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Iraq – Why Doesn’t the US Move Out Despite the Iraqi Parliament’s Decision?

By Peter Koenig

Why doesn’t the U.S. respect the decision made by the Iraqi Parliament and move out of Iraqi territory? – The short answer is, because the US doesn’t respect anybody’s – any country’s – decision or sovereignty, as long as it doesn’t meet their objectives.

Now, the US is steadfast and will not leave the region. Already President Assad has requested that the US leave Syrian territory. They didn’t. The stakes are too immense for the US. It has all to do with their move towards world hegemony by territory and by finance – meaning by the US dollar.

The conflict with Iran is not over. By any means. We are just experiencing a respite for regrouping – and subsequently continuing and escalating the conflict. US bases in Iraq and military presence, at present more than 5,000 troops, are the most convenient means of force against Iran.

Other than controlling the rich and highly strategic territory of the Middle-East as an important step towards world hegemony, the US continuous presence in the region also has to do with profits for the war industry and with the price and control of hydrocarbons, especially gas.

We have seen, soon after the cowardly murder of General Qassem Suleimani, the share values of the war industry jumped up, of course in anticipation of a hot war – and huge weapons sales. The war industry profits insanely from killing. Wars and conflicts are increasingly what drives the western economies. Already in the US the war industry and related industries and services make up for about half of the country’s GDP. The US economy without war is unthinkable. Therefore, the Middle-East is a perfect eternal battle ground – a sine qua non for the west. War is addictive. The western economy is already addicted to it. But most people haven’t realized that – yet. Revolving and renewed conflicts and wars is a must. Imagine, if the US were to leave the Middle-East, PEACE might break out. This is not admissible. Soon, your job my depend on war – if you live in the west.

Then there is the Iranian gas. Daily 20% to 25% of all the energy consumed to drive the world’s economy – including wars – transits through the Golf of Hormuz which is controlled by Iran. Immediately after the heinous murder on General Suleimani, the oil and gas prices spiked by about 4%, later declining again. This, in anticipation of a major conflict which could have Iran reduce her gas production, or block the passage of Hormuz. In either case a collapse of the world economy could not be excluded.

As a parenthesis – it is so absolutely necessary that the world frees itself from this nefarious source of energy – hydrocarbons – and converts to other, cheaper, cleaner and FREER sources of power to drive our industries and activities. Like solar energy of which Mother Earth receives every day more than 10,000 time what it needs for all her industrial and creative activities on every Continent.

The US, with a flailing multi-trillion fracking industry which just failed the European market, due Russian gas via Nord Stream2, and just inaugurated Turkstream, would like to control the price of hydrocarbon, so as to revive the highly indebted fracking industry. What better way than to control Iran, and her enormous reserves of gas, shared with Qatar?

Then there is the close alliance between Iran and China – China being Iran’s largest customer of gas. China is perceived by Washington as a deadly competitor, and barring her from the energy that makes China’s economy thrive, is one of those devilish objectives of the United States. They are unable to compete on an even playing field. Cheating, lying and manipulating has become part of their, and the western life style. It is deeply ingrained in western history and culture. 

Of, course there are other ways of supplying China with the hydrocarbons she needs. Russia with the world’s largest gas reserves, could easily increase her supplies. 

In brief, the US is unlikely to leave the Middle-East, although some generals – and even some high-ranking Pentagon brass – believe this would be the smartest thing to do – they see the light, and the light is not war, but PEACE

What could Iraq do to get the US out of Iraq and eventually out of the Region? After all, the Iraqi Parliament has taken a majority decision to regain Iraq’s sovereignty and autonomy, without foreign troops. Most countries with troops stationed in Iraq respect that decision. Denmark, Australia, Poland and Germany are preparing to move their troops out of Iraq. Only the UK with her 800 military men and women decided for now to stay alongside the US.

Iraq may want to strengthened her alliance with Russia and China, hereby increasing the pressure on the US to honor Iraq’s sovereign request for the US to leave. How much that would take to materialize, if at all, is a difficult question to answer. Maybe ‘never’. Except, if the US-dollar hegemony over western economies can be broken. And at the moment, a strong down-turn of the dollar’s role in the world economy is showing, as the western world is increasingly seeking ways to de-dollarize her economy and to associate with the East, led by China and Russia, where de-dollarization is advancing rapidly.

When that happens, chances are that the US of A’s dictates over the nations of the world will be mute, will not be listened to anymore, and that Washington will have to rethink its future – and very likely a US presence in the Middle-East will be history.

About the Author

Peter Koenig is an economist and geopolitical analyst. He is also a water resources and environmental specialist. He worked for over 30 years with the World Bank and the World Health Organization around the world in the fields of environment and water. He lectures at universities in the US, Europe and South America. He writes regularly for Global Research; ICH; RT; Sputnik; PressTV; The 21st Century; Greanville Post; Defend Democracy Press, TeleSUR; The Saker Blog, the New Eastern Outlook (NEO); and other internet sites. He is the author of Implosion – An Economic Thriller about War, Environmental Destruction and Corporate Greed – fiction based on facts and on 30 years of World Bank experience around the globe. He is also a co-author of The World Order and Revolution! – Essays from the Resistance.

Peter Koenig is a Research Associate of the Centre for Research on Globalization.

Russia – A Groundbreaking Powershift?

By Peter Koenig

In groundbreaking news President Putin announced today, 15 January, in his annual address to the Nation, major changes in his government. First, he announced that Prime Minister Dmitry Medvedev and his entire cabinet resigned and will eventually be replaced by a new PM and a new cabinet. A timeline was not given. In the meantime, they would carry on with their functions as ‘normal’. Well, how normal can this be for a group of “lame ducks”?

A second important point of Mr. Putin’s speech focused on shifting power away from the Presidency to the Duma, or Parliament. The Duma shall have more power in a better balancing act between the Presidency and the voice of the people, i.e. the Parliament. The possibility of referenda, with people voting, is also foreseen. A move towards more ‘democracy’. Some interpret this as a reaction to western criticism of Russia being a dictatorial state and this move should alleviate Russia from this accusation. I don’t think so. Western accusations are random, when it suits them, never based on facts, but on lies.

For example, the change in government power foresees some changes in the Russian Constitution, but not a rewrite at all, as Mr. Putin stressed. The term-limitation of the Presidency should also not change, no more than two. It appears the “no more than two in a row” – should be amended, and the “in a row” deleted. That would mean, that President Putin would have to leave the Presidency definitely in 2024, when his current term is up. This may be one of those Constitutional areas to be confirmed by the Duma – or not.

But could Mr. Putin become PM and still run Russia from behind the scene? As he did from 2008 – 2012, under then President Dmitry Medvedev. This was not discussed.

When PM Medvedev explained his resignation, he referred to Article 117 of the Russian Constitution, which states that the government can offer its resignation to the president, who, in turn, can either accept or reject it. Mr. Putin, of course, accepted it, thanking PM Medvedev and his Ministers for their good work and service to Russia. Although there was no visible hostility between Putin and Medvedev, this move has most likely been discussed and negotiated months ago.

Mr. Medvedev was offered the post of Deputy Secretary of Russia’s Security Council, a job that first had to be created, according to Mr. Putin. This rank is clearly a few steps down from Prime-Minister. PM Medvedev and President Putin are both members of the United Russia Party, but Medvedev has the reputation of being an Atlantist, meaning, leaning strongly towards the west, western political philosophy. The Russian financial sector is still infiltrated with Atlantists, some may call them Fifth Columnists.

All the while seeking to improve relations with Europe – a logical step – President Putin is adamant to detach from the US-dollar dominated “sanction-prone” economy. And rightly so. Might this explain the departure of PM Medvedev? – As of this morning, there was no mention of a favored replacement as PM. This may take a while. Seemingly no problem, as all the key activities are still covered by the “caretaker” government. The entire change of government was presented as “relaxed”, “no big deal”, a natural process for improving the functioning of the Russian government. Yet, this has never happened in “modern” Russia, in the last 20 years, under Mr. Putin’s leadership.

Duma members interviewed saw it generally as a positive move. They will now have more power, and more responsibility. They will have a say in key appointments, including of the Prime-Minister and his cabinet, while the final decision rests still with the President.

What is important to notice, is that the present “democratization” of the Russian government comes at a time when Mr. Putin’s public approval is still around 70%, a slight drop since his reelection in 2018 with 77%.

The Duma with its new powers, will be asked to look at some aspects of the Constitution (as of yet no details are officially defined) with a view of possibly modifying them. Given Mr. Putin’s high popularity and Russia’s economic and political stability, Russia’s military superiority – despite the constant western interference, or attempted interferences – preserving that stability and continuous economic prosperity is important, i.e. continuity in the Presidency and the Government is crucial. Thus, wouldn’t it be conceivable that the Duma might lift the term-limit for the Presidency altogether?

Although, at this stage much of this is speculation. But assuming that some of the strategy behind this change – the “power equalizing move” – goes in this direction, then the timing is perfect. A new Decade, a new Era. And Putin remains the key player – the one who has made of Russia what she is today – a proud, independent, autonomous nation, that has despite all sanctions and western demonization – not only prevailed, but come out on top brilliantly as a sovereign world super power. – Why would the Russian people want to risk giving up this hard-deserved privilege?

About the Author

Peter Koenig is an economist and geopolitical analyst. He is also a water resources and environmental specialist. He worked for over 30 years with the World Bank and the World Health Organization around the world in the fields of environment and water. He lectures at universities in the US, Europe and South America. He writes regularly for Global Research; ICH; RT; Sputnik; PressTV; The 21st Century; Greanville Post; Defend Democracy Press, TeleSUR; The Saker Blog, the New Eastern Outlook (NEO); and other internet sites. He is the author of Implosion – An Economic Thriller about War, Environmental Destruction and Corporate Greed – fiction based on facts and on 30 years of World Bank experience around the globe. He is also a co-author of The World Order and Revolution! – Essays from the Resistance.

Peter Koenig is a Research Associate of the Centre for Research on Globalization.

Quick Solutions For Small Financial Issues

There are many situations that can happen in your life that can lead you to need financial assistance. There is nothing to be ashamed of and millions of people face financial difficulties every single day. Even if you have a steady job, it can still be hard to finance a surprise car repair, birthday parties, and medical emergencies. If you are looking for a solution to your financial problem you do not have to worry because there are options available to you.

Here are some quick ways that you can get cash fast to pay off your emergency expenses.

 

Payday loans

Payday loans are a great way to get cash fast. If you are facing financial problems you may want to consider getting a payday loan. The great thing about payday loans is that they can lend you money very fast and that will allow you to pay off any emergency debts you have. This is really beneficial in situations where you cannot make a rent payment and do not want to get kicked out of your apartment. Also, according to Perfect Payday, these loans can be used to help you pay for emergency car repairs. You never really know when your car is going to need a repair so it is nice to know payday loans are there to help you out.

 

Ask a friend

If you are facing financial issues you could always ask a friend to loan you some money. If you are willing to ask for help this can be a good way to get money quickly. You may also be able to get a lower interest rate or no interest rate from a friend, but you also, do run the risk of ruining your friendship if you cannot pay them back and it can make for some awkward conversations so make sure you consider that before you loan from a friend. The better option would be to do some work around the house for a friend like babysitting so that they can pay you.

 

Pawn your valuables

Another good way to get some fast cash is by pawning any of the valuable items you own. These items can include valuable watches, rings, necklaces, jewels, and even electronics if you are desperate. Generally, local pawn shops will give you either cash for your items or you could get a loan with your valuable item as collateral. If you do not pay back the loan to the pawnshop they will take your valuable items and keep it for themselves. The downside about pawnshops is that they will usually not give you the most money for your valuable items because they know you are in desperate need of cash and they will try to lowball you.

 

Home equity loan

If you own your home, you may be able to unlock some of the value of your home. There are some financial institutions that will give you a loan against your home. This may require you to go to your bank and discuss some of the various options available. Generally, the benefit of these kinds of loans is that they offer lower interest rates because they use your home as collateral. The downside of this option is that it can take a bit more time than a payday loan or credit card advance. However, this is still a suitable option for most people that own their home and need cash as this allows you to pay off any emergency expenses quickly without the high interest rates.

 

Credit card advance

If you need money quickly and you have a credit card you can get an advance. This is a great option for people that have a credit card because it does not require them to fill out any paperwork. The downside of this method is that it can be hard to keep track of credit card debt and it can rack up quickly. With that being said, if you can track your spending and only use the advance towards your expenses then you should be fine.

If you have had a financial emergency it can be hard to know what your options are. Make sure you remember some of the ways you can get some cash quickly to help cover your emergency expenses. If you need help, you should consider talking to a financial advisor as they will be able to help get you on track. If you are dealing with a lot of debt you should probably speak to a bankruptcy attorney instead as they may be able to help you get rid of your debt entirely.

What Makes a Great Criminal Lawyer?

Facing criminal charges of any kind is extremely stressful – whether that means a DUI or something much more serious. If you’re facing a criminal charge, you need an experienced criminal lawyer on your side.Connolly Suthers, expert Criminal Lawyers Townsville, advises that in order to find the right lawyer, you need to know what characteristics make for a stand-out criminal lawyer in the first place. Fortunately, there are some basics that can help you proceed with confidence when it comes to choosing the right criminal lawyer for your case. 

 

Look for a Criminal Lawyer Who Specializes in Cases Like Yours

If you are facing a second DUI, you need a defence lawyer who’s experienced in this kind of charge, but if you’re facing more serious criminal charges, you’re going to need a defence lawyer like Pyzer Lawyers whose background addresses charges of a more serious nature. Look for a criminal defence lawyer who either specializes in the kind of legal representation you need or who has broad experience in the area, such as Wilson Criminal Defence. Whatever charges you face, the outcome is extremely important to you and your future, so choose a criminal lawyer accordingly. Some lawyers specialize in specific types of criminal cases, and others engage in a full spectrum of criminal cases. What you don’t want, however, is a lawyer who merely dabbles in criminal cases. 

 

Stellar Criminal Lawyers Investigate Extensively

Once you’ve been charged with a crime and have brought on a criminal lawyer, you’re already behind in terms of investigation. The police have already done their investigative work, and the prosecution has brought charges. This means that your criminal lawyer needs to be prepared to hit the ground running when it comes to doing his or her own investigation into your case. To begin, your case is all about gathering information, and the best criminal lawyers take their own investigative efforts extremely seriously. This can include:

  • Determining the circumstances that led to you being charged in the first place
  • Examining the evidence that was used to bring charges against you
  • Ascertaining what the police might have missed in the case
  • Digging into pertinent phone records, text messages, social media posts, photos, videos, and more
  • Finding and interviewing witnesses – especially witnesses whose testimonies contradict the charges brought

If you’re facing criminal charges, you want a criminal lawyer who is committed to the process of investigation.

 

The Best Criminal Lawyers Are Excellent Negotiators

When it comes to bringing a strong legal defence, negotiation is key, but what does that really mean? When you’re facing criminal charges, there is absolutely no guarantee about the outcome if you proceed to trial. While there may be a good likelihood of a certain outcome, there is no guarantee of that outcome. If your lawyer is a skilled negotiator, however, he or she will employ his or her considerable negotiation skills to find a middle ground between what the prosecution seeks and protecting your best interests. This in no way means giving in to the prosecution but, instead, means negotiating a sure thing that is beneficial to you. 

A veteran negotiator knows how to highlight those elements that help establish inconsistencies in the prosecution’s case and that foster doubt in your guilt. It’s important to remember that there are no guarantees for either side and that your criminal lawyer’s ability to establish doubt can be very motivating for the prosecution.

 

Criminal Lawyers Should Examine Legal Technicalities

The law is complex with detailed requirements – for very good reasons. The law is meant to serve the people in general and to protect our rights as individuals, and this makes adhering to legal technicalities extremely important. While the police are often skilled at their jobs, including investigating crimes, this does not mean that they always produce accurate police reports on the matter, and said reports are not above being challenged. Further, challenges can be levied at multiple levels (whenever appropriate), including:

  • Your criminal lawyer can challenge the paperwork filed against you if it doesn’t accurately represent what transpired in your case and/or if it crosses any legal boundaries.
  • Your criminal lawyer can challenge the legality of your initial arrest or any inherent details that do not comport.
  • Your criminal lawyer can challenge the police’s adherence to the law in their efforts to bring charges against you.
  • Your criminal defence lawyer can challenge the legal procedure involved in your case.

Typically, technical legal challenges begin at the motion stage, which can lead to the suppression of evidence or another kind of leverage that improves your chance of obtaining your case’s best possible resolution. 

 

You Want a Criminal Lawyer with Considerable Trial Experience

Just because there are no guarantees at trial does not mean that you should avoid trial at all costs. Sometimes, trial is the best option, and you want a criminal lawyer who knows the ropes and welcomes the challenge of taking your case to trial if the need arises. Building a case with strong bargaining characteristics involves the same process necessary to bring a strong case in court, and if you and your experienced criminal lawyer determine that going to court is the best path forward in your situation, your criminal lawyer should be ready, willing, and able to proceed.

Top 5 Questions You May Want to Ask Your Divorce Lawyer

If you are facing a divorce, you’re going to need a divorce attorney, and that means finding an attorney with whom you feel comfortable working closely on a variety of very personal topics, including your finances. The fact is that the outcome of your divorce will continue to reverberate in your post-divorce life, and it’s important to carefully attend to the details to help ensure that you and your children’s futures aren’t left to chance. If you’re going through a divorce, you need the professional legal counsel of an experienced divorce attorney on your side.

What’s Your Approach to the Divorce Process?

The first question you’ll want to ask your potential divorce lawyer is about his or her approach to the divorce process. For example, if you and your divorcing spouse are closely aligned on your expectations, and you aren’t expecting any major surprises, you may be able to proceed with minimal legal requirements. In such an instance, you will look to your attorney to provide you with several legal services that include:

  • Negotiating with your divorcing spouse’s attorney to hammer out any details upon which you have been unable to come to mutual terms.
  • Drafting your divorce documents in accordance with you and your spouse’s mutual decisions.
  • Helping you explore the financial and tax consequences of your decisions – to make sure they will work for you and your children into the future.
  • Filing your divorce documents with the court. 

If your potential divorce attorneys approach is to begin with the least invasive legal intervention and to proceed from there, he or she may be a good match for you.

On the other hand, if you’re divorce involves high assets and/or financial complications such as owning a business and things are already becoming contentious, you should probably be looking for a divorce lawyer who’s willing to take a more aggressive initial stance. The most important thing here is that you feel comfortable moving forward with your divorce lawyer.

How Will You Communicate with Me throughout the Divorce Process?

Even relatively drama-free divorces are exceedingly stressful, and there will be times when you’ll need to be able to get in touch with your attorney quickly. Ask potential candidates about how available they’ll be for you and consider whether their responses suit your needs. If you plan on working mainly through emails and written correspondence, make that clear. If you expect regular face-to-face meetings, make that clear. If you require a speedy turnaround on your inquiries, let him or her know your expectations. The only way to find out about your potential attorney’s communication style is to ask. Further, if your attorney works closely with a professional paralegal, you may be able to build a relationship with him or her in order to have more immediate access and to decrease your legal expenses.

What Kind of Case Management Technology Do You Use?

Technology has made case management much more convenient and transparent. As your case progresses, you will be able to follow along via the firm’s case management software, which can also provide you with a mechanism for messaging your attorney, reviewing your filed documents, and tracking your case’s status. Ask all potential attorneys about the software they use and what it has to offer you as a client.

What Is My Case’s Most Likely Outcome?

You hire an attorney for his or her legal experience, and as such, it’s a good idea to ask potential divorce lawyers about their take on the most likely outcome of your case. While any divorce statistics can go south and become contentious at any moment, an experienced divorce attorney will have a solid handle on the path your divorce is likely to follow. Whether he or she sees fairly smooth sailing ahead or expects conflict, it’s nice to know how best to proceed. Further, an experienced divorce lawyer will alert you to any red flags that could indicate trouble is brewing. 

What Are My Payment Options?

It’s important to talk to your potential divorce attorney about payment – especially if you have serious financial concerns, which many people going through a divorce do. In fact, when you’re facing a divorce, your future finances may be extremely uncertain, and money might be especially tight during the divorce process. Your attorney may offer payment options, such as monthly payments or making a payment upfront and another after your divorce is finalized. 

An experienced attorney who is motivated to represent you will work with you to help you find a means of affording his or her services. For example, finding a way to pay your legal fees out of your marital estate rather than directly out of your pocket might be a viable option. Further, the attorney whom you choose to work with is going to help you predict what your finances are going to look like post-divorce. A reputable divorce lawyer will help you work within your divorce budget to attain results that allow you to move forward after your divorce is finalized.

How to Get a Lower Down Payment on a House

One of the biggest and most common causes of anxiety among prospective homeowners is the dreaded Down Payment of Doom. It’s one of the first obstacles you’re likely to find standing between you and your dream house, and it can often feel like the most formidable one to boot.

Want to know a secret, though? As towering as that obstacle may seem when you’re going at it on your own, with the right allies by your side it becomes a whole lot smaller.

Instead of being a Lone Ranger, be a Loan Ranger! Here are a few trusty sidekicks who can help you turn that Down Payment of Doom into a Down Payment of Manageable Affordability:

 

Pay 0% down with VA and USDA loans

VA loans are provided by private lenders but guaranteed by the U.S. Department of Veteran Affairs. They are available to members of the U.S. Army, Air Force, Navy, Coast Guard, and National Guard who have served over 180 days of active service duty overall or 90 days consecutively.

Similarly, USDA loans are provided by private lenders but guaranteed by the U.S. Department of Agriculture. They are available for those looking at homes in eligible rural areas.

 

Pay 3% down with Conventional 97 and HomeReady loans

A variation on Conventional loans (the usual 20% down payment ones provided by private sellers but not guaranteed by any government entity), Conventional 97 loans offer a lower down payment under very specific guidelines: the lending limit is around $500,000, mortgage payments are restricted to a fixed rate, and the loan can only be used to purchase a single-unit home. One advantage of Conventional 97 loans, though, is that they allow for their down payments to be covered by funds gifted to the borrower from any relative by blood or marriage.

HomeReady loans, meanwhile, achieve their low down payments by calculating the income of all individuals living in the home, not just the primary borrower. In other words, multigenerational households where parents and their children all contribute to overall living expenses can qualify by adding everyone’s individual incomes together.

 

Pay 3.5% down with FHA loans

Among the most popular mortgages for borrowers looking for a low down payment, FHA loans are loans provided by private lenders but guaranteed by the Federal Housing Administration. They are available to borrowers with a minimum credit score of just 580, but they do require non-removable private mortgage insurance, typically at a rate of around 0.085%.

P.S. Here’s a few more helpful tips…

  • Before anything else, figure out what you can afford with a house payment calculator.
  • Paying for private mortgage insurance (which protects lenders in the event of borrower default) may seem like an unnecessary extra cost, but it has the benefit of lowering your down payment, and can itself be removed over time (except in the case of FHA loans).
  • Believe it or not, a larger down payment isn’t always a bad thing. If you can afford it, paying more now will significantly decrease the cost of your future monthly payments.

How will Artificial Intelligence Impact the IT industry?

Artificial intelligence is the future of technology. It is implemented in many devices, and you can AI-infused equipment in more and more places, like for example Inside Tech. It is also expected to change the way most It companies work in a few years. But what are the predicted changes? That is the question we will try to answer.

There is a change in the power dynamics expected with the rise of AI, and you can see a shift happening already. Data-oriented companies will take the lead in the industry, as it is easier for them to develop Artificial Intelligence technology. An excellent example of a data-oriented company is one working on the concept of smart cities or homes. Once the AI is developed enough to implement it in the whole building, they will see an enormous rise in the company’s value.

AI itself should also be able to lower maintenance costs in the companies, increase the workers’ effectiveness, and speed up all IT processes. That should save companies a lot of money which is more than desirable, as the industry is hugely capital-consuming. 

AI will most probably create a lot of new positions in the IT industry, so there you can expect a significant increase in demand for IT workers. But it will also increase the need for people with IT experience in many other industries, so the IT companies will have to fight for the qualified people to want to work for them.  

Artificial Intelligence will possibly change every major industry out there in the years to come. The IT industry will be one of the most impacted. IT companies should prepare themselves for what will soon happen. You should invest in getting more technological knowledge so that you can expect more attractive career opportunities in the future. And there is money in IT already.

Just How Different Is College From High School?

College and high school have to be pretty similar, right? You get up, you go to class, you hang out with your friends, you learn a ton of stuff…they’re basically the same thing. Or are they?

College and high school may look similar on the surface, but look a little deeper and they are wildly different. In fact, the only real similarity is the furthering of your education.

Your college experience will be deeper, richer, and potentially harder than high school ever was. However, and if you’ve picked the right school in Townsville, you’ll get great preparation for what college or university has to offer. And trust us – it will be totally worth it.

Little Fish, Big Pond

While some high schools have thousands of students, most will have significantly less than colleges. In high school, especially in your senior year, it’s likely that you’ll have an established friendship group, a routine, places you like to hang out, a favorite table in the cafeteria, and so on. You’re the proverbial ‘big fish’.

When you go to college, expect to be right back where you were as a high school freshman, but in a much bigger place. You might not know anyone at all, or know where your classes are, or know where the best hangout spots are. But remember that you didn’t know that when you started high school either – you learned then, and you will again. It’ll be great!

Independent Study

In high school you have a timetable of classes that takes you from the start of the day to the end, with a lunch period in between. Sure you have homework, but the majority of your learning is done in school. In college this changes pretty dramatically; your class timetable might be just an hour here and there over the week, but you will be required to do an enormous amount of independent study. And your one class a day could run for three hours!

You’ll also notice that your workload increases; if you got by in high school without having to study too much, expect a shock to the system when you hit college. You’ll have reading, research, group projects, essays, exams, tests – a bit of everything. You will need to put more time into each assignment, too. No more last-minute cram sessions!

Money

Whether you stay at home for college or move away, it’s going to cost money. Unless your parents are able to fund your Alchemy Tuition and expenses for you that means you will either need to find the money yourself or take on debt through student loans. This is a huge adjustment for a lot of young people: one minute all their money can be spent on trips to the mall and trips, the next they’re responsible for buying their own groceries, paying their own rent and bills, and taking care of themselves.

If you’re worried about the financial side of going to college, there is a ton of help and advice out there about how to manage your money and how to handle your debt. Check out Elfi’s loan calculator

How Does Your Brand Influence Your Marketing?

Your brand is the most important thing your business has in its asset column, and one of the most direct ways you can try to influence is through your marketing.

It’s worth thinking for a moment about what your brand is. Brands are not something you can create outright: customers make a brand, by taking every different instance of contact with your company, from advertising to in-store experience, word of mouth and what happens when they pick up the phone to your customer service team. Even how easy it is to contact your customer services can affect your brand: limiting how customers can contact you can reduce unnecessary contacts and drop refund numbers but at the cost of making you appear distant, or like you’re attempting to hide something.

In this context, it’s clear that you can’t think of marketing as something directly ‘creates’ your brand, but it can influence and provide a framework for customers to place all the fragmentary experiences that go together to create their overall impression of your company’s identity. The most important thing is consistency: your marketing is your chance to articulate the key characteristics you want your customers to pick up about your brand. If you use that opportunity to tell customers things that are inconsistent with how your brand actually works in reality you will, at best, create confusion. At worst it can thoroughly undermine the work you’ve done to build your brand and depress sales.

 

Measuring Performance

It’s tempting to think of your brand as resistant to being quantified and measured. In truth, if you adopt a brand performance marketing stance, with help from an expert market research company you’ll find you can reliably assess your marketing campaigns based on how they affect your brand.

The key metrics include unprompted recall (do customers remember your business?), purchase intent (do they want to buy from your business?) and net promoter score (would they recommend your business to other people?).

If you track these metrics and compare them over time, as different marketing campaigns are released, you can judge how your marketing affects your brand. As you learn this, you can start making plans for how your brand is going to affect your marketing: when you know what elements of your adverts have the most effect and how they influence your customers, you can plan future campaigns to have a specific effect on your brand.

How does your brand influence your marketing? By learning how your marketing influences your brand!

What You Should Know When Buying a Home in Canada

Are you considering buying a home in Canada? Lining up a real estate agent and scheduling showings shouldn’t be first on your list. You’ve got work ahead of you.
Buying a home involves patience and planning. It’s an activity filled with financial requirements and unexpected expenses. Understand what lies ahead, so you aren’t caught unprepared.

Examine Your Financial Health
What is your gross monthly income, and how does it compare to your monthly expenses? Do you pay your bills on time? Do you have large debts? Lenders take your debt-to-income ratio to heart.

In an effort to prevent people from taking on too much, The Office of the Superintendent of Financial Institutions instituted a so-called “stress test.” In essence, it’s a way for lenders to determine if a home buyer can comfortably afford mortgage payments, and these calculations aim to keep people from taking on too much debt when buying a house.

When was the last time you viewed your credit score? According to TransUnion, home loan approval can be difficult if you have a credit score of less than 600. Thus, the higher your score, the nicer you look to a financial institution and the better rates you will receive.

Make a Down Payment
To buy a house in Canada, you’ll need to put down a minimum 5 percent down payment. It’s the minimum amount required to get a house. However, a 20 percent down payment will help you save thousands of dollars on default insurance premiums. It can also open up your financial options.

Additionally, a 20 percent down payment lets you turn to private lenders and qualify for a greater assortment of loans. If you live in a large city like Toronto, you can cast a wider net. It’s easier to compare Toronto mortgage rates across financial institutions.

These include interest-only mortgages, non-prime financing, home equity lines of credit and then some. The resulting lower payments can provide continued financial security down the road.

Learn About a HELOC
You may be familiar with mortgages. While it’s certainly the most popular home-buying option, there is an alternative. A HELOC is a flexible financial option. It’s usually used when a homeowner has paid off a large part of their mortgage.

Yet, some new homeowners turn to a HELOC as a cushion in case of an emergency. In this case, a HELOC is used as a secondary mortgage for an emergency fund. You won’t have a payment until you use the funds.

Add Mortgage Insurance
If you’ve been pinching pennies to save for your down payment, you’re off to a good start. But, you should try to keep saving until you have at least 20 percent for your down payment. If you have less, you can still be approved, but you’ll need to add mortgage loan insurance to your “must buy” list.

What is mortgage loan insurance? This type of insurance safeguards the mortgage lender in the event you can’t make your mortgage payments. It’s sometimes referred to as mortgage default insurance. Sometimes, even with 20 percent down, you will need to add on mortgage loan insurance.

Plan Your Next Move
Where does your credit score and debt-to-loan ratio fit in? Take the time to look over your financial health so you can later qualify for a home loan. Speaking with a financial adviser can help you see where you stand — and where there’s room for improvement.

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