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101 Investing Pros and Cons: User Reviews

It is not easy to invest blindly. Everyone values their money and so we know how people beforehand check many broker websites. Often visiting and reading many broker websites all of which have different uses of language. The wording can be confusing sometimes. Choosing an online broker like 101 investing can be difficult. For someone who is just starting, the first few problems can come in the form of what could be a complex mobile or online trading platform, having hard to understand investment jargons and incoherent fee structures. In our review of 101 investing we breakdown the pros and cons.

Reliability and capability matters in every relationship. Here also both qualities are important for successful online trading. The first step is to ensure the broker is not fake and your investment is in safe hands or not. the second important thing is to make sure your broker’s profile matches with your needs. so that you could have a good, long term profitable relationship.

  • A Demo account, which is also known as Virtual Portfolio.
  • Advanced financial chart comparison tools are offered by 101 investing platform
  • Researched back analysis is offered on the financial market and investment by top analyst
  • This 101 investing platform can be used on multiple devices including Apple Mac computers and also online through the Web browser
  • Both new traders and seasoned experts are offered easy to use the tool by 101 investing.
  • 15 different languages are provided in the platform of 101 investing, making it more user friendly and helpful

 Safety of 101investing

Whenever choosing a broker like  101 Investing the two most important part is its administrative body and regulatory status. Conducting trades without any supervision of any authority is a Broker’s discretion. Always remember, any capital that you ever invest is always at risk.

101investing Pros and Cons

PROS OF 101investing

Used by over 2,000 101investing users and traders

Established in 2016

Regulated by Cyprus Securities and Exchange Commission (CySEC)

Min. deposit from $250

CONS OF 101investing

  • Does not allow scalping
  • Not FCA Regulated

101Investing Broker Review: Account types

Three main accounts are offered by 101 investing. You have silver, gold, and platinum. All of these accounts have an unusual advantage. The most substantial and most extraordinary benefits are varied in minimum deposits, fees, and services. Make sure to check them out the next time you’re surfing on 101Investing’s website.

Many brokers in the market have fees, and so do 101Investing. But I would like to talk about their inactivity fee here, in case you’re not punctual and not keen on trading frequently, in this case, you will have to pay. Inactivation for a prolonged period will lead to the broker imposing fees.

These are some of the important information that we suppose you must know before beginning your relationship with Brokers. Through this article, the Major pros and cons have been explained to you but in case you are interested in more details, you can find more information about their accounts on their website at 101investing.com.




Top 5 Safest Ways to Buy Cryptocurrencies

As cryptocurrencies are once again entering into the mainstream, the world is slowly warming up to the idea of owning Bitcoin in their investment portfolio. And while the process may seem easy to follow, there are several methods to purchase Bitcoin that are safer than others.

In this article, we will show you the 5 safest ways to acquire Bitcoin to ensure that your investment remains in your full control. So get your notebook ready, ‘cause you’re about to keep some notes. Let’s get started.

Method #1: Cryptocurrency exchanges

Not all cryptocurrency exchanges are equal. For the most part, the ability to buy Bitcoin may seem similar in all platforms, but only a few allow you to do so in a secure manner.

  1. First off, you will need to find a platform that is reputable. Check for exchanges with large user-bases, positive reviews, high responsiveness, etc.
  2. Once you discover a platform that matches the above criteria, create an account, and start a transaction. You will notice, in most cases, that you will need to complete some sort of basic verification process to become eligible for a transaction. This is totally normal. All regulated and licensed exchange platforms are required to ask for the personal information of their users. Avoid exchanges that allow you to transact “anonymously”.
  3. The third thing you should look at is where the funds are sent. The safest method to transact with cryptocurrency exchanges is by sending your newly bought coins directly to a private wallet address. Try to avoid exchanges that deliver your coins in an exchange-based wallet address, as the coins will not be in your full control.

If the platform you choose to use abides by the three points above, you can rest assured that it is safe to use and, therefore, a great option.

Method #2: Escrow platforms

Another safe option to invest in cryptocurrencies involves the use of peer to peer (p2p) platforms with escrow mechanisms. The most popular platform of this type is Localbitcoins. Here is how the process looks like:

  1. You create an account on the platform and find a user that is willing to sell you Bitcoin. There are numerous payment methods available and each one will usually have slightly different fees depending on the demand of users.
  2. As soon as you open a new trade, you will need to make a payment while the seller sends his BTC to an escrow account (third party). The BTC will remain locked in the escrow until your payment is received.
  3. Once the seller receives your payment, the BTC is “unlocked” and sent to your wallet. From that point onwards, it would be smart to send the funds to a private wallet instead of leaving them on the platform.

Using escrow services is usually very safe, as long as you choose to use specific transaction methods. For maximum safety avoid meeting people in real-life situations, as these types of transactions can carry a significant amount of risk.

Method #3: Bitcoin ATMs

In many locations worldwide, people are still using paper money as their primary transaction source. This can become a problem for those willing to buy Bitcoin. This is where ATMs come into play. Bitcoin ATMs are very safe when it comes to cash transactions. While, in the past, the devices carried very high fees and low limits, users today have a lot more flexibility.

Most Bitcoin ATMs request users to verify their identity and enter their own private wallet address in order to receive the coins. Both of these characteristics add to the safety of the transaction, as you will be able to backtrack your transactions in case a potential issue arises.

While this method is not the most optimal solution due to its high fees and limited availability, it can act as a great complementary method to help you acquire BTC safely.

Method #4: Banking apps / Paypal

In recent times, several banking services have started using “paper” Bitcoin as an investment option within their apps. The most popular example, in this case, is Revolut. The digital bank allows users to safely acquire Bitcoin and keep it within their app. That’s right. In this case, users can not actually own real Bitcoin – they own a digital representation of the coin instead. It is impossible to send or use your Bitcoin for anything else other than storing value, which in crypto terms is more commonly known as HODLing.

Just a few days ago, Paypal also announced its support for Bitcoin and other cryptocurrencies. Starting from early 2021, users will be able to buy crypto directly from their Paypal account. However, much like the banking apps, you will not actually own the Bitcoin. Instead, you will only own a digital representation of the cryptocurrency.

What does this mean for the future of crypto? Is it the same as actually buying Bitcoin? Well, for many institutions, this effort is all about controlling the flow of money. If you wish to be exposed to the asset as a long term investment, both options work. However, when you can only access your funds within a specific payment system, you never really own the keys to your coins, which is inherently against the function and purpose of cryptocurrencies.

Method #5: Using trading platforms

Trading platforms and exchanges have many similarities in their functions. However, trading platforms are known to offer more opportunities to utilize your cryptocurrency in the open market. While buying crypto on a trading platform is not as safe as sending it directly to your private wallet (due to exchange-based wallets), many trading platforms offer full insurance to your funds up to a certain (often large) amount of money.

Therefore, if you wish to do more with your crypto rather than just holding onto it, you might want to explore the possibilities and make small-sized purchases with the purpose of trading the funds. Try to avoid large purchases unless you plan to send the majority of your coins to cold storage afterwards.




5 Ways To Motivate You To Reach Your Financial Goals

 

Typically, goal setting plays an integral role in your life. Whether you want to eliminate all your debts, buy a home, save some money for the future, or start a business, all of these things are considered financial goals. However, just like other goals in life, sticking to your financial goals can be a challenging undertaking. As such, it’s important to stay motivated if you want to make all of them happen.

Keep reading this article to learn more about the five ways of motivating yourself to reach your financial goals in no time.

1. Take Note of the Reasons Why You’re Doing It

One of the most significant factors in staying motivated to reach your financial goals is to remember the reasons why you’re doing it in the first place. If you don’t know the reasons why, then, it’ll be very difficult for you to remain on track. As a result, you might end up not reaching any of your goals at all.

Thus, if you want to make sure you have the motivation to attain all your financial goals, you should start envisioning what your life will be when you reach them. For example, if one of your objectives is to pay off all your debts, then, living a stress-free and financially-independent lifestyle can be your primary reason. Remember, the more you understand the reasons why you want to reach your goals, the more you become motivated to get them in time.

2. Have a Buddy

Another way to help you stay motivated when achieving your financial goals is to have a buddy. Primarily, a buddy is someone who also wants to reach similar goals like yours. By having someone by your side, you’ll be reminded about your goals and make sure you’ll never lose track of your progress.

For instance, if you have a savings goal, you can have a buddy to save some money with. Also, when you’re feeling low about reaching your goals, you can talk to your buddy about the challenges you’re dealing with as they can help you keep focused on the big goals.

However, if you want another effective way to motivate yourself, along with having a buddy, reliable resource websites, like Wealth Teacher can provide you with some financial tips that can help you keep going in achieving your financial goals.

3. Make Some Visuals

Making your goals visual can also be another way to find motivation. Seeing your goals can make them more real, plus it can be an excellent reminder of what you should be working towards.

In order to do this, you can keep some pictures of your financial goals. Whether your goal is to build a great investment portfolio or have six to seven figures of savings in your bank account, having a picture of these things can inspire you to strive harder to attain your goals. Moreover, you can also create a graphic that’ll demonstrate what you need to achieve, or start a blog outlining all the progress you’ve made from start to finish.

4. Minimize Distractions

Distractions can be little obstacles, which can discourage you from attaining your financial goals. For example, when you want to save money, having no budget can distract you from getting what you want.

That said, it’s important to minimize the distractions to keep yourself motivated. You can do this by taking notice of what takes you off the right direction and by planning a routine that’s intended to reduce those obstacles. If you’re looking to save some money, make sure to create a monthly budget that allows you to set aside some extra money for your savings.

Remember, distractions can be an effective way of convincing yourself to take your eye off on your goals. Thus, if you don’t want this to happen, find some ways to minimize their impact to your journey.

5. Keep Track Of Your Progress

Staying motivated with your financial goals requires you to keep track of your progress from time to time. Whether you want to do this every day, weekly or, monthly, monitoring what you’ve done can give you an idea of how far or near you are in reaching your goals. This means the information you get can encourage to push harder if you’re behind or to continue what you’re doing until you achieve financial freedom.

Conclusion

Again, goal setting is crucial when it comes to personal finance. Without some goals in place, you’ll not attain your dream of being a financially sound individual a couple of years from now. And, to make sure you’ll not lose track of this dream, stay as motivated as you can by following the tips mentioned above. That way, you can enjoy life without any financial problems.




Top 3 Most Popular Trading Strategies In 2020

Choosing an effective trading strategy is an important part of becoming a successful trader. Having a proper trading strategy helps you navigate financial markets, make correct decisions, and improve your trading performance over time. Most of the time when people talk about trading strategies, they mean a specific trading method that is usually just one small part of the complete trading plan.

There are lots of trading strategies, some of them are better than others, some of them are for long-term success and some are for short. It’s up to a trader itself to decide which strategy is the most optional in a given situation. But if you want to maintain your discipline while trading, you have to choose a high-quality trading strategy and follow its rules.

There is lots of information on the internet about how to choose the correct trading strategy or how to check online trading strategies today. Tendencies in the trading industry and the popularity of the strategies are rapidly changing, but for now, the top 3 most popular trading strategies are: Bollinger Bands, Forex News Trading, and 200-day moving average.

Bollinger Bands

Bollinger Bands is one of the most popular trading strategies for successful forex traders which was used from the 1980s back to when John Bollinger first introduced it. In this strategy, a statistical measure known as standard deviation is used to establish where the levels of support or resistance of a band might lie. This is a part of the concept of volatility channel. There are three most commonly used trading methods in Bollinger Bands.

The first bollinger band strategy in FX is Trend Trading. It is focused on estimating the advantages of the latest trends, particularly in currency pairs near upper or lower bands which is a sign of a strong trend. It’s important to note that during strong trends, the price is usually closer to outer bands. Traders who use this method analyze charts of several currency pairs and choose securities where price movements are close to lower or upper bands.

Another method of the Bollinger band is the Breakout strategy which is focused on identifying possible swings or trend continuations when the price is outside two bands. As you can see from its name, it helps traders to overcome breakouts in the process of trading. And the last one is the squeeze strategy which helps traders to predict the volatility of the market and determine the timing of opening and closing trades. It aims to identify the forex pairs with the most convenient upper and lower bands narrowed significantly. It might predict more trading opportunities as it shows a higher degree of variation in the exchange rates.

Generally, the Bollinger Bands strategy is useful to determine the potential tops and bottoms of currency pairs. However, success isn’t always guaranteed while using Bollinger Bands as it largely depends on the major economic events and many other factors that usually have a big impact on the usual market patterns.

Trading forex on News

Forex News trading is among one of the most effective trading strategies as it applies to any situation and traders can use it everywhere. While trading, it’s important to keep track of current tendencies in the economy and try to guess your outcomes based on your experience. There are many different reliable websites to gain important information about the financial news of the world but Bloomberg is generally accepted among the traders.  This is why trading forex on news is an essential part of trading because you have to be ready for major changes in economics.

Using this strategy, traders usually focus on some sectors including Interest rates, unemployment rate, trade, and budget balance, and Consumer confidence. Everything on this shortlist may not have a direct impact on the exchange rate of a currency, but they still have an influence somehow through the speculation they cause. For example, if CC (consumer confidence) is going down in the country, it’s predictable that the economy will decrease. Also, unemployment rates can have a huge impact on currency exchange rates because then unemployment is low, employers have to offer higher wages to attract workers from other companies. Low unemployment causes higher inflation which results in falling exchange rates.

So, keeping up with daily news is important to prepare for the inevitable changes, and this is why trading forex on News is still a top trading strategy in 2020. However, this strategy is considered a short-term one and you shouldn’t rely only on this one. Using one of the long-term strategies will increase your effectiveness and opportunities for success.

200 Day Moving Average

The last one in our list of 2020’s top trading strategies is the 200-day simple moving average (SMA). This strategy is considered as a key factor in determining long-term market trends. It plays a vital role and serves as a support level when prices are above the moving average or resistance level when prices are below it. The 200 days SMA is calculated according to the last 200 trading days and when the currency pair is above this indicator, it’s considered as an uptrend and above the 200 days, SMA is the downtrend. This strategy helps the traders to determine current trends and open positions to capitalize.

The 200-day strategy is often compared to a 50-day strategy but sometimes these two methods are used together which is referred to as MA crossovers. Sometimes it’s important to integrate short-term moving averages, which allows traders to calculate when is the time for the existing trend to run out of steam.

So, this strategy is essential to determine the direction of the long-term trend in any market and you can easily track when a market is going to decline using this method, but it is often considered as a self-fulfilling prophecy and doesn’t always work.

Conclusion

Finally, we can say that there are many other strategies that traders use to improve their performance and each of them is important to achieve your goals effectively, but remember to choose wisely and determine your strategies according to the current situation.




Keltner Channel Strategy

The vast majority of effort spent by a technical analyst to assess current market conditions is related to finding an asset price that is close to a balanced value. In simple words, the technical analysis aims to calculate an average rate in a given period. With that in mind, traders compare the current price action to the average mean, making conclusions about the direction of a trend, its strength and momentum, measuring volatility and the speed of price action, and predicting the future market sentiment, using the Keltner Channel (mt4).

However, given the frequent fluctuations of financial assets and often whipsaws reflecting false movements, it becomes a tough challenge to get a precise figure of an average rate. This is why technical analysts always focus on ranges or bands, which are crucial for the overall equation at the end of the day. Effectively, that is why technical indicators became so popular in binary options trading. This article aims to provide an in-depth guide for one of the most effective envelope indicators, the Keltner Channel.

Keltner Channel explained
The strategy is based on a multi-purpose indicator, which shows the market volatility, trend’s direction, and strength, oversold and overbought conditions, as well as the average balanced price level. It is very similar to the widely used Bollinger Bands indicator, however, Chester Keltner – the developer of the indicator – represented a different way of measuring average ranges in the 1960s. His initial formula was based on Simple Moving Averages, but in the 1980s, a new method was offered – Exponential Moving Average and Average True Range.

THE FORMULA BEHIND THE AVERAGE
Before getting into the details of how the calculation is made, it’s worth explaining several crucial methods used in the formula, as well as their advantages in terms of practical use in binary options trading. Exponential Moving Average (EMA), in contrast to simple Moving Average (MA), has an additional constant of smoothing values. In other words, EMA is much more sensitive to price changes than SMA, and it has a less lagging distance. Thus, using EMAs in any indicator’s formula allows technical analysts to make more accurate predictions of resistance & support levels, breakthrough ranges, and reach a higher accuracy of the indicator as a result.

Average True Range (ATR) has even more layers of smoothing out unnecessary market noise. The formula picks up a maximum value between the difference in a high and low rate, absolute means of high rate less the previous close, and absolute mean of low price less previous close. After that, ATR is calculated by dividing 1 by the number of periods and multiplied by the sum of all previous readings for the chosen period. The main advantage of ATR compared to SMA is that it excludes false whipsaws and too large spikes of the price to calculate ranges where the rate was present more often. As a result, ATR points to a more probable price range in the future.

For more this success strategy, visit: Finmax




50 Richest Americans Now Worth More Than Poorest 165 Million

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By Tyler Durden | Zero Hedge

If readers want more evidence that the current economic system is rigged against the working-poor, well, look no further: New Federal Reserve data shows how these monetary wizards exacerbated the wealth gap during the virus pandemic via unprecedented quantitative easing programs.

Never before has the Fed unleashed so much monetary stimulus in a given quarter (2Q20) to shield the economy from the virus-induced downturn. The result is a “K-shaped” recovery, disproportionately affecting low-wage service workers and households of color, while billionaires, cent millionaires, and millionaires added record wealth. The Fed’s monetary interventions resulted in surging stock and other asset prices, while those who owned no assets did not participate in the “V” recovery.

Earlier this week, Swiss bank UBS and accounting firm PwC published a new report that showed the wealth of the world’s 2,189 billionaires jumped to a new record high of $10.2 trillion in July, surpassing the $8.9 trillion record at the end of 2017.

It was only when the world’s central banks aggressively expanded their balance sheets, beginning in March, that the rich got richer…

Bloomberg notes that the Fed data shows the top 1% of Americans are worth $34.2 trillion, while the poorest 50%, around 165 million people, control about $2.08 trillion, or less than 2% of all household wealth.

Meanwhile, the 50 wealthiest people in the country are worth almost $2 trillion, according to the Bloomberg Billionaires Index, up $339 billion from the start of 2020. Tesla’s Elon Musk is a prime example of a billionaire who saw his wealth rapidly increase this year, up $75.6 billion year-to-date, to $103 billion.

50 Richest Americans Wealth Surge

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Gold vs. Fixed Deposit- Which is Better as a Long-Term Investment?


There has been a long-running debate on gold vs. fixed deposit India with regard to the effectiveness of both investment types in terms of earning good returns for the long term. Risk-free investments are often priorities for those who are highly averse towards exposing their hard-earned investments to market fluctuations. If that is the case with you, then you can choose from either FDs (Fixed Deposits) or Gold. However, you should always possess a deep understanding of the underlying factors behind each investment for determining the best one that fits your needs. Delving a bit deeper, there has also been a debate over investing in sovereign gold bond vs. fixed deposit for earning better returns when markets are on the downward spiral and inflation levels are on the higher side. If you are also in a dilemma regarding the same, you are in the right place. In this article, we have discussed different parameters to compare Gold and FDs.

Safety levels and market risks

Gold investments could be continually in a state of flux since gold is a commodity that is traded globally. Various aspects including US dollar prices, imports, gold supply, global trade relations and so on, may impact gold prices. Although there are chances that gold values may increase, any fall in the market may equate to your investment getting stuck in the bargain. Returns from fixed deposits are always free from market fluctuations and risks. You can compare between various banks and financial institutions offering FDs in terms of the rates of interest. This comparison will help you choose the right place to invest while for gold, the returns are more or less market dependent.

Returns

If you were wondering how to invest in gold, you can do so through bonds and ETFs. Gold investments may give you good returns overall and imports of gold into India over the period between 2012-17 has led to gold inflation. The Government has been acting to lower the same which has led to a fall in gold prices before they have started picking up again. Gold investments have given inflation-beating rewards in previous years. The one thing to know is that gold values appreciate owing to devaluation of paper currencies and hence returns may sometimes turn out to be quite nominal.

Fixed deposit rates may vary from 6-8% on an average and the returns remain fixed and locked-in for a specific tenure. Returns remain guaranteed irrespective of the amount that you have deposited. Rates of interest are slightly higher for senior citizens as well.

Tenure flexibility

For investing in gold, you may consider equity, ETFs and bullion among other avenues. Durations usually depend on the investment type that has been selected. Flexible terms are also offered by FDs (fixed deposits). You can choose terms between 7 days and 10 years, based on your specific needs. The investment term flexibility will depend on the specific terms of the NBFC or bank where you have your FD. Short-term FDs generally help in beating inflation levels.

Liquidity levels

Investing in gold is possible through bullion, mutual funds and even equity. This ensures great liquidity levels. You may be able to physically sell gold swiftly although there are chances of losses in the bargain. The returns usually depend on the market scenario at the moment. In the case of FDs, liquidity levels will naturally depend on the financial institution and its terms and conditions. Premature withdrawal of the FD will incur penalties/charges likewise.

Earning income

FDs are income sources for most people and the frequency of interest income can be selected by you. You can choose a cumulative FD where interest will be reinvested for getting you superior returns. Gold will not generate any additional income for you. It is an asset whose overall performance is dependent on external factors and cannot be productive all on its own.

Loans against your investments

You can get loans against both gold investments and FDs, usually up to 80% of the asset value. Loans may be taken at competitive rates of interest from financial institutions in both categories. Rates of interest charged on these loans are usually lower in comparison to rates of interest that are applicable for personal loans.

Income Taxes

Returns from FDs are completely taxable. Yet, there are tax-saver FDs offered by banks which have lock-in periods of 5 years. You can get tax deductions for investments up to Rs. 1.5 lakh annually under Section 80C. However, these FDs cannot be withdrawn prior to their maturity.

What are the Core Takeaways?

The core takeaway is that FDs are perceived as the most secure and guaranteed investment options in the country. They are backed by the Government and enable fixed returns on investments with sizably lower risks in comparison to gold. All leading banks and financial institutions provide FDs to customers. If risks are what you are concerned about, choose fixed deposits over gold. You can earn an additional income from fixed deposits without any worries regarding the loss of value of the asset in question. Gold does not help in generating income and there are chances of incurring major losses in case physical gold is sold instantly since prices of the asset will keep fluctuating in the short term.

Gold rate should thus be considered only when you are looking at investment growth and not income. Gold should be a smaller part of the investment portfolio since it is a key asset which has returns depending on various external aspects. It will not be productive by itself. Income-generating investments are a key priority for young professionals and those in the early stages of their career. FDs can meet their requirements better in this case.




Why is Macro Research Important?

Although the term macroeconomics is not too old and dates back to the 1940s, many of the core concepts of macroeconomics have been the focus of research for decades. Macroeconomics in its modern form is often defined as the starting point of the work of economists such as Paul Krugman, John Keynes, and Milton Friedman, but several schools of thought have developed since then. While economics wants to be objective, a subjective element pervades the research process, from the choice of modeling to research methods to data collection and analysis.

While other types of investment research may focus on specific areas, macroeconomics examines the entire economy. Given the long-term trends in the economy, such as inflation, unemployment and unemployment rates, macro-research offers a holistic view of the market. The importance of macroeconomic research and its impact on economic policy is also increasingly emphasised.

For investors, macro research can show which companies are worth investing in and which ones should be better avoided. Macroeconomic theory can also help individuals, companies, and investors make better investment decisions, such as what motivates Andritz on how best to maximize the benefits of scarce resources.

If done right, macro research will reveal opportunities that are only just beginning to flourish. Forget about the economies of many countries around the world and look for ways to develop. Macro-research can be an opportunity for individuals to gain an advantage in investment opportunities, even without the large hedge funds and banks. One of the benefits of macro research is that it allows a person to “get the edge” on an investment opportunity without even the largest hedge fund or bank being involved.

There are two main areas of macroeconomic research, macroeconomics and economic theory. Macroeconomics focuses on neoclassical economists who believe that markets are always in equilibrium.

So we always know where the risk is going to fall and we can rely on that in the most uncertain of times. In the future, we believe macro strategies will play an increasingly important role in generating alpha and managing the volatility of your portfolio. Because macro factors influence market dynamics in more complex and unusual ways, a macroeconomic risk factor – based approach 3 – is more appropriate for capturing the overall risks across the investment universe. EPB Macro Research offers a complete set of investments that allows you to adjust your risks for each investment, improve asset allocation and offer more.

Macroeconomic analysis is the process of getting an idea of how an economic system works. Applied correctly, economic theory can provide illuminating insights, and here is how to understand macroeconomic and microeconomic insights. Sources: 0, 10, 15

Researchers include inequality as a macroeconomic issue because they know where to look for compelling research questions and how to address them. The Fed is also engaged in seeking answers, and finding answers to these questions is an important part of its mission as the Federal Reserve Bank of Chicago.

I have reviewed the academic literature, spoken to people who know this field, and developed myself in a number of blogs on the subject. As you will remember, studies in the field of macroeconomic research and advocacy are relatively limited. Microsociologists (including Rios-Pascoe) usually use research methods that involve direct interaction with the research participants, such as focus groups, interviews or interviews with participants.

As a result, long-term macroeconomic trends, such as rising incomes and economic growth, tend to be overlooked in favor of the short-term effects of short-term economic events, while long-term macroeconomic trends that contribute to development and ascension are overlooked. There is a lack of research on the relationship between macroeconomics and social development in the United States, including the impact of economic development on education, employment, health, education, and the environment, and the role of government policy in these developments.

In a study conducted with the Gallup organization found that the question of the relationship between macroeconomics and social development in the United States and the role of government policy could be answered by a concept that is important for understanding the economic events and issues reported in the news media. It shows that there is a strong correlation between economic development and economic policy, such as the Federal Reserve, which, because of its role as the central bank and its monetary policy, has control over monetary policy in the United States.

The results of the survey clearly show that young people and adults who know the fundamentals of the economy influence their thinking on economic issues. This increases the importance of macroeconomics, because if the main objective of economic research is the welfare of an entire society, economics becomes a study in itself. Macroeconomic aspects include a variety of concepts and variables, and there is a strong correlation between economic development in the United States and the role of government policy. It is an important aspect of social development and economic policy, and a key element of a healthy society. macroeconomic, which includes a number of concepts and variables but is particularly important for the development of society and its well-being, such as education and employment.




5 Simple Hacks To Boost Your Retirement Funds In Style

It’s never too early to start saving for your retirement. However, it’s vital that you do it in the most effective fashion. After all, your standard state pension plan probably won’t be enough when you reach your golden years.

Here are some of the best hacks that can unlock the door to a better financial future.

Look For Tax-Free Options

When looking at any investment, it’s important to analyse the whole situation. This means taking the tax implications into account too. If you are keen to capitalise on stocks, you may want to search what is spread betting to find a better solution. Profiting from the same commodities without losing money to the taxman can take ROIs to a whole new level. Better still, the knowledge that you’ve used a system that delivers the best results will fill you with pride and satisfaction. Do not ignore it,

Leverage Success By Borrowing

By now, you will know that the real estate market is one of the most stable investments for your future. However, it may seem difficult to generate significant ROIs if you only have a small amount of funding. Thankfully, it is possible to borrow extra capital for commercial real estate investments. When you do, it puts the odds in your favor. Even a 10% profit on a £400,000 asset is £40,000. If you borrowed £300,000, though, you’ve suddenly gained 40% on your initial investment of £100,000.

Take Advantage Of All Employer Contributions

If your company pension plans are supported by an employer match scheme, don’t ignore it. This is essentially free money. Even if your employer only puts in £200 for every £1,000 you save, it’s a 20% increase without any extra saving on your behalf. If nothing else, taking advantage of these opportunities will encourage you to adopt a winning mindset. Therefore, it can actually have a far greater impact on your long-term financial situation. Regardless of how old you are currently.

Use A Robo-Advisor

When the thought of finding investment opportunities is too daunting, you can look to use automated services. Knowing what is a robo-advisor can put you in a more powerful position. The tools will only invest your money in a fashion that suits your preferences, but will make calculated decisions to unlock better ROIs. While there are no guarantees, the AI is far better than trying to work with a lack of experience. Better still, this approach will inevitably save you a lot of time in the process.

Stop Wasting Money

While you may think that your retirement funds are determined solely by your investments, that isn’t the case. There is nothing wrong with spending money, but learning to cut the waste will pay dividends in the long haul. You can’t trim the fat from energy bills, phone packages, and grocery shopping. Learning to upcycle items or use repairs rather than replacement will work wonders too. In many cases, you won’t even notice any impact in daily life. But your finances will certainly show the rewards.

Even the above steps won’t remove all risk from investment. Nonetheless, they will optimise your hopes of success in terms of stability and overall growth.




JP Morgan Bank Forced To Pay $1 BILLION For Market Manipulation

https://www.youtube.com/watch?v=jZF1u5fJF_Q

Video Source: World Alternative Media

Josh Sigurdson talks with Tim Picciott, The Liberty Advisor about the latest news on JP Morgan as the megabank is fined one billion dollars for rigging gold and silver, and treasury manipulation.

It’s commonplace to see major banks spoofing prices of gold and silver alongside pretty much every other major market. Deutsche Bank has been paying off settlements for their gold and silver manipulation for years. JP Morgan traders have gone to jail over this alongside traders at many major banks. This fine however breaks records.

Of course, JP Morgan’s Jamie Dimon will simply pay off the fine with bailout money from taxpayers most likely. Also, the fine barely scratches the surface of what they actually made in value by spoofing markets.




5 Things You Can Do Now to Get Ready For Retirement

46% of Americans believe they won’t have enough money for retirement according to a Gallup survey. Every 1 in 5 Americans older than 65 is still working – through the Wuhan virus pandemic hurt many people. This is because they cannot afford retirement. However, there are steps you can take to prevent this from becoming your reality. These are 5 things you should do right now to make your retirement easier and pleasanter.

1. Prepare Your Finance

You need to come up with a retirement plan for which you need to start preparing your finances. You should know your exact spending habits and the kind of money you are expecting to make. This is one of the most important steps of getting ready for retirement.

Make sure you are not conservative in calculating the amount of money you will require after you retire. It’s better to err on the higher side. Tally up various income streams, like pension and Social Security to know the amount you will generate.

2. Use Retirement Accounts

When you are getting ready for retirement, you need to take full advantage of catch-up contributions and retirement accounts. Increase your annual contributions to the maximum limit allowed (wherever possible) in your IRAs, 401(k), and other plans. You should aim to qualify for the maximum matching contribution in 401(k) offered by your employer.

You may be able to set aside a higher amount if you are 50 or older. Account consolidation may simplify investment management as you near retirement and offer a clearer picture.

3. Get Ready for Retirement by Investing for Growth

It is easy to shy away from investing in stocks, especially with the current risk scenario. However, stock growth may prove to be an integral aspect of your portfolio. You should seriously consider maintaining mutual funds, bonds, stocks, and other assets as per your risk tolerance, liquidity needs, and investment time horizon.

Well-balanced portfolio can go a long way in helping you weather market downturns. It can also help you generate enough income to cover your expenses post-retirement for at least three decades.

4. Pay off Your Debt

This is one tip you should consider right now. Try downsizing your mortgage payments as much as possible. A little sacrifice today will help you remain comfortable when you retire. You should consider paying major purchases in cash to curb any new credit card debt.

You don’t always need to grow your investments and savings to ensure you have enough left. By reducing debt, you essentially reduce the amount spent on interest payments when you retire.

5. Get in Touch with a Financial Advisor

There are many financial advisors that can help you consider the right factors and make the right decisions. You can consider online financial advisors if you lead a busy life and can’t take out time for a physical appointment.

Financial professionals can help you save and earn more. Their expertise and advice can easily make up for the amount you pay them. However, you need to make sure that you choose a reliable and experienced professional. Ask your friends and family for strong references.




Why Seniors Should Choose a Condo for Retirement

Condominiums, better known as “condos” are considered a great option for senior living. Condos are privately owned units within a building. It is different from an apartment, which is also a unit within a building but often owned and managed by a company – not the individual.

There are quite a lot of reasons why seniors have made condominiums their domicile of choice. This is where we will lay out the pros and cons of condo living, as well as some desirable locations in South Carolina.

According to several studies, nine out of ten seniors over the age 65 wish to remain independent and live in their own home. Unfortunately, with standalone homes, the overall costs of maintaining their home becomes onerous and not affordable, especially if they are living on a tight, fixed budget. Consider that standalone homes require lawn maintenance, repair, plus utilities and the cost of living. Proximity to neighbors or a helping hand may be distant depending on where they live too.

Condos can offer a multitude of options, from size, community, social activities and amenities, and more. They come in all shapes and sizes from high rise buildings to town homes; semi-detached houses, and even detached homes within a gated community that you can easily find all with condos for sale in Myrtle Beach, South Carolina. Many of these communities require their residents to be 55+ because they specifically cater to the aging population.

How does ownership within a building work?

Condos give full ownership to the individual who is buying it, even whilst that unit is within a larger building. Anything within the individual unit is the sole responsibility of the owner but the exterior maintenance is often provided by the community or HOA such as snow removal, lawn services and other yard maintenance. Communities often have shared amenities like a golf course or club house, pools, gyms and sometimes shopping centers.

Other Benefits to Living in a Condo

Affordable Prices for Condos

Condos generally cost less than regular housing by approximately $10,000. This can be attributed to lower lot prices or mortgage payments, savings on lawn care equipment, and if the condo was a step to downsizing, less in utilities.

Available Social Support

How scary would it be to fall and get injured, lying scared waiting for someone to show up – if they do? In condo communities, neighbors are generally closer and communal in nature. Neighbors and social club friends will likely notice someone’s absence and prompt a wellness-check.

Location and Lifestyle

Condos are generally located close to shopping, theater and other quality of life things like restaurants, stadiums, and hospitals.

Maintenance for Condos

This was previously mentioned but it’s high on the priority list – maintenance is one of the key motivational factors for moving into a condo. As people age, they don’t have the health, stamina or the wherewithal to keep up with lawn work. Let the young ones take care of that stuff.

Convenience with Accessibility

Many condos offer units that can accommodate wheelchair access, ramps, or even public transportation or community events and day trips.

Security for Communities

In many cases, condominiums are within communities that provide security. It may be in the form of guards, security cameras or emergency alert systems. Some have gated communities with someone at the entry to make sure visitors belong there.

What are some of the Cons of Living in a Condo?

Some of the biggest complaints about condo living stems from the rules and regulations so it is wise to do the research to see what those restrictions might be before purchasing a condo.

Restrictions or No-pet policy

Some condos have a no-pet policy while others have restrictions on the type of pets, how many, and even breeds that are or are not allowed. There are others that have lenient rules but it is important to ask first before buying. It would be terribly sad to choose between home and Fluffy.

Restrictions on Exterior

Many HOAs and condo communities have restrictions on how people may decorate their units on the outside. Flags, plants and even holiday lights may be restricted. Another thing to consider for the exterior may be a ban on barbecues or hanging clothes to dry outside. If decorating or using the outdoors of your unit is a big deal, read the fine print of the homeowner’s agreement.

Restrictions on Guests Stays

Most condos have no problem with overnight guests but there may be restrictions on long stays, sub-leasing, unaccompanied visitors to the pool and other amenities, and using the unit for rental services like VRBO and Air BNBs might be a no go.

Restrictions on Noise

In many senior communities, there may be a byline concerning noise. It could be a curfew, of sorts, where noise or social activities that may disrupt the peace and quiet has a time stamp on it.

There May Be Some Mandatory Fees

With condo living and all of the amenities, there is a good possibility that what is saved on a mortgage is being used to pay for access to those amenities. Check to see if there is an opt out or if those association fees are mandatory.

Condo living is not ideal for everyone, but it’s important to face the pros and cons of living this way.

Some of The Good Locations in South Carolina

Myrtle Beach

Home of one of the country’s tallest ferris wheels, Myrtle Beach is a destination for many vacationers and forever home for retirees. There are plenty of communities with condos for sale in the Myrtle Beach area that are close to golf courses, beachfront, boardwalks and entertainment.

Seabrook Island

There is a lot of history that dates back to the 1600s on Seabrook Island. In 2005, this island was incorporated and privatized, providing owners and guests such high-end amenities like a renovated equestrian center, golfing, and full-service clubhouse.

Beaufort

Beaufort is the second-oldest city in South Carolina. It is very close to Parris Island, the training home of many U.S. Marines. It is in close proximity to Hilton Head and renown for its historic character and scenic location. It has also been listed as a Top 25 Small City Arts Destination by American Style. Condos for sale in Beaufort are often quite affordable for military families and seniors.




Why Seniors Should Choose a Condo for Retirement

Condominiums, better known as “condos” are considered a great option for senior living. Condos are privately owned units within a building. It is different from an apartment, which is also a unit within a building but often owned and managed by a company – not the individual.

There are quite a lot of reasons why seniors have made condominiums their domicile of choice. This is where we will lay out the pros and cons of condo living, as well as some desirable locations in South Carolina.

According to several studies, nine out of ten seniors over the age 65 wish to remain independent and live in their own home. Unfortunately, with standalone homes, the overall costs of maintaining their home becomes onerous and not affordable, especially if they are living on a tight, fixed budget. Consider that standalone homes require lawn maintenance, repair, plus utilities and the cost of living. Proximity to neighbors or a helping hand may be distant depending on where they live too.

Condos can offer a multitude of options, from size, community, social activities and amenities, and more. They come in all shapes and sizes from high rise buildings to town homes; semi-detached houses, and even detached homes within a gated community that you can easily find all with condos for sale in Myrtle Beach, South Carolina. Many of these communities require their residents to be 55+ because they specifically cater to the aging population.

How does ownership within a building work?

Condos give full ownership to the individual who is buying it, even whilst that unit is within a larger building. Anything within the individual unit is the sole responsibility of the owner but the exterior maintenance is often provided by the community or HOA such as snow removal, lawn services and other yard maintenance. Communities often have shared amenities like a golf course or club house, pools, gyms and sometimes shopping centers.

Other Benefits to Living in a Condo

Affordable Prices for Condos

Condos generally cost less than regular housing by approximately $10,000. This can be attributed to lower lot prices or mortgage payments, savings on lawn care equipment, and if the condo was a step to downsizing, less in utilities.

Available Social Support

How scary would it be to fall and get injured, lying scared waiting for someone to show up – if they do? In condo communities, neighbors are generally closer and communal in nature. Neighbors and social club friends will likely notice someone’s absence and prompt a wellness-check.

Location and Lifestyle

Condos are generally located close to shopping, theater and other quality of life things like restaurants, stadiums, and hospitals.

Maintenance for Condos

This was previously mentioned but it’s high on the priority list – maintenance is one of the key motivational factors for moving into a condo. As people age, they don’t have the health, stamina or the wherewithal to keep up with lawn work. Let the young ones take care of that stuff.

Convenience with Accessibility

Many condos offer units that can accommodate wheelchair access, ramps, or even public transportation or community events and day trips.

Security for Communities

In many cases, condominiums are within communities that provide security. It may be in the form of guards, security cameras or emergency alert systems. Some have gated communities with someone at the entry to make sure visitors belong there.

What are some of the Cons of Living in a Condo?

Some of the biggest complaints about condo living stems from the rules and regulations so it is wise to do the research to see what those restrictions might be before purchasing a condo.

Restrictions or No-pet policy

Some condos have a no-pet policy while others have restrictions on the type of pets, how many, and even breeds that are or are not allowed. There are others that have lenient rules but it is important to ask first before buying. It would be terribly sad to choose between home and Fluffy.

Restrictions on Exterior

Many HOAs and condo communities have restrictions on how people may decorate their units on the outside. Flags, plants and even holiday lights may be restricted. Another thing to consider for the exterior may be a ban on barbecues or hanging clothes to dry outside. If decorating or using the outdoors of your unit is a big deal, read the fine print of the homeowner’s agreement.

Restrictions on Guests Stays

Most condos have no problem with overnight guests but there may be restrictions on long stays, sub-leasing, unaccompanied visitors to the pool and other amenities, and using the unit for rental services like VRBO and Air BNBs might be a no go.

Restrictions on Noise

In many senior communities, there may be a byline concerning noise. It could be a curfew, of sorts, where noise or social activities that may disrupt the peace and quiet has a time stamp on it.

There May Be Some Mandatory Fees

With condo living and all of the amenities, there is a good possibility that what is saved on a mortgage is being used to pay for access to those amenities. Check to see if there is an opt out or if those association fees are mandatory.

Condo living is not ideal for everyone, but it’s important to face the pros and cons of living this way.

Some of The Good Locations in South Carolina

Myrtle Beach

Home of one of the country’s tallest ferris wheels, Myrtle Beach is a destination for many vacationers and forever home for retirees. There are plenty of communities with condos for sale in the Myrtle Beach area that are close to golf courses, beachfront, boardwalks and entertainment.

Seabrook Island

There is a lot of history that dates back to the 1600s on Seabrook Island. In 2005, this island was incorporated and privatized, providing owners and guests such high-end amenities like a renovated equestrian center, golfing, and full-service clubhouse.

Beaufort

Beaufort is the second-oldest city in South Carolina. It is very close to Parris Island, the training home of many U.S. Marines. It is in close proximity to Hilton Head and renown for its historic character and scenic location. It has also been listed as a Top 25 Small City Arts Destination by American Style. Condos for sale in Beaufort are often quite affordable for military families and seniors.




Why Have a Realtor, What Makes a Good One and How to Pick One

By 2018, the number of houses sold by the owner had hit an all-time low of 7%. This is according to the 2018 Profile of Home Buyers and Sellers report done by the National Association of REALTORS®. 90% of sellers placed their homes in MLS listings such as Movoto. According to a NAR’s report, 87% of buyers used real estate agents to find a home. This article will discuss why you need a real estate agent, the qualities of the right agent, and how to go about picking one.

Why you need a real estate agent

Many sellers who decide to sell their homes themselves choose to do so because they want to avoid paying the listing agent commission. However, the benefits of having a real estate agent far outweigh the costs. You need a realtor because:

  1. They understand the value of your home in your area, and they know what kind of pricing is most lucrative to buyers. They help you find the balance between getting the most value out of your home while still appealing to the most buyers,
  2. They have vast market exposure. If you want to get a lot of eyes on your listing, get an agent. They have access to listing portals and professional networks, and they have social media presence and connections to other agents.
  3. They are objective. When you sell your house yourself, you can easily be biased about your home and highlight what you feel are the best features rather than what the market wants. An agent will show your home in the best light based on the needs of the market. They will also connect you with home stagers and photographers who will work together to highlight the amenities local buyers actually want. They will also receive criticism about the home (which you may not take well) and delicately deliver it.
  4. They know the paperwork. A good agent will guide you through the selling process, letting you know about all the necessary legal documents that you need. They will make sure that the documentation is done accurately and completely.
  5. They will help you with negotiations. Houses that are FSBO’s (For sale by owner) contribute to a lot of worries and are a lot of work for the owner. This is not the same case for a realtor because they are knowledgeable about the local market and the selling process. Consequently, they are better placed to negotiate well and propose reasonable counteroffers. Furthermore, they are good at spotting serious buyers eliminating the less motivated buyers.
  6. They are motivated to sell your home. Most realtors are paid on commission. They have to sell homes to get a commission. This makes an agent work hard to sell the home for you.

What makes an excellent realtor?

Not all real estate agents are cut from the same cloth. Some are closers, while others drag their feet. The following qualities make an agent great.

  1. They have a robust network of contacts. Who they know is very important. The connections a realtor has will help you sell your house faster. They can connect you to inspectors, plumbers, stagers, builders, and more who will help you improve your home before it sells. They know property developers keen to buy and flip houses. They know families that are looking for homes. Who they know is very important
  2. They have knowledge of the area. They can recommend the best prices for homes in that area. They know which features homebuyers in that area are looking for. They will quickly come up with the best strategy to sell your house in your area.
  3. They are charming and friendly. A rude realtor will not sell your home. Communication skills are essential, and you need a realtor who will charm prospective buyers into buying the home. Effective promotion of the property and the area will wake the house sell faster.
  4. They should be determined and work hard. Selling a home is no easy feat. You need a dedicated realtor who is motivated to sell your home.

How to pick a realtor.

You can ask for recommendations from friends who have sold homes in the area through agents. Alternatively, attend inspections and actions, make a list of eligible realtors then narrow them down. Factors to consider include their approach to potential buyers and how they sell. Inquire about their fees as well as how they handle the different aspects of the sales campaign. Ask about whether you will be paying separate marketing fees or if it is included in the commission fee.

Hiring a real estate agent the difference between a long drawn out and complicated stressing process and a hassle-free easy process. You will not have to deal with difficult buyers, hear scathing comments about your beloved home, or figure out the best counteroffer. The commission is just a small price to pay for the service you get.




Turning Your Home into a Real Investment

Whether you’re aiming to flip a property eventually, or you simply want to ensure that you have a valuable asset as part of your overall portfolio, there are plenty of reasons to turn your home into an investment. However, when it comes to investing in it, it’s easy to spend money on improvements that don’t actually translate to much value. Here, we’re going to look at some of the highest value transformations for the home and why they tend to be more valuable than most.

Image – CC0 License

The complete redecoration

You can score yourself some easy points by taking care of the little DIY projects that might otherwise sap the value from your property. Highly visible imperfections such as peeling paint, dirty walls, leaky taps, squeaking doors, cases of mould and the like should be dealt with long before the property hits the market.

Adding some curb appeal

Don’t underestimate the earning potential of major outdoor renovations. Taking on exterior improvements such as re-doing the drives and paths, adding exterior lighting, and investing in landscaping can all make it a lot easier to attract viewers, which can, in turn, drive up the overall value of the property. Practical changes, such as adding a patio and creating an exterior dining spot can add even more value, still. It pays to look outside, as well as looking at the inside.

Give it some space

If you want to see the single largest value addition to the home, then more adding more square foot the home plan in a very real way is the best method of achieving it. Working with a house design team, you can look at your potential for expansion. This might mean building a literal expansion onto the side of the home, but you can get an even more cost-effective improvement by looking at spaces you can convert, such as the loft, the garage, and the basement.

The two rooms that need a makeover

If you’re looking for renovations that don’t quite demand you add a whole new space to the home, then you might want to look more closely at what are considered the “high value” rooms in most homes: the kitchen and the bathroom. You should renovate whichever one needs an update the most, as a bad experience in either room can turn a buyer off of the home entirely. For the bathroom you could add a vanity or replace a built-in cabinet with vanity to improve the space, look, and efficiency. You can learn more at Unique Vanities.

Add a new heating system

The more energy-efficient the home is (especially if you have a boiler cover), the easier it is to heat, and the less costly it is to keep hot water running, the better. This might be as simple as replacing the boiler, but in older homes, it might mean taking a closer look at the piping throughout the property, as well as the radiators.

If you’re turning the home into an investment, think about what potential buyers are willing to pay more for. You don’t have to sell it immediately, but it’s always prudent to make sure you’re getting more for your home than you originally paid for it.