All posts by Tina Howard

Improbable Benefits of Cryptocurrency Trading

Cryptocurrencies have emerged to replace the traditional methods of cash exchange. The recent establishments and investments in cryptocurrencies have made changes in the current economic system in a big way. It has influenced many people and the demand and supply imbalances have appreciated the prices and made a huge mass of people to enter the cryptocurrency market. Let us look into some of the benefits of cryptocurrency trading. Try trading robot BTC Profit

Comfortable and quick access – It is very easy for any individual to access the cryptocurrencies and the trading platforms. We have plenty of forums looking for such clients to assist and help them in investing and trading with cryptocurrencies such as bitcoins, ethereum code etc. It is enhanced with digital data transfer through the internet as the basic means of communication. So anyone who has a viable internet connection can trade on cryptocurrencies easily.

Swift payments – The payments almost happen instantly as there is no feeding of card details and other information required every time. The only input required will be the digital wallet details of the individuals concerned. It is the most desirable medium of transaction. The reason is also that there are no intermediaries involved. It is purely peered – to – peer in transactions and uses advanced infrastructure concept known as the blockchain. It does not take days for the transaction to occur as in the traditional medium.

Low transaction fees – When trading with other means of exchanges and also transacting with financial institutions such as the banks, we have the operational charges and other additional fees involved always. In the case of cryptocurrencies, the fees are almost negligible.

Decentralized – As it is completely decentralized, we do not have to share our personal details or transaction related information to any of the government institutions or financial organizations. It does not depend on any interest rates, exchange rates or other parameters.

The secured medium of trading – It is considered highly secured to invest in cryptocurrencies as it is completely encrypted. Very efficient and strong encryption techniques have been employed throughout the life of the cryptocurrencies to embark confidence and security among its users. Also in other options of trading, we have third parties accessing your details. As far as cryptocurrency trading is concerned, we have the complete ownership of the currencies involved as with the digital wallet. Nobody gets the access to view our personal information.

No boundaries and limits –We do not have a set limit or the crypto trade that needs to be transacted every month or every day. There are also no boundaries for the transaction. We can get acquainted with an individual on the other side of the world. This makes it convenient for all kinds of people to trade and exchange benefits.

As it is relatively a new concept, we have to be very much precautious about the actions we take with regard to cryptocurrency trading on a large scale. We have to learn the concepts well before getting into it with full speed and vigor.

Can you invest in real estate without actually buying a property?

Investing in real estate can be profitable provided you find a good property in a great location. But one thing that stops many investors from choosing real estate investment is the large capital required. Can you reduce the capital required and invest in real estate without actually buying a property? Yes! And when there is no ownership of the property, you also get tax reduction and other benefits.

Real estate mutual funds

Mutual funds are managed funds which are easy options for the new investors. If you choose real estate mutual funds you would be able to reap the profits of real estate investment without buying a property. Diversification provided by the mutual funds would also be good for your investment portfolio. Here your funds would be invested by the mutual fund’s company on real estate stocks, on your behalf.

Real estate investment trust

Publicly traded stocks are known to have their advantages for the investors. REITs combine these benefits with the benefits offered by real estate investment. One major trait of REITs is the liquidity that they offer. Real estate investments in the form of properties might be difficult to buy or sell instantly. But with REITs, this is tackled and you would thus be able to balance your portfolio and allocate your assets accordingly. Added to all this you also get a transparency that makes these investments easy to understand.

Real estate exchange traded funds

Very similar to mutual funds in a lot of ways ETFs also have many additional perks. Real estate is known to pose as a strong hedge against inflation. The stability offered by real estate combined with the security and convenience offered by ETFs would be available with real estate ETFs. The yield from each real estate ETF varies and not all of them are equally profitable. So if care is taken to pick the right one real estate ETFs can be some of the most secure and lucrative investments.

Real estate notes are known to have strong investment potential

When you invest in real estate notes, you are assured of passive income where your efforts might not be required. Management of the owned volume is simpler with notes. The rate of returns are also known to be higher with real estate notes and you also receive the monthly interests.

Benefits of investing in real estate without buying a property

  • Ownership gives you ultimate control over the property and the flexibility to customize your property. In that case, why should you invest in real estate without buying a property?
  • Liquidity and the freedom to take a buy or sell decision when required is one main benefit.
  • Management of a real estate, taking care of the maintenance in order to preserve the property value, all requires a lot of efforts. This can be cut down when you invest in real estate based investments without buying a property.
  • There is assistance provided in managing your funds. So even if you are very new to investing you would be able to handle your finances without any trouble.

The Significant Concept Called The Microfinance

While the fortunate ones plan for their financial independence, there are these unfortunate ones, who struggle to meet their ends daily, for whom the boon in the name of Microfinance is available. Whatever might be the reason for this state of these deprived individuals, be it the unemployment or the low-income, the relief in the name of Microfinance is certainly possible when they approach the relevant financial institutions, of course, with the dream to make it possible in this competitive world. So, what is this Microfinance? Let’s keep reading!

What is Microfinance?

Microfinance is the suitable financial assistance offered to the low-income individuals, who cannot otherwise avail assistance from the traditional financial institutions due to their monetary position, to help them realize their dreams and as well as to improvise their financial situation. But, not every financial institution, public or private, is eligible to offer such loan assistance. There are dedicated Microfinance institutions, which might include non-profit organizations and larger banks, that aim at improving the financial needs of the deserving low-income individuals and, it is one of these institutions the needed individuals have to approach to brighten their lives and as well as their financial position.

Microfinance Options

But, Microfinance is not limited to the loans, it can be the savings or the insurance options, depending upon the preferences or the expectations of the respective individuals. Yes, while a certain individual might be in need of some money to start their business, other might be in need of an eligible deposit account to make plans for his/her financial future and it is for this reason the Microfinance options are varied. Typical Microfinance reasons are to start a business, joining an education program, Health insurance, insurance against death and so on.

Microfinance Characteristics

In the case of Microloans, the amount offered in the name of assistance is typically lower than the ones offered in the conventional financial institutions because these aids are offered to people, who typically have nil to very little money to their credit and therefore, offering higher amount proves meaningless, as repayment becomes impossible. Also, unlike the typical financial loans, here, no collateral is expected and therefore, the loan idea is generally, based on pooling a group of interested borrowers together so that, in the case of any default action by an individual borrower, the others can act as the buffer. But, there are also individual lending options offered only to capable candidates meeting certain criteria.

Since the risks undertaken by the respective Microfinance institution are higher, obviously, the interest rates are higher but, anytime repayable by a responsible lender! This concept was popularized by Muhammad Yunus of Bangladesh, for which he and his Grameen Bank received Nobel Prize in the year 2006!

Is hedging Predictable and Profitable?

 

As one thinks always making a bet on how the pricing of currencies work in different currency markets across the world and maximize the profits, is all about the hedging in Forex, which is again a much-ignored topic in discussions and financial forums. There is a lot of subjects to be delved into to establish that It is all about being predictable enough to make maximum profits in hedging and not the other way around.

In case placing a hedge which lost out money, but still came within the target profit, the revenue earned is locked in the account at a prior date and thus it is not subject to unpredictable variability.

Is it Predictable or Profitable?

For many operating companies which are focused on their core business, hedging mechanism is all but slows the cash flow in the business, rather than making plays on the forex market movements. The scope for stock price motivation for narrowing the cash flow swings in. With a huge benefit for the internal budgeting and forecasting process also usually benefit when the expenditure can be planned based on the fixed profit which is derivable from the hedging rather than a variable amount which limits the expenditure to plan for future investments. Since many companies do not wade much around the speculation pool, hedging becomes a far more viable option to trade during uncertain times.

The real economy people are the ones who are taking the cake and eating it too! As their focus should not deter from their core business like the food chain, IT services etc.In case of projected profits is around 20 % then the bottom line exposure profit should be at least a 5% of what is to be achieved with this forecast. Since preserving the margins should be the prime focus of corporate rather than making a lot of money in all ways. This is not preserved will be immune to any currency moves and just postpone the impact on the currency movements. If the currency rates are hedged and communicated effectively they can become great tools to forecast and managed a foresighted approach on the appropriate responses to accommodate the sudden negative or positive pricing in the future, thus protecting the profits to be made in the near future. Smoothing the volatility in the markets at the correct instance is the prime focus of hedging in particular and minimizing the risk.

 

A Good Note On Pension Fund Management

A pension is a collective term used to represent a type of transaction made between the present working populations to their own retired population sphere. Further, this includes both funded and unfunded categories.

  • The scheme of a funded category is like an accumulation phase, where initially working population makes constant contributions that get summed up in a great amount and accounts as your retirement pension value.

But once you retire the funds the opposite process say the de-cumulative phase and pays out as pension to the retired people for the rest of their lives. The effective and accurate management of funds in this type of pension operating scheme is very important.

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  • On the other hand, the unfunded nature is based on the pay-as-you-drive theme and involves an instant transaction between current working people and the similar retired ones.

The accumulation phase is really enriched with positive rewards as you can observe the increasing value of pension fund within this level due to external contributions made to the remaining fund and also from the interest generated from the already existing asset in the fund.

Take, for example, a pension scheme that involves annual contributions of $1500 over 35 years, the asset value will build up to a particular value at retirement and also receive a value due to the interest rate of 5 percent tied to the fund. The interest ratings tagged with the scheme changes periodically and hence, the pension amount also varies.

Types of pension schemes

  1. Private plan: This can be further classified into two dimensions. This includes whether it is based on any predefined basis or is considered on a person or group basis. The pension received by an individual is always on a funded basis that works on the principle of accumulation. There are options within this fund plan and face the threat of fund under-performance at times.

According to a recent survey, the share of such pensions has risen from 12 to over 25 percent.

  1. Group plan: These are those schemes that involve sharing of accumulation assets across its generations. Occupational pension schemes are an example of this type.

The retirement money received by a person depends on the investment strategy and asset allocation decision made by pension fund professionals. Moreover, each industry has a specific set of investment management schemes and measurements upon which the pension value depends. Even though these plans are well-regulated, they need to be constantly monitored and managed with adjusted performance measures to avoid any risky situations.

Future of Fund Management

The power of money to stabilize many economies is true to a great extent; however, there are other contributing factors today. With the share of bigger corporations emerging, smaller enterprises are being absorbed along with a huge client base. The fear of exiting the market due to high leaning on the find performances has made medium companies battle fierce competition or just move out of the industry.

Reason for stiff competition

Milking the cash cows is how the industry is thriving for survival, the more innovative the financial product is, and higher is the definitive growth pattern:

  • the dominance of alternative investments are taking away the larger portion of the pie making it harder for the passive investment trends
  • a bigger scope of resources gets a larger portion of investments from the fund managers, with good EBITA and effective cost management, investment portfolios are being trimmed to have a mix of nontraditional funds to get the profits sooner and sustain for a longer tenure
  • a lot of effort and amount is invested in new innovation, new product launches, as the life cycle of financial products, is short-lived it makes the most of it now
  • the demand from the clients for a high performing asset in their portfolio is driving the fund managers to an edge to sustain their growth along with compliance with many regulations
  • With the mergers of many companies, to strengthen their presence in the markets and be the winner, it is essential to spread the cost incurred in the acquisition and get a good margin, else will be left with diluted profits, uneven management of talent and money.

Overcoming the tide

The focus for many investment based companies is to stay and wade over the rough tide since the year 2006 when the financial crisis really hit the markets globally,

  • maintain a good liquidity ratio
  • combating the negative market forces
  • curb the rising cost of maintaining the financial products
  • the high amount of fees paid to fund managers to tap into new customers
  • new technology and regulation to be adhered to
  • rising administrative cost which often makes the investors withdraw their funds and invest elsewhere as their returns are eaten up
  • constant reassessment of the financial products so that they are giving a good performance

With all the challenges ahead, financial products are still going to be highly invested area as there is no anvil from the banks with a very low-interest percentage offered on deposits.

 

 

 

 

 

 

Advantages of business valuation

Whether you are running a small enterprise or a large business, periodic business valuation is a must. Many small firms are usually apprised only when there is a change in the ownership either within the family or due to sale to external sources. When certified appraisers evaluate your business they discover loads of information which can be used for the benefit of the firm.

To ensure you get the right value for your business

A business valuation will ensure that you get a fair deal when you sell your business. It is also beneficial for the buyers as they too will be able to ascertain the value of your business and ensure that they are paying the right cost for the size and the condition of the business that they are taking over.

A clear picture of your financial status

During the appraisal, the experts do not look at just sudden instances of high sales or unusual expenses but delve in-depth into the company’s financial health and assess all transactions. This will provide a clear and transparent picture of the potential of any business. This method of evaluating your company’s capacity will show what your financial standing is and what kind of debts you have and from whom. This information will help you to devise a plan of cracking down harder on the debtors and ensuring that they pay up in time.

Improve profitability

To be a leader in your field you must innovate and reinvent your business constantly. During valuation, the appraiser will look for areas that need improvement to optimize profits and reduce your overheads. An experienced appraiser is well versed in your industry and can spot out the areas that need attention and can be improved for increased productivity and better profitability.

Your standing in the market

The current market is very dynamic and constantly changing in accordance with the global socio-political conditions. In today’s world, no business is isolated or immune from the trends in the market. Therefore, it is important to gauge where you stand in the market; do you have any specific strengths that are unique and different from the rest in the industry or are you in the same boat as the rest. An appraiser will not only look at the present situation but will also consider the future growth and prospects of your business.

Thus, a business valuation will help in improving your company’s overall performance and profitability if you can use the information provided by your appraiser in a beneficial manner.

 

Beware Of Secret Mining Apps

Cryptocurrency mining can be addictive in two ways. One is the confidence and encouragement attained by the miner with each new coin and block rewards. Second is the fun of doing something innovative and out-of-the-box, where you will be accompanied by one or more miners competing with each other.

You can say a different form of online game or gambling. Miners are recently getting shockwaves with more countries putting legal restrictions on transactions using cryptocurrencies and imposing tight financial policies.

Indirect mining cases are being reported now, where the miners literally hack into another person’s mobile application and carry out secret mining. In most cases, the application users will not get any hint that they are being hacked and running a malware on their mobile.

Mobile applications have become targets

There are two reasons why these high-tech miners selectively use mobile applications to increase their coin bounty:

  • Most of the mobile applications are downloaded by the users to use them regularly. Software and hardware downloaded on the desktop are seldom used, mostly when the users are at home and check out their system as a part of their routine. On the other hand, mobile applications are always with them, just a touch away and most probably running whenever there is an internet connection.
  • Trust factor of mobile applications and their appeal make them suitable for the miners to get a good platform of unsuspected activity. The applications are even available on Play store and will be based on popular streams like soccer games, daily monitoring apps etc. Footballs will not think even in extreme cases that they are playing a game, but in the background, their app is actually mining cryptocurrencies.

Play store apps generally ask permission to access data on the mobile phone as a mandatory step to download the app and the users have to abide by that. When the app is opened, the malware simultaneously opens a Javascript along with the HTML file which makes the processor act as a tool for mining.

Some of the popular mobile apps frequently reported to be hacked by miners are:

  • Gaming apps like football, match broadcasting apps
  • Weather reporting apps like those giving information about surrounding temperature, the current climate in specific regions, humidity, forecasts etc.
  • Regular trading applications
  • Applications providing Virtual Private Networks (VPN)
  • Apps which monitor mobile parameters like battery charge, memory usage, temperature etc.

While downloading any mobile apps from sites, we should ensure that the app is verified to be malware free and featured on trusted stores. Keep your device as well as yourselves updated about the miner entry.

CSR & Small Business

It is very likely for us to correlate the term CSR only with the established organizations, as big organizations indulge in such socially and environmentally benefitting campaigns. But, isn’t it the other way? That is these organizations have grown big not only because of their innovative deliverables but also because of their socially responsible behavior and therefore, every growing business trying to make it big in the world of business should engage in socially responsible activities and improve their CSR!

What is CSR?

CSR is the set of initiatives undertaken by your company to stand against the current issues or the future issues concerning the safety and growth of the society and the environment. Therefore, improved CSR means, your growing organization also values the society in which it operates along with the money aka profits, therefore turns out be a favorable choice among its customers, naturally!

Why concentrate on improving CSR

  • Because it is customers’ expectation

As a growing company, you know the importance of satisfying the sensible needs of the customers to survive the competition and earn satisfying profits. If so, you need to start engaging your company in socially responsible activities, as nearly 55% of the modern customers are eager to associate themselves aka consider the products or services of the company acting socially responsible, according to an independent survey result.

  • Because it creates more talented employees

For the quick growth of your business, along with you, your employees should also be dedicated and skilled, which can happen with your business practicing socially responsible methods. According to the survey conducted by an independent source, nearly 64% of the millennials prefer to choose the company with strong CSR values, while 83% of them believes in staying committed to the organization that is loyal to the society and the environment by contributing suitably to the social and environmental issues.

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This shows, a dedicated workforce for your growing business is only possible with better CSR performance and therefore, start concentrating on it right now to become a strong company in the future.

  • Because it fetches better financial rewards

For a small business, the importance of the solid financial support is understandable, which can be better achieved with the better CSR. The same has been substantiated by this study of small businesses in Malaysia. According to this, a small business’ responsible practices towards the society, environment, customer, and employees will have a positive impact on its financial performance, needed very much for the business’ further development and reputation!

  • Because it boosts the trust factor in your stakeholders

The primary stakeholders of your small business aka the customers and the employees, consider the socially responsible activities and goals of your organization as the parameter to decide your trustworthiness, according to this study. Therefore, make your organization socially and environmentally responsible and grow in strength, revenue, and popularity, manifolds.