Can Biden Pass Comprehensive Immigration Reform?

The comprehensive immigration reform has been a popular topic for 2021. This is because of the anticipation of President Joe Biden’s U.S. Citizenship Act of 2021. This is an immigration reform bill promised quite a while ago.

Many consider the U.S. Citizenship Act of 2021 as a progressive bill. It seeks to improve the immigration system and to make it more humane. This gives plenty of hope and opportunity for negotiations with Republicans. The bill is also a signal that President Biden remains true to his words during the campaign.

The real question is, will the bill pass through the current congress? Will any type of comprehensive immigration proposals be in any consideration? Is this bill bringing in a good sign?

What Do You Need to Know About the U.S. Citizenship Act of 2021?

First off, it’s essential to know what are the key points the bill plans to address. This is a bill that was born from the Biden administration. It also includes the Democratic sponsors found in the senate. The House of Representatives is part of it as well.

The U.S. Citizenship Act of 2021 aims to:

  • Provide an earned path towards citizenship
  • Reformation of the immigrant visa system
  • Manage the southern border
  • Addressing root causes in regards to immigration

The bill will further amend, no longer using the term “alien.” The U.S. Citizenship and Immigration Services pushes to use inclusive language. The proposed term to use is “noncitizen” as it is less demeaning.

Will This Bill Likely Pass?

The biggest question in everyone’s mind now is, will it even make it? In a sense, it can still pass through, but not throughout. Like many other bills, it could break down into pieces. Some parts of the bill might push through, while others might go separate ways or moved elsewhere.

The important thing is, the majority of what the bill aims to do will pass through. One of the major topics that the bill touches on is the humanitarian response for asylum seekers. This also includes refugees and hopes to strengthen the initiative for repatriation.

Expanding programs and addressing court backlogs is also part of the U.S. Citizenship Act of 2021. Pinpointing the cause of migration is also part of the bill. The bill is stressing responsibility and proper management of the border.

What Can the Presence of This Bill Fulfill?

A lot of administrations in the past have addressed immigration issues. A lot could change with help from an enforcement priorities memo. This can help immigration judges to decide better when it comes to individual cases. 

What is there to decide? It’s things like granting administrative closure or pausing deportation proceedings. People are looking at the Biden administration and seeing it as a return to the normal times.

Plenty of bans and borders have arisen in the past year that has had the nation divided. With a new administration, it almost feels like a breath of fresh air. As everything happening is under a microscope, many are waiting for what’s next to come. For more information, ask an immigration lawyer in Houston or anywhere near you.

Company Earnings Season – a Guide

There are a lot of aspects to maintaining your stock portfolio. You need to monitor your shares with different companies, to keep an eye on trends, and to follow your risk management strategy. The bustle suddenly picks up as the company earnings season approaches.  

You may find some people preparing to complete massive trades during that time, while others don’t make much of a fuss out of it. So what does earnings season really entail? More importantly, should you also be ready to trade at a moment’s notice? Should you think of derivatives and include CFD trading shares providers such as easyMarkets? Keep reading this guide for a few pointers

When is the earnings season?

Some novice investors may find themselves confused about when exactly earnings season is. Other investors you may know start discussing their shades and trades at different points throughout the year, and you might end up feeling like you’ve missed something.

There are actually four earnings seasons each year. They’re called seasons rather than “earnings days” or “earnings weeks” because different companies have different timetables each season.

As a rule of thumb, an earnings season occurs 2 to 4 weeks after a fiscal quarter ends. Most quarters end in the last week of June, September, December, and March. Companies release data regarding their earnings for the quarter in the following month.

Stock market earnings reports explained

Most companies schedule a conference call with their investors to discuss performance, losses, gains, and strategies for the new year. As a shareholder, you can also find public copies of these records to review on your own.

However, you probably have some questions about the wide array of terms and figures on the report. This explanation details what exactly you should expect and look for on each report. But the bottom line – which is literally the bottommost line of an earnings report – is the quickest reference point for how much profit the company brought in.

That figure is a good guiding point, but it still doesn’t tell the whole story. Check out whether the cost of doing business is going up, what the forecasted growth for the year is, and if the company anticipates any losses.

Planning your trades

As we’ve noted before, you might notice a lot of activity around earnings season. Does this mean you have to trade as well? Not at all. In fact, it’s far better if you plan your trades before reports are released and stick to your plan.

It’s not uncommon for impulsivity and knee-jerk reactions to take over instead of logic. Don’t fall into the trap and expose your account to more risk. Instead, look up the last year’s reports and see if you can identify any trends on your own.

Once you’ve anticipated obvious losses, sit down and do a few calculations. Decide what the bar is for company metrics that are going to cause you to sell. When the earnings reports come flooding it, stick to your strategy and only trade if it makes practical sense.

Deeper Consumer Engagement with an Affiliate Programme

Increasingly, customers want a complete experience from your company, where they can get to grips with what you have to offer, and the services and products that you are offering. Try to cater for as many people as possible, by offering different price points and different ways to buy. Most people do not know what they want until you’ve told them what you have to offer, so you need to encourage customers to ask you questions so you can build a relationship.

Remember that your business is not about you – it is about providing a service or a product to someone, and providing a great experience for them.

One example of this is the healthcare industry which has much to gain from selling products to their customers on the Internet.

Running an affiliate programme for your own business can boost sales quite considerably, with commission-based revenue-sharing structures typically forming part of an affiliate programme working best for business with lower production overheads.

In the long-term, however, for your affiliates to generate the most revenue from the programme, they need to have made an honest effort to bring in more customers in order to build up their resources.

Flexibility and convenience are two of the main advantages of running a affiliate programme for your own business.

As long as your affiliates remain honest and their actions meet the standards of the affiliate programme, you will still earn profits for your own business.

However, although running a programme can be a good way to generate additional income for your business, making sure affiliates fulfil the criteria outlined above is an essential part of the process to keep the programme running smoothly and maintain a profit.

Your affiliates should have a good grasp of the technical aspects of running the affiliate programme. For example, it is essential they understand the affiliate’s niche to be able to spot potential new leads, and be familiar with the most effective techniques to attract customers to their pages.

A good affiliate programme should also be simple to maintain, and your affiliates must be able to keep up with the software you’ve chosen.

Some affiliates might need assistance running the programme to ensure it’s running effectively, and it’s a good idea to choose an affiliate platform that provides support for your business.

Top affiliate platforms include Crazy Egg,, Nestle Pure Life, and Groupon.

When we enter into the world of online casinos, however, we come to expect that each new platform we come across is indeed a 3 minimum deposit casino, meaning it likely operates its very own integrated affiliate programme. For this reason we’d witness the opposite of the practice of businesses and customers effectively passing on their marketing and expansion costs to customers.

This way, they can pass on bigger savings, rewards and promotional bonuses to customers without the hefty and generous value they give of themselves affecting their operations in the slightest of ways. It’s this type of win-win relationship which endears consumers to the brand or platform they’re interacting with.

Interesting Aspects of Co-Working Space Culture

Co-Working Spaces are commonly seen as a main and the most important piece of infrastructure of start-ups and young companies to some extent. As a way to get your own office space and having your own employees all in one go, a co-working space might be a viable option.

As an organisation grows, they might find it difficult to sustain and sustain, the pressure of ensuring that the location they rent out has adequate number of desks is one of the most expensive portions of their budget. Though this is one of the more popular choices of business, it is far from perfect for a multitude of reasons.

Lack of proper infrastructure

One of the key factors for failure of co-working spaces is the fact that they are unable to provide an efficient infrastructure and workspace. There are few companies which try to stay true to the concept of co-working. WeWork is a co-working space that is based in New York and founded by American entrepreneur, Adam Neumann. It has a portfolio of two million square feet of work space that is exclusively meant for start-ups and small and medium-sized enterprises.

Another company that has a lot of experience in offering an efficient co-working space is Dogpatch Labs. It was founded by 20-year-old Greg Gottesman who was a senior student at Columbia University. In May 2018, he sold Dogpatch Labs to WeWork for $42 million.


Co-working is an affordable option for the millennial generation. They can spend anywhere between $200 to $1000 for every square foot of available co-working space. This does not mean that an individual is able to control his co-workers. This does not allow any individual to control the proceedings within his co-working space. Also, there is limited support and 24/7 emergency telephone service that an individual needs in order to take care of their business.

This leads to easy access to the workforce in the most convenient way possible.

Entrepreneurs not able to work full-time

Entrepreneurs are the ones who run a start-up and this kind of works best for them. Working for an organisation while working for yourself will not be an option for them. Due to their inability to use the available space full-time, they would usually not be able to concentrate completely on their business. Some digital age business models are centred on content generation, such as how a blogger might do reviews of new online casinos for a living, earning revenue through advertising on their blog. Does this type of digital entrepreneur need to work in co-working space, for instance?

Low employee retention

If a company has not made the employees of its co-working spaces as its own and also failed to provide adequate support, this might lead to a long-term decline of the start-up. In most cases, the main reason for failure to pay a monthly rent on the location would be employees leaving the company.

There is always a risk of employees leaving the co-working space and the organisation that houses them. In case this is the case, there is little or no support from the organisation. The company has failed to offer an environment that the employees need to have positive business vibes.

Guru Or Business Guru?

A few months ago I took part in a Business World conference in Spain. I had never been to this particular conference before and was really intrigued to see what all the fuss was about. Business World took many of procedures from thirty day procedures down to just 2 or three days; everything was laid out in front of me like a map. There were so many interesting topics, areas of expertise and areas of discussion that I could not keep track of all of it. It was quite a seminar for sure!

We discussed new normal areas such as Business Process Outsourcing (BPO) and Virtual Commerce along with many topics that are still hot topics in business world today. These include: Online Marketing, Cloud Computing, Social Media and Mobile Computing. There were many topics that were new to me such as; Video Conferencing, Mobile VoIP, e-Commerce, Innovative Banking and other areas. These topics are not always brought up in the business world, but when they are these topics can become very exciting and can spur the start of new innovation and change. And it is happening right now! In fact, we are already seeing many businesses that are adopting this new business methodology.

So, let’s talk about what we learned about Business World from my experience. First we discussed the term “As a Verb.” As a verb, this phrase means; to provide value, solve problems or do something that adds value to the life of another. When you use this phrase in the business world, you are actually describing what you did to help another person. It shows the business person as an appreciative partner who sees beyond the transaction or interaction itself.

Next we covered the term “Business Grapher” which simply means a person who analyzes business jargon, business processes and trends. This person uses their findings to create reports, charts and other visual aids. So again, we have a creative business writer here using their creativity to provide value to another party. The key point here is, that they use language, processes and trends they learn while engaging in the creative process to report findings. Again, this is helpful to the company that they work for!

Finally, I’d like to introduce you to the overused phrase “I’m not so Money Wise.” This overused phrase should be avoided, it does nothing to help the speaker to make them sound tired and out of touch with their core competency level. I personally don’t use this phrase much, I prefer to describe people who are financially savvy and more attuned to their core competency. This seems to be a more apt phrase to use if we want our leaders to truly become Money Wise leaders.

In addition, all of the business jargon I mentioned above is only considered overused when used so rarely and in such specific situations. For example, we often say to each other, “What’s your price?” However, rarely do we say, “Your price is my price.” Those are two different situations, and both deserve to be highlighted and discussed because they highlight the true value in our business and in ourselves as human beings.

What does all this talk about overused or tired business jargon really have to do with what you hear about some so called “Guru’s” in the business world. Do you know what I am getting at here? You see, all of the marketing gurus and business gurus out there are merely tools, along with a strategy and a plan to help you reach your desired result. They are not leaders. They cannot lead unless they can back up all of their claims with action.

Therefore, instead of listening to these well intentioned and very intelligent sounding phrases, why not consider instead how you can become a leader by doing just what I just mentioned. That is, by simply putting forth a plan and implementing it with action. If you implement that same simple strategic plan, then you can be sure that you will indeed become a guru.

How to Finance Small Business Loans Online

A business loan is simply a loan in general, designed for business purposes. As with other loans, however, it also involves the creation of an indebtedness, which is to be repaid with additional interest. It is for this reason that business loans require careful scrutiny.

Like most other forms of secured debt, business loans come with terms and interest rates to consider. To borrow money, a borrower has to pledge something as collateral, such as his or her property. The value of the collateral varies according to various conditions, but most business owners find that equity in their home serves as a valuable option. Another option for business owners is to use the equity in their business. Regardless of the security, business loans usually require a loan application, repayment plan and documentation that describe the business and its financial future.

When exploring financing options, business owners often look to traditional banks and small business loans institutions. While doing so can provide some assistance, most such establishments require months of waiting while a credit application is reviewed. In addition, they usually have very high interest rates. This can be frustrating, particularly for those looking to get quick cash. An alternative is to explore the opportunities presented by online lenders.

Online lenders provide a fast way to access capital for small businesses. In many cases, a business owner does not even need to have good credit in order to secure financing. Most lenders will only require that a person have a functioning business with at least one employee. Some lenders may even approve applications without any credit score requirements, provided that the business owners have a business plan to present to them. Lenders will closely examine these plans before providing funding.

Online financing is especially beneficial to small businesses with poor credit. Because these companies typically do not have the means to obtain traditional financing, they may also find it difficult to get an unsecured line of credit from traditional banks. With an online lender, however, a business owner has a number of options when seeking additional funding for expanding their business. Traditional banks are generally not anxious to provide unsecured business loans. The lack of collateral, coupled with the high interest rates associated with this type of loan, makes securing one a greater challenge than it would be with a traditional lender.

If a business owner is unable to get a traditional loan through their bank, many online lenders offer business loans that require no collateral. These loans do require that the borrower have a sound personal credit rating. To obtain such financing, a business owner may need to apply for a unsecured loan from their bank. Most banks require a personal credit check, although some may make exceptions for small businesses. For this reason, if a bank does not approve an unsecured loan, many online lenders offer business loans that require collateral.

Businesses are also able to obtain working capital loans without the need for collateral. Working capital loans are short-term loans that are used to make day-to-day business expenses and bills more affordable. Working capital loans are very useful for business owners who need money to expand their business. However, these loans often come with repayment terms that are very strict and usually carry high interest rates. Because they are not secured, however, working capital loans can provide a business owner with a great deal of help when a need for immediate cash arises.

Many online lending institutions provide short-term financing for businesses that need fast cash. In many cases, these online lending institutions can provide the best rates and terms available. Interest rates on small business loans can vary greatly depending on the lender. In general, however, small business loans are designed to offer borrowers the lowest interest rate possible. To learn more about small business loans that are available through an online lending institution, contact a local lender today. This is an excellent way to get the financing you need for your business if you are not currently getting the type of financing that you need.

The Intent Automatically Attached to an Officially Registered Business Entity

Whether your ultimate goal is to perhaps get a profitable chunk of a new online casino or if you just want to build up some kind of business portfolio and track-record, registering a business officially and effectively becoming a director affords you various conveniences and freedoms.

Commitment to expansion

Companies which have incorporated, are often perceived as more focused and invested in the business. This, as well, means that they are more likely to commit to expanding and growing their operations.

 Increase your liability protection

In the event of a business, or property loss, in addition to being the owner of the business, you are now also considered liable.

Build your brand

Being a founder of a company, gives you a say, in the development of the company’s brand, which can be positive and potentially rewarding for your personal brand.

Direct it

Being a founder, gives you more freedom to direct and create the company’s future direction, and activities. It also allows you to receive certain benefits, such as bonus bonuses, stock options, and the ability to increase and decrease your monthly investment amount.

Make the company a separate entity

Being an owner, means that your company is now considered a separate entity. It is no longer a direct subsidiary of you, or a subsidiary of your personal business.

Removal of common business barriers

The legal status of the company will also remove or mitigate the common barriers that commercial organisations face, such as requiring a set of financial reports, with information on the company’s activities, revenue, expenses, and any other financial information.

Keeping control of the company

This is especially important for personal investors and entrepreneurs. If you hold the company under your personal name, then you will be prevented from giving your company to your spouse or children, or anyone else you would like to. As a result, your personal assets and personal rights, would be compromised.

Reduce tax implications

If you are an investor in the company, you can be exempt from paying any corporate income taxes on profits, as a shareholder.

Reduce administrative costs

The incorporation of a company, eliminates or reduces administrative costs.

Receive a share of company profits

Tax advantages aside, incorporating a business, can also give you a share in the profits, and the growth of your business. In this way, you also gain some extra motivation, to continue the business, and improve its operation, and customer base.

Ability to attract and retain employees

While many small business owners and entrepreneurs believe that they cannot attract and retain employees because of their own personal constraints, or constraints, the company status, gives you the opportunity to access, and attract, employees, and potential employees, who are not focused on the personal issues, but the business aspect of it.

Increased liquidity

There are times, when you may need extra cash, and you can use the incorporation of a business, to secure financing, for your business needs.

Lower tax obligations

There are times, when you may be taxed at a lower tax rate, because your income is being classified as company profits.

Lessors for business equipment

One advantage of being a company, is that you can lease equipment, and other business assets from other companies or individuals.