Augmented reality – how can it change the way we bank?

While games like Pokémon GO! have millions of people all over the world gripped, and in some instances risking life and limb to catch rare critters in remote locations in the real More »

Start Banking the Right Way.

Do you need an exceptional and outstanding bank for your personal savings and loans account? It has always been a challenge for most people in finding the right banks that suit them More »

8 Money Mistakes Every Millennial Makes

Times are changing, and the internet has made finding sound financial advice both easier and more difficult than ever before. While there is an abundance of information online, it can be difficult finding the More »

5 Simple Ways for Cutting Business Costs and Remain Competitive

All companies need to keep adjusting to the market trends and get as much competitive as possible, not only to boost their profitability as to be able to survive in the toughest More »

How to Grow Your Business and Maximize Your Marketing Budget

Any business needs more customers to grow. One of the biggest challenges for a company is in growing the business in a sustainable way and maximize the marketing budget to make sure More »

 

Trading on Commodities in Current Times: Risk or Security?

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The world’s major newspapers continue to headline with the progress that Donald Trump is making in putting together his cabinet. Economists and financial strategists are watching with keen interest whom he will appoint to key positions, as the people he appoints will play a large role in allowing him to push through with his stated economic, fiscal, and foreign policies.

According to Myra P. Saefong of marketwatch.com, “volatility in commodities has been high in the wake of Donald Trump’s presidential election victory, but as the initial shock wears off, a more clear picture of what his presidency means for gold, oil, and industrial commodities has emerged.”

How will price volatility impact binary options traders?

Binary options traders trade on whether the price of any particular asset moves up or down within a specified timeframe. The options of trading on commodity price movements is one of the categories offered by most binary options trading companies. Therefore, the question that most binary options traders should be asking is: How will Trump’s economic and foreign policies affect the price movement of the commodities I am interested in trading in?

Unfortunately, no one really seems to know the answer to this question. We all know that the picture will become clearer as time goes by. A few brave economists have ventured an opinion; however, they seem to be proven wrong every time.

What financial analysts are noting is that the prices of commodities such as copper and iron ore are increasing as a result of Trump’s indication that he plans to improve the USA’s infrastructure, which will consume a lot of those particular commodities. However, Trump’s plan to ban Chinese imports is going to hurt inflation; consequently reducing the demand for oil. Therefore, it is expected that the oil price will drop; however, on the other hand, the gold price stands to gain from any increase in USA inflation.

In general, commodity prices are directly affected by the supply and demand paradigm of course. In the case of rising inflation figures, the cost of living increases and so diminished disposable income leads to a consumer drop in demand for oil. This results in an oversupply of oil, which in turn, causes a drop in the price of this commodity.

Gold, on the other hand, is seen as a safe-haven commodity. Therefore, the more that inflation increases, the greater chance there is that the USA will move back into a recession with the obvious consequence that more investors will move their investments out of the riskier stocks and into safe-haven stocks, hedge-fund stocks. This, in turn, will cause a demand for gold so the gold price will increase.

Confused? Help is at hand.

The good news is that binary options traders, who trade with world-class brokers, do not need to wrap their heads around the nitty-gritty details of how the political landscape will impact the price movement when trading on commodities as underlying assets.

It goes without saying that a company such as Stern Options is a world-class brokerage, and because of their success in this business they retain some of the best financial analysts in the world. These experts spend their time collating and extrapolating data from all the current events that could possibly impact the volatility of commodity prices. The results of their analysis are available for their online traders to review before making trades. The financial analysts can also make recommendations which, again, are available on Stern Options’ website for ready perusal by their clients.

Is market volatility a good or a bad thing?

I don’t believe that large swings in commodity prices are necessarily a bad thing. Binary options traders only need to indicate whether the price of an underlying asset will move up or down within a stated timeframe. They don’t have to indicate by how much the price will increase or decrease. If traders analyse the markets correctly, and with proper professional support, it is possible to trade successfully under volatile market conditions such as those ensuing the recent US Presidential elections. The biggest challenge to a trader’s risk management strategy lies in determining at what point the price of a commodity will swing from going in one direction and turn in the opposite direction.

Final words

Unfortunately, global market volatility is going to be with us for a while longer. We cannot get away from this simple fact and actually in binary options we should not want to completely because you can make profits in binary options whether the markets moved up or down. But understanding the underlying reason for episodes of volatility is crucial and not merely for routine strategies in binary options but also because these episodes contain enormous potential for careful traders to make profits in binary options.

Stretching Your Dollars With Great Coupon Tips

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Although you may believe that using coupons is something people don’t do anymore, you would be wrong. Everyone loves saving money. You can save money in many areas. Coupons can help you with everything from clothes to food. Coupons always allow you to obtain items at lower prices. Read on to learn some innovate ways of using coupons.

Try not to purchase items just because they are discounted. If you do, you will end up overspending and building up a supply of items you won’t use or need. In order to keep yourself within budget and maximize your savings, restrict your coupon usage to items you were already planning to buy.

Stay up to date on the coupon policy and programs offered at the store you frequent. Do they ever double coupons? Are Internet printed coupons acceptable? What about competitor ads? If you aren’t familiar with the policies, you won’t be able to take advantage of all the savings you have gathered.

Bring all of your coupons when you go to the store even if you don’t plan to use it. That way you will have the coupons handy just in case you find a special deal on an item when you get to the store.

Spend at least one day of your week couponing. You’ll be able to work with coupons more efficiently this way. If you run across coupons you can use on other days, definitely clip them, but save the big work for that one day.

Once you’re at the checkout, make sure the coupons are being scanned properly. Sometimes, the coupon or the store will be at fault, and the coupon will not scan. Watch to make sure the cashier properly scans the coupon, then look on the display screen to verify it applied.

Make sure that you’re always searching for an accompanying coupon before you purchase any type of item. In the search engine box, type in the store you are shopping at and add the word “coupon”. Any special deals that the retailer is currently running will be displayed in the form of coupon codes. Stores may provide free shipping options or some percentage knocked off an order of you use the current coupon code when you place an order.

Do not let couponing monopolize your time. Looking through circulars and clipping coupons can take up a lot of time. Think about how much you are saving for each hour of effort, and decide if it’s worth it or not.

Concentrate your coupon-clipping efforts on items that you know will get used in your household. This will help keep your grocery budget on track. Buying unnecessary items is among the reasons many people stop couponing. So, stick to the products you know and love to keep your coupon clipping efficient and your home in order.

There are some stores that allow you to double and even triple your coupons. Take the time to call up stores or ask fellow shoppers where you can take advantage of this practice. Ask your neighbors, friends and family members.

For someone who is really into clipping coupons, there are sites online that will let you purchase coupons. There might be a coupon offer for which you could get free items. Paying a little for a lot of this particular item will get you some huge discounts at the register.

If you want to be a real coupon-clipping aficionado, you have to understand the lingo. One example is ‘BOGO’, which is the same as buying one and then getting a second of the same item free. If a coupon says ‘MIR,’ that is the same as saying that you can mail in a form to get a rebate. You will find various acronyms associated with coupons. You might not use any coupon correctly if you do not use them properly by following what the acronym well.

There is no need to feel embarrassed when utilizing a stack of coupons during the checkout process. If you’re saving a bunch of cash then pay the people in line behind you no mind for the time being. If you’re organized, it won’t take you that long to check out anyway.

Websites that have a bunch of deals are a great place to visit if you want a good resource to find coupons and discounts on a regular basis. This helps you easily find deals for the items you need.

Use popular search engines to find coupon codes for the items you usually purchase. Promo and coupon codes can go a long way towards saving you money on internet purchases. You can often find coupon codes for things such as Amazon purchases, free shipping and even free items as well.

Try the drug companies website if you want a coupon for a prescription drug. Many times the makers of these products understand the costs are expensive and will offer coupons online to get you to try their products in order to gain additional customers. Customers that buy every month often are eligible for loyalty programs.

Make sure that the cashier rings up all of the coupons that you present. The cashier may make a mistake and accidentally pass the coupon across the scanner without making sure it goes through. You took the time to clip and to use the coupons, so make sure they’re working for you in the end.

Be judicious when it comes to using your coupons. Although nothing beats getting items free, you should avoid purchasing items that you do not ordinarily buy. Compile a list of items you are interested in shopping for first and then peer at your coupons afterwards. This makes it easy to avoid spending too much money.

Don’t overlook the old-fashioned coupon collection technique of clipping print coupons from your paper. This is because it is possible to grab great coupons for grocery items that are not always available online. It takes just a couple minutes to scan the paper to see if there are any coupons that you need.

Having read this article, you are now aware that coupons are still powerful tools to save money. Look at how your savings add up over time. They can help you every single day, so learn these tips to really master coupon collecting.

Augmented reality – how can it change the way we bank?

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While games like Pokémon GO! have millions of people all over the world gripped, and in some instances risking life and limb to catch rare critters in remote locations in the real world; it appears it isn’t just the gaming world that is sold on augmented reality. A number of other industries are now seeking new and innovative ways of interacting and engaging with consumers to not only improve the user experience, but also bring them closer to their customer’s real world.

Interestingly, one of these sectors is the banking industry, which is using the latest financial software and app technology to bring virtual banking services into the physical world. There are numerous ways in which financial companies are looking to do this; aiming to enhance the consumers experience and add value.

The latest innovations

For instance, the latest trial launch from Visa Europe and their innovations hub, Visa Europe Collab, back in June 2016 has seen them collaborate with app developers Blippar to create an augmented reality payment system. The e-commerce app uses digital banking technology and app development software to recognise items of interest in different scenarios by simply holding the phone up to the item and tapping the screen. The app will then identify where the item is from, whether users are admiring a friend’s outfit or a stranger on a train, giving them the option to complete a transaction there and then to be delivered to their door using a pre-registered, pre-paid debit or credit card. This augmented reality payment system could revolutionise how consumers interact with retailers and their banking services in so many ways.

Another example of banks incorporating augmented reality is the National Bank of Oman’s latest app launch, which uses certain digital banking technology to help shoppers entering a shopping mall or retail outlet to locate the nearest NBO branch or ATM in Oman, as well as view and purchase the bank’s latest offers and deals.

A whole new world

It’s these kinds of innovations that are transforming the way people bank, as well as how banks operate. In the United States alone, it’s reported that a number of banks including Wells Fargo are following in the footsteps of the likes of Google, Facebook and Sony incorporating virtual-reality systems into their portfolio.

Having said that the banking industry’s experiments with augmented reality technology are still very much in the early stages. It’s reported that one possibility that could be explored is creating virtual-reality branches. This would allow users to visit a “branch” and carry out everyday banking, purchase services and more without even having to leave their homes, via an augmented reality system such as Google Glass.

Beyond this there are many other plausible uses for augmented reality in banking, which are likely to be part of the future evolution of how we all bank every day.

Does augmented reality mean more real risk?

But while this all sounds very impressive and advanced; one element that may concern users is how secure these types of augmented reality banking apps and services really are. With the capability to instantly buy purchases just by holding up your phone or do virtual reality banking from your living room or anywhere for that matter, are we potentially putting ourselves at higher risk of a security breach?

Well naturally as new technology advances are made, the cyber criminals in the world will find new ways to manipulate and corrupt systems. But to counteract this it’s likely that all digital banking technology will be designed to be robust to ensure very high standards of security are maintained at all times. Naturally, just like any other form of virtual banking, these types of virtual reality applications will require a level of personal verification that is only known by the user. The personal data will also be heavily encrypted to protect it from cyber criminals and ensure that personal banking information isn’t compromised.

Providing secure and safe digital banking technology is implemented to create a virtual world of banking, there is a great potential to create even more innovative possibilities for a wide range of augmented reality banking services worldwide.

Five Easy Tips to Determine the Value of Your Gold Watch Before Selling It

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A lot of people have gold watches that they love, but would like to sell it due to some reasons. Some consider selling their watches because they need the money; some consider selling their watches because they want to buy a newer model. Whatever the case may be, here are a few tips for getting the best value out of your gold watch.

 

⦁ Tip 1 – Determine the Model, Brand, and Features

The first thing you need to do before you sell your watch is to run an online search. Find the model, brand and features of your beloved watch before you sell off your watch. A good way to do so is to visit the company website that made the watch. You can also find the present price of the watch to get an estimate of how much your watch is worth.

⦁ Tip 2 – Determine the Age of Your Watch

Did you know vintage watches cost a lot? If you have had your watch for a very long time, and think it should be worth a lot of money, determine the age of your watch. See if you can find the receipt of your watch purchase; it should help you estimate exactly how old your watch is.If you reside in Australia and are looking to sell your vintage watch, you can sell your valuable watches in Melbourne at www.goldbuyersmelbourne.com.au.

⦁ Tip 3 – Determine the Condition of Your Watch

This tip is very important. Often, older watches need a lot of care. If you have a watch that is old and need to sell it, you need to determine the condition of your watch. How old is it? How much are you willing to get for it? Does your watch have any scratches or dents? Is the hand working smoothly? Is the watch still working? These questions can help you determine the quality of your watch and how much you should expect to get out of it.

⦁ Tip 4 – Get it Appraised Professionally

If you are having trouble determining the value of your gold watch, you should get it appraised professionally. An appraiser can guide you on the approximate value of your watch. Before taking it to a professional appraiser, make sure you confirm that the appraiser is not biased. A biased appraiser will always try to undervalue your watch. Try to visit unbiased third-party appraisers like a pawn shop in Melbourne that offers the best deals.

⦁ Tip 5 – Check the Bracelet Condition

The bracelet of your watch plays a very important role in your watch sale. It suffers the most damage, collects the most dirt and is often stretched beyond repair. If you had the links of your watch removed at some point, and have lost them, you would also suffer a loss of your watch’s worth. Make sure you save the watch links, box in which the watch came, and the receipt to get the best value out of your gold watch.

Selling a watch is easy if you follow the right steps. To get the best value out of your gold watch, it is important to keep the aforementioned tips in mind. Lastly, selling your watch to a reputable dealer makes all the difference.

How Negotiating Your Starting Salary Can Help You Pay Off Student Loans

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Once you graduate from school, you will be responsible for paying back your student loans and it’s not always fun. If you are on the road to start paying back your student loans, there are some things you need to know that may help you out in the long run.
Did you know that negotiating your starting salary in your new position can help you better and easily pay down your student loans? That’s right. When you move into your career, you may be offered a position that pays one amount and you thought it would pay more. If you prepare, you can start a negotiation on the salary and earn more money.

The Basics
Before you begin negotiations about your position, you must research and do your homework. It is not wise to walk into an interview expecting to receive a higher pay just by demanding it. You must know what is going on and have a good grasp of the task ahead of you.
One of the best ways to research is to begin by finding out how much others in the role you desire make. You can use a wide variety of sites, such as Glassdoor.com, to get an idea. When you arrive on these kinds of sites, simply search the title of the job you desire and then view the salary rates. You should take an average of these rates and do not walk near the low side or the high side.
The reason you need to know the average salary is because you do not want to go into the interview with an outrageously high or low number.
Next, you should research the different types of responsibilities the job title you are applying for has. It is not uncommon for people to use names interchangeably and it is also not uncommon for companies to have varying ideas of what a position does.

Your Skills and Experience
One of the biggest thigs you need to do before your interview is write down what your skills, experience, and accomplishments are. If you think that your skills are better than another person’s, then you need to determine why and have the data to back it up.
The more skills and experience you have, the more valuable you become to a company, but you must keep in mind that you do not want to over exaggerate your skills as you may be expected to perform right away.
Sometimes, you may need to brush up on your skills before jumping right into the position by taking an internship or entry-level position.
Once you have your list of experience, skills, and accomplishments, you will have a leg to stand on when it comes to negotiating your salary and you can prove that your skills are what they say they are.

Is This Your Career Position?
If you are entering into a position that you do not plan to stay at or you know for sure it is just a stepping stone, then working for a lower salary is not always a bad thing. You can gain experience and eventually move on to where you want to be.
If you plan to stay at the company for a long time or make your position a career, then you should negotiate until you have reached a reasonable and agreeable number.

Practice Makes Perfect
Always practice and rehearse what you are going to say before you go in for your interview. You want to be confident and do not want to seem inexperienced or nervous.
If you are planning on working right after college, you may be lucky enough to land a position in the career you want, but you must negotiate a reasonable salary for yourself. Remember, you do have to pay off your student loans and when you ask for a higher salary, you are closing the gap that causes you to struggle when it comes to what’s left from your paycheck and your monthly student loan bill. Not only can a higher salary make your student loan payments for affordable, it also increases the chance that you will be approved to refinance your student loans. This can also save you tons of money in the long run so it is really a win-win situation.
Don’t just rush into a job so you can start repaying your student loans as fast as possible. Waiting a few weeks or months in order to secure a higher paying job will end up being worth it in the long run. Don’t be afraid to explain your situation and why you cannot accept a lower salary. Many employers will be open to negotiate on your salary and may see you as more confident for not being afraid to ask.

Start Banking the Right Way.

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Do you need an exceptional and outstanding bank for your personal savings and loans account? It has always been a challenge for most people in finding the right banks that suit them better today; well here are some of the most paramount things that you need to know about before opening a savings and loans account.

Overdraft costs and fees charged
The amount of taxes charged varies with different banks, and the highest amount of fee charged for going over the agreed amount of overdraft limit. You need to choose a bank that gives you an overdraft of up to an agreed amount without charging fees or choose one that charges the lowest interest rate if you regularly spend more money than what you have in your personal savings account.

Get a beneficial and interest bearing savings account
You need to open a savings account that benefits you most and carries high interest on all your savings. Consider the monthly maintenance fees and ensure that you choose a bank that calls for no maintenance fee for your personal savings account, and this will be paramount in growing your money. Always ensure that you open a personal savings account in a bank that will pay interests on your credit balances especially if you never go overdraft.

Build a reserve with the bank saving account.
The primary objective of opening a saving account is to enable you to grow your money. Thus you need to receive an attractive personal savings account rates that allow you to reach your goals. The saving accounts should be simple interest bearing to help you in building your saving faster and with ease. Personal savings account are usually the best option whenever you need to save for a mortgage, emergency fund, your wedding or even for education.

Personal loans
Your personal savings is the gate pass to qualifying for a personal loan. You need to consider the interest rate of getting a loan from a bank and choose one that offers the lowest rate on loans. Your personal savings should help you in repaying any outstanding loans especially when you consider any early repayment charges on your loan. It is surprising on how much one can end up saving when you decide to repay the loan early.

Why the need for a personal loan?
It’s always important to consider the main reasons why you require borrowing a personal loan from your bank. The loan may be meant for the elimination of any high-interest credit card debt or to offset bills or relocation to another city with great job opportunities. It’s, therefore, necessary to consider an affordable personal loan, you should consider both the loan payment over time and the interest rate.

Find a personal loan calculator.
It is a good idea to use a loan calculator. Your personal loan may be your only option of settling high bills and paying off high-interest credit card debt. Once you figure out how much fund you need to borrow and the amount you can afford to pay back on a monthly basis then you shop for your personal loan. A personal loan calculator will assist you in knowing what to expect. You may need to look at different sources and compare the rates.

The loan calculator will help you in running the amount of loan that you require on an unsecured personal loan and selects your credit score to know your estimated payments and interest rates. The interest rate that you get on an unsecured personal loan varies with the lender, creditworthiness, and your location. Most banks usually quote a rate with minimal information which doesn’t affect your credit. Finally, the rate you get depends on more than just your credit score.

8 Money Mistakes Every Millennial Makes

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Times are changing, and the internet has made finding sound financial advice both easier and more difficult than ever before. While there is an abundance of information online, it can be difficult finding the truth in a sea of misinformation. When it comes to finances, millennials are in the unique position of having everything at their fingertips, while also having too much to make use of it all. With this guide, millennials will learn about the most common mistakes their generation makes and what they can do about it!

1. Waiting Too Long to Invest

At the highest level, investing is a skill that comes with some risk. For the average person, investing is a smart way to plan for the future and ensure that money grows against inflation. Too many millennials are waiting to invest for a variety of reasons. Some wish to learn more about it in hopes of beating the system, and others are cautious about making any money at all. However, the key to successful investing is simply having time in the market. The more time money has to grow and ride the ups and downs, the more money will be made in the long term. Millennials should try and begin investing as early as possible, no matter what the current market trends are, if they want to see their money grow in the future.

2. Not Saving

Investments are worthwhile long-term savings, but everyone should have a short-term emergency fund as well. Millennials would be wise to save roughly six months’ worth of expenses no matter how long it takes to do so. This will come in handy if the job market takes a dive, a car breaks, or other necessary expenses arise. By having a savings account, one can avoid going into debt.

3. Too Much Debt

Many millennials are burdened with student loan debts, but some are also choosing to go into debt by overspending their credit cards and living beyond their means. While credit is an important part of life, a high debt to income ratio will harm credit and decrease purchasing power. Avoiding interest and the dreaded penalty fees will free up more money for savings, and it will help to grow credit for future mortgages and other accounts as well.

4. Not Asking for Advice

Young adults have always been wary of advice. They want to make their own path and with the incredible amount of information online these days, it’s no wonder that millennials are stubborn about asking for help. However, most millennials would be better off by asking for advice from trusted professionals. Many investment firms, such as the UK company Fisher Investments, have a very strong social presence, meaning millennials can seek information on a platform that they’re comfortable with, rather than having to search through Google to find the answers.

5. Being Wary of the System

Counter-cultures have always existed, and there have always been groups going against the grain. However, after the 2008 financial fiasco and with the widespread use of the internet, millennials are growing up to be much warier of the financial system in place. While everyone should have some reservations and skepticism, many millennials are being fed false information from untrustworthy sources. However, this can easily be combated by taking the time to learn and understand the true nature of finances.

6. Not Budgeting

With a more vast and open marketplace than ever before, millennials must slow down and create a budget to avoid living beyond their means. Simple purchases like Netflix, Amazon Prime, and other online items can add up, and it can quickly lead to living paycheck to paycheck. Without a strong budget, it can be all too easy to fall into debt, or worse. Every millennial should take the time to plan their monthly expenses, tighten their purse strings, and they will likely have a little left over for savings.

7. Being too Picky

Millennials want it all, and that is admirable in a sense. They graduate from university with big dreams and grand ambitions, but then are shocked when they have to start in an entry-level position. However, millennials must understand that their dream job likely won’t be their first job, and it’s ok to work your way up the ladder over time.

8. Becoming Complacent

With new technology arriving at lightning speeds, globalisation, plus murky political waters, it’s always worthwhile to have money saved in case a career becomes obsolete or the market drastically changes. Millennials aren’t the only ones at risk of becoming complacent at their jobs or with their spending habits, but careers are changing much faster due to the internet and global market.

By practicing good financial habits, talking with professionals, and utilising all of these tips, millennials should be able to have a strong financial portfolio no matter what the future brings.

The Best Ways To Buy Gold Bullion

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Wanting to add some gold to your financial portfolio? Investing in physical gold is often the wiser option because, with an unreliable economy, you don’t know if stocks will pay out, but you can re-sell physical gold, such as gold coins or gold bullion bards. If you’re planning to invest in them, you’ll need to consider certain factors, including what kind of bullion to purchase and where you should purchase it from.

⦁ Decide what kind of gold bullion you want to invest in as it may change where you want to purchase it from. Do you want a traditional gold bullion bar, which often brings the image of many gold bars being stored in a vault? These bullion bars come in different sizes, such as the popular kilobar, which is 32 troy ounces or a small one-ounce gold bar. Technically, it costs less to create a larger bar, meaning they are more cost effective for you, but they may harder to sell later as they cost more than a 10 once bar. Alternatively, look in to gold bullion coins, but stick to well-known coins like the South African Krugerrand or the Chinese Panda which typically trade at an affordable premium rate.

⦁ Beware of gold scams. While it’s certainly easier to go to the local pawn shop, a dealer’s table at a coin show, or mall kiosk offering to sell or buy your gold, think twice about trusting them. These are easy money places and often not legit.

⦁ Choose a gold dealer that’s been around for years and has the reputation to prove it. You want a gold dealer that is knowledgeable about the principles of owning gold, the current spot prices of gold, and any other questions you may have.

⦁ Make sure that you buy genuine gold bullion online from trusted dealers. Often, online dealers work better because investors can’t afford to fly across the world to invest in gold, and there are some more affordable established firms to buy gold in Britain, Europe, and Australia. Instead of flying over there, reputable companies will actually deliver gold to your residence through heavily insurance packages. They make it easy to purchase with a variety of payment options, including money order, credit card, check, and even PayPal.

⦁ Choose a gold dealer or firm that deals only with gold bullion bars and coins as these two types of gold are the only types that will appreciate well over time and trade up and bring you good cash flow.
⦁ Check to see if the dealer has a buyback policy. Find out what the place charges in case you need to sell them at a later date for emergency cash. It’s beneficial to know how they work on both ends of the spectrum.

As you contemplate where to purchase gold bullion from, use caution so you don’t get scammed. Watch for any hidden fees relating to shipping or payment methods, and make sure you know what the current spot price is.

3 Strategies That Will Make You A Better Investor

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The most important thing to understand as an investor (or day trader) is that you’ll never perfect the craft. This is true in part because investing can’t be perfected, even by advanced algorithms. But it’s also true because there’s no such thing as a strategy that covers all the bases, or a flawless trading method. You’ll always be making new decisions based on new circumstances, even if you’re following your own general guidelines most of the time.

What this all means is that you should never stop educating yourself if you want to generate income, or solidify and grow your savings, through investments. And with that in mind, here are three tips for ways to stay on top of your strategies and keep learning.

Delve Into A Trading App

Perhaps inevitably, there are now dozens of great mobile apps that have been designed specifically to help traders. Some, like Stash and Robinhood, actually allow you to invest money in any amount you choose, with helpful analysis tools and no fees on transactions. Others, like Acorns, seek to automate your investment process and put away small chunks of money in pre-designed portfolios. And some simply provide strategies, or even games that simulate stock market scenarios. All of these apps can be helpful for giving you new perspectives on investing and for helping you to gain valuable insight and practice. Here’s a look at 17 apps in particular that may be of service, just to give you a starting point, but the best idea is to simply spend some time browsing your mobile store. You’re certain to find a few tools that are of particular interest to you.

Start A Trading Journal

One of the most careless mistakes a regular investor or day trader can make is to neglect past transactions or activities. In some respects, it helps to have a “short memory” while investing. That’s in the sense that you don’t want to become timid because you’re focused on past failures, or reckless because you can’t let go of past successes. But in terms of specific strategies, memories and even detailed records can be essential. Keeping your own trading journal is a great way to establish a quantifiable track record that can enable you to identify your own habits, recognise your strengths, and work on your weaknesses. All you need to do is record the circumstances before and after each trade you make, and you may be surprised how much useful data you begin to gather.

Listen To The Experts

It’s understandable to doubt financial experts or famous billionaire investors who want to give public advice. For instance, Mark Cuban is one of the most well-known billionaire investors in the world, and yet if you look into his biography you’ll see that he made his fortune through two start-ups back in the ’90s. So why should you listen to him about current investment strategies? Why should you listen to Warren Buffet when he’s been famously wrong about trades, despite becoming one of the wealthiest men in the world? The answer is because this is their world. No matter how they initially made their money, men like these tend to stay relevant because they’ve continued to make sound financial decisions to maintain and grow their wealth. In short, if you’re seeing advice from a famous financial analyst or billionaire, it’s probably because that person has earned the platform to speak out through strong performance. That
doesn’t mean you should blindly follow all instructions, but you should always listen and then decide if an expert’s advice might be helpful to you.

The education process never stops, and these tips certainly don’t paint a comprehensive picture of how to excel as an investor. But adopting strategies and practices like these is a great way to build a foundation as an investor who will continue to learn and adapt over time—and that, ultimately, is the best path to success.

Real Estate – Selling It Quickly For More Money

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There is a lot of reading material out there available for sellers in real estate, but you better believe that some of it isn’t worth the paper or website page it’s printed on. With what you learn from this article, you can learn what it takes to becoming successful with real estate.

More than likely, your home is priced too high. To bring in buyers, you must put up your house for an amount that everyone can be satisfied with.

By adding energy efficient touches, your home may appeal even more to many prospective buyers. These additions can be very economical like LED light bulbs or they can be more costly like energy monitors. Choose additions with high energy ratings and you’ll capture the potential buyer’s interest.

A bidding fight could help you out. The more competitive your listing price, the more likely you are to get a lot of foot traffic and a quick deal near asking price. A bidding war from multiple buyers can result in you getting a high selling price.

Add to the sale of your property by providing bonuses. Who hasn’t noticed those ads that offer free washers and dryers with purchase of a new home? These incentives can make the difference between a sale and a visit to see the property. Keep an eye on products that are in demand, and consider adding them to your final closing deal. This will have great benefits to your rate of success.

If you paint your house prior to putting it up for sale, don’t pick a color scheme just because it’s your favorite. Rather, select traditional, neutral colors like off-white, eggshell, or taupe. Buyers will notice how fresh the house looks without feeling threatened by the overwhelming presence of the previous owner’s personal tastes.

For a very quick sell, price your home around 10 percent below the lowest-priced comparable home in your neighborhood. Potential buyers who want to move into the area will be enthusiastic about the price, and will be eager to check out your home.

To encourage buyers to see a home as theirs, it is a good idea to remove your personal touches from public display. Move personal effects, especially family pictures and heirlooms out of sight. Potential buyers won’t be able to picture their own family in your home if they only see your family there. You will also want to take clutter out of your house because you want to create the illusion of having plenty of space.

Declutter your home to increase its overall appeal to those who view it. Remove as many items from your closets as possible and organize the rest. Dust inside the closet so that buyers don’t risk allergic reactions when they open closet doors. Organize your kitchen cabinets and clean out as much stuff as you can. Be sure to leave gourmet foods that might serve to impress the potential buyer with how sophisticated the owners really are!

Once you’ve got a good grasp of the information, it’s time to put it to use. Build up a solid plan of attack using what you learned here and never be afraid of any market conditions. Come back to this article if you need to get a refresher on the tips and stay on top of new market news.