Identifying Opportunities in Economic & Regulatory Trends Assignment 6A

Economic Opportunity #1: The Volatility of Cryptocurrency

https://www.express.co.uk/finance/city/912921/Bitcoin-price-crash-cryptocurrency-price-value-market-2018-low-dollars-investors-latest

Economic Opportunity #2: Rising Interest Rates

https://www.cnbc.com/2018/02/02/mortgage-rates-rise-after-positive-jobs-report.html

Regulation Opportunity #1: Business Investment Increases Due to Overall Deregulation

https://www.nytimes.com/2018/01/01/us/politics/trump-businesses-regulation-economic-growth.html

Regulation Opportunity #2: Mortgages Becoming Easiest to Secure Since '08 Collapse

https://themortgagereports.com/32631/easier-qualify-mortgage


Eco Opportunity 1:
When I was looking at the daily stock market update, keeping a particularly close eye on crytocurrency because of my potential interest in purchasing some percentages, I made this discovery on the bottom falling out recently on bitcoins. Due to the nature of Bitcoin and other cryptos, with the price skyrocketing and falling at new highs and lows, I believe the opportunity to invest is now as it increasingly decreases, because the volatility creates a bounce-back situation. I believe the most opportune customer is someone willing to take a risk in their portfolio and is looking for moderate return on a potentially unpredictable asset. In the end, the opportunity to exploit is out of the hands of those investing in cryptocurrency, and instead a situation arises that is a wait and see on the potential return.

Eco Opportunity 2:
When I was talking to my uncle about his journey with trying to buy a new house, I became aware of the interest rates on new mortgages reaching short-term record highs. Due to the extreme increase of these rates, all the way up to 4.5% as of last week, an opportunity exists to counterbalance that increase with the extreme availability of cash. I believe the most opportune customer is someone currently interested in purchasing a home, but with potentially poor financial standing for which the increased interest rate costs large amounts of money. In the end, there is a clear opportunity to exploit, however the legality of a potential solution and the extent for which offering large amounts of capital investment are unsure and hard to come by.

Regulation Opportunity 1:
After reading the New York Times to get the news of the day and the political climate of the month, I came across this article detailing the potential financial policies promoted by President Trump, among which comes massive business deregulation. Due to the extremity in the measures took for deregulation, business investment, both internally and through outside sources, has skyrocketed, therefore presenting a potential opportunity for economic stimulus. I believe the most opportune customer are business owners themselves, creating the most potential for business growth in the short and long term. In the end, there is a clear opportunity to exploit the deregulation and invest further within small businesses, as fewer regulations can lead to exponential opportunity increase.

Regulation Opportunity 2:
When I was researching the bursting of the mortgage lending bubble and the recession of 2008, the information regarding the extent to which similar circumstances are present in the status quo presented itself. I believe opportunity lies within this scenario, both with providing increased information on how the previous recession can be stopped, but also in terms of pushing for stricter guidelines for mortgage lending itself. The most opportune customer for this opportunity lies within a cross of a customer looking for a house and ethical mortgage lenders, as they look to provide economic prosperity and promote safety. In the end, there is a clear opportunity to create a stream of information that prevents full scale economic collapse and therefore this solution fits a need.