A Trio of Must-Have Gadgets for Investors

 

Whether you’re a newbie to the world of investing or have been dabbling in the stock market for some time, you likely find yourself checking your portfolio at least once a day; after all, you want to find out if your Starbucks or Target stock has risen in value or if it’s time to get out of that investment.

While investors have traditionally checked the stock section of a newspaper for this information, many now rely on their smartphones and computers to get updates in real time. Indeed, there are a number of must-have, handy electronic tools that make keeping tabs on your money and portfolio easier than ever. Here are a few prime examples.

An iPhone SE

While all smartphones allow you to make calls, send texts and take selfies, the iPhone SE goes beyond these functions with a user-friendly feature for investors. The smartphone, which comes equipped with the built-in Stocks app, allows you to easily keep track of everything in your portfolio from the palm of your hand.

In addition to keeping apprised on your various investments, the Stocks app also allows you to check the opening and closing numbers on the Dow Jones Industrial Average and S&P 500, as well as how well particular stocks have performed over the past two years.

Thanks to the iPhone SE, you don’t have to keep a folded-up newspaper in your purse or briefcase; instead, you can easily check your investments while standing in line for a latte. Now, how cool is that?

A Financial Calculator

When it comes to figuring out your finances, you can’t go wrong with a financial calculator. Sure, your smartphone’s built-in calculator or the one sitting on your desk can handle simple arithmetic, but a financial calculator is better for computing statistics and analyzing your cash flow.

A great and reasonably affordable option is the HP 12C Financial Calculator that’s sold on Amazon.com. At around $50, plus shipping costs, this slim and sturdy financial calculator will allow you to more easily calculate and track annual percentage rates, net present values and more.

A Fast and Reliable Laptop

In addition to owning a state-of-the-art smartphone, a laptop is also a great tool for investors. While smartphones offer more convenience, a laptop’s larger screen size will allow you to more easily read about your stocks, pull up your accounts, and check the markets. Technically, any laptop that connects to the internet will do, but to make your investing life easier and less stressful, you’ll want to find a laptop that’s lightning fast, reliable and that offers an amazing battery life.

After all, the last thing you want is to be in the middle of buying low, only to have your computer crash or the battery shut down. Additionally, because you might have multiple tabs open at once, you’ll need a laptop that can handle the activity, along with trading software apps.

As StockstoTrade.com notes in its reviews of the best laptops for trading, the MacBook Pro is a fast laptop with a battery life that lasts nine hours. Spring for the model that offers more gigabytes. And, since it’s lightweight, you can take it with you on the road. The Dell XPS and Surface Pro are also ideal laptops for investors.

Good Luck, and May Your Portfolio Steadily Grow

To become a prolific investor, you’ll need a number of key tools in your arsenal. By using your smartphone to check your portfolio, buying a financial calculator to handle the often-tricky mathematics of investing, and buying a laptop that will allow you to buy and sell when the iron is hot, you will be well on your way to watching your investments grow into a nice nest egg.

 

 

May 23, 2018 at 4:40am
Robots are here to stay. As with every new development, there will always be a few negative things that will try to mess it up. The advent of bots has come with a number of advantages as well as disadvantages https://t.co/1Wz201FPtk


Checkout Unique Finance and get a bonus from me.

Prices Likely to Spike for Common Goods as Geo-Political Tensions Rise

 

Today’s Global Economy The Food Crisis

In today’s global economy, what happens in one part of the world – sometimes in one specific country – can set off a chain reaction likely to have far-reaching effects for consumers everywhere. When Panama Disease hit and peaked in Central America in the 1950s, for example, it wiped out thousands of acres of banana plantations that caused a worldwide shortage of the fruit, even forcing growers to abandon their favored cultivar and go in search of new types. Today, most of the world eats an entirely different kind of banana – the Cavendish – because of this.

Like bananas, global products of all kinds are not immune to the effects of global markets. Recent announcements and economic policies have U.S. markets and consumers poised for a price hike for common steel and aluminum products. From soda cans to new cars, hundreds of industries are likely to see costs go up. Yet these products are far from the only ones being impacted by global geo-political tensions and sharp changes in demand and consumer preferences.

Food

Global food prices are hitting new highs as demand for meat, dairy, and wheat from countries with expanding populations continues to surge. U.N. food agency data shows global food prices are up 7 percent from a year ago and ahead 17 percent from a low set in early 2016. According to analysts, there has been a growing global demand for meat, particularly for beef. So strong is this demand that global meat has outpaced most other major food commodity groups, according to U.N. data.

Common Household Goods

Yes, even toilet paper is not immune to drastic price hikes and consumer panic. Just this week, a spike in the price to produce toilet paper in Taiwan cause panic to a point where lines formed outside of local grocery stores as people snapped up toilet paper and paper towels in bulk. The mess began on February 23rd when, according to The Economist, Taiwanese retailers, including several supermarket chains, said that toilet-paper producers would increase prices by as much as 30 percent in March because the cost of raw pulp had gone up.

Pearls

Political uncertainty in the South China sea has forced the price of pearls upward, much to the dismay of traditional brick-and-mortar and online retailers throughout the U.S. Leon Rbibo, who runs two of the top pearl websites in the U.S., The Pearl Source and Laguna Pearl, says military escalations in this part of the world can drive costs up “literally overnight,” since a large portion of the world’s favorite gemstone is imported from this area. Add to that the implications of Brexit, which is destabilizing world currencies, and you have a recipe for higher costs.

Gas and Other Fuel Types

There was a brief respite from the pump for many U.S. consumers over the last year, but don’t bank on that trend continuing, analysts say. According to AAA and the transportation industry, more than half of the country is likely to see a significant spike in the average cost for a gallon of unleaded gasoline. According to AAA, there are numerous reasons for the hike:This year “has seen fluctuating crude oil prices, strong gasoline demand and new U.S. oil production records creating a volatile gas price market from month to month for consumers,” Jeanette Casselano, AAA spokeswoman, said. “Typically, March brings more expensive pricing as days get longer, weather gets warmer and refinery’s gear up to switchover to pricier summer blends.”

Bourbon (and Other U.S.-Produced Spirits)

New U.S. tariffs have other countries considering raising duties of their own. The European Union could choose to retaliate by going after peanut butter, orange juice, cranberries, and yes, even that world-famous Kentucky bourbon.

The European Union is the first trade partner to offer specific steps and products if the U.S. is to proceed with certain proposed tariffs, including on steel. Canada has also promised countermeasures. And Mexico, China and Brazil are said to be weighing options.

 

 

 

May 23, 2018 at 4:40am
Robots are here to stay. As with every new development, there will always be a few negative things that will try to mess it up. The advent of bots has come with a number of advantages as well as disadvantages https://t.co/1Wz201FPtk


Checkout Unique Finance and get a bonus from me.

Six Amazing Financing Options for Start-up Businesses

Business depends upon the idea and vision of an individual or a group of people, and one cannot start it until and unless is confident about the idea. The biggest advantage of having your own business is that you have your own choices and you get to make your own independent decisions. But certain requirements of the business must be fulfilled. You should make sure that you have the abilities to start up a new business and along with that you are ready to give your time and strength to it as the establishment of a new business requires them all.

After this, the primary thing that comes in the way to start your own business is the lack of capital. One of the most basic things that every businessperson needs at some point either to continue, to establish or to start a new business is the loan. When any business entity has less capital, then it not only affect the progress rate of the entity but also decreases the employment rate which ultimately affects the lives of many people. There are many ways by which you can get loan and the biggest mean is the bank. It is also very important that you prepare a solid business plan. You should gather all the information regarding your business niches such as the information of the ownership and the management, the objective of the business, marketing plans and financial projections. You should also present your idea to the lenders. It will help them to develop confidence in your vision.

Along with that, a written business plan is always preferable as it contains all the information that the lender would need to check whether the firm is in a position to return the loan taken or not. It contains all the profit and loss statements, bank statements, business credit reports, personal credit reports, tax return documentation and copies of all the relevant legal documents. Do you want to start a business of your own? Are you passionate about business and related stuff?! Well, the two basic things that you need in order to start a new business are capital and your devotion, of course. So here I have six amazing financing options for startup businesses. Have a look at them:

f you want to start a business a

If you want maximum profit out of your business, then you will have to finance it personally. How do you expect any banks or lenders to take a risk in you when you are not willing to take a risk in yourself? There are numerous ways to finance your business personally. You can save up from your personal income, or you can also liquidate some assets to get the startup money. You can gain the finances for your business is through your property.

It can create a big role for the investment towards your business. You can pledge your property to gain enough amount of money for starting your business as personal assets play an important role in helping the lender decide to lend you the amount. They act as a guarantee to the lender that in case you fail to pay back the amount on given time then the amount can be recovered from the assets. But do all the necessary calculations and make a solid and effective business plan so that you don’t end up wasting your hard earned money. And your business can be more profitable if self-financed due to the ever-increasing interest rates of banks and private lenders.

 

If you don’t have enough resources to finance your business personally then acquiring a loan is another option you can avail. Keep in mind that loans don’t get approved so easily. You will have to ensure the lenders that you are worth taking the risk. Here are some tips that you should keep in mind while applying for a loan.

  • Start the application process before you need the money
  • Create a detailed business plan
  • Show how the business will be profitable
  • Try to improve your personal and business credit score
  • Consult professionals to look over the loan agreement before you sign it

 

Partnerships are a great way to finance a startup personally without any involvement of banks. Gather some friends and family members that you can trust and form a partnership to finance the business. But involving business with relationships can sometimes cause problems and can lead to damaging the relationships with your loved ones. So to avoid this problem, you should form a legally binding contract that specifies the roles of all the people involved in the business.

 

  • Incubators and accelerators

Incubators and accelerators are companies that finance your business in return for some equity. They also provide you access to experienced professionals and business contacts to improve your odds of success. But like a loan you need to show these companies that you are worth the investment and your business plan will be profitable.

 

Crowdfunding is the process of raising money to fund what is typically a project or business venture through many donors using an online platform, such as Kickstarter, Indiegogo and Crowdfunder. Crowdfunding is typically done through an online platform that allows the fundraiser to set up a public campaign for accepting donations. The campaign will advertise details such as the nature of the project or venture, the amount of money the company is hoping to raise and the campaign’s fundraising deadline.

People can donate a specified amount through the fundraising campaign’s website and often receive some sort of acknowledgement or reward in return for their donation. These websites are a centralized way for startups to reach out to a large community. Many YouTube channels got their startup funding from crowdfunding websites.

 

If any of the previous options are not available, you always have family and friends to look back to. You can ask your friends and family members to loan you the startup, or you can ask them to invest in your business. It is the most common way through which you can take the loan for a start-up business. You can always convince them to lend you the loan. Where you will need to return the loan you take, you won’t have to pay any interest on them and you won’t be under any extreme pressure by your friends and family. Just make sure that you don’t let the money ruin your relationships.

 

Author Bio:
Emily Stark is a financial analyst and accounting expert. She has in-depth knowledge about setting up small businesses as well as creating profitable investments. She regularly contributes articles related to business and loans at https://www.ebroker.com.au/.

May 23, 2018 at 4:40am
Robots are here to stay. As with every new development, there will always be a few negative things that will try to mess it up. The advent of bots has come with a number of advantages as well as disadvantages https://t.co/1Wz201FPtk


Checkout Unique Finance and get a bonus from me.

How Will Exiting Iran Deal Affect the US Dollar and Business

Iran Deal Under Review By President Trump

Since Donald trump came to power in 2016, there have been tensions between the US and various other countries which have caused economic and political shockwaves around the world. At the start of the year, tensions between the US and North Korea seemed to be escalating rapidly, and relations with China were stretched with talks of a trade war occurring.

Most recently, Trump’s decision to withdraw from the Iran deal drew widespread condemnation from global leaders, suggesting it was a controversial and potentially consequential move. Here are some of the ways this may affect the dollar.

Volatility

The tensions between the US and Iran may well cause volatility in the dollar, given that it is a controversial move which will greatly restrict economic relations between the two countries. Some even believe that other countries may benefit from this, as they try to bypass US sanctions and pay for Iran’s major export, oil, in their own currencies rather than the dollar.

This could end the era of the petrodollar, which has benefitted the US for many years. As such, the dollar’s value may well sink as other countries race to take advantage of this.

Sanctions

By withdrawing from the Nuclear Deal and putting sanctions on Iran once again, the US may well find that some businesses suffer as a result. Those which were previously dealing with Iranian companies will now find it much harder to do business with them, which could, ultimately, lose them profit.

This may well lead to a dip in their profits, potentially affecting the value of some company shares. Some groups may even need to use the services of investment advisors like Wellington Management Funds before choosing stocks to invest in, so that they can navigate some of the stocks which may lose value as a result of recent events.

Oil

The price of oil has already shot up to over $80 a barrel since the US placed sanctions on Iran once again, meaning that the sanctions themselves may well have had the opposite intended effect (given that the oil industry is a major part of Iran’s economy).

This could be bad news for US consumers, as it may well make a number of commodities (such as petrol) more expensive, and potentially drive down consumer spending, once again harming the dollar’s value overall.

The US withdrawal from the Iran Deal has caused a great deal of tension globally, and the full effects are yet to be realised. There will no doubt be further developments to come, many of which may have a bearing on the dollar’s value and fortunes, at least in the short term.

 

May 23, 2018 at 4:40am
Robots are here to stay. As with every new development, there will always be a few negative things that will try to mess it up. The advent of bots has come with a number of advantages as well as disadvantages https://t.co/1Wz201FPtk


Checkout Unique Finance and get a bonus from me.

What Are the Pros and Cons of Bots? automate all services

 

You And The Robots

is here to stay. At least it seems that way. Ordering in food or flowers or getting your alarm going in the morning has never been easier, or more fun. As with every new development, there will always be a few negative things that will try to mess it up. The advent of bots has come with a number of advantages as well as disadvantages.

Bots have found their way into many spheres of our lives.

  • Marketing
  • Education
  • Healthcare
  • Lifestyle
  • Customers services

These fields and more have developed automation services or tasks that can be dealt with by virtual assistants. Socializing on social media has brought some significant reasons why you may need to find out how you can block bad bot traffic. That aside, there are many good things associated with bots.

Advantages

Bots have brought with them a world of good. Have a look:

  • They save time for the server and the customer or client and are also very convenient.

They save time and money for the business and this results in higher profits for the business. If you factor in online shopping, you will understand how much time you save by being able to do your orders from home. You do not need to make time during the course of the day to go shopping. All the browsing and testing and the time wastage that physical shopping brings can be avoided.

Should you get home in the dead of the night and you are either too tired to cook or there is nothing in the fridge, you can turn to the internet for a solution. Stores are open 24/7 and you can have food delivered to you at any time. That is quite a leap from the time when you would have to make a call or find that no stores were open past a certain time. As long as you can access the chatbots all you need to rememberis what you want to eat. In addition, you can browsefor restaurants that are open in your area without having to call anyone. Thus, no one knows where you are unless you choose to tell them.

There is nothing that tires a person as much as something that one has to do over and over again, every day. Imagine having to physically take down files, then put them back and having to repeat that throughout the day or even the week! One is bound to get bored. Automation takes care of such tasks for you as yousimply order your bot. You can then move on to other tasks. You get more done that way.

If you need your incoming information organized, bots help to make that happen in record time. The same happens with data organization.

When you are dealing with a lot of activities that are interrelated, it is easier and faster when there is a bot to handle them. Pushing buttons and getting information from myriads of sources and coordinating directions can be achieved so much fasterwhen one simply has to give orders.

Disadvantages

Below are a few disadvantages of the use of bots:

  1. They cannot be effectively set to perform exact tasks and they can misunderstand instructions. One can set up more that one bot to deal with several tasks though.
  2. If a customer makes an order that is beyond the bot’s scope of knowledge, that could be a problem, especially if there is no human to interpret the order or deal with such a situation should it crop up.
  3. Some things cannot be taught. A chatbot, for instance, does not have the capability to interpret additional features of an order. It is only a human who can make adjustments if need be. It is therefore necessary to have a professional on hand to deal with issues that the bot may misunderstand.
  4. The human touch is still necessary. Most humanbeings still prefer to deal with a fellow human with whom they can engage in some small talk as they take care of their order. It is also not possible as yet to automate all services. Some things like deliveries can only be done by humans.
  5. There is the possibility of abuse from unscrupulous humans. You must have heard about how people get trolled online by others. For the longest time, it was assumed that there are a lot of humans on social media sites who have nothing better to do than start fights.

On the issue of trolls, it does seem that some humans are up to no good where others are concerned. However, it is a relief to know that such bots can be identified and furtherinteraction with them avoided. It is also good to know that one can get such reported and blocked as they tend to come up in the form of social media accounts.

Bots may be relatively new as of now, but there are developers who are working hard to make them better. Right now, the jury is out on whether they are really helpful or not. Many enterprise owners have embraced the use of bots in their businesses, especially for customer care purposes. That is definitely a sign of great things to come.

Conclusion

Bots are beginning to make their presence felt and not just in the social media circles. It would appear that they are most prone to abuse in those circles as people can easily make botaccounts for trolling purposes. That said, the development of bots cannot be pushed aside. It is just a matter of time before they take over all things to do with the internet. As the developers work on making better bots, you may continue to enjoy the privileges of shopping online and getting your data synchronized in record time.

Checkout Unique Finance and get a bonus from me.

How Technology Is Making Everyday Lending Easier

Technology Making Lending Easy

Technology has – and is – making everyday lending easier. Not only is it now easier than ever to get a loan, but the entire process is far more efficient than it has ever been before. With the chance to apply for payday loan on your mobile device, you can quite literally apply anywhere, at any time of day. Here, we’re taking a closer look at how technology is making everyday lending easier.

Use Your Mobile

Today, you don’t have to log onto a computer to request a loan; you can do it directly from your mobile device. With little to no time to take the time to travel to a location to withdraw cash, mobile lending is on the rise and applying for a loan online takes minutes. Once you have completed the simple online registration form and your loan has been approved, the money will be transferred to your bank account and will be available to spend immediately. You can even top up your loan online by logging into your account!

Online Registration Form

If applying for a loan via your mobile device isn’t for you, there’s still the option to fill out an online registration form on a laptop or computer. Many of these online registration forms require you to share your personal, contact, employment and financial details, which depending on whether you saved your details online, can be filled out automatically, saving you even more time when it comes to completing a lending application. Once you have filled out all the required fields, your credit score will be automatically calculated. From here, you will be told whether or not you are able to take out a loan.

Loan Repayment

Repaying your loan doesn’t have to be difficult either. With your online account, you can easily repay your loan online. You won’t have to answer question after question, as all of your details are stored in one place, saving you valuable time. When logged in to your account, you can view all of your payments, as well as when your loan is due to be repaid. This will help ensure that the money is repaid on time, and you can even set up reminders on your mobile phone for additional peace of mind!

Loan Repayment Calculator

As well as being able to repay your loan online, you no longer have to work out the best loan yourself. By using an online calculator, you can identify how much you can apply for before filling out a quick and easy application. By filling in the amount borrowed, term and interest rate, you can immediately find out the total monthly payment, total charge and total repayment for the amount borrowed.

Technology has undoubtedly made everyday lending easier, and receiving your payday loan is only set to become even more straightforward in the near future. With several new technological advancement being trialled each day, who knows how instant lending could become?

 

Checkout Unique Finance and get a bonus from me.

How Fintech Is Aiming Millennials Using AI Machine Learning

Millennials >The Electronic Natives

During the last a few years, millennials have already been upending the customer market as businesses struggle to get the easiest method to attract the world’s first group of electronic natives, a wily lot whom thrive on invention, automation and also all of the tech gadgets that are latest.

As more of these young-adults go into the employees and start invest in their futures, businesses are speedily understand they may have to transform their approach to attraction to this demographics’ distinctive set of needs and also objectives, which take course to totally disrupt the status quo. In a nutshell, it can’t just be business as usual with the generation that is Smartphone.

Millennials Branded

As millennials have already been burdened with a few unattractive labels in modern times, as well as selfish, entitled and award kids, this tech confidence bunch has also been sleeted for being more progressive and also available to new ideas than earlier generations.

Millennials value transparency in addition to convenience. They basically demand to possess a modified products or even services at their fingertips anywhere and also when they need it, according to research that centers on how banks could recreate themselves in the age of millennial.

These types of defining attributes are just what companies require to bear in mind if they wish to maintain their competitive edge in this climate of lightning-fast technological change. It has not ever been truth than for fintech, an industry I have watched develop into becoming more hands on, easy to use and also amusing, thanks towards the computerization that is advanced AI technologies which has flooded the IT-sphere.

Fintech Business and Millennials

Many fintech businesses have seized upon a distinct segment possibility. They realize that old-fashioned investment and banking avenues are becoming quickly phased down. In reality, 58% of Americans believe that financial institutions will no longer exist in their form that is present within next couple of decades. In reality, a lot of big banking institutions have already implemented mobile applications so that you could match shifting customer styles, which are rapidly moving towards the digitization that is complete of sector. Fintech is using this process a step further by essentially replacing (human) financial advisors with robo-advisors that use big data, machine learning and also AI to basically cherry pick the best investment opportunities for this new generation of investors.

As the Chief Executive Officer of my own mobile app and web development store, I have caused a serious few fintech startups over the very last decade that understand the importance of targeting the requirements of this customer base that is valuable. I’ve been keeping a keen eye on this sector, pleased to see that the market is filling with investment platforms geared toward my generation.

AI, machine customer and learning service anytime, anywhere is where the future is headed. Businesses hoping towards capitalize on consumers changing mindsets, with millennials leading the cost, will need to fine-tune their jump or approach off the bandwagon. Those that have not began automating their services to appease the more youthful generation’s demands for transparency, ease and cool, interactive user interfaces have actually about another couple of years to get up or risk extinction.

 

Checkout Unique Finance and get a bonus from me.

An Untraceable Currency? Bitcoin Privacy Concerns

Bitcoin is frequently portrayed being an untraceable technique of payment that facilitates illegal activities by allowing crooks to create and receive payments without being tracked. This depiction implies that users transacting in bitcoin can completely do so anonymously that their identities will never be exposed. However, that isn’t fundamentally the way it is. Although bitcoin provides better privacy when compared with traditional-payment connecting a 3rd-party intermediary for example a credit-card provider, it’s nevertheless not as anonymous as a cash transaction. A person’s identity could potentially be exposed in bitcoin transactions in fact, there are many ways.

A general idea of the Blockchain

Bitcoin isn’t anonymous. As we explain below, it really is pseudonymous an important distinction. It can also be a decentralized, peer-to-peer currency that is digital having no third-party intermediary for instance, a charge card issuer, vendor processor or bank that is involved to verify a transaction between a customer and vendor. Since there is no party that is third there must be another way to confirm a transaction between two users and avoid the double-spending problem i.e., a means of guarantee that an individual does maybe spend bitcoin they have formerly transferred.

This is where the Blockchain, the undoubtedly revolutionary aspect of cryptocurrencies such as for instance bitcoin, is necessary. A Blockchain is just a public, distributed ledger, by which every transaction is documented. A Blockchain ledger is distributed across a group of computers thousands of them, each with its own copy of the Blockchain transactions unlike traditional payment systems in which the ledger is maintained by a single third party.

Each block of deals in a Blockchain is complete by users within the peer-to-peer network, known as miners, who compete to resolve a complex problem that is computational. 1st successful miner to validate the deal broadcasts it to the network that then checks the results. Once checked, the new deals are added as a new block to the Blockchain. The miner who first successfully verified this transaction gets rewarded by the network with newly created bitcoins in the case of bitcoin. At the time of 2016, the reward was reduced from 25 to 12.5 bitcoins, and it is expected that the reward will be further reduced to 6.25 bitcoins in 2021 July.

Tracing Bitcoins Back to Individuals

Encryption might make the impression that these transactions are visible however unmatchable to specific individuals. However, bitcoin isn’t as untraceable as encryption may indicate. Tying an encrypted transaction to a real person may be it’s not really a risk that is remote. There are numerous ways this could occur.

 

Users who count on a bitcoin trading exchange such as Bitfinex and Binance or Kraken to switch money for bitcoin have to divulge their information that is personal to exchange to produce a free account. The information collected by the trade varies, however normally includes, at a minimum, a user’s first and name that is last and, possibly, a phone number. The trade may additionally collect a user’s ip. If these exchanges had been subject to a data protection breach, a user’s personal information could be exposed. In addition, some exchanges that are centralized to manage users’ bitcoin funds and users’ private keys on their behalf.

You can find additionally wallet that is on line providers that control users’ wallets on their behalf. A wallet is really a software program that stores an accumulation of a public that is user’s personal key pairs. The storage space of personal tips makes these central exchanges, and online wallet providers, prime targets for crooks because, as discussed above, you aren’t access to a user’s personal key should be able to develop a bitcoin transaction that is valid. A hacker who accesses a user’s private key can send all of that user’s bitcoins to him or herself, or even to any intermediary of their choosing.

Summary

Although bitcoin is a decentralized and unregulated payment method, users should recognize that this does not mean that their bitcoin transactions are private and hidden from scrutiny. The public nature for the Blockchain coupled with the increasing threat of government regulation can result in the identification of users involved in transacting the currency.

 

.

Checkout Unique Finance and get a bonus from me.

Beat Stress and Regain Control of Your Life

Life is busy: it can feel like you are continually spinning plates just to stay afloat, and it is this plate spinning act that can make it seem like life is out of control. So how can you reduce the stress and fatigue that you are experiencing? Here are 4 tips to help you regain control of your life and stop stresses in their tracks.

  1. Review your finances

Financial worries are the main cause of stress, but when was the last time that you reviewed your household budget? Create a spreadsheet that details your income and your expenditure. Chances are high that you will be surprised at where you are leaking money. Take lunch prepared at home to work and reduce the number of takeout coffees that you buy each week to reduce your spending. Review your utility bills and seek a better rate from other providers – be active in saving money. If you currently have tax issues from unfiled returns, rather than stick your head in the sand, take advice and seek a solution. A company such as mytaxlawyer.org can take the headache from you, and help resolve the stress that you are in.

  1. Say no

You do not have to keep saying yes to every demand that is made on your time. You do not have to accept every invitation, and that means saying no. Friends and family will understand if you decline invitations or requests for your attendance at events. Although initially they may be taken aback by your change in habit, sometimes you just need to say no, and in the long run, they will come to terms with this alteration. Instead, spend time catching up on chores and tasks that need to be completed. Spending time to complete your to-do list will reduce your stress levels, and free you from worry.

  1. Review your diet

In order to perform at your peak, you must fuel your body so that it is able to cope with the demands that you make on it – both physically and mentally. Try to avoid over processed food and make healthy decisions for your food and drink intake. Fresh fruit and vegetables are not only great for your body, but for your mind too. The more colorful your food options, the richer they are in the nutrients that you need to function at optimum performance.

  1. Take up a hobby

While this may feel counter-intuitive for someone that is lacking in time and feeling stressed, taking up a hobby is a great way to take time out. A hobby allows you to focus on something other than the issues that are causing your worries, and the benefit of taking time out is that you can revisit the issues but with a fresh perspective from taking a break. The small details that have caused you stress are reduced, and you can look at the bigger picture. If you are physically able, try and choose a hobby that requires some physical exertion – get the blood pumping, and you will benefit from the release of endorphins that are the body’s natural feel-good hormones.

To gain control of your life, you must be active in seeking solutions. Be kind to yourself and make your wellbeing a priority. Whether you have financial worries or feel that you don’t have time to be the best version of you, by being proactive you can regain control.

Checkout Unique Finance and get a bonus from me.

Dropbox IPO Just Got $2 More Expensive Per Share

The Dropbox IPO is one of the most talked about offerings that has happened this year thus far, and for good reason. Dropbox is a massive company with a blue chip valuation. Well, that valuation just got a whole lot bigger as the Dropbox IPO just got quite a bit more expensive. Today, we’ll talk about the news, why the increase is actually a pretty good sign for Dropbox, and what you should be watching for ahead.

Dropbox Increases IPO Price

As mentioned above, the latest news that we’ve gotten with regard to the IPO of Dropbox has to do with the price. In recent news stories, we’re seeing news that Dropbox has made the decision to increase the price of its IPO.

Previously, Dropbox announced that it has decided upon a price for its IPO. At the time, the company set the initial IPO price range to be between $16 and $18 per share. This gave the company the expectation of raising approximately $648 million through the offering.

However, on Wednesday, the company announced that it has decided to increase the IPO price. Now, if you want to get in on the IPO, you’re going to apy somewhere between $18 and $20 per Dropbox share. As a result of the increased price per share, the company is now expecting to raise approximately $720 million, just under 10% of the total valuation of the company at $7.8 billion.

Why The Increase In The IPO Price Is Good News For Dropbox

While at first glance, this may not seem like such good news, it’s great news for Dropbox and a very positive sign for the IPO. There are multiple reasons for this:

  • Larger Amount Of Funds Raised – First and foremost, let’s not forget the reason for an IPO in the first place. In general, companies go public in an attempt to raise funds, and a whole lot of them. Even if the IPO price was to stay at the lower initial number, Dropbox would have raised an incredible amount of money. However, with $2 more per share in mind, the company is likely to raise an additional 72 million.
  • Shows Strong Demand – At the end of the day, if Dropbox wasn’t confident that the demand would be strong for its IPO, it wouldn’t go raising prices. After releasing the initial price of between $16 and $18 per share, the company has made the decision to increase the price after just about a week. This suggests that Dropbox has crunched the numbers based on reactions to the initial pricing, deciding that the demand was there for an increase. That’s great news.

What To Watch For Ahead

Moving forward, Dropbox is likely to present several potentially profitable opportunities. After all, it is one of the most talked about IPOs in some time. Adding in the fact that demand is already high enough to warrant a price increase on the shares, makes this an even more exciting even.

With that said, if you’re looking to get involved in the Dropbox IPO, there are a few things you should be watching for. First and foremost, pay attention to the news surrounding the price increase. Soon enough, we should see stories with regard to demand that tell us whether or not this was the right move relatively soon. Also, do some due diligence with regard to the valuation of the company. Is a $7.8 billion valuation really worth it when the company hasn’t produced a penny in profit??? While I can think of several examples where historically, the answer has been yes, that doesn’t mean that that’s the case here. So, before getting involved, make sure to do your research and understand just what you are purchasing when you buy shares.

Checkout Unique Finance and get a bonus from me.