MYfintec Review – Trading Forex and Cryptocurrency With The Best Broker

Introduction

With a rapidly growing global population dealing in CFD today, many online brokers continue to stream in the marketplace. One worrying but the very essential thing in such an investment is the growing rate of scammers who claim to offer the services.

But as an investor in either cryptocurrency, CFDs, stocks, foreign exchange or commodities, it is crucial to engage a trustworthy and highly recommended agent. Are you looking for a desirable and reputable option today?

Good news is the MYfintec platform which was launched nine years back is here to protect your finances and give a smooth investing process without the fear of getting duped. The platform has its head office in the Marshall Islands, New Guinea and run by a Kin Family.

It is one of the listed dealing firms bringing in your decision-making process extraordinarily stress-free and enjoyable. The platform has an aim to offer the essential requirements for all potential traders including both the novice and well-experienced.

Why opt for MYfintec.com.

Among the enormous problems in this marketplace includes lack of experience and sincere brokers. But this trading platform, MYfintec.com, assures and provides accurate and authentic information regarding the products offered. Though the site has not existed for centuries, this online dealer, MYfintec, has penetrated and become well-known in the market and attracting many traders. This platform will not let you regret your decision through the ultimate unique and manageable features.

And at this time, MYfintec boasts of the many traders who have experienced and used the offered trading incentives. The highly experienced staff are combining efforts to confirm the commitment to be the leading and the best-listed agency in the market.

This article describes to you what makes MYfintec (MYfintec.com) among the best select brokers and all that you get to benefit from the irresistible trade. You need to get into business with this flexible and highly dependable platform and below are some facts about its features.

 

  • The Platform’s Products and Assets

 

Tradologic Contact for Difference (CFD)

MYfintec is highly committed to remaining popular and the best choice for its traders now and everlasting times. For the many years of existence, the brokers have stayed faithful to the primary focus on attracting and getting many new clients. Through the inward determination to be unique and serve differently from what the competitors do the platform keeps receiving new account openings. The Tradologic Contract for Difference (CFD) software has enabled them to provide a smooth and all-in-one trading experience.

One important thing not to forget about MYfintec is the incredible trading openings. Despite the fact it is mainly known for forex and cryptocurrency trading, it is true this is not all you manage to trade through this broker. You also get access to a multitude of exotic currencies such as Turkish Lira, Hong Kong and Singapore Dollars, South African Rand and CFDs and the assets include Litecoin and Bitcoin, stocks, indices, beverages like wheat, coffee, corn, platinum, gold, silver and gas and oil.

 

  • The Diverse Account Options

 

Once you decide on the great offers from MYfintec, the next important step to your trade relationship is getting signed up on it. On this online platform, the process is straightforward and does not require any expertise. As a trader, it is necessary you key in information including your real names, working email addresses, choose a password and specify on the preferred trade currency as per your location.

As it is a routine in any official business transaction, it is essential and advisable you provide truthful information. Being part of this useful platform I not different, the accuracy helps prevent any future troubles with your account and the verification process. Once you enter the details, you receive a notification to prove your identity and even the address.

In case of any incorrect info, your future fund deposits and withdrawals will be hard and very frustrating. To avoid this trouble and have smooth trades, it is better to give proper and up to date details. However, in case of any mistakes done, one can send a request to MYfintech.com and inform of your intention immediately; not later than 7 days.

Account types

For the registering process to complete successfully, every trader must select one account which is satisfying. MYfintec understands the vast range of the customers who trade with them and offers different account types. The platform provides unique five options which are catering for the different skills and experiences of the potential traders. The available categories include:

 

  • Basic Account

 

To qualify and successfully sign up for such an account type, a deposit of at least EUR 500 and a maximum of EUR 2,500 is required. It is mainly recommended for starters. The benefits of considering such an investment include the trading alerts and advanced charts; the signals are sent to you once a day. However, in one month, you also enjoy two trading terms with 24/5 customer care.  

The education center on the platform is partly accessible by you. You also enjoy an approximated 10% leverage, plus up to 30% loyalty bonus of up to 30%. You can access and use the junior account manager for two weeks.

 

  • Silver Account

 

Most of the features of the silver account are comparable to the basic type as discussed above.  The main difference comes on the needed deposit which starts at EUR 2,500 and the maximum being EUR 10,000. Also, the leverage quantity is different coming to about 20%, and two times trading sessions every week.

 

  • Gold Account

 

The traders deciding for this account must pay the least of EUR 10,000 and maximum of EUR 50,000. On top of the similar features of the two accounts above, this type also offers webinars and exclusive updates. The privileges here include the full-time available education center, two times signals in a day, unlimited senior and junior account manager and available trading sessions in three times a week. Its leverage is about 30%.

 

  • Platinum Account

 

The incomparable account opens when you deposit a minimum of EUR 50,000 or the high amount of EUR 250,000. As an added benefit, in this account, the offered loyalty bonus goes up to 40%. It also provides trading signals three times a day, supports SMS trading alerts and even the money management.

 

  • Diamond Account

 

Having this account option means you only need to deposit the minimum amount of EUR 250,000 since there is no highest invested amount. Consequently, the MYfintec platform offers up to 50% of a loyalty bonus, unlimited trading signals, and leverage to your account.

 

  • Convenient Deposit options

 

Convenience to all the users is a fundamental thing to MYfintec many times. The platform is set up always to avail quick online deposit opportunities. Besides, multiple currencies are allowed through the various acceptable methods. The platform creates a more comfortable environment for all traders to grant the brokerage demands.

Your account can run with either the Great Britain Pound (GBP) or Euros (EUR) currency with 500 as the lowest deposited amount for both. MYfintec charges no fee during any incurred outside platform fund transfers, for instance to your local bank which is likely to credit you for the transaction.

The payments must be to or from an individual’s bank account or a debit or credit card holding similar name to the one provided during registration. Always remember that a non-member cannot send you any amount at a time. Also, for the existing joint accounts, any deposit made must have the name in the trading account as entered during registration for verification.

The funding options allowed are from all the leading bank’s credit cards, either your Visa or MasterCard. The interbank money gets sent quickly unlike the wire transfer option which may last and complete within three to seven days.  To achieve a deposit, all you need is to visit the site and select the green button, then proceed as desired by you. In case you get stuck the support team are reachable day in day out.

There is no need to worry about the fund’s security; none can access your account since the password the platform never shares with anyone else. The invested amounts also kept in an isolated bank account, so at no time will MYfintec use or access it. The agency values your privacy.

 

  • Withdrawal

 

The platform also offers an uncomplicated and hassle-free process to all traders as it happens in the deposits. The fixed least removed amount either from your credit, debit cards or bank account, stands at 100 EUR/GBP. Also, PayPal and Neteller, the online options are permitted too. The online services last three trading days to complete while wire transfers become successful between 7 to 10 days.

For every withdrawal, there is an imposed fee; however, the good news is, MYfintec works to reduce the trader’s charges by providing one free removal in a month. After this, any added transaction attracts the average EUR 25, processing fee; this process includes confirmation sometimes, and staff from MYfintec communicates if necessary. The goal of MYfintec is to make it easy for traders to deposit as well as withdraw money from their account.

 

  • User-Friendly Platform

 

Some top trading platforms make it hard for users to navigate on their sites in as much as it should be an interactive place. The complex and inflexible look keeps off a good number of interested traders. At such a point, MYfintec.com comes in to help traders overcome the understanding process.

The platform created a user-friendly and straightforward interface easily moved around by both beginners and long-time traders. The whole lot of information in this site remains very honest and direct to all. For non-English speakers, there is no need to worry about the understanding; other several languages options are available for you. This translation makes the information displayed very convenient and probably benefit all global traders.

The site is a well-established one and all the contents arranged in the corresponding section. The features and plan made it easier for the traders to access the data needed. The first appealing step is in locating the commands like signing up the process and in merely few steps, you are good to go. Also, the site’s design is suitable for both fresh and well-defined users.                                                                                                                                                                                                                                                                                          

 

  • Guaranteed Data Security

 

Every time an individual invests especially online, the number one worry is the protection of the funds. The brokerage industry has several untrustworthy and fraud individuals and groups which also, spoil the reputation of the business generally.  MYfintec understands well this challenging matter and deeply invested much support to safeguard client’s transaction information and any entered details on the platform.

The platform applies state of the art, and the unique SSL encryption using a 256-bit to protect completed sensitive data from traders and guarantee security. Also, to access and control the site’s operation and routine checks, security experts use a firewall to conduct the process routinely. All passwords are encoded, and only the account-holders have the details.

The deposited and withdrawn funds is also another point of interest for MYfintec. The trader’s funds always need security, and fortunately, this brokerage agency never forgets about it. By implementing the accurate accounting systems and keeping all client’s accounts separated from the company, accounts has made the process successful. There is no time clients’ money, interacts with the MYfintec.com’s account.

Also, the platform follows all international scam statutes and executed Anti-Money Laundering (AML) procedures. The encryption of all transactions on the system gives no room for financial data compromising. With this in the plan, no third party can gain access to your data and even know how much you have in your account. There are high levels of safety and what all clients want is to invest in a trustworthy place.

The registration process also recommends that you provide your identity details which are believed to be unique to prevent instances of money laundering.  However, the brokerage investment turns out to be risky when initially getting into it; it is advisable to join any wisely and only after complete understanding of what it entails. With this detailed write-up, you can find some important reasons to look for such an experience.

 

  • Affiliate Marketing Process as a Bonus.

 

The digital marketing is not left for an industry since, during the process of brokerage, it is vital for both clients and the agency to expand the databases. The increase in numbers comes along with many social advantages including earning the traders a bonus, and to the platform, massive web traffic recorded.

MYfintec looks to have many new brokers as possible as much as maintaining the veteran clients. The platform founded the Refer program which also lets the current client’s profit as well.

All you need to do is to refer the brokerage service to other people in your social circle. For every converted lead, a 10% commission from the direct referral’s deposit gets offered to you. Therefore, every trader has a chance to make multimillion dollars only from the commission by simply inviting friends to use the online platform. Every earning you achieve gets accredited to your account and not to anyone else.

Also, for every converted referral invited by the direct individual, an extra 3% commission on the deposit gets credited. This process is a sure way to get extra money and not only depend on what MYfintec offers to you. Through the referrals, the platform can bring in new sales, and the existing users get motivated to bring in more to earn extra.

 

  • Additional Educational Resources

 

The truth is that every potential individual has higher chances of beginning the CFD trade without having to undergo any worries. Currently, the number of traders globally has grown, and many more expected to get introduced. However, one of the barriers to the potential people to make quick decisions and join in the market is the increasing trend of frauds and the misinformation that spread everywhere and quickly.

To get more people being part of the platform, either for leisure activity or sourcing income, My Fintech has taken responsibility and made it easier to impart knowledge to the target audience. Incorporated onto the platform is the complete education package to help the clients to survive for long in this marketplace. MYfintec lets new and longtime traders obtain all the informative and in-depth support and programs by sharing tutorials on current topics.

Such information tends to open the individual’s awareness of what is latest in the market and who is legit for wise decision making. Even the traders stand chances to become equipped with new trading skills and strategies in the long run. The Tradologic software used by MYfintec provides a seamless as well as a lag-free reality for all the users which increases possibilities to succeed in the trading purposes and ideas.

The reading resources come through videos, e-books, and webinars and are correctly written and chosen by specialists from a range of the financial market and other. The profound information is a significant contributor to the thoughts from all in the trade and those in the process of coming in.

 

  • Wide Market Range

 

Through one platform, the MYfintec.com, traders have a large opening to invest in many and diverse markets. However, many think that from the name, the trading platform only deals with Forex. The assumptions are not correct since MYfintec serves and reaches out too many worldwide financial marketplaces.

What it means to you as a trader is that, you have very many opportunities to tap and several businesses to interact with and make a rich database. The other assets for you to enjoy trading in include Cryptocurrencies, Forex, commodities, indicates, and stock.

When you get a chance to interact with other individuals and high-end companies, it also opens your possibilities of getting connected to the world. All the trading’s and beneficial transactions noticed in your account become stored in the encryption system. The more you transact and interact, the higher your share value.

 

  • Quality and Convenient Customer Support

 

From the focused and experienced top leaders who understand the financial sector very well and the needs of all the customers, be assured of excellent support regarding knowledge and personnel. MYfintec.com takes pride in the expertise of the customer support staff to be among the resources offered to the traders. Keeping in mind that most times the traders get stuck as they do their transactions on the site. The team is available 24/5 to aid in your purchasing decisions and answer all the concerns that you have regarding the services.

Usually, the reliable customer care system answers and assists traders anytime: all day and through the night. You can always make a phone call or reach through any of the online platforms like sending an email, or the live chat support, or even send text messages.

The agents are approachable and remain devoted to providing correct, thorough and straightforward answers to the problems of the traders. The team also greatly offers needed and relevant help about this platform or the general questions. Sometimes they call the traders to verify some transactions if it is worth.

Conclusion

With the increased online investment, MYfintec.com is the highly ranked platform to trade with should you develop an interest in the widespread crypto-trading.  The authorization by the regulatory body makes it the best and more unique from the other agencies.

In our MYfintec review you can see that this broker looks to fill in the gaps left by the other competing trading platforms who have failed and disappointed their customers. With the existing range of products and assets to trade in, all users of the platform have an assurance that they are adequate to work and invest conveniently. Any interested and qualified individual who understands how the process goes is eligible to have an account and spend.

Unlike other platforms, MYfintec offers excellent online support via chat or call the customer care service representatives. With this presence, you can continue with the normal process as soon as helped off. This platform is the place to start your earning and participate in the many solutions, educative resources and make more profits. Start trading confidently with this convenient platform today.

The Future of Real Estate

Today we sat down with Svetlana from Malta Sothebys Realty to pick her brain about the future of real estate. When you spend 10 years of your life selling properties, going to property seminars and being immersed in the real estate world, predicting the future get a heck of a lot easier!

Nobody really knows what the future brings and everyone has to wait to see what will happen. But as unpredictable as the future may be, people will still need a place to live, work and play except that the real estate needs of the new generation are changing. Developers need to adapt to the different mind-set millennials have for real estate property. Their attitudes towards home ownership and space sharing are creating a demand for multi-use developments that offer a “live, work, play” environment.

They are digital natives who grew up with technology and have little patience for those who shy away from using it. Chances are they will start their house hunting by looking at online listings on mobile devices such as smartphones and tablets. With the development of technology and changing market conditions, the real estate industry needs to adjust and be flexible going into the future.

Residential real estate will become more specialized with millennials looking for dwellings that cater to their technological needs also known as “smart homes.” Whether as owners or renters, they want to automate and control home lighting, entertainment, temperature, safety, security and any service they could possibly need with just a click of a button. They prefer a house that automatically locks the doors at night, turns on a thermostat the moment they walk in, turns up the volume when they are watching T.V, and switches on the lights when they go from room to room.

The increasing demand for smart homes will noticeably change the housing market as this younger generation starts to buy or rent houses.  As smart home products become less of an emerging fad and more of the new norm, real estate practitioners need to anticipate their clients’ need for comfort, security and convenience, and create smarter and safer homes.

As for commercial office buildings, the upsurge in digital technology will change how work spaces will be utilized. The traditional nine-to-five hive is being replaced by satellite or home offices that can do videoconferencing and store digital files. There is a steady reduction in space devoted to a physical office as the conventional office worker is freed from his or her desk with the use of mobile technology. Commercial real estate developers need to transform the usual large, monolithic office buildings to hybridized spaces that can respond to the changing work mode of millennials.

Future office spaces should bridge the gap between work and personal life with areas for fitness, relaxation, gaming, sleeping, etc. Employees should be able to choose where they want to work in the office whether it is warm or cool, dim or bright, private or collaborative areas. Technology integration and environmental sustainability will also very important.

How people will buy houses and rent offices in the future will likewise change. Because millennials are tech savvy, they can access almost endless information online and are better informed than ever before. The proliferation of search portals makes them more knowledgeable about buying and renting considerations such as commute times, quality of nearby schools, proximity to services, and crime rates. They will go through the house buying process in a different manner by using online platforms to conduct transactions. Buyers will be able view an entire home, room to room, without having to physically go see it through virtual reality.

Those with jobs and good credit standing can apply and receive mortgage approvals from their smartphones using mobile apps. Electronic checks will make the use of cash and checks obsolete in buying and renting real estate, and e-signing services will transfer much of the paperwork of real estate transactions online.

The future of the real estate industry should be interesting as it heads to the next decade and beyond.

Should you rent or own, and why?

What options are better for you? The answer will be different for all individuals because it depends on a wide range of elements. For instance, the cost of living, whether the area you intend to live has high or low property markets, your needs and the list is tiring. Sometimes some questions might pop out in your mind. Should I buy instead of renting? Should I move somewhere else and rent? Let’s try figure out the advantages and disadvantages of renting and owing. This might clear out all your doubts.

Renting! Renting a house or apartment comes with loads of advantages. However, it has some pitfalls too. When it comes to the cost, it is usually cheaper to rent but, in that case, the property on which you are living isn’t yours. This means that whenever you are repairing or upgrading your dwelling place, you are ultimately increasing the owner’s real estate. Imagine you live somewhere for 10 years … At the end of the day, what was the overall added value that you’ve contributed. A lot, right? When you rent, there is a lot of conveniences. No time spent on the maintenance and it eliminates dealing with a wide range of other things. However, when you rent a house, there is no equity. No savings while paying down payment. Renting enables people to make smaller investments which pay in the long run. If you decide to rent, there is the benefit of easily moving if you don’t like your rental. However, when you rent, the landlord can decide not to renew your lease or even sell it to someone else. Then you will be forced to move even if you love your home. Before deciding whether to rent or own a house or apartment, it is important that you analyse all these advantages and disadvantages.

Owing! If you have the wish to own your place, then ask yourself these questions. How often are you planning to move? Can you afford down payment? Do you think you will afford the monthly mortgage payments? Will the bank lend you a certain amount of money? And so on. When you own your place, you will derive a sense of pride. It’s your place and you own it. After several years of improving your place of residence, you will be building equity. What does that mean? Maintaining your home and improving it, gives it equity in the long run. Its value can increase. However, sometimes investing in a real estate is not as liquid as some. It is more stable if you own an accommodation rather than renting. There would be less unfamiliar faces around your neighbourhood.  This means that you might develop some long lasting bonds and relationships with your neighbours because turnover of homes is more likely to have permanent residents than changing tenants in apartments. If you want to own a house, there might be some tax deductions. Your real estate taxes and your mortgage interest can in cases be deducted and hence yield lower income tax. There is also some loan potential when owning your abode. Having equity in a place of accommodation enables the owner to borrow money from banks for several circumstances like College Tuition, retirement and so forth. Deciding whether to rent or own your dwelling place comes with a lot of responsibility. Make some thorough research and don’t hesitate to ask questions around you.

Enjoy the panoply of games on the casino online – Regal Wins Casino, before making any major housing decision. There is a whole host of exciting Slot games, entertaining Table & Card games and fun-filled Scratch and Arcade games. How about having some slots gambling episodes on games like BerryBurts Slot, Rise of the Olympus Slot, Lucky Links Beat Slot, Lucky Lady’s Charm Deluxe Slot, Book Of Ra Deluxe Slot, Lord of the Ocean Slot and many more sensational games.

Why Would A Former Wall Street Hedge Fund Manager Ditch His Privacy for Blockchain?

Paul Mampilly, an American investor, and former Wall Street hedge fund manager stated last year that he would be willing to have a chip placed in his body if it meant his life would be easier. Mampilly’s bold statement came from him not wanting to waste time in line getting his state ID renewed.

How does this relate to blockchain? Other than cryptocurrency, blockchain technology can be used to protect a person’s personal and financial information.

Before describing how it can protect a person’ s personal information, let’s explain what blockchain technology is, and how it works. For starters, it’s a list of records that are linked together through a series of unreadable code, also known as cryptography.

Because of this link, a person can find his or her information in one location. Therefore, the time it takes to process an individual’s personal information becomes shorter, and people get out of places much quicker. For instance, a thirty-minute wait to get your state ID renewed would turn into a two-minute wait thanks to how blockchain works.

In addition to linking data together, blockchain technology records data used in transactions. Afterward, a person’s personal information gets locked away to prevent it from being stolen.

Because blockchain technology locks away someone’s personal data, it does a much more better job of securing their information from thieves. Therefore, making identity thief much harder to pull off.

These reasons are why Paul Mampilly stated he would ditch his privacy for blockchain.

While one could understand Paul’s excitement over the potential this sort of technology offers, it does come with flaws that hackers can use to their advantage.

Yes, blockchain technology gives people the power to decide what information they want to share and information they don’t want to share. Also, it does a much better job of protecting a person’s data from identity theft.

However, there’s still a way for someone to steal people’s data, even with blockchain. Earlier this year, a Ukrainian group, Coinhoarder, took fifty million in cryptocurrency from Blockchain.io users.

According to an article in Fortune, the group pulled it off by purchasing Google ads on popular keyword search terms related to cryptocurrency. Once they bought them, Coinhoarder used the search terms to lure unsuspecting victims to click on links to websites disguised as credible domains for Blockchain.info wallets.

Furthermore, vulnerabilities in blockchain software can cause people’s personal information to get stolen. One example of this was the Parity Wallet Breach scandal that happened last year.

A UK-based start-up known as Parity discovered a vulnerability in their wallet software, which resulted in at least 150,000 others getting stolen from user accounts. Near the end of the year, the company found out that the ether accounts were worth close to over a million dollars.

Even worse, the start-up learned that the money in 70,000 of those accounts had been cashed out. Meaning the business couldn’t recoup the financial losses that occurred during the breach. What’s worse about these breaches is there’s a low chance of finding the person(s) who committed the crime once cryptocurrency gets converted into real money.

While blockchain technology offers some benefits that make people like Paul Mampilly go crazy over, it comes with drawbacks that can put people’s financial, or worse, personal information at risk. In the future, let’s hope the negatives that comes with blockchain improve so more people can use it without fear it’ll get breached.

Because, there’s potential for blockchain technology to revolutionize how people protect their personal information. If you enjoyed this content, share it with your friends and family on social media.

A Simple Technical Checklist to Find the Best Car Title Loans Online

The sheer convenience of shopping for car title loans online is countered by the rider many lenders pose wherein you have to take your car and title along with you to one of their branches so you can get approved. A car has to be appraised for the required price evaluation and that will determine the loan amount you are eligible for. However, there are some lenders that would be willing to offer you car title loans completely online. Since you can anyway explore all available car title loans online, you should be able to compare them to find the best proposition. You will need a checklist to compare the various loans and it cannot be solely confined to the rate of interest, loan amount and repayment term. You have to delve deeper into the terms and the different variables affecting the proposition in your favor or otherwise.

•The first factor on the technical checklist would be the car. The value of the car will determine how much loan amount you can avail. Some lenders will cap the loan amount at half the value of the car. The value of the car is the price at which it would resale right now. Some lenders would be more lenient and you may get more than half the present value of your car. The proportion of the value of your car a lender is willing to consider as the loan amount should be a criterion while choosing or comparing car title loans online. The second criterion in this context itself is the value of the car as ascertained by the lender. Not all lenders will have the same assessment. Some lenders will be more generous. Others will be more stringent and rather limiting on the loan amount you can apply for. Prioritize both these aspects. Select lenders that are more generous with the appraisal and those that will offer a higher loan amount vis-à-vis the resale value of your car.

•The loan amount, rate of interest and repayment term will always remain the three most fundamental criteria while exploring car title loans online. These three are the basic components of a title loan and hence you would find it rather easy to pit one proposition against another. However, do bear in mind the legality throughout the whole process. You should be aware of the state laws applicable to car title loans online and offline. There is no federal law as such as every state has chosen to determine the statutes that shall regulate the title loans within their respective territories. No lender should levy a rate of interest that is higher than what is permitted. Some states do not cap the rate of interest so you may be unlucky in such scenarios. Some states have prominent caps on rates of interest, loan amounts and repayment terms. Do not accept loans (see loans.no) from lenders that are bending or breaking the law.

•The repayment term is more than just the duration or timeline by the end of which you must have completely repaid the loan along with the accrued interest. The repayment term should have provisions for renewals. There will be lucid clauses that explain how you must follow up in case of a missed installment or if there are late fees levied on your loan. There may be instances when the lender will send you a notice or they may not send one prior to seizing your vehicle and taking possession of it before conducting an auction to recoup the money they had lent. Some lenders will coordinate but most states do not mandate this as a prerequisite. You should be well aware of your rights and you should guard against unfavorable terms in the agreement. Read the loan agreement or the terms and conditions before you actually get the amount disbursed and credited into your account.

•There are lenders that would not make the entire agreement available till such time you are approved for the loan and they are about to disburse the amount. You must have a failsafe before the money gets credited. Most states have a law wherein you can return the amount credited to your account within twenty four hours and you would not be held responsible to pay any interest. You will be relieved of the loan, even though you had applied for it and gotten approved subsequently. This provision is there in the state laws to allow people to rethink or go back on their decision to accept a loan that they do not want anymore. You can also use this statute if you think you have had an unfair deal or if the lender has misled you in any way. In other words, if you do not get a chance to read the entire agreement online or before you get approved, you still have the option to do so on the day of loan disbursement and undo the process.

Four Reasons Why You Should Consider Hiring a Financial Consultant for Your Business

Hiring a financial consultant is an expense seen by many businesses as an unnecessary and avoidable one. Why hire an outsider and pay a hundred dollars an hour for something you could try to get from a book or an existing employee who has a finance background? There are many reasons and situations where you might need a financial consultant. Here are four of them:

Gain Insight and Expertise

Regardless of the product or service that a business offers, a financial consultant can focus on the right questions and work towards answering them. As a result, the solutions they bring to the table can streamline business operations and make your life as CEO or business manager easier. Being able to streamline your business operations means your costs are reduced and, consequently, profits are maximized. As a business owner, you are expected to play various roles, such as marketing to product development. While this could work for some roles, it’s best to hire a professional when dealing with your business finances. The slightest miscalculations can end up bankrupting your business. Working with a consultant, you can get insight on how to better manage your available capital, identify cash flow issues before they become major, crippling problems, and ultimately how to keep your business afloat and eventually profitable.

Lower Costs

The consulting business, particularly financial consultation services, can lower costs and give you better control of your finances. Business expenses can grow out of control without any financial expertise to help you curb them. For instance, a financial consultant can use his/her experience to develop internal accounting measures for monitoring expenses. While learning through experience can be one of the best ways to cement important lessons, not every business needs to reach bankruptcy in order to learn how to best manage cash flow.

Prepare to Scale

The financial consulting business can help you prepare for future developments. When planning for the future of your business, it’s easy to get emotional. Excitement, anxiety, and every emotion in between can rush in and take over. A financial consultant, however, offers a neutral and objective perspective that is necessary for dealing with finances. They can give you some much-needed clarity and help you channel your vision and take your business in the right path for growth. To scale, a business needs an objective, an action plan to actually reach that point, and strategies to execute the action plan. With a financial consultant, you get these three things.

Help Get More Investors

Working with a financial consulting business gives your existing investors peace of mind that their money is being taken care of. It makes your business more trustworthy and invites more investors in. An investor is more likely to invest in your business if they know you have the capacity to handle finances responsibly. And one way of proving that to investors is by having a reputed and experienced professional consulting you.

Consulting services are a great addition to your assets; it allows you to minimize expenses and maximize revenues, get more investors interested in your brand, and help your business prepare to scale upwards in the years to come.

Author Bio: Adrian Rubin is a graphic designer and freelance consultant.

Facebook business marketing reviews for social media marketing

Facebook is one of the prestigious platform through which you can grow your business in a rapid rate. As we know that it is an era of technology, so everyone is busy in making good strategies of social media through which they can turn around their businesses. The Facebook has been always helpful in growing the business of the people. The marketing business people are introducing new terms and condition through which they help the people to grow their businesses. If you are also interested to get the information of Facebook marketing program through which you can make huge benefits in your business, then you are at the right place in this regard.

  • Facebook marketing is now on top
  • Facebook has millions of users
  • The number of users is increasing
  • Facebook can turn around your business 

Post about your business regularly:

There are millions of positive reviews of Facebook users. The owners of business are using the Facebook pages to promote their products and other things. For getting the positive results and reviews from the people of business marketing, they love to post on regular basis. The ads that you will post on the social media like Facebook will reach the every corner of the world according to your audience selection. Therefore, you must invest on the social media to grow your business.

The business marketing people of Facebook are getting the positive reviews through which they are making good amount of money. You can sale any of your product on the Facebook by giving an ad. The people will contact you after seeing your ads. Therefore, you have to post on regular basis to get the positive reviews.

  • Regular posting will grow your business
  • Can set the targeted audience
  • Run the paid ad campaigns

Encourage the comments of users:

Suppose, you are posting about your products and people are giving feedbacks about them, then you have to encourage their comments. The more you will encourage the comments of users, the more you will get the place in their heart. So, don’t try to insult your customer. Give positive feedback to their responses.

  • Always give positive feedbacks
  • Don’t show arrogance
  • Be optimistic

Respond quickly to the comments:   

If any of your client has posted a comment on your ad, then you have to be quick in responding. Quick response will give you positive reviews in your social media and Facebook business marketing programs. So, you have to hire a person who will handle your page to give quick responses to the posted comments of users. You can get there complete help of journal review.

Pictures and vides can be effective:

The best way to get the attention of people is to use pictures and videos. The pictures and videos will make a good mark in the heart of users. The more you will use picture and videos on your ad, the more people will come to buy your products. Therefore, if you want to grow your business through Facebook and other social media sites, then you have to post pictures and videos for effective business marketing.

Automobile Maintenance You Can Do Yourself and Save Money

One of the moost essential things in your life is your automobile. It gets you from one place to another and you depend on it for your livelihood, yourself, and take your family to important places.

Your vehicle has monthly costs and you should try and mange those as well as possible. You should purchase a vehicle whose monthly payment you can afford and you should purchase gasoline at places that offer a good price. In terms of car insurance , you should shop around. The price of insurance can vary and you can save lots of money by doing your research.

Automobiles also have ongoing maintenance costs. Depending on the type of car you have, these can be very expensive. However not maintaining your car can be even more expensive. Smart car owners scan lower car maintenance costs by learning how to do simple maintenance and repairs. Here a few you can do to help save money.

Spark Plugs

They supply the electric charge to help your pistons move in your engine. When one or more goes bad, you engine will not work properly. Today’ spark plugs last up to 100,000 miles but often they go much sooner than that. You can suspect a bad spark plug if you are having engine misfires, a rough idle, or a problem with acceleration or starting your car. Replacing them is a relatively simple job for most people. You simply need to refer to your car’s owner’s manual for detailed instructions. With a wrench and a little bit of effort, you can get this job done in less than 30 minutes.

Adjust Tire Pressure

Your tires are the only contact that your car has with the road and they need to be at the perfect pressure for several good reasons. First when you tires are at the manufacturer’s ideal pressure, they are ideal for driving your specific automobile. If your tires are over or underinflated it can cause your steering to be too heavy or too light causing you to be more accident prone. Ideal tire pressure gives you them the precise amount of rubber on the road. Second, ideal tire pressure gives you the best gas mileage. Your car will roll perfectly with the right tire pressure. Finally correctly inflated tires will last longer.

You should check the car manual to find the ideal tire pressure for your tires and it is also on each tire. Some cars today have a sensor that shows up in the car when any of the tires do not have the correct pressure.  You can go to nearly any gas station and use their air to inflate your ties. There is an electronic gauge on the air pressure machine that tells you how much air is in your tires. In less than five minutes you will be on your way.

Replace Windshield Wipers

One of the most important safety features in your automobile are your windshield wipers. You may not know how valuable they are however until you are caught driving in the pouring rain and they do not work properly. The blades should be changed every year and sooner in places with harsh climates. You can get a set for your car at any automotive store and change them easily within ten minutes.

Healthcare Hedge Fund Visium Self-Destructs But CIO Jacob Gottlieb Is Still Standing

Some people say Jacob Gottlieb is an over-achiever. If you look at his accomplishments, there may be truth in that statement. Gottlieb had a flair for investing while he was in grade school. He won a stock selection content in the 7th grade. He was also one of those kids who wanted to know more about medicine. His mother was a pediatrician. His father was an economics professor, so he also wanted to study economics at Brown University. And when he got a BA in Economics from that institution. he decided to enroll in New York University. Jacob earned a Doctorate Degree in Medicine at NYU. Dr. Gottlieb joined the staff at St. Vincent’s Hospital in New York City, but his medical career at St. Vincent’s was short-lived.

Jacob wanted to help people, but he also wanted to work on Wall Street. So in 1998, Gottlieb joined Sanford C. Bernstein & Co, an investment company that focused on healthcare. He cut his investment teeth at Bernstein, but he got a chance to work at the Merlin Biomed Group as a healthcare portfolio manager. Jacob and Merlin weren’t a good fit, so he joined Balyasny Asset Management That moved solidified his position as a successful investment strategist. In 2005, Dr. Gottlieb decided it was time to manage a larger hedge fund, so he founded Visium Asset Management.

Visium was his dream job. He was able to build a hedge fund with more than $8 billion in assets under management. Visium Asset Management had 170 employees, and a team of hungry hedge fund partners who wanted to make a name for themselves by playing by their own investment rules. In 2016, the FCC found proof of insider trading, and Visium became another good idea gone bad. Jacob Gottlieb was not part of the inside trading fiasco. He is the only man standing after three partners broke federal regulations. Gottlieb was a victim not a perpetrator in the investment debacle. He is still working at Visium as the CIO even though the firm is now another statistic in the investment industry.

The publicity surrounding a federal violation can destroy reputations and careers. But most of the partners at Visium moved on and are still working in the investment industry. Gottlieb believes he has more to give in the hedge fund world, so while he is winding down activities at Visium, he founded a new hedge fund called Altium. Jacob calls his new venture a boutique hedge fund because he deals with small growth companies. Altium is a new venture for Jacob Gottlieb, so he’s busy doing what he did at Visium. But he’s using a different approach in order to assure the firm’s employees play by the book. Starting a new hedge fund isn’t easy, but Gottlieb makes it look easy thanks to his connections in the industry as well as his over-achiever mentality. When he’s not working, Jacob is active in several non-profits in New York City. Gottlieb spends his free time helping the Robin Hood Foundation, Math for America, and the Covenant House.

The Robin Hood Foundation helps alleviate poverty in New York City. The Covenant House help kids who are runaways or who are victims of homelessness and trafficking. Math for America recruits and retains high-quality STEM teachers for New York City Schools.

Dr. Gottlieb continues to help people live better lives. And he continues to help the healthcare industry evolve in this fast-changing 21st-century. His decision to start Altium is part of his mission in life. Gottlieb doesn’t look back. His mind focuses on the present as he plans for the future.

How to Choose the Right Payment Method for Your Business

Finding the right way to conduct payments for your business can be tricky, especially since there are so many different options available now. If you are just starting a new business, you might be overwhelmed by what you should use and which you think will serve your clients the best. It can take some research and time, but choosing the right payment method can determine the success of your business.

Here’s how you can find the right payment method for your business and for your customers.

Determine your buyer

Do you know the types of customers that would be most interested in what you have to offer them? Who are you likely to see coming through your door and being intrigued by your product or service? Knowing your buyer can help you decide a number of factors when you are beginning to put together your business, but it can also help you decide which payment methods are likely to work the best and if you should have several options available for your customers.

Determine your industry

What industry your new business is in can determine how you will want payments to be made, how much you want to pay in merchant fees, and whether you will want to have several types available. For large payments, credit cards will probably be necessary, and you might also want to accept checks, as well. If you are running a company that is more localized and the transactions are smaller, then having credit card payments and cash might be enough. It’s worth it to think about the maximum payment a customer might make and whether you are prepared to take it.

Consider online

Anytime you are selling your product or service online, you will need to have a few types of payment methods at hand. Paypal and other online methods can be very helpful, and as more and more people tend to buy goods through ecommerce stores, it can be necessary in order for you to succeed as a business. While most payment will probably still be conducted through a credit card, having that option can also benefit you as a seller when you don’t want to pay as many fees and you want to make it simpler to conduct returns if necessary.

Consider costs

Using some payment methods cost more than others, and you will need to take a look at your checkbook to determine what would work best with your business’s expenses. Each company is different, and depending on the cliental and your overall costs, you’ll want to choose methods that end up benefitting you as a business. Take the time to sit down and look at your overall costs and see how you can balance things out appropriately—you want to serve both your customers and your budding company.

Choosing the right payment methods for your business is not a cut-and-dry process, and it might change depending on how long you’ve been around and what you expect from your customers in the future. Take the time to really consider what will serve you and which method your clients will feel comfortable using.

Tips to Improve Your Accounting and Finance Systems

If you are running a business, there are few things as important as a well-oiled accounting system. Sure, you need to make sales and have great products and services, but you aren’t going to get far if your finances are not under control. Only when you know exactly what money is going out, and exactly what money is coming in, you can truly make the hard decisions that will help your business grow.

With this short article, we’d like to provide a few tips on how you can improve your accounting and finance systems. Obviously, the use of these tips will depend on the type of business you run, as well as the system you already have in place. So, read through this list and think about how each tip may be applicable to your operation.

Put a System in Place

Hopefully, you have already done this first one. The world of accounting is not a creative field – rather, it is one which is all about details and efficiency. You need to have a detailed system in place which has everything mapped out from top to bottom. For instance, if you are using fix and flip loans to invest in real estate, you need to have your books completely in order. The employees working in your finance department should not be trying to make things up as they go along – they should simply be executing on the system that you have in place.

Work in Batches

This is a great tip for many workers, even those outside of the accounting office. As it relates to accounting specifically, working in batches makes a lot of sense. For instance, when one bill comes into the office, it probably isn’t necessary to stop everything else in order to pay that bill. Instead, it should be filed appropriately and paid at a specific time with other bills. By working through all the bills in one batch, your team can be more efficient.

Look Outside for Help

Depending on the size of your business, it may make sense to outsource certain functions rather than hiring a full- or part-time employee to do the work. This is often the case when it comes to using a Certified Public Accountant. For small businesses, it probably isn’t necessary to hire a CPA as an employee but outsourcing to one for certain tasks is a nice solution.

Don’t let poor financial controls be the undoing of your otherwise promising business. Make sure your accounting department is functioning properly, so you can focus your time and effort on serving your customers with the best possible products and services.

Business Plans for Your Personal Injury Law Practice

One of the most common mistakes first-time entrepreneurs make is the assumption that subject-matter expertise is all you need to build a successful business. Yet, technical knowledge and business sense are two different skill sets. You can be a great lawyer but terrible at actually running a law practice.

That being said, you don’t have to be an Ivy League MBA to run a successful law practice.(Check this site:https://battafulkerson.com/practice-areas/car-accident-lawyer/). It’s all about mastering the basics of business management. There’s no better way to do that than developing and adhering to a well-thought-out business plan. The following are some of the key elements to think about when writing a personal injury law practice business plan.

1.    Outline the Problem, Opportunities and Your Abilities

If your goal is to set up a law practice, it may seem pretty obvious what problem your business seeks to solve. Nevertheless, write it down including the gaps in the market. Define the geographical area you intend to do business in, the typical profile of your client, and what skills you have to offer.

All these are the very foundation of your business. Essentially, this outline should be similar to what you would tell a friend over a casual conversation over dinner.

2.    Analyze the Target Market

It’s one thing to identify your target market but it’s entirely another to assess it in detail to determine the exact opportunities you can take advantage of. Gather as much data and statistics as is available. As a personal injury lawyer, you’ll certain be keen on the number of road and workplace accidents that take place in the area each year.

Find out what is the median income, average education level, the most common occupations, and the proportion of blue collar workers. Pay attention to the competition as well. How many personal injury law practices are there and who is the market leader?

3.    Outline Your Marketing Strategy

Your marketing strategy should start by engaging people in your social circle. That includes family, friends, neighbors and former work colleagues. This is important for two reasons. First, it requires little to no expenditure. Second, these are people who already know you and can therefore vouch for your credibility to third parties.

It’s best to reach out to your social circle via a phone call or physical meeting so you can explain your plans in detail. Social media and email should be a last resort since they are more harried and impersonal.

Once your social circle is out of the way in terms of marketing, map out your wider target audience and explore marketing techniques that will work best for that audience. That includes both offline and online marketing methods.

4.    Develop a Financial Plan

You have to spend money to make money. There are costs that come with setting up and running any kind of business. A personal injury practice isn’t an exception. The financial plan can determine whether you should go into business or would be better off working for someone else.

Start by documenting your personal expenses. At a minimum, the practice should cover your living costs. To avoid missing anything, develop a detailed inventory of your daily, weekly and monthly personal expenditure including leisure, emergency and mortgage costs. Use this to calculate the minimum profit the practice needs to make.

Next, examine your business expenses. These will largely be the costs of setting up and operating the office and will typically comprise furniture, equipment, systems, rent, salaries and utilities. Just like your personal expenses, calculate how many personal injury cases you’d need to handle per year to cover these costs.

A good business plan will lay the groundwork needed to build a thriving personal injury practice. As long as you carefully think through and execute on the above four elements of a good plan, you’ll be well on your way there. That being said, a business plan shouldn’t be cast in stone. As your knowledge grows and as the market itself evolves, your plans should be flexible enough to evolve too.

4 Ways You Can Save Some Money While Starting a New Business

Starting a new business can be an expensive endeavor, and unless you have plenty of investors or money in your own bank account, you might be looking for ways to save a little extra cash and to mitigate risk. It’s not always easy, but there are ways you can cut down on expenses when you are first starting a business and still give it the runway to be successful.

Here are 4 ways you can save some of your hard-earned cash and still open the business of your dreams.

1. Consider building social media pages

While any paid advertising you do on social media can cost more than you might like, building social media pages on your own and developing a community is free. It can take a considerable amount of time and research in order to know that you’re reaching the right people, but the rewards can be extremely beneficial to a brand-new business looking to find new cliental. You’ll want to determine which platform is likely to attract the most clients and which you feel will target the buyers you want looking into your product or service.

2. Consider networking

Networking isn’t just for those looking to get a promotion. Word-of-mouth is still the best way to spread awareness of a business and to encourage new clients to check out what you’re doing. When you’re looking at businesses for sale in Los Angeles, then you’ll want to make sure that there’s a community there who would be interested in what you have to offer. Networking can give you an idea of the best way to reach the right people, what they are looking for, and how you can brand your business in order to create interest.

3. Consider your site

As more and more marketing moves online, your website is going to be crucial to developing the audience you need. While you might have the initial investment of paying for a quality design, the rest is up to you. Establishing yourself as an authority in your industry can be rather easy when you already have a platform in place. Blogging is free, and it can go a long way toward creating customer trust. Take a deep look at where you can establish yourself as an expert on your site and offer to share your knowledge with other publications, as well.

4. Consider your Google accounts

While it might seem essential to run ads on Google, there are a number of different ways you can utilize the tools given to you without spending money. Analytics can tell you a lot about who is coming to your website and if you are on track with your demographics, or whether you need to change your branding strategy. You can also take a look at the various keywords that might serve you and bring the right kinds of buyers in without paying a dime. Just as in traditional advertising, you want to be positive you’re reaching the right people—and the good news is that you don’t have to pay money for this information.

A new business can be a big financial investment, but it doesn’t have to take up all of your resources. There are plenty of things you can do with little to no money that can help your new business get off the ground.

Ara Chackerian – His Vision For Wilderness Preservation

For people like Ara Chackerian, they grow up and find themselves very passionate about something in particular. For Ara, he has a great love and passion for the preserved future of the wilderness and forests. He believes they play a vital role in the future of our society. While the actual role of our forests are a little complex, the areas are important for resources, recreational roles and more.

While Ara Chackerian has been working in the world of forestry preservation, he has given enough tools and knowledge to his partners and clients for them to work alongside him in working towards saving our forests and wilderness areas.

It is to no surprise that our wilderness areas are very important to our planet and are needed for much of our resources. Because of this, it is extremely important to work hard preserving and protecting these areas. Protecting the curation of trees and ensuring that wildfire do not destroy our wildlife is to the benefit of everyone on the planet. Ara Chackerian believes that the ultimate key to the preservation of our forests and our wilderness areas is to pass down this belief to our future generations.

Mr. Chackerian is an expert in the field of forestry and is one of his biggest passions in life. He is good at knowing how to protect certain areas of wilderness and is quick to show how each forest or wilderness area is unique and will require different planning measures and managing of resources for its survival.

He is also an expert in other fields beyond forestry. Along with other experts he works with around the world, they are all working towards a goal of trying to find a way to extract specific resources and revenue streams from forests and other wilderness areas. They want to be able to do this while also caring for and preserving the area for many years to come. They want to use the resources without destroying the areas permanently.

Beyond Forestry Passion

Ara Chackerian is more than just a forestry expert. He is also an avid entrepreneur, philanthropist and angel investor. He manages a holdings company which uses funds to invest in the beginning stages of healthcare companies that share his commitment to reinventing the way the healthcare system works in the United States. He has worked for more than 20 years at building different healthcare companies. Along with his decades of experience, he has also co-founded a variety of companies such as PipelineRx, BMC Diagnostics and TMS Health Solutions.

His whole family has a deep feeling of commitment towards giving back to the community. In the last 10 years, his family has supported and founded many non-profit organizations which are focused on education and development opportunities for young kids. They have organizations located here in the United States, Nicaragua and Armenia.

Education

Ara has a Bachelor of Science in marketing. He earned his degree from the prestigeous Florida State University. He has also served as a senior leader for many programs in the healthcare field, such as a leading position at World Medical/PSS.

Which Landing Page Platform is Best for Enterprise Scale

These days, there’s no shortage of options when you need a landing page for your digital marketing campaign. Sites come at you from all angles, promising to make your landing page generation as easy as possible, and for the most part, these sites help. If you’re not a web designer, and you need to get value from your AdWords campaign, landing page creator programs can help you build and manage landing pages for your campaigns that are easier to manage than trying to organize them alone.

But which service is the best? Today, we discuss this by comparing three of the industry heavyweights: Rallymind v. Clickfunnels v. Instapage.

Instapage

We’ll start with Instapage first because it’s basically your standard landing page builder. Instapage is for clients who have experience with ad campaigns and landing pages and simply need a faster way to build them. If it’s your first campaign, Instapage might be a bit confusing for you, since it focuses on marketing software integration and the ability to add custom code more than simply generating and organizing landing pages.

The service boasts up to 200 templates and plenty of images and custom personalization to make your landing pages stand out.

ClickFunnels

On the other side of the spectrum, ClickFunnels is clearly marketing its service to business owners without much experience on the digital side of things; people without web design experience who may be frustrated that their ideas aren’t being conveyed in theirIt landing pages.

For this reason, ClickFunnels makes it very easy to set up landing pages for your campaigns, even if you have very little experience with digital tools. It boasts features such as simple drag and drop page organization and the choice of classifying landing pages as squeeze pages, reverse squeeze pages, and more.

RallyMind

RallyMind is a landing page service for businesses that run campaigns on a large scale. Let’s say you own a sporting goods store and you have a different AdWords campaign for every individual item in your store. That means that you’ll have to have a landing page for each item. But if your store has multiple locations, you might opt to build a landing page for every item and every location. Depending on the number of permutations with items x locations, this may be hundreds or even thousands of landing pages.

RallyMind gives marketers the ability to build landing pages according to a template and manage them via a simple Google Spreadsheet.

So Which One is the Best?

The answer isn’t as straightforward as simply crowning one landing page builder over the others, as different builders can be optimal for different uses. For example, if you’re not experienced in digital marketing campaigns and you want a simple way to build a landing page for your first few campaigns, ClickFunnel is probably going to work better for you. If you’re a little more experienced, InstaPage will give you the features that you’re probably looking for.

If you’re building landing pages on a large scale, RallyMind is the only page builder that supports hundreds, even thousands, of pages on one platform. While other services struggle to manage more than 10 or 20, RallyMind makes it extremely easy to manage any quantity of landing pages for countless campaigns in a single spreadsheet.

The 5 Best Software Solutions for Business Accounting

Small business owners typically wear many hats and adding accountant to that long list of responsibilities probably isn’t feasible. But as the Bureau of Labor and Statistics notes, nearly half of small business fail in the first four years, primarily due to financial reasons. It’s even worse among realtors, for example. If you’re thinking about a career in Boston real estate, statistics show 87% fail within the first five years.

No matter what industry your business is in, having a well-running accounting system (no matter if it is outsourced) is a must to increase the odds of success.

The good news is that are area multiple innovative accounting software solutions that have been designed to simplify the process of business accounting, so you can concentrate on building your business and other essential tasks.

FreshBooks

This business accounting software makes life simpler for the small business owner by automating tasks like tracking time, keeping expenses organized, following up with clients on unpaid invoices and the like. Living in the cloud, it can conveniently yet securely be accessed from multiple devices. It offers lots of flexibility that allows invoices to be customized to suit your particular brand and business requirements.

While there are several different packages, the Plus version is usually the best way to go, allowing you to bill up to 50 clients per month. Those with more than that should choose the Premium edition that allows for billing as many as 500 clients. A free trial is offered, including the chance to create your first invoice without paying a dime.

QuickBooks

Just about everyone is familiar with QuickBooks, one of the most popular accounting software options for small businesses. If you do have an accountant, it’s easy to share your books for seamless collaboration too. You’ll be able to capture photos of your receipts, keep them stored using the mobile app, connect with your bank account and create all sorts of reports so that you know just where your business stands at any given time.

Xero

Xero is very similar to QuickBooks, offering nearly all of the same functions as QuickBooks Online. It may be the ideal choice for those with a business that has just five or fewer employees as it’s one of the only software programs of its kind that includes full-cycle payroll processes for up to five employees with no additional cost. You’ll also be able to process payroll checks, submit payroll tax payments and file payroll tax forms. In addition to the free payroll option, you can even invite an unlimited number of users to access your data without paying any extra fees.

Wave

Wave stands out from the rest in that it’s totally free. This software aimed for small businesses will let you send invoices, track expenses, get paid and keep the books balanced. If you want more, you can choose the premium payment service that will allow you to accept credit cards on invoices and provide automatic recurring billing.

Zoho Books

This business accounting software isn’t free, but the basic level starts at only about $5 a month. An easy-to-use software program, it connects to your bank account for real-time updates on cash flow, monitors transactions and categorizes them instantly. You’ll easily understand where your money is going and coming in as it tracks, categorizes and bills clients from one convenient spot.

U.S. Money Reserve Wins 2nd Straight AdSphere Award in Two Categories

The AdSphere awards are an emerging advertising campaign award for the direct response television industry (DRTV). DRMetrix is the DRTV leading research company responsible for presenting the AdSphere awards. Divided among four classifications, the awards ceremony recognizes over 7,700 industry brands and advertisers, including network cable companies. Therefore, it’s humbling for U.S. Money Reserve to have won two “Best of” awards during the 2018 event.

As the company’s followers know, U.S. Money Reserve is one of the leading distributors of precious metals in the country. Coins, bars, and metal valuables are available to help customers achieve their financial goals. Founded by Phillip K. Diehl, a former U.S. mint director, U.S. Money Reserve has been in service in Austin, TX, since 2001.

U.S. Money Reserve has some of the most qualified experts in numismatics, inventory, customer relations, coin research, and order verification. With over 400,000 satisfied customers, the company takes pride in customers recommendations to their network. U.S. Money Reserve’s exemplary customer service, stellar products, customer feedback, knowledgeable staff, and fifteen-year existence separates it from competitors.

For the AdSphere awards, the four classifications, or categories, are lead generation, brand/direct, short-form products, and 28.5-minute infomercials. Furthermore, the sub-classifications differentiate by industry. Examples include (but are not limited to) finance, education, insurance, public service, transportation, travel, communications, appliances, home & garden, health & fitness, personal care, and online shopping.

U.S. Money Reserve won the Best of Short-Form Products and Best of Infomercials Awards. This is the second straight year the company has won in the financial categories for both short-form and infomercials.

The win doesn’t mean that U.S. Money Reserve is ready to relax. The awards encourage the company’s team to work harder at keeping customers happy while informing new customers about products.

U.S. Money Reserve has recently been announced as the exclusive distributor of the coin set marking the 65th anniversary of Queen Elizabeth II’s coronation from The Perth Mint. Only 203 complete three-coin sets are exclusively available for purchase in the U.S. through U.S. Money Reserve. Each set contains one 2oz. gold proof coin, one 1/4oz. good proof coin, and one 1oz. silver proof coin. Each coin is made from either 99.99 percent pure silver or 99.99 percent pure gold.

U.S. Money Reserve is built on trust. The company provides transparency about the purchasing process as well as the products it sells. Additionally, U.S. Money Reserve tailors recommendations to specific individual needs for each customer as they work with a personal Account Executive.

To learn more about U.S. Money Reserve, visit the company’s website.

A Complete Guide to Guarantor Loans

This is all you need to know about guarantor loans from the experts. Including what they are, how they work and how to apply for a Guarantor loan.

Back in the late 20th century, before the creation of digital credit scores and computers, loans were given to individuals by banks based solely on trust. Whilst a lot has changed since then, guarantor loans have made a comeback – with traditional lending put at the centre. Guarantor Loans can be ideal for people with bad, poor or no credit history. All you need is someone who can be your Guarantor. These type of loans give people a chance to apply for a loan without paying the ridiculously high interest rates of payday loans or some store cards and credit cards. A leading Guarantor Loan company – TFS Loans, offers guarantor loans for those with bad credit, the chance to borrow at a Representative APR of 39.9%.

There are significant differences between different loan types that you need to be aware of before taking one out.

This blog post will go through everything about Guarantor Loans. From what a guarantor loan is, to how to qualify for one. Our aim is to provide potential customers the essential information they need before making a decision. By better understanding a loan, you’ll be able to make the call on if it is right for you, or not. Welcome to your free guide to guarantor loans.

What is a Guarantor Loan?

We’ll be breaking down what guarantor loans are in this section. In short, guarantor loans are personal and unsecure loans. Personal loans are granted by banks and other lenders to be used for almost anything – as long as it’s legal. The term unsecure, regarding loans, means that you don’t have to put up collateral against the loan. Unlike mortgages, which are secure loans, where your house is the collateral for the loan – failing to make repayments on your mortgage can lead to your home being repossessed. This usually means that unsecure loans are for smaller amounts of money, usually between £1,000 and £15,000. This means that personal loans are used for weddings, car loans, debt consolidation etc. they’re ideal for smaller things that you need but can’t afford to pay in one go.

But how do guarantor loans differ from other kinds of personal loans? Well, they’re designed to disregard the applicant’s credit history – yes, you read that right. Your credit score has very little impact on your application for a guarantor loan. In fact, guarantor loans are really only ideal for those with bad credit. Guarantor loans have considerably lower representative APRs than other bad credit lenders. The loans that TFS offer, have a representative APR of 39.9% – but it’s dependent on how much you want to borrow, and how long you want to borrow it for. Rates vary from 29.9% to 69.9%. Using their loan calculator, you can see what your interest will be on the loan amount you want to borrow.

Is a Guarantor Loan Right for Me?

Everyone’s individual financial state is different. Different credit scores, different bills to pay, and different options available. As we’ve said before, guarantor loans may only suit those with bad credit. There are more lending options available to those with a good credit score, so you can afford to look around for a loan. Banks and other lenders judge their loan applicants based on their credit score. Then, they’ll offer you a loan at a rate that reflects your credit score. 39.9% APR Representative.

However, there are not a lot of options available to those with bad credit, especially for larger amounts. Payday loans are costly methods to borrow smaller amounts of money, but there is not a lot out there for mid to large amounts of money. The maximum amount that most payday loan companies pay out is around £1,000, not ideal for a wedding or car loan. However, with a guarantor loan, you can borrow larger amounts of money, even with bad credit. TFS Loans currently offers the largest Guarantor loans in the UK – up to £15,000.

Whilst guarantor loans are ideal for those with bad credit, if you take out a loan you cannot afford to repay, it can cause you serious money problems. At TFS Loans, we advise you seek independent financial advice before taking out a loan.

What can I use my loan for?

Guarantor loans are personal loans, meaning they can be used for almost anything – as long as it’s legal. Many of our customers use them for whatever purpose they see fit -including debt consolidation. Using your loan to consolidate any outstanding debt makes managing payments a lot easier. If you’re struggling with repayments on multiple loans or credit cards, a debt consolidation loan can help merge those costs into one manageable monthly payment. Making it easier to keep track of and stop your interest charges increasing on other loans.

Some find themselves using their loan for a car, to put towards a wedding or to use for a holiday. The loan is yours to use as you see fit. Self-employed business owners even use their loans to put towards new ventures or to finance them through a tough patch. A guarantor loan is yours to use, for whatever you need. Just make sure you’re in the right position to borrow money and more importantly, you can afford to pay it back.

Who can be a Guarantor for a Loan?

If you’re looking into taking out a guarantor loan, you’re probably wondering what the catch is? The clue is in the name… You’ll have to provide a guarantor with your loan application. For the lender, this guarantees the loan is going to be repaid. Your guarantor will sign to agree that should you be unable to meet a monthly repayment on your loan, your guarantor will cover it for you.

As for a guarantor’s criteria, TFS ask that they are:

  • Between the ages of 18-78 at the start and end of the loan
  • A UK Homeowner
  • Have good credit
  • In receipt of a regular income
  • Can afford to pay the loan back, if the Borrower cannot.

Your lender can be a friend or family member, a partner, your landlord or even a colleague. Borrowing money with a guarantor ensures a loan company will have their investment returned. It allows TFS Loans, and other bad credit lenders, to operate without relying on credit history or credit scores, making it easier for customers to borrow money. TFS has produced a useful page about how you can find a Guarantor that is worth taking a look at. They have also created a Guarantor hub for Guarantors, to answer all the questions that they may have, from what a Guarantor loan is, to what they will need to do as part of the application process

How does it work?

When you apply for a loan, with a guarantor to support your application, once approved, the funds will be transferred into your guarantor’s account. Sometimes within 24 hours of applying. If you have a guarantor who has agreed to help before you sign up for the loan, then your application will move along a lot faster. Once accepted and the loan is granted, you’ll pay back the loan in monthly instalments over a selected period of time. The TFS loan calculator allows you to choose the amount to borrow and over how long you want to borrow it. It couldn’t be easier to apply and be approved.

Pros and Cons

As with anything, there are positives and negatives to guarantor loans. Whilst the good outweighs the bad, it’s important to outline what both are, before you take out a loan. Whilst guarantor loans are great for those with bad credit, they can be costly. With a Representative APR of 39.9% for a TFS Loan, you will be paying back significantly more than you would for some other lending products. However, these options are for those with good credit. So, whilst costly – if you need a loan and have bad credit, then a guarantor loan is one of the fairest options available to you. Another issue that might arise from a guarantor loan is the potential of damaging relationships. If you do not meet repayments frequently and it falls on your guarantor to pay, they may become increasingly displeased with this. So, be aware that you, and you alone, must be responsible for repayments. Being a guarantor does not have to be a huge ask and most people would be happy to help you out – as long as you meet your repayments. Taking out a guarantor loan can improve your credit. By repaying your loan in full and on time every month, your credit score will slowly improve over the loan term, as long as you are also continuing to pay everything else.

 

Whilst borrowing money may not be ideal for everyone, if you have bad credit and are in need of a loan then guarantor loans could be the ideal option for you. To see how much you could borrow, at what cost, use the TFS loan calculator. For more information on guarantor loans, TFS has a comprehensive FAQs section that is worth a look.

Author: Robert Smoker joined TFS Loans as CEO in September 2014 having been with Brown Shipley & Co Ltd a prestigious UK Private Bank for over 36 years. Robert joined Brown Shipley in 1977 as a Management Trainee in their lending and trade finance division. He was appointed Head of Lending in 1990 and restructured their lending activity prior to a number of business acquisitions in 2001 as the Bank focused on providing wealth management and private banking services.

He was appointed as an executive director in 2002 with board responsibility for Compliance and Risk Management and latterly Audit in 2004. He was responsible for ensuring the Bank maintained an exemplary regulatory reputation following the transition to FSA in November 2001 and the introduction of the PRA in 2010 following the Banking crisis.

Robert remained at Board level until 2014 and following the acquisition of Brown Shipley by Qatari investors in 2012 was given responsibility for the investment management, banking, financial planning and pensions teams in the London office to help implement the group’s growth strategy.

Why Business Need to Automate Internet Marketing

Find out, that your business doesn’t move as quickly as you want? Or had a boring day spent with the laptop answering the letters and making orders? The biggest mistake of the businessmen is that they ignore automation, which makes your ordinary work much easier and save your time for new ideas about development and future plans. Here you will get an important knowledge about making your business easier.

Why do you really need to automate your marketing on the Internet?

Automation gives you a great chance to move business passively while you will work on more important things. For the first time, it is pleasant for you to communicate with customers and to give orders to them yourself, but in time you will be tired of this routine and will not have any time to grow up your business. Change your priorities to find new profits and to generate more sales. Automation can do a lot of everyday tasks without your touching:

  1. Sales your products and services 24/7.
  2. Quick responses to your customers, which grow your reliability.
  3. Increase of sales by answering your clients instantly.
  4. Provides great customer support.
  5. Immediately confirm or fulfill orders of electronic products, which gives you positive feedback from your customers.

The earlier you provide your business with automation, the more time you will have to concentrate on the future of case.

How to get started?

Firstly, automate your fulfilling and confirming services, which will make selling easier. There are a few types of autoresponders, which will ease your life:

  1. Confirming orders. Usually customers are nervous about shopping online, especially when it costs much money. Provide an automatic response to assure them that everything is alright and their order is in processing.
  2. Inform customers about shipping. A small e-mail about the movements of the order will protect you from lots of calls from your clients and save your time.
  3. Perform orders. If you have electronic services or software, you need to automate selling. When people order such products, they usually need them to use immediately. Autoresponders can provide them with link or password right after the payment to make your customers satisfied with the service.
  4. Follow-up e-mails. Have you ever received a thankful letter from the company you shopped? Wanted to continue shopping there? Satisfied clients means quick growing of your business, so do not forget about after-sales support.

Secondly, you need to provide excellent customer support. It will not be convenient for clients to wait for 1-2 days for your response and they will refuse from your services. Automation gives you opportunities to support your customers 24/7. It helps with:

    • Automated FAQ. Just create a new e-mail and invite your clients there. Then answer the most widespread questions, and the system will mechanically send responses to customers.
    • Provide people with information about your products. Write useful articles and send them to all your customers to remind them about yourself and provide them with new services.

Thirdly, you need to build a perfect advertising campaign. If you have a website, advertise your other products/services or provide customers with information about discounts on their favorite products with automatic letters. In case you provide your business in social nets, for instance in Instagram, you need different bots to make your products widespread. One of the bots provides you with several services at the same time:

  1. Auto follow bot. Automatic system will find out the necessary clients for your business and will follow them to advertise products.
  2. Auto like bot. Also a great opportunity to attract new customers.
  3. Auto Instagram Unfollow.
  4. Daily limits. They can organize the everyday activity of your page in the Instagram.
  5. Scheduled posting. Helps to post information when the coverage is the biggest.
  6. Multiple accounts.

Now, you know why automated marketing is so convenient and even small business needs it to be provided. Do not do what machines can do!

Starting A company – The actual 3 Elements for Achievement

When you start your own businesses, you become so much excited because you think you are bringing your dreams into reality. There are no proper instructions that will help you achieve in your business as every business has its own way to work and that different way is what helps in achieving what he desired.

Although there are not the certain set of rules yet there are different elements that will help you become a big achiever.

When you start understanding the aura of your business, you get to know what you should do but there are some basic things that you must know before starting a new business setup.

Desire:

The first thing that you should have in you is the desire. A desire to achieve, desire to be better than the rest of the people, desire to come up with great things. If you have it in you, you can achieve anything you want.

When people have the desire to achieve anything, they put their heart and soul in it. They serve day and night to get what they actually want. All it needs is a desire. When you do something just because you are getting pressurized for it, you never come up with creativity. This is why having the desire is really important. if the work you are doing makes you happy, it is worth it no matter what other people say about it. If something is not making you happy, you should quit it as soon as possible because there is no use of doing anything that doesn’t tempt you and takes out the best in you.

How to do what I want?

The second most important thing is you should know what exactly do you want. Scattered thoughts need to be brought up accordingly so you can generate a whole business plan for you. if you do not have a business plan, how will you execute your idea? How will you make it all happen that you wanted from years? 

Not only that you should know what you want to do but also you need to have skills for it as well. for instance, if you want to bake a cake, first of all, you need to know how to bake it. If you have no idea what it takes to bake a cake, how will you bake it? So, having skills for what you want to do is necessary as well. work on it!

Expenses

Cash is the main thing that you would be needing in order to start a business. Before starting your business, you must have a thorough look at how much money you have. If you think you will be able to bring your idea into reality with the money you already have, go for it or else raise the finds for it.

Raising funds these days is really easy. All you need is proper planning for that as well. without proper planning, there is nothing you can do in a proper way. If you keep on moving haphazardly without knowing about your first step, you will not be able to do what you exactly want. So, you better have enough cash and enough mind to spend the money without going out of the way. if you think you have fewer funds, you can go for a Free zone company formation. Business setup in Dubai free zones will act as a partner for you and you will ace it all. MAF Consulting Middle East help you for any other business setup.