5 richest man in the philippines
5 richest man in the philippines
8 Thanksgiving mistakes: Frozen or overcooked turkey, too many sides and other common holiday miscues
Walmart's DEI rollback signals a profound shift in the wake of Trump's election victoryNoneAP Sports SummaryBrief at 5:21 p.m. EST
By James Royal, Ph.D., Bankrate.com Cryptocurrencies are enormously volatile, but that volatility can create opportunities for profit if you’re looking to trade these digital assets. Cryptos such as Bitcoin and Ethereum have risen a lot since their debut — but they’ve also experienced tremendous boom-bust cycles along the way. Experienced traders have been speculating on cryptocurrencies for years, but how can you get started if you’re new to the crypto market? Here’s how to start investing in cryptocurrency and the significant risks you need to watch out for. First things first, if you’re looking to invest in crypto, you need to have all your finances in order. That means having an emergency fund in place, a manageable level of debt and ideally a diversified portfolio of investments . Your crypto investments can become one more part of your portfolio, one that helps raise your total returns, hopefully. Pay attention to these five other things as you’re starting to invest in cryptocurrencies. As you would for any investment, understand exactly what you’re investing in. If you’re buying stocks, it’s important to read the annual report and other SEC filings to analyze the companies thoroughly. Plan to do the same with any cryptocurrencies , since there are literally thousands of them, they all function differently and new ones are being created every day. You need to understand the investment case for each trade. In the case of many cryptocurrencies , they’re backed by nothing at all, neither hard assets nor cash flow of an underlying entity. That’s the case for Bitcoin , for example, where investors rely exclusively on someone paying more for the asset than they paid for it. In other words, unlike stock, where a company can grow its profits and drive returns for you that way, many crypto assets must rely on the market becoming more optimistic and bullish for you to profit. Some of the most popular coins include Bitcoin, Ethereum, Solana , Dogecoin and Tether (a stablecoin) . So before investing, understand the potential upside and downside. If your financial investment is not backed by an asset or cash flow, it could end up being worth nothing. A mistake that many new investors make is looking at the past and extrapolating that to the future. Yes, Bitcoin used to be worth pennies, but now is worth much more . The key question, however, is “Will that growth continue into the future, even if it’s not at quite that meteoric rate?” Investors look to the future, not to what an asset has done in the past. What will drive future returns? Traders buying a cryptocurrency today need tomorrow’s gains, not yesterday’s. The prices of cryptocurrencies are about as volatile as an asset can get. They could drop quickly in seconds on nothing more than a rumor that ends up proving baseless. That can be great for sophisticated investors who can execute trades rapidly or who have a solid grasp on the market’s fundamentals, how the market is trending and where it could go. For new investors without these skills — or the high-powered algorithms that direct these trades — it’s a minefield. Volatility is a game for high-powered Wall Street traders, each of whom is trying to outgun other deep-pocketed investors. A new investor can easily get crushed by the volatility. That’s because volatility shakes out traders, especially beginners, who get scared. Meanwhile, other traders may step in and buy on the cheap. In short, volatility can help sophisticated traders “buy low and sell high” while inexperienced investors “buy high and sell low.” If you’re trading any asset on a short-term basis, you need to manage your risk , and that can be especially true with volatile assets such as cryptocurrency. So as a newer trader, you’ll need to understand how best to manage risk and develop a process that helps you mitigate losses. And that process can vary from individual to individual: Newer traders should consider setting aside a certain amount of trading money and then using only a portion of it, at least at first. If a position moves against them, they’ll still have money in reserve to trade with later. The ultimate point is that you can’t trade if you don’t have any money. So keeping some cash in reserve means you’ll always have a bankroll to fund your trading. It’s important to manage risk, but that will come at an emotional cost. Selling a losing position hurts, but doing so can help you avoid worse losses later. Finally, it’s important to avoid putting money that you need into speculative assets. If you can’t afford to lose it — all of it — you can’t afford to put it into risky assets such as cryptocurrency, or other speculative assets, for that matter. Whether it’s a down payment for a house or an important upcoming purchase, money that you need in the next few years should be kept in safe accounts so that it’s there when you need it. And if you’re looking for an absolutely sure return, your best option is to pay off high-interest debt. You’re guaranteed to earn (or save) whatever interest rate you’re paying on the debt. You can’t lose there. Finally, don’t overlook the security of any exchange or broker you’re using. You may own the assets legally, but someone still has to secure them, and their security needs to be tight. If they don’t think their cryptocurrency is properly secured, some traders choose to invest in a crypto wallet to hold their coins offline so they’re inaccessible to hackers or others. Remember that investing in cryptocurrency can be part of a broader investment strategy, but shouldn’t be your only one. While investing directly in cryptocurrency is popular, traders have other ways to get into the crypto game, some more directly than others. These include: Each of these methods varies in its riskiness and exposure to cryptocurrency, so you’ll want to understand exactly what you’re buying and whether it fits your needs. In theory it takes only a few dollars to invest in cryptocurrency. Most crypto exchanges, for example, have a minimum trade that might be $5 or $10. Other crypto trading apps might have a minimum that’s even lower. However, it’s important to understand that some trading platforms will take a huge chunk of your investment as a fee if you’re trading small amounts of cryptocurrency. So it’s important to look for a broker or exchange that minimizes your fees. In fact, many so-called “free” brokers embed fees — called spread mark-ups — in the price you pay for your cryptocurrency. Cryptocurrency is based on blockchain technology . Blockchain is a kind of database that records and timestamps every entry into it. The best way to think of a blockchain is like a running receipt of transactions. When a blockchain database powers cryptocurrency, it records and verifies transactions in the currency, verifying the currency’s movements and who owns it. Many crypto blockchain databases are run with decentralized computer networks. That is, many redundant computers operate the database, checking and rechecking the transactions to ensure that they’re accurate. If there’s a discrepancy, the networked computers have to resolve it. Some cryptocurrencies reward those who verify the transactions on the blockchain database in a process called mining. For example, miners involved with Bitcoin solve very complex mathematical problems as part of the verification process. If they’re successful, miners receive a predetermined award of Bitcoins. To mine Bitcoins , miners need powerful processing units that consume huge amounts of energy. Many miners operate gigantic rooms full of such mining rigs in order to extract these rewards. As of October 2024, running the Bitcoin system burned as much energy per year as the country of Poland. If you’re looking to invest in Bitcoin, you have a variety of ways to do so, and you can work with a number of companies, including: If you’re looking to buy Bitcoin, pay particular attention to the fees that you’re paying. Here are other key things to watch out for as you’re buying Bitcoin . An altcoin is an alternative to Bitcoin. Many years ago, traders would use the term pejoratively. Since Bitcoin was the largest and most popular cryptocurrency, everything else was defined in relation to it. So, whatever was not Bitcoin was lumped into a catch-all category called altcoins . While Bitcoin is still the largest cryptocurrency by market capitalization by far, it’s no longer the only game in town. Other altcoins such as Ethereum and Solana have grown in popularity, making the term altcoin somewhat outmoded. Now with a reported 15,000 or more cryptocurrencies in existence, it makes less sense than ever to define the industry as “Bitcoin and then everything else.” Cryptocurrency is a highly speculative area of the market, and many smart investors have decided to put their money elsewhere. For beginners who want to get started trading crypto, however, the best advice is to start small and only use money that you can afford to lose. Bankrate’s Brian Baker contributed to an update of this story. ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.
Another New Hampshire business hit with bills for AT&T account it never opened(The Center Square) – Prosecutors introduced secretly recorded audio and video along with a troubled star witness at the public corruption trial of former Illinois House Speaker Michael Madigan. Former Chicago Alderman Daniel Solis returned to the Everett McKinley U.S. Courthouse Monday. Solis is facing one federal count of bribery under a deferred prosecution agreement. The ex-alderman began cooperating with federal investigators in 2016. U.S. government attorney Diane MacArthur first introduced a recording of Madigan and Solis nearly two years before the alderman started cooperating with the government. The recording involved a conversation with Chinese developer, See Wong, who wanted to build a hotel on a parcel of land in Chicago’s Chinatown neighborhood. The land was owned by the state of Illinois at the time, but Solis said a zoning change would be required from the city in order for a hotel to be built. At Madigan’s request, Solis said he facilitated the meeting on Aug. 8, 2014, at Madigan’s law firm, Madigan and Getzendanner, about the land along Wentworth Avenue between Archer Avenue and Cermak Road. Madigan’s law partner, Bud Getzendanner, discussed how successful the firm had been in working with hotels to make sure they were not taxed more than necessary. ”A large component of your expense for hotels is real estate taxes,” Getzendanner said during the recorded meeting. Getzendanner said the firm charged 12.5% of the tax savings obtained. Madigan told Wong and an interpreter about the quality of service his firm provided. “We don’t take a second seat to anybody,” Madigan said. The developer then asked for a picture with Madigan and Solis. Solis told the group that Wong would benefit from working with Madigan. “If he works with the Speaker, he will get anything he needs for that hotel,” Solis said on the recording. Solis testified that he meant the city would provide the zoning change the developer needed from the city if the developer hired Madigan’s law firm. Solis said the zoning change was approved, but the proposed hotel was never built. MacArthur asked Solis about the bribery charge he is still facing, which Solis said involved the redevelopment of a property in Chicago from a restaurant to a residential building in 2015. Solis said two problems prevented the project from moving forward: labor unions’ perceived lack of representation in the development and residents' concerns in the ward. The former alderman admitted that he solicited a campaign contribution from the developer or from one or more of the developer’s vendors while the project’s zoning change was still under consideration. Solis said he believed the developer was on board and that he would be getting donations from the developers’ vendors. The zoning change was approved by the city council, Solis said. He testified he solicited and accepted campaign contributions from other developers who had matters pending before the city council’s zoning committee. Solis then testified about about a variety of things like massages that turned sexual, trips to Las Vegas, tickets to professional sporting events, no-paperwork six-figure loans he'd paid back. He even admitted to an extramarital affair he had with an interpreter. Solis said he was separated from his wife for about five years and their house went into foreclosure. He also confessed that he lied to a collection agency by saying he was out of work. MacArthur asked Solis about his sister, Patti Solis Doyle, who worked on campaigns for former Chicago Mayor Richard M. Daley, former President Bill Clinton and former U.S. Senator Hillary Clinton, D-New York. Solis Doyle also managed Hillary Clinton’s presidential campaign in 2008. Solis said his sister was involved in a hotel project in which the developer offered her $100,000. Solis said his sister offered to split the sum with her brother. As chairman of the city’s zoning committee, Solis said he told his sister he could not accept money regarding a hotel development. Solis said his sister told him there would be another way she could compensate him. The former alderman said he did receive funds from his sister for referring her to his friend Brian Hynes’ state vendor assistance program. Monday afternoon, Solis testified that FBI agents visited his home on June 1, 2016, and played audio and video recordings. After considering an attorney, Solis said he decided to cooperate with the FBI a few days later and agreed to let investigators tap his phone. Solis also said he told an attorney friend that he was cooperating with the FBI in regard to an investigation of an organization he was involved in. Solis said he made recordings for several investigations he was involved in as part of his deferred prosecution agreement. He began communicating with Madigan after receiving a voicemail message on June 12, 2017. Solis said he discussed the Chinatown land deal, his interest in getting a state board appointment, and referring clients to Madigan’s law firm while cooperating with the government from June 2016 to December 2017. Solis admitted that he was not really interested in a state board appointment, but he raised the issue with Madigan at the direction of law enforcement. Solis said he began communicating with Madigan codefendant Michael McClain about the Chinatown parcel in the fall of 2017. He said he had to continue to perform his duties as an alderman while cooperating with the FBI because of “the farce” that he was involved in. Solis discussed a 2017 redevelopment project that required a zoning change involving a Union West development in Chicago’s West Loop. MacArthur played a recording, dated June 12, 2017, of Madigan asking Solis about the development. During the call, Solis told the speaker he would try to arrange an introduction for Madigan with the developers. In a subsequent call, Solis promised to arrange a meeting and said, “I think these guys get it, the quid pro quo and how it works.” When MacArthur asked Solis why he said that, Solis said he didn’t know and said it was “dumb.” MacArthur asked Solis if he used the words “quid pro quo” at the direction of law enforcement. “No,” Solis said. Union West developer Andrew Cretal agreed to meet with Madigan and told Solis, “confidentially,” that his company was working with Goldman Sachs as an equity partner and that he would “circle back” with Solis. MacArthur played a recording of Madigan privately telling Solis not to use the words, “quid quo pro.” The conversation immediately preceded the meeting Cretal and the Union West group had at Madigan's and Getzendanner’s law office. During the meeting, Madigan repeated to Cretal’s group what he had said to See Wong. “We don’t take a second seat to anybody,” Madigan said. Solis said he met with Madigan again privately after the meeting with the intention of discussing the Chinatown parcel. Solis said he had been having frequent meetings about the land with potential developers. During the recording, Solis said that nothing could really happen until the state transferred the land. Connie Mixon, professor of Political Science and director of the Urban Studies Program at Elmhurst University, served as an expert witness at the corruption trial of longtime Chicago Democrat Ed Burke, who served on the city council from 1969 to 2023. A jury convicted Burke in December 2023 on 18 counts of racketeering, bribery, attempted extortion and conspiracy to commit extortion and using interstate commerce to facilitate an unlawful activity. Mixon said that Solis also testified as a cooperating witness during Burke’s trial. “It seemed as if, in the sentencing for the Burke trial, the judge did take a bit of exception to the fact that Solis, who also had potential criminal charges, was essentially getting away without any sort of repercussions,” Mixon told The Center Square. Mixon described Solis as a damaged witness. “He’s absolutely damaged, but as much as he’s damaged, you have the words on the wiretap. Having the defendants’ words played in the courtroom, they are really the witness against themselves when you have those wiretaps,” Mixon explained. Before the jury was seated Monday morning, prosecutors said they would provide the court with revised jury instructions by Dec. 3. Judge John Robert Blakey said he could deny admittance of new materials after that date if he deemed them to be untimely. Madigan and McClain are charged with 23 counts of bribery, racketeering and official misconduct. The trial is scheduled to resume Tuesday morning in Chicago.
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Walmart's DEI rollback signals a profound shift in the wake of Trump's election victoryKingsview Wealth Management LLC Has $298,000 Stock Position in Innovator MSCI EAFE Power Buffer ETF – July (NYSEARCA:IJUL)UN Resolution 1701 is at the heart of the Israel-Hezbollah ceasefire. What is it?
PTC Therapeutics (NASDAQ:PTCT) Price Target Raised to $68.00Voice Evacuation Systems Market to Grow by USD 1.1 Billion (2024-2028), Real Estate and Construction Boosts Growth, AI Impact on Trends - TechnavioWHITE SULPHUR SPRINGS, W. Va. (AP) — Jordan Sears scored 25 points, Jalen Reed had 21 points and 13 rebounds, and LSU defeated UCF 109-102 in triple overtime on Sunday to take third place at the Greenbrier Tip-Off. LSU trailed by 18 points early in the second half, then failed to hold a lead at the end of regulation and each of the first two overtime periods. The Tigers went up by five with a minute to go in the third overtime. UCF cut it to three, then Vyctorius Miller made a driving layup, Jordan Sears followed with a dunk and the Tigers were able to hold on when leading by seven. Cam Carter scored 20 points, Miller had 16 and Dji Bailey 14 for LSU (5-1). Darius Johnson had 25 points, eight assists and six rebounds for UCF (4-2). Keyshawn Hall had 21 points and 10 rebounds, and Jordan Ivy-Curry scored 20. South Florida led by 15 points at halftime and maintained a double-digit lead for all but a few possessions in the first 11 1/2 minutes of the second half. UCF led 62-48 with 8 1/2 minutes remaining but Sears hit three 3-pointers and LSU drew to within 64-59 with 6 minutes to go. The Tigers scored the last six points of regulation to force overtime. In the first half, LSU led 15-13 about eight minutes into the game but the Tigers missed 15 of 16 shots while being outscored 25-3 over the next 10 minutes. South Florida led 40-25 at halftime after shooting 46% to 25% for LSU. ___ Get poll alerts and updates on the AP Top 25 throughout the season. Sign up . AP college basketball: and
Kingsview Wealth Management LLC Takes $235,000 Position in Rocket Companies, Inc. (NYSE:RKT)Daily Dose of Social Media: Denis Shapovalov’s hilarious encounter with Bernard Tomic, Casper Ruud announces engagement,State championship roundupNew NachoVPN attack uses rogue VPN servers to install malicious updates
Man who set off makeshift bomb outside Alabama attorney general's office sentenced to nine yearsPacheco's 18 lead Mount St. Mary's past Howard 79-75SANTA CLARA, Calif. (AP) — Getting blown out at Green Bay following another squandered late lead the previous week against Seattle has quickly turned the San Francisco 49ers from a Super Bowl contender into a team just fighting to get back to the playoffs. If San Francisco doesn't get healthy and eliminate the errors that led to Sunday's 38-10 loss to the Packers, the focus will turn from playoff permutations to what offseason changes are necessary. “I think everyone understands completely outside and inside what the situation is,” coach Kyle Shanahan said Monday. “That’s why the Seattle game was so tough of a loss and that’s why last night was even worse. We know what we got ahead of us. We know exactly what the playoff situation is. That is what it is. But really, all that matters is this week when you do need to go on a run and put a lot of wins to even think of that.” The task doesn't get any easier as the Niners (5-6) get set to play at Buffalo on Sunday night. The 49ers are hoping to get injured stars Brock Purdy , Nick Bosa and Trent Williams back for that game, but their presence alone won't fix everything that went wrong on Sunday . The defense got repeatedly gashed early and put San Francisco in a 17-0 hole before the offense even generated a first down. The running game never got going as Christian McCaffrey has looked nothing like the 2023 Offensive Player of the Year in his three games back from Achilles tendinitis. And whenever the Niners appeared to do something right, a penalty came back to haunt them. It added up to the most lopsided loss for San Francisco since the 2018 season, before Shanahan had turned the Niners into perennial contenders. “It’s probably one of the worst ones I’ve been a part of,” linebacker Fred Warner said. “It is embarrassing. You’ve got to take it on the chin, take it like a man and move on.” Despite the doom and gloom, the 49ers are only one game behind Seattle and Arizona in the NFC West standings with six games to go. But San Francisco already has three division losses and a difficult schedule featuring games against the Bills this week and Detroit in Week 17. “My optimism is not broken by any means,” tight end George Kittle said. “We still have a lot of very talented players. We will get some guys back and I still have full trust in the coaching staff to put our guys in position to make plays. I have no worry about that. But definitely an uphill grind. We'll see what we’re made of, which I’m looking forward to.” Red-zone passes to Kittle. Backup QB Brandon Allen connected on a 3-yard TD pass to Kittle late in the second quarter for San Francisco's only TD. Kittle leads the NFL with eight touchdown catches in the red zone, which is tied with Vernon Davis (2013) for the most in a season for a Niners player since 2000. Kittle was the only consistent part of the San Francisco offense with six catches for 82 yards. Avoiding penalties. San Francisco had nine penalties for 77 yards and they were costly and sloppy. The Niners had 12 men on the field on defense on back-to-back plays, three false starts, a pass interference in the end zone and three penalties on special teams, including a holding on Eric Saubert that negated an 87-yard kickoff return by Deebo Samuel to open the second half. Rookie Dominick Puni had three penalties after being penalized just once in the first 10 games. DE Leonard Floyd. There were few positive performances on defense, but Floyd had both of the team's sacks. Run defense. San Francisco allowed 169 yards rushing, including 87 in the first quarter for the team's second-worst performance in the opening quarter since 1991. The Niners missed 19 tackles, according to Pro Football Focus, as Josh Jacobs gained 83 of his 106 yards rushing after contact. Purdy took part in a light throwing session without pain on Monday and Shanahan is hopeful he can return to practice Wednesday after missing the Green Bay game with a shoulder injury. ... Bosa (hip, oblique) and Williams (ankle) also could return this week after sitting out Sunday. ... LG Aaron Banks, DT Jordan Elliott and WR Jacob Cowing all in the concussion protocol. ... RG Dominick Puni (shoulder) and CB Deommodore Lenoir (knee) underwent MRIs on Monday and the team is waiting for results. ... CB Renardo Green (neck) and LB Demetrius Flannigan-Fowles (knee) are day to day. 11 — The Niners generated only 11 first downs, tied for the fewest in any game in eight seasons under Shanahan. They also had 11 in the 2022 NFC title game loss at Philadelphia when Purdy hurt his elbow and in Week 2 against Seattle in Shanahan's first season in 2017. The 49ers visit Buffalo on Sunday night. AP NFL: https://apnews.com/hub/NFL
PVBLIC Foundation Hosts Panel at COP29 on SIDS Center of Excellence and the Development Bank for Resilient ProsperityNEWARK — After a recount, the results of a Newark City Council race have held, with Jactina Arteaga headed toward victory with a four vote advantage. By Friday afternoon, Arteaga had a 0.1% lead, with 6,446 votes to Julie Del Catancio’s 6,442 votes. The Alameda County Registrar of Voters manually recounted all of the race’s ballots by Friday afternoon and the results appeared to hold the same, an official said Friday. Tim DuPuis, the Alameda County registrar, said Friday that he personally made the decision to review the race’s results because it was within 10 votes of separation – the closest race in the county. The results of the recount appeared to hold, Dupuis said Friday. The only other tight race in the county, he added, was the Fremont District 6 council race where Raymond Liu had a 36-vote lead over incumbent Teresa Cox. At one point, the contest had been as close as 12 votes before more ballots were counted.Dupuis said he did not elect to recount that race. Arteaga received a bachelor’s degree in business administration from Cal State University, Hayward. She has previous experience as a child support officer for San Mateo County, in finance and public safety administration in San Mateo County District Attorney Steve Wagstaffe’s office and as an assistant agency director with the Social Services Agency. “Although it has been a roller coaster with the results these past few weeks, it is important that every vote gets counted. I’m glad the ROV is doing a manual count and I hope that I remain in the lead,” Arteaga said in a statement Friday before the recount was completed. “Either way the voters have spoken and we will have new leadership on the council beginning in December.” The latest campaign finance records show Arteaga raised $14,902 through October, mostly through small donations, including a $2,500 personal loan. She spent $5,820, largely on print ads and other campaign advertising materials. “It seems like what people really want to see is that they’re safe, that their families are safe, and that we’re responsible,” Del Catancio said in an interview Friday. “I feel like I’d fit in wholeheartedly because I really love Newark, I’m a long term resident here and I also work in the area.” Del Catancio received a law degree from the University of San Francisco School of Law and a master’s degree in administration from the University of Kansas. She is currently a Newark planning commissioner and educator in the Newark Unified School District. “Win or lose, I feel like we put our heart and soul into it and we tried the best that we could. And so I think that it’s really up to the people,” Del Catancio added. “The fact is that in any race, you set out, you try your hardest, you meet the people and they make a decision. We’ll see how it goes, fingers crossed.” The registrar’s office expects to certify the Nov. 5 election results in December.
Wealthy nations’ US$300b pledge for climate finance reveals new conservative political realitiesDzmitry Dzemidovich/iStock via Getty Images BridgeBio ( NASDAQ: BBIO ) announced the FDA approval of Attruby (acoramidis) for the treatment of ATTR cardiomyopathy on November 22. This was a largely expected event based on the strong phase 3 results, but there are never I publish my best ideas and top coverage on the Growth Stock Forum . If you're interested in finding great growth stocks, with a focus on biotech, consider signing up. We focus on attractive risk/reward situations and track each of our portfolio and watchlist stocks closely. To receive e-mail notifications for my public articles and blogs, please click the follow button . And to go deeper, sign up for a free trial to Growth Stock Forum. ONeil Trader is a former stockbroker turned full-time independent investor. He focuses on finding growth and biotech stocks with significant growth potential and calculates ideas in large part based on best risk-adjusted returns. He leads the investing group Growth Stock Forum which features: a model portfolio of 15-20 names updated regularly, a top picks list of up to 10 stocks that are expected to perform well in the current calendar year, trading ideas that target both short-term and medium-term moves, and chat with community dialogue and for questions. Learn More . Analyst’s Disclosure: I/we have a beneficial long position in the shares of BBIO, NBIX either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. This article reflects the author's opinion and should not be regarded as a buy or sell recommendation or investment advice in any way. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.