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India could see a shift in foreign direct investment (FDI) trends in the second term of Donald Trump (Trump 2.0) as President of the United States, says a research report by the State Bank of India. The report highlighted that under his first term, Trump 1.0, the Trump administration made sweeping regulatory changes aimed at attracting investments back to the U.S., which impacted FDI inflows globally, including India. It added that if similar policies are reintroduced in Trump 2.0 also, it could create challenges for emerging markets like India, which rely on FDI as a significant driver of economic growth. Notably, a recent Kotak report highlighted that a complete Republican control over all arms of the US government would mean increased US earnings via corporate tax cuts, higher tariffs on imports into the US and greater US fiscal deficits. The first two could spell doom for emerging markets like India and China, since foreign investors will make a beeline for investing more money in the US markets, which will come at the cost of intense selloff in emerging markets. However, higher fiscal deficits will eventually lead to the dollar weakening after the initial euphoria dies down. "India may see shifts in foreign direct investments (FDIs) during Trump 2.0. The Trump 1.0 administration saw significant regulatory changes aimed at attracting investments back to the US," the SBI report stated. However, given that India has been gradually diversifying its sources of FDI (foreign direct investments), this trend could serve as a buffer against any potential decline. Moreover, domestic institutional investors have been stepping up big time, maintaining some balance to the massive exodus of FIIs over the past month. So far in November 2024, FIIs have withdrawn Rs 19,849 crores from the cash segment in Indian markets, while DIIs have poured in Rs 14,014.18 crores as of November 10th, 2024. "India is no longer dependent on the traditional sources of FDI inflows... unlike the recent past, FDI is now coming in many new sectors," noted the SBI report. Unlike a decade ago, when most FDI inflows came from a limited number of traditional sectors, India is now attracting investment in a wide array of industries, including renewable energy, sea transport, medical devices, and surgical appliances. Data suggests over the last 24 years, i.e., between April 2000 and June 2024, FDIs have poured in $1,013.4 billion in the Indian economy. Out of this, 67%, i.e., $689.88 billion, has come in just the last 10 years. The report added there are up to 12 emerging sectors showing strong FDI interest, which could help offset any loss of inflows in conventional sectors if there is a shift in global investment patterns under another Trump administration. In the last financial year, the top 5 sectors that have received the highest quantum of FDI inflow include the services sector (finance, banking, insurance, and business) which makes up about 16% of the inflows. This is followed computer software &amp; hardware, which constitute around 15% of total FDI flows. Trading and telecommunications follows with a share of 6% each, and Automobile Industry comes next with a 5% share. In the short term, the potential for increased U.S. tariffs, more restrictive H-1B visa policies, and a stronger dollar could bring some volatility to India's trade and investment landscape. However, in the long term, these challenges might also encourage India to expand its manufacturing capabilities, diversify export markets, and focus on becoming economically more self-reliant. Notably, India has maintained a merchandise trade surplus with the U.S. despite tariffs imposed during Trump's first term. This indicates that Indian exports have remained resilient, and there is potential to strengthen this trade relationship further by capitalizing on emerging sectors and reducing dependency on traditional industries. Suman Chowdhury, Executive Director &amp; Chief Economist, Acuité Ratings &amp; Research Limited cautions that in the medium to long term, the trade relationship with the US may see a structural improvement. "Higher tariff and trade restrictions in the US with China should translate into better opportunities for exports of manufactured goods from India", he adds.

FDIs may shift to US under Trump 2.0 but it is unlikely to severely impact FDIs inflow to India, says SBI Report

Thailand goes visa-free for Indians: Reasons why it’s the ultimate destination for you

<ul class="summary-list"><li>The tech sector is bracing itself for change under a second Trump presidency.</li><li>AI regulation is likely to change under Trump, but major antitrust cases are unlikely to be impacted.</li></ul><a target="_blank" class="" href="https://www.businessinsider.com/donald-trump-wins-presidential-election-race-2024-11">Donald Trump has won the presidency</a> — and the tech world is waiting to see what his administration will mean for key issues like AI regulation, immigration, antitrust issues, and mergers and acquisitions.Trump has promised to assemble a different cabinet for his second time around in the White House. His advisors are likely to include some of the <a target="_blank" class="" href="https://www.businessinsider.com/who-will-be-in-trump-cabinet-billionaires-buiness-leaders-2024-5#doug-burgum-6">business leaders</a> that backed his campaign, not least among them one of the most powerful figures in tech: <a target="_blank" class="" href="https://www.businessinsider.com/trump-praises-elon-musk-a-star-is-born-2024-11">Elon Musk.</a>In an election night speech, Trump showered praise on Musk, marveling at his SpaceX rockets."Elon, he is an amazing guy," Trump said early Wednesday morning.There's a lot at stake for the sector, with a slew of companies facing antitrust battles. And with immigration top of mind for many voters, H-1B visas could be impacted, experts said, dealing a potential blow to tech companies experiencing staffing shortages amid an AI hiring frenzy.Here's how Trump's second term could impact Big Tech.<h2 id="2575ea3e-191a-4962-89ed-6840c2d18465">On the campaign trail, Trump threatened prosecution if reelected</h2>Though Trump has cozied up to one major tech leader — Musk — others are in his crosshairs.While on the campaign trail, Trump threatened retribution against some tech companies, including jailing Meta chief Mark Zuckerberg.During the campaign, he threatened to imprison "election fraudsters," <a target="_blank" class="" href="https://www.businessinsider.com/donald-trump-mark-zuckerberg-sent-prison-elected-truth-social-2024-7">including Zuckerberg</a> — who has a <a target="_blank" class="" href="https://www.businessinsider.com/donald-trump-comments-about-facebook-mark-zuckerberg-feud-history-2024-7">long history with the president</a>; it's unclear whether Trump will follow through on his threats.Trump also <a target="_blank" class="" href="https://www.businessinsider.com/trump-google-break-up-china-comments-2024-10">heavily criticized Google throughout his campaign</a>, calling the tech giant "rigged" for not displaying positive stories about him, saying the company is "very bad" to him, and suggesting he would "do something" about its power.In September, Trump escalated his feud with the company by <a target="_blank" class="" href="https://www.businessinsider.com/donald-trump-threat-prosecute-google-2024-9">threatening to order the Justice Department to prosecute Google</a> "at the maximum levels" during his second term. He accused the tech giant of engaging in illegal behavior and interfering in the election with the stories it displayed on its search results page.The Justice Department usually operates independently of the president; Trump said on the campaign trail that the criminal justice system has been weaponized against him and threatened to do the same to his political rivals.That norm-breaking change could mean more regulatory issues for the likes of Google — if Trump makes good on his promise.<h2 id="65622481-fb0a-4550-93e2-61275ae53f93">Tariffs remain the biggest question mark</h2>Barclays warned in September that the <a target="_blank" class="" href="https://markets.businessinsider.com/news/stocks/trump-tariff-trade-policy-stock-market-outlook-risk-election-china-2024-9?_gl=1*10bnpgv*_ga*MTA5NzkyNzEwMi4xNzA2NzE1NTM1*_ga_E21CV80ZCZ*MTczMDQ4MjMyMC4xMTAyLjEuMTczMDQ4ODIxNi41NS4wLjA.">tech industry would be one of the hardest hit</a> by Trump's plan for wide-ranging tariffs."While the new proposed tariffs would have a modest direct negative impact on corporate earnings if implemented, the second order effects from higher cost inflation and slowing economic growth would be an incremental headwind to corporate earnings and cause further pain," the bank said.Mark Lemley, professor and director of the Stanford Program in Law, Science &amp; Technology, warned that Trump's plan for huge tariffs on foreign goods could also harm tech companies during his second term."A Trump administration will involve a US withdrawal from the world and the imposition of giant tariffs," Lemley told BI. "That is likely to have devastating consequences for US tech companies that sell in foreign markets as well as crippling domestic consumption."Retail analysts told BI that the industry is following the question of tariffs extremely closely."You can look at that in two ways," Global Data's Neil Saunders said. "You can say it's a negotiating strategy, and it won't actually come to pass, or you can say it will come to pass, maybe in a diluted form and not that severe.""It's causing a lot of nervousness," he added.If Trump does follow through on his campaign proposals, it would mean significant changes to the way retailers do business."It would be a massive upheaval to most of the cost structures for these companies," said Chris Walton, a former Target executive.Given the expense of reorganizing supply chains, Walton said large retailers are still researching their options and making any simple adjustments, rather than committing early to a new strategy.<h2 id="a9e008d3-192d-41d1-b89d-665d46e9ce18">On antitrust, 'most of the low-hanging fruit has already been picked'</h2><a target="_blank" class="" href="https://www.businessinsider.com/biden-coporate-monopolies-antitrust-lawsuits-live-nation-amazon-google-meta-2024-5">Antitrust cases are already underway</a> for the major Big Tech companies — including <a target="_blank" class="" href="https://www.businessinsider.com/apple-antitrust-lawsuit-justice-department-2024-3#:~:text=The%20US%20Department%20of%20Justice,what%20they%20deem%20anticompetitive%20tactics.">Apple</a>, <a target="_blank" class="" href="https://www.businessinsider.com/google-doj-battle-best-worst-scenarios-2024-10">Google</a>, <a target="_blank" class="" href="https://www.businessinsider.com/ruling-ftc-meta-facebook-lawsuit-instagram-whatsapp-can-proceed-2022-1">Meta</a>, and <a target="_blank" class="" href="https://www.businessinsider.com/amazon-ftc-lawsuit-partially-dismissed-antitrust-competition-vendor-fulfillment-2024-10">Amazon</a> — but normally, there's not much an incoming president could, or would, do to alter these current cases, George Hay, an antitrust expert and law professor at Cornell University, told Business Insider."It's very rare that, at the presidential level, there's any attempt to influence the course of cases which have already been filed. Those have a life of their own," Hay told BI. "They depend on the judge, the courts, the lawyers who carry on a case. It's extraordinarily unusual for the administration to become at all active."Hay said that, while most presidents wouldn't have any say on existing cases, "Trump is a bit more of a wild card."But he added he couldn't think of "any reason why he would interfere with cases that have already been filed. It would be quite an extraordinary thing to do."While not much is expected to change for current antitrust cases, Hay said, Trump may take a less aggressive approach to antitrust enforcement than Vice President Kamala Harris would have.Besides, Hay said, "most of the low-hanging fruit has already been picked," meaning there are not many new antitrust cases that could be filed against the biggest tech companies.One factor that could change things is who Trump appoints as the Assistant Attorney General leading the antitrust division.Hay said that if Trump appoints an experienced, practicing lawyer, "even if that lawyer is relatively conservative, I don't think things are going to change very much.""The changes we've observed over history are when the Republicans appointed an academic," Hay added. "That's where you see some radical changes."But overall, not much is likely to change on the antitrust front under Trump's second administration, Hay said."So if I had very strong views about antitrust, I could sleep well at night regardless of who gets appointed," Hay said. "Because it's a system with laws and courts and people, and most of the people and most of the courts, and most of the laws are not going to change."<h2 id="91f4c525-6767-4d4e-90f3-4773e832f799">Republicans have historically been 'more merger-friendly'</h2>Hay expected that "more big mergers will be proposed under Trump" while Dan Romanoff, a senior equity research analyst at Morningstar, suggested that Trump was less likely to oppose major deals.More aggressive merger guidelines were put in place under President Joe Biden in 2023; now, under Trump, "those are going to go, and they'll be replaced," Hay said.But still, new guidelines won't have much impact on the biggest tech companies, Hay said.Anna Rathbun, chief investment officer at CBIZ, told Business Insider that M&amp;A activity has been low for the past two years because of low interest rates — not because of an antagonistic attitude from the Biden administration.And the notion that Republicans are more business-friendly could be due to "short-term memory," she said, noting that the first Trump administration sued to <a target="_blank" class="" href="https://www.businessinsider.com/trump-tried-to-block-the-att-time-warner-merger-to-spite-cnn-report-2019-3">block a merger</a> between AT&amp;T and Time Warner.While a Republican administration is usually considered to be more business-friendly, Walton said it might not be so straightforward under Trump."It can wax and wane to whatever the flavor of the month is in terms of where his administration wants to focus, or who he wants to benefit," he said.<h2 id="fa61ac75-e5d0-4af3-b58d-8b628e7f0f02">Restricting H1-B visas could damage America's competitive edge</h2>Trump made a widespread immigration crackdown a centerpiece of his 2024 campaign — and now that he's president, that could impact an <a target="_blank" class="" href="https://www.businessinsider.com/inside-the-ai-hiring-frenzy-big-tech-talent-war-2024-3">understaffed tech sector</a> relying on H1-B visas as the AI hiring wars rage on.National security concerns — with two current wars — are vastly different than when Trump wanted to restrict H1-Bs during his first term, Rathbun told BI. But at the same time, "we have a worker shortage," she added.Experts fear that, if H1-Bs are restricted under the second Trump administration, the US could lose its competitive edge on the world stage."You shouldn't ban exports on chips and then completely export the talented labor," Rathbun said. "That makes no sense."James Brundage, Ernst &amp; Young's global and Americas technology sector leader, added that any company relying on overseas hiring will be challenged in coming years.Three of the five largest companies in the world have immigrant CEOs, he said. He added that, while the US has built up a tech lead over decades, "you can see how that could slow."And as retailers like Walmart and Target become increasingly tech-like, a crackdown on high-skilled immigrant talent could complicate their business, Saunders and Walton said.Some think Trump may not follow through on his rhetoric once he takes office in January.Valerie Wirtschafter, a fellow at the Brookings Institution's Foreign Policy, Artificial Intelligence and Emerging Technology Initiative, told BI she thought the Trump administration would prioritize US leadership and "maintaining that lead at all costs."She added that, if bringing talent in through H1-B visas keeps the US competitive, even if it's at odds with Trump's campaign promises, "I think they'll find some way to reconcile or ignore some of those campaign promises, too."<h2 id="6145404f-90b3-4477-b7c6-aad82b231607">Trump's vow to rescind Biden's AI order could be 'double-edged'</h2>Trump has not provided many specific details about what AI policies he would pursue — though he did <a target="_blank" class="" href="https://www.businessinsider.com/trump-ai-dangerous-still-posts-ai-memes-truth-social-x-2024-8">call the technology "very dangerous"</a> after posting AI-generated images of "Swifties for Trump.""Our instinct is that Trump would be more hands-off and Harris would be more hands-on," Romanoff said of AI regulation.One thing Trump has <a target="_blank" class="" href="https://www.businessinsider.com/trump-harris-presidency-impact-ai-artificial-intelligence-2024-10">promised is to rescind Biden's executive order on AI</a>, which outlines policies around AI governance, promoting competition, and addressing AI-enabled threats. Trump had said the order challenges free speech.Wirtschafter told BI that repealing Biden's order would be a mixed bag for tech companies."I think it's double-edged in some sense where, of course, less regulation, less reporting, less bureaucratic hoops to jump through, that's all good and great," Wirtschafter said.But she added that rescinding the order could also be "somewhat unsettling," adding, "Some of these companies do want some sort of road map for this technology, and the more harmonized it can be, the better."

What's next for tech giants like Google, Apple, and Microsoft now Trump has won

Thailand to Maldives: Countries that offer visa-on-arrival for Indians

<ul class="summary-list"><li>BRICS' Kazan Declaration on Wednesday contained 134 points — and only one discussed the Ukraine war.</li><li>That point was a call for all parties to abide by UN standards, despite Russia hosting this year.</li></ul>Over two dozen world leaders at this year's BRICS summit ended Wednesday's talks with the Kazan Declaration, a 134-point summary of their agreements.The war in Ukraine was only mentioned once in the 43-page document, and though Russian leader Vladimir Putin hosted the event, its wording is a far cry from the Kremlin's preferred rhetoric.That single paragraph contained none of Russia's usual talking points, instead urging all parties to act in accordance with United Nations standards — a more neutral statement often used by nations like China."We emphasize that all states should act consistently with the Purposes and Principles of the UN Charter in their entirety and interrelation," the document reads. "We note with appreciation relevant proposals of mediation and good offices, aimed at a peaceful resolution of the conflict through dialogue and diplomacy."<a target="_blank" class="" href="https://www.understandingwar.org/backgrounder/russian-offensive-campaign-assessment-october-23-2024">The Institute for the Study of War</a> wrote on Wednesday that the language in the document shows that Russia, despite its leading position at the summit, still isn't able to shape the stances of friendly world leaders on its war."The Kazan Declaration notably only mentioned Russia's war in Ukraine once," the Washington-based think tank wrote.Russia has denied the sovereignty of Ukraine and said its invasion is justified as a <a target="_blank" class="" href="https://www.businessinsider.com/putin-said-invaded-ukraine-stop-nato-expanding-has-achieved-opposite-2022-5">counter to NATO's expansion</a> and due to <a target="_blank" class="" href="https://www.businessinsider.com/putin-tries-justifying-ukraine-war-denazification-zelensky-jewish-president-2022-2">debunked allegations that Ukraine is a Nazi-run state.</a>The declaration "demonstrated that Russia has not yet secured the international support nor created the alternative security structure that the Kremlin desires," ISW added.That's significant because Moscow has been trying to get its allies on board with its invasion while the West isolates the Russian economy in response. The US and Ukraine have repeatedly accused China, a founding BRICS member, of supplying Russia with weapons parts and economic support.Yet several founding members of the BRICS group, such as Brazil and India, still maintain strong economic ties with the US amid its support for Kyiv.The Kazan Declaration, meanwhile, condemned Israeli actions in the Middle East in five points, including criticism of a strike on the <a target="_blank" class="" href="https://www.businessinsider.com/deadly-israeli-strike-syria-could-put-us-forces-crosshairs-iran-2024-4">Iranian consulate in Syria</a>, <a target="_blank" class="" href="https://www.businessinsider.com/israel-attack-lebanon-hezbollah-past-invasion-2024-10">Tel Aviv's invasion of southern Lebanon</a>, and the <a target="_blank" class="" href="https://www.businessinsider.com/israel-gaza-hamas-civilian-casualties-children-deaths-airstrikes-palestinian-2023-10">war in Gaza.</a>World leaders also spent two paragraphs discussing the South Sudanese Civil War.The summit also exposed the difficulties that Western sanctions have inflicted on life in Russia. Leaders met in Kazan, which is in the southwestern Republic of Tatarstan region.Business Insider's Huileng Tan wrote that organizers said <a target="_blank" class="" href="https://www.businessinsider.com/dedollarization-russia-brics-summit-foreign-attendees-cash-usd-euros-putin-2024-10">card transactions there</a> would be unavailable due to restrictions on Mastercard and Visa cards issued outside Russia.Attendees were instead asked to bring cash in US dollars or euros — the same currencies that Putin has been trying to get his allied countries to drop — to exchange for rubles at Russian banks.

BRICS' new declaration shows Russia's war still can't get the international backing that Moscow wants

<ul class="summary-list"><li>I moved to the US in 2010 for grad school in New York City.</li><li>I planned to return to Argentina and continue my career there.</li></ul>When I applied to a <a target="_blank" class="" href="https://www.businessinsider.com/how-to-get-a-degree-while-working-full-time-job-2019-8">master's degree program in the US</a>, I didn't plan to move permanently.I thought <a target="_blank" class="" href="https://www.businessinsider.com/columbia-university-nemat-shafik-president-resigns-2024-8">I'd attend Columbia</a> Journalism's 10-month program and then move back to Argentina, where I had left a boyfriend, my cat, a fully furnished apartment, and every member of my family.<a target="_blank" class="" href="https://www.businessinsider.com/gen-z-college-students-renege-job-offers-tech-rescinded-2024-7">When I got a job offer after graduating</a>, my dad insisted I should at least give New York City a try for a year.One thing led to the next, and I've been in the US for 14 years. I'm married and have three kids, and I recently <a target="_blank" class="" href="https://www.businessinsider.com/questions-i-was-asked-in-my-us-citizenship-test-2021-12">became an American citizen</a> so I could vote.Becoming a mom made me care more about politics. I want to do my part as a parent to ensure my three kids have a future full of opportunities.<h2 id="28755b18-7124-4da2-a3ef-c919763ff5ae">For years, I had to explain why I couldn't vote</h2>Every time an election came around, people would ask me <a target="_blank" class="" href="https://www.businessinsider.com/when-women-got-the-right-to-vote-american-voting-rights-timeline-2018-10">why I hadn't voted</a>.When <a target="_blank" class="" href="https://www.businessinsider.com/got-married-to-husband-three-times-less-than-a-year-2022-2">I got married to my husband</a>, family and friends assumed that because he was American, I would automatically be able to vote. It's not that simple. For a while after getting married I was still on a work visa, so legally I was still not eligible.Then, I decided to become a resident and <a target="_blank" class="" href="https://www.businessinsider.com/big-tech-green-card-applications-pause-2024-5">applied for a green card</a> through marriage.I remember the <a target="_blank" class="" href="https://www.businessinsider.com/what-its-like-immigrating-to-us-for-love-from-new-zealand-2022">interview for my green card</a> vividly. My husband and I had to prove that we were in a real relationship. We brought albums from our weddings, and I held our 4-month-old baby in my arms, trying to soothe him back to sleep. When the officer asked if I planned to overthrow the government, my sleep-deprived brain thought he asked whether I was going to "respect the government," to which I replied, "Yes." The officer stopped, my husband looked at me in shock, and I said, "Wait, what was the question?"The officer asked again. I answered correctly, and I sighed in relief when I was approved.Again, many people wrongly assumed that meant I could finally vote.<h2 id="a302a9d8-4a34-4659-a036-b7fceb00f28b">I became an American citizen at the end of 2021</h2>My <a target="_blank" class="" href="https://www.businessinsider.com/moved-from-nyc-to-portland-maine-differences-surprises-2024-7">three kids were born in the US</a> and are American citizens. I worried about all of my family but me having American passports. One of my biggest fears was being separated from them at the US border when traveling back from vacations — I had been questioned extensively in the past despite having a valid work visa. So, after being on a green card for four years, I decided to apply for American citizenship.My main motivators were my kids. I wanted to ensure that we would never be separated because of our nationalities. I also wanted to be able to help make decisions about their future. One major way to do that was through voting.I took my citizenship test in November 2021. I was over-prepared and lost many nights of sleep. Weeks later, I was invited to my swearing ceremony and became a naturalized citizen.<h2 id="2151fc72-b7ca-4284-b7ae-116a2cbf4652">This is the first year I will vote for president</h2>Since becoming a citizen, I have participated in all local elections. In Argentina, voting is mandatory, and so I take the responsibility seriously.For the first time, I will vote for a US president, and I'm doing it because of my kids. I want to be able to cast my vote for their future since they can't vote yet.Whatever happens, it'll be a memorable election for me — I will finally get my "I voted" sticker.

I became an American citizen so I could vote. I want to have a say in my children's future.

<ul class="summary-list"><li>The US Department of Justice filed a lawsuit accusing Visa of engaging in <a target="_blank" class="" href="https://www.businessinsider.com/visa-investigation-justice-department-possible-anticompetitive-practices-wsj-2021-3">anticompetitive behavior</a>.</li><li>Prosecutors say the financial giant's monopolistic actions affect "the price of nearly everything."</li></ul>Visa is in the antitrust crosshairs.The US Department of Justice filed a lawsuit on Tuesday arguing that the payment processing giant illegally maintained a monopoly with anti-competitive behavior and imposed unfair costs on customers and merchants."We allege that Visa has unlawfully amassed the power to extract fees that far exceed what it could charge in a competitive market," Attorney General Merrick Garland said in a statement. "Merchants and banks pass along those costs to consumers, either by raising prices or reducing quality or service. As a result, Visa's unlawful conduct affects not just the price of one thing — but the price of nearly everything."Visa did not immediately respond to Business Insider's request for comment on the lawsuit.In the complaint, filed in the Southern District of New York, prosecutors said Visa handles more than 60% of US debit transactions, earning the company more than $7 billion in fees a year.Visa's use of "generous monetary incentives and threatening punitive additional fees" enable the company to maintain an illegal monopoly in the debit card processing market, prosecutors said.The suit follows a yearslong investigation that followed <a target="_blank" class="" href="https://www.businessinsider.com/plaids-blocked-acquisition-was-a-shocking-shift-vcs-say-2021-1">Visa's attempted $5.3 billion acquisition of fintech company Plaid</a>, which the Department of Justice sued to block in 2020. The two companies abandoned the deal the following year.Visa acknowledged that the Department of Justice was planning to investigate its US debit card business in a 2021 <a target="_blank" class="" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1403161/000140316121000020/v-20210319.htm">filing</a> with the SEC.A key issue under scrutiny is the use of security tokens, which can be used to block the routing of payments to other networks. Rival MasterCard settled a similar matter with the Federal Trade Commission in 2022.While the scrutiny of Visa pre-dates the Biden Administration, this latest action is one of <a target="_blank" class="" href="https://www.businessinsider.com/biden-coporate-monopolies-antitrust-lawsuits-live-nation-amazon-google-meta-2024-5">several crackdowns on middlemen companies</a> that the White House argues are raising costs for American consumers."Anticompetitive conduct by corporations like Visa leaves the American people and our entire economy worse off," Principal Deputy Associate Attorney General Benjamin Mizer said in a statement. "Today's action against Visa reminds those who would stifle competition rather than competing on price or investing in innovation that the Justice Department will never hesitate to enforce the law on behalf of the American people."

US Justice Department hits Visa with antitrust lawsuit over its debit card business

<ul class="summary-list"><li>Former first lady Melania Trump has remained an enigmatic figure since Donald Trump entered politics.</li><li>Born in Slovenia, she moved to the US for her modeling career and became a naturalized citizen.</li></ul>Former first lady Melania Trump has remained an enigmatic figure since her husband, former President Donald Trump, launched his political career.Born in Slovenia, she moved to the US to pursue modeling and made history as the first naturalized citizen to become first lady. During her time in the White House, she focused on children's health and well-being with her <a target="_blank" class="" href="https://www.businessinsider.com/melania-trump-be-best-campaign-details-2018-5">Be Best</a> initiative and sparked controversy with her fashion statements.A self-described "private person," she has rarely campaigned or granted interviews.Here's a look at Melania Trump's life, career, and <a target="_blank" class="" href="https://www.businessinsider.com/trump-melania-stormy-daniels-affairs-marriages-timeline-2018-3">marriage to Donald Trump</a>.<h2 id="90192e5d-5ca1-4083-a84e-9bdc2fd369e0">Melania Trump's early life and upbringing</h2>Melania Trump, 54, was born Melanija Knavs on April 26, 1970, in Novo Mesto, Slovenia, which was then part of Yugoslavia. Her mother, Amalija Knavs, worked in the fashion industry as a patternmaker at a textile factory. Her father, Viktor Knavs, was a car salesman. She has one sister, Ines Knauss, and a half-brother, Denis Cigelnjak.<div type="image" title="Melania Trump's childhood home in Sevnica, Slovenia." height="683" width="1024" msid="113883421" hostid="261" sizebytes="139624"></div>Melania Trump has said that she speaks English, Italian, French, and German in addition to her native Slovenian.<h2 id="80d16b8c-8bfb-49fb-bfa0-b0593462b604">Melania Trump's modeling career</h2>At 5 feet 11 inches tall, Melania Trump was scouted by photographer Stane Jerko in Slovenia in 1987. She dropped out of architecture school to pursue modeling, appearing on runways in Paris and Milan before moving to the US on a tourist visa in 1996.Melania Trump posed nude for photos that appeared in a French edition of GQ in 1996. The New York Post resurfaced the photos in 2016 during <a target="_blank" class="" href="https://www.businessinsider.com/melania-trump-book-claims-roger-stone-behind-leaked-nudes-2019-12">Donald Trump's presidential campaign</a>. She also posed nude on Donald Trump's Boeing 727 private plane for GQ in 2000. That same year, she appeared in the swimsuit issue of Sports Illustrated.<div type="image" title="Melania Trump poses in front of the Sports Illustrated swimsuit issue." height="874" width="1165" msid="113883415" hostid="261" sizebytes="76730"></div>In a post on X in 2024, Melania Trump said that she stands proudly behind her <a target="_blank" class="" href="https://www.businessinsider.com/melania-trump-nude-modeling-honor-bodies-memoir-2024-9">nude modeling work</a>, calling it a "celebration of the human form.""Throughout history, master artists have revered the human shape, evoking profound emotions and admiration," she said. "We should honor our bodies and embrace the timeless tradition of using art as a powerful means of self-expression."<h2 id="3c9a5fc7-9e8e-46a3-a620-e7b209c1edd2">Melania Trump's citizenship and immigration</h2>Melania Trump became a <a target="_blank" class="" href="https://www.businessinsider.com/melania-trump-immigrant-first-lady-speech-national-archives-2023-12">naturalized US citizen</a> in 2006 and is the first naturalized citizen to serve as first lady of the United States.Speaking at a naturalization ceremony at the National Archives in a rare public appearance in 2023, she recalled navigating a "labyrinth" of paperwork while obtaining her worker visa and becoming a US citizen.<div type="image" title="Melania Trump speaks at the National Archives" height="683" width="1024" msid="113883416" hostid="261" sizebytes="29192"></div>Melania Trump is the second first lady to be born outside the US. The first was Louisa Catherine Adams, the wife of President John Quincy Adams.<h2 id="8b5da627-c413-4b6c-b9e0-5ab233e59561">When Melania Trump met Donald Trump</h2><a target="_blank" class="" href="https://www.businessinsider.com/donald-melania-trump-relationship-timeline-2018-11">Melania and Donald Trump</a> met in 1998 when she was 28 years old at a party thrown by their mutual friend, Paolo Zampolli. At the time, Donald Trump was separated from his second wife, Marla Maples. Their divorce was finalized in 1999.The couple briefly broke up in 2000 but reconciled a few months later. Donald Trump proposed in 2004 with a 15-carat, $1.5 million engagement ring.<h2 id="54bf411f-9848-4517-880a-e66f0f7a9622">Melania Trump's marriage to Donald Trump</h2><a target="_blank" class="" href="https://www.businessinsider.com/trump-family-weddings-photos-details-2022-11">Melania Trump and Donald Trump's wedding</a> took place on January 22, 2005.The ceremony was held at the Bethesda-by-the-Sea Episcopal Church in Palm Beach, Florida, and Donald Trump's <a target="_blank" class="" href="https://www.businessinsider.com/inside-trump-mar-a-lago-club-photos-2018-1">Mar-a-Lago club</a> hosted the reception. <a target="_blank" class="" href="https://www.businessinsider.com/first-ladies-wedding-dress-photos-2020-9">Melania Trump's wedding dress</a> was designed by Christian Dior and embellished with 1,500 crystals and pearls.They welcomed a son, Barron Trump, in 2006.<div type="image" title="Donald Trump and Melania Trump at Mar-a-Lago." height="715" width="1024" msid="113883417" hostid="261" sizebytes="74640"></div>Adult film star <a target="_blank" class="" href="https://www.businessinsider.com/who-is-stormy-daniels-porn-star-affair-donald-trump-2018-1">Stormy Daniels</a> said that she had an affair with Donald Trump after Melania Trump gave birth in 2006. In the first-ever criminal trial of a former US president, <a target="_blank" class="" href="https://www.businessinsider.com/trump-hush-money-trial-verdict-2024-5">Donald Trump was found guilty</a> on all 34 counts of falsifying business records to cover up a $130,000 hush-money payment made to Daniels 11 days before the 2016 election. Donald Trump has denied ever having an affair with Daniels.After The Wall Street Journal broke the news of the <a target="_blank" class="" href="https://www.businessinsider.com/trump-role-stormy-daniels-mcdougal-payments-michael-cohen-2018-11">alleged affair</a> in 2018, Melania Trump retreated from public appearances. She canceled a trip to Davos, Switzerland, that she was scheduled to make with Donald Trump and flew to Mar-a-Lago instead. She also did not acknowledge their wedding anniversary or <a target="_blank" class="" href="https://www.businessinsider.com/melania-trumps-stormy-daniels-valentines-day-silence-2018-2">Valentine's Day</a> on social media as she had in past years. Upon returning to the White House, the Trumps broke protocol by arriving separately to board <a target="_blank" class="" href="https://www.businessinsider.com/melania-donald-trump-break-tradition-following-affair-allegations-2018-2">Marine One</a>.<a target="_blank" class="" href="https://www.businessinsider.com/melania-humiliated-trump-affairs-former-aide-stormy-daniels-2023-4">Stephanie Winston Wolkoff</a>, who was friends with Melania Trump for 15 years, told Page Six that silence is the former first lady's "weapon of choice and her protective armor."<h2 id="28292c1c-d166-46fc-b23d-e6d2a08032ad">Melania Trump's time as first lady</h2>Melania Trump largely remained away from the campaign trail during Donald Trump's 2016 presidential run, but caused controversy when she appeared to copy parts of her speech at the Republican National Convention from <a target="_blank" class="" href="https://www.businessinsider.com/melania-trump-takes-center-stage-night-one-gop-convention-2016-7">Michelle Obama's 2008 Democratic National Convention speech</a>.She continued to keep a low profile when Donald Trump was elected to the White House, <a target="_blank" class="" href="https://www.businessinsider.com/melania-barron-trump-white-house-2016-11">staying behind in New York City</a> with their son, Barron, so that he could finish the school year.As first lady, Melania Trump spearheaded Be Best, a campaign focused on promoting children's health and well-being, combating online bullying, and educating communities about opioid addiction. She also visited Ghana, Kenya, Malawi, and Egypt on a solo trip focused on children's health in 2018.<div type="image" title="Melania Trump speaks in the White House Rose Garden with a &quot;Be Best&quot; banner in the background." height="1382" width="2000" msid="113883422" hostid="261" sizebytes="55656"></div>She often appeared in sunglasses that obscured much of her face, sparking an unsubstantiated <a target="_blank" class="" href="https://www.businessinsider.com/melania-trump-secret-service-agent-body-double-conspiracy-2017-10">conspiracy theory</a> that she had a body double who would stand in for her at events. Melania Trump's then-spokesperson, <a target="_blank" class="" href="https://www.businessinsider.com/melania-trump-stephanie-grisham-book-falling-out-2021-10">Stephanie Grisham</a>, debunked the theory, and Donald Trump slammed reports about the rumors, saying that "fake news" was "only getting more deranged with time!"Melania Trump occasionally wore outfits that proved controversial. In 2017, she wore a $51,500 Dolce &amp; Gabbana jacket at the G7 Summit in Italy that garnered criticism for its steep price tag. She was also criticized for wearing Manolo Blahnik pumps to board Marine One on her way to visit sites impacted by Hurricane Harvey.<div type="image" title="Melania Trump gets into an SUV wearing a green jacket with white writing on the back that reads, &quot;I really don't care, do U?&quot;" height="1000" width="1500" msid="113883419" hostid="261" sizebytes="113964"></div>In 2018, Melania Trump attracted more controversy when she flew to Texas to visit children at a government immigration facility while wearing a <a target="_blank" class="" href="https://www.businessinsider.com/first-ladies-fashion-controversial-outfits-2021-10">Zara jacket that read "I really don't care, do U?"</a>Grisham told Business Insider at the time, "It's a jacket. There was no hidden message."Months later, Melania Trump told ABC News that the message was directed at "the <a target="_blank" class="" href="https://www.businessinsider.com/melania-trump-says-she-may-be-the-most-bullied-person-in-the-world-2018-10">left-wing media</a> who are criticizing me," which she said may make her the "most bullied person in the world."<h2 id="c413b8db-6005-4bb6-af07-8302254e25e9">Melania Trump's post-White House life</h2>Donald Trump and Melania Trump skipped President Joe Biden's inauguration in 2021 and moved back to Mar-a-Lago. The Palm Beach club remained her primary residence, though she made occasional visits to Trump Tower in New York City.She attended <a target="_blank" class="" href="https://www.businessinsider.com/donald-trump-running-for-president-2024-campaign-announcement-2022-11">Donald Trump's presidential campaign launch</a> event in 2022, but did not join her husband at most campaign stops and rallies.<div type="image" title="Melania Trump enters Trump Tower wearing a black top and brown skirt, carrying a Chanel bag." height="1459" width="1945" msid="113883423" hostid="261" sizebytes="97100"></div>Donald Trump addressed <a target="_blank" class="" href="https://www.businessinsider.com/melania-refused-to-campaign-but-will-soon-according-to-trump-2023-9">Melania Trump's absence</a> on "Meet the Press" in 2023, telling moderator Kristen Welker, "She's a private person, a great person, a very confident person, and she loves our country very much.""And honestly, I like to keep her away from it," he said of the campaign trail. "It's so nasty and so mean."In 2023, she attended <a target="_blank" class="" href="https://www.businessinsider.com/melania-trump-attends-rosalynn-carter-funeral-former-first-ladies-2023-11">Rosalynn Carter's funeral</a> along with former first ladies Hillary Clinton, Laura Bush, and Michelle Obama.In a rare joint appearance, she accompanied Donald Trump to vote in Florida's 2024 primary election.<div type="image" title="Donald Trump and Melania Trump" height="1667" width="2500" msid="113883425" hostid="261" sizebytes="238076"></div>Melania Trump attended the final night of the <a target="_blank" class="" href="https://www.businessinsider.com/republican-national-convention-rnc-biggest-moments-speeches-photos-2024-7">2024 Republican National Convention</a> and joined Donald Trump onstage after his address, but did not give a speech herself.She did not appear in the courtroom during <a target="_blank" class="" href="https://www.businessinsider.com/jill-biden-and-melania-trump-have-different-trial-attendance-strategies-2024-6">Donald Trump's hush-money trial</a>.<a target="_blank" class="" href="https://www.businessinsider.com/melania-conspiracy-trump-assassination-attempt-book-promotion-video-2024-9">Melania Trump's memoir</a>, titled "Melania," is due to be released on October 8, 2024."As a private person who has often been the subject of public scrutiny and misrepresentation, I feel a responsibility to clarify the facts," she said in a post on X.<h2 id="53f3967d-b8b6-4432-905c-328d5ef25bb3">Donald Trump and Melania Trump's net worth</h2>Melania Trump's individual net worth is unclear, but Donald Trump was worth an estimated $3.9 billion as of October 2024, according to <a target="_blank" class="" href="https://www.forbes.com/profile/donald-trump/">Forbes</a>.

What to know about Melania Trump's life, career, and marriage to Donald Trump

<ul class="summary-list"><li>Australia plans to cut new international student enrollment by a third next year.</li><li>The cap follows a surge in international students post-pandemic, straining the rental market.</li></ul><a target="_blank" class="" href="https://www.businessinsider.com/australia-law-right-to-disconnect-ignore-calls-after-hours-work-2024-8">Australia</a> is capping new international students next year, in an effort to curb record migration.The country plans to limit <a target="_blank" class="" href=" https://www.businessinsider.com/how-employers-can-support-international-students-job-seekers-2022-3">international student</a> enrollments to 270,000 in 2025, Australian education minister announced on Tuesday. In 2023, there were just over 400,000 new international students."There's about 10% more <a target="_blank" class="" href="https://www.businessinsider.com/studying-abroad-in-north-korea-isolating-surreal-friendships-made-2024-7">international students</a> in our universities today than before the pandemic, and about 50% more in our private vocational and training providers," education minister Jason Clare said in a press briefing on Tuesday. "These reforms are designed to make it better and fairer, and set it up on a more sustainable footing going forward."The government will assign each university or vocational institute an individual limit.Australia has about 718,000 total <a target="_blank" class="" href="https://www.businessinsider.com/work-visa-moved-usa-canada-immigrants-2024-7">international students</a>, <a target="_blank" class="" href="https://www.businessinsider.com/us-diplomat-chinese-students-should-not-access-sensitive-tech-2024-6">primarily from China</a>, India, and Nepal, according to 2024 education department <a target="_blank" class="" href="https://www.education.gov.au/international-education-data-and-research/international-student-numbers-country-state-and-territory">figures</a>.Curbs on migration were first announced in December, when Australia said it would tighten visa scrutiny for graduates and require students to secure higher scores on their English proficiency tests.The restrictions come after a period of concessions to encourage foreign workers and students who left during the pandemic to return to Australia. That created an influx of foreigners, which worsened the pressure on the country's tight rental market.Clare added that the restrictions will also limit the amount of "shonks" — people and businesses exploiting the demand for international education in Australia. Authorities have previously said that some providers participate in unethical practices or scams, such as recruiting students who are not proficient enough in English to do well, luring students with the <a target="_blank" class="" href="https://www.theguardian.com/australia-news/2023/aug/26/fraudulent-course-providers-face-closure-in-labors-international-education-crackdown">promises of jobs</a>, or promising tuition fee discounts to those who recruit other students.Canada announced similar limitations earlier this year, in an effort to bring down the costs of buying and renting homes.Canada's immigration agency said in January that it will cap the number of acceptances for international study permits. The move is expected to cut the number of students by 35% compared to last year and reduce the number of "<a target="_blank" class="" href="https://globalnews.ca/news/10241346/international-student-visas-canada/">puppy mills</a>" that provide poor-quality education.According to a study by education consultant IDP, the US, Australia, the UK, and Canada are hotspots for those seeking international education, with countries like Germany, New Zealand, and Ireland gaining interest in recent years.Since May 2023, the UK has clamped down on international students bringing their families on all student visas, except postgraduate research and those with government scholarships. The changes have also reduced the number of people using student passes as a loophole to work. The government <a target="_blank" class="" href="https://www.gov.uk/government/news/tough-government-action-on-student-visas-comes-into-effect">forecast</a> that the changes would lead to 140,000 fewer people coming to the country.In the US, <a target="_blank" href="https://www.businessinsider.com/h1b-visa-lottery-changes-benefit-startups-hiring-immigrants-2024-2">dwindling chances</a> of landing a work visa after graduation because of the H-1B lottery system have made the country less attractive for some foreign students. A Trump-era executive order <a target="_blank" href="https://www.forbes.com/sites/stuartanderson/2021/08/10/biden-keeps-costly-trump-visa-policy-denying-chinese-grad-students/">denying visas to Chinese graduate students</a> also <a target="_blank" class="" href="https://www.businessinsider.com/decline-china-international-students-economy-universities-trump-biden-immigration-covid-2022-8">slashed the number of enrollments.</a>

It's a terrible time to be an international student. Australia is the latest country to limit visas.

London: Universities and student groups on Tuesday urgently lobbied British Prime Minister <keyword id="19906889" type="General" weightage="20" keywordseo="Rishi-Sunak" source="keywords">Rishi Sunak</keyword> to safeguard the country's <keyword id="21659184" type="General" weightage="100" keywordseo="post-study-visa" source="keywords">post-study visa</keyword> offer, which has been dominated by Indians to gain work experience for around two years at the end of their university degree. Amid reports that Sunak is considering either restricting or ending the <keyword id="20616105" type="General" weightage="20" keywordseo="Graduate-Route" source="keywords">Graduate Route</keyword> to curtail soaring migration statistics ahead of a general election, a group of nearly 30 university vice-chancellors and the <keyword id="21760521" type="General" weightage="20" keywordseo="national-indian-students-and-alumni-association" source="keywords">National Indian Students and Alumni Association</keyword> (NISAU) UK have issued detailed letters of appeal to 10 Downing Street. They list a series of factors in favour of keeping the Graduate visa scheme unchanged, including the benefits that international students bring to the UK economy in a competitive global higher education marketplace. "Modelling by consultancy London Economics shows that a single cohort has a net economic benefit of GBP 37 billion to the UK economy; as well as through the soft power that Britain's international graduates generate for the country over time, including through furthering ties of trade and diplomacy," reads the NISAU UK letter addressed to Sunak. "Indeed, 70 per cent of <keyword id="19971660" type="General" weightage="20" keywordseo="Indian-students" source="keywords">Indian students</keyword> have told us that the ability to gain meaningful work experience is a critical element in their decision to choose between competing international destinations, of which the UK is one... the Graduate Route allows the opportunity to gain this work experience for a temporary period. It is non-extendable and does not count towards permanent settlement. This means that neither students nor Graduate visa holders should be considered 'immigrants' in the context of the long-term picture of migration," it notes. Their appeal comes a week after the influential <keyword id="20609895" type="General" weightage="20" keywordseo="Migration-Advisory-Committee" source="keywords" meta.keywordsubtype="org" meta.entityname="Migration Advisory Committee" meta.hostid="83" meta.entityid="Migration Advisory Committee">Migration Advisory Committee</keyword> (MAC) advised the government to let the scheme continue as it found no abuse of this post-study work offer. It also confirmed that Indians topped its tally, accounting for 89,200 visas between 2021 and 2023, or 42 per cent of the overall grants, and were likely to be "most affected by any restriction on the Graduate Route". In their letter to Sunak, universities in the north of England — from Sunderland to Sheffield, Leeds to Lancaster, Liverpool to Teesside, Bradford to Huddersfield, and York to Newcastle — said they will all be harmed by the removal or reduction of this visa as it is an "intrinsic part of the educational offer that has made the UK so attractive to brilliant students from all around the world". "The Graduate Visa Route is regarded by students in key markets like India as an integral part of their educational experience. The MAC review made clear that the removal of this route would make the UK less attractive and thus would cause considerable financial detriment to universities around the country," reads their joint letter. "International student tuition fee income has long cross-subsidised underfunded research and has increasingly become critical to cross-subsidise the teaching of UK undergraduate students because of the frozen tuition fee. Universities cannot continue to absorb the costs of teaching UK undergraduates without some form of alternative funding source," they caution. On top of their visa fees, international students who find work and start businesses contribute billions of pounds in income tax, national insurance and VAT annually. The university chiefs point out that they are also usually net contributors to the National Health Service (NHS) through the NHS surcharge. The Russell Group of the UK's leading universities issued its appeal over the weekend, with CEO Tim Bradshaw warning that there has already been a 10 per cent decline in international applications for post-graduate courses starting this September in the wake of the clampdown on students being able to bring dependant family members. "A further restriction on international students would not only be unnecessary — as numbers are already falling — but also damaging, resulting in less spending in local communities, fewer opportunities for domestic students and less UK research," he noted in a letter to Sunak. Members of his own Cabinet are believed to be opposed to any changes to the Graduate scheme, but the British Prime Minister is having to balance pressures from the right of the governing Conservatives who are single-minded in their demands to curb all forms of legal as well as illegal migration levels ahead of an election later this year.

Universities, student groups lobby PM Sunak to keep UK's post-study visa scheme unchanged

Top visa-on-arrival picks for Indian explorers

<keyword id="20102333" type="General" weightage="20" keywordseo="Indian-tourists" source="keywords">Indian tourists</keyword> can now add another perk to their <keyword id="22004118" type="General" weightage="20" keywordseo="Thailand-travel-itinerary" source="Orion">Thailand travel itinerary</keyword>: a <keyword id="20166205" type="General" weightage="20" keywordseo="visa-free-entry" source="keywords">visa-free entry</keyword> to the ever-alluring Land of Smiles! Starting June 1, the Thai government has rolled out a revamped visa policy, granting Indian nationals a hassle-free entry and an extended stay of up to 60 days, a doubling of the previous 30-day limit that was valid until May 2024. This change is part of a broader initiative by <keyword id="11905404" type="General" weightage="100" keywordseo="Thailand" source="Orion">Thailand</keyword> to attract more tourists and remote workers. The Thai cabinet has expanded its visa-free and visa-on-arrival options, increasing the list of eligible countries from 57 to 93, with India prominently included. This extension not only caters to tourists, but also targets remote workers, graduate students and retirees, who can now stay for up to 60 days. Remote workers, in particular, benefit from a five-year visa that permits stays of up to 180 days at a time, and retirees see reduced health insurance requirements. Thailand is already a popular destination among Indian tourists. Before the pandemic, India was Thailand's third-largest tourist market, with nearly 2 million visitors in 2019. Although 2023 saw a slight dip with 1.6 million Indian tourists, making it the fourth-largest source market, the new visa regulations are expected to boost these numbers significantly. This visa relaxation comes as a strategic move by Thailand to rejuvenate its tourism sector, which has been hard hit by the COVID-19 pandemic. The tourism industry, a vital part of Thailand's economy, had seen a sharp decline in international arrivals due to pandemic restrictions. But now, these new measures aim to reverse that trend, with Thailand hoping to attract a larger influx of tourists to stimulate its economy. Renowned for its budget-friendly appeal and diverse attractions, Thailand remains a top choice for travellers worldwide. From breathtaking beaches and nature reserves to bustling cities rich with culture and delectable cuisine, the Southeast Asian country offers a unique blend of experiences that continue to draw visitors. It also boasts vibrant nightlife and affordable, high-quality accommodations, making it an irresistible destination for all kinds of travellers. In 2023, Thailand welcomed around 24.5 million international visitors, generating significant economic benefits. Impressively, the first quarter of this year alone saw 9.4 million tourists contributing approximately 454.6 billion baht (1,030 billion INR) to the economy. With the introduction of these new visa policies, Thailand is ambitiously aiming to attract a record 40 million tourists this year — a target that approaches its pre-pandemic peak in 2019.

You Searched For "visas" and got 12 results

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