Business

Fake Memphis Associates Checks Arrive Just In Time for Election

Published

4 years ago

November 5, 2020

Memphis Associates personal finance and debt consolidation offers are bait and switch. Memphis Associates has begun flooding the market with debt consolidation and credit card relief offers in the mail with the website mymemphisassociates.com. The problem is that the terms and conditions are at the very least confusing, and possibly even suspect.

The interest rates are so low that you would have to have near-perfect credit to be approved for one of their offers. Best 2020 Reviews, the personal finance review site, has been following Memphis Associates, Tate Advisors, Plymouth Associates, Credit 9, Americor Funding, Safe Path Advisors, Silvertail Associates, etc.).

Best 2020 Reviews closely monitors personal loan offers, debt reduction, and credit card consolidation offers sent through direct mail to consumers.

For the 2020 US Election, finances in America will be a chief topic of discussion. Today, America and the rest of the world is in debt and sinking lower and lower due to the pandemic. More and more money is required for relief packages and people on welfare are bearing the brunt of it. However, will your vote impact your finances in the future? The short answer would be, yes. The person who wins will obviously impact how successful America is in getting back on its feet.

How Will the Result of the Election Impact Your Finances?

This US Election finances have been the topic of a lot of policy decisions for both candidates. If Donald Trump is re-elected, then there’s not likely to be any changes to the tax code. In 2017, the new tax cuts were introduced and they will probably stay. If Joe Biden wins then the Trump Tax Cuts of 2017 may be rolled back slightly or removed altogether. According to the Biden campaign website, anyone making less than $400,000 a year will not face any changes.

Also, Joe Biden has said that he would return the country’s top individual tax bracket back to 39.6%. On the corporate tax side, Biden would raise corporate tax from 21% to 28%. The rate was previously 35% before 2017.

This US Election finances are going to be a huge issue since most people are just scraping to get by and many are in need of some sort of credit card relief. Putting food on the table will actually be a huge issue this time around; more than it’s been for years. Not since the 2008 financial crash have things been this dire in recent memory.

However, consider this; the country is on an unsustainable fiscal path no matter who wins. The fact is that there are far more impactful things than the tax code on your future. So listen closely to these facts.

The government takes in money every year in the form of taxes. If the amount taken in is less than which the government spends, then there will be a deficit. For 2020, the Congressional Budget Office has projected a federal budget deficit of $3.3 trillion. Hence, it means that the US government has spent $6.6 trillion while the budget was only half that. That’s triple the deficit that was recorded in 2019. That’s why this US Election finances have been such a hot topic.

Spending This Holiday Season

There are several things you should keep in mind while spending this holiday season. The COVID-19 pandemic has affected more than just businesses. Millions of people are on welfare and have lost their jobs. The average American carries thousands of dollars’ worth of debt already, hence spending this holiday season is most likely not an option.

Even if you have a considerable amount of money saved up, you should save it. There is no knowing how long the pandemic will last and how the stocks will go down. This US Election finances should be the only thing on your mind and holiday shopping should be postponed. If you don’t spend this holiday season, you’ll at least have a lot of money left over for food, medical bills, and education. If you do, then you’ll probably waste money on something that has very little utility besides the first month.

That doesn’t mean you should spend $0 of course. It just means you shouldn’t splurge. Morning Consult did a survey that showed that this US Election finances are extremely tight for Americans. 39% of those surveyed said that they planned to cut back on gift spending. This was due to the financial squeeze, of course, but also because in person gatherings have been shut down.

Even if somehow you do manage to see your relatives or friends during this time, there won’t be very many. You will likely be spending the holidays with your immediate family members or roommates. If you want to get them a gift or two, go ahead. However, think of a cheaper way to tell them you love them rather than getting that expensive watch or necklace.

Since this US Election finances will be extremely meager for most Americans, it’s important to remember this fact. Gifts that have experiences attached to them are often the most effective. Gifts that are related to your experiences with loved ones create the longest lasting happiness. During COVID-19, those experiences have been few and far between. Hence, getting your loved ones something sappy and sentimental may actually be the best thing for them.

You don’t even have to spend any money for this. You could design a small presentation on your computer or make a video that reminds them of the good times. Or you could spend a little money on a beautiful frame for a sentimental photograph.

Since this US Election finances are tight for everyone, you could just consider helping out as a gift. This doesn’t mean just help out grocery shopping, of course. However, you could help out your neighbors with a handyman job like fixing a pipe. Other odd jobs can including beefing up their computer or installing software or setting up a router. You could even help them put up a shelf or hang their television. Things like these will really speak to your loved ones and show them that you care.

At a time when money is scarce and people are really struggling, you don’t need to shower them with gifts. Just giving them support and showing them you care with small gestures can go a long way. This US Election finances will be one of the most pressing topics for any family. If you can make someone in your own or another family happy for a little while, that’ll be the best gift for them. It won’t cost much, but it’ll mean the world to them.

So remember to save, and spend only on what matters. This US Election finances will be ruling our every thought. That’s why we have to prepare for the worst.

Business

13 Reasons Investors Are Watching Phoenix Energy’s Expansion in the Williston Basin

Published

2 days ago

April 23, 2025

Matthew Wiles

As energy security becomes a growing priority in the United States, companies focused on domestic oil production are gaining attention from investors. One such company is Phoenix Energy, an independent oil and gas company operating in the Williston Basin, a prolific oil-producing region spanning North Dakota and Montana.

Phoenix Energy has established itself as a key player in this sector, expanding its footprint while offering structured investment opportunities to accredited investors. Through Regulation D 506(c) corporate bonds, the company provides investment options with annual interest rates ranging from 9% to 13%.

Here are 13 reasons why Phoenix Energy is attracting investor interest in 2025:

1. U.S. energy production remains a strategic priority

The global energy landscape is evolving, with a renewed focus on domestic oil and gas production to enhance economic stability and reduce reliance on foreign energy sources. The Williston Basin, home to the Bakken and Three Forks formations, continues to play a critical role in meeting these demands. Phoenix Energy has established an operational footprint in the basin, where it is actively investing in development and production.

2. Investment opportunities with fixed annual interest rates

Phoenix Energy bonds offer accredited investors annual interest rates between 9% and 13% through Regulation D 506(c). These bonds help fund the company’s expansion in the Williston Basin, where it acquires and develops oil and gas assets.

3. Record-breaking drilling speeds in the Williston Basin

Phoenix Energy has made significant strides in drilling efficiency, ranking among the fastest drillers in the Bakken Formation as of late 2024. By reducing drilling times, the company aims to optimize operations and improve overall production performance.

4. Expansion of operational footprint

Since becoming an operator in September 2023, Phoenix Energy has grown rapidly. As of March 2025, the company has 53 wells drilled and 96 wells planned over the next 12 months.

5. Surpassing production expectations

Phoenix Energy’s oil production has steadily increased. By mid-2024, its cumulative production had exceeded 1.57 million barrels, outpacing its total output for 2023. The company projected an exit rate of nearly 20,000 barrels of oil equivalent per day by the end of March 2025.

6. High-net-worth investor offerings

For investors seeking alternative investments with higher-yield opportunities, Phoenix Energy offers the Adamantium bonds through Reg D 506(c), which provides corporate bonds with annual interest rates between 13% and 16%, with investment terms ranging from 5 to 11 years, and a minimum investment of $2 million.

7. Experienced team with industry-specific expertise

Phoenix Energy’s leadership and technical teams include professionals with decades of oil and gas experience, including backgrounds in drilling engineering, land acquisition, and reservoir analysis. This level of in-house expertise supports the company’s ability to evaluate acreage, manage operations, and execute its long-term development plans in the Williston Basin.

8. Focus on investor communication and understanding

Phoenix Energy prioritizes clear investor communication. The company hosts webinars and provides access to licensed professionals who walk investors through the business model and operations in the oil and gas sector. These efforts aim to help investors better understand how Phoenix Energy deploys capital across mineral acquisitions and operated wells.

9. Managing market risk through strategic planning

The energy sector is cyclical, and Phoenix Energy takes a structured approach to risk management. The company employs hedging strategies and asset-backed financing to help mitigate potential fluctuations in the oil market.

10. Commitment to compliance

Phoenix Energy conducts its bond offerings under the SEC’s Regulation D Rule 506(c) exemption. These offerings are made available exclusively to accredited investors and are facilitated through a registered broker-dealer to support adherence to federal securities laws. Investors can review applicable offering filings on the SEC’s EDGAR database.

11. Recognition for business practices

As of April 2025, Phoenix Energy maintains an A+ rating with the Better Business Bureau (BBB) and is a BBB-accredited business. The company has also earned strong ratings on investor review platforms such as Trustpilot and Google Reviews, where investors often highlight clear communication and transparency.

12. A family-founded business with a long-term vision

Led by CEO Adam Ferrari, Phoenix Energy operates as a family-founded business with a focus on long-term investment strategies. The company’s leadership emphasizes responsible growth and sustainable development in the Williston Basin.

13. Positioned for long-term growth in the oil sector

With U.S. energy demand projected to remain strong, Phoenix Energy is strategically positioned for continued expansion. The company’s focus on efficient drilling, financial discipline, and structured investment offerings aligns with its goal of building a resilient and growth-oriented business.

Final thoughts

For investors looking to gain exposure to the U.S. oil and gas sector, Phoenix Energy presents an opportunity to participate in a structured alternative investment backed by the company’s operational expansion in the Williston Basin.

Accredited investors interested in learning more can attend one of Phoenix Energy’s investor webinars, which are hosted daily throughout the week. These sessions provide insights into market trends, risk management strategies, and investment opportunities.

For more information, visit the Phoenix Energy website.

Phoenix Capital Group Holdings, LLC is now Phoenix Energy One, LLC, doing business as Phoenix Energy. The testimonials on review sites may not be representative of other investors not listed on the sites. The testimonials are no guarantee of future performance or success of the Company or a return on investment. Alternative investments are speculative, illiquid, and you may lose some or all of your investment. Securities are offered by Dalmore Group member FINRA/SIPC. Dalmore Group and Phoenix Energy are not affiliated. See full disclosures.

This article contains forward-looking statements based on our current expectations, assumptions, and beliefs about future events and market conditions. These statements, identifiable by terms such as “anticipate,” “believe,” “intend,” “may,” “expect,” “plan,” “should,” and similar expressions, involve risks and uncertainties that could cause actual results to differ materially. Factors that may impact these outcomes include changes in market conditions, regulatory developments, operational performance, and other risks described in our filings with the U.S. Securities and Exchange Commission. Forward-looking statements are not guarantees of future performance, and Phoenix Energy undertakes no obligation to update them except as required by law.