Daycare Management is the Next Big Industry for Profit Growth

Reliable daycare options have become more important than ever for families around the world, especially given school closures, lockdowns, and other COVID-19 responses. Many of these policies have meant that parents have had to seek out daycare options or put their careers on hold to be with children while they learn remotely from home. 

However, that isn’t the only reason why daycare is such a fast-growing industry today. As more families have had both parents entering the workforce, finding quality daycare options has become increasingly important. In fact, the size of the total daycare market in the US is estimated to be worth approximately $54.9 billion. The size of the daycare industry to expected to grow about 2.2% in 2022, and some experts predict an even larger rate of growth thanks to government investment and social trends. 

Given the growth of the industry, forward-thinking daycare centers are exploring all sorts of tools and technologies that allow them to provide better care and stand out from the competition. Software solutions that allow daycare centers to process payments, keep children safe, and schedule daycare activities have emerged as powerful tools to enable what is often known as smartcare in the industry. The term refers to childcare that is empowered through technology and modernization. 

Considering the explosive potential of daycare management software, it’s no surprise that many investors are chomping at the bit to reap the rewards and future profits associated with the growth in the space. Let’s explore a few reasons why daycare management is the next big industry for profit growth in the industry. 

Payment Processing

One of the most promising features of daycare management software is its ability to process the payments of parents and customers on behalf of daycare facilities. That’s a big deal since billing is one of the most time-consuming parts of running a daycare center. Moreover, it’s important to protect parents’ security when processing payments, which is why daycare management software provides tools to process payments.

Daycare managers can set up recurring payments so that parents are charged at regular intervals and receive receipts for their transactions by email, automating the billing process and streamlining customer service efforts. These transactions can be automatically logged by the software and uploaded or synced with accounting software to make bookkeeping a synch. 

Different daycare management software will offer payment processing options such as Electronic Fund Transfer (ETF) and ACH transfers. Some daycare management software can be programmed to use third-party payment processors through their Application Programming Interface (API.) This represents an alternative for companies that want to use independent payment processors that could be more secure. 

Most daycare management software will also feature a visual dashboard or interface that administrators can use to keep track of all relevant billing information. This allows owners to keep their financial information organized and easily accessible online. 

Affordable Costs for Daycare Centers

Most daycare management software is quite affordable and many even offer a freemium model in which users only pay for certain upgraded features. Other software solutions bill based on the number of customers that are serviced through the software. 

The majority of daycare management software simply charges a flat, monthly fee to daycare providers that can easily fit within their quarterly budgets. This is a relief for many parents who are coping with the high costs of raising a child.

More premium daycare management options such as Procare don’t list their pricing information and instead require users to submit a price request form on their website. However, to give you some context, Procare users can expect a tiered pricing plan that ranges from $69 per month on the low end to $109 per month on the higher end. 

Yet other daycare management software offers price breakdowns by child, with Kindertales, for example, charging $2 per child per month for their standard plan and $4 per child per month for their premium plan. 

More sophisticated systems such as Procare also offer hardware solutions that allow for the daycare center to accept payments through a physical POS system. The affordability of daycare management systems could allow many centers to cut their costs and offer lower prices to parents, which is a pressing need in many states

Regardless of the budget and goals of each daycare provider, they will be able to find a daycare management system that fits within their budget, which is why these powerful software solutions have such a potential for growth and profit. 

Enhancing Child Safety

Another important contribution that daycare management systems are making is to keep children safe, supported, and motivated. Many solutions offer the ability to schedule activities or curriculum for children, and some even have child monitoring capacities. 

Software solutions like Brightwheel are well-known for providing detailed monitoring tools such as video recordings and photos of children that can be sent to parents upon request. Food tracking procedures can also be configured to give parents and care centers greater control over childrens’ diets and make sure they are eating healthy. 

Activity reports that detail childrens’ activities in real-time can be generated for parents, as can daily reports that cover all of the things the child did that day. This provides parents a greater sense of control and security when it comes to their children’s daily life. 

Facilitating Developmental Goals and Daycare Administration

Many daycare management systems offer distance learning options that give parents lesson plans which allow them to continue helping their children learn after they get home from daycare. These features can ensure continuity in children’s learning and developmental goals and provide the resources they need to complete homework assignments. It is no surprise, therefore, that some of the best daycare centers are making use of this innovative software. 

Daycare management software can even collect data on children’s developmental or learning progress which can be used internally to refine daycare policies, and sent to parents. 

Daycare centers can also use software to accomplish day-to-day management tasks. This includes running payroll to make sure that the staff is paid securely and on time. The software can be configured to allow only certain staff members access to specific software features, which ensures security. 

Daycare management systems can even help with the difficult task of hiring enough workers to run a daycare. Staff can also log their hours into the software which makes it easy to organize how much work has been completed by each staff member each week. 

Daycare management software can even play a role in facilitating increased sales and onboarding for daycare centers. Parents can enroll their children electronically through the software, as well as submit any required paperwork or documentation. This documentation can be stored internally for easy access at a later point.  

Sandra Chiu works as Director at LadyBug & Friends Daycare and Preschool.

What Are the Benefits of Hiring an Employment Lawyer

As an employer, it’s your responsibility to keep all of your employees safe and happy in the workplace. Hiring an employment lawyer can make your job much easier by reducing the time you need to spend on the legal side of running a business.

Unfortunately, there are many things that can go wrong when you are an employer. Whether it is an employee getting injured while at work or a client filing a claim against you, you may find yourself in an unfavorable position.

It’s not just employers that can benefit from hiring an employment attorney. Employees may also find themselves in a situation where legal action is required.

For example, if you have experienced sexual harassment at work and you want to file a claim against another employee for their behavior, your lawyer can help with this.

So, whether you’re an employer or an employee, it can be extremely beneficial to hire somebody who knows employment law in great detail. They can help in resolving any problems or concerns that you have in the workplace.

Here are some of the benefits of hiring an employment lawyer.

Understanding the Fine Print

Legal contracts are often long and unenjoyable to read. You might be tempted to skip a lot of the small print but this can lead you to miss important information about your employment contract.

A professional employment attorney will be trained to read legal documents in great detail and identify any potential loopholes or errors. Getting them to read through your papers before signing anything will prevent you from ending up in an unfair contract.

On the other hand, employers may wish to hire an employment attorney to read through their contracts and ensure that they are providing a safe and fair deal for their employees.

Guidance Through Unfairly Dismissed

If you have recently been fired and you cannot identify a valid reason for this dismissal, you can hire an employment lawyer to file an unfair dissmisal claim against your employer.

Often, employers will try to persuade their employees to drop their claims. This can add extra worry to an already stressful situation. Your attorney will liaise with your previous employer so that you don’t have to.

They will be able to negotiate a compensation deal with your employer to cover the financial losses caused by your dismissal. This process may require court hearings and your lawyer can fight your case on your behalf to maximize your chances of a successful claim.

Helping You Comply With the Law

The law can be complicated when you are an employer or an employee. There is a huge number of different legislations and employment labor laws, all of which are forever changing.

If you are worried about whether you are complying with all of the latest regulations, hiring an employment lawyer will reduce your worries. They will know all of the up-to-date employee legislation in detail so you can rest assured knowing that you aren’t breaking the law.

Mark Cuban is Betting on this Cryptocurrency

Once the exclusive domain of nerds and technologists, cryptocurrency has now found a mainstream audience and user base. Fears of inflation, ongoing quantitative easing, and aggressive stimulus spending have spurred investors’ interest in alternative stores of value such as Bitcoin. 

Being the world’s leading cryptocurrency, Bitcoin offered a plethora of novel financial technologies to the market. It pioneered blockchain infrastructure, a system of digital checks and balances that allow for secure and verifiable peer-to-peer transactions. Transactions on the blockchain are verified through a proof of work protocol that leverages a group of miners who use a distributed set of computational systems that certify transactions by solving cryptographic problems.

The significance of these innovations lies in the fact that they enable a set of digital financial services without the need for a centralized authority such as a bank or government. It allows users to securely transfer Bitcoin to others without a bank to certify and settle the transaction. Instead, these transactions and Bitcoin users’ account balances are logged in a public ledger that is created and validated through the proof of work protocol.

These innovations have earned the attention of technologists and high-profile investors such as Mark Cuban. Even institutional investors have taken an interest in Bitcoin as a hedge against inflation and long-term store of value. 

Cuban has also taken an interest in a variety of alternative cryptocurrencies, often referred to as altcoins. He has controversially been supportive of Dogecoin, a meme-based cryptocurrency that features the playful image of a Shiba Inu dog. Although Dogecoin was originally created as a satirical cryptocurrency, it has since achieved viral popularity and renewed interest.

High-profile business people including Mark Cuban and Elon Musk have been optimistic about Dogecoin’s prospects because it is a common introductory cryptocurrency for individuals that are new to crypto. Its viral, accessible nature makes it a great introduction to cryptocurrencies for the uninitiated.

Mark Cuban has been supportive of Non-Fungible Tokens (NFTs) and a variety of other cryptocurrency technologies. There is one cryptocurrency in particular that Cuban has shown a great deal of interest in for its unique features and applications. That cryptocurrency is called Ethereum. 

Now is probably the part where you’re wondering should I buy Bitcoin cash? The answer is yes according to Crypto Dispensers, depending on your purposes. While Bitcoin uses technology to enable secure transactions without a centralized authority such as a bank, it does not offer users the ability to create and execute contracts. This could be a drawback for people that are transferring large amounts of money as part of a business arrangement and want that agreement to be in writing. In many cases, there are conditions that must be met by both parties before a transaction takes place, and in the case of Bitcoin, a bank would still be necessary to secure this in a contract.

That’s where Ethereum comes in. Ethereum utilizes some of the core innovations of Bitcoin, including the blockchain and proof of work protocol, to offer a technological way to ensure contracts. Often referred to as smart contracts, Ethereum offers a system of checks and balances that enforce contracts between different parties. 

Much like Bitcoin, Ethereum features a public ledger that records all transactions, and this ledger is distributed across the network, meaning that many users store a copy of it so that it can’t be manipulated. Moreover, new digital wallets and crypto exchange platforms such as Coinbase have made it easier than ever to buy Ether. A number of Coinbase alternatives and Bitcoin ATMs have also emerged that simplify the process even further.

Mark Cuban is bullish on the future of Ethereum because it can be used to create smart contracts that facilitate commerce between individuals and businesses. Moreover, these smart contracts need not be affiliated with a centralized authority such as a bank or government in order to be secure and enforceable. 

Investors like Cuban believe that the technology behind Ethereum will fuel the creation of an entire ecosystem of decentralized finance, or defi, products. Indeed, the defi industry is one of the fastest-growing in the world, and defi enthusiasts believe that decentralizing finance will empower consumers, reduce transaction costs, and limit centralized power structures. 

The technology behind Ethereum also gives rise to the possibility of creating Decentralized Autonomous Organizations (DAOs) which has created a great deal of excitement among Ethereum experts. The idea of a DAO is that an entire organization or corporation could be formed and exist in a completely automated way through the use of a large set of smart contracts.

Modern-day corporations and organizations exist through a series of agreements or contracts between individuals and businesses. 

Employees have contracts with employers. Investors have contracts with businesses they invest in. Even businesses themselves have contacts with other businesses that they are partnering with, acquiring, or merging with. 

This complex set of agreements and contracts can produce a great deal of friction within organizations and are often costly to create and enforce. Parties that breach these agreements must be held accountable which can be an expensive endeavor, often involving attorneys and legal costs.

Ethereum could in theory automate the creation and enforcement of these agreements through the use of smart contracts. These contracts can be certified and secured through technology, and the consequences of breaking them could be ensured programmatically. 

In other words, specific clauses can be written into a smart contract that defines what will happen if the contract is breached by either party. The software can then be written to detect if a contract is breached and then automatically executes code that carries out the breach of contract clause. In this sense, the contract is secured by a series of programs rather than a third party such as the government or the court system. 

Moreover, once smart contract software is created, it can later be modified or reused in future contracts by other parties. This greatly reduces the administrative and bureaucratic costs of running a business and adjudicating legal disputes.

Considering its substantial upsides, it’s no wonder that Mark Cuban and other celebrity investors see the promise in Ethereum. Indeed, for those that believe in the future of smart contracts and decentralized finance, it represents a fascinating and promising investment.

How Did Evolution Gaming Double its Revenue in 2021?

To say that Evolution Gaming has been riding the crest of a wave is an understatement. Year-on-year increases in growth are one thing, but for a company to double its revenue in 12 months is something else – but that’s exactly what the live dealer casino developer did in the first half of 2021.

To put it into perspective, for the six months through to 30 June, the business recorded revenues of £425.9 million, up by 102.3% from £207.2 million in the same period in 2020. As impressive as these figures are, what’s more impressive are the strategies Evolution implemented to boost its market share.

Strong Global Demand for Live Dealer Games

At the heart of its success is live dealer games. Evolution Gaming is famous for producing the best and most authentic titles in the world, mainly because it focuses on this vertical rather than concentrating on other online casino games. The result is that EG is the leader regarding live casino offerings.

Recently, the demand for these games has increased by a considerable amount, which is something the company itself points out. For example, Evolution’s live gaming division has seen an improvement of over 50% concerning its revenues from 2020. Other areas, such as its newly integrated RNG, have secured growth too, but not by as much.

Adding Lucrative Assets to its Portfolio

Something that can’t be understated is how Evolution has added assets to its portfolio. And these aren’t just small- to mid-sized companies that they snapped up for a couple of million dollars. They are major rivals that produce some of the top games and software in the world, such as NetEnt.

If you haven’t heard of NetEnt, you’ve probably heard of Starburst, the online slot that is the best-selling and most played on the market. Of course, after taking a controlling share of the business in December 2020, the profits from Starburst are included in Evolution’s entire profits. Big Time Gaming, an Australian company, is another security that is now firmly part of the Evolution Gaming fold. With a considerably larger library of games and services, it’s not shocking that Evolution is expanding at a rate of knots.

Expanding into Emerging Markets

What’s an excellent way to boost your revenues if you’re a business? Expand into an emerging market and provide a service that plugs a hole. Evolution has done just that by confirming agreements made with legislators in both America and Canada. Canada, for example, has always been friendly with Evolution, and now Ontario has joined Quebec, British Columbia and Alberta as states that provide live dealer games.

Farther south across the border, there are more markets for American punters. While Evolution Gaming supplies most of them, it has announced Michigan has been added to its lists of partners. Combined with powerful European markets, like the UK and the Netherlands, Evolution is diverging its presence and becoming a worldwide brand. This is evidenced by the fact that Asia is the second most profitable region for the company, more so than North America.

The simple fact is that Evolution Gaming doubled its revenues in 2021 by continuing to supply high-quality live dealer games to ease demand, adding assets to its portfolio, and expanding into emerging markets such as Asia and North America.

6 Big Reasons Why Applying for Online Loans is the Best Option for a Quick Cash

An online loan is one of the best fund sources that anyone can use for various purposes. With the different options available out there, many people have a lot to choose from based on their current financial needs. So if you’re also looking for a way to get quick cash for any reason, you can make the online loan be at the top of your list with these 5 big reasons below.

Convenient Source of Quick Funds

The convenience factor of getting an online loan is on the top of your list of advantages. Due to technological advancements, everything that can be done online. Loan applications have become so easy to process using the internet.

It’s not just applicable for young people who also need loans, but it is made available for everyone of all ages who need instant cash for various purposes.

Moreover, many lending companies have also ventured into using technology to do business using an online platform, targeting those individuals who are in need to borrow funds and are comfortable making any online transactions.

Because of that, applying for online loans can be done on the device you’re using, like a smartphone, tablet, or laptop. Then, using a safe web browser, you only have to access the website of a particular lending company and provide all of the requirements online. That’s how easy and convenient it is to process and apply for any online loan today.

Easy to Compare Various Online Loan Offers

Since a lot of lending companies have ventured into using online platforms to do business, borrowers also have tons of options of quick fund sources. You only have to search on the internet and look for different websites that offer online loans.

Then, with all of the information you’ve gathered, you can go ahead and compare those offers and choose the best one that suits your needs and preferences. You can even check credible sites that offer secure online loans to see the best deal of an online loan that you’ve been looking for. 

Minimal Requirements

If you’ve tried to apply for a loan from the banks and other financial institutions or lending companies, you may now know that there are tons of requirements you need to provide before your application gets approved. With that, applying for an online loan will be the complete opposite. You only have to provide minimum requirements and submit a few documents upon application. That’s it! Then, you have to wait for a couple of days or weeks for your loan approval.

Web-Based Loan Application Process

Besides the benefit of having minimal requirements in an online loan, you also don’t have to go to a physical office of a lending company to proceed with your application. As mentioned earlier, everything is done online.

You can even make use of the smartphone you always bring with you wherever you go. As long as there’s stable internet, you can start your online loan application with your set of requirements and documents.

Easy Loan Application Process

Another advantage of applying for an online loan is it has a quick and easy application process. Aside from the fact that you don’t need to go to a physical office of a particular lending company and everything is also done online, the steps you need to take from application until the approval stage is fast and easy.

After filling out the online forms and sending the necessary documents, you’ll wait for them to review your application. Then, once approved, the loan amount and the repayment method will be discussed with you in detail. After that, you’ll get the borrowed funds right away.

Available for People with Low Credit Score

Most lending companies will require their borrowers to run a credit check before their applications get approved. However, most of them offer a maximum loan amount for huge cash and with higher interest rates than others.

But the online loan is quite different. With the maximum loan amount it provides, most of these online lenders offer a loan to those people who have a low credit score. That’s another benefit of applying for an online loan that you can take advantage of.

Takeaway

Applying for a loan is one of the best options to get quick funds that you can use for various practical reasons. It could be for emergency purposes, unexpected bills and fees, and even a way to help you out in any situation of financial struggles. So during those difficult times, online loans can be an immense help for everyone.

Why is casino tourism so popular?

Casinos have stolen the spotlight in the domain of entertainment for quite some time now. Also, it has now become the most important factor of tourism and one of the most attractive factors for tourists around the globe. 

Some casinos have turned online, for example, online casinos in Sweden, hence they do not contribute much to the factor of tourism. However, land-based classic casinos play a vital role in inviting tourists. 

You can determine the importance of the casino bonus 2021 industry in tourism by looking at some of the most visited countries in the world, for example, the USA, Australia and Macau. Countries have been developing big, attractive land-based casinos in order to boost their tourist economy. Casino tourism draws a large number of people from across the globe and plays a huge part in concentrating them in one region where they play games and contribute to the economy of that country. 

 And this way works out pretty well. However, boosted tourism isn’t just good for the economy. It also brings in more possible and interested investors and chances of worldwide recognition increases rapidly. 

Do Casinos attract tourists?

Environmental ambience, beautiful sights and historical monuments surely attract huge tourists but with casinos and a great gambling experience, the number of tourists multiplies exponentially.

For example, Las Vegas is the place to visit if you want to make the most of your gambling experience. And it has been reported that Las Vegas alone was responsible for attracting almost 40 million tourists in the year 2016. 

Not only big economies in the world, but much smaller countries like the Philippines, Cambodia, Monaco and Singapore have also benefited drastically by generating huge revenues after building up the casino sector to draw in more tourists. The massive growth of casinos in smaller countries has given us evidence that casino tourism plays a very important role in generating revenue. 

Why do Tourists visit a casino?

Casinos impact tourism positively. Casino culture packed with excitement, fun, gambling, music, entertainment and top-notch services is the factor that attracts a large number of tourists to casinos every year. Casinos deliver top-class hospitality and catering services in addition to the already state of the art gambling facilities.

 Some casinos are a part of large resort chains and restaurants. Many customers opt for these to have a mini-vacation where they can rejuvenate themselves and blow off steam at the casinos. This is how the hospitality industry makes its most out of casino tourism. We can also usually see partnerships between several big casinos and restaurants or hotels or resorts. 

Furthermore, you can also see an increased revenue generation in local tourist attractions near the casinos. Casino tourism encourages global diversity and enables people to mingle with different crowds. Foreigners tend to try multiple local cuisines which adds to their daily income and it’s a win-win situation for everyone. 

Selecting the correct location before building a land-based casino is of utmost importance. You should pick out the most popular location and with the help of tremendous marketing and advertising one can successfully run its gambling venture. In this way, casinos can directly impact the domain of tourism and that too pretty much effectively and efficiently. 

Furthermore, casinos provide high technology and the latest online slots games for their users. Slot machines are the best attractions and poker games can be fun to play with. In short, casino tourism has become a very significant factor and the most crucial characteristic in boosting a country’s revenue and has been increasing its popularity by every passing day. 

Sweden is also known for tourism and land-based casinos. Planning an unforgettable casino trip to Sweden can be a good decision to take a break from all of your stress As the gambling industry is entirely legal in Sweden for everyone aged above 18 years. Furthermore, Sweden offers a top-class line of casinos that offer great games and slot machines in addition to tournaments to their guests

Conclusion

In conclusion, casino and casino tourism somewhat actually do go hand in hand. Casinos attract tourists who in turn make the most of their gambling experience and benefit the country’s economy respectively.

What to Know About Undergraduate Student Loans

As a student, education is one of the core areas in your life that requires focus. However, at times it can be hard to concentrate on your studies especially if you have to worry about other factors such as school fees, rent, and so on.

This is where the student loans come in. They allow you to smoothly continue with your education by catering to the expenses at hand. There are various types of financial aids that are available for learners.

This article talks about the ones for undergraduates, either federal undergraduate student loans or private. It highlights the important factors that you should consider before acquiring the loan.

What is it?

As indicated by the name, this is a financial aid that is available specifically for undergraduate students. Lots of students experience financial strains when they are about to join college.

This is because the cost of such an undertaking is much higher than that of their previous level of education and so it becomes hard to cope. Some end up despairing and abandoning their dreams.

In such instances, student loans come in handy to help the learners continue with their education by cushioning them against the high cost.

Still, there are things that one should consider to be able to make the right decision concerning the loans that they settle for. Here are some of the vital aspects.

  • Government vs Private

These are the 2 main entities that provide this kind of financial aid. Most people prefer the ones from the government due to the policies. The regulations are uniform and subject to the law.

They are also lenient considering the income-oriented settlement plan and the fact that your credit history is not taken into account. It also gives you an option to choose the subsidized loans which are cheaper.

The ones issued by private companies tend to be privately controlled and so some of the policies might not be favorable to the student. On the other hand, they can be more flexible since they don’t rely on the uniform regulations such as the federal ones.

This can work to your advantage if their policies are favorable. See this link to read more https://www.realsimple.com/work-life/money/money-planning/how-student-loans-work.

  • Interest

Most people fail to consider the interest rates when they are taking the loans. They later on find it very hard to pay the debts due to the large sum accrued. There are two different kinds of interest rates that these finances are subjected to.

The first one varies and can be affected by several different factors. This can be costly if the dynamics become unfavorable. The second one is fixed hence is not affected by fluctuating factors.

Some people prefer this because it makes it easy to calculate the amount that you will have to pay. Still, it can also be expensive if the fixed rate is high. You should inquire more about how the interest is calculated so as to avoid surprises.

It is also worth noting that private companies might use different factors from those used by federal government, for example, credit history.

  • Period

It is important that you be aware of the set time frame so that you can choose the appropriate plan for you that you will be able to service comfortably.

For the federal loans there is usually a grace period that lasts for 6 months upon finishing school after which you will be expected to start servicing the credit.

The time might be shorter or longer for private loans depending on the company that you deal with.

  • Installments

You should calculate the monthly installment based on the salary that you expect to earn. You can do a comprehensive research online and use the appropriate tools to be able to make a good calculation. This information will help you borrow the right amount that you can repay without straining.

What are the advantages and disadvantages of student loans?

The main advantage is that they are made to exactly suit student needs. For example, you get to go through your education program and finish without worrying about paying back the debt while still studying.

Also, the repayment process is customizable and so you can use this to your advantage to make the payments according to your employment status and current financial condition.

The downside is that the debt can be very expensive to pay if you make the wrong decisions or things don’t go as you expected. Click here to read more insights.

Conclusion

Undergraduate student loans are of great essence in ensuring that learners continue with their education and pursue their dreams even when experiencing financial setbacks. It can cover expenses like school fees, food, accommodation, and transport expenses. You should take your time to decide which one between federal and private will serve you well. Also, consider the interest rate so that you don’t get overwhelmed when it is time to pay the debt. Seek advice from professionals to help you make the best decision.

The Basics of Decentralized Finance (DeFi): How to Get Started

Decentralized finance (DeFI) is a sector driven by blockchain technology and focused on offering financial services in a different way from how we know it today. It consists of multiple financial services designed to make it easy for everyone, including those outside the conventional banking ecosystem, to access and enjoy the finance services.

Today, DeFi has become the ultimate field of innovation with new services getting added every week. As more people, businesses and governments take advantage of blockchain technology to enhance their operations, you too can also use this latest technology, but where do you start? Here is all that you need to know to get started with DeFi.

What is DeFi?

DeFi is a collective term referring to a system that completes financial transactions without using a centralized authority, such as a bank or credit card company. Instead, DeFi uses neutral third parties spread in the respective blockchain networks to confirm transactions instantly/ near-instantly and at a very small cost. They also use smart contracts, which are self-executing, implying that they are implemented directly without involving third parties.

In 2020 and 2021, the use of DeFi has intensified so much. Assets attached to different DeFi contracts, also referred to as total locked value, shot from approximately $697 million at the start of 2020 to over $85 billion by August 2021. The uptrend is expected to continue, and you should also be part of it.

How to Use DeFi Protocol

Today, most DeFi protocols are established on top of the leading blockchain networks, especially Ethereum and are supported by smart contracts. Therefore, you need to identify an appropriate network and pick the right wallet to store the main crypto coins.

To make the process of accessing and managing your portfolio easier, consider the platform that also comes with a mobile app. This means that it will be easy to check balance, follow on upcoming products, and get the latest updates.

Once you have selected the preferred DeFi platform, such as MantraDao, go ahead and buy the crypto coins supported by the platform. For example, if you want to stake or take a loan using the selected DeFi platform, a good coin to consider is ETH.

Take Advantage of Different DeFi Services

There are numerous products and services that you can get on a DeFi platform. The lovely thing about DeFi is that there are no trusted parties because they are run by decentralized autonomous organizations (DAO) and nodes in the respective blockchain. Here are the main services that you need to take advantage of:

  • Crypto Lending: If you have some crypto coins, you can use a DeFi platform to get a loan. The coins act as collateral and will be returned to your wallet when you pay the loan.
  • Staking: Once you acquire some crypto coins, especially those that are based on a network that uses proof of stake (PoS), you can use DeFi to stake them. This means that you commit the coins so that they are used to help secure the respective crypto network and confirm transactions. In return, you get some reward from the transaction charges paid by the platform users.
  • Buying cryptocurrencies: Another awesome method of using a DeFi platform is for buying cryptocurrencies. If the coins you buy increase in value over time, it will be a huge gain for you. So, keep an eye on the coins to note when the price is at its peak and sell to get maximum return investment.

If you are new to the crypto world and blockchain technology, know that you are on the right track because the future is crypto. To take advantage of this high-potential sector, make sure to identify and use a good DeFi platform. Remember to always take care, especially with the crypto coins to avoid falling into the hands of scammers.

Basics for Setting up Your Dream Company in China

Want to expand your business empire in china? Of course, China has a considerable strategic location in Asia that offers many substantial advantages to its investors. Here is more on Basics for setting up your dream company in china:

For setting up a business company in China, you need to select an agency, sort its specification, get registration done, open a bank account and at last, handle the tax bureau. Moreover, one needs to be proper knowledge of china’s business culture, understanding china’s laws and regulations for running a business, permits, and so on.

Down below, we have more on the topic that might interest you!

Why China?        

China has a billion-dollar industry. China serves as a core for all the trade and businesses in Asia. They have a flourishing economy and rampant growth. So the chances of your business expansion are limitless with the unmatchable opportunities that china awaits for you.

The next thing bothering you is, “how can I set up my business in China”? Well, that’s no problem. We have got you covered!

Guide For Your Dream Business In China:

 

Agencies Are For You:

New to china and want to build a solid foundation for your business? Well, in no time, agencies will help your business to stand. They are pretty helpful if you are a foreigner.

Just because they know what it takes, they will prove to be a charm for your business. The expertise, knowledge, ground realities, business politics are all well known to them. And this will aid your empire.

The Specification:

Now you should set a name for your business, specify its type, its scale, its location, its shareholders, what type of business it is, its aims, and what it aspires. All of these things are to be sort out. The Chinese government is very keen on its rules and regulations regarding that matter.

Let’s Get Enrolled:

Now is the time to get your business registered and have a license for it. For this, it is essential to submit the business form to the concerned authorities.

The documents required are the business license and the approval certificate from the State Administration of Industry and Commerce (SAIC). Along with that, the Ministry of Commerce (MOFCOM), registering with the Public Security Bureau (PSB), and issuing company stamps from registered IAC are also required.

Open Your First Corporate Bank Account:

You need to open your first corporate bank account to a Chinese bank. Opening an account will ensure that all the operations are running skillfully, nicely, and orderly in china. This account will aid you in paying wages, doing transactions with other parties, depositing profit, and so on.

Tax:

No freedom from taxes! Now you have to enroll your company as a VAT taxpayer in the tax bureau. Depending upon the nature of your business, you can be a small-scale or large-scale taxpayer. It requires your company to have Fapio. It does business with locals much more effortlessly and smoothly.

Do you want to learn more about setting a company in China?

Blockchain Banking Disrupting the Traditional Financial Sector

When blockchain technology was introduced in 2009, few regarded it as a threat because little was known about it, but it has now evolved into the next big thing in most sectors. The banking sector has not been spared, with some experts, such as CEO of JPMorgan Chase, Jamie Dimon, saying “it is worse than tulip bulbs.” There is a lot of scepticism as more stakeholders wonder whether blockchain will revolutionize the elements of the banking system. Here are the common fears for the banking system from the fast proliferating blockchain.

The Role of Decentralized Finance in Banking 

Blockchain provides a method for untrusted parties to agree on the state of a ledger, call it a database that processes transactions without having to use an intermediary. This implies that by providing services, such as payments, it is now possible to operate without a bank. That is the emerging reality for most banks and is worrying them because there is a danger of getting run over.

Another blockchain service that could change things for the banking sector is the application of smart contracts.

These are self-executing contacts that can automate the manual procedures, from compliance to the distribution of content. Because they are self-executing, the process is cheaper, faster, requires no lawyers and there is no way for one party to short-charge the other. The time lapses, the contract executes!

A Deeper Look at Areas Where Blockchain Could Disrupt the Banking Industry

The core reason blockchain is gaining traction is that the banking system has been very rigid and expensive. Therefore, people have been suffering silently and anxiously waiting for a new solution. So, the truth is that the solution they have been looking for might be the blockchain. Here is how it is disrupting the highly conservative banking industry.

  • Payments 

Today, people make transactions worth trillions of dollars using traditional payments, which are quite slow, expensive, and unsatisfactory. A person working in California who wants to send some money home in the UK might be charged a flat rate of $25 using wire transfer plus additional fees. To make the case even worse, the money might take days to reach the destination. Now, blockchain is here to crumble everything, allowing you to make transactions cheaply and at lightning speed.

The only thing that you need is to have the sender and recipient on the same network. This implies that the transaction is completed instantly, whether it is for an emergency or purchases on the market. Even the blockchain networks that take longer, such as Bitcoin, will only require a couple of minutes to get the transaction completed. Now, blockchain wallets are being used to make even micropayments or transactions of less than one dollar.

Well, we have just started drifting from the banks, and the shift is expected to keep moving even further.

  • Fundraising 

Raising money, whether for personal reasons or investment, has been a reserve of a few entities, such as banks through loans and capital markets through the sale of shares. To secure a loan for your enterprise from a bank is a very complex process, which requires a lot of things, such as background checks, credit scores, and use of collateral. It also takes a long period and the loans come with a lot of charges.

Blockchain is about to change the concept of fundraising completely. Today, you can raise a lot of money through initial coin offerings (ICOs), which give access to a larger pool of investors. Some companies that successfully raised money using ICOs are Bancor ($153 million) and Status ($90 million). Now, you can also use Decentralized finance loans to borrow money against your coins.

These are only a few of the areas where blockchain has started causing disruptions for various sectors, especially the banking industry. Other services that blockchain is offering in a more convenient and cheaper way include securities, clearance systems, and credit. Simply put – you can now get the banking services on the blockchain faster and more cheaply. To learn more about blockchain and how to implement it in your system for higher efficiency and success, call Hi Dollar for assistance.

The Real Costs of Buying a Timeshare Vacation

​​A timeshare is a type of vacation ownership that usually includes the right to use, but not own, the property. Timeshares are sold in two types: points and fractional shares. A point is defined by the developer as a unit of time, such as one day or week, while fractional shares represent an undivided interest in a number of points.

There are many hidden costs when buying a timeshare vacation home. The upfront cost may seem low when you purchase it, but when you start considering maintenance fees and annual dues it can be much higher than you anticipated.

Evaluating Hidden Costs of Buying a Timeshare

There are hidden costs of buying a timeshare that you may not know about. These costs are usually more subtle, but they may include things like maintenance fees, taxes, and even legal fees. You should also know the risks of buying a timeshare. You can be sued for buying a timeshare if you don’t read all the paperwork or if you sign without reading it carefully.

You can also buy something that doesn’t allow you to use it at any time that you want to. Some people don’t know how much it costs to buy a timeshare either. The price of the initial purchase depends on which company is selling it and their business model. For instance, if it’s an annual membership with a one-time renewal option, then the price. If you are looking to get out of a timeshare commitment, seek professional help from timeshare exit companies.

Different Types of Timeshares

There are two different types of timeshares. One is property ownership and the other one is property rental. Property ownership happens when you buy a timeshare for sale, this means that you own the rights to use that suite for any time during the year. Property rentals happen when you rent a suite for a shorter period, usually by paying an upfront fee and then paying weekly or monthly during your stay.

Benefits of Buying a Timeshare

A timeshare is a type of real estate investment in which several people jointly purchase property, usually a condominium, resort hotel or multi-unit building. The benefits of buying a timeshare are that it provides the buyer with the opportunity to enjoy all the benefits of home ownership without having to take on all the responsibility.

Costs of Owning a Timeshare

Owning a timeshare has many advantages. You will have the opportunity to enjoy different vacations throughout the year, and you can take your time to any destination. However, for this privilege, you need to pay a monthly or yearly fee. The monthly or yearly fee is usually called an “association fee” which varies based on the amenities offered by the time share resort.

For example, if there are more facilities offered at one resort, then it will cost more money every month/year than another resort with fewer amenities provided. The weekly or monthly rates are also dependent on the season that you are occupying your week or month at your timeshare unit.

Get Something for Nothing with a Rewards Credit Card

When you have a credit card, you can look forward to many different benefits. A credit card allows you to make purchases both online and offline, buy what you need without the worry of carrying cash around, and spread repayments on purchases if you wish to do so. In addition, you can benefit from an excellent choice of credit cards to cater to a variety of needs, and this includes ones that enable you to earn credit card rewards.

Many people decide to go for a rewards credit card because it means that they can basically get something for nothing. Of course, you need to ensure you choose the right type of credit card, as there are various options that you can choose from with different rewards that are designed to cater to different lifestyles and preferences. You also need to make sure you pay your balance in full each month so that you are not charged interest, otherwise, the amount of interest you pay could outweigh the rewards you get. In this article, we will look at how you can benefit from these credit cards.

How You Can Benefit

There are lots of ways in which you can benefit when you use a rewards credit card, and this provides a great way to get something back for being a customer and using your card. Some of the benefits are:

You Can Earn Rewards Easily

One of the benefits of these credit cards is that you can earn rewards and points very easily, and this means that your points balance can grow far faster than you might imagine. Some credit cards give you a lump sum of points when you first open your account and start using your credit card. Some then offer additional points for certain types of purchases, and others enable you to earn bonus points for friend referrals. Of course, you also earn points for using your card in the normal way, so the number of points can grow quickly.

There are Lots of Options

Another of the benefits is that there are various options when it comes to rewards credit cards, with a range of different cards offering a variety of different rewards. This means that you can find a card that offers the types of rewards that you know you will use, which enables you to make use of the points and save money on a variety of things. You can get cashback credit cards, travel rewards cards, and much more. So, make sure you look for the right type of card for your specific needs.

Convenience and Ease

Of course, you also have the added bonus of having a credit card that you can use for making purchases whether online or offline. This means you have the security of not having to carry cash around, and you also get more financial protection when you use a credit card for purchases.

These are some of the reasons to get something for nothing with a rewards credit card.

8 Reasons Why You Should Buy A Life Insurance Plan

There are many difficult choices you have to make in your life. Gone are the days when we used to live in villages when there was only a simple lifestyle you had to follow. In today’s fast-paced world, there are many challenges like healthcare problems, so you can maintain the quality of your life.

But how can you pay the hefty fees of hospitals? What if you or any of your family members get ill, and you have no money to pay for their medical expenses? The only reliable solution you have is buying a life insurance plan.

The life insurance plans are amazing whether you are single or have a family. Insurance allows you to keep your savings safe, and you don’t get to pay for the expenses at all. In this article, we will share the top reasons you should buy a life insurance plan – keep reading till the end! 

1. An Amazing Coverage

Life insurance plans don’t have poor coverage. The comprehensive coverage plan allows you to get all the benefits of the latest and greatest healthcare. You will not have to pay any expenses whenever you get admitted to a hospital.

Another option you have when choosing a Life Insurance plan is that you can either buy the insurance for yourself or everyone in the family. You can save money on a life insurance plan if you live alone, or if you have a family, then you can buy an insurance plan that provides coverage for everyone in the family.

2. No Need To Pay Money

The biggest benefit of a life insurance plan is that it saves you from paying the hospital fees. You will not be required to pay when you get admitted to the hospital and when you leave it. However, you might have to pay the fees yourself in some cases, and the insurance provider will compensate you later.

You will also not be required to pay for the ambulance fee, the money you have to spend on food, medicine, or any other health expenses. Your life insurance will have you covered for all your expenses – so you can focus on recovery instead of worrying about the expenses.

3. Ability To Change Anytime

What if you have a life insurance plan, but you are not happy with the benefits you are getting with it? The good news is that you can shift your insurance plan to any other company whenever you want. No agreement can stop you from making the transition from one provider to the other.

The transition process from one insurance provider to the other is also smooth. You don’t have to wait for years for the transfer to complete. All you have to do is to get all the important documents together, apply for the change, and the shifting of your insurance policy will take place in no time.

4. Making Yourself Secure Financially

Financial security is very important in this day and age. If you don’t have financial literacy and keep making wrong money decisions, you will face huge problems in the future. The only safe out of possible future problems is making an actionable financial strategy.

Buying a life insurance plan saves you from paying money all the time whenever you get ill. Your insurance provider will pay your medical costs, and it will become easier for you to focus on savings and investment. The financial security you get with an insurance plan will help you generate wealth and become financially stable.

5. Plan For Everyone In The Family

If you have a big family, then you have to get ready for huge responsibilities. The government isn’t responsible for taking care of the issues you or your family faces. It’s your job to ensure that everyone in the family is safe from financial troubles.

The life insurance plan you buy helps you get proper coverage for everyone in the family. You will not have to worry about healthcare costs. Instead, you will be focused on spending your time with your family member, so they can recover faster in your presence.

6. Increase Your Savings

Savings are the most important asset for your financial security. There are not many secure investment plans that can provide huge profits unless you know how investments work. Therefore, by the time you learn about financial institutions and processes, you have to save enough money.

One of the biggest reasons why it’s important to buy a life insurance plan is that it allows you to save your money. Instead of spending it all whenever you get ill, you get the chance to keep your money safe for yourself and your loved ones. Your savings can help you achieve other important things in your life.

7. Availability Of Treatment Plans

Advancements in medical science have provided amazing new treatment routes. Gone are the days when advanced healthcare was only for the royals ruling the country. The brave new world of democracy provides equal healthcare to everyone.

But how can you ensure that you have enough money to support your medical expenses? The only proven solution is getting a proper life insurance plan. The insurance plan will help you get the best medical treatment that ensures swift recovery. Many insurance providers are connected with the top medical hospitals, which help you get the best medical treatment on priority.

8. Checkups Without Paying Fees

Regular checkups help you find out if there’s something wrong with your bodily processes. A complete checkup allows the doctors to find out where you are lacking from the medical point of view and how you can overcome all of these problems.

But what if you don’t have enough money to go for a regular checkup? How about paying the checkup fees of everyone in the family? You will not be able to pay the fees if you don’t own a corporation or have huge bank accounts. A proper solution is buying a life insurance plan that will help you enjoy the benefits of free medical checkups – so you can focus on the improvement of your health! 

Why Reading Moving Company Reviews Is Important

There are many reasons why you may be moving from one place to another. Often, a job change requires a relocation. Or, you may need to move closer to an ailing family member. Perhaps you simply need a change of scenery and are eager to start over somewhere different. Whatever your reasons may be, moving can be exciting and challenging at the same time. As happy as you might be for this event, there is a lot to do and not always a lot of time to accomplish the tasks.

By hiring a professional moving company like International Van Lines, you can reduce your stress and lighten your burdens. Professional movers handle the heavy lifting and transportation of your items. Some companies may offer to pack your belongings as well. If you are worried about time or the amount of possessions you need to move, hiring the pros makes a lot of sense.

Be aware that there are many moving companies in your area, with each vying for your business. Not each company is the same, and some may lack the traits you need in a moving partner. Reading online reviews is an essential step in the process of finding the right company.

Reviews Are Unbiased

It’s vital to research different options when it comes to choosing a moving company. You can start by identifying movers close to you and reading about them online. Company websites can provide helpful information such as pricing, availability, and the services they offer. But you need to supplement this research with online reviews.

Reading company websites will give you all the positive aspects of the company. It is a subjective way of looking at movers and what they can provide. By contrast, an online review gives you a look at the experiences of actual customers who are not personally invested in the moving company. People who write the reviews do so willingly and are free to express their positive or negative experiences.

Reviews Can Narrow Your Choices

With so many moving companies to choose from, you may feel overwhelmed. How can you know which one is best when, on the surface, they all seem alike? Reading online reviews is an effective way of spotting key differences between the choices.

When you read a review, you can find elements at the company that you wouldn’t otherwise know. Reviews point out issues such as how good or poor the customer service was, whether there were any hidden fees, whether the movers showed up on time, and how fast they were at loading and unloading.

These are essential features of a moving company. By reading what customers have experienced, you can eliminate some movers from contention and continue to consider others.

Reviews Can Confirm What Others Are Saying

As you are getting ready to move, you may start asking people you know about professional moving companies. Family members, friends, neighbors, or coworkers may have used a particular company and may recommend them. It’s always good to confirm these referrals by reading online reviews. Comments from other customers (who have no connection to you) can validate what you are hearing from other people.

There Is a Lot at Stake

You make choices throughout the day, each day of your life. Many of these decisions are largely inconsequential and do not require extensive planning or thought. The effects of some choices will not be significant one way or the others. This is not the case when it comes to moving to a new home. If things do not go smoothly, you can suffer the consequences for weeks, months, or even years.

Picking the wrong moving company can be detrimental. Your belongings could become damaged or lost. You may not move all of your possessions out of your home in time or may arrive much later than you planned at your destination. You could even find yourself in your new home while still waiting for the moving truck to arrive (which could be more than a day behind). The stress can grow and build upon the anxiety you were already feeling. 

Moving can be incredibly costly, depending on the distance and amount of possessions you plan to move, so making sure you’ve done thorough research before signing on the dotted line is crucial. While it’s true that not everything you read online is accurate and believable, online reviews can be an effective tool in choosing a moving company that you feel good about. Use this strategy when you find out you will be moving. The sooner to start to look for movers, the more likely your move is to go well.

If you are moving soon, you can feel a lot of stress and pressure. When everything starts to seem impossible and too much to bear, call a professional moving company. Movers have the knowledge, training, and skill to quickly and safely load up the moving truck and transport your possessions to your new home.

Own an Old Home? Why You Should Invest in a Home Warranty

Of all the things you own, your home is most likely the most valuable. You make a significant investment when you buy a home. You also spend a lot of time and money taking care of it, so it affords the comforts and security you need. Maintenance and upkeep can be pricey, especially as your home ages and elements of it start to wear out.

If you feel overwhelmed by the prospect of spending hundreds or thousands of dollars fixing appliances and getting systems back on track, there is a way to alleviate your stress. With a home warranty, you can keep more of your hard-earned money but still properly service or replace your household items.

A home warranty typically comes with a brand-new house. After it expires a year later, that same protection goes with it. Newer homes may not need this coverage, but as your house ages, so will other aspects of it. If your home is decades old, it may be time to purchase home warranty protection for your home.

Breaking Down a Home Warranty

You should first understand that a home warranty is not the same as homeowners insurance. The latter protects your home against losses or damages if there is a catastrophic event such as fire, severe winds, or theft. With a home warranty, you have coverage when appliances and systems suffer wear and tear and no longer work properly or at all. You can also turn to a home warranty plan if something covered breaks down unexpectedly.

You don’t have to break your budget to buy a home warranty. You can typically find coverage for as little as $300 a year up to $700. Many companies will let you break up your payments into monthly obligations. When something falters and needs service, the warranty company will send a professional over to look at it and perform the necessary work to get it back into good order.

Be advised that a warranty won’t cover your appliances and systems in every situation. The items must be properly installed, and you must use them the right way. Deliberately breaking them, so you can have service is not allowed. There are also limits on how much the warranty will cover per item.

Appliances and Systems Could Be Near the End of Their Life Span

Living in an older home means that items such as the roof, plumbing, electrical system, and HVAC system could be living on borrowed time. It may have been a while since these areas saw much attention. In an older home, there is a good chance that appliances such as the stove, oven, dishwasher, and water heater have put in many years of hard work.

With older items, a serious problem may require more than just a few new parts and components. Making some tweaks here and there might not solve the problems. A technician might have to replace these items. Be prepared for these events by purchasing a home warranty.

A Home Warranty Tech Can Handle Any Appliance of Any Age

When something breaks down, it can be stressful to have to find a qualified professional to make the necessary repairs. A nice benefit of a home warranty is that the company will contract with a licensed professional to take care of everything. You won’t have to spend any time tracking down someone you know will do good work.

The warranty company’s technician will have experience working on a variety of appliances, including different models. Even if the item is on the older end, you can count on the service tech to make an accurate assessment and either repair it thoroughly or install a new model. 

You’re Bound to Save Money

Older homes require a lot more work than newer ones. That shouldn’t be surprising, but just how much it would cost to fix or replace areas of your home might be eye-opening. What you think is a simple fix on a dishwasher might end up being $250. Replacing an appliance such as a fridge could run you more than $2,000. Overhauling the electrical, plumbing, or HVAC system could cost thousands or even numbers approaching $10,000.

If you don’t have this kind of cash available, what options do you have? It’s difficult to live without the conveniences of these appliances and systems. A home warranty enables you to repair these issues without spending anything out of your pocket beyond the service fee and annual warranty price.

Knowing you can save money to this extent should give you peace of mind. Now, you don’t have to stress out about how you will come up with $1,000 to fix that broken sewer line.

A home warranty makes sense for a lot of homeowners. It’s a good move, especially for those who own older homes. If this sounds like you, look into getting this coverage today.

How to Buy Gold Bars Fast

Are you an investor interested in getting a feel, touch, and security that comes with owning gold? If the answer to the question is “yes,” it might be an excellent idea to consider gold bars instead of intangible options, such as gold futures and exchange-traded funds (ETFs).  However, some people indicate that the process is complex, while others end up making losses from common mistakes. To help you out, here is a complete guide on how to buy gold. 

Benefits of Buying Gold Bars

When you buy gold bars, it implies that you are getting gold in bars, blocks, or standardized shapes. You might find some people referring to them as ingots. Here are some of the main benefits of buying gold bars:

  • They come with lower markups: Bullions are the cheapest way to purchase gold. When purchasing the bars, the recommended process is to ensure you do not pay more than 5-8% above the spot price on the market.
  • It is an uncomplicated form of investment: With gold bars, you are simply buying blocks of metal. Unlike trading shares of selected gold companies, where you are required to start by opening accounts with brokerage firms, all that you need is placing an order online and the gold bars will be delivered to your doorsteps.
  • Offer an excellent way to diversify investment: Instead of investing only in stocks or ETFs, which are very volatile, gold offers an excellent option for diversification. In the event of economic instability, you are sure that your investment in gold will not lose value.

How to Buy Gold Bars Fast 

The benefits that we have listed above are only a few of the most common ones. You also get to enjoy the satisfaction of being the owner of actual gold and a rise in price can result in growth of your investment. Now, we will tell you how to a buy gold bar fast.

  • Set Aside a Budget for the Gold Bars 

Like other types of investments, the first step in buying gold bars is to set aside the money you want to use. So, once you make up your mind, check the latest prices to avoid exaggerated rates.

  • Select a Trusted Gold Dealer 

One thing you need to appreciate about the gold market is that it is full of scammers. Therefore, it is paramount to try and avoid them at all costs. If you see a trader offering gold bars at a very low price or pressuring you to buy, this should be considered a red flag. To identify trusted and reliable traders, consider reviewing their operations, checking feedback from past clients, and their licenses. One of the trusted gold dealers that you can work with is GoldAvenue.

  • Prepare Your Storage Unit 

Before placing order for a gold bar, you need to have a good way of storing it. If you want to store the bars at home, prepare a safe storage unit, preferably in the most hidden and secure place. Good examples include floor safe boxes and secure outdoor units. If installing safe boxes and keeping the gold bars safe is challenging, consider private repositories.

  • Place Your Order 

Armed with a safe storage unit and a trusted goad dealer, it is time to place your order. This is the easy part. You only need to visit the preferred dealer online, select the gold bars of choice, and complete the payment. Your bars will be delivered to your preferred storage point.

Although many people consider the process of buying gold bars complicated, this post has demonstrated that it is pretty simple. However, you need to be extra careful and only deal with trusted gold dealers to avoid falling into the hands of scammers. To sell gold for more profits, make sure to carefully follow the latest price shifts as well as the driving factors, such as policy changes and emerging demand.

Full guide to the best stock market game for learning how to trade

Learning how to invest in the stock market can be confusing and daunting sometimes. It mainly depends on how well you have practised the skills. But if you are a beginner, you can’t invest your hard-earned dollars just to practice. The only way to learn how to invest is by investing, but it is not necessary to invest your real dollars when you do so.

By playing stock market simulators games, you get to invest money that is fake in a real market situation. It teaches you how to trade for quick profits, minimize your losses, place different trade orders, and build an investment strategy. 

Benefits of stock market games

To understand how the stock market games helps you become a successful trader, you should know its benefit:

  • Knowledge about brokerage: The stock market simulator also gives you experience about the brokerages and commission charged by brokers for making a particular transaction. 
  • Understanding of stock market: Practice always makes a man perfect. So if you are regularly practising trading in the game, you develop a better understanding of the market’s ways and trends. As a result, in the real market, you will be able to perform better.
  • Serves as a practice ground: Before starting investing real money in the stock market, it is advisable to polish your skill first by trading on a virtual platform. You can analyze your skill, knowledge and strategy before making a mistake in the actual market.

Playing in the simulator feels like you are trading in the real stock market. It can be an excellent platform to test your strategies and how you think of deciding on a price and stock option. 

Best stock simulator

Here is a list of the best stock simulator that you can try:

Investopedia stock simulator

Investopedia is an excellent comprehensive stock simulator game that you can try. This game lets you create a profile in an advanced online suite consisting of stock analysis, advance portfolio, stock research, summaries and many more.

It offers its users the easiest platform to use yet realistic way to practice trading. Moreover, it keeps you updated of the real stock news and insights to make you feel you are in the official trading app. It also includes a gamified and competitive aspect for its users.

In the competition, you get connected to around 700,000 investors worldwide and compete with them. This competition helps beginners to learn a lot as they gain immense knowledge in the process. The contest runs every quarter, and the game ranks you according to your growth and how well you were able to invest. 

The ranking helps boost up personal validation even if you are in the 109th place. Plus, the fact that you can earn award and prices double the motivation. You can check the best online trading platforms.

Motley Fool CAPS stock simulator

The game focuses on the principle of crowd-sourced investment wisdom. At the same time, the CAPS service provides by the game make you see the reason why a player made a pick. Usually, the players write a short write-up about the given stock which serves as a perfect tool for sourcing ideas. 

You can join the big competition with around ten thousand players, and in the end, you get a ranking based on your performance. However, if you want to gain knowledge, you can see what the leaders are buying and its reason. 

CAPS service keep on recording your performance in comparison to other players and gives score accordingly. The score does not depend on how much you earn instead, your pick. Also, it depends on, by how much it beats the market overall. But the most favourite part about the game is you can learn a lot by watching the top performers in action and can even bring up queries.  

Market watch stock simulator

MarketWatch is another excellent browser-based stock exchange simulator. Similar to Investopedia simulator it runs on a hosted platform under an official financial website for monitoring market. 

The platform allows you to make your own game or you can join the one already created. You can choose any game among the ten thousand games available on the list of fun right now. However, if you are creating your own game, you can set many parameters as you like. For instance, how long the game will continue, whether the player will short-sell or trade on margin, and the starting virtual money every player will get.  

You can trade in real-time using your virtual portfolio. It allows the player to talk strategies with other players in the discussion room of your game. Moreover, other people can join the customized private or public game that you have designed.  

Wealthbase

It is the newest addition to stock market games, and it is very much fun to play. Just like the other, you can design your own game here and set its rule. After creating the game successfully, you can send them to your friend via email and ask them to join the virtual contest you will have in a few minutes. 

One of the essential benefits you get in wealthbase is it is not subjected to desktop only; you can also play it through a mobile app.

The game’s interface is super smooth; you don’t have to wait for hours to load it. Moreover, social elements make the competition more interesting. The game will allow you to see the live feed of the stocks your competitor are picking. At the end of the day, you will get updates of your progress; you can also view charts and news feeds to grow yourself more. 

Conclusion

Stock games are isn’t just for beginners; it is also for the pro trader. Beginners get knowledge about the real trading situation and its outcome without losing real money. At the same time, pro traders receive an opportunity to test their trading skills and gets a reward in return. It is an enjoyable, entertaining and risk-free way to hone your skills. Among so many options available for stock games choose the one that suits you and meet all your requirement.

Can You Get a Title Loan without a Credit Check?

Many people run into financial situations where they need money quickly, whether they have to make a home repair, pay a medical bill, or are short on cash before their next payday. If you’re in this situation and own a car, then a title loan may be a good option for you. But if you have poor or fair credit, you may be wondering if you can get a title loan without a credit check. Let’s dive deeper into how online title loans work and whether you can still get approved if you have poor or fair credit.

How Do Title Loans Work?

A title loan is a short-term, secured loan that uses your car as collateral. To qualify for a title loan, you have to own or have equity in a vehicle. The loan amount you can receive depends on how much your car is worth. Once you fill out an application online or in-store, the lender will conduct an appraisal of your car and offer a loan amount worth up to 50% of your vehicle’s value.

If approved, you can continue driving your car as you repay the loan, and the lender will hold onto your title. Just remember that if you don’t pay off the loan, the lender can repossess and sell your vehicle to recoup the loss.

Can You Get a Title Loan with No Credit Check?

It may be difficult to find title lenders that don’t do a credit check. Luckily, since a title loan is secured by your car title, you typically don’t need good credit to get approved. Many title lenders also have more lenient requirements and will consider factors in addition to your credit score, including your income and current debts.

What Do I Need to Apply for a Title Loan?

If you want to apply for a title loan, you may need the following information and items:

  • Vehicle and title
  • Government-issued ID
  • Proof of residence
  • Proof of income
  • Vehicle registration
  • Proof of vehicle insurance

How to Apply for a Title Loan

Here’s how to apply for a title loan and get the funds you need:

  1. Gather all necessary documents: Make sure you have all the information and items above to apply for a title loan, as well as any other required documents.
  2. Apply online or in-store: Fill out all necessary information about you and your vehicle on your application.
  3. Get your vehicle appraised: The lender may conduct an appraisal of your car in-store or at your home to figure out how much money you can receive.
  4. Sign loan paperwork: Fill out and sign all paperwork needed to receive your loan.
  5. Receive your funds: Once you submit the paperwork, receive your funds and continue to drive your car as you repay the loan.

The Bottom Line

You can still get approved for a title loan if you don’t have good credit. Although many title lenders will check your credit score, they’ll consider other factors and may decide to extend you the loan if you have poor or fair credit. As long as you own or have equity in a vehicle and can provide all necessary documentation, you may get approved. Just make sure you can pay back a title loan before applying so that you can avoid car repossession.

Simple Tips For Managing Your Finances

It has always been important to manage your personal finances but now more than ever. The world is a different place from the one we knew 18 months ago before the dreaded COVID-19 pandemic swept the planet. Many people have lost their jobs or had their hours cut by employers, resulting in slashed budgets and their purse strings tightened.

Creating a budget and analyzing your spending habits may seem tedious, but it is essential. It would be best if you lived within your means regardless of your household having a monthly income of $2,000 or $20,000; even those people earning large salaries can and do endure money problems.

Create a Detailed Budget

Your first step to managing your finances is to create a detailed budget, so you know exactly how much money you have left once your essential bills and living costs, which is known as your disposable income. Professional gamblers have done this for years; they call it bankroll management. Someone betting for a living on Vegasbetting.com will only ever bet with what they can afford to lose. You should only really spend what you can afford to. The principle is the same.

There is no need for fancy accounting software when creating your budget. A simple spreadsheet or writing it down on a piece of paper will suffice.

Start by listing all your guaranteed income, and do so down to the last cent. This figure is made up of your salary, benefits, etc. Do not include periodic payments to your income, such as overtime payments, because they are not guaranteed. You want to arrive at an overall figure that is the worst-case scenario.

If you do have occasional, semi-regular payments, such as dividends from investments, consider listing these. However, do so as an average over the year. For example, if you receive $120 per year from investments, list this as $10 per month if you list them at all.

Do Not Forget About Irregular Costs

It is time to make a list of all your outgoings or expenditures now you have arrived at your total monthly income figure. This section can be a little daunting because you are likely to have many more expenses than income.

Essential costs are the first items to put into your spreadsheet. These are fixed costs that you have to pay regardless of anything else, including rent or mortgage payments, powering your home, and any debts that need repaying.

Next up, jot down all your outgoings that can be variable and that you have some control over. Include your average grocery shopping bill, not forgetting to list the average cost of rarely purchased items such as cleaning products and the like.

Your last set of expenses are non-essentials or luxuries. Think along the lines of cable fees, the internet, magazine subscriptions, etc.

It is essential to list other irregular costs like car maintenance, buying clothes, and going to the hairdresser. If you splash out and have your hair cut twice a year at $100 per time, that is $200 a year and $16.66 per month you have to budget for.

It Pays to Shop Around

Subtract your total expenses from your total income to arrive at your disposable income, the money you have available to spend each month. It may be a figure you are happy with, or you may want to improve it. The only way to do the latter is to earn more money or reduce your outgoings.

The first option of earning more money is not as easy as it seems. Reducing your expenditure is simpler.

It pays to shop around when it comes to your service providers. Contact different power companies, cable and internet providers, anything where there is competition in the marketplace for your custom. You can play them off against one another — you can even threaten to leave if they don’t give you a better deal — and you will be surprised at how much money you can save just by signing up to a different tariff.

We are living in stressful times, do not let money worries stress you further. Get your finances on track with a simple household budget.

The Perks and Risks of Carrying Multiple Credit Cards

In these modern times, credit cards are a staple in every individual’s wallet. After all, this is the era of digital payments and cashless transactions taking place in nanoseconds. Whether you’re grabbing a coffee on the go, are out on a dinner date with your better half or simply enjoying a shopping spree alongside a lovely companion; credit cards are always there to the rescue and there’s a chance of getting cashback & rewards on your purchases too.

The most important thing is knowing how many of these plastic cards you require in your wallet. Some financial experts insist that carrying a single credit card is more than enough. In this post, we will walk you through the benefits and risks of owning multiple credit cards.

Tip: There’s no one-size-fits-all approach applicable to owning credit cards. At the end of the day, it all comes down to an individual’s ability to manage his/her credit bills responsibly while keeping up with the due dates. 

More Cards, More Benefits

Credit card issuers constantly keep on attracting consumers with fascinating perks and cashbacks. That’s what keeps the customers coming their way.  You might be tempted to opt for more than one credit card. You could keep one for personal spending and the other for business spending. It will help you keep the finances separate. 

Moreover, you can also opt for a card that offers rewards on groceries, another that offers enticing cashback or reward on dining and another that lets you place orders on international websites without charging any hefty foreign transaction fees.

Having different credit cards allows you to earn rewards and cashbacks on every purchase made using a credit card. For instance, you can easily earn up to 5% cashback on groceries, hotels, fuel and dine-outs. Some cards offer FLAT 1% cashback on all purchases made using them.

The only downside is that if you have too many credit cards, you may end up forgetting a due date or even lose one of the cards. One wrong move and you’ll ruin any savings earned. 

Sometimes, having even two credit cards could be troublesome for those who can’t afford to pay off their bills or are weak at practising self-control. 

Risk: You might end up in a debt trap

Financial experts fear that credit card users might rack up huge bills and expenses. Well, we strongly believe that it’s nothing other than a myth. If you’re owning multiple credit cards, you’ll be way better at managing your expenses. You’ve to be disciplined enough to realise when you’re overspending or else you’ll end up in the debt trap. Don’t go overboard by creating debt that you can’t afford to pay. 

Benefit: Helps secure loans with minimal interest rates

If the credit cards are being used wisely, they’re known to strengthen your stance in the credit score range and later you can secure loans with nominal interest rates. On the other hand, if you fail to manage it responsibly the stakes are pretty high and may turn you ineligible for future lending. 

Benefit: Get rewarded on your spendings

Isn’t it tempting to get rewarded for doing your monthly groceries? It certainly is! Many credit cards offer cash backs, rewards, incentives and promotions at certain brands they’ve partnered with, which is a great thing for any shopaholic. 

Benefit: Buy now, pay later

The best thing about paying through a credit card is that you don’t get billed right away. There’s no need to worry if you’re roaming around cashless because these plastic cards have you covered.

It is quite convenient to use a credit card for your purchase, as it will let you get hold of the product/service instantly and not get billed for it until your payday rolls around. 

Risk: Losing the track of due dates

This is pretty common when you own multiple credit cards. Being diligent and responsible enough is the key to maintaining a good credit score. The best way to keep up with the due dates is by setting up reminders. 

No matter how many credit cards you own, it is suggested to carry not more than two at a time. You’ll still have a backup card in case your primary card is declined due to any XYZ reason. It also minimizes the risk of losing all your cards if your wallet goes missing. 

If you’re one of those impulsive individuals that easily draw themselves into a huge pile of debt, then you shouldn’t sign up for a credit card at all! Also, you should consider reading these five useful tips that will help you limit your overspending habit

Risk: Frauds & scams

Ever imagined having your credit card being suspected of potentially fraudulent activity? In such a scenario, your card will be frozen until you assure your credit card company on call that you are on a vacation in Egypt and the card is with you. This pretty much justifies the need to carry a backup credit card. 

Sometimes, your credit card details might be compromised if you’re a victim of phishing. Unfortunately, there’s no fool-proof way of avoiding such scam attempts. Because of such unavoidable circumstances, it’s always a good idea to own at least two or three credit cards. 

A credit card is undoubtedly a lifesaver when you are caught up in an emergency. To cope up with an unexpected emergency whether it is paying off a medical bill, losing your job or covering a car repair; credit cards can be quite useful in such testing times. Ideally, your credit card should have zero annual fees and a reasonable credit limit with the best & minimal interest rate. 

Having several credit cards comes up with the responsibility of managing credit card limits on each and paying their balances before due dates.