Creatix Blogger

January 15, 2035 Is now a good time to buy British pounds as a hedge against a potential decline of the U.S. dollar?  Absolutely. The Great Britain Pound (GBP) to United States Dollar (USD) rate is at an historic low rate of 1.22. That is, 1 pound is worth 1.22 dollars today. This is almost 30% below the average pound to dollar exchange rate since 1971, which is approximately 1.70.  Year Average GBP/USD Exchange Rate In 1971, the pound and the dollar became fiat currencies after the collapse of the Bretton Woods Agreement. In 1944 many Western countries had entered into an agreement to promote monetary stability after the economic turmoil of the Great Depression and World War II. Signatories of the agreement pegged their currencies to the US Dollar, which in turn was convertible to gold at a fixed rate of $35 per ounce. The Bretton Woods system effectively ended in 1971 because the US government kept printing dollars in excess of its gold reserves to finance the Vietnam War ...

January 14, 2025 Are you looking for what may be the hottest and easiest business opportunity in 2025?  If so, join the line or merge into the queue. Many entrepreneurs are wondering what products and services will be top sellers in 2025 and the next decade.  Here's a potential candidate for your consideration. Trust Verification (TV) Services. We can also call it Who to Trust (W2T) Services.  The best segment may be on cybersecurity and fact verification services for sseniors. There are more seniors online than ever before. Cyber scams targeting seniors are on the rise. Local agencies that cab help seniors navigate the cyber world securely should be popular and could be profitable in any city and suburb in the Nation.  Think about it. You can become a valuable trust consultant in your community. We are gathering data and information to develop actionable business intelligence on this opportunity. Stay tuned.  www.creatix.one

 January 13, 2025 Are Londoners nicer in 2025?  We believe so. Compared to a couple of decades ago, London itself is much nicer and the people seem to be infused in the feeling. Everything seems to be going well and working alright in London.  With the Trump dollar so incredibly strong against the British pound, London feels affordable for Americans. Lodging, transportation, and food are surprisingly affordable.  Besides affordability, which is relative, London is visitor-friendly in many ways. Streets are clean and seem safe. Police presence is noticeable yet not overwhelming. Pickpocketing can be a risk while riding the underground metro like in all major European cities, but it should not be a problem if you secure your belongings and remain alert.  London is a foodies' paradise with high quality restaurants representing almost every ethnic culinary region in the world. Food options are as varied and cosmopolitan as London itself. Unlike Paris and Rome, where...

 January 13, 2025 Creatix is a business intelligence matrix. A matrix is a place or platform where things are created. To create is to transform. Creating intelligence entails processing data into information and information into problem-solving ability. Business intelligence is the fuel of profitable commercial activities. Let's create it.  What is today's best trading move?  Who knows? The future has not been created yet.  Today is an excellent day for foreign exchange (FOREX) hedge move. It's a good day to buy Euros, British Pounds, and Japnase Yen. Trump's dollar is at a 55-year high against major foreign currencies. While the U.S. dollar may continue rising in the coming weeks and months, nothing lasts forever and everything changes.  The Euro is almost at parity with the U.S. dollar today, trading at $1.02. The British pound is at $1.22. The Yen is at 157. These rates are fantastic and will not last forever.  The easiest way to buy Euros, Pounds, and ...

 January 12, 2025 Who should buy TikTok once it is banned in the United States? Mark Zuckerberg, Elon Musk, and Donald Trump.  The U.S Government banned Chinese-owned social media giant TikTok citing national security concerns. The Chinese owners appealed the ban.  The U.S. Supreme Court will most likely uphold the  ban.  If you can't beat them, join them. If you can't join them, buy them. If you can ban them, buy them.  TikTok is the most addictive video sharing platform and as suchc one of the most valuable social media companies in the world. By banning the company due to its Chinese ownership, we could see a forced sale at a bargain price.  Who should take advantage of this opportunity? Any American company or billionaire who can.  Meta would be the most logical buyer because Meta reigns the social media industry. Meta was very worried initially about the surprising rise of TikTok. Meta immediately copied TikTok's AI algorithms in Reels, Meta'...

 January 12, 2025 Where to pee in Rome Termini? McDonald's :) Rome is one of our favorite cities in the world. It has so much history and "present" that it will be a fantastic destination for work and leisure in the rest of the 2020s. Rome is clean and feels safe in 2025. Its weather in January is mild and pleasant, in the 50s without practically any wind or rain.  If you find yourself in Rome's main train station, Roma Termini, note that using the restroom will cost you 1.20 euros. For Americans, it is hard to get used to the idea of paying for using the restroom. The 1.20 euro fee feels steep. It can add up quickly if you are with a group or family. Recommendation, go to the McDonald's across from the station (not the one inside), buy a snack, and get a code to use the restroom. You can buy a plain hamburger or a small chicken sandwich for 1.80 euros and use the restrooms.  Anyway, here's our list of "must-see" attractions in Rome: 1. Colosseum. On...

January 10, 2025 Is Meta the stock to own in 2025? Absolutely. Meta is quickly becoming the darling of institutional investors this year. The social media giant looks like a bargain at $616 per share and a price-to-earnings ratio of 29. We predict a P/E ratio of 50 by the end of the year. Mark our prediction to hold us accountable. We anticipate Meta doing a 6-way stock split before the spring. Meta's current valuation of $1.55T can be expected to rise to about $2.65T by December 2025. Why are institutional investors so bullish on Meta? AI. If any company has big data on humans, that is Meta. Meta has been collecting all sorts of data on billions of humans worldwide. Meta can leverage all that data to create AI social media "friends" and assistants for humanity. While other companies like Elon Musk's Tesla believe they can provide AI "hardware" gadgets like self-driving cars and AI robots, success in that realm is still a few decades away. In the meantime, M...

January 8, 2025 What is the Secret to Passing the USMLE Step 1 Exam? Practice makes perfect.  Introduction The Step 1 USMLE (United States Medical Licensing Examination) is a standardized test that evaluates a medical student’s understanding of foundational sciences and their application in clinical settings. The purpose is to assess the knowledge of  basic medical sciences  and the ability to apply them to clinical scenarios. The exam takes approximately 8 hours, including breaks. There are seven 60-minute blocks of up to 40 multiple-choice questions (MCQs) for a maximum of 280. There is a 45-minute break time, with an optional 15-minute tutorial (tutorial time can be added to breaks if skipped). Each MCQ presents 4 to 5 answer options and only one correct answer. Most MCQs are case-based, simulating real-world clinical scenarios, and may include diagnostic data such as lab results including images (e.g., histology, radiographs).Taking the USMLE Step 1 requires content m...

January 2, 2025 Does Trump need Viagra? We don't know about the man, but the Trump Media and Technology Company (ticker DJT) needs a Viagra boost. The stock price is stuck at the low $30s for a "meager" market capitalization of $7.3 billion. While any professional investor would know that at $7 billion, the "worthless" company is significantly overpriced, speculators hope that Trump's political prominence can "somehow" bring gains for its company. A Viagra Moment  Pfizer Inc. launched Viagra in 1998, marking a significant milestone in the pharmaceutical industry. Viagra's introduction was a lifting success for the pharmaceutical company. Following positive news about Viagra's effects on old men and the corresponding hot sales, Pfizer's stock price reached a record high of $113.75 during trading on the New York Stock Exchange, closing at $113.37. This represented an increase of nearly 8% from the previous close. Within a year of Viagra...

January 3, 2025 Can Trump get us Greenland, the Panama Canal, and the moon? In the parallel universe of the United States of Trump, we acquire Greenland, retake the Panama Canal, take the moon, control space, annex Canada, and maybe get rid of free Puerto Rico. All those are on Trump's radar and wish list.  To accomplish any of them sounds almost impossible at this time. However, playing wth tariffs, getting out of NATO, letting the Middle East solve its own problems, and beginning or joining WWIII, can make everything possible.  Trump Tariffs will Shake Things Up Playing arbitrarily and capriciously with high tariffs will begin to disrupt the status quo and global economic order. Getting out of NATO would open Europe to more Russian aggression. Maybe Greenland can be the token paid by Europe to the United States in return for the costly military defense.  The Middle East May Rot in Peace Letting folks in the Middle East solve their own problems can provide enough fuel fo...

January 1, 20 25 Will 2025 beat 2024 in S&P return? This is what history suggests. Not no, but hell no. In the history of the Standard and Poor's index since 1923, after two straight years of gains over 20% there has never been a third year that beats the preceding year. The future has not been created yet. Past performance is not controlling on future performance. However, human history tends to repeat itself in a cyclical manner over time because humans have a set range of emotions conducive of repetitive behavior under similar circumstances.  The S&P 500 had a stellar performance in both 2024 and 2023, with respective returns of 24.01% and 26.29%. It is highly unlikely that the S&P 500 in 2025 can outperform 2024.  In the past 100 years. the S&P has never had a third straight year beating two previous years with returns over 20%. Will 2025 be different? Can AI and the Trump-Musk bromance change the historical pattern? We doubt it. We think that 2025 will und...

December 25, 2024 What career fields will be in high demand in 2025?  Merry Christmas. As we approach 2025, many wonder what career fields will be in high demand next year. Well, things are not going to change overnight. For the most part, the job market will be hot for those in the following sectors: computing, healthcare, and engineering (CHE). Computing With "computing", we refer to everything related to information technology (IT), from the new field of AI Specialists to cyber security, data scientists, and software engineering.  Artificial Intelligence (AI) Specialists Role: Develop and implement AI technologies across various industries. Demand Drivers: Increased adoption of AI in business operations and services. Skills / Experience Needed: Machine learning, programming, data analysis. Cybersecurity Experts Role: Protect organizations from cyber threats and ensure data security. Demand Drivers: Rising cyber threats and increased digitalization. Experience / Skills Need...

December 23, 2024 Is it time to amend the Constitution for Trump and Musk? Some Trump supporters love him so much that they would have him as our president for life. Some love Elon Musk so much that they would have him as our president after Trump. Well, our current constitution doesn't allow either scenario. The U.S. Constitution limits presidential terms to two. The Constitution also limits the presidency to natural-born U.S. citizens. It would not be surprising if Trump and Musk seek to push amendments to the Constitution in the next four years. If things go well, they may have leverage for amendments. If things go poorly, they would have a different leverage blaming the Constitution as the problem. Either way, the argument may be that amending the Constitution is required to make America great again. Test the Waters with Birther Rights To test the waters and master the constitutional amendment process, Trump and Musk may begin pushing an easier amendment to end the so-called bi...

December 21, 2024 What's the best New Year's resolution for 2025? With only 10 days before the end of 2024, many are beginning to think about resolutions for 2025. Invariably, in recent decades, most New Year's resolutions primarily fall in one of two categories: health and wealth. That is good. However, if you think about it, the top resolution every year should be improving safety.  Typical examples of health related resolutions include losing weight, eating better, meditating, and reducing social media use. Examples on the financial side include saving more, getting another job, earning more, and investing. All that is good and well. However, improving safety practices can be significantly more important and impactful to your health and wealth than all those typical resolutions combined.  Safey First  Most of us want better health and more money. That's because we associated those with the possibility of living for longer and living better. At the end of every year w...

December 19, 2024 I was a couple of days without the news, and this is what happened to me. For a moment, I thought everything was okay and going relatively well in the world. Nothing was perfect and nothing had to be. Perfection is a fiction of human imagination. Perfection doesn't exist in the real world and doesn't have to exist. Perfection is an innocent ideal exploited for commercial, religious, and political gain.  Without the news contrasting reality with an idealistic religious perfection, I was content with the beautiful imperfect world of which I am part of. I was not worried about things outside of my purview or outside of my control. Shit happens and will continue to happen such is life. Everything felt okay. People around me seemed like normal human beings with ups and downs, successes and failures, victories and defeats. Everything seemed appropriately balanced. The happily imperfect world was an interesting place; quite fun and delightful if you ask me. I was liv...

December 18, 2024 Is Miami the most promising metropolitan area in the U.S. right now? We think so. The Miami metropolitan area is currently ranked 12th in the nation based on gross domestic product (GDP). The rise of Trump, the rise of Florida, and the rise of the Southeast region gives us a good feeling about the prospects of the Miami metro area outpacing other metropolitan areas in terms of economic growth in the next 5 years. We are looking into what objective factors may contribute to this subjective opinion. That would be material for future posts as we continue processing general information and developing commercial intelligence.  In this post we look at some economic figures and browse over the history of the Miami area.  Current Economic Ranking As of December 2024, the Miami metropolitan area ranks #12th in the U.S. by Gross Domestic Product (GDP). New York-Newark-Jersey City, NY-NJ-PA: Approximately $2.299 trillion. Los Angeles-Long Beach-Anaheim, CA: Approximatel...