Know Your Move: 5 Effective Ways to Get a Successful Mortgage

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Applying for a loan might be difficult for some people, especially for first-time applicants. People who are planning to apply for a loan for the first time often get confused or nervous because they don’t know what to do to get a successful loan. Knowing this kind of matter is a big advantage for anyone who wants to have strong credit.

Loans are a critical factor, especially for those who don’t have enough saving to start a business or fund an investment. People who apply for loans need to follow specific steps for them to be successful in applying for a mortgage. If you want to know more about this matter, you can try following these 5 efficient ways to get a successful loan.

Work On Your Credit Score

The first thing you have to do is to work on your credit score for you to get a successful loan. You have to make sure that your credit report is always accurate and that you don’t have bad records in the past for you to be able to apply for a loan. Lenders will be checking your credit score to see if there’s any problem in your application.

You can check your credit score in some sites for you to get an idea of what is its current status. If you’re interested in applying for a mortgage, you can try searching the web for some reliable sites. You can also try calling companies such as Pinsky mortgage brokers in Vancouver and some other companies for further details.

Budget Your Money Well And Paying Your Debts

Money lending company will not approve your application once it sees that you’re incapable of paying the monthly payments. Lenders will also check your bank statements to see if you’re paying your debts regularly. Paying your debts on a regular basis is a big yes for money lenders as they’ll know that you’re a responsible person.

Budgeting your money well is also a good move for you to save up money. Extra saving can be used to pay off some of your debts so that when a company is going to assess your credit score, they will know that you’ve been paying your bills on time with no delays. Paying debts and saving money are two of the things you should always do.

Organize the Papers Needed For Application

Organizing things is always a good move. In this way, applying for a loan will be much easier because you won’t have to worry about anything since you made sure that everything is arranged and set in the first place. You will be asked to bring in some necessary papers as part of your requirements. Organizing everything will make your application much more accessible and much more relaxed.

You will need to prepare your ID, proof of your address, passport, and driving license. Make sure that everything is up to date and correct. They will also check your payslips and bank statements. Everything needed is legal so if you’re planning to get a mortgage, make sure all your papers are organized and updated.

Talk And Hire Experts

Asking advice from experts can be a big help in applying for a loan. Knowing the right steps can help you make things easier. Look for a mortgage broker to assist you in this kind of matter. Brokers like these are also known as financial advisers. Having your mortgage broker can improve your chances of being approved in the loan application you applied.

Mortgage brokers do their best to give you the right rates that will suit your budget. They will guide you throughout the process. They check first if your financial status is stable before giving you any recommendations.

Keeping Things Steady

Lending companies like applicants who have stable financial resources. They see into account if you’re easy to track, you’re stable, and if you’re reliable. If you want the application to be successful, you only need to have a stable and suitable job. You also have to be truthful in your accounts, without having any delinquencies.

You should plan everything first before applying for one. You should always make sure that you won’t have to worry about anything in the future before you decide on taking a loan. Being responsible and reliable at the same time can help you achieve the loan you’re aiming.

Takeaway

Applying for a mortgage or any form of loan might be a little hard at first. Hence, you have to make sure you’re ready enough to take on big decisions like these. You should also consider asking for help from your family and friends for you not to worry too much in applying for a loan.

Being responsible is also the key for you to be successful in applying for a loan. Always pay your debts in time and make sure you don’t have any bad reputations when it comes to matters like this to make your application much more manageable.

The Conceit Behind California’s Bad Idea to Tax Text Messages

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State bureaucrats are moving to impose a texting tax on California residents in the name of providing mobile services to the poor.

California routinely makes national headlines for its big government policies. This week is no different, as bureaucrats move to impose a texting tax on state residents in the name of providing mobile services to the poor.

In a November proposal by the California Public Utilities Commission, Commissioner Carla J. Peterman laid out the “proposed decision” exploring the potential effectiveness of the tax.

According to that 52-page report, California’s budget continues to increase even as tax revenues fall:

“A review of California’s total reported intrastate telecommunications industry revenue, which is used to fund universal service, shows a steady decline in revenue from $16.527 Billion in 2011 to $11.296 Billion in 2017. At the same time, California Public Purpose Program budgets show a steady increase from $670 million in 2011 to $998 million in 2017…”

California’s Public Purpose program, which adds a surcharge to consumers’ bills for utilities like gas in order to provide universal services to those who can’t afford them, would be tasked with facilitating the proposed text tax. And though the analysis refers to “industry revenue,” the funds would come from taxing individual wireless customers.

Mercury News, a San Jose-based news outlet, noted that while it is still unclear how much consumers would be forced to pay, the fee would “likely would be billed as a flat surcharge per customer” as opposed to a per-text rate.

While the Commission’s analysis acknowledges opposing arguments—including carrier companies’ assertions that the tax “would not preserve and advance universal service because it does not broaden the base of universal service consumers”—the commission ultimately advocated the additional tax burden.

Parties supporting the collection of surcharges on text messaging revenue argue that it will help preserve and advance universal service by increasing the revenue base upon which Public Purpose Programs rely,” they write. “We agree.”

Business advocacy groups like the Bay Area Council, the California Chamber of Commerce, and the Silicon Valley Leadership Group estimated that the proposed tax could generate $44.5 million in tax revenue per year. However, “they add that under the regulators’ proposal the charge could be applied retroactively for five years—which they call ‘an alarming precedent’—and could amount to a bill of more than $220 million for California consumers,” Mercury News reports.

“It’s a dumb idea,” said Jim Wunderman, president and CEO of the Bay Area Council business advocacy group. “This is how conversations take place in this day and age, and it’s almost like saying there should be a tax on the conversations we have.”

Wunderman also questioned the necessity of additional taxes, referencing California’s current budget surplus:

“While perhaps well-intentioned, the specific programs that the commissioners are hoping to fund with your tax dollars already has around $1 billion to spend. These programs are not in need of greater funding from texting or any other source, and even if they were, there is already an approved, transparent process at the commission to raise the necessary funds without the need to create new taxes.”

Further, the proposed fees make even less sense considering the rise in popularity of internet-based messaging services like Facebook Messenger, Skype, WhatsApp, and Telegram, which would not be subject to the tax. In fact, the tax could very well push consumers further toward these internet-based apps to avoid extra costs.

The November document is not legally binding, but it does assert the Commission’s alleged power to impose a texting tax.

Whether or not the proposed tax becomes actual policy come January, the simple fact that it has been suggested at all illustrates the misguided yet pervasive belief in California that government omnipotence can create prosperity.

It’s precisely this type of thinking that has caused the Golden State to squander one of the largest economies in the world, driving away businesses and individuals alike and inflating costs of living with the imposition of convoluted, interventionist policies. Because of restrictive zoning laws and bureaucratic regulations that make housing inaccessible to the middle class and the poor, for example, California continues to claim the highest rate of poverty in the country despite the billions of dollars it spends on welfare and social services.

Despite the best—and heavy-handed—efforts of politicians and bureaucrats, the people they claim to represent continue to suffer under their policies. This should all come as no surprise. As economist Friedrich von Hayek observed:

“To act on the belief that we possess the knowledge and the power which enable us to shape the processes of society entirely to our liking, knowledge which in fact we do not possess, is likely to make us do much harm.”

COLUMN BY

Carey Wedler

Carey Wedler

Carey Wedler is a video blogger and Senior Editor for Anti-Media.

EDITORS NOTE: This column with images is republished with permission.

The Case for Privatizing Social Security Just Got Stronger

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A new OECD report highlights some of the economic benefits of private retirement systems.

The world is in the middle of a dramatic demographic transition caused by increasing lifespans and falling birthrates.

One consequence of this change is that traditional tax-and-transfer, pay-as-you-go retirement schemes (such as Social Security in the United States) are basically bankrupt.

The problem is so acute that even the normally statist bureaucrats at the Organization for Economic Cooperation and Development are expressing considerable sympathy for reforms that would allow much greater reliance on private savings (shifting to what is known as “funded” systems).

Countries should introduce funded arrangements gradually… Policymakers should carefully assess the transition as it may put an additional, short-term, strain on public finances… Tax rules should be straightforward, stable and consistent across all retirement savings plans. …Countries with an “EET” tax regime should maintain the deferred taxation structure… Funded, private pensions may be expected to support broader economic growth and accelerate the development of local capital markets by creating a pool of pension savings that must be invested. The role of funded, private pensions in economic development is likely to become more important still as countries place a higher priority on the objective of labour force participation. Funded pensions increase the incentive to work and save and by encouraging older workers to stay in the labour market they can help to address concerns about the sustainability and adequacy of public PAYG pensions in the face of demographic changes.

Here’s a chart from the OECD report. It shows that many developed nations already have fully or partly privatized systems.

By the way, I corrected a glaring mistake. The OECD chart shows Australia as blue. I changed it to white since they have a fully private Social Security system Down Under.

The report highlights some of the secondary economic benefits of private systems.

Funded pensions offer a number of advantages compared to PAYG pensions. They provide stronger incentives to participate in the labor market and to save for retirement. They create a pool of savings that can be put to productive use in the broader economy. Increasing national savings or reallocating savings to longer-term investment supports the development of financial markets. …More domestic savings reduces dependency on foreign savings to finance necessary investment. Higher investment may lead to higher productive capacity, increasing GDP, wages and employment, higher tax revenues and lower deficits.

Here’s the chart showing that countries with private retirement systems are among the world leaders in pension assets.

The report highlights some of the specific nations and how they benefited.

Over the long term, transition costs may be at least partially offset by additional positive economic effects associated with introducing private pensions rather than relying solely on public provision. …poverty rates have declined in Australia, the Netherlands and Switzerland since mandatory funded pensions were introduced. The initial transformation of Poland’s public PAYG system into a multi-pillar DC approach helped to encourage Warsaw’s development as a financial centre. …the introduction of funded DC pensions in Chile encouraged the growth of financial markets and provided a source of domestic financing.

For those seeking additional information on national reforms, I’ve written about the following jurisdictions.

At some point, I also need to write about the Singaporean system, which is one of the reasons that nation is so successful.

P.S. Needless to say, it would be nice if the United States was added to this list at some point. Though I won’t be holding my breath for any progress while Trump is in the White House.

This International Liberty article was republished with permission.

COLUMN BY

Daniel J. Mitchell

Daniel J. Mitchell

Daniel J. Mitchell is a Washington-based economist who specializes in fiscal policy, particularly tax reform, international tax competition, and the economic burden of government spending. He also serves on the editorial board of the Cayman Financial Review.

EDITORS NOTE: This column with images is republished with permission.

Our Ignorance of Socialism Is Dangerous

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A recent Victims of Communism Memorial Foundation survey found that 51 percent of American millennials would rather live in a socialist or communist country than in a capitalist country. Only 42 percent prefer the latter.

Twenty-five percent of millennials who know who Vladimir Lenin was view him favorably. Lenin was the first premier of the Union of Soviet Socialist Republics. Half of millennials have never heard of communist Mao Zedong, who ruled China from 1949 to 1959 and was responsible for the deaths of 45 million Chinese people.

The number of people who died at the hands of Josef Stalin may be as high as 62 million. However, almost one-third of millennials think former President George W. Bush is responsible for more killings than Stalin.

By the way, Adolf Hitler, head of the National Socialist German Workers’ Party, was responsible for the deaths of about 20 million people. The Nazis come in as a poor third in terms of history’s most prolific mass murderers. According to professor Rudolph Rummel’s research, the 20th century, mankind’s most brutal century, saw 262 million people’s lives destroyed at the hands of their own governments.

Young people who weren’t alive during World War II and its Cold War aftermath might be forgiven for not knowing the horrors of socialism. Some of their beliefs represent their having been indoctrinated by their K-12 teachers and college professors.

There was such leftist hate for Bush that it’s not out of the question that those 32 percent of millennials were taught by their teachers and professors that Bush murdered more people than Stalin.

America’s communists, socialists, and Marxists have little knowledge of socialist history. Bradley Birzer, a professor of history at Hillsdale College, explains this in an article for The American Conservative titled “Socialists and Fascists Have Always Been Kissing Cousins.”

Joseph Goebbels wrote in 1925, “It would be better for us to end our existence under Bolshevism than to endure slavery under capitalism.” This Nazi sentiment might be shared by Sen. Bernie Sanders, I-Vt., and his comrade Rep.-elect Alexandria Ocasio-Cortez, D-N.Y. Goebbels added, “I think it is terrible that we and the communists are bashing in each other’s heads.”

When the tragedies of socialist regimes—such as those in Venezuela, the USSR, China, Cuba, and many others—are pointed out to America’s leftists, they hold up Sweden as their socialist role model. But they are absolutely wrong about Sweden.

Johan Norberg points this out in his documentary “Sweden: Lessons for America?” Americans might be surprised to learn that Sweden’s experiment with socialism was a relatively brief flirtation, lasting about 20 years and ending in disillusionment and reform.

Reason magazine reports:

Sweden began rolling back government in the early 1990s, recapturing the entrepreneurial spirit that made it a wealthy country to begin with. High taxation and a generous array of government benefits are still around. But now it’s also a nation of school vouchers, free trade, open immigration, light business regulation, and no minimum wage laws.

School vouchers, light business regulation, and no minimum wage laws are practices deeply offensive to America’s leftists.

Our young people are not the first Americans to admire tyrants and cutthroats. W.E.B. Du Bois, writing in the National Guardian in 1953, said, “Stalin was a great man; few other men of the 20th century approach his stature.” Walter Duranty called Stalin “the greatest living statesman” and “a quiet, unobtrusive man.”

There was even leftist admiration for Hitler and fellow fascist Benito Mussolini. When Hitler came to power in January 1933, George Bernard Shaw described him as “a very remarkable man, a very able man.” President Franklin Roosevelt called Mussolini “admirable,” and he was “deeply impressed by what he [had] accomplished.”

In 1972, John Kenneth Galbraith visited communist China and praised Mao and the Chinese economic system. His Harvard University colleague John K. Fairbank believed that America could learn much from the Cultural Revolution, saying, “Americans may find in China’s collective life today an ingredient of personal moral concern for one’s neighbor that has a lesson for us all.”

Are Americans who admire the world’s most brutal regimes miseducated or stupid? Or do they have some kind of devious agenda?

COMMENTARY BY

Portrait of Walter E. Williams

Walter E. Williams

Walter E. Williams is a columnist for The Daily Signal and a professor of economics at George Mason University. Twitter: .

RELATED ARTICLE: Sweden’s Ugly Ultraliberalism and the Jews

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EDITORS NOTE: This column with images is republished with permission. Photo: Erik McGregor/Sipa USA/Newscom.

Mr. Trump, Shut Down That Government!

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Once again, we find ourselves in the midst of a political game of chicken between competing views for the future of our country.  And once again, the ones who are stuck in the middle are the American people.

This time, the battle of wills is over the funding of the wall to our southern border.  President Trump wants $5 billion allocated to the wall’s construction.  The Democrats, on the other hand, have said they are wiling to commit $1.6 billion to the wall, and not a penny more.

In the meantime, the nation is being exposed to the reality of an immigration crisis Democrats and the mainstream media said did not exist and now vainly argue is due to the President’s new policies on immigration.

Let’s make one thing perfectly clear; the only reason we find ourselves in the midst of an immigration crisis of this magnitude is because of the decades of ineptitude and incompetence by Congress in not providing the resources and personnel needed to definitively seal the border.

Enter President Donald J. Trump.  President Trump has been one of the few ferocious advocates for border control.  One of his central and most important planks to his platform is the building of the border wall and the definitive eradication of illegal immigration.  In fact, a Harvard/Harris poll from August 1, 2018, showed that 76% of the American people want border security, and with the impact of the images and goings-on related to the Central American caravan, that number has likely crept up even higher.

Amazingly, the Republican members of Congress who are now entering the waning days of their control of all three steeples of power do not seem to have the resolve to push a $5 billion allocation for border wall funding to the president’s desk. The purported reasons are as varied as they are hollow.  We can’t afford it they say.  Walls are a terrible way to maintain security, and there are other, more effective ways of securing our border.

No one is saying that the border wall should be built at the expense of not funding other complementary measures of promoting border security.  Quite the opposite, Congress should be funding every possible avenue designed to help ensure the security and safety of America’s borders.  Why the Republican-led Congress cannot get a bill to the president’s desk designing and funding a permanent, virtually impenetrable solution for our border security inclusive of the construction of an effective wall against southern migrants defies reality.

In the meantime, President Trump, who is one of the few who understands the gravity of this situation, has demonstrated his resolve to see the implementation of effective border security policy by expressing his willingness shutdown the government if the wall is not funded.  The response by some has been to dare him to do it.

Just like during the Obama administration, opponents and members of the swamp have predicted that the earth will end and the skies will rain down fire and fury if the federal government is allowed to go unfunded even for ten minutes. Unfortunately for the doomsayers, we have already seen that the negative effects of shutting down the federal government are not that terrible.  As a matter of fact, about the most visible consequence of the last shutdown was President Obama’s vengeful closure of the World War II memorial in Washington, D.C., at the same time that a group of Honor Flight participants arrived to be honored for their incredible, patriotic service during World War II.

Recognizing that the consequences of a government shutdown are not as harrowing as the swamp and the mainstream media would like us to believe, the next fear-mongering argument to be made is the threat of a political meltdown.  Here again, the doomsayers are wrong.

First, let us recall that the one who closed the government during the Obama era was the Republican Congress.  If anything, even if we were to accept the doomsayers’ political fallout prediction, it was Congress that lost against the President, a fact that actually favors President Trump.

Moreover, as opposed to the shutdown during the Obama administration where the issue was spending, the overwhelming majority of the American public side with the President on immigration reform, and enthusiastically so.  No reasonable observer can cast aspersions to the President’s position on immigration and the urgency with which the issue needs to be definitively resolved.  If a confrontation were to take place, it is the President who is in the position of strength on this issue and positioned to gain.

President Trump is right on immigration, and he should demand cooperation from the Congress, even if enforcing his demand results in a government shutdown.  In the end, he will win, and more importantly, so will the American people.

EDITORS NOTE: This column originally appeared in The Federalist Pages. The featured photo by Andy Feliciotti on Unsplash.

Top 8 Women In Cryptocurrency [INFOGRAPHIC]

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Women in Cryptocurrency?

The following infographic is all about the top 8 women in Cryptocurrency.

  1. Joyce Kim
  2. Perianne Boring
  3. Amber Baldet
  4. Jinglan Wang
  5. Jen Greyson
  6. Fahima Anwar
  7. Meltem Demirors
  8. Raine Revere

This column is courtesy of MrBTC.org.

A Beginner’s Guide to Bitcoin & Blockchain Technology [INFOGRAPHIC]

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Bitcoin and Blockchain Technology:

Interested in knowing about BITCOIN?

Then you are at right place, Bitcoinfy.net provides vivid information about Cryptocurrencies and Bitcoin in detail.

ARE YOU A BEGINNER?

Bitcoinfy.net vindicates brief information about bitcoins from their origin to usage. Checkout this infographic on “A Beginner’s Guide To Bitcoin & Blockchain Technology” to get a detailed information on “What Bitcoin is?, How does it work? & How it’s related to online gambling?”

Infographic by Bitcoinfy.net.

Nancy Pelosi Emailed A ‘Critical Priorities’ Survey. You Won’t Believe What’s In It.

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I am on the Democratic Party email list. I just received a survey from Nancy Pelosi titled “📎 need input. NOT money.” The email states:

I’m coming to you one more time this week to make sure you have your voice heard.

BEFORE MIDNIGHT: Take my critical priorities survey before our new members head to their home districts. I can’t wait to share your thoughts with them. >>

I’ve been able to meet with all our new Democratic members of Congress.

They have inspired me so much, and I’m so ready to work with them to stop President Trump’s agenda and rescue President Obama’s legacy.

And I must be honest with you, in order to make that a reality, I need you with me.

Please, can I count on you to take 3O seconds and share your top priorities with me and all our new Democratic Congress members?

NOTE: While the title states that Nancy is not seeking money, the last question requires you to send money.

It appears from the email that Nancy Pelosi’s and the Democrat’s agenda is to “stop President Trump’s agenda and rescue President Obama’s legacy.”

Here are the “Critical Priorities”:

Which issues do you want our Democrats to know matter most to you right now? (Check all that apply)

  • Restoring the Voting Rights Act and protecting voting rights
  • Protecting DREAMers and immigrants
  • Protecting Robert Mueller and his investigation
  • Continued funding for Medicare and Social Security
  • Protecting our environment and slowing climate change
  • Health care coverage for pre-existing conditions
  • Building on the progress of Obamacare
  • Gun violence prevention
  • A $15 minimum wage
  • The economy
  • LGBTQ rights
  • Preserving President Obama’s Medicaid expansion
  • Making tuition affordable for all

The only questions on the survey that are a priority with President Trump, and Republicans in the House, are funding Medicare and Social Security, Health care coverage for pre-existing conditions and the economy.

All the rest of the critical priorities are for narrow constituencies. It’s interesting that Nancy is still focused on former President Obama’s legacy.

Well, at least there are some things that Nancy is in sync with Republicans and the American people.

A good sign? Or a bad sign?

RELATED ARTICLE: Migrants Chant ‘Si Se Puede’ and Mexican Nationals say ‘No Way Jose’….Out, Out, Out!’

A Smart Move: 5 Salable Kitchen Remodeling Tips Which Will Sell Your Home

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There are always two ways when you decide to sell your home. It’s either you have to go through a real estate broker or do it all by yourself. In most cases, many home sellers do their best researching ways on how to sell their home quickly.

That said, many studies have proven that when you work on selling your own home, improving your kitchen would help a lot. The kitchen produces the most expensive part when selling a house; thus, many home buyers look at this part when prospecting a house to own.

So, to keep that in mind, we’ll take a look at the things which will help you get to sell your home by remodeling and improving your kitchen space. Here are some tips to get you started.

The Kitchen Lighting

Kitchen lighting is the most often forgotten element to improve when remodeling a kitchen. Although this means a little investment, take into consideration that excellent kitchen lighting may enhance your overall kitchen appearance and design.

Michael Holmes, a home renovation expert, suggests that when you use halogen bulbs instead of single pendant lights will create adequate kitchen lighting. Halogen bulbs produce an under unit lighting which is inexpensive.

Open-Up Doors

A game-changing kitchen design which currently develops as a trend these days must have direct access to your patio or back garden. Open up doors in your kitchen adds an extra space for entertainment and dining which generates excellent value for your home upon selling.

Also, when you install bi-folding glass doors on the back wall, it makes your living room and kitchen area brighter.  The glass doors also help you look at the refreshing back garden full of greeneries which will allow every prospective client to fall in love with your property.

Kitchen Island and Built-In Bars

When selling a property, most homeowners opt to install kitchen islands and built-in bars that demand every buyer a lot more interest when prospecting a home to buy. Having a kitchen island is proven as an effective way of dividing your kitchen space.

A study has shown that having built-in bars when remodeling your kitchen generates a lot more searches in home listings and continues to grow every year. Lastly, breaking your kitchen space by installing an island creates space both for cooking and entertaining.

Kitchen Facelift

When you decide to sell your home, remodeling your kitchen also generates the most expensive part. You have to carry every cost and disruption, and sometimes your buyers suggest that they have to stamp their kitchen style.

On the contrary, you may still reduce the cost of remodeling your kitchen but not diminishing the value of your home. You can do this by removing all cabinets and replacing with upper open shelves. It makes your kitchen wall more minimalist which does not cost you more.

Kitchen Countertops

Most home buyers would tend to look for an earthy, elegant, and sleek kitchen counters. They are likely interested in buying your property when they observed that your countertops are made up of fewer maintenance costs such as concrete, solid surface, and choosing a sink to go with quartz countertops.

Likewise, work on matching your backsplash, faucet, and the kitchen sink to your overall kitchen countertops remodel. Additionally, some features like a built-in water filter, pull-out spray faucet, and hot-water dispenser also add value.

Takeaway

When you decide to sell your house at any given circumstance, overhauling and remodeling your kitchen ideally increases the value of your home. It makes your home more attractive to buyers and will surely gain interest to every property investors.

Therefore, it’s a must that you have to work hard and put your full effort into renovating your kitchen space by considering all the tips listed above. In this way, your chances of selling your house and earning a reasonable profit would be a soft touch.

EDITORS NOTE: This column with images is republished with permission.

Timeless Fortune: 5 Rolex Watches Which Makes A Brilliant Investment

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Would you agree with me if I say that watches are excellent investments? When you ask people about what kind of investment they prefer, most would probably talk about gold, diamonds, and real estate.

Most of us don’t know that signature watches are also good investment pieces as their value increases over time. According to a survey, Rolex watches topped the most collected and most invested watch brand among jewelers and brand watch collectors.

So, let’s talk about Rolex watches as investments. Let’s take a view of the best Rolex watches to infuse in 2019 and discover which of them holds the best value.

Rolex Day-Date

The Rolex Day-Date watch was tagged as the most popular Rolex watch. This type of wristwatch showcases a streamlined and light appearance which a lot of buyers and collectors appreciate upon acquisition.

It comprises an 18ct gold which makes it a substantial investment even on resale values. It also has practical functionality and timeless style that appeals to everyone who loves to look classic yet elegant.

Rolex Submariner

When it comes to topping the popularity of Rolex brand watches, you’ll never go wrong with Rolex Submariner. It arrays a sporty, durable, handsome, and sleek appearance. It’s also equipped with 300 meters water resistant function.

Besides, it is the most coveted watch for all shoppers because of its rugged durability and quality.  When you ask a watch collector what Rolex watch does he prefers to buy, probably he ’ll have said the Rolex Submariner.

Rolex Yacht-Master

Talking about an exquisite, enticing blend of appearance, the Rolex Yacht-Master renders an elegant vibe. This kind of watches appeals to many because of its various sizes that fit every women and man alike.

The Rolex Yacht-Master would be identified easily among these five watches because they have bold numbers and large hands. So, it’s easy to read and visible in all challenging situations such as reading the time in a darker place.

Lastly, these watches are made with total quality and built so they can last for a more extended period compared to other signature watches, they hold an incredible investment value. It’s robustness, and timeless appearance also captures the heart of every watch lovers.

Rolex GMT-Master

The Rolex  GMT-Master is every pilot’s best friend. It’s always on-demand because most people who work in aviation purchase and has this watch. It is made with a 24-hour hand rotating in advanced bezels which allows every user to read three distinct time zones simultaneously.

Aside from its obvious usage, this offers an elegant aesthetic look especially when you pair it with casual or formal attire. Its sophisticated design makes every potential buyer look and chases this watch.

Rolex Daytona

The Rolex Daytona offers a state-of-the-art watch item. It is named to honor America’s automobile racing capital which is Daytona. It pitches unique looks inspired from sub-dials in trio racing.

Besides, it is a watch the performs best talking about performance,  luxury, and price speed. These are mostly worn by celebrities which ideally gives enough reason why it’s also a good watch investment. On the other hand, you have to bear in mind that although these watches are remarkable investments, they aren’t immune to wear and tear dangers. For Rolex watch repair visit https://www.jewelrystoresd.com/repair/watches/rolex/ to guide you in taking care of your Rolex watch.

Takeaway

A Rolex watch may be a good investment, but the same as investing in other types of wealth, it takes a lot of expertise so you’ll be able to make real money. Also, they are a good brand choice. However, they’re not a magic ticket which automatically generates money.

Try choosing a Rolex watch that appeals to you best. Once you’ve got into investing in Rolex watches, your odds of gaining a profit by the time you sell it will surely go in your favor.

EDITORS NOTE: The featured photo is by Anastasia Dulgier on Unsplash.

Nearly Half Of American Children Don’t Have Married Parents. Here’s Why It Matters.

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Unmarried couples are having roughly 40 percent of all births in the U.S., marking a trend that may be detrimental to the upbringing of those children.

For the first time in U.S. history, out-of-wedlock births in America are largely a result of cohabitation, according to the United Nations Population Fund 2018 State of World report released Wednesday. Single mothers had nearly 90 percent of out-of-wedlock births in 1968, but that number decreased to 53 percent in 2017, according to the Pew Research Center.

“Compared to children of married parents, those with cohabiting parents are more likely to experience the breakup of their families, be exposed to ‘complex’ family forms, live in poverty, suffer abuse, and have negative psychological and educational outcomes,” according to the Institute for Family Studies (IFS).

Roughly 14 million American adults cohabited in 2007, and that number rose to 18 million in 2016, according to the U.S. Census Bureau. Half of cohabiting couples in the U.S. are younger than 35, according to Bloomberg Quint. Cohabitation has increased about 2,000 percent since 1960, according to the American Enterprise Institute.

Two-thirds of U.S. adults said increasing numbers of single women raising children by themselves was bad for society, according to a 2015 Pew Research Center survey. Nearly 50 percent of those surveyed also said greater numbers of unmarried couples raising children is not good for society, according to Pew.

Children with single parents have the highest rates of poverty followed by children living with unmarried, cohabiting parents, the IFS reported.

Between 2006 and 2010, 23 percent of births to married women were unintended while 51 percent of births to unmarried cohabiting women were unintended. That number rose to 67 percent for unmarried women not cohabiting.

Two-thirds of cohabiting parents split up before their child reaches age 12, while only a quarter of married parents divorce, according to an April 2017 Brookings Institution report.

Over 40 percent of married mothers and fathers have a bachelor’s degree, according to a March 2016 U.S. Census Current Population Survey. Only 8 to 10 percent of cohabiting mothers and fathers with one or more biological child have a bachelor’s degree.

Children living with their biological cohabiting parents are also more than four times as likely to be physically, sexually or emotionally abused as kids living with their married parents, according to the Fourth National Incidence Study of Child Abuse and Neglect.

Married parents are on average older, better educated, and earn more money than their unmarried cohabiting peers. Some scholars have suggested awarding tax bonuses of upwards of $4,000 per child in order to incentivize people to marry before having children.

Since 1990, marriage rates have also continued to decrease, while those that do marry are delaying.

COLUMN BY

Grace Carr

Grace Carr is a reporter for The Daily Caller News Foundation. Twitter: @gbcarr24.

EDITORS NOTE: This column with images is republished with permission. Photo: KidStock Blend Images/Newscom. Content created by The Daily Caller News Foundation is available without charge to any eligible news publisher that can provide a large audience. For licensing opportunities for this original content, email licensing@dailycallernewsfoundation.org.

Did you know President Trump cancelled the pay increase of federal bureaucrats saving taxpayers $25 billion? Should their bloated salaries be cut?

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Democrats are quick to point out “income inequality” in the private sector. But what about income inequality between the private sector and public sector?

Studies have found that the greatest income inequality is between government bureaucrats and private sector American workers. 

In the November 19, 2015 Wall Street Journal column “The Sweet Gig of Being a Bureaucrat” Mac Zimmerman wrote:

The average federal worker’s compensation is worth $119,934, nearly 80% higher than the average in the private economy.

A review of the nation’s capital turns up ample evidence: In a report released last month, Cato Institute budget analyst Chris Edwards calculated that the average federal employee earned $84,153 in 2014—roughly 50% more than the average worker in the private economy. When you include benefits like health care and pensions, the average federal worker’s compensation rises to $119,934—nearly 80% higher than everyone else. “The federal government has become an elite island of secure and high-paid employment,” Mr. Edwards wrote, “separated from the ocean of average Americans competing in the economy.”

Zimmerman goes on to note:

Pay for federal employees has grown significantly faster than for private employees. The percentage difference between the two has doubled in the past 25 years. Federal work is more lucrative than the average jobs in finance, information and professional fields.

Moreover, the number of federal employees salaried at more than $100,000 has grown by nearly 10% in the past five years, to more than 300,000. The 1,000 best-paid federal workers make a minimum of $216,000, with most of the highest echelon working at Veterans Affairs. Employees of little-known agencies such as the National Credit Union Administration and the Farm Credit Administration also top the list.

The total cost to taxpayers of federal wages and benefits clocks in at $260 billion.

Fast forward to 2018 after Mr. Donald J. Trump came to Washington D.C. to “drain the swamp.”

Michael Busler in a column titled “Trump: Reducing federal spending by freezing bureaucrat costs” suggests that President Trump cut the salaries of all federal bureaucrats by 10%. Busler writes:

Trump announced that he was canceling the scheduled 2.1% across-the-board pay increase for federal workers, except for the underpaid military who will see a 2.6% increase in pay.  This will affect about 2.1 million federal workers.  Trump saw that the average federal employee costs the taxpayers almost $120,000 per year.

This should save the federal government about $25 billion.

Busler notes:

According to a study by the Cato Institute, federal government employees earn 50% more than their counterparts in the private sector.  When benefits are added in the differential jumps to 78%.

“In light of our Nation’s fiscal situation, Federal employee pay must be performance-based, and aligned strategically toward recruiting, retaining, and rewarding high-performing Federal employees and those with critical skill sets,” Trump wrote in a letter to the Speaker of the House and the President of the Senate.

Busler concludes that cutting salaries of federal bureaucrats is both warranted and necessary. Busler writes, “Trump should consider a 10% salary reduction for all federal workers.  The fear is that the government may lose some valuable employees. But if they are currently earning 50% more than those in the private sector, the workers are still better off working for the government,  I doubt many would leave their jobs because of a 10% pay cut.”

Do you agree?

RELATED ARTICLE: 4 Key Points to Consider About Trump’s Federal Pay Decision

List of Trump Administration Accomplishments

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If you missed it in the mainstream media here is the official list of Trump administration accomplishments listed on the White House website:

  • Almost 4 million jobs created since election.
  • More Americans are now employed than ever recorded before in our history.
  • We have created more than 400,000 manufacturing jobs since my election.
  • Manufacturing jobs growing at the fastest rate in more than THREE DECADES.
  • Economic growth last quarter hit 4.2 percent.
  • New unemployment claims recently hit a 49-year low.
  • Median household income has hit highest level ever recorded.
  • African-American unemployment has recently achieved the lowest rate ever recorded.
  • Hispanic-American unemployment is at the lowest rate ever recorded.
  • Asian-American unemployment recently achieved the lowest rate ever recorded.
  • Women’s unemployment recently reached the lowest rate in 65 years.
  • Youth unemployment has recently hit the lowest rate in nearly half a century.
  • Lowest unemployment rate ever recorded for Americans without a high school diploma.
  • Under my Administration, veterans’ unemployment recently reached its lowest rate in nearly 20 years.
  • Almost 3.9 million Americans have been lifted off food stamps since the election.
  • The Pledge to America’s Workers has resulted in employers committing to train more than 4 million Americans. We are committed to VOCATIONAL education.
  • 95 percent of U.S. manufacturers are optimistic about the future—the highest ever.
  • Retail sales surged last month, up another 6 percent over last year.
  • Signed the biggest package of tax cuts and reforms in history. After tax cuts, over $300 billion poured back in to the U.S. in the first quarter alone.
  • As a result of our tax bill, small businesses will have the lowest top marginal tax rate in more than 80 years.
  • Helped win U.S. bid for the 2028 Summer Olympics in Los Angeles.
  • Helped win U.S.-Mexico-Canada’s united bid for 2026 World Cup.
  • Opened ANWR and approved Keystone XL and Dakota Access Pipelines.
  • Record number of regulations eliminated.
  • Enacted regulatory relief for community banks and credit unions.
  • Obamacare individual mandate penalty GONE.
  • My Administration is providing more affordable healthcare options for Americans through association health plans and short-term duration plans.
  • Last month, the FDA approved more affordable generic drugs than ever before in history. And thanks to our efforts, many drug companies are freezing or reversing planned price increases.
  • We reformed the Medicare program to stop hospitals from overcharging low-income seniors on their drugs—saving seniors hundreds of millions of dollars this year alone.
  • Signed Right-To-Try legislation.
  • Secured $6 billion in NEW funding to fight the opioid epidemic.
  • We have reduced high-dose opioid prescriptions by 16 percent during my first year in office.
  • Signed VA Choice Act and VA Accountability Act, expanded VA telehealth services, walk-in-clinics, and same-day urgent primary and mental health care.
  • Increased our coal exports by 60 percent; U.S. oil production recently reached all-time high.
  • United States is a net natural gas exporter for the first time since 1957.
  • Withdrew the United States from the job-killing Paris Climate Accord.
  • Cancelled the illegal, anti-coal, so-called Clean Power Plan.
  • Secured record $700 billion in military funding; $716 billion next year.
  • NATO allies are spending $69 billion more on defense since 2016.
  • Process has begun to make the Space Force the 6th branch of the Armed Forces.
  • Confirmed more circuit court judges than any other new administration.
  • Confirmed Supreme Court Justice Neil Gorsuch and nominated Judge Brett Kavanaugh.
  • Withdrew from the horrible, one-sided Iran Deal.
  • Moved U.S. Embassy to Jerusalem.
  • Protecting Americans from terrorists with the Travel Ban, upheld by Supreme Court.
  • Issued Executive Order to keep open Guantanamo Bay.
  • Concluded a historic U.S.-Mexico Trade Deal to replace NAFTA. And negotiations with Canada are underway as we speak.
  • Reached a breakthrough agreement with the E.U. to increase U.S. exports.
  • Imposed tariffs on foreign steel and aluminum to protect our national security.
  • Imposed tariffs on China in response to China’s forced technology transfer, intellectual property theft, and their chronically abusive trade practices.
  • Net exports are on track to increase by $59 billion this year.
  • Improved vetting and screening for refugees, and switched focus to overseas resettlement.
  • We have begun BUILDING THE WALL. Republicans want STRONG BORDERS and NO CRIME. Democrats want OPEN BORDERS which equals MASSIVE CRIME.

VIDEO: Left or Liberal?

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Tell the average American you’re a liberal and they’ll assume you’re on the political left. Yet, leftists and liberals hold very different positions on key issues. In this video, Dennis Prager explains how the tenets of liberalism like a belief in capitalism and free speech have more in common with conservatism than with the identity politics and racial resentment preached by the left.

Click here to take a brief survey about this video.

Invest Your Money Wisely: 7 Tips on Looking for Your Ideal Property Investment

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Property investments are indeed an excellent profit-generating endeavor. That’s why it’s no wonder that many people are now embarking into this business. However, the road to success in property investing doesn’t easily lead you to it. There are rough paths along the way, especially if you don’t know what you’re doing.

When searching for properties to invest, for instance, it’s a must to take heed of the timeless advice from the experts. From thereon, you can be your own guide and make your success. So, here are some tips on how to choose an ideal property investment that will give you the highest returns on investment.

A Property in a Place with Excellent Transport Infrastructure

A property located in an area that has excellent transport infrastructure such as subway systems, bus roads, and smooth private car access is one of the top considerations when looking for a property.

Potential homebuyers and renters don’t want to reside in a suburb or city that doesn’t have these transportation conveniences. Properties located in an area with an excellent transport infrastructure are magnets to homebuyers and renters. So, if you want to have a high return on your investment, you can’t go wrong with this tip.

A Property Near an Educational Institution

Homebuyers or renters, especially students or families who have students, look for a home that has easy access to educational facilities. A property close to schools has high investment value. Thus, if getting high profits is on your mind, you should invest in a property near to an educational institution.

A Property Located in a Bustling Job Market

Property locations that offer employment opportunities are a magnet for tenants and homebuyers. You can look up at the United States Bureau of Labor Statistics to find areas that have a bustling job market for your property investment.

Listening to the news is also a must. If you got wind of any announcement of a big firm moving to a particular area, chances are job hunters will also move to that area. You should see that as an excellent opportunity for you to look for a property in that location.

Property in an Area with Low Crime Rate

Aside from choosing a property in an area with an excellent job market, renters and homebuyers are also looking for a peaceful and secured home. Therefore, it will indeed be an ideal choice if you put your investment in a property in an area with low crime rates and wherein a community is up to initiatives such as neighborhood watch.

Nowadays, crime statistics are easy to access on the internet or in local police headquarters or public library of a particular locality.

A Location with That Will Suit Up Someone’s Lifestyle

It’s essential that you’ll consider the various modern amenities in an area as it’s one of the primary selling points in property investing today. You should check if the place is near to parks, malls, museums, bars, restaurants, and movie establishments.

People are looking for a place wherein they can satisfy their modern lifestyle choices. So if you’re looking for ideal property investment, you should choose a location that can meet their requirements.

Choose the Ideal Type of Property

It’s also a must today that you know what type of property people are seeking. As a comparison, independent houses can provide a property investor with an excellent capital growth while apartments give you a better rental yield.

Most people nowadays have a keen eye on apartments as their choice of residence. However, it’s still crucial that you also consider other factors for you to select what type of property is best to invest your money.

Consult a Property Investment Advisor

In property investing, it will do you good if you consult a property investment advisor to help you look for the ideal property investment. These professionals know the market, and they’ll advise you to utilize your resources as best as they could. Firms like Pyramis Company will be of great assistance for that purpose.

Takeaway

Investing in a real estate property is indeed a profitable business. However, you should familiarize yourself with the tips on how to look for an ideal property investment. The list of advice mentioned above will be a big help for that purpose.