Machine Learning

Some of the bullish factors that drive the gold price are based on the fact that gold is an alternative asset class Gold can be a hedge against currency risk, and a hedge against inflation Gold is also seen as a safe haven asset Gold is a liquid asset, i e it can be sold for fiat currency, at a price that is reasonable and readily available These factors have historically driven the gold price In recent years, the price of gold has been more closely correlated with the price of oil The price of gold has been closely tracking the price of oil for the last decade It is clear that the gold price is primarily driven by the price of oil This brings us to the key question Why will financial markets react badly to gold sell offs? We are in the midst of a geopolitical crisis The price of gold is being supported by the risk of a war in the Middle East Western nations are bombing the Middle East, in an effort to slow the advance of ISIS There is an oversupply of oil. Once the oversupply is realized by f

the highest branch of cedar is the messiah. God will take a portion, a twig, from the top of a cedar tree and plant it on a high mountain. There it will grow mightily into a cedar, and every fowl will live in its branches. All other trees will look to the mighty cedar for guidance. The messiah would not come to destroy the prophets instead he offered continuity and the means to fulfill the law of mose. We have purpose in life because god has a plan for each of us. It is our quest in life to find the purposes and plans god has for us to accomplish. God works may take us to the ends of the world to a people anxious to hear his gospel and to walk in his paths. The lord is king over the hill in zion. The lord is king of kings over his people. --- Send in a voice message: https://anchor.fm/david-nishimoto/message

Among the most troubling findings in the Inspector General's report is the conclusion that FHFA and Fannie Mae continued to utilize the services of law firms they knew were engaging in abusive and illegal actions against homeowners," But Fannie Mae had continued to include the firm on its retained attorney list, while also continuing to use a Bethesda law firm that last year acknowledged filing foreclosure cases with false signatures, according to news reports. https://www.baltimoresun.com/business/real-estate/bs-bz-mortgage-giant-abuses-20111004-story,amp.html the Department of Justice has reached a $16.65 billion settlement with Bank of America Corporation – the largest civil settlement with a single entity in American history ­— to resolve federal and state claims against Bank of America and its former and current subsidiaries, including Countrywide Financial Corporation and Merrill Lynch. As part of this global resolution, the bank has agreed to pay a $5 billion penalty under the Financial Institutions

First and foremost, college students are not saving One reason is that credit cards are so easily accessible And secondly, many students are balancing multiple jobs, which leaves less time to focus on saving WHAT ARE THE RISKS OF CREDIT CARD DEBT? When it comes to credit card debt, there are several risks One of the biggest risks is that you can end up paying exponentially more for an item than you would have if you had saved up for it But credit card debt also has several other risks: A higher interest rate Longer payback time Lower credit score Added stress Negative impact on your financial future HOW CAN YOU DEAL WITH CREDIT CARD DEBT? One of the best ways to deal with credit card debt is to not get into it If you are buying items with your credit card and not paying off the balance immediately, you are carrying a balance, which is debt Start by avoiding any emergency credit card purchases, as they can become a bigger problem than you may realize If you already have credit card debt, y

Thoughts --- Send in a voice message: https://anchor.fm/david-nishimoto/message

Thoughts on debt --- Send in a voice message: https://anchor.fm/david-nishimoto/message

Shackleton believed in the importance of comforts in maintaining morale. Shackleton insisted on healthy diet, exercise, and reasonably safety measures. The play soccer and hockey, raced the dogs, and took long walks. Orde-Lees rode his cherish bicycle and one venture went too far and got lost, after that Shackelton forbad his to ride the bicycle. In order to prevent men from getting lost in the dark, Shackleton order ice mounts be placed around the ship. Frank Hurley place lights 20 feet talk near the ship to light the floes. Shackleton matched personality types with work assignments. This knowledge became especially help when assignments were given to route crew to specific lifeboats in the crossing to Elephant Island. Each team functioned because of the talents and strengths of its crew members. Shackleton brought these talents together in an effective manner. Shackelton wanted to place each man in a long term job that he enjoyed. Shackleton viewed each member of the crew as a human being and form personal

The answer to this question is simple: it was the center of an important trade It was the junction of two trade routes, one east €“west and one north south The latter, which was the more important, was the one that crossed the Isthmus of Tehuantepec It was at this point that the trade from Oaxaca to the region of the Gulf of Mexico was transferred from the Pacific to the Atlantic slope This route had two branches, one of which went to the Gulf of Mexico and the other to the Valley of Mexico The latter was the most important It went through the state of Oaxaca and passed near the site of the city of Oaxaca, the present capital of the state From here it went on to the valley of Mexico, where it made contact with the northern route to the center of Mexico The trade route from Oaxaca to the Gulf of Mexico passed by the site of El Mirador Along this route in pre-Hispanic times passed an important merchandise, cacao It was this trade that led to the founding of the city of El Mirador The cacao tree is a

Today we focus on oil recovery from wells with pressure and viscosity levels that make oil production from these wells uneconomical This creates a market for additives to increase viscosity, increase pressure, and make these wells more economic The future of oil recovery from wells with high pressure and low viscosity is a new generation of additive technology that can be used to increase oil recovery from these wells One technology that can be used to make these wells economic is a new generation of chemical technology that will increase the viscosity of the oil The oil will then have the same flow behavior as the oil found in the reservoir The technology is a new generation of chemical technology that will make the oil behave like the oil found in the reservoir This technology can be used to recover a large percentage of the oil found in wells that are currently considered uneconomic --- Send in a voice message: https://anchor.fm/david-nishimoto/message

WHY WILL DEVELOPMENT OF OIL FIELDS IN SIBERIA BE IMPORTANT INVESTMENTS FOR THE ECONOMY OF THE REGION? The development of the oil fields in Siberia is a very important investment for the economical development of the region The development of oil fields in Siberia will improve the economic situation in the region and will allow to solve the problem of unemployment The country will be able to export natural gas to other countries The development of oil fields in Siberia will also allow to carry out the program of the social and economic development of the region WHAT ARE THE ADVANTAGES AND DISADVANTAGES OF THE DEVELOPMENT OF OIL FIELDS IN SIBERIA? The development of oil fields in Siberia will give rise to the development of the industry of the region, the country and to the increase of the state revenue The development of oil fields in Siberia will be a solution of the problem of unemployment in the region But the development of oil fields in Siberia is accompanied by a number of negative effects such as

WHY HAS THE MARKET IGNORED MONTHLY INCREASES IN FOOD AND ENERGY COSTS The upward path of food and energy prices has been well-documented by the U S Department of Labor and other governmental bodies The yearly changes in the Consumer Price Index for all items since 2000 The CPI for food and energy And it is apparent that the inflation rate for food and energy has been accelerating since 2005 The CPI It includes price increases for foods such as bread, milk, eggs, meats, fish and vegetables It also includes price increases for energy items such as gasoline, heating oil, natural gas and electricity The drawbacks of this methodology are that it doesn't include the often-larger price increases for grocery items such as frozen foods and packaged foods, and it doesn't include the price increases for energy services such as electricity and heating oil The CPI methodology significantly understates the total cost of food and energy items, particularly for low- and middle-income consumers the annual change

The drop in Japanese bond yields has been attributed to investors switching from low-yield bonds in Europe to higher-yielding Japan But analysts say it is also due to the Bank of Japan's aggressive monetary policy, which is aimed at lowering the yen's value to boost exports and reignite inflation Its bond-buying programme has been running for several years https://www.reuters.com/world/asia-pacific/japans-central-bank-keeps-up-yield-defense-focus-bond-buying-schedule-2022-03-31/ Bank of Japan has 6.2 trillion dollars in financial assets portfolio with 72 percent being bonds https://www.reuters.com/world/asia-pacific/japans-central-bank-keeps-up-yield-defense-focus-bond-buying-schedule-2022-03-31/ The programme has been criticised by the International Monetary Fund and foreign investors, who argue that the BOJ may have to sell the bonds it buys to raise capital, thus raising the country's debt levels WHAT HAS THE BOJ DONE TO REVERSE THE CURRENCY'S RISE? The BOJ has said it will continue to buy gover

The Lord is the bride groom. He will receive his bride: the House of Israel, who divorced Him in the past through harlot-like behaviors of disloyalty. The House of Israel was the wife of His youth, having wandered for four-thousand years. The marriage will be epic, and all things will be restored—a love between husband and wife restored—the feelings of the heart extended to each other. The bride groom provides beautiful clothes for the bride. He arranges for a wedding party to go out to meet the marriage party. The bridegroom puts precious jewels on the bride and removes her scorn. --- Send in a voice message: https://anchor.fm/david-nishimoto/message

the exorbitant price of oil was the key factor in the economic collapse of the Soviet Union in the 1980s The world oil price collapsed in 1986 to a low of $10 per barrel by the end of the year The price of oil never recovered in the 80s and then crashed in the early 1990s as the Soviet Union collapsed The Mexican oil price collapsed too in 1986 and then did not recover until the mid 1990s Mexico was in a recession throughout most of the 80s and low oil prices and the debt crisis of 1982 triggered a severe recession that lasted into the mid 1990s The Mexican debt crisis of 1982 and the collapse of the peso in December, 1982 was triggered by the collapse of the price of oil in the year prior to the crisis Mexicos oil production was still huge in the 1980s as the Mexican economy was driven by oil exports, as it was in the 1920s and 30s The Mexican oil price collapsed in 1986 and the government was forced to devalue the peso in December, 1986 by 60 percent and then by another 35 percent Mexico defaulted

I am not a "perma-bear" -- someone who is always predicting bearish events -- but I am a "perma-realist" -- someone who is right more often than wrong Every time I predicted the price of oil would drop, it did I predicted the collapse of oil prices when oil was at $20 a barrel I said the price of oil would drop to $15 a barrel in early 2016 I said the price of oil would drop to $10 a barrel later in 2016, and I said the price of oil would continue to drop to $5 a barrel by the end of 2016 I was right I am now predicting that the price of oil will drop to $2 a barrel in 2022 I am not predicting that the price of oil will go to $2 a barrel overnight I am predicting that the price of oil will drop to $2 a barrel in 2022 because the world is about to experience a massive oil supply glut in 2019 and 2020 If the price of oil is $2 a barrel in 2022, it will be the first time in history that the price of oil has been this low Think of it this way: $2 a barrel is more than twice as cheap as the price of gas

the exorbitant price of oil was the key factor in the economic collapse of the Soviet Union in the 1980s The world oil price collapsed in 1986 to a low of $10 per barrel by the end of the year The price of oil never recovered in the 80s and then crashed in the early 1990s as the Soviet Union collapsed The Mexican oil price collapsed too in 1986 and then did not recover until the mid 1990s Mexico was in a recession throughout most of the 80s and low oil prices and the debt crisis of 1982 triggered a severe recession that lasted into the mid 1990s The Mexican debt crisis of 1982 and the collapse of the peso in December, 1982 was triggered by the collapse of the price of oil in the year prior to the crisis Mexicos oil production was still huge in the 1980s as the Mexican economy was driven by oil exports, as it was in the 1920s and 30s The Mexican oil price collapsed in 1986 and the government was forced to devalue the peso in December, 1986 by 60 percent and then by another 35 percent Mexico defaulted

why are junk bonds growing out of control The explanation is simple The Fed€™s policies are a boon for Wall Street, but the market is simply not getting the money that is being created by the trillions, because of the Feds Quantitative Easing (QE) policies That is, the Fed€™s total assets are near $9 trillion, but most of that is sitting on the books of the Fed and not flowing through the economy https://fred.stlouisfed.org/series/WALCL The Wall Street Journal article notes that, “in the past four years, commercial and industrial loans outstanding is $3 trillion https://fred.stlouisfed.org/series/BUSLOANS?back=https%3A%2F%2Fwww.google.com%2Fsearch%3Fclient%3Dsafari%26as_qdr%3Dall%26as_occt%3Dany%26safe%3Dactive%26as_q%3Dwhat+is+the+total+industrial+loans%26channel%3Daplab%26source%3Da-app1%26hl%3Den Where did the money go? To the top of the economy, where it helps the super-rich get even richer, and makes the stock market bubble bigger than ever As MarketWatchs Rex Nutting notes, €œthe top 1% of hou

China is currently the worlds second-largest economy and is projected to be the largest by the year 2050 Chinas economy is growing at 2% per year and is expected to continue to grow at an average of 2% annually https://data.worldbank.org/indicator/NY.GDP.MKTP.KD.ZG?locations=CN&start=2003 China is now the third-largest destination for U S exports and a major market for Us goods and services, with more than $164 billion in Us goods sold in China in 2020 China is also a major source of imports to the United States, with Us imports from China totaling $450 billion in 2020. Us investors, who are bringing billions of dollars into China, are also contributing to China's rapid economic growth WHY DO MULTINATIONAL COMPANIES DESIRE TO ESTABLISH A CHINA PRESENCE? The Chinese government has made significant changes to its legal and regulatory framework to encourage foreign investment Foreign companies are now permitted to sell directly to Chinese consumers The Chinese government has streamlined the admini

According to the U S Census Bureau, there are more than 5200 credit unions in the United States, with almost 114 million members The average credit union has about $1 billion in assets and 21,000 member https://mobile.creditunions.com/#/6922/blogs/industry-insights/members-by-the-numbers-1q18/ What's in store for the future? In the next five years, the total number of credit unions, their membership and assets will likely increase This may be due to the fact that many of the financial institutions that were deemed "too big to fail" are now in the process of being broken up, with the U Congress currently debating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which is intended to create a new banking system that is less prone to failure The Act will also affect the Us Treasury, which insures all deposits in credit unions up to $250,000 By creating a new system, there will be an opportunity to create a new type of banking institution that is more responsive to the needs of its customers

There is a common perception that renewable energy is an expensive option However, renewable energy is now close to, or even cheaper than, fossil fuel options in a number of countries A report by the US Lawrence Berkeley National Laboratory suggests that by 2020, the cost of solar PV will be cheaper than the cost of onshore wind globally Renewable energy is also becoming more cost competitive as technology advances and economies of scale develop, creating a virtuous circle that will continue to drive down costs The price of oil, one of the main inputs for fossil fuel generation, has increased to more than $114 per barrel creating an incentive for players to switch to renewable sources The current level of subsidies for renewable energy is not expected to be sustainable in the long term However, as the cost of renewable energy continues to fall, the cost of fossil fuel generation will increase as a result of the need for higher taxes to meet climate change commitments Renewable energy is also expecte