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Sabres Capital Issues Biden Personal Finance White Paper

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Biden Sabres Capital

Who is Sabres Capital?

Sabres Capital wants you to invest in your future. The best way to do that: live debt-free. A debt consolidation loan with Sabres Capital is one of the best investments in your future you can make: get out of debt faster, likely pay less interest than you are currently paying, and start saving more immediately.

And remember, you are not alone: Sabres Capital Reviews your debt and finds the best way to pay it off.

Sabres Capital Explains How Biden’s Campaign Promises Will Affect Your Personal Finances

Taxes

Throughout the presidential campaign, Biden has stated his intention of altering existing tax rates.

Proposed changes would mainly impact the wealthiest Americans and large corporations. Biden recommends raising the rate for affluent Americans to 39.6%, up from 37%.

Anyone earning over $400,000 annually will likely lose out on the tax cuts they enjoyed under President Trump, and they’re likely to pay more tax each year. Also, anyone with over $1 million in overall income will probably see taxes hitting their capital gains and dividends, too.

For corporations, Biden proposes to raise corporate tax rates to 28%, up from 21%.

Middle-class Americans earning less than $400,000 a year might see some tax relief, though. Biden claims he will offer refundable tax credits for housing, healthcare, and childcare along with COVID-19 relief.

Sabres Capital Review Gets Thumbs Up For Debt Consolidation

COVID-19

Biden plans to implement major changes to the manner in which the government handles the COVID-19 pandemic. Biden wants more control at the federal level rather than allowing state governments to formulate COVID-19 policies.

The president-elect has started creating a COVID-19 task force. He also plans to release another large stimulus package under the HEROES Act. This proposal would offer each family member another $1,200 in stimulus money, capped at $6,000 per family.

With his “Build Back Better” plan, Biden wants to give entrepreneurs and Main Street businesses both some welcome relief. One goal is to create millions of paid jobs from manufacturing positions through to public health roles.

Tribal, local, and state governments will all receive federal aid to prevent key workers like firefighters or educators from being laid off.

Healthcare

Biden’s intentions for America are not clear.

It’s believed he will rework the ACA (Affordable Care Act), but the Supreme Court hasn’t yet weighed in.

Biden recently labeled this new plan Bidencare, a reworked version of the previous iteration of ACA informally known as Obamacare.

This plan would give Americans a new option for health insurance along the lines of Medicare. This would be rolled out in all 50 states. Citizens offered healthcare by their employer could enroll instead in the Marketplace plan.

Biden also plans to give tax credits to anyone unable to afford their insurance premiums. This would reduce the cost of health insurance to a maximum of 8.5% of a family’s income.

By reducing the cost of prescription drugs, Biden will make these more accessible.

Firstly, legislation will need approval from both the House and the Senate. It’s unlikely that a Republican-run Senate would approve all these changes.

Plans would deeper the federal spending deficit by a further $1.5 trillion. This deficit is already at $3.1 trillion for the fiscal year 2020.

Education

Biden wants to slash the costs of higher education, potentially giving many more Americans the means to attend college.

Tuition

Joe Biden intends to make two-year community colleges and other training programs along these lines free.

Also, students with family incomes below $125,000 would pay no tuition if attending a four-year public university.

Biden also hopes to increase the number of affordable entry points to higher education. His education plan would provide more federal funds to Pell Grants. This allows students to pay for tuition with funds from grants. Beyond this, Biden will incentivize state governments to give students extra financial aid when required for essentials and college supplies.

Loan Forgiveness

Biden’s proposed loan forgiveness program will eliminate $10,000 from the federal loans of all students because of the COVID-19 pandemic.

Another proposal for Biden also involves student loans. The idea is that students would pay just 5% of annual income over $25,000 toward debt. If these 5% payments are made for 20 years, the remaining balances default to $0. Anyone making below $25,000 a year would make no payments at all.

$10,000 of student debt each year would be forgiven for anyone working in national or community service.

The goal of these plans is to dismantle existing barriers to higher education while also reducing the financial burden of anyone struggling to pay off student debt.

Investments

Biden’s presidency is also likely to impact the investment sphere, particularly with regard to stock prices.

Uncertainty during the election caused stock prices to increase nationwide.

With a Biden administration, there could be a spike in renewable stocks, with Biden pushing for more green energy initiatives.

With Biden starting to make adjustments to relief funds for COVID-19 liable to impact the stock market, investors should proceed with extreme caution.

Biden also intends to improve the affordability of housing. This will be achieved through rolling out refundable tax credits for use toward rent and mortgages.

$15,000 of these credits will be available to help with down payments on houses. Biden also intends to boost federal rental aid with the allocation of $10 billion to be used for rental housing for all low-income workers.

The overarching goal is to bring housing costs down to reflect no more than 30% of total income.

Childcare

The aim of childcare is to introduce refundable credits for childcare costs.

Child Tax Credit would be increased for children under 6 to $3600. For children aged 6 through 17, this will be $3000. The credit can be used for childcare, clothing, or food. Payments would be monthly or yearly.

Retirement

Not all of Biden’s mooted changes to retirement will come to fruition with the Senate controlled by Republicans unlikely to agree to any of these proposals. His original plans to increase benefits for the poorest Americans from Social Security, and a lowering of the minimum age for Medicare, down to 60 from 65, would not be sanctioned and are likely to remain unchanged.

A bi-partisan government could agree to enact a plan (Secure Act 2) requiring companies to register employees in 401(k)s.

Biden will need to compromise on retirement ideas if the Senate stays Republican-dominated.

Final Thoughts

The Biden presidency will trigger serious changes to the economy, just like all new presidencies.

If Biden’s plans come to fruition, aid and relief should help students, parents, the middle class, and the unemployed.

Dennis Prager

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Stuart Bienenstock On The Kelly Clarkson Mansion’s Huge Playground For Her Kids

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Kelly Clarksons’ New Mansion has a Huge Playground

Kelly Clarkson’s mansion may have a lot of great rooms and a beautiful interior, but the highlight is the playground. Well, it is for her kids anyway. It has a 1-acre lot which means there is a huge tennis court and a Gunite pool to spend the summers swimming in. There is also a courtyard patio according to the listing.

Who is Stuart Bienenstock?

Stuart Bienenstock can provide professional playground design and planning services that are unmatched. Utilizing both two-dimensional and three-dimensional design software, Bienenstock is able to provide communities with the most accurate and realistic playground designs in the world. A community development board will be able to actually walk through a playground before it is built. Bienenstock’s playground design service is second to none in the playground industry. Stuart Bienenstock understands a playground is an investment, and like any investment proper planning and design are crucial to its long-term success.

Kelly Clarkson’s divorce from Brandon Blackstock has yielded a $5.5 million mansion. It’s a lavish, 5000 square feet mansion located in Los Angeles. Known for winning the first season of American Idol and songs like “Breakaway” and “Stronger”, Clarkson is beginning a new chapter.

Stuart Bienenstock Kelly Clarkson
Credit: Realtor.com

She’s gotten primary custody of her 7-year-old daughter River Rose and her 5-year-old son Remington Alexander. Though Blackstock has visitation rights, he won’t be living in the lavish mansion with them. Kelly Clarkson’s new Mansion was bought after she sold her old Tennessee mansion for $6.3 million.

The old mansion was sold after being on the market for four years. The new mansion costs $5.445 million. Clarkson even listed her California mansion for sale for just under $9 million.

The highlight of the new mansion is the huge playground that her kids will be able to enjoy.

What Else Does Kelly Clarkson’s New Mansion Have?

There is a guest house as well so slumber parties can happen whenever the kids want. There is also a motor court in the mansion. All that means the kids won’t have an unexciting time at the home, that’s certain.

Photos have shown that the tennis court is already being used as a basketball court.

The mansion has other great features including a red brick patio and a 3-car garage. It also has leaded glass windows which peek inside the dining room. There is also a black painted door with transom windows and hardwood floors. The natural color palette of the entire mansion shows that the home is extremely traditional.

There is even a pool and a guest house with its own bathroom and kitchen. Surrounding the estate are two spacious lawns that house a pavilion and a spa.

The mansion has seven bathrooms and five bedrooms and is a gated estate where guests can park in the motor court. There is, of course, a formal dining room that has towering bay windows and French doors. The main living room is straight ahead, with a fireplace and modern light fixtures. It also has coffered ceilings and wooden floors. There is also millwork and plenty of windows.

To the left of the living room, there resides a glass-paneled playroom. It also has a yellow fireplace and wooden floors. The French doors of Kelly Clarkson’s new Mansion open onto the patio. The patio itself is extremely traditional, with a place to sit and look out onto the garden.

The Master Suite in Kelly Clarkson’s New Mansion

The master suite in the mansion is a sight to behold. The master suite has an office and a small kitchen with a fireplace. There are even two walk-in closets that connect to a larger, master bedroom. The other five bedrooms are called ensuites.

The Kitchen and Breakfast Room in Kelly Clarkson’s new Mansion

The kitchen in the new mansion is extremely beautiful. It has a lot of large windows and exposed ceiling beams. It also has a black island with a wooden countertop. This includes white cabinetry with glass panels. The floor is red herringbone brick, which provides a sharp, but warm contrast to the overall interior.

The breakfast room in the mansion is a sight to behold as well. It’s octagonal, which is an odd shape for a room, but this works perfectly. As with the rest of the home, it has large windows which look out to the garden. The breakfast room almost seems like it’s a small church of some kind. As with the rest of the mansion, it has an old-fashioned feel to it. 

The Cellar in Kelly Clarkson’s New Mansion

Of course, a mansion has to have a wine cellar. The cellar can hold at least 1200 bottles of wine, as the video for the property shows. This means that Kelly will have a lot of stock to hold parties here whenever she wants.

What’s the Real Reason For Kelly Clarkson’s New Mansion?

As stated before, this is the beginning of a new chapter in Kelly Clarkson’s life. Not only is she leaving behind her old personal life, but her old professional life too. She had been the host of the Kelly Clarkson Show for over 3 seasons. However, now, she’s slated to replace the most popular morning talk show host in the country.

Ellen DeGeneres is stepping down from her job as the host of Ellen in 2022. Kelly Clarkson is set to replace her. Ellen DeGeneres has found herself mired in controversy due to the treatment of her staff. She was also found to be quite rude and dismissive of certain guests and pushed them to reveal personal details.

This led to the demise of her ‘nice’ image and then to her replacement by Kelly Clarkson. That’s why Kelly Clarkson has moved to Los Angeles. She’s going to be working there full time now. She’s obviously going to be getting a substantial raise to do the show to replace Ellen. Ellen was the successor to Oprah after she retired as the host of the Oprah Winfrey show. Now, Kelly Clarkson will be carrying the baton of the world’s most famous daytime talk show host.

Clarkson also has other responsibilities including as a coach on The Voice. Whatever happens with Kelly Clarkson’s new Mansion, it’s clear that Clarkson is taking her career further and farther. She has been the winner of American Idol, a bestselling artist, and a successful talk show host. Now, she’s moving on into the national spotlight by taking over arguably the most popular talk show in America.

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The Da Vinci Code Review – Dan Brown’s Intellectual Bestseller Comes Alive

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The Da Vinci Code

Tom Hanks Plays Professor Robert Langdon In The Da Vinci Code

The Da Vinci Code is based on Dan Brown’s 2003 theological novel about the quest for the Holy Grail and conspiracies within the Catholic Church. “It opens the door for many spiritual seekers to think afresh about Jesus, sexuality, the Sacred Feminine, and the great mysteries that cannot be contained in dogmas.” according to Scott Cooper Florida Film Critics.

Symbologist Langdon and Sophie Neveu, a cryptologist, meet in the aftermath of a murder at the Louvre Museum. They are then embroiled in a fight between the Opus Dei and the Priory of Sion.

The novel charts an alternative history where the kings of France were descendants of Jesus Christ and Mary Magdalene. This idea was initially raised in The Templar Revelation (Clive Prince, 1997), and also in Margaret Starbird’s books.

Many Christian denominations denounced The Da Vinci Code as an attack against the Catholic Church. The book has also come under fire for inaccuracy. Despite this, The Da Vinci Code has sold over 80 million copies and has been translated into over 40 languages.

There was a 2006 film adaptation.

Da Vinci Code Tom Hanks
Photo Credit: Sony Pictures

The Da Vinci Code Plot

Jacques Saunière is the curator at the Louvre museum, and also the grandmaster of the Priory of Sion. One night, he’s fatally shot at the museum by Silas, an albino monk working on behalf of someone he knows as the Teacher. The Teacher wants to learn where the keystone is located. This is an item vital to the search for the Holy Grail.

Saunière’s dead body is discovered laid out like Leonardo da Vinci’s Vitruvian Man.

Robert Langdon is summoned by the police. Bezu Fache, police captain, asks Langdon, a Harvard professor, to help the police decipher the message Saunière left behind. Included in the message is a Fibonacci sequence that’s not in the proper order.

Langdon explains to the police captain that Saunière was an authority on goddess artwork. He describes how the pentacle Saunière painted with his own blood alludes to the goddess rather than to devil worship, as Fache thinks.

Sophie Neveu is a police cryptographer. She explains to Langdon that she is Saunière’s granddaughter, but that they were estranged. She adds that Fache believes Langdon killed Saunière because the last line in her grandfather’s message read “P.S. Find Robert Langdon, which was meant for Neveu”. This message was meant for Sophie. Her grandfather always called her Princess Sophie (P.S.)

Neveu is troubled by her grandfather’s involvement with this secret group, but she understands that her grandfather wanted Langdon to decipher this code. This leads them to a safe deposit box in Paris at the Depository Bank of Zurich.

Langdon and Neveu secretly visit the bank. They find a box with the keystone. This is a hand-held vault with rotating dials. It’s a cryptex with five labeled dials. When these are correctly aligned, it will unlock the device. If forced open, a vial of vinegar will break and destroy the message inside.

The pair take this object to Sir Leigh Teabing, a friend of Langdon’s. Teabing is the leading authority on the Holy Grail. Teabing explains that the Grail is a tomb that houses the bones of Mary Magdalene rather than a cup.

The three flee on Teabing’s private plane. While on board, they work out the combination of letters and open the cryptex. Inside, there’s an even smaller cryptex containing another riddle. This clue leads them to Isaac Newton’s tomb in Westminster Abbey.

As they fly to Britain, Neveu reveals that it was witnessing a spring fertility rite on her grandfather’s country estate that caused the rift between them.

When they arrive at the Abbey, Teabing is revealed as the Teacher, the man Silas is working for. He wants to use the Holy Grail to bring down the Vatican. Teabing forces Langdon to solve the password to the second cryptex at gunpoint. He opens the cryptex, removes the contents, and throws the empty device up in the air.

Fache arrests Teabing after realizing that Langdon is innocent. The police find Silas in an Opus Dei Center. He kills Bishop Aringarosa accidentally and then dies later himself, also from a gunshot wound.

The message inside the second keystone takes Langdon and Neveu to Rosslyn Chapel. Here, they find Neveu’s long-lost brother working as a docent. The guardian of the Chapel is Neveu’s estranged grandmother.

It is then revealed that Sophie and her brother descend from Jesus and Mary Magdalene.  Her identity was hidden by The Priory of Scion.

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Orioles Funding Reviews How To Safeguard Your Personal Finances In A Recession

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Orioles Funding Review

Who is Orioles Funding?

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Orioles Funding knows that paying off your unsecured debt is one of the best investments you can make. An Orioles Funding consolidation loan allows you to pay less interest, get out of debt faster, and start focusing on other goals… Like building a savings account, college fund, or a big family vacation. We are real people who want to make your life better. Live a debt-free life with a review of Orioles Funding.

Orioles Funding debt consolidation

Recessions are not common occurrences, so it’s natural if your first instinct is to panic when the threat of recession looms.

Any period of notable economic decline that endures for at least two consecutive financial quarters qualifies as a recession.

A declining economy impacts various areas from income and employment to retail sales and manufacturing. Recessions also negatively impact the GDP (gross domestic product) growth rate. This reflects the market value of goods and services.

Now, while you shouldn’t panic about a recession on the horizon, you certainly shouldn’t ignore it either.

Orioles Funding Shares Some Simple Ways You Can Prepare Yourself To Better Weather The Pandemic-Induced Storm.

1) Build an Emergency Fund

Job losses are commonplace during periods of recession. Some industries will be more acutely affected than others.

Whether you feel like your job is in jeopardy or not, it’s a smart move to start building an emergency fund.

To achieve this, you can start by minimizing expenditure. Scale down luxuries like eating out, traveling, and entertaining.

You should aim to accumulate 6 to 12 months of living expenses. In the event of job loss or needing to pay more for medical bills or other benefits, an emergency fund to draw on will give you the breathing space you need until the economy bounces back.

2) Get Yourself a Side Hustle

When the economy slows down, it’s a great time to secure a side hustle. Money earned from side gigs can be used to swell your emergency fund.

If you lose your job in a recession, having a side hustle to fall back on will also provide you with at least some income until you get back on your feet.

Consider freelancing. Many microsites allow you to sell a variety of services to a market of willing buyers. Think about consulting work if you have marketable skills. Research any ways you can create extra income streams in line with your skillset.

If you have a spare room, you could think about renting this out to bring in some extra cash.

3) Upgrade Your Resume and Stay Marketable

Recessions affect employment so it pays to keep your resume current.

Include any new classes, workshops, or skills you might not have added since you last looked for work.

It’s a good time to investigate any relevant areas of personal development, too. Picking up new skills will ensure you’re most likely to be retained if your employer needs to start shedding personnel.

Sharpening your skills will boost your chances of staying employed, and will also increase the likelihood of finding a new job if you need to.

4) Network Aggressively

Whenever you feel your livelihood could be endangered, it pays to start preemptively networking with groups and companies looking for people with your background and experience.

LinkedIn is a great platform for connecting with hiring managers in your industry. You could also attend alumni networking events, and join relevant local business groups.

Always have a well-honed elevator pitch ready so you can sell yourself in 60 seconds flat. What do you do best and why should someone hire you?

5) Pay Down Debt

The less you owe, the easier you’ll find it to ride out the recession. You’ll have more money in your pocket each month and you won’t be squandering money on interest payments either.

To reduce your obligations, you’ll need to stop increasing your credit card debt, and you’ll need to stop applying for more loans. If you can write a check and pay down your debt, do so. Do not pay off the debt in full unless you already have a sufficient emergency fund in place.

If you’re unable to pay off the debt in full, increase minimum payments and formulate a plan to pay that debt down.

Examine your spending and identify areas you could cut back. Apply these savings to the debt.

If you find a side hustle, use this money to pay down debt.

Bottom line, eliminating debt saves money, and it can boost your credit score, too. Then, if you need to borrow in the future, you should qualify for keener interest rates.

6) Look at a Dollar-Cost Average Strategy for Investments

A dollar-cost averaging strategy to investing can minimize your risk.

The goal of this strategy is simple: to reduce the effects of volatility by investing a fixed sum in a specific stock or fund at set intervals.

By putting your investments on autopilot, you remove emotion from the process. Also, you’ll avoid investing all your money each month at a point where prices are sky-high. You’ll be free to buy when more shares if prices are low and fewer shares if prices climb.

7) Review Your Portfolio

If a recession seems likely, it’s wise to scrutinize your investment portfolio.

Could you make any tweaks to better offset volatile periods like recession?

Is your portfolio sufficiently diversified?

Here are some ways to make sure your investments are protected:

  • Speak with your financial advisor
  • Consider investments with a history of weathering market decline
  • Ask for recommendations about balancing your portfolio

While it’s natural to panic at first, it’s key to maintain a long-term perspective when investing, even if you’re experiencing an economic downturn.

Markets tend to recover and stocks typically appreciate more rapidly than bonds and other investments.

Final Thoughts

Luckily, you can often pick up on warnings of a recession before it unfolds. This means that in the majority of cases, you do have time to prepare yourself.

The most effective strategy involves heeding warnings of a recession and taking the necessary preparatory steps. The very worst thing you can do is to panic and make reckless, impulsive financial moves.

If you require advice on rebalancing your portfolio, you should speak with a financial adviser.

Remember: the threat of a recession is no time to take the ostrich approach. The more steps you can take before a recession kicks in, the easier you’ll find it to survive, and maybe even thrive when times get tough.

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