Wednesday, February 5, 2020

6A - Identifying Opportunities in Economic & Regulatory Trends


·        Economic Trend Opportunity: Influence Consumers to Buy U.S. Products
o   I see the trade deficit narrowing as an opportunity to create a way to influence consumers to purchase products made in the U.S. that may be cheaper now than they were before.
o   There could be two main customers – the end consumer and the business selling to the producer.
o   I feel this opportunity could be easy to exploit. Consumers want information that is easily and quickly accessed, especially when it comes to their own money.
o   I see this as an opportunity most likely due to the nature of my job. In my role, I act as an internal consultant to my business to help us identify external trends that may impact how hiring needs. So, I am constantly looking at trends and having to evaluate both sides.
·        Economic Trend Opportunity: Investing at the End of a Bull Cycle
o   I see this as an opportunity to provide guidance to individual investors about how they should have their investments structured if they are anticipating the bull market to end.
o   The customer would be individual investors that have retirement plans, cash investments, or are looking to start investing now.
o   I feel this opportunity could be easy to exploit. The average investor does not do a lot of research. If there is an opportunity for them to get guidance from someone else about how to make more money, they will.
o   I see this as an opportunity due to how active I am with my own retirement investments. I read multiple financial publications daily and I love helping others.
·        Regulatory Change Opportunity: Informing Mortgage Customers of APR Savings
o   I see this as an opportunity to provide automatic updates of potential APR savings to current mortgage customers when rate cuts happen.
o   The customer would be individuals who currently have a mortgage.
o   I feel this opportunity could be easy to exploit due to mortgage customers willingness to refinance in order to save money.
o   I see this as an opportunity because I am currently in the market to transition from renting to owning a home. I am constantly checking rates and I am sure I will continue to do so even after I purchase a home so I can refinance and save money.
·        Regulatory Change Opportunity: Text Blocking While Driving
o   I see this as an opportunity to automatically block or disable texting abilities when a phone’s GPS is moving above certain speeds.
o   The customer would be the individual phone owners along with the phone manufacturers and phone carriers.
o   This would be extremely difficult to exploit due to texting behaviors and push back from the phone manufacturers and phone carriers.
o   I see this as an opportunity as I am personally focused on not texting while driving, so it is something on my mind daily.

1 comment:

  1. Hey Justin, your blog post was very informative on new regulatory and economic changes. I enjoyed reading about how the trade deficit is shrinking, which is mainly due to renegotiated trade deals that favor the US. I think blocking texting while driving is a great change; there will be fewer accidents and fatalities with this new law.

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