investors struggling to make money. Enter arbitrageurs. Bitcoin […]]]>

A representation of bitcoin is seen in an illustrative photo taken at the Maison du Bitcoin in Paris, France, June 23, 2017. REUTERS/Benoit Tessier/File Photo

Join now for FREE unlimited access to Reuters.com

June 14 (Reuters) – The crypto market is a hot mess, leaving many investors struggling to make money. Enter arbitrageurs.

Bitcoin and other cryptocurrencies have been rangebound or declining since January, leaving your usual long investor with little choice but to sell or wait for the elusive rally.

However, one class of seasoned investors fare better: arbitrageurs, players such as hedge funds that thrive on exploiting price differences between different geographies and exchanges.

Join now for FREE unlimited access to Reuters.com

“In May, when the market crashed, we made money. We gained 40 basis points on the month,” said Anatoly Crachilov, co-founder and CEO of Nickel Digital Asset Management in London, referring to their arbitrage strategy.

“Arb trading” involves buying an asset in a cheaper location and simultaneously selling it elsewhere where it is quoted at a premium, in theory pocketing the difference while being neutral on the asset.

It’s certainly not for everyone and requires the kind of access to multiple markets and exchanges, and often algorithms, that only serious players like sophisticated hedge funds can secure to make it a profitable venture.

Still, for investors who respond to the bar, it proves attractive.

These “market neutral” funds have become the most common strategy among crypto hedge funds, accounting for nearly a third of all currently active crypto funds, according to PwC’s annual Global Crypto Hedge Fund Report released last week. .

K2 Trading Partners said its high-frequency crypto arbitrage fund, which is algorithm-driven, had returned around 1% this year through the end of May, even as bitcoin fell 31% over the same period.

Meanwhile, Stack Funds’ long/short trading fund with liquid cryptocurrency exposure posted its biggest monthly loss of around 30% in May, while its arbitrage-focused fund lost 0. 2%.

YOUR FUNDS FROZEN

While arbitrage has long been a popular strategy in many markets, the young crypto industry lends itself to this approach as it has several hundred exchanges around the world with inconsistent regulation, according to participants.

Hugo Xavier, CEO of K2 Trading Partners, said that arb trading benefits from a lack of interconnectivity between crypto exchanges: “It’s good because you have different prices and that creates arbitrage opportunities.”

For example, bitcoin was trading at $27,493 on Coinbase on Monday, compared to $28,067 on Bisq. Bitcoin is down 44% this year and at its December 2020 low.

Yet market watchers also point to possible pitfalls, including technical glitches on exchanges slowing down or freezing trades, potentially robbing arb traders of their edge. Some loosely regulated rooms in smaller countries, which offer plenty of good arb opportunities, come with additional risks.

“It’s normal for a trade to disconnect,” Xavier added. “Your funds may be frozen for any reason.”

STRESS SITUATIONS

Price discrepancies are usually due to less experienced retail traders who make up the bulk of crypto trading, especially in the derivatives market. And, although arbitrage strategies are neutral in terms of direction, they tend to perform better when bull markets attract more retailer participation.

“Of course you want to have retail traders on the same exchange you are on when arbitrage because you will have less smart money. When there is a bull market, retail volume comes back,” Xavier said.

“If the markets are moving sideways or falling, retail traders calm down. There are fewer opportunities because most people are market makers and they are efficient.”

Markus Thielen, chief investment officer at Singapore-based digital asset manager IDEG, said there has been a shift in recent months, with arbitrage opportunities appearing mostly during “stressed market situations”.

“So the structure of the market has fundamentally changed on the arb side,” he said, adding that their arb strategy had generated returns of 2% over the past eight weeks.

Still, Katryna Hanush, director of business development at London-based crypto market maker Wintermute, said arb trading ultimately has a limited lifespan because inconsistent pricing on different exchanges is bad for investors.

“As more and more institutional players enter the space, opportunities for arb will be eliminated.”

Join now for FREE unlimited access to Reuters.com

Reporting by Medha Singh and Lisa Mattackal in Bengaluru; Editing by Vidya Ranganathan and Pravin Char

Our standards: The Thomson Reuters Trust Principles.

The opinions expressed are those of the author. They do not reflect the views of Reuters News, which is committed to integrity, independence and freedom from bias by principles of trust.

]]>
8 Profitable Side Business Ideas for UX Designers in Africa https://r43dsfrs.com/8-profitable-side-business-ideas-for-ux-designers-in-africa/ Sun, 12 Jun 2022 13:42:30 +0000 https://r43dsfrs.com/8-profitable-side-business-ideas-for-ux-designers-in-africa/ The secondary ideas highlighted are the result of insightful analyzes from reliable sources such as Ux Design World, User Experience Planet, User Interface Design and others. Organize a workshop According to Nielsen Norman Group, user experience workshops are places where designers engage in intensive collaborative sessions to solve problems. In addition, the workshop allows professional […]]]>

The secondary ideas highlighted are the result of insightful analyzes from reliable sources such as Ux Design World, User Experience Planet, User Interface Design and others.

According to Nielsen Norman Group, user experience workshops are places where designers engage in intensive collaborative sessions to solve problems. In addition, the workshop allows professional creators to progress and Africans can generate an income. This passive income idea is for you if you have a dedicated studio or space and can engage talent in hands-on activities and idea generation.

These activities allow participants to achieve an achievable goal, and Africans can earn money by charging a participation fee. Additionally, helping other professional designers advance can attract new business and build your credibility and personal brand.

According to UX Design World, becoming a user experience mentor and teaching online is profitable and ideal for making money in the industry. Skilled and knowledgeable African user experience designers can earn a decent passive income by sharing their knowledge online.

This side hustle idea is rewarding if you can create online courses, host webinars, and teach others user interface and experience (UI/UX) design. The idea is to prepare teaching materials and film the video lessons to generate passive income online. Also, you can sell online courses related to user experience design online on platforms like Skillshare and Coursera.

According to webfx, designing and selling WordPress themes is a lucrative business idea for UX designers. While designing WordPress themes is lucrative, African UX designers can make money with creativity in the industry. If you are creative and can create, design and sell WordPress themes, you can earn a decent income with this side hustle idea.

ThemeForest, TemplateMonster, and WordPress Theme Directory are marketplaces to sell theme designs for lucrative rewards. Additionally, Elementor Pro 2.0, Themes Generator, PageLines, iThemes Builder, and TemplateToaster are tools that streamline the theme design process.

According to SpringBoard, building a portfolio and offering freelance services as a user experience designer is lucrative. With freelancing, African user experience designers can benefit from time and income flexibility, continued growth, and geographic independence. It’s a great side hustle and a quick way to passively earn in the industry with no national barrier.

So whether you’re in Nigeria, Cameroon, South Africa, Ghana, or Kenya, freelancing your user experience design skills pays off as a side hustle. Additionally, Indeed, LinkedIn, Fiverr, and Upwork are a few platforms that African user experience designers can generate income by offering freelance services.

According to The Designer Ship, a user experience consultant is a designer who offers advice to businesses and individuals in the niche industry. These professionals brainstorm product ideas and features and develop user experience strategies, and Africans can benefit.

If you have a deep understanding of the end user and can help clients achieve their UX design improvement goals, this side hustle idea is for you. The idea is to make money by explaining user behavioral psychology to customers and auditing websites, software, apps, and other products for user experience. Also, starting a consulting business is affordable and requires no upfront payment.

According to User Experience Planet, selling digital products and design elements is lucrative, especially with the advent of globalization. Skilled African user experience designers can earn a decent income selling digital products. This side hustle idea lets you design and sell audio and video files, Photoshop effects, design elements, and icons.

With new and aspiring UX designers on the hunt for design elements, Africans can generate passive income with no hassle. Whether you’re a freelancer, work for a large corporation, or a design agency, selling digital products is profitable and can generate passive income.

According to User Interface Design, blogging is one of the fastest ways to generate remote passive income in the user experience industry. Africans skilled and skilled in user experience design can earn money by putting their experience into written words.

If you can explain different aspects of user experience design in writing, blogging might be the perfect idea for you. Remember that blogging requires adopting the best strategies to increase traffic and build brand awareness for desirable results. The idea is to increase traffic and establish yourself as an authority to passively earn with blogging.

According to Creative Bloq, starting a YouTube channel is lucrative, with endless earning opportunities for talented user experience designers. African user experience designers can earn money on the video platform by teaching user interface design, sharing user interface tips and marketing courses.

If you can create videos and leverage the internet for subscribers, you can make a decent income with this side hustle idea. Also, you can make money from paid referrals, AdSense, and affiliate marketing.

African UX designers can make money in the industry by hosting a workshop, teaching online, and designing and selling WordPress themes. With freelancing, consulting, selling digital products, and blogging, you can earn a decent income. Skilled Africans mastering user experience design can earn passive income with these side hustles, but consider thoroughly researching each point. Now that you know the most profitable ideas for UX designers in Africa, it’s time to decide and earn a decent living.

*Views expressed in this article are those of a Business Insider Africa contributor. It does not represent the views of the Business Insider Africa organization.

Olayinka Sodiq is a skilled copywriter with technical, analytical and writing experience gained over 5 years of in-house and freelance gigs. He is versed in finance, investments, technology, blockchain, mergers and acquisitions, bankruptcy, etc.

]]>
Beware of Car Wrapping Scams – WSOC TV https://r43dsfrs.com/beware-of-car-wrapping-scams-wsoc-tv/ Fri, 10 Jun 2022 21:25:21 +0000 https://r43dsfrs.com/beware-of-car-wrapping-scams-wsoc-tv/ CHARLOTTE — You may be looking for other ways to make money, especially at home, with the rising price of gas and groceries. Action 9’s Jason Stoogenke is warning people about an old scam he’s starting to hear about again. The scammers pose as a major brand and offer to pay you to dress your […]]]>

CHARLOTTE — You may be looking for other ways to make money, especially at home, with the rising price of gas and groceries.

Action 9’s Jason Stoogenke is warning people about an old scam he’s starting to hear about again. The scammers pose as a major brand and offer to pay you to dress your car in the company logo.

“You know how prices (are) up, up, up,” Chad Courier said. “We’re here working and trying to do some extra fuss. Instead, you get damn hoodooed is what you get.

He told Stoogenke someone texted him asking if he would wrap his car in the Lipton logo for $400 a week.

He clicked on the link in the text, and the scammer sent him a check for over $1,800 along with typical instructions scammers use and Stoogenke warned – keep some of the money but send most of it to someone else, who turns out to be the scammer. Checks are also usually fake.

Fortunately, Courier’s wife caught on and stopped him from sending the money.

Action Tips 9:

— Beware if someone contacts you out of the blue to offer you money to wrap your car.

— Do not click on any links in an SMS or e-mail.

“If someone sends you a check, asks you to deposit it, and tells you to keep some of the money for yourself and send the rest somewhere else, don’t be fooled.

(WATCH BELOW: ‘She Was Sweet, Sweet, Sweet’: Beware Genetic Testing Scams)

]]>
10 common scams that target seniors and how to avoid them | Aging https://r43dsfrs.com/10-common-scams-that-target-seniors-and-how-to-avoid-them-aging/ Wed, 08 Jun 2022 20:26:00 +0000 https://r43dsfrs.com/10-common-scams-that-target-seniors-and-how-to-avoid-them-aging/ Every year, thieves target individuals for access to their personal information and money, and they tend to focus on older people. Seniors lose more than $3 billion to fraud each year, according to the FBI. If you haven’t been approached by a scammer yet, you could face a scheme in the years to come. Sometimes […]]]>

Every year, thieves target individuals for access to their personal information and money, and they tend to focus on older people. Seniors lose more than $3 billion to fraud each year, according to the FBI. If you haven’t been approached by a scammer yet, you could face a scheme in the years to come. Sometimes family members, especially relatives who are caring for elderly people, are even behind the attack.

Some of the most common senior citizen scams include:

  • Charity scams.
  • Funeral scams.
  • Scams by government imposters.
  • Grandparent scams.
  • Internet scams.
  • Investment scams.
  • Health insurance scams.
  • Reverse mortgage scams.
  • Love scams.
  • Lottery scams.

Here’s a breakdown of how these senior citizen scams work, as well as what to do to avoid falling prey to an attack.

Charity scams

If there is a hurricane or other natural disaster in your area, a criminal may call you and ask for donations from a non-profit organization that is working to rebuild the area or help families in need. They will often want to know your bank account or credit card details, which they can use to access your funds. Do not agree to donate to charities over the phone or on first approach. Instead, investigate the organization and find a number to call if you’re interested in donating.

Funeral scams

If you place an obituary in a local publication after the death of a loved one, a thief could contact you and insist that your deceased relative left a debt that must be paid. In another variation of this scam, the criminal may attend the funeral service to gather information about you before asking for money to cover an unpaid debt. Someone claiming to be from the funeral home might call you and insist that there are additional charges that have not yet been paid. For all these attempts, refuse to send money immediately and ask for written documentation of the expense.

Government imposter scams

You might receive phone calls from people claiming to be from the IRS or Social Security Administration demanding immediate payment of unpaid taxes or asking for personal information in order to continue receiving your Social Security or unemployment benefits. Health Insurance. The scammer could use a technique called spoofing that makes the incoming phone number look legitimate. The caller is likely to ask you for information or demand that you make a payment, which may need to be in the form of a gift card.

“The IRS and SSA will never initiate contact with people through a phone call, so you can be sure the person calling you is a scammer,” says Steve Weisman, attorney and blog author Scamicide, which provides information on the latest scams.

Grandparent Scams

In this scenario, a person will pose as the grandchild of the person who answers the phone and asks for money. The caller can pretend they have an emergency, like a car accident or a problem with the law, and don’t want anyone to know. They might ask you to send them money or gift cards.

“Scammers often harvest the information they need to make the call seem legitimate from obituaries and social media,” Weisman says. “Setting up a code word that the grandchild can use in a real emergency is a good thing to do.”

Internet scams

If you share information about yourself on social media, you could be targeted by online scammers. Internet scammers can find personal information about you that is available online and use it to craft a scenario that might motivate you to provide funds or share more information.

“A client of mine recently had a lot of money scammed through Facebook,” says Patrick Simasko, senior attorney at Simasko Law in Mount Clemens, Michigan. “The scammer pretended to be an army officer and claimed he needed the money to come back from Afghanistan and visit his children.” If you get a message asking you to click on a link or share your identity details or make a payment, tap “remove”.

Investment scams

You might be contacted by someone claiming to be a financial adviser, real estate investor or wealth manager who promises an attractive investment opportunity or big returns if you send them funds. These scams will take your money and give you nothing back. Before sending contributions to a new investment, consult a trusted advisor with proper credentials and avoid quick decisions.

Medicare scams

Someone may contact you claiming to be a Medicare representative who can help you save money by getting some form of additional coverage. The caller may ask for personal information or verify account numbers, and even have information about you. If you receive a Medicare-related call, email, or text message, ignore it. If you have questions about your health coverage, contact Medicare directly.

Reverse Mortgage Scams

If you own your own home, you might be contacted by someone claiming that you could access some of the equity in your home with a reverse mortgage. They may offer to appraise your home for a fee, give you an invalid home value, and ask you to sign up with inaccurate loan documents. Don’t respond to requests asking you to share details about your home or make a payment for a reverse mortgage. If you want to get a reverse mortgage, contact a reputable lender or advisor in your area and discuss your options.

Romance scams

If you join an online dating site, you might be approached by imposters who express interest in starting a relationship. After they talk on the phone or start dating, the scammer will ask for money to help pay their utility bill, parking ticket, home repairs, or something else. The diet might last for the long haul, especially if you’ve been dating for a year or more. To avoid being a victim, research the people who contact you through an online dating site. If you are unsure, ask someone you trust to assess the situation and avoid asking for money.

Contest scams

A fraudster might contact you to congratulate you on winning the lottery. They may send you a fake check, which may initially look real until it is rejected by the bank, and you may be asked to pay a fee or cover taxes. Jim White, an attorney and founder of JC White Law Group in Chapel Hill, North Carolina, has a client who was told his wife, who has dementia, entered and won $15 million in an international competition, but the client was then asked to pay the fee.

“If you’re told an incompetent person has either won a prize or taken on an obligation, look into it carefully,” White says. “Do not allow anyone to send you money in any way that you must pass on to someone else.”

]]>