Assignment 6A: Identifying Opportunities in Economic and Regulatory Trends

1. Stocks hit new records and some investors get queasy 
               Source: http://www.foxbusiness.com/markets/2018/01/09/stocks-hit-new-records-and-some-investors-get-queasy.html 
                                    This opportunity was one I found while browsing the economics section of the Fox News online news page. I believe an opportunity exists for those to make money by being able to understand the stock market and have a good idea of the upcoming trends. Being able to understand that this growth is unsustainable and that the stocks are likely going to turn for the worse, can help you make money off this investment.This opportunity is likely easy to exploit since so many people are involved in some way, in the stock market.
                                     The prototypical customer is likely one that is familiar with the way the stock market works and frequently checks on it to try and figure out trends or when the best time to cash out instead of risking keeping your investment in a stock that will likely decline sooner or later.
                                   I saw this opportunity and I am sure many others who read this did as well, but certain people may try and hold off on taking their money out and waiting to see how long this growth can last before losing money when the stock plummets. People who are more savvy with their investments are likely able to understand the stock market better and take out their investment while their ahead and not risk losing everything.


2. America gets a raise: Wage growth fastest since 2009
              Source: http://money.cnn.com/2018/02/02/news/economy/january-jobs-report-2018/index.html
                          This opportunity I discovered on CNN's online web page, and  the article exemplifies an important economic trend currently happening in the US.  I believe an opportunity exists for those looking to find employment or enter the work force. Now would be the best time to look for a job or find a better job since the economy is doing so well and wages for workers is growing across the entire country.
                        The prototypical customer are those that are searching for a better job that pays more, or those looking to enter the work force. Teenagers are a prototypical customer as they are constantly searching for minimum wage jobs to pay for college or a car and this would be a perfect time to get a job because these business are more likely to offer raises or hourly wages above minimum wage  right now.
                        I am sure that most people that read this can see the opportunity being presented, for me, having already worked a few minimum wage jobs, I understand how much an hourly raise would mean and this would convince someone like me to be sure to secure a job in this economy now, instead of those who have never had a job and do not understand the scope of importance and how big an impact this economic trend can have.


3.  Strengthening protections for the Social Securities Beneficiaries Act 
                Source: https://www.govtrack.us/congress/bills/115/hr4547
                                       This opportunity I found on gov track and I believe the opportunity exists because  most people want full protection and payout in their social security and the bill is currently being reviewed by the House of Representatives. If passed, this would provide an excellent opportunity for those looking to retire without worrying about their social security payout being slashed or reduced in any way.
                                      The prototypical customer would most likely be someone looking to retire but unsure of whether to do so yet in fear of their social security benefits not fully coming in. An opportunity like this would be very difficult to exploit because it is the government that gets the final say in whether this regulation passes or not.
                                       I saw an opportunity here and I believe others who are familiar with our government and can get an ideal estimate of the likelihood  of this bill passing, that now can be the most optimal time to retire and receive social securities benefits as this law will likely be passed in the house and senate and be signed by the president.



4.  Mortgage Choice Act of 2017
     Source: https://www.govtrack.us/congress/bills/115/hr1153
                                 This opportunity I also found on Gov track and I can see an opportunity here for those looking to buy a home or living space and needing to place a mortgage down.  Or those currently employed as mortgage brokers. This would provide an excellent opportunity for those who want to buy a home but are dissuaded by the confusion of placing a mortgage and what that entails.
                                   The prototypical customer would be one looking to buy a home and wanting to hire a mortgage broker.  The Bill, if passed, clears up definitions and truths in the paperwork of a mortgage transaction and so it would be easy to exploit this opportunity if you are a mortgage broker by selling thus point and gaining more business.
                                  I saw this opportunity that I do not think many others would see, because this is a bill that would be passed without making any headline news so not many would know about it, and also because it is a difficult opportunity to exploit just because the amount of people who can use this to an advantage is minimum.