Category Archives: Mind & Concious

Barcelona truck attack reportedly leaves at least 12 dead and 80 injured

Thanks;

Published: Aug 17, 2017 4:27 p.m. ET

MW-FS548_barcel_20170817131833_ZHPeople move from the scene after a van crashed into pedestrians near the pedestrianized central thoroughfare Las Ramblas in Barcelona

Officials embark on terrorism investigation

MADRID (MarketWatch) — A popular promenade in Barcelona, Spain, became a scene of panic and devastation on Thursday after a van rammed pedestrians, leaving a dozen people dead and dozens more injured.

The incident took place on Las Ramblas, a long, tree-lined street that is typically packed with tourists and locals, around 5 p.m. local time (11 a.m. Eastern time).

Local media were at one point reporting that hostages were being held at a bar near the scene of the attack by other assailants, but later reports cast doubt on the matter. The Associated Press cited the regional president in reporting that two suspects had been arrested.

The Wall Street Journal, citing the jidahist-activity-monitoring organization SITE Intelligence Group, reported that Islamic State had claimed responsibility for the attack. Spain’s prime minister, Mariano Rajoy, tweeted that terrorists would never defeat a united people who love freedom.

The seaside city was on lockdown in the immediate wake of the attack, with residents told to not leave their homes and many reported to be sheltering inside stores and restaurants and bars that closed the moment news of the attack reached them.

Media reports in Spain and the U.S. indicated the police were treating the incident as a terrorist attack. The police presence on streets in the Spanish capital Madrid, some 600 kilometers southwest of Barcelona, was sharply escalated in the wake of the Barcelona attack.

Nathalie Lezcano Sticchi, a 28-year-old resident of Barcelona who lives near the area, told MarketWatch she had passed the scene of the attack just five minutes before, stepping off the Ramblas to go into a Zara clothing store on a side street.

“When I was on the first floor, one of the guys who was working [at Zara] said, ‘You have to go outside, we are going to close because something is happening at the Ramblas,’ ” Sticchi said in a telephone interview. She said a friend had forwarded her a message from his mother, who had been at Las Ramblas and seen a truck crashing into people.

Sticchi ran to her house, as stores drew their shutters all around her. “People were running everywhere, and no one understood what was going on,” she said, “and I started hearing ambulances.”

Several metro lines were closed in Barcelona, and the area remained sealed off into the evening. Police were urging individuals not to share images of the crash site on social media. They also thanked the media for pixellating images they had chose to use of victims:

Interview Series: Q&A with Dominika Minarovic and Elsie Rutterford, Founders of Clean Beauty Co

THANKS; Pia Ostermann

Published;August 17th, 2017

Euromonitor International is pleased to present an interview with Dominika Minarovic and Elsie Rutterford, Founders of Clean Beauty Co.

Clean Beauty Co started with a shared love for health and wellness. It began with a natural beauty blog, workshops, and a beauty recipe book, which quickly transformed into the launch of beauty products under the brand BYBI, which stands for ‘By Beauty Insiders’, in March 2017.

What made you decide to start Clean Beauty Co?

We saw there was a disconnect between people scrutinising labels and being picky about what they eat, but not applying the same rules to their use of cosmetics. This disconnect made us question the labels of our favourite products, and what we found propelled us to become more educated consumers. We documented this journey across our blog and social media, and Clean Beauty Co was born.

We started sharing beauty product recipes on the Clean Beauty Co platform, which quickly developed into a series of DIY workshops. These workshops started in 2016, and gave us a few hours with our audience to understand their concerns, what they’re thinking about the market, while they are walking away with knowledge and beauty products. We also published our book “Clean Beauty” in January 2017. From then we started seeing revenue coming in even without launching any products. Next came our product range, and we launched Babe Balm and Prime Time in March and May 2017, and we have plans to extend the range this year.

Transparency and integrity are the fundamental pillars of the Clean Beauty Co, which is split across the content and BYBI Beauty, the product arm of the business.

When you talk about the Clean Beauty Company, what does ‘Clean’ mean?

Clean beauty is for us, about stripping away the fluff and pointless fillers found in mainstream beauty products, and formulating with purpose. Every ingredient used has holistic as well as functional benefits, and we find that this philosophy is best aligned with natural formulation, so we don’t include synthetic ingredients in our products.

How important is the online channel to communicate with the consumer?

Online for us is a huge platform to be able to communicate with customers and get them to try our products. People feel much more comfortable buying beauty products online these days. And while there is the element of wanting to touch and smell the product, it is easier, particularly when it is a repeat purchase, to sell online. And this takes us back to our community and how we started, by being content driven. Because when someone learns with us online, and sees that we are not just trying to sell the product but share recipes, content, events and a book with them, they connect with the brand emotionally. I think across the board consumers are moving away from mass production. People are thriving for that connection with the brand, whether it’s researching them or communicating with them, but even knowing that they are produced locally, they have good ethics behind the brand.

Do you think that the demonisation of “unnatural” ingredients could be of detriment to the beauty industry?

Fundamentally, the shift that we’re seeing in the beauty industry as a whole is the demand for transparency. Brands are responding to this by not necessarily re-formulating and making their products more natural, it’s about them being more open about how they produce things. And I think that this demand will mean that brands will have to shift the way that they market and produce their products. But I don’t necessarily think that would turn people off buying beauty products.

Do you think the clean beauty recipe book could encourage cannibalisation of sales of your products?

It probably seems like it doesn’t make a lot of sense commercially that we give away recipes and then try to sell products. We think what worked in our favour, which are two things: firstly, not everyone is going to make their own beauty products; they don’t have time or can’t be bothered. Secondly, what separates us are the two brands with the two offerings which is for one, the book, workshops and Clean Beauty contents that is about very simple recipes that we share and people can make themselves, such as face masks and body scrubs. While the other is the brand product side of it, where we offer products which are not as easy to make, which for us is about driving innovation, by saying natural doesn’t have to be five ingredients or less, natural can be as scientific as mainstream beauty. It can be really unique ingredients and can be about high performance skin care, and feels luxurious.

Have you come across any difficulty in, for instance, legislation?

The issue around legislation is that there isn’t any when it comes to the terms of natural, organic, clean, and green. So it leaves the door wide open for us and what we call ‘green washing’; often bigger brands take advantage of packaging something as natural or organic, when actually it is not and nobody can actually call them out on it. The issue we have is that at the moment there isn’t really in the UK a certification for ‘natural’, but that is about to change. There is an organic certificate from the Soil Association, which is very well respected and has a very rigorous progress.

What are your plans for the future?

We’re focused on skincare, but if anything we will move into colour but that would be hybrid as we would never launch a mascara, for example, rather a tinted version of Babe Balm, or something similar.

That bespoke element is a very nice part of making your own beauty products. The way that we are incorporating this into the BYBI brand is around customising through different products. For example, you may mix the Babe Balm with our Detox Dust, which is going to make a moisturising mask for dryer skin types. As far as the brand’s next few months, we will launch a booster set, little droppers that you can drop into your existing skin care, which will be based on the customer’s skin type, environment, and night and day use.

India celebrates 71st Independence Day – peacefully

Thanks;Asia NEWS network

published:16 Aug 2017 13:42

                        NEW DELHI (The Statesman/ANN News Desk) – Millions poured out of their homes to take part in Independence Day related events across the country. 

India on Tuesday celebrated its 71st Independence Day peacefully, with Prime Minister Narendra Modi declaring that “goli” (bullet) and “gaali” (abuse) cannot resolve the Kashmir problem.

Millions poured out of their homes to take part in events big and small across the country. A shutdown called by separatists affected life in the Kashmir Valley and in some parts of the northeast.

The highlight of the day was Modi’s fourth speech from the 17th century Red Fort where he unfurled the national flag and vowed to build a “New India” minus corruption and terrorism by 2022.

“Security of the country is our priority. Internal security is our priority. Whether it is our oceans or borders, cyber world or space, for all kinds of security India is capable of defeating all such inimical forces,” Modi said amid a dragging border row with China.

He said “bullets” and “abuses” cannot solve Jammu and Kashmir’s problem but love can, urging people to embrace Kashmiris and asking the militants to take to the mainstream.

Beyond India, the day was also celebrated by Indians living abroad. Even the Indian cricket team got into the act at its hotel in Colombo.

Amid clear weather, thousands thronged the Red Fort to listen to Modi. Similar scenes were seen in almost all major venue across the country.

From tricolour marks on cheeks to flag designs printed on T-shirts, from tricolour caps to suits, the Indian flag could be seen everywhere.

Despite persistent tensions, border guards of India and Pakistan exchanged sweets along the International Border in Punjab.

RSS chief Mohan Bhagwat’s unfurling the Indian tricolour at a government-aided school in Kerala’s capital Thiruvananthapuram even after being told by authorities that political personalities are not allowed to do so triggered a row.

Days after over 60 children died in a Gorakhpur hospital, Uttar Pradesh Chief Minister Yogi Adityanath termed the tragedy an “eye-opener” and sought to blame it on encephalitis.

In neighbouring Bihar, Chief Minister Nitish Kumar pledged to provide good governance and not to compromise with corruption.

In Srinagar, Jammu and Kashmir Chief Minister Mehbooba Mufti asked the young to give up guns and stones and also vowed to fight for the state’s special Constitutional status.

Goa Chief Minister Manohar Parrikar ordered a crackdown on rave parties and late-night music events in remote areas of his state.

West Bengal Chief Minister Mamata Banerjee unfurled the tricolour and oversaw a colourful parade at the arterial Indira Gandhi Sarani.

In Bhubaneswar, Odisha Chief Minister Naveen Patnaik suddenly felt unwell while addressing the gathering. Aides later said he was fine.

Independence Day celebrations were also reported from Hyderabad, Shimla, Thiruvananthapuram, Dehradun, Chandigarh, Gurugram, Gurdaspur, Aizwal and other state capitals and major cities.Tulips.jpg

Clooneys to help 3,000 Syrian refugees go to school in Lebanon

Thanks;Riham Alkousaa

Published;AUGUST 1, 2017 / 5:37 AM / 2 DAYS AGO


Cast member George Clooney and his wife Amal leave the Festival Palace after the screening of the film “Money Monster” out of competition at the 69th Cannes Film Festival in Cannes, France, May 12, 2016.

Regis Duvignau

UNITED NATIONS (Reuters) – George and Amal Clooney said on Monday they would help 3,000 Syrian refugee children go to school this year in Lebanon, where the United Nations says 200,000 children are not receiving an education after fleeing the war in neighboring Syria.
The Clooney Foundation for Justice said it has teamed up with Google (GOOGL.O) and HP Inc (HPQ.N) to help the U.N. children’s agency UNICEF and the Lebanese Ministry of Education open seven so-called “second shift” schools for Syrian refugee children.
Lebanon has more than 1 million Syrian refugees, including nearly 500,000 children. It is educating Syrian children in public schools through a “second shift” system of additional afternoon classes exclusively for them.
“We don’t want to lose an entire generation because they had the bad luck of being born in the wrong place at the wrong time,” said Oscar-winning actor George Clooney and international human rights lawyer Amal Clooney, who gave birth to twins last month.
“Thousands of young Syrian refugees are at risk – the risk of never being a productive part of society,” the couple said in a statement. “Formal education can help change that.”
A $3.25 million donation from the Clooney Foundation for Justice, Google and HP will pay for transportation, school supplies, computers, content, curriculum and teacher training.
A spokesman for the Clooneys’ foundation, Max Gleischman, said the organization had decided to support education for Syrian refugees through the public school system, instead of investing in private schools operated by SABIS, an international company which has prepared students for college and high school exams.
The foundation had announced last year that it would work to enroll thousands of children in SABIS schools.
A crackdown by Syrian President Bashar al-Assad on pro-democracy protesters in 2011 led to civil war, and Islamic State militants used the chaos to seize territory in Syria and Iraq. Half of Syria’s 22 million people have been uprooted and more than 400,000 killed.
*Reporting by Riham Alkousaa; Editing by Jonathan Oatis

Three nations plan 500% increase in global offshore wind

Thanks;Sami Grover Sami Grover (@samigrover)

Published;June 12, 2017
When governments put their minds to it, big things can happen.

Offshore wind advocates cheered recently at news that a German wind farm is going to be built entirely without government subsidy. That said, however, it seems likely that government support—whether in the form of direct subsidies or more generally favorable policy/planning policies—is likely to be a major factor in the success (or not) of offshore wind for some time to come.
That’s why it’s encouraging to hear from Steve Hanley over at Cleantechnica that three nations—Germany, Denmark and Belgium—have signed on to an agreement to support a 5-fold increase in installed offshore wind capacity in the next decade. They’re not just talking about their own capacity either; the target is a global one, meaning an increase of capacity from today’s 13.8 gigawatts to more than 60 gigawatts.
Just imagine what would happen if every nation with suitable shoreline made a similar commitment. (I’m looking at you, USA.)
According to Steve, there’s hope that the agreement will eventually be signed on to by a broader coalition of ten nations who had previously pledged their support for offshore wind energy expansion. At least one of those nations, Great Britain, is currently in a state of political and environmental uncertainty as the world waits to see what its surprise election results really mean for government policy.
Either way, with China and India making more progress on emissions reductions than originally expected, France jockeying hard to seize climate leadership, and large swathes of the United States still pledging to honor the Paris Agreement, this is one more encouraging sign among many that a coalition of the willing could keep climate action well on track, even if there are efforts to sabotage progress in other parts of the world.

Retirement: 8 financial choices you’ll regret in 5 years

Thanks; Jeff Rose, Credit.com

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If your goal is getting ahead financially, the formula for success is simple: Maximize tax-advantaged retirement accounts early, boost your savings with a Roth or traditional individual retirement account, choose investments you feel comfortable with and avoid debt like the plague. If you do those four things, you’re bound to enjoy less stress and more wealth over time.

But is it always that easy? Absolutely not. As you move through the various stages of life, you’ll encounter myriad pitfalls and temptations that can knock you off track – some of which can seem like a smart idea at the time.

Speeding toward financial independence is easier when you know which financial choices can slow you down. I spoke to a handful of top financial advisers to get their takes on the most common financial choices their clients live to regret. Here’s what they said.

1. ‘Investing’ in a new car

“At first blush, buying the latest and greatest version of the ultimate driving machine may seem like a value worthy of your hard-earned money,” says California financial advisor Anthony M. Montenegro of Blackmont Advisors.

Unfortunately, new cars depreciate the moment they leave the lot, and continue dropping in value until they’re worth almost nothing. If you finance the average new car priced at more than $30,000 for five years, you’ll pay out the nose for a hunk of metal worth a small percentage of what you paid. (Remember, a good credit score can qualify you for lower interest rates on your auto loan. You can see two of your scores for free on Credit.com)

Pro tip: Buy a used car and let someone else take the upfront depreciation, then drive it until the wheels fall off. Once five years has passed, you won’t regret all the money you never spent.

2. Not watching your everyday purchases

While big purchases like a new car can eat away at your wealth, the little purchases we make every day can also do damage, says Maryland fee-only financial adviser Martin A. Smith. If you’re spending $10 per day on anything — your favorite coffee or lunch out with friends — your seemingly small purchases can add up in a big way.

Keep in mind that $10 per day is $300 per month, $3,600 in a year and $18,000 after five years. While you may not regret your daily indulgences, you may regret the savings you could have had.

3. Not refinancing your mortgage while rates are low

While refinancing your mortgage is anything but fun, now may be the perfect time to dive in. That’s because interest rates are still teetering near lows, says Colorado financial adviser Matthew Jackson of Solid Wealth Advisors LLC.

Even one percentage point can cost you – or save you – tens of thousands of dollars in interest over the years. Since rates will eventually go up, you “don’t want to miss the opportunity now,” says Jackson.

4. Buying too much house

Buying the ideal home may seem like a smart idea, but does your dream home jive with your financial goals?

Unfortunately, buying more house than you need can lead to regret and financial stress, says Vancouver, Wash., financial planner Alex Whitehouse.

“Too much income going to housing payments makes it difficult to fully furnish rooms, keep up with rising taxes, and often leads to struggles with maintenance and utility costs,” notes Whitehouse.

Banks may be willing to lend you more than you can reasonably afford. If you want to avoid becoming house-poor, ignore the bank’s numbers and come up with your own.

5. Borrowing against your retirement account

While you can borrow against your 401K plan with reasonable terms, that doesn’t mean you should. If you do, you may regret it for decades.

“Millennials often ask if it’s okay to access their 401(k) or IRA early (before age 59 ½) to buy a home, travel or pay off debt,” says Minnesota financial adviser Jamie Pomeroy of FinancialGusto.com.

However, there are numerous reasons to avoid doing so.

Not only do you normally have to pay a penalty to access retirement funds early, but you’ll pay taxes too. Most important, however, is the fact you’re robbing your future self. You will regret the lost savings (and lost compound interest) when you check your retirement account in five years.

6. Not using a budget

While many people buy the notion that budgets are restrictive, the reality is different. If used properly, budgets are financial tools you can use to afford what you really want in life.

“I would suggest that you create a budget that you stick to,” says financial planner David G. Niggel of Key Wealth Partners in Lancaster, Pa. “At the end of the year, you have the chance to evaluate your spending habits and make some serious changes if necessary.”

If you don’t, your finances could suffer from death by a thousand cuts.

7. Not saving as much as you can

While it’s easy to think of your disposable income as “fun money,” this is a decision you could live to regret in five years.

The more money you have saved later in life, the more flexibility you’ll have, notes fee-only San Diego financial adviser Taylor Schulte. And if you don’t get serious about saving now, you could easily regret it in the future.

According to Schulte, you should strive to “play it safe” when it comes to your savings.

“I’ve never heard anyone regret having too much money,” says Schulte. “But, I’d be willing to bet we have all heard far too many people complain about not saving enough or not starting earlier.”

8. Not buying life insurance when you’re young

If you are married, own a home, or have children, you need life insurance coverage. Unfortunately, this is one purchase that becomes more difficult – and more expensive – as you age.

If you don’t buy life insurance when you’re 25, you can expect to pay a lot more for coverage when you’re 30, 35, 40 and so on. And if you wait long enough, you may not even be able to buy it at all, says New York financial planner Joseph Carbone of Focus Planning Group.

As Carbone notes, if you develop a chronic health condition before you apply for life insurance coverage, you could easily become uninsurable. To avoid regretting inaction in five or 10 years, most people would benefit from applying for an inexpensive, term life insurance policy as soon as they can.

China sparks human rights outcry by ramping up DNA testing in Muslim-dominated region

Thanks;Matthew Brown 

Published ; Wednesday 17 May 2017 07:34 
Police in Xinjiang purchase $8.7m of equipment to analyse genetic material from citizens, prompting fears of state security crackdown

Ethnic Uighurs sit near a statue of China’s late Chairman Mao Zedong in Kashgar, Xinjiang Thomas Peter/Reuters 

China appears to be laying the groundwork for the mass collection of DNA samples from residents of a restive, largely Muslim region that’s been under a security crackdown, rights observers and independent experts said Tuesday.

Police in western China’s Xinjiang region confirmed to The Associated Press that they are in the process of purchasing at least $8.7 million in equipment to analyse DNA samples.
Observers from Human Rights Watch said they’ve seen evidence of almost $3 million in additional purchases related to DNA testing. They warned such a collection programme could be used as a way for authorities to beef up their political control.
The move comes after Chinese authorities last year reportedly required Xinjiang residents to submit DNA samples, fingerprints and voice records to obtain passports or travel abroad.

Xinjiang borders several unstable Central Asian countries, including Afghanistan. It’s experienced numerous bombings and vehicle and knife attacks blamed on ethnic separatists from the native Uighur Islamic minority.

In one of the most recent attacks, eight people, including three assailants, were killed in a February knife attack in southern Xinjiang’s Pishan County, which borders Pakistan.

Chinese authorities seeking to counter religious extremism among the Uighurs have taken increasingly aggressive steps to quell the unrest. Those have included mandatory satellite tracking systems for vehicles in some areas, rewards for terror-related tips and prohibitions against women wearing veils and men growing beards.

The purchases of DNA testing equipment in Xinjiang were confirmed by an official at the regional Public Security Bureau. The official, who gave only her surname, Huang, said a supplier already had been found. In Xinjiang’s Sheche County, suppliers were being sought for voiceprint collection systems and 3-D portrait systems, according to a security official surnamed Yin, who declined to give further details.
If used at full capacity, the new equipment could be used to profile up to 10,000 DNA samples a day and several million a year, said Yves Moreau, a computational biologist specialising in genome analysis and DNA privacy at the University of Leuven in Belgium.
The scale of the purchases raises “a legitimate concern that Chinese authorities could be planning to DNA profile a large fraction, or even all” of the Uighur people in Xinjiang, Moreau said.

Lawyer for man dragged from United flight isn’t laughing at viral New Yorker cover

Thanks;Mark DeCambre

Published: May 11, 2017 7:13 p.m. ET

David Dao’s attorney says New Yorker magazine illustration minimizes his clients pain, but acknowledges that it’s ‘very clever’


This New Yorker cover playing on FBI Director James Comey’s firing and David Dao’s removal from a United Airlines flight has gone viral.

The New Yorker published a teaser cover of its issue due out May 22, and so far the illustration — depicting Attorney General Jeff Sessions as a police office forcibly removing former Federal Bureau of Investigation Director James Comey down an airplane aisle — has gone viral, scoring rave reviews on social media.

But there is at least one person who isn’t laughing.
The cover art draws a clear parallel between Comey’s stunning firing by Trump earlier this week and Dr. David Dao, who garnered worldwide attention after scenes of him being dragged from a United Airlines flight — captured on cellphone cameras last month — drew swift rebuke from the public and compelled the airline carrier’s parent United Continental Holdings Inc. UAL, -1.51% to reach a settlement with Dao for an undisclosed sum.

Dao’s attorney, Thomas Demetrio, partner at Chicago law firm Corboy & Demetrio, told MarketWatch that the cover art, although “very clever” minimizes his client’s pain and suffering. Dao lost his teeth and suffered a concussion related to his removal from the United flight, according to his attorney.
“It minimizes the Dao event so that’s collateral damage of a magazine trying to make an editorial point. They must feel that Comey’s exit was Dao-ish when in fact it wasn’t,” Demetrio said. “It was a whole different deal.”
http://www.marketwatch.com/video/united-airlines-passenger-violently-removed-from-flight/27C7D045-7F11-4EDD-84EE-FB21316768A1.html

Demetrio said many people have been fired. “They were not injured, and therein lies the distinction.”

Comey’s firing late Tuesday shocked many, particularly since the FBI director was leading an investigation into whether Trump’s advisers colluded with Russia to win the U.S. presidency in November, which led to a big rally in the Dow Jones Industrial Average DJIA, -0.11% and the S&P 500 index SPX, -0.22% and other global markets. That rally in markets over euphoria about Trump’s pro-business campaign promises has since tapered considerably as investors assess the effect Comey’s firing will have on the president’s ability to get new legislation put in place.

How to make money while you sleep

Thanks;Nancy Mann Jackson

Published: May 10, 2017 4:58 a.m. ET

Create passive income streams

Whether you’re trying to pay off debt, top off your emergency fund or invest more, a little extra monthly income can get you there faster.

But there are only so many hours in a day — and maybe adding another side hustle to your busy schedule just isn’t possible. Wouldn’t it be great if you could somehow earn more without working additional hours or hitting up your boss for another raise? That’s what happens when you create passive income streams.

Whether you’re trying to pay off debt, top off your emergency fund or invest more, a little extra monthly income can get you there faster.

But there are only so many hours in a day — and maybe adding another side hustle to your busy schedule just isn’t possible. Wouldn’t it be great if you could somehow earn more without working additional hours or hitting up your boss for another raise? That’s what happens when you create passive income streams.
“Passive income’s great because it increases your cash flow and allows you to save [more],” says financial adviser Craig J. Ferrantino, president of Craig James Financial Services, LLC in N.Y. “The initial effort in some cases is minimal, and you have the ability to collect money on those efforts over a period of time.”

Of course, investing in the stock market can provide earnings over time through market returns and the magic of compounding. But there are also ways to create steady streams of passive income that pay out at regular intervals.

These efforts don’t come without risk. But with careful planning and consideration, you can lower the risks — and initial costs — and increase the potential benefits.

Here are six paths to passive income that may be worth pursuing.

1. High-dividend stocks

When you purchase stock in a company that pays dividends to its shareholders, you’ll start earning a percentage of the company’s profits automatically. For example, if a company pays an annualized dividend of 50 cents per share and you own 500 shares, you’ll get an extra $250 in your pocket — for doing nothing more than being a shareholder. (Most companies pay dividends on a quarterly basis, so you’d earn about 13 cents per share each quarter.)

Certain industries, like public utilities, financial services and oil, tend to pay higher dividends than others, so do your homework with resources like Yahoo! YHOO, +1.31% Finance’s stocks screener or by talking to an adviser.

“If you’re going after dividend income, the sweet spot is not the company that’s currently paying the highest yield, but the companies that are likely to generate growth in dividends in the coming months and years,” says Rob Brown, a Certified Financial Analyst and chief investment officer at United Capital. “Pay attention to what companies and industries are thriving now; they are most likely to raise the dividends they’re paying now in the future.”

You may also choose to reinvest your dividends, which allows you to buy more shares even without spending more money, so you can benefit more when the price rises.

One caveat: Remember that there are risks involved with investing in individual stocks—even ones with high-dividend yield—as the price of the stock can go up or down. You can lower your risk by investing in an index or other low-cost funds, which contains shares of many companies. One option is to look for dividend-paying ETFs, or exchange-traded funds, which are funds that trade like stocks. (Investing apps like Acorns and Betterment use such ETFs and reinvest dividends automatically.)  

2. Bonds

Purchasing bonds can be another good way to earn consistent passive income, though the amount you’ll receive depends on the fluctuating bond market. “Bondholders [usually] receive a check every six months for the interest earned in loaning the entity money, and, in turn, get their principal back at maturity,” Ferrantino explains.

There’s a wide variety of bonds to choose from, including U.S. Treasury bonds, municipal bonds and corporate bonds. Each has its own maturity date, minimum investment, interest rate and payout. For instance, Treasury notes mature in two to 10 years and pay interest semiannually at a fixed rate (currently about 1% to 2%, depending on term lengths, and it is exempt from state and local taxes), while corporate bonds pay taxable interest and can have maturities ranging from a few weeks to 100 years.

Before purchasing bonds, make sure you know what you’re getting into — and what you will get out of it.

Read: How to buy bonds

3. Rental properties

Acquiring and maintaining rental property can require a lot more investment and sweat equity than other types of passive income, both upfront and over the years (if the roof leaks or the boiler breaks down in a rental property, you’re on the hook for it). But rental properties can also provide lucrative, ongoing income for many years to come.

“Rental properties in a market you understand can be a fantastic passive investment,” says Jeffrey Zucker, a seasoned angel investor and property management entrepreneur in Chicago. “I look for large or fast-growing housing markets, where people are clamoring for affordable, nice places.”

Before purchasing a property, Zucker recommends comprehensive due diligence to ensure that you can cover your costs — which likely include insurance, taxes and maintenance — and turn a profit on top of that. You want to invest in a property that will draw continued interest from renters and increase in value.

He also recommends using an experienced property manager. “There are some great property management companies out there that can assist to make leasing out rental properties truly passive mailbox money,” Zucker says. “Having managed our own properties for a few years prior to partnering with a company, we learned the long hours and effort that go into maintaining properties and dealing with tenants — and how much better those who focus solely on this role are at the job.”

4. Rewards credit cards

This might seem like an odd addition — and this is not a strategy to pursue unless you are able to pay off your bill in full each month. However, if you can use credit responsibly and avoid racking up debt, rewards credit cards can provide easy income, thanks to perks like cash-back bonuses. For instance, use a cash-back card for all your household expenses — and pay it off at the end of the month — and you’ll earn money simply by making necessary purchases. (Ferrantino recommends a card like the PenFed Platinum Cash Rewards Visa, which gives you 5% cash back on gas purchases and another 3% for groceries and has a low annual fee. NerdWallet also has a ranking of the best cash-back cards, including several with no annual fee.)

“My rewards have paid for a variety of travel experiences, and I have friends that use their points to pay exclusively for a certain [budget] category, like gas or household bills. It’s nice for them to cross an expense off simply by doing all of their planned spending on the right card,” Zucker says. “Be careful though, as many of the best rewards cards have high interest rates for any carry-over debt.”

5. Peer-to-peer lending

Also known as “marketplace lending,” peer-to-peer lending is the practice of individuals lending money to others in place of a bank or other financial institution. In recent years, platforms like Prosper and Lending Club have made these crowdfunded loans more widely available to borrowers and opened the possibilities for investors.

“New, technology-driven intermediaries have been coming in and replacing banks to make small loans to businesses or individuals, and they offer many comparative advantages,” Brown says.

Remember, though, that while investing through a peer-to-peer marketplace can pay off—Prosper investors, for example, can earn about 5% to 9% annually—there are still risks involved and borrowers may default on their debts. One way to protect yourself, Brown says, is by requiring that borrowers’ credit quality is above a certain level, depending on your appetite for risk. You can also reduce risk by diversifying your investment across many different loans.

6. Renting unused space
The sharing economy is in full force, and if you have extra space in your home or spend a lot of time out of town, you can join in and earn some extra cash. Thousands of people are renting out their homes through Airbnb, and sites like Liquid Space and Breather offer opportunities to place your office or home up for rent during daytime hours. (Airbnb hosts renting a single room in a two-bedroom home cover, on average, a whopping 81% of their rent, according to one report.)

“Any unused space is an asset worth renting out if there is demand in your market,” Zucker says. “[Online marketplaces] offer consumers easy ways to make some extra money on rooms that would otherwise be doing nothing for them.”

CHILD REFUGEES ‘FORCED TO SELL THEIR BODIES’ TO ENTER EUROPE, RESEARCHERS WARN

THANKS:BY  

Published; 4/19/17 AT 7:29 AM

Smugglers are forcing unaccompanied child refugees to sell their bodies in exchange for money to aid their traveling through Europe, a new report from Harvard University has claimed.

There is a “growing epidemic of sexual exploitation and abuse of migrant children in Greece,” say the report’s co-authors, Dr Vasileia Digidiki and Professor Jacqueline Bhabha, at Harvard University’s center for health and human rights.

Informants in Greek migrant camps told Digidiki and Bhabha that men prey on unsuspecting child refugees, sexually abusing those without proper adult supervision. The actual number of children who have been abused is unknown as many do not report it, fearing reprisal.

A psychologist in one of the camps told the researchers: “[Many children] do not want to report [the incident], because they are afraid that the offender will take revenge on them. They also do not believe that the police can help them.”

Unable to afford exorbitant fees charged by smugglers to help them reach European nations where they can seek asylum, children who have fled conflict in Syria, Afghanistan and Pakistan are selling sex to fund their journeys.

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Child refugees at the Moria migrant camp on the island of Lesbos, Greece, September 20, 2016.REUTERS/GIORGOS MOUTAFIS

The report includes an interview with a child refugee who told a journalist: “I never thought I’d have to do something like this. When the money ran out I had to learn to do this. He said “it was the first time I did this, I had no experience.”

The average price of a sexual transaction between a child and a smuggler is 15 euros, the researchers say, adding that the majority of those forced into prostitution are Syrian, Iraqi and Afghan boys.

Offenders, primarily men aged 35 or older, target the children who are found in Athens’ Victoria Square and Pedion tou Areos, a park next to departure areas for buses traveling towards Greece’s northern border.

“There is a reason why these two places have been chosen. They have been key centers for the drug and sex trade for years now. The only difference is the age of people involved. Before you wouldn’t see children. Now you do,” one informant said.

Digidiki told The Guardian that the international community cannot ignore the situation of child refugees in Europe: “We can no longer sit idle while migrant children are abused and forced to sell their bodies in broad daylight and plain sight in the heart of Athens simply to survive.”

“It is our responsibility as human beings to face this emergency head on and take immediate action at every level to put an end to this most heinous violation of dignity and human rights,” she said.