haru Economy

Peter Thiel, the billionaire co-founder of PayPal and early Facebook investor, has recently raised alarms about a potential real estate 'catastrophe' in the United States.

The Core of Thiel's Warning

Thiel's concerns center on the disproportionate relationship between population growth and housing prices. He notes that when a city's population increases by 10%, housing prices can surge by up to 50%. In contrast, wages do not rise at a comparable rate, leading to affordability challenges.

Impact on the Lower Middle Class and Young People

This disparity poses significant challenges for the lower middle class and young individuals striving to enter the housing market. As homeownership becomes increasingly out of reach, these groups may face long-term financial instability.

Potential Economic Ripple Effects

The escalating housing prices, coupled with stagnant wage growth, could lead to broader economic issues, including:

Increased Debt Levels: Individuals may take on more debt to afford housing, leading to financial strain.
Reduced Consumer Spending: Higher housing costs can limit disposable income, affecting other sectors of the economy.
Social Inequality: The wealth gap may widen as property ownership becomes exclusive to higher-income individuals.

Preparing for the Potential Crisis

To mitigate these risks, it is crucial to:

Promote Affordable Housing Initiatives: Encourage policies that support the development of affordable housing options.
Implement Wage Growth Strategies: Align wage growth with rising living costs to maintain purchasing power.
Educate Prospective Homebuyers: Provide resources and guidance to help individuals make informed decisions in the housing market.

By addressing these issues proactively, we can work towards a more equitable and stable housing market for all.

Social Security Payments: What Retirees Born from March 1 to 20 Need to Know in 2025

Social Security Payments: What Retirees Born from March 1 to 20 Need to Know in 2025

If you're a retiree in the United States born between March 1 and March 20, it's important to stay up to date with the 2025 Social Security payment schedule. Changes in payment dates and structures can affect your financial planning. In this post, we'll break down everything you need to know to manage your benefits effectively.

Why Birthdays Matter for Social Security Payments

The Social Security Administration (SSA) organizes monthly retirement benefit payments based on your birth date. This means retirees with birthdays falling within specific date ranges receive their payments on different Wednesdays of the month. If you’ve ever wondered when you’ll get your Social Security check in March 2025 if born between March 1 and 20, here’s your answer.

March 2025 Payment Dates for Retirees Born March 1–20

According to the SSA’s official 2025 schedule:

Retirees born March 1–10 received their benefits on March 12, 2025.
Retirees born March 11–20 received their benefits on March 19, 2025.
The final payment date for the month, March 26, 2025, only applies to those born March 21–31.

So if your birthday falls between March 1 and March 20, your Social Security check has already been sent, and there’s no need to wait for the March 26 payment.

How This Affects Your Monthly Budget

Missing or misunderstanding payment dates can throw off your budget. Knowing exactly when to expect your deposit can help you plan your monthly expenses with confidence, from scheduling bills to allocating funds for healthcare or grocery costs. For retirees who rely heavily on Social Security income in retirement, syncing your financial activity with the payment schedule is essential.

Using a digital calendar or mobile reminder app can be a simple way to budget monthly around Social Security payment dates. This small step can help you avoid overdraft fees or missed payments.

How to Check the Status of Your Payment

If you didn’t receive your March payment:

Wait three mailing days after your scheduled date.
Check your My Social Security account at ssa.gov.
Contact your bank to ensure there were no delays on their end.
Reach out to the SSA directly if the issue persists.

It’s always a good idea to keep a record of expected payment dates and amounts, especially for retirees who need to manage Social Security income carefully to cover essential expenses.

Resources for Retirees

Final Thoughts

Social Security benefits are a vital part of retirement income for millions of Americans. By staying informed about payment schedules—especially if you're born in early March—you can better manage your monthly finances and avoid surprises. Whether you’re planning for bills, groceries, or healthcare costs, understanding the Social Security payment schedule for retirees born in early March will help you stay financially prepared.

Mortgage Loans in the USA: A Beginner’s Guide to Buying Your First Home

Are you searching for the "best mortgage loans for first-time homebuyers in the USA"? You're not alone. With rising housing costs and fluctuating interest rates, understanding mortgage loans is crucial for making smart decisions and achieving the American dream of homeownership.

This guide breaks down the basics of mortgage loans, featuring actionable tips and essential information that every beginner needs to know.

1. What is a Mortgage Loan?

A mortgage loan is a type of loan used to purchase a home. You borrow money from a lender, and in return, you agree to repay the loan with interest over a set period. The home serves as collateral.

"how does a mortgage loan work for first-time buyers"

2. Types of Mortgage Loans

There are several types of mortgage loans available in the U.S., each with unique benefits:

Conventional Loans: Ideal for buyers with good credit and a steady income.
FHA Loans: Backed by the Federal Housing Administration, these are perfect for those with lower credit scores.
VA Loans: Available for veterans and active military members.
USDA Loans: Designed for rural homebuyers meeting income eligibility.

"difference between FHA and conventional mortgage loans"

3. How to Qualify for a Mortgage Loan

To get approved, most lenders look at:

Credit score (usually 620 or higher for conventional loans)
Debt-to-income (DTI) ratio
Employment and income history
Down payment (as low as 3% for some loan types)

"minimum credit score needed to get a mortgage in the USA"

4. Fixed-Rate vs. Adjustable-Rate Mortgages (ARMs)

Fixed-Rate: Interest rate remains the same for the life of the loan (predictable payments)
ARM: Interest rate may change periodically based on the market (initial lower rates)

"should I choose a fixed or adjustable-rate mortgage in 2025"

5. How to Find the Best Mortgage Lender

Not all lenders are created equal. When shopping for a mortgage, compare:

Interest rates
Fees and closing costs
Customer service ratings
Pre-approval process

"best mortgage lenders for first-time buyers with low income"

Bonus Tips for First-Time Homebuyers

Get pre-approved before house hunting
Factor in property taxes, insurance, and maintenance
Use a mortgage calculator to estimate monthly payments
Avoid making big financial changes before closing

Trusted Resources

CFPB: Buying a House Guide
HUD: Homeownership Assistance Programs
NerdWallet: Best Mortgage Lenders in 2025

By understanding the different types of mortgage loans and how to qualify, you can confidently step into homeownership. Whether you're buying in California, Texas, or anywhere in between, the right knowledge is your best asset.

Happy house hunting!

North Korea’s Bitcoin Holdings: How Lazarus Group is Impacting Cryptocurrency Security

Recent reports indicate a significant rise in North Korea’s Bitcoin holdings, raising global cybersecurity and financial security concerns. Particularly, the Lazarus Group, a notorious North Korean hacking organization, has been central to accumulating cryptocurrency assets.

North Korea’s Current Bitcoin Holdings

As of March 24, 2025, North Korea is estimated to hold around $500 million worth of Bitcoin. This amount has grown significantly from previous estimates, mainly due to cyber-attacks conducted by groups like Lazarus.

Lazarus Group’s Cyber Activities and Global Impact

The Lazarus Group gained international attention after their infamous 2014 Sony Pictures hack and has since expanded to targeting financial institutions and cryptocurrency exchanges worldwide. Their main objective is acquiring foreign currency through cybercrime to evade international economic sanctions imposed on North Korea.

Global Responses and Challenges

The international community is actively responding to these cyber threats. For example, the U.S. Treasury Department has expanded sanctions by identifying and blacklisting cryptocurrency wallet addresses associated with Lazarus Group. However, sanctions alone have limitations, highlighting the urgent need for collaboration among global cryptocurrency exchanges and financial institutions.

Strategies to Strengthen Cryptocurrency Security

• Enhanced Exchange Security: Cryptocurrency exchanges must strengthen their security protocols and conduct regular security audits to minimize hacking risks.

• Improved International Cooperation: Countries must enhance information sharing and cooperation to establish rapid-response systems against cybercrimes.

• Investor Education: Investors should be educated on cybersecurity threats, such as phishing attacks, to help create a safer investment environment.

As the cryptocurrency market continues to expand, the associated cybersecurity threats will inevitably increase. It’s crucial for investors and institutions alike to proactively build secure financial environments.

Investing for Beginners: 5 Simple Steps to Start Building Wealth Today

how to set investment goals for beginners

If you're searching for the "best investing tips for beginners" you've come to the right place. Investing can seem intimidating at first, but with the right knowledge, it's easier than you think. Here's a beginner-friendly guide on "how to start investing with little money" to help you build your financial future.

1. Understand Your Investment Goals

Before putting money into stocks or mutual funds, clarify your investment goals. Are you investing for retirement, your children's education, or a home purchase? Identifying your goals will help you choose the best investments and strategies tailored to your needs.

2. Start with a Budget-Friendly Investment Account

You don't need thousands of dollars to begin investing. Platforms like Robinhood, Fidelity, and Vanguard offer low-cost or even commission-free trades, perfect for beginners exploring investing opportunities.

3. Diversify Your Investments

Diversification simply means not putting all your eggs in one basket. Beginners should consider ETFs (Exchange-Traded Funds) or mutual funds, as they offer easy and affordable diversification by investing in many companies simultaneously.

Long-tail keyword: "how to diversify investments as a beginner"

4. Understand the Power of Compound Interest

Albert Einstein famously referred to compound interest as the eighth wonder of the world. The sooner you start investing, even small amounts, the greater your returns over time thanks to compounding.

5. Regularly Review and Adjust Your Portfolio

Your life circumstances and financial goals will evolve over time. Regular portfolio check-ups and rebalancing are crucial to ensure your investment strategy remains aligned with your objectives.

Trusted Resources for Further Learning

Investopedia: Beginner's Guide to Investing
SEC.gov: Investing Basics
Dave Ramsey: Investing Advice for Beginners

By following these five simple steps, you'll be well on your way to financial security. Remember, the key to successful investing is consistency and patience.

Happy investing!

Top New Cryptocurrencies to Watch in 2025 – High-Potential Coins for Investors

Introduction – Why Track New Cryptocurrencies?
The Rising Stars: Promising New Crypto Coins
- Epic Chain (EPIC)
- Koma Inu (KOMA)
- Pudgy Penguins (PPG)
- Pi Network (PI)
- Plume (PLUME)
Factors That Make These Coins Stand Out
Risks and Considerations Before Investing in New Cryptocurrencies
Conclusion – The Future of Emerging Crypto Projects

1. Introduction – Why Track New Cryptocurrencies?

The cryptocurrency landscape is constantly evolving, with new projects emerging every day. While established assets like Bitcoin (BTC) and Ethereum (ETH) dominate the market, newly launched cryptocurrencies often provide high-growth potential, attracting early investors looking for substantial returns.

In this guide, we explore some of the most promising new cryptocurrencies that have been gaining traction in 2025. These projects stand out due to their technology, community engagement, and potential real-world applications.

2. The Rising Stars: Promising New Crypto Coins

🔹 Epic Chain (EPIC) – The Future of High-Speed Transactions

Epic Chain is one of the hottest new blockchain projects, designed for high-speed transactions and enhanced scalability. The platform aims to revolutionize decentralized finance (DeFi) with its lightning-fast processing speed and minimal transaction fees.

Key Features:
- Ultra-fast blockchain transactions
- Seamless integration with DeFi applications
- Energy-efficient consensus mechanism
Why It’s Promising: With a growing ecosystem and strong technical foundation, Epic Chain has been frequently mentioned among the most popular coins on CoinGecko.

🔹 Koma Inu (KOMA) – The Next Big Meme Coin?

Following the success of Shiba Inu and Dogecoin, Koma Inu has emerged as the latest community-driven meme coin. Unlike traditional meme coins, KOMA integrates DeFi utilities to enhance its value beyond speculative trading.

Key Features:
- Strong social media-driven community
- Staking and reward system for long-term holders
- Limited supply mechanism to prevent inflation
Why It’s Promising: Meme coins tend to rise due to hype and community engagement. Koma Inu's well-planned tokenomics and active community could lead to massive gains.

🔹 Pudgy Penguins (PPG) – NFTs and DeFi Integration

Pudgy Penguins started as an NFT collection but has since evolved into a full-fledged blockchain project. With a focus on NFT staking and DeFi integrations, it aims to bring real value to digital collectibles.

Key Features:
- NFT-based gaming and rewards system
- DeFi integration with yield farming opportunities
- Expanding ecosystem with mainstream partnerships
Why It’s Promising: The growing NFT market and the need for utility-driven digital assets make PPG a coin to watch.

🔹 Pi Network (PI) – The Mobile Mining Revolution

Pi Network is one of the most widely talked-about projects in the crypto space, offering users the ability to mine cryptocurrency directly from their mobile devices.

Key Features:
- Mobile-friendly mining system (no expensive hardware required)
- Secure and scalable blockchain network
- Strong global user base with over 10 million active users
Why It’s Promising: The accessibility of mobile mining makes Pi Network a strong candidate for mass adoption in emerging markets.

🔹 Plume (PLUME) – The Future of Privacy Coins

Plume is a rising star among privacy-focused cryptocurrencies. Built with advanced encryption technology, it aims to offer users complete anonymity and security in transactions.

Key Features:
- End-to-end encrypted transactions
- Decentralized identity verification system
- High liquidity due to exchange partnerships
Why It’s Promising: Privacy concerns in digital transactions are growing, making Plume a valuable asset for users seeking financial anonymity.

3. Factors That Make These Coins Stand Out

Investors looking for potential high-growth crypto assets should consider the following factors when analyzing new projects:

Technology & Use Case: Projects with strong technical foundations tend to succeed in the long run.
Community Support: An active user base can drive adoption and token value.
Tokenomics & Supply: Limited supply and deflationary mechanisms can enhance long-term price appreciation.
Regulatory Compliance: Compliance with government regulations can impact long-term sustainability.

4. Risks and Considerations Before Investing in New Cryptocurrencies

While investing in new cryptocurrencies can be highly rewarding, it also comes with significant risks:

High Volatility: Prices of new coins can fluctuate rapidly.
Scams & Rug Pulls: Many new projects fail or are abandoned, leading to investor losses.
Lack of Liquidity: Some new coins struggle with low trading volume, making it difficult to sell holdings.
Regulatory Uncertainty: Governments may impose restrictions on new cryptocurrencies.

Always conduct thorough research and only invest what you can afford to lose.

5. Conclusion – The Future of Emerging Crypto Projects

New cryptocurrencies continue to reshape the digital asset landscape, providing unique opportunities for investors. Coins like Epic Chain, Koma Inu, Pudgy Penguins, Pi Network, and Plume have strong foundations and growing communities that could drive future adoption.

However, as with any investment, due diligence is key. Investors should stay informed, analyze market trends, and diversify their portfolios to mitigate risks while taking advantage of emerging opportunities in the crypto space.

⚠️ Disclaimer: Cryptocurrency investments are highly volatile and involve risk. Always conduct independent research before making any investment decisions.

BlackRock's Perspective on Institutional Bitcoin Demand Amid Economic Downturn

As the cryptocurrency market continues to evolve, institutional interest in Bitcoin remains a focal point. BlackRock, the world's largest asset manager, has been at the forefront of integrating digital assets into traditional finance. Recently, discussions have emerged regarding the adequacy of institutional demand for Bitcoin and how economic downturns might influence its adoption and price trajectory.

BlackRock's Stance on Bitcoin as a Non-Risky Asset

Robert Mitchnick, BlackRock's Head of Digital Assets, recently challenged the notion of Bitcoin being categorized as a risky asset. In an interview with CNBC, Mitchnick emphasized Bitcoin's unique attributes

"Bitcoin is global, scarce, non-sovereign, and decentralized."

He criticized the industry's self-imposed classification of Bitcoin as a risky asset, suggesting that such a perspective is misguided.

Economic Recession as a Catalyst for Bitcoin

The potential of an economic recession acting as a catalyst for Bitcoin's growth has been a topic of interest. Mitchnick highlighted that some of BlackRock's long-term Bitcoin holders view current market corrections as buying opportunities, remaining unfazed by economic challenges.

Current Bitcoin Market Dynamics

As of recent analyses, Bitcoin is trading around $83,300, encountering resistance near the 200-day exponential moving average (EMA) at approximately $85,500. A clear break above this resistance could pave the way for further recovery. Additionally, U.S. spot Bitcoin ETFs have recorded consecutive days of net inflows this week, indicating renewed investor interest.

BlackRock's Commitment to Bitcoin Integration

BlackRock has played a pivotal role in institutional Bitcoin adoption through its iShares Bitcoin Trust ETF, which boasts $48.7 billion in net assets, making it the largest among Bitcoin investment products.

Conclusion

BlackRock's insights and actions underscore a growing institutional recognition of Bitcoin's potential, even amid economic uncertainties. As the landscape of digital assets continues to mature, the perspectives of leading asset managers like BlackRock will likely influence broader adoption and integration strategies.

Disclaimer: Cryptocurrency investments are subject to market risks. Conduct thorough research before making investment decisions.