You are receiving this message because you have visited our site and requested to be contacted. If you no longer wish to be contacted, please use the removal link: REMOVE. | | | | This cannabis startup pioneered “rapid onset” gummies | | | | | | Most people prefer to smoke cannabis but that isn’t an option if you’re at work or in public.
That’s why we were so excited when we found out about Mood’s new Rapid Onset THC Gummies. They can take effect in as little as 5 minutes without the need for a lighter, lingering smells or any coughing. Nobody will ever know you’re enjoying some THC.
We recommend you try them out because they offer a 100% money-back guarantee. And for a limited time, you can receive 20% off with code FIRST20. | | | | | | Can the Average Canadian Beat the Wealth Gap? | | | | The Growing Divide in Canadian Wealth Rising inflation, a cooling real estate market, and the economic fallout from the global pandemic have accelerated the widening wealth gap in Canada. Recent data from Statistics Canada reveals a sharp increase in wealth inequality, with the wealthiest 20% of households holding more than 67% of the country’s total net worth, while the bottom 40% hold a mere 2.4%.
As the cost of living continues to climb, Canadians are seeking solutions to protect and grow their financial assets. The challenge lies in finding viable investment strategies that ensure financial security in an increasingly unequal economy.
The Buffett Investment Philosophy: Is It Feasible for Average Canadians? Warren Buffett, often referred to as the Oracle of Omaha, is known for his timeless investment advice: "buy low, sell high." His strategy revolves around long-term investments in undervalued companies, emphasizing patience during market volatility. However, while this approach has been remarkably successful for Buffett, it’s much more difficult for the average Canadian to follow.
The financial resources needed to capitalize on market opportunities, especially during downturns, remain out of reach for many. Wealthier individuals, with greater access to credit and capital, can easily invest in undervalued assets, while average Canadians face significant barriers.
Barriers to Adopting a Wealthy Investor's Strategy High interest rates and tight credit conditions make it difficult for average investors to seize the same opportunities that wealthier individuals can during market lows. Economic downturns shrink credit limits for those with modest financial resources, restricting their ability to borrow against income or property. As a result, while the wealthy take advantage of market dips to grow their wealth, the average investor is often forced to liquidate assets or halt investments altogether.
Broader Economic Implications The growing wealth divide not only hampers individual economic mobility but also threatens broader economic stability. Average Canadians face systemic barriers that prevent them from diversifying their investments or building wealth during financial downturns. Without access to credit or the ability to invest strategically, these individuals become more financially vulnerable, deepening the wealth gap further.
How to Create a Fairer Investment Landscape Addressing wealth inequality requires bold policy interventions aimed at providing equitable access to investment opportunities. Some key steps include: Improving Financial Education: Equipping individuals with the knowledge to navigate the complexities of investing is essential. Financial literacy programs, particularly for younger Canadians, would empower the next generation to make better financial decisions and plan for a secure future.
Expanding Access to Credit: Ensuring that average Canadians have access to fair credit opportunities, especially during economic downturns, would help them take advantage of market opportunities. Lenders should consider long-term financial health, not just short-term income, when setting credit limits.
Restructuring Economic Policies: Policymakers should develop frameworks that protect credit availability during recessions. This could include government-backed loan programs or incentives for financial institutions to maintain lending during economic turbulence, ensuring that all Canadians can benefit from market conditions.
Toward a More Inclusive Financial System Buffett’s investment wisdom may remain sound, but it’s increasingly out of reach for many Canadians. The systemic barriers average investors face during times of economic uncertainty make it nearly impossible to apply his principles effectively. However, with the right financial policies and education in place, there’s potential to level the playing field. Building a more inclusive financial system is essential if Canada hopes to narrow its widening wealth gap and provide opportunities for all its citizens to build long-term wealth. | | | | You missed Amazon. You don't have to again. | | | | | | Amazon, once a small online bookstore, grew into a global behemoth, transforming industries along the way. Now, imagine yourself at the forefront of the next revolution: AI.
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Sign up for Motley Fool Stock Advisor to access the exclusive report. | | | | | | Will New Privacy Laws Crush Small Business Growth? | | | | Small Businesses Thriving on Targeted Ads Entrepreneurs launching niche businesses have found success by leveraging personalized digital advertising platforms like Facebook and Instagram. These platforms allow small brands to compete without needing massive budgets for traditional TV ads, offering a lifeline to underserved markets that big businesses have overlooked.
However, new data privacy legislation under consideration by Congress threatens to disrupt this business model. The American Privacy Rights Act, currently making its way through both the House and Senate, aims to establish a national standard for consumer data privacy and security. While this may sound beneficial, the bill could unintentionally stifle innovation and growth for small businesses that rely heavily on digital advertising.
The Cost of Stronger Privacy On the surface, a national standard for data privacy may seem like a step in the right direction. It would simplify the current patchwork of state regulations, creating a uniform set of rules for businesses. But the model for these regulations, the European General Data Protection Regulation (GDPR), has shown that strict privacy laws can have unintended negative consequences, particularly for small businesses.
The rise of digital marketing has allowed businesses to serve niche markets more effectively, connecting entrepreneurs with consumers who have unique needs. This precise targeting is critical to the success of smaller businesses, which don’t have the resources for broad marketing campaigns.
Who Benefits from Data Privacy Laws? One key issue is that privacy regulations tend to favor wealthier, more educated consumers who are more concerned about data privacy. Meanwhile, consumers from underserved or lower-income groups, who benefit most from personalized advertising, could be left out.
Moreover, as algorithms become increasingly important in targeted advertising, limiting data collection may inadvertently increase discrimination. For instance, without key demographic information, algorithms may be unable to identify and correct biases, potentially worsening inequality in the marketplace.
Innovation at Risk Strict privacy laws also threaten to slow down innovation. Many small businesses owe their existence to the ability to create targeted advertising campaigns on a shoestring budget. Without the ability to leverage detailed consumer data, these businesses may struggle to reach their audience, allowing larger corporations to dominate the market even further.
Interestingly, large corporations stand to gain the most from privacy regulations. With bigger budgets and established brand recognition, giants like Amazon and Walmart can afford the increased costs of customer acquisition brought about by stricter regulations. Smaller companies, on the other hand, may find it harder to survive.
Balancing Privacy and Growth While protecting consumer privacy is an important goal, it’s crucial to recognize the potential trade-offs. Over-regulation could disproportionately harm small businesses and disadvantaged consumer groups. Congress must carefully consider the impact of the American Privacy Rights Act on the ability of entrepreneurs to innovate and thrive in the digital economy. | | | | | | | | | | | 3 Smarter Alternatives to High-Yield Investment Accounts | | | | Better Than High-Yield Accounts: Profiting from Energy With interest rates rising, many are enjoying the benefits of high-yield investment accounts, finally seeing reasonable returns on savings. However, even the best high-yield accounts paying up to 5% annually don’t compare to other investments available today. One such opportunity is in the energy sector, particularly with companies involved in traditional energy production that the world still heavily relies on. For example, one company, Alliance Resource Partners LP (NASDAQ: ARLP), is a key player in the coal industry, supplying around 5% of the global market. It offers a robust 11% yield, far surpassing any high-yield savings account. With steady share price growth, investors in ARLP have seen a total return of 40% in the past year, making it a lucrative option.
Oil Royalties: A Passive Income Powerhouse Another investment delivering greater returns than high-yield accounts involves profiting from oil and gas royalties. Viper Energy Inc. (NASDAQ: VNOM) owns royalty interests in oil and gas fields. Rather than producing oil themselves, Viper profits from royalties when other companies extract resources from their properties. This model allows Viper to pay investors a solid 6% yield, which could increase as market conditions improve. Adding in last year’s share price gains, Viper delivered a 55% return—eclipsing the returns of traditional high-yield investment accounts.
Energy Consolidation: Big Returns in Oil Civitas Resources Inc. (NYSE: CIVI) is another energy investment option outperforming high-yield accounts. Emerging from consolidation in the oil industry, Civitas controls substantial reserves in the Denver-Julesburg Basin and recently expanded operations into the lucrative Permian Basin. Currently offering a 6.5% yield, Civitas is positioned to grow its payouts even further as oil prices rise, making it a highly attractive option for those looking to earn more than the 5% offered by most high-yield investment accounts.
The Bottom Line: Higher Returns with Stock Investments While high-yield investment accounts are paying more than they have in years, they still don’t offer the same potential as these stock investments. Along with dividends, stockholders benefit from capital appreciation—something high-yield accounts cannot provide. For those looking to maximize income and grow wealth, stock investments in energy sectors offer a far better opportunity than even the best high-yield savings accounts. | | | | The Next Big AI Investment: Even Better Than SMCI | | | | The Rise of AI Investments Back in 2020, Super Micro Computer Inc. (SMCI) was a hidden gem in the tech world, flying under the radar while quietly working on data solutions for the AI boom. At the time, SMCI shares were priced under $30, but those who saw its potential have been rewarded with incredible returns as the company’s stock surged over the years, delivering more than 4,000% gains at its peak.
The Secret Behind SMCI’s Success The excitement around SMCI wasn’t just a lucky guess. The rapid development of generative artificial intelligence (genAI) had created an urgent need for better, more efficient data storage solutions. Data centers globally were facing a massive upgrade to keep up with the demands of AI. SMCI capitalized on this need, offering innovative solutions to retrofit data centers for AI’s intensive workload. This foresight paid off, with the stock reaching new heights as the company helped to power AI’s global expansion.
The Future Beyond SMCI While SMCI saw tremendous growth, its stock has recently cooled as investors realized that profits from these large-scale upgrades would take time to materialize. However, there is a new player in the AI space that could deliver even greater returns. This company started preparing for AI’s data needs long before its competitors and is now well-positioned with a near monopoly on the AI data storage market.
A New AI Powerhouse What sets this new company apart is its early adoption of AI-driven solutions and its commitment to investors. Unlike many tech companies, this firm pays out nearly all of its profits to investors, creating a generous income stream. With its early-mover advantage and almost exclusive control of a key AI infrastructure, this stock is poised to outperform even SMCI during its peak.
The "Tollbooth" of AI Data This company operates like a "tollbooth," providing essential data storage access to AI companies—and charging them for the privilege. It then shares these fees with its investors. With $800 million in payouts this year alone, the potential for continued growth and investor returns is staggering. For those looking to capitalize on AI’s explosive growth, this company could be the next SMCI, or even better. | | | | The Most Comfortable Travel Sneakers You Need Right Now | | | | Why Comfortable Sneakers Are a Travel Essential Whether it's a quick getaway or an extended international trip, comfortable sneakers can make or break your day. The right pair ensures endless hours of exploring without the dreaded discomfort that leads to blisters or sore feet. In today’s world, sneakers have evolved from just sports gear to essential travel companions—combining comfort, style, and versatility.
Choosing the Perfect Travel Sneaker Finding the right pair of sneakers for travel isn’t just about looks; it’s about performance. From lightweight materials to cushioned insoles, these sneakers must provide support for long walks while still fitting seamlessly into your wardrobe. Below is a curated list of sneakers that deliver comfort without compromising on style, ensuring you look great while staying comfortable all day.
The Casual Sneaker For those who prefer easygoing, slip-on options, casual sneakers are ideal for busy travel days. These shoes are all about convenience and comfort without sacrificing style. Look for options with cushioned foam insoles that offer both support and a soft landing for your feet.
The Athletic Sneaker Athletic sneakers go beyond just looking good—they are designed to withstand long hours of walking or running. The best ones are lightweight, breathable, and offer superior support to keep your feet happy during those action-packed travel days.
The Elevated Sneaker When style and comfort need to merge, the elevated sneaker comes into play. Perfect for both sightseeing and dinner, these sneakers are versatile enough to match any outfit while offering the necessary support for long days of exploring.
Top Sneaker Picks for Travel Kizik Milan Sneaker: These slip-on sneakers are perfect for those on the go. With ultra-cushioned foam insoles, they are both comfortable and stylish, making them a must-have for any traveler.
Allbirds Tree Runners: Lightweight and breathable, these sneakers are ideal for getting through airport security quickly while keeping your feet cool and comfortable throughout your journey.
New Balance 574 Core Sneaker: A classic choice that balances sporty style with comfort, these sneakers are lightweight and versatile, perfect for both commuting and city tours.
Lululemon Cityverse Sneaker: Combining comfort and style, these sneakers offer 3D molded support and are versatile enough to pair with any outfit—whether it's for a casual stroll or a formal event.
Veja Campo Sneaker: Known for their sleek design and comfort, these minimalist sneakers are easy to break in and ideal for both city adventures and rugged outings.
How to Choose the Right Travel Sneaker When selecting travel sneakers, consider factors like cushioning, breathability, and support. Lightweight materials are key for long days on your feet, while slip-on designs make them convenient for airport security. Finally, versatility is crucial—your sneakers should match various outfits, from casual wear to slightly more formal settings. |
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