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A closer look at Brazil’s economic meltdown

Brazil is undoubtedly Latin America’s largest country and a dominant player when viewed from an economic perspective. Brazil steadily rose to financial stability not until 2015, when the economy started declining. In 2015, the decline rates were estimated 3.8 only for it to shrink by 3.6% in 2016. The heat is slowly becoming too hot to bear considering that unemployment rates stood at 12.6% in January 2016 right from 9.5% in 2015. Despite hints of recovery, nothing seems forthcoming.

Corruption – Major contributor to Brazil’s economic recession

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Part of Brazil’s economic downfall is was orchestrated by corrupt dealings among government officials. These alleged dealings took center stage when the country was planning to host the 2016 Olympic Games. The consequences of this fraudulent have sparked anger among the citizens who were quick to show their wrath by vandalizing Olympic facilities and stadium infrastructure. As a result, some politicians found themselves behind bars. Corrupt dealings are believed to have partly led to the impeachment of President Dilma Rousseff.

Consequences

The shilling has lost value

It is believed that the Real has lost more than 10% of its value to the US dollar. This has consequently led to an increase in the price of imports. Since the costs of goods produced or imported in the country are now at a record high and Brazilians have little disposable incomes, the cost of living has become unbearable.

Reduced personal spending

With most Brazilian below the poverty line, most citizens are left with little to spend. If exports remain down while Brazilians are not buying much, things are expected to stay as they are until something radical happens to the Brazilian economy.

Reduced investments

Despite lack of confidence among its citizens, investors too remain skeptical. With most investor unwilling to inject their money into the economy, economic growth is certainly impossible unless things change.

Reaction to corruption

dscAaSSIn attempts to get the country back to its feet, brazils current government led by president Michel Temer who took office right after the impeachment. In his tenure, parliament passed financial laws aimed at capping public spending. As much as popular investors highly lauded this move, it has been met with fierce criticism by the population who are still wallowing in poverty and unemployment.

As things are, notable political observers have voiced their concerns while some like arthur pinheiro machado going to great lengths to offer possible political and economic solutions. Ideally, the economic stability of these South American nation can only be realized when political class, politicians, citizens and all other stakeholders are involved.

 


Mistakes most investors make

It is both easy and hard to make a kill out of your investment as an investor. Investing is a game of cards that should be played with a lot of caution. A simple mistake and you lose your time and money, thereby sinking deeper than you were starting off. You should, therefore, exercise caution when choosing your investments. Here are a few mistakes most investors make.

Comparing investing to gambling

43565ytrerIt is arguable that investors make investing decisions just the way gamblers make gambling decisions. With the erratic movement of stock prices, for example, you never know which company will be doing good tomorrow. An investment may be very promising today, but tomorrow, it may be nullified by the legal system. Indeed,
to some people, there could be some truth that investing is more or less similar to gambling. Indeed, with investing, there may be no internationally accepted formula for choosing the most worthwhile investment at a certain time.

However, there are internationally accepted formulas for valuing investments. You can, therefore, be able to predict the expected cash flows of a certain investment accurately and determine its value at the outset. This is different in gambling where you just pick your choices and cross your fingers, unable to know what to expect.

Choosing investments based on emotions

Most investors choose the investments that they have emotional attachments to. For instance, most investors tend to buy shares of the companies that they like for one reason or the other. Often, this is done at the expense of a more worthwhile investment in other companies that the investors do not like. Investors should be guided by the ability of a certain investment to create value for them.

Judging a book by its cover

The finance world is full of window dressing. The fact that a company is making profits year in year out does not mean that it is the best company to invest in, for example. Ask yourself- does the company declare dividends? If it does, what is the dividend payout ratio? What are the earnings per share? Research has shown that investors react to the good news by increasing their investments in a certain company. This is not always the right move. Good news may mean bad news shortly. Instead of taking information concerning a certain investment at face value, it is advisable to do thorough research and establish facts that will help you make a sound judgment.

Following the crowd

Most people invest where everyone else has invested in. For example, everyone desires to own a good house. That is why everyone wants to invest in the real estate sector. While it may still be beneficial to follow the crowd, sometimes it may be very destabilizing financially. We all know that the world economic crisis in 2008 was fueled by the excessive demand for mortgages. Everyone wanted to own a house and mortgage lenders were willing and able to lend. What happened? Everyone followed the crowd, the rate of default was very high, and the effects ballooned to destabilize the entire real estate industry and the world economy in general.sdthfgfd

Putting all the eggs in one basket

Most investors invest all their wealth in one form of investment. When that investment collapses, they become financially unstable. As a prudent investor, you should diversify your investments. Create portfolios which, according to your judgment, will generate the highest returns on investment. If one portfolio fails, the others will work. With well-diversified portfolios, the probability of positive returns on investment is always high.


How to find the right student loans lender

Those of us that are either students or have been there before can agree that it’s not easy. They say that the roots of education are bitter, but the fruits are sweet. Financial constraints just happen to be among the bitter roots that we have to learn to deal with. It’s unimaginable how to go about your studies especially when you are flat broke. Your parents and guardians only paid your tuition fees and left the rest to you.

No money for tuition

ertrgferWorst case scenario, they have no money to pay for your tuition. It’s all up to you to pull yourself together and see how to come through it successfully. Come to think of it; it can’t be as hard as most of us have come to believe. Most of us have heard of student loans.

As the name suggests, these are loans offered to students who are financially stuck. They can’t seem to get themselves back on the truck. They can’t afford to put their education on hold because of this. However, not all student loans are credible and flexible. Instead, they are there for us to be wise enough to filter the genuine ones.

Student loans

These loans couldn’t have come at a better time. They are life savers for those of us who would care to know.  Genuine student loans do come with hefty perks for us to feast upon. How would we come to know about them if we don’t ask around?

When it comes to money matters, research is key. All the more reason to dig, dive and delve deeper into matters loans as a student. So you can be sure that you are not being tossed around.

How to choose a lender

Student loans – how to choose a lender. This is becoming one of the most popular and trending topics among students. The parents are also getting I evolved in it and are making sure to guide their sons and daughters towards the right direction. It’s a win-win situation if you find the right lender to work with.

As mentioned earlier, research is key. Through intense research, you will get to know which ones are the best and where to find them. You will also get to know the features to guide you in your search for the best lender.ertytr45

Tips to find the right student loans lender

A lender to s everything when it comes to loans. They can either make your borrowing a smooth sail or a complete nightmare. As a student, you need to be comfortable so your studies won’t be affected. Here are some useful tips on how to get the right lender;

  1. Ask around from your friends. If you inquire further, most of your friends are on student loans. You might want to borrow a few hacks on how they landed their current lenders.
  2. Do your research online. The online platform is where you wouldn’t want to miss out on. So much is happening here including how to get the right student loans lender. Dig deeper, and you’ll find exactly what you are looking for.

Devastated Family of Murdered Scientist Still Looking for Answers

Devastated Family of Murdered Scientist Still Looking for Answers

 

Norwich, CT – On May 14, 2004, police found the badly-beaten body of Dr. Eugene Mallove outside his childhood home. Dr. Mallove was a former MIT science writer, and the founder and editor of Infinite Energy and President of the New Energy Foundation. His loss is mourned by many across the US and the rest of the world, and by scientists from many different fields. Eight months later, no arrest(s) have been made in the case.

 

 

Joanne Mallove, wife:

“An irreplaceable loss … life will never be the same. After 34 years together, we developed an understanding of each other that was precious. I didn’t have to ask my husband how he felt about this or that; I knew already how he would react. We were soul mates.”

Ethan Mallove, son:

“We’re grateful that the Norwich Police have kept us informed of the investigation, but of course, barring an arrest, our sadness deepens at the grave injustice done to such a loving human being. It’s excruciating to think about all the work and sacrifice my Dad was putting in for the betterment of our world, an effort prematurely extinguished by such a senseless and egregious crime. My family and I can never calm until those responsible for this vicious and horrific crime are held accountable.”

Kim Woodard, daughter:

“Our lives as we knew them prior to my father’s death have been shattered. The possibility of this case going unsolved devastates us even more. I cannot even express in words the pain I feel living every day without my father. When he was killed, he had just become a grandpa to his first grandchild. My father lived such a good and honest life. Among the many things that need to be done to continue the legacy he left, the most important would be to find justice for his brutal murder.”

Other friends and colleagues of Dr. Mallove came forward with their statements along with the family.

Prof. Peter Hagelstein, MIT professor, Cold Fusion physicist:

“Gene was a tireless supporter and enthusiast of ideas and people that had been pushed out from the scientific mainstream, especially in the area of new energy technology. An important contribution early on in the cold fusion area was to pen an important book [Fire from Ice] that brought to the attention of the public and other scientists some of the results, arguments and discussion surrounding the Fleischmann and Pons experiment. Over the years, Gene had provided encouragement for many working in this and in other outcast areas, and had helped arranged for support for a few efforts. In more recent times, he created Infinite Energy magazine (IE), which provided a forum for people with ideas outside of the scientific mainstream to have their say, and to allow for a circulation of the ideas within the readership of his magazine.”

Dr. Paulo Correa and Alexandra Correa, biophysicists, close friends and collaborators:

“… It is a shame that the national media has not paid more attention to this crime and its investigation. Few understand that this was a crime pregnant with consequences, including the recent DOE report on Cold Fusion, the growing disorientation of the so-called New Energy movements, and the persistence of the erroneous notion that a hydrogen fuel-cell economy is viable. The unforgivable and brutal murder of Dr. Mallove could not have occurred at a worse moment for all those working tirelessly in the field of new energy. … We remain inconsolable with his loss and stand solidary with the Mallove family in demanding justice.”

Dr. Thomas Phipps:

“Eugene Mallove foresaw the need for vision and leadership in charting the unknown territories of cold fusion and low energy nuclear physics. He stepped forward and supplied both, taking the necessary lead with courage and at some personal sacrifice. Although it is probable that nothing can stop what he started, his loss is a cruel blow to hopes around the world for a rapid resolution of the scientific issues that remain to be settled. The eventual success of cold fusion and its inauguration of a new era in nuclear energy science — with possible untold benefits to mankind — will be his enduring monument.”

Dr. Scott Chubb, research physicist at the Naval Research Laboratory, IE Technical editor:

“Eugene Mallove stood for all that is great in science, in journalism, and in life. His persistence, dogged perseverance, and character, is embodied in his creation: Infinite Energy (IE) Magazine. In doing this, Eugene Mallove was an innovator. Forthrightly, he captured an important feature of science that seems to have been lost: curiosity and our ability to harness it. Beginning in 1995, he inspired in me an interest in work by Roger Stringham, involving sonofusion. … Countless examples exist about the impact of Eugene’s admonitions. He inspired other people, not only to be creative, honest, and sincere, in areas related to Cold Fusion, but, in other contentious areas of science. He created in all of us who knew him a desire to be creative about the things in life that really count: sincerity, seeking the truth, and being true to ourselves. Eugene Mallove not only stood for all that is great about science, and journalism, but in life. Most of all he believed in the truth, seeking the truth, and being sincere about seeking the truth. His loss is not only a loss for me, as a friend, but a deeper loss, for humanity as a whole.”

Roger Stringham, sonofusion theorist, IE author:

“Gene was special – his loss affects us all in different ways. I was proud to have known him. His involvement in the New Energy movement was his gift to the world. I will not forget his help.”

Christy Frazier, Managing Editor of Infinite Energy Magazine:

“… Gene’s loss is felt daily at the New Energy Foundation and in the field as a whole, but his unending enthusiasm for this work during his life encourages the Foundation and other colleagues to move forward. Gene served as a main contact for scientists, consumers and the media who were interested in new energy and cold fusion. As a testament to Gene’s relationship with new energy supporters, an anonymous donor provided funding to establish the Eugene F. Mallove Fund for New Energy Research at Portland State University; other individuals formed the donor-funded Eugene F. Mallove 1969 Fund at Gene’s alma mater, MIT, for scholarships for students working in the energy field.”

J. Douglas Kenyon, editor of Atlantis Rising:

“… to say that we were shocked would truly be an understatement. … We at Atlantis Rising had felt a special kinship with Gene. His own publication, ‘Infinite Energy’ which fought to right the wrongs of a corrupt scientific priesthood had been launched not long before our own venture. We also agreed with him that so-called ‘Cold-Fusion’ had been misrepresented and unfairly maligned and we included an interview with Gene and a story on the controversy in our second issue. … Gene was a heretic because he dared to question the doctrines of a physics priesthood interested more in its own power than in the facts. He knew from first-hand experience at MIT that the public had been deceived about the truth of cold fusion research. He never tired of arguing his case, and it seems especially poetic that his final column in issue #46 was entitled ‘Vindication?!’ … ”

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