Author: tracy collins

Coronavirus is causing a Dramatic and Urgent increase in Work at Home Jobs

The coronavirus outbreak is an ongoing public health emergency of international concern involving multiple outbreaks of coronavirus disease 2019. It is caused by the SARS-CoV-2 virus, first identified in Wuhan, China. As of 2 March 2020, more than 90,000 cases have been confirmed, of which 8,000 were classified as serious. More than 70 countries and territories have been affected with major outbreaks in central China, South Korea, Italy and Iran. More than 2,900 people have died in mainland China and about 160 have died in other countries. More than 45,000 people have recovered.

And also, the coronavirus outbreak has been a major topic from all around the world. And you know with people and companies around the world being increasingly affected in a wide variety of ways. From events and travel being cancelled, not being able to buy certain products, schools and shops being (or preparing to be) closed, and more… it’s getting closer to home for many of us.

While many companies have work-from-home plans in place, most do not unfortunately. So given the massive scale of this outbreak and the impact it is having on companies worldwide, it’s an important time for organizations to evaluate how remote work can help them with emergency situations (such as this, as well as extreme weather events, security lockdowns, etc.). And in the case that you know of a company in need of some support or guidance, please feel free to tell them to contact our Employer team to find out the options.

Here is how to use remote work regards to Coronavirus

There are also major impacts happening on workplaces—specifically, coronavirus is causing a dramatic and urgent increase in remote working which kicked off with the “World’s Largest Work-From-Home Experiment” in China. To keep staff safe and companies in business, many employers are allowing—even mandating—that staff work from home.

CNN: Coronavirus could mean you’ll be working from home. Here’s how to stay productive.

Marketplace on NPR: Remote work is having a moment amid COVID-19 fears
Forbes: How Coronavirus Is Creating a Watershed Moment for Remote Work
TechRepublic: How COVID-19 is impacting job seekers and hiring managers
coronavirus is causing a dramatic and urgent increase in work at home jobs

 

 

Leana S. Wen is an emergency physician and a visiting professor at George Washington University Milken Institute School of Public Health. Previously, she served as Baltimore’s health commissioner.

I watched President Trump’s news conference about the coronavirus on Wednesday. This is what I wish I had heard him say:

My fellow Americans, I am here as your commander in chief to provide an important update about the new coronavirus, covid-19. If there were a terrorist threat to this country, I would be standing here with my top military leaders. This is a public health threat, so I stand here with my top public health officials.

As soon as coronavirus became an epidemic in China, my administration took action. We implemented a quarantine — the first time the United States has issued a quarantine in more than 50 years. We put in place travel restrictions so that we can delay the virus from getting to our country.

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Ways to Improve Your Credit Score

Your credit score can determine a number of things about you. Your credit score will determine if you can get the financing available to purchase a car, a home, and can even determine your interest rates. If you have credit problems you may not be able to get the funding that you need. If your credit score is not up to par you do not have to worry. There are some ways that you can improve your credit score and get the financing that you need.

When you get your credit score you need to look at all the accounts that you are paying on, both the current accounts and the ones that are in default. Thirty-five percent of a credit score is based on your payment history. You score also looks at the total amount of debt that you owe to all lenders. Credit score range from 300 to 850. If you have a 650 -700 you have what is considered to be fair credit. Below a 600 you poor or bad credit. If your credit score is over 700 you are considered to have a good credit history. If your credit score is over 750 you have nothing to worry about. The average person falls into the fair to good credit range. With the increase prices and the poor economy many people are finding themselves to have poor credit. There are some things they can do to improve their score.

Check Your Credit Report for Mistakes

After looking at your credit score you need to check your credit report for mistakes. One in five people have found errors on their credit report. You should check that all of your personal information is correct. All look at the creditors and make sure that you have an account with them. Also look at the dates of the accounts and the total amount owed to make sure this is correct. Your credit report will show missed payments. If you made a payment on time and it is showing up as late you need to write to the credit agency and explain this. If there are items from over a decade on the credit report you need to write to have these removed as well. Many accounts will only stay on the credit report for a period of 7 years. If you find a mistake you will need to file a dispute form. While this may seem like it will be time consuming once the error is gone you will notice that your credit score has improved. It it well worth the extra time and effort.

 

Pay Down Debt

To improve your score you need to begin to pay down your debt. Look at your credit card with the highest interest rate and pay extra on this account. This will help your debt from building up. You do not have to close any unused credit cards. This will not improve your score and is not a quick fix. When you are trying to improve your score do not open additional credit accounts or apply for a new loan. This will not help your credit but rather add to your debt.

Fix Late Payments

If you have made late payments on your loans in the past now is the time to get on the right track. Credit cards and other lenders now have alerts that can be sent to your phone and email to remind you that a payment is due. You can also set up automatic deductions from your bank account. You will need to plan that around your pay schedule. You can also ask some of your lenders if they are willing to forgive some of the late payments. Some can be forgiving if you have a good history of making other payments on time. This will allow you to improve your score. Be sure to make future payments on time. If for some reason you will not have the money to make the payment call the lender. They will be willing to accept a partial payment for the time or set up another date.

Clear Up Collection Accounts

If you have accounts in collection you need to get this cleared up. You can call the collection agency and see if they are willing to accept a settlement. You should also ask them if your settle your debt if they will stop reporting it to the credit bureaus. If you are going to make a payment and they are going to stop reporting negative history be sure to get this in writing.

Do Not Get More Credit

It may be appealing to get a discount when opening a store credit card but in the end it can do more harm than good. It does not matter if you are approved for the card or not it will still have an impact on your credit score. This is considered to be a hard inquiry on your credit and will have an impact on your score for up to one year. When trying to fix your score you do not need to add any more debt. If you find an inquiry on your credit report that you are not familiar with contact the lender and find out with this is all about. If you did not apply for the card you need to alert the credit agency as this can be a sign of fraud. This may also remove the inquiry from your credit report but it may take some time in order for this to get into effect. A soft inquiry will not harm your credit. This is done when a lender is looking to increase your line of credit.

These are some tips that will help you improve your credit score. You need to remember that your credit score will not automatically improve over night. It will take several months of making payments on time and paying down debt for the credit score to improve. If you start taking measure to fix your poor credit score you will see an improvement in no time and will be able to get the financing that you need as well as lower interest rates.

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Making Your Appliances More Energy Efficient—And Saving Money in the Process

As the world becomes more eco-friendly, things like recycling cans and reusing bags have become commonplace. These simple activities not only help people demonstrate their concern for the environment, but also give them the opportunity to make or save money.

However, there are plenty of other eco-friendly, money-saving lifestyle adjustments you can make that you may not be entirely aware of. For example, taking inventory of all the electrical appliances in your home and evaluating whether or not they’re operating at maximum efficiency could be the game changer needed to take you to the next level.

If you can make some simple changes when it comes to your appliances, you can significantly reduce the amount of energy that’s being used and therefore lower your electric bills. A simple walk-through of your home can result is less wasted energy and more financial savings.

So here are several things you can do to start saving electricity:

Maintain or Replace Older Appliances

If you regularly clean and maintain your appliances, you can increase the likelihood that they’ll work at maximum efficiency. For example, if your air conditioner has a dirty filter, it may not be cooling your room or home quickly enough. This means you’ll run the appliance for a longer period of time, sucking up energy and money. Or maybe the door of your electric oven has become misaligned from years of use and an unnoticeable opening releases heat. This means you have to run the oven longer to cook your favorite dish.

Enlisting the help of a professional service technician to perform an annual checkup on some of your bigger appliances, like washers and dryers, can reduce the operating costs of those appliances significantly—sometimes up to 20%. This kind of professional maintenance can also extend the life of the appliance and ensure it remains safe, even after years of use.

If you have any appliances that have been in use for 10 years or more, they are likely not working at their peak rate of efficiency. Consider replacing them outright. This could cut your electric bill in half.

Buy Energy-Saving Appliances

Speaking of replacing your appliances, be on the lookout for the Energy Star logo.

The U.S. Environmental Protection Agency has been operating the Energy Star program for more than 20 years. Energy Star certification means the appliance is more energy-efficient (and therefore cost-saving) than a comparable model without the designation. The Energy Star label is currently used in more than 75 different product categories.

Maximizing Your Refrigerator

Two very simple things will help keep the cool air inside your refrigerator. The cooler your refrigerator stays, the less it’ll need to draw energy to pump new cool air in.

First, don’t keep the refrigerator or freezer door open for longer than you actually need. Second, try to avoid opening your refrigerator door all the way—open it just enough to get what you want.

Maximizing Your Air Conditioner

Instead of turning your air conditioner on and off manually whenever you think you need to, it’s much better to establish what temperature is most comfortable for you and stick to it. That means choosing a temperature and permanently setting the thermostat at that level, so that the air conditioner can turn on and off on its own.

An air conditioner that kicks in as soon as the temperature rises too high only needs to cool the room or home by a few degrees, as a opposed to a human who might only get around to it when the air conditioner needs to cool the room by five, ten, or fifteen degrees. You can imagine how much more electricity is needed and how much more that costs.

Unplug Your Appliances During a Power Outrage

In the uncommon occurrence of a power outage, unplug all your appliances (like toasters and microwaves) and electric devices (like computers and televisions). Not only will this protect them from voltage surges when the electricity comes back on, this will decrease the demand on the electrical system of your power supplier. Voltage surges can cause permanent damage to your appliances and devices.

Bonus Tip: Use Energy-Saving Light Bulbs

If you haven’t already gotten rid of all your traditional incandescent light bulbs, now is the time to do so. While these types of bulbs emit the kind of warm glow that many people have gotten used to, they’re the most inefficient, energy-draining bulbs on the market. An incandescent bulb yields approximately 700 to 1,000 hours of use.

Here are come alternatives:

Halogen bulbs are a type of incandescent. Known for mimicking natural daylight, they’re at least 25% more efficient than a normal incandescent bulb. With an average lifespan of 1,000 hours, they’re mostly used for under-cabinet and pendant lighting. One thing to note, however, is that halogens cost more upfront than regular incandescents—though this is made up in energy savings over time. They also burn at a higher temperature, so caution is necessary.

Fluorescent and compact fluorescent (CFL) light bulbs are a whopping 75% more efficient than standard incandescent bulbs. They come in a number of shapes, sizes, and colors, and they yield an average of 8,000 hours of use. They’re perfect for the home (in rooms like the kitchen) and commercial environments.

LED light bulbs are hands down the greatest of them all. Not only are they at least 75% more efficient than incandescents, their average lifespan is more than 25,000 hours. They’re great indoors and outdoors, for decorative lighting and task lighting—pretty much perfect for anything. They also emit practically no heat, making them the coolest (literally and figuratively) light bulb available.

The Bottom Line

As you move towards a more efficient lifestyle, whether your concern is protecting the environment or saving money or both, paying special attention to your appliances (and light bulbs) will go a long way in helping you achieve your goals.

While there are plenty of more things you can do to flex your eco-friendly muscles, the above suggestions are a great place to start.

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Financial Freedom Summit

May 1st-3rd – St. Louis, MO – 2020


Money only matters if it helps you live a life you love. Join 50+ speakers who are living life on their own terms, connect with others on the journey, and take the next step.

Get Tickets

Connect, Learn, and Empower Yourself

Come participate in the first annual Financial Freedom Summit. Learn from experts, network with other attendees, and learn how you can achieve financial freedom. Nobody deserves to constantly stress about money. Discover how you can control your money and use it to design a life that you love.

Learn from experts

Attend 50+ sessions led by industry experts on topics including money, life, and everything in between.

Networking

Connect with the other 1000+ attendees who are also on their journey to financial freedom.

Take Financial Action

Learn how to create an action plan for your personal finances and take the steps needed to get there.

Speakers

Here is our list of current speakers for the Financial Freedom Summit with many more to come….

Grant Sabatier


Creator, Millennial Money & Author of Financial Freedom

Kristy & Bryce


founders, Millennial RevOlution & Authors of Quit Like A Millionaire

Vicki Robin


AUTHOR OF Your Money or Your Life

Jamila Souffrant


founder, journey to launch

J.D. Roth


Founder, get rich slowly

Julien & Kiersten


founders, rich and regular

Chelsea Brennan


founder, smart money mamas

Bobby Hoyt


Founder, millennial money man & LAPTOP EMPIRES

Rosemarie Groner


Founder, busy budgeter

Cody Berman


FOUNDER, fly to fi & the fi show

Jillian Johnsrud


Founder, montana money adventures

Chad Carson


Founder, Coach carson real estate

Doc G


FOUNDER, Diversefi & What’s UP Next Podcast

Rob & Melissa


Founders, Flea Market Flipper

Chris Hutchins


Ceo & Founder, grove

Naseema McElroy


Founder, Financially intentional

Scott Rieckens


executive producer, playing with fire

Vincent Pugliese


Author of Freelance to freedom

Kevin Ha


Founder, Financial Panther

Leisa Peterson


founder, Wealthclinic

Noah Bouillon


founder, Money metagame

Zeona McIntyre


Creator, Zeonamcintyre.com and airbnb expert

Justin Taylor

founder, saving sherpa and co-host of the fi show

Andy Hill

founder, marriage kids and money

Larry Hagner


founder, the good dad project

Alexandra Fasulo


digital nomad & Pro service provider on fiverr.com

Leif Dahleen, M.D.

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founder, physician on fire

Steve Adcock


founder, think save retire

Gina Horkey


founder, horkey handbook

Travis Hornsby


founder, student loan planner

Diego Corzo


founder, house hacking club

Craig Curelop


author of the house hacking strategy

Hadassah Damien


founder, ride free fearless money

Adam Carroll


founder, Mastery of money & the build a bigger life retreat

Lisa Harrison


founder, mad money monster

Bob Lai


founder, tawcan

Liz Gendreau


founder, chief mom officer

Kanwal Sarai


founder, Simply investing

James Lowery


founder, rethink the rat race

Schedule

Here is a glimpse at our current schedule. Check back here for updates or sign up for our email list to stay notified.

Thursday, April 30th

2PM – 7PM

VIP Arrival & Check In

7PM – 10PM

VIP Dinner Event

Presented by FinCon

 

Friday, May 1st

9AM – 11:30 PM

Opening Keynotes

11:30AM – 12:30 PM

Break for Lunch

12:30PM – 3PM

Understanding Your Relationship with Money

3PM – 5PM

Money Mindset Speaker Sessions

5PM –

Events TBD

 

Saturday, May 2nd

9AM – 11:30 AM

Money Tactics Speaker Sessions

11:30AM – 12:30PM

Break for Lunch

12:30PM – 3:30PM

Money Tactics Speaker Sessions (cont’d)

3:30PM – 5PM

Final Keynote

7PM – 10PM

Closing Party

 

Sunday, May 3rd

9AM – 2PM

Check Out

Get Tickets

Money Topics

Debt

Real Estate

Financial Independence

Side Hustling

Budgeting

Families & Finance

Geoarbitrage

Digital Nomadism

Frugality

Pricing

* The prices below do not include the cost of lodging, transportation, or food.

EARLY BIRD PASS

$247
(Only 200 tickets left at this price)

– All Speaker Sessions and Keynotes
– Financial Freedom Summit Workbook
– Welcome Package and Swag
– Closing Party and Networking Events

Get this pass

VIP PASS (Only 100 Available)

$797
– All Basic Pass Perks
– Thursday Exclusive VIP Dinner with Grant and Select Speakers
– Priority Seating in Speaker Sessions
– Speaker Session Video Recordings
– Access to VIP Speaker Mixer
– Lifetime Access to Financial Freedom Course

Get this pass

Sponsors

This event is possible because of our amazing sponsors. If you think your company is a good fit for the Financial Freedom Summit, click the button below for more information.

Become a sponsor

Where ?
Hilton St. Louis at the Ballpark
St. Louis, Missouri

Accommodation

We’ve secured special discounted pricing for the St. Louis Hilton at the Ballpark hotel for the Financial Freedom Summit.

Book now

Or call (800) 581-7151 and reference our group code of “FFE” to receive discounted rates.

What is the Financial Freedom Summit all about?

Whether you’re just starting your financial journey or a seasoned financial veteran, the Financial Freedom Summit is right for you. We have invited some of the best and brightest in the personal finance / life optimization space to share their thoughts on how you can use money to live a richer life. You will have a chance to network with 1000+ other attendees, take part in 50+ speaker sessions, and track your progress in the Financial Freedom Workbook that will be provided in your welcome package.

Need Help ?
Email us at
team@financialfreedomevents.com
if you have any questions.

Reserve Your Spot at the Financial Freedom Summit

Come join us in the first annual Financial Freedom Summit. Spots are limited. Reserve now to lock in your spot and gain access to the event at the lowest price possible.

Reserve your Spot, Today.

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Factors to Consider when Buying Penny Stocks

For the past few decades, investors were acquiring enough information without purchasing various penny stocks at a costly price. The procedure of assessing whether a stock has been underrated or overrated can be done with a lot of ease. This information will assist you in getting aware of the best way of choosing stocks. Therefore, read through this article as it will help you in determining the penny stocks that willl suit you most.

1. Good Projected and Current Profitability

When selecting stocks, there is a necessity of considering the financial fundamentals of a company, including cash flow, operating margins, and earnings. All these different factors will assist in the painting of a company’s reasonable picture and the possible profits both in the near and also in the long-term. On the side of the earnings, investors need to be considering thee earnings stability and the process in which they are trending. Besides, the margins operating at a higher rate will be far much favorable compared to low rating margins regarding measuring on how the company is running efficiently. As a result, there is a necessity of reviewing the figures of cash flow, in particular, the cash flow per given share.

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2. Favoring Asset Utilization

This is referring to the revenue ratio that is earned for every asset dollar that a company is owning. Besides, various rates will be favoring in multiple industries. More also, this is much similar regarding operation of margin since the asset utilization ratio will help in measuring the overtime efficiency.

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3. Capital Structure Conservative

The capital structure is referring to how a company is funding its various business operations by use of equity and debt. Besides, the conservative capital structure will be implying that a company marshal capital is characteristically high in multiple ways to create short-term liquidity with the goal of covering the operating costs. At the same time, it will assist in the reservation of adequate finance expansion without the necessity of improving the long-term debt

4. Earnings of Momentum

Recent or current earnings, many investors fixation, and nothing compared to company snapshots at any given time. For one to determine where the companies may end up heading. One needs to look for momentum earnings. The use of patterns demonstrates the acceleration or slowing of the growth earnings from a single period to the other one. The various models on penny stocks need to be checked through an examination of earnings reports in the last eight quarters. There is also reading of analyst projections for the sake of the coming earnings. After posting a company’s best profits in the previous five years, there has been an experience of lackluster, especially in the previous two years. Therefore, this may end up, resulting in an increase in competitive pressure.

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Conclusion

You now have the various factors to consider while purchasing the penny stocks. Therefore, there is a necessity of putting the information into consideration as it will assist you a lot in the process of buying penny stocks. As a result, there is the necessity of making your order today.

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Sony Xperia 1 Smartphone: Review

You know, you can immediately see what Sony is going for with the new Xperia 1 just by looking at it. It’s so tall and unique that it’s obvious that Sony wanted to make it stand out from the pack of Android phones. In a world dominated by Samsung and Huawei, Sony needed to give people a specific, differentiating reason to consider its phones. The alternative at this point is, well, giving up on phones entirely — instead of just mostly.

The Latest Sony Xperia 1 news – the easiest way to read news about the phones you really care about. … You know the Xperia phones finally landed Sony’s Alpha camera mojo. back on Mar 05, 2019, by Daniel Petrov. Sony’s promo videos for the new Xperia 1 paint it as an entertainment viewing beast. And you can save $200 on the Sony Xperia 1 (Available December 9 – 22, 2019)

And definitely you know that there are enough benefits to the Xperia 1’s super tall form factor to actually make you consider it, weird as that may seem. It’s a big phone that doesn’t feel like a big phone. Sony’s pitch for the Xperia 1 is about it being more “cinematic.” Sony claims it has a cinematic screen, color reproduction, and camera. Those are the non-phone things that other divisions of Sony are good at, but the company has never really managed to translate those strengths to mobile.

The Xperia 1 really is a great cell phone which truly stands out, but making a unique form factor is easy. Making a good, complete package is not. Credit where credit is due: Sony has done a better job of making a good high-end phone than it has in quite some time. But we shouldn’t grade on a curve here. The Xperia 1 doesn’t stand out in as many ways as it should — especially at a price of $950.

In my opinion the best thing about the Xperia 1 is you get plenty of the benefits of having a big-screened phone in a design that’s much easier to fit in your hand. The Xperia 1 has a 6.5-inch screen, which is huge even by 2019’s plus-sized phone standards. But because of the 21:9 aspect ratio, it’s significantly narrower than the competition. It’s almost precisely the same width as an iPhone XS.

You can definitely, capture stunning photos and cinematic footage with this unlocked Sony Xperia 1 smartphone. A triple-lens camera system and advanced autofocus technologies make it easy to take stable, detailed images and capture 4K videos. This Sony Xperia 1 smartphone has a 6.5-inch 4K OLED touch screen that brings out the detail in captured footage and streaming videos.

Qualcomm Snapdragon 855 processor

The octa-core processor and 6GB of RAM deliver outstanding overall performance for opening and running applications, flipping through menus and more.

Android 9.0 Pie OS

Adapts to you and the way you use your phone, learning your preferences as you go. Your experience gets better over time, and it keeps things running smoother and longer.

Compatible with GSM carriers, including AT&T, T-Mobile, and Verizon
It also works with GSM SIM kits, including Cricket Wireless, Tracfone, Net10, H2O, AT&T Prepaid, and Simple Mobile.*

4G LTE speed

This Sony Xperia cell phone provides fast web connection for downloading apps, streaming content, and staying connected on social media.

6.5″ 4K HDR OLED touch screen with 3840 x 1644 resolution

The extra-large screen is matched with a slim body to comfortably fit in your hand. The 21:9 extended display ensures easier multitasking and immersive viewing. Gorilla Glass 6 resists shocks and scratches.

12.0MP triple-lens camera system

Offers 21:9 cinema ratio, 4K HDR movie recording, and 2x optical zoom to capture details without losing quality. Also includes an 8.0MP front-facing camera for self-portraits and videos.

Motion Eye

Lets you capture slow-motion videos at up to 960 frames per second for staggering films.

BIONZ X image processing engine

Powerful digital image processing produces even more vivid colors and ensure contrasts are high.

Optical SteadyShot image stabilization

Keep your images free from motion blur with SteadyShot image stabilization.

128GB internal memory plus microSD slot

This cell phone provides plenty of storage space for your contacts, music, apps and more. Expand your storage by up to 512GB by adding a microSD card (sold separately).

This post is sponsored by Best buy

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You and Financing- What are your Intentions?

Give life to your project or idea. Quick! Quick!

Delancey Street helps entrepreneurs acquire financing through loans for their projects and businesses. The company focuses on countering finances as a stumbling block to commencement or continuation of business. When it comes to help, the company isn’t biased. It helps real estate owners and investors, entrepreneurs, small, medium and large businesses. You have an awesome business idea, YES, and you’re putting together the resources in order to make the dream a reality. However, if you do not create a solid corporate and good accounting strategies as you start up, you might be putting your entire business to drown before you can even ever get off.

The company makes a step of taking risks on focused minds that have an idea but need a financial partner. That is where Delancey Street comes in to help you in securing an opportunity and working towards seeing your enterprise grow. Be mindful as you do your organizing of the given loan. Understanding whether you have to operate as the sole proprietor, or partnership or even a private company, because they have different stated tax implications, also, each offers very different levels of the liability protection. Now it’s very important to understand the best structure to get for your business. This will help you benefit more from the given loan or financial support.


There are different types of finances offered here. They range from Bitcoin loans where the company lends money against the Bitcoin if you do not have capital. Other cryptocuurrencies can also work here. Reaching the company to know if your coins or currency can be used will help a great deal. Hard money loans are available. The company assesses you and the quality of your project and deal before processing a loan. Small business loans for those starting or seeking to expand their businesses are given at very competitive rates. Merchant cash advance are available within 24 to 48 hours. Venture capital is for those seeking private money. Creative financing is available to individuals with opportunities that are born out of creativity and look like a good performing business. Budget and track the expenses. Playing very fast and very loose with your checkbook can slowly get you into trouble in different ways. First, it will mess badly with your flow of cash, which is the main reason why many businesses fail. Also, when you lose track of what you’re spending, you could be greatly missing out on the valuable deductions for the business.

Do not queue at the bank. Stop wasting time!

Use technology to your advantage. Delancey Street is a site available online and you can check their website www.delanceystreet.com. On the homepage and on other sections of the website are lots of information on financing. Call the help line number in case you have queries and need clarification on the loans being offered. Tame your paper tiger and start keeping your finances very organized all the time by using an excellent accounting program such as QuickBooks. It is helpful once you acquire your loan. You wouldn’t want to misuse the funds and go drying. You’ll have very less financial organizing stuff to do during tax time, and you’ll likely reduce greatly on accounting fees if you’ll be able to hand over your digital file to the tax accountant. Also, consider using apps that can help you in organizing the receipts, the log mileage and tracking spending when you’re in your office or out.

Unlike banks and other credit facilities that take weeks and months to approve loans, Delancey Street is different. The company realizes that an idea or a deal can disappear when funding isn’t done fast. While the company strives to offer loans and funding for projects and businesses, they want to be a partner to make you feel secured. There are no limits to what the company can do for you. As long as your deal is viable, you can request for any amount. The company funds loans up to 90% LTV. Your property’s value is assessed and your business plan looked into keenly before making a decision of getting into business with you.

Benefit fully from your loan. How?

Many business owners or investors love to hear what rates their financer is offering. Their common goal is a low rate especially those with businesses that have short term loans or cash advance. The conditions on hard money loans are minimal. As a borrower, you have to fully satisfy a very short list or procedure. They are approved quickly especially if all the documents that have been requested by the lender are presented early enough.

Establish good bookkeeping practices. One of the biggest mistakes entrepreneurs make is ignoring all their financial management when starting off, either because of anxiety or they are overwhelmed or sometimes they think their business is meagre. Too small to warrant formal bookkeeping practices. They often forget that whether their businesses flourish or close they still have to service the loan. Putting prior measures to ensure you know how all the money from the loan is used will be the first step to success in your business. However, the earlier you’re able to rise and establish very good practices, then the less likely you’ll be to rack up the penalties, your interest, the late fees and any other unnecessary expenditures. All these consequences of bad bookkeeping or failure to keep records are hefty. Finances used to settle the penalties and fines can be used to improve your business.

Above all remember! Product-Market fit is the cornerstone for your business sustainability. Iterate here until you have it right! Starting a business is a noble thing. But it must be based on strong fundamentals for it to be scalable & sustainable. To get it right, some thought process is involved and definitely market research is needed to back it up. Proper planning on your target customers who are the main team that keep your business alive is crucial. You might end up starting a business with a loan from any of the microfinance firms or banks and fail to scale in business. No financer cares about your loss. They all care about you servicing the loan to the last dime and even taking more from them. It is time to think thrice about your move.

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Cryptocurrencies Are Becoming the Go-to Option in Society

In recent years, the popularity of cryptocurrency has augmented around the world. It does not seem like this is going to come to a halt anytime soon. Every day, there is always a new headline regarding it. People from all walks of like are reaping the many benefits it provides. A lot of economic experts have referred to it as the wave of the future. Numerous major banks are supporting it. “We have always believed in the potential of blockchain technology and we are supportive of cryptocurrencies as long as they are properly controlled and regulated,” said JPMorgan CEO, Jamie Dimon.

Cryptocurrency Regulation

There has been question about the regulation of cryptocurrencies, hence why governments from different countries have engaged in them in order to establish order. So far, everything appears to be moving in orderly pace; nonetheless cryptocurrencies go hand in hand with technology; thus, continuous analysis of them is vital.

Popularity of Bitcoin

The potential of cryptocurrency keeps rising every day. There are a variety of different cryptocurrencies available, Bitcoin being the most popular one. Even so, there are others catching up, including Litecoin and Ethereum, hence why different online ecommerce platforms that are currently accepting Bitcoin as a payment method are considering the integration of other cryptocurrencies, including the ecommerce giant Overstock.

Even so, it is important to highlight that Bitcoin has its down moments just as any other type of currency. “I do not think people should be surprised if that happens, but doesn’t really change the historical outlook or the long term outlook,” said the founder of Morgan Creek Digital Assets, Anthony Pompliano. Regarding its price movement, Pompliano went on to express “We tend to think that the work done today is going to lay the groundwork for the price movements moving forward over the next two to three years.”

Peer-to-Peer Bitcoin Trading in African Economies

Lately, there has been peer-to-peer Bitcoin trading to bootstrap African economies. Out of all the generations in Africa, millennials are the ones who are currently driving cryptocurrency adoption. The chief executive officer of Paxful, Ray Youseff said “The adoption of Bitcoin across the globe reaffirms our belief that crypto will take an important position as a mainstream financial system in African countries.” He continued saying that this has been the case for other financial tech innovations, such as mobile money. According to him, Africa is leading the peer-to-peer financial revolution.

Cryptocurrencies Are Becoming the Go-to Option in Society

Bottom line is that cryptocurrencies in general keep garnering the attention from both the media and public alike. There are more financial companies taking them into account to integrate them into a variety of different services they offer to the public. Their transition from unknown to mainstream has occurred rather quickly. Cryptocurrency has become the go-to option for millions of people around the globe, and everything indicates that it will become the favorite for most people in the near future. It is safe to conclude that cryptocurrencies are here to stay.

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How To Find Penny Stocks To Invest In and Trade

Do you know that investing in penny stocks is commonly associated with well-known companies such as Google? As a trader, you should never rely on the blue chips if you really want to make money. Over the years, they have been revealing a whole world of investment opportunities.

What are Penny Stocks?

In simple terms, these are stocks of companies that trade with the extremely low share price. In those cases, many don’t understand how they can trade them and see them rise ten or even more times. As an investor, you should know several factors that have been known to affect the stocks trade in the past. Here are the most common factors that you should consider before investing in penny stocks.

Share price and valuation. There is no doubt that share price is the major contributor to market capitalization. Usually, these stocks are considered as micro-crap. What does this mean? They have extremely low valuation which is not a bad thing.

Beware of dilution. When does dilution occur? In most cases, such occurrences happen when numerous and outstanding shares increase rapidly. You should avoid buying stocks from a company that had several of its options exercised. In addition, don’t attempt to buy penny stocks from a company that has been issued lots of shares.

The process of finding great penny stocks and later trading them doesn’t have to be a tedious process. If you have been wondering how to find penny stocks to invest in, then you are in the right place.

Setting up a Stock Scanner

Are you sure that thousands of penny stocks are traded each day in the USA? With that in mind, it is quite a crucial method to locate the trades with the highest potential. You will easily discover good penny stocks if you have the right scanner. It depends on your trading preferences. You will come to realize that in most cases traders look at news stories and also volatility spikes.

Clearly analize Chart Patterns

There is no doubt you want trades that will give you great opportunities. You have the full freedom to risk the smallest amount of capital so that you can gain in future. In order to be successful, most readers rely on chart patterns. What does the chart pattern entail? It is all about price and volume patterns. They will give you clear insight of other traders who are deeply involved in the trade. When you view all these patterns, you will be able to identify all the areas of greed and also excitement.

Choosing Indicators

Different traders will give out different answers if asked on how they pick penny stocks. While some of the most successful traders start with chart patterns, others prefer starting with technical indicators. What is the main role of technical indicators? They show deeper insight into the action of the chart. When price and volume data are manipulated, these indicators will show lack of volatility and recent strength.

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10 Ways To Trade Penny Stocks To Retire Early

If you desire to make sell stocks but you do not a lot of money which you can risk, then you can start with penny stocks. It’s an easier activity which can be fun and can enable you to make a lot of profits. There are so many ways on how you can sell penny stocks to retire early since you would make a lot of money, some of them are:

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1. Learn how to avoid dangers

Before you start selling the penny stocks you should learn how you can avoid many of the dangers which are involved so that you cannot all your capital. You can succeed in this area by understanding the stock market and the underlying companies. You can also research on the internet on how to trade penny stocks and retire early.

2. Do your homework

It’s good that you get tips from other successful people, however, you should never buy penny stocks because of the advice that you received. Just do your own homework since no one will tell you when you are supposed to sell them. While you are doing your homework ask yourself the following questions.

i) How much profits can you make?

ii) What makes the idea of penny stock selling to be interesting?

iii) How much money are you ready to lose at the moment?

3. Choose a winning strategy

One thing which can make you make loses is when you keep jumping from one trading strategy to another. In case you wish to get a lot of profits then you should choose a good plan and be able to stick to it.

4. Be careful of short selling

Short selling refers to when you borrow shares from a broker so that you can sell them. So many people so that in future when the prices go down in future, they can buy back the shares and return to the broker. When you short sell, you will be betting that the price will decline, however it can be a bad idea. This is because many brokers doe charge extra fees for short selling penny stocks.

5. Get the best broker

A good broker can assist you when you are trading the penny stocks. He/she can execute the penny stock trades without charging you a lot of fees. Also, he/she can offer various penny stock trading tools such as portfolio management tools and charts.

6. You should not allow your emotions to control you

The penny stock market does not have emotions, therefore you should also not have emotions such as fear or greed. Successful penny traders can control their emotions and move on. If you encounter loses one day you should not be discouraged since you can lose a lot of money by being emotional.

7. Never listen to company management

If this dubious world, you should not believe the information that you hear from companies. This is because many of these companies are trying to increase their penny stock to stay in business and make money. Therefore you cannot get an accurate date or reliable business model.

8. Focus on penny stocks which have high volume.

When you enter the market you should stick with penny stocks which trade more than 100,000 shares in a day. Trading in stocks which have a low volume you can achieve your target easily of getting money and retiring early.

9. Do not trade large positions

You should be careful with position sizing since experts advice that you should not trade more than 10 % of the daily volume of your stock. Also, limit the size of your shares so that you can sell your stock faster.

10. Use fundamental analysis to reach your target

Many people when they are trading penny stocks they use technical analysis and forget the fundamental analysis which is also important. Fundamental analysis involves the analysis of the financial ratios, financial statements and market of the company to predict the stock movement.

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