Blog Blog Copyright by en Tue, 29 Nov 2022 16:53:07 -0500 How a Buyers Advocate Can Save You Money When Buying a Property A buyers advocate is an agent who can represent you in a real estate transaction. The fees charged by a buyers advocate can be tax deductible. They can also help you negotiate a lower price with their contacts, but also the service extends beyond securing that home for you such as recommendations to local removalists, architects or tradesman. No matter what your plans are after you have secured the home. Read on to learn the benefits of hiring a Buyers Advocate.

Choosing a buyer's agent

A buyers advocate is a real estate agent who works for you and negotiates on your behalf. An advocate is an excellent negotiator and can help you secure the best price and terms for your purchase. They can also teach you the ins and outs of buying a property and the house hunting process.

Choosing the right agent for you will help you save a lot of time and money when buying a property. Not many people have the time to go to a lot of open houses and consider all the different factors involved in buying a home. Instead, most people end up making a half-hearted decision. When choosing an agent, make sure you choose someone with proven experience. In Canberra, where the median house price is $1,154,000 a buyers advocate typically can cost 1 to 2.5 percent of the sale price. But if they can save you $50,000 through negotiations. That would be money well spent and money you can spend elsewhere such as on Canberra removalists or tradesman when it comes to settlement time move in.

Buying a property is one of the most important decisions you will make in your life. A buyers advocate can ensure that you get the best asset for your money and avoid paying over the market value. In addition, a buyers advocate can be a great resource for both buyers and sellers.

Tax deductibility of buyer's agent fees

Depending on the circumstances, a buyer's agent's fees can be tax deductible when buying property in Brisbane. A Brisbane buyer's agent usually charges 2.25% of the property price, but this can be reduced to zero by deducting the upfront deposit of $3,000 that is paid to the agent. This upfront deposit is also deductible from the final purchase price. However, not all buyer's agents are equal.

The Australian Tax Office (ATO) is increasing its scrutiny on the humble property investor. Buyer's agent fees may be deductible when buying an investment property, but not when buying a dream home. A buyer's agent can also be included in the cost base of an investment property, thereby reducing the profits that a seller will have to pay as capital gains tax. This can save a buyer thousands of dollars in tax.

While buyer's agents are not regulated in Brisbane, they do charge a fee for their services. Their fee varies, depending on the services that they provide. The fee can be as low as $500 plus GST per auction. Buyer's agents may also charge a flat fee of $6,500 to $18,000 for their services.

Negotiating a lower price

When you're buying a new property in Brisbane and you are from interstate, it's important to understand how to negotiate for a lower price. As you know, the median price of a home in Brisbane is increasing by about one per cent each year. This means that you can get a great property at a lower price than advertised. It's also a good idea to get a building and pest report, which is important because older properties often have problems. These problems can be used to negotiate a lower price, even after the contract is signed.

You should also know your competition. This may not be possible if you are not from Queensland and therefore If the property, you are interested in has a high price and located interstate, consider using a buyer's advocate to help you negotiate a lower price and can provide you with important inside information including referrals to other services you may need following the transaction including an interstate car transporter to move your car if needed. These agents are experienced negotiators who can help you get a better deal for your property. They can also teach you about the buying process and house hunting which is invaluable information for any property investor’s journey.

Benefits of hiring a buyer's agent

Hiring a buyer's advocate can be a great way to reduce the stress and time involved in buying a property. As many Australians live busy lives and travel frequently for work, building a real estate portfolio can take a great deal of time. A buyer's advocate can help you cut down on the time spent on the transaction and identify the risks and pitfalls of purchasing a property.

A buyer's advocate has a wealth of knowledge about the market and has connections to mortgage brokers, conveyancers, and property inspectors or a rubbish removal service. Often, they can find better deals and negotiate on your behalf. These professionals also keep up to date on market trends, so they'll know what to look for in a property and how to get the best deal.

Hiring a buyer's advocate is a great decision for buyers because an agent can level the playing field and ensure you get the best possible price. They know the ins and outs of the local market and can avoid letting you get caught up in the emotions of the moment. And, since they'll have access to every property on the market, a good buyer's agent can get you access to hidden sales.

Uncategorized Editor Wed, 16 Nov 2022 08:12:44 -0500
A Professionally-Generated Example Paystub: What It Features What does a paystub look like and what does it need to contain in order to meet all legal requirements? Looking at an example answers those questions and gives you some additional useful information. Finding a legit example you can count on depends on several things.

A good example paystub can be generated via an online platform or another kind of software, as long as you understand the legal requirements and you have sufficient personalization capabilities. To assess platforms effortlessly, check out the example below and the types of data that are required by law.

What a Paystub Example Should Feature

While certain fields can be omitted or added depending on your preferences, certain types of information should always be featured in a paystub:

  • Employee name and information
  • Company name and information
  • Hours worked and hourly rate or fixed pay
  • Gross pay
  • Net pay
  • Deductions and taxation information (taxes – both state and federal), voluntary contributions
  • Employer contributions
  • Overtime pay, sick leaves, vacation days

Other Fields

The types of information mentioned above are the must-haves.

In some instances, however, you could be looking for additional elements in a paystub example. These can be beneficial for branding, making the information more accessible for your workers or making sure that your database is organized in a way that meets your criteria.

So, when looking at a paystub example, you may want to have it featuring a couple of elements like:

  • Some space to display your company logo or other branding elements
  • A quick summary that highlights the most important takeaway from the paystub for that respective period
  • Rate categories for different kinds of hourly work
  • Information on insurance premiums (usually not required by law but can be quite beneficial for workers to see in the document)

The Complexity of a Paystub Depends on the Size of Your Business

Generally speaking, a paystub’s complexity depends on the size of your business.

Usually, small and mid-sized businesses have fewer mandatory fields to include in their employee paystubs.

Thus, it’s a good idea to look at examples that correspond to your company’s parameters before using those to base paystubs on.

A simple paystub usually contains only the mandatory fields like:

  • Gross wages
  • Deductions
  • Employer contributions
  • Net pay

And that’s it. You don’t have to get things more complicated than that unless you’re required to feature other kinds of data by law. So, do check regulations and make sure that you’re ensuring compliance with the types of documents that you issue for your customers.

These are some of the paystub best practices to focus on and to base an example upon. Once you find a good example, you can use it to create identical paystubs. They’ll meet local legal requirements and they’ll also be beneficial as far as retention and archive maintenance go.

Good examples of paystubs can be generated both via free and paid-for software products. If you’re not confident about the quality of an example that you’re looking at, do consult a professional. Accounting and HR experts can guide you through the essentials and even guide you towards the types of paystub examples worth checking out.

Uncategorized Editor Thu, 20 Oct 2022 00:05:22 -0400
Bank Collection Software Increases Asset Recovery For Credit Unions and Financial Institutions

In recent years, business owners and personal debtors have started to use more credit.

With the increased influx of credit usage, state and federal regulations compelled banks and credit unions to automate debt and asset recovery. This is where debt collection software helps lenders make significant strides in improving their operational efficiency.

Bank collection software has brought a revolution to asset recovery. Tasks like payment reminders are done automatically, allowing debt collectors to prioritize more pressing matters. This can increase debt recovery by several times, reducing bad debts and making your Profit and Loss statements look better.

Automated Asset Collection Management System

An automated debt collection management system uses technology to streamline and automate the more mundane and repetitive tasks that do not necessarily need human intervention. Collectors (a bank or credit union lender) use debt collection management system to:

  • Maintain proper order and manner of collection steps through task lists
  • Make it easy for the collectors to track customer credit and account process by way of simplification
  • Provide detailed information about the entire debt collection and payment process
  • Flag the absence of a mandatory management step

How Banks Use Collection Software For Increased Asset Recovery

With the advent of state and federal regulations, banks and credit union collectors are required to abide by debt collection rules. By using automation and AI, lenders and collectors can comply with these rules and enforce recovery actions better.

Banks use AI to perform tasks like making calls to notify debtors based on their status and history while maintaining a relationship with them. Human error throughout the process is non-existent, as the AI keeps detailed case reports and tracks the completion of the collection process. These reports are entirely digital, eliminating the possibility of being mishandled or missing paper documents.

Moreover, the software can be customized to suit the needs of any individual organization. No institution will have to spend an extended period of time adjusting to the system, as the software will do so for them.

Features Of Automated Debt Collection Software

Some key features of debt collection software that streamline the debt-collecting process and make it simpler and more convenient for the lenders are:

  1. Automated Workflow

The routine task automation mentioned earlier is one of the most elementary features in a debt collection software. The workflow can be set up with a multitude of options to cater to any set of rules.

  1. Easy Integration

Automated debt collection software is often compatible with most banking software and can be tweaked accordingly. The ease of integration is a much-needed feature in any collection software, decreasing the time required for any system to fully switch to automation.

  1. Better User Experience

Simple user experience is key to any debt collection system, as the software must have universal usability to ease the users through the process. A clear-cut outline of the staff’s targets and case list makes team management easier and clarifies any issues they may have.

Functions like automated task lists for credit types further improve the flow of the process, streamlining it for both the staff and the customers. The software also provides 24/7 support and maintenance for added user convenience.

  1. Customizability

A software allowing the staff to use customizable queues and filters will help them create the workflow that maximizes their efficiency. Searching and segmenting cases through custom queues will shed light on the trends within a community for the bank or credit union.

Benefits Of Automated Debt Collection Software

Here’s how debt collection software revolutionized the process of asset recovery:

  1. Efficiency

Debt collection software, web-based or on-premise, create a better and more efficient work environment. This benefits both the debtors and the collectors, as the reduced work performed by the latter means they can focus on the former well.

A study conducted by the Aite Group predicted that 43% of banks will have integrated AI in one form or another by 2021. As of April 2022, their prediction has been proven correct, with nearly 40-50% of the banking services using AI in their processes.

  1. Increased Customer Engagement

Automated bank collection software increases customer coverage with fewer agents involved while ensuring faster recovery. Non-priority queries are handled by collections bots, while agents attend to more pressing questions, improving customer engagement by up to 30%, as shown in a study by Forrester.

  1. Reduced Operating Expenses

Improved debt collection strategies formulated with debt collection software in mind can save a lot of time and operating costs for the bank. As described in a study by the Boston Consulting Group, AI integration can help banks reduce operating costs by up to 50%.

  1. Real-Time Monitoring Of Compliance Status

Automated collection software ensures that the banks comply with FDCPA, TCPA, and other banking system policies, preventing any overstepping of the rules. This, in turn, helps to streamline the compliance process as well.

  1. Greater Revenue Recovery

The bank’s staff are able to utilize the software and maximize debt collection with the information it provides. With this, the time agents need for researching and verifying any given collection data is reduced drastically. This, in turn, keeps the collection smooth, timely, and efficient. Debt collection software keeps track of these expenses and ensures that reminders are sent and payments are collected in a timely fashion.

A study by McKinsey has shown that approximately one in 10 American households have incurred credit card debt of more than $10,000. Moreover, the average American citizen spends $1,292 annually on interest payments.

  1. Reduced Expenses

Web-based debt collection has become critical in keeping the process going smoothly. It allows employees to work from anywhere and the software maintenance and updates take less time.

Moreover, web-based software is often lighter on the bank’s expenses than the on-premise versions, simply because the former incurs no server charges. Web-based software allows debt collection to continue without a hitch, conserving the institution’s resources in the process.

Debt collection software is crucial for a financial institution to recover with greater efficacy and compliance as quickly as possible. One of the most important aspects of the software is the ability of the institution to reassign their agents to more revenue-focused tasks.

Automation can multiply the number of clients and accounts a financial institution is addressing at any given time. The benefits it brings to a bank is invaluable and the rising number of institutions adopting it is a testament to that.

With the features they bring, automated collection software looks to be the future of asset recovery processes.

Uncategorized Editor Fri, 30 Sep 2022 07:07:28 -0400
Can I Borrow Money Against My Structured Settlement? Some individuals inaccurately use structured settlement loan terms when the real transaction is actually selling your future annuity payments for a faster discounted lump sum. You may need to access future structured settlement payment value, which you would typically do by selling future payments to a company that specializes in this type of transaction.

If you file a suit and the opposing party agrees to settle the matter, two settlement options you might receive are structured settlements or a lump sum. With lump sum settlements, you will receive all the cash at once. Structured settlements pay the value of the settlement by way of periodic payments typically through an annuity over time rather than a large lump sum.

At times, individuals with a structured settlement find themselves in need of cash faster or in a greater amount than what their annuity has scheduled. They might need to tap into the value of the future structured settlement annuity payments. There are several approaches you can consider, all of which will pay you less money than what you would’ve received had you taken your normal annuity payments over time.

How Structured Settlement Selling Works

To sell annuity payment that you would be receiving in the future you will have to go through a bit of a process. You will start by reaching out tocompanies that buy structured settlementsalso called factoring companies. Typically, their team will respond to you within a few hours to have a conversation and figure out if they want to make you an offer for your future payments. If they decide to make you an offer and you are comfortable with it and with the company’s reputation you can move forward with the deal. In order for the sale to be executed it will require court approval in order to ensure that a judge reviews the deal to help make sure it is in the annuitants best interests.

Because this is a sale of the future payments and not a loan or anything of that nature, you will not need to prove your credit to get funding. The structured settlement companies will be competing for your business.

Pre-Settlement Loans

Some companies will provide loans to individuals who have not yet settled their suit but are in need of money now. However, these loans are typically non-recourse which means if they do not win their case and there is no settlement, then the loan/advance does not need to be paid back.

The company providing the advance will look at the details of the case and extend an offer based on their forecasting of how the case will settle.

Why You Can’t Use Structured Settlements as the Collateral

Almost all banks avoid making loans with future structured settlement as a form of collateral. Reason being the only way they could take possession is to go through the same future payment rights transfer as a “normal” structured settlement sale and have it approved be the courts.

Closing Remarks!

Cashing out structured settlements by selling some or all of your payments for a lump sum is one way to access some amount of cash for emergencies or major life expenses, including home purchases and college tuition. So, if you have financial emergencies, you can always try to sell your structured settlements to sort out those issues.

Uncategorized Editor Wed, 24 Aug 2022 10:06:25 -0400
5 Financial Strategies To Improve Your Medical Practice’s Profitability

Strategies to keep your medical practice profitable

The goal of any medical practice is to maximize its profits. The most direct route to boost profits is to get services and pricing right. This strategy can boost sales far easier than trying to increase patient volumes. Here are five critical strategies that will improve your medical practice's profitability.

1.    Work on an Employee Retention Strategy

Turnovers can be extremely costly to medical practices. You will incur payout costs and recruitment costs when staff leaves your practice. You will also have to incur direct and indirect costs as you train the new employees.

Never forget that your employees come first. They are your greatest asset. Provide them with fair salaries and be open to making concessions that will make them happy and comfortable. If the employees feel appreciated then they will remain longer in their jobs.

2.    Find Capital Drains

A close examination of your medical practice's expenses will reveal areas you're overspending. For example, you could be overspending if you renew your property lease without checking whether you qualify for any lower payments. Another area to pay close attention to is utility bills. Hight utility bills could be an indication of excess energy consumption. This could be caused by computers, machines, or ACs being left on overnight or throughout the weekend.

3.    Organizational Restructuring

One of the key wastes in any facility is motion. Waste due to motion results from the unnecessary movement of people, machinery, or equipment. In any medical facility, practitioners move around a lot treating patients and sorting payments.

Inefficiencies caused by such wastage can result in patients waiting for hours to be seen by the doctor. These patients likely won't come back to the facility. If patients' records are constantly being lost then they will surely move to a new practice.

Before restructuring the processes in your practice, identify areas where there's inefficiency. Seamless organizational processes will ensure quick closure of tasks and free up your time to see more patients.

4.    Adopt a Practice Management Software

Adopting a practice software system can help streamline operations in your practice. This system can help in keeping patients' data organized. The system can also enable easy file sharing between employees in the organization. Employees can have various access levels hence sensitive patient information is safeguarded.

Accounts teams also have an easy time billing. In other practice software, patients can schedule online and even access their treatment records.

Despite the initial installation cost, practice management software can help speed up treatment processes. Finally, it can help in minimizing costly errors by limiting human intervention.

5.    Keep an Eye on your Fees

Always remember to increase your fees as the costs in your medical practice increase. Slowly raise your fees to match rising business costs to ensure you maintain your profit margins. You’re actually not overcharging your patients for the sake of increasing profits. This is so as to ensure your practice stays afloat.

A keen and analytical mind is necessary when looking for strategies that may boost profits for your medical practice. You need to analyze all processes that may be causing inefficiencies and restructure them. A practice management software will streamline all operations and make time for you to see more clients.


Naomi Olson [Website TwitterHeadshot]

I am a CFP® (Certified Financial Planner).

I have a severe phobia of bridges and dirty balance sheets.

Hobbies: blogging, meditation, and loving Bull Market (my dog).

Uncategorized Editor Tue, 28 Jun 2022 05:03:21 -0400
How to Evaluate Structured Settlement Buyout Offers A structured settlement is a payment a person gets after winning a claim for things like an accident, medical malpractice, or worker’s compensation claims. It is called structured because the court regulates it, and you only get a certain amount for a specific period. This settlement is future protection and keeps the recipient in a safe financial position, should there be costly circumstances resulting from the injuries.

There are many reasons why you may want to sell your payments to structured settlement companies. It could be that you lost your job, want to buy a new house, marry, or start a business, but you do not have enough money. Here is how to evaluate the buyout offers you get from buying companies.

It’s vital to evaluate the offers you get from buying companies and choose the best. You will not receive the exact value of your settlement, but selling can be an ideal decision if you are in dire need of cash. Make sure you have a genuine reason for selling your structured settlement. Companies like We Pay More Funding buy structured settlements, but you need to carefully evaluate offers to get something close to the worth of your settlement.

  1. Shop Around

It is crucial to find the company with the best ratings. Instead of running to the first offer that comes, look at the online reviews coming from prior customers of the companies to get a gauge of how you will be treated and paid out. You can then factor in different elements to determine the best offer. While at it, keep in mind that you will have a short period before you are penalized.

  1. Get All the Information Upfront

The selling requirements vary by state. Take some time to learn the rules in your state regarding structured settlement sales. This is one crucial thing that will help you learn the costs of selling the settlement and which offer is the best to cater to these costs. Check on the timing and the fees. If you are using a broker, ensure they will pay the fees.

  1. Get an Attorney

The good thing about using a lawyer when selling your settlement is to help you understand the restrictions, consequences, and costs of selling the benefits. The professional will help you understand the impact of your financial future once you sell. If you agree, they will help you plan and execute the sale. The expert is also vital when evaluating offers. If you want to get a good offer, work with a lawyer who has dealt with such transactions before.

  1. Know the Buyer Well

It is best to choose an offer from a company that has been in business for several years. Make sure the company is financially sound and able to cater to the payout. This is a vital step if you want to get the full offer.


If you have decided to sell your structured settlement, make sure you take some time to evaluate your offers. The cash you get will help cover vital things like buying a house, education, investing, or any other critical needs. Collect quotes from several companies and scrutinize the buyer well before selling.

Uncategorized Editor Fri, 17 Jun 2022 00:26:13 -0400
How To evaluate the Most of The Booming Housing Market  As a homeowner, you would like to sell your house at a reasonable price, but you should know the economic state affects the housing market. The demand also dictates the house price, determined mainly through available supply. With high demand for houses and low supply, you will find the prices of houses going higher and increased rent, which might leave other people homeless.

Since your house is immovable, the law of supply and demand applies, and here is the economic theory that dictates the price you will sell your house in your region and decide if the best time to say, "let me sell my home fast."

Demand And Supply Of Real Estate

Like most markets, the housing market depends on the supply and demand chain. As the seller, you may place the house for selling, but it is up to the buyer to buy or reject your offer; on the other hand, where there is a low supply, your house may have multiple buyers trying to outbid one another by offering high prices. And you have to choose the highest bidder.

 A state will have high house pricing when there are good quality properties with an inadequate supply, and when there is a surplus of properties in a weak economy, the properties will be in low demand; hence the house prices will fall.

Factors that Affect the Housing Supply and Demand

Measuring the value of supply and demand in the real estate market is difficult simply because it will take quite a long time to build new homes or renovate the old ones. What makes it trickier is that it takes longer to sell homes than any other products in the other industries.

Lower interest rates in the financial sector can influence the house price. Low borrowing costs will make many people take loans to finance housing since the interest rates won't burden them. The more there are many buyers in the market in a limited housing supply, the higher the prices because of increased demand.

Although the supply of houses is primarily constant, it may go higher when many people are moving to avoid downsizing or moving to bigger houses or after purchasing their homes. Similarly, there might be an increase after constructing new houses, adding to the existing ones.

A natural disaster like floods and earthquakes may cause a sudden decrease in housing inventory or when people's houses are demolished in significant numbers.

 How the housing market crashes

 An economic recession that leads to a financial crisis can crush the housing market. When there is no law of demand and supply, the housing market will crash. In 2007, there was a collapse in the housing market that led to an oversupply of houses in the market, which decreased the property percentage.


Real estate's economic factors go around the supply and demand of the houses in the market. The law of demand and supply makes sellers and buyers interact, so if you are in a town that has a higher demand for houses, you might sell your home at a higher price than when you are in a town with lower housing demand.

Uncategorized Editor Mon, 13 Jun 2022 23:41:56 -0400
What Is the Workplace Pension and How Does It Work? Nowadays there are many types of pensions available in the UK, among these the workplace pension is one of the most common. It can be called occupational pension or company pension, too and it consists of a savings scheme in which your employer will also contribute. As a matter of fact, all British employers are currently required to contribute to their employees’ future by depositing a minimum amount every month, which will help you build your pension fund. The government will also contribute to your future through tax relief. Essentially, by choosing to open this particular kind of plan, your employer will help you build your retirement pot by paying you a little more. Of course, this way you’ll have to raise your contributions too. By opening a workplace pension, you won’t be able to access your money right away. In fact, the retirement age in the UK is currently set at 55, once you reach that age you will eligible to access and withdraw your money. There are two different kinds of workplace pension British citizens can choose: defined contribution pension scheme and defined benefit pension scheme. By choosing the first one you’ll have to deposit a percentage of your salary and your employers will have to contribute as well. The money deposited will be later invested by the pension provider. Keep in mind that, just like any other kind of investments, your money could grow but could also go down. The latter, the defined benefit pension scheme will grant you a pre-defined amount once you reach the retirement age. But how to know how much you’ll get? The amount will depend on how many years you’ve worked.

What are the other types of pensions available in the UK?

UK residents have a great choice regarding the kind of schemes available for their retirement years. They can choose to open a private pension, which is best suited for independent workers and which will give them the freedom to choose how often and how much to deposit. The state pension on the other hand is a specific scheme which will grant you access to a pre-established amount once you reach your retirement age, which in this case will be a little different. In fact, the retirement age for the state pension is set at 66 years old. The amount you get will be based on how much you put on your fund every month and on your contributions as well.

How do all pension schemes work in the UK?

As we have seen, UK residents have a wide choice regarding the many types of long-term schemes designed to provide and income for when they stop working. Even though every pension fund is different from the others, there are some common rules that apply to each of them. For instance, whichever type of plan you choose, you won’t be able to access your money before a certain time. The retirement age in the UK is set at 55 years old for the workplace pension and the private pension. On the contrary, people who chose to open the state pension will be given access to their money when they turn 66. Also, the government will always contribute to your future through tax relief. Lastly, it is crucial to remember that the money you put in your pension fund will always be invested. That’s why you should always keep in mind that all investments are risky are subject to the market’s fluctuations. This means your money will have the chance to grow but might also go down as well.

Uncategorized Editor Mon, 16 May 2022 04:12:02 -0400
Cryptocurrencies and Trading Crypto in Dubai: the Benefits and the Risks The rise of cryptocurrencies has been nothing short of meteoric in recent years, with Bitcoin and other digital assets becoming increasingly mainstream. And as more and more people invest in cryptocurrencies, it's no surprise that there is growing interest in trading crypto in Dubai. After all, Dubai is a global financial hub and is home to several exchanges that allow for the buying and selling cryptocurrencies.

However, before you start trading crypto in Dubai, it's essential to understand the benefits and risks involved. This article will look at some of the benefits and risks associated with trading cryptocurrencies in Dubai.

Benefits of trading cryptocurrencies in Dubai

Certain benefits make trading cryptocurrencies in Dubai attractive to many traders. These include:

Access to a global market

One of the key benefits of trading cryptocurrencies in Dubai is that it gives traders access to a global market. Most cryptocurrencies are traded on decentralised exchanges, which are not subject to the jurisdiction of any single country, which means that traders from all over the world can buy and sell cryptos without having to worry about government intervention.

24-hour trading

Another benefit of trading cryptocurrencies in Dubai is that the market is open 24hours a day, seven days a week, because cryptocurrencies are traded on decentralised exchanges, which are not subject to the jurisdiction of any single country. Traders from all over the world can buy and sell cryptocurrencies anytime, around the clock.

Potential for high returns

Another benefit of trading cryptocurrencies in Dubai is the potential for high returns. We've seen the price of many cryptocurrencies increase dramatically over the past year. For example, Bitcoin, the most well-known cryptocurrency, has seen its price increase from around $1,000 in January 2017 to over $19,000 by December 2017.

Of course, it is essential to remember that past performance is not necessarily indicative of future results. However, the potential for high returns is undoubtedly one of the main reasons many traders are attracted to cryptocurrencies.

Risks of trading cryptocurrencies in Dubai

While specific benefits make trading cryptocurrencies in Dubai attractive, there are also certain risks that every trader should be aware of. These include:


One of the main risks of trading cryptocurrencies is that they are highly volatile, which means that their prices can move up and down rapidly in a short space of time. For example, Bitcoin fell from around $19,000 to below $11,000 in just a matter of days in December 2017.

This volatility can make it difficult for traders to make money as they may have to close their positions quickly to prevent further losses. It can also make it difficult to predict which direction the market will move in next.

Lack of regulation

Another risk of trading cryptocurrencies is that any government body does not currently regulate them, and this means that there is no protection for investors if things go wrong. For example, if an exchange is hacked or a cryptocurrency company goes bankrupt, investors will not be able to claim compensation from the government.

This lack of regulation also means that there is no guarantee that cryptocurrencies will continue to exist in their current form. For example, the government could ban all cryptocurrencies or impose strict regulations on their trade, which could significantly impact the price of cryptocurrencies and cause them to become worthless overnight.


While specific benefits make trading forex crypto in Dubai attractive, there are also certain risks that beginners should be aware of. These include volatility and the lack of regulation. However, as long as you are aware of these risks and are prepared to take them, trading cryptocurrencies can be a great way to make money.

Remember to do your research before investing any money and always use a reputable and experienced online broker like Saxo Bank before investing in Cryptocurrencies in Dubai.

Uncategorized Editor Sat, 14 May 2022 04:16:09 -0400
Bayswater Properties: Top 4 Reasons Why You Need a Property Manager Living in Bayswater is so fun. This suburb of Melbourne is well known for its beautiful attraction and exciting events, and it has a lot of outdoor activities to offer. For this reason, investing in a rental property in this area is considered a wise choice.

However, many property owners find a hard time finding prospective tenants. Plus, in terms of managing the place, especially if they don't live nearby or are too busy with something.

If you're one of those people who's getting stressed about your investment property, you can consider a property management Bayswater company. In this blog, we'll discuss how it can help.

What Does a Property Management Company Do?

A property management company consists of property managers who are in charge of property operations. Their main responsibilities usually depend on the kind of property they are managing, how much they are getting paid, and the terms they will discuss with the owner.

But typically, they are in charge of establishing good communication between tenants and owners. Besides that, a property manager can also be the one to advertise the property to get potential tenants and manage any issues within the place.

Why Should You Get Help From a Professional Property Manager?

Not everyone chooses to hire someone else for their property, usually because of the additional cost. But if you own any rental properties in Bayswater, here's how a good property manager can help you.

1.    Market the Property Well

If you hire a property manager with excellent marketing skills, your property will less likely be vacant. The manager will know the right strategies and marketing trends to reach out to potential tenants. In addition to that, the manager will also craft advertisements that will stand out.

2.    Find Potential Tenants Conveniently

Looking for tenants that will agree to your terms and conditions can be stressful. But with the help of an experienced property manager, this process won't be that complicated. The manager will be in charge of screening tenants to make a deal with the best ones.

3.    Set and Collect Rent Easily

Many expensive properties stay vacant, and when that happens, you will fail to get a good return on investment. By getting property management services, you'll have professional help in terms of setting the right amount of rent. The right manager will know what price is the best for your property and make it adaptable to the increasing rental market.

4.    Maintain Your Property Without Hassle

If your house isn't close to your investment property or you are busy with work, it's hard to maintain it. You'll be required to keep going to your rental property every time it needs a repair or there are issues with your tenant. But with the help of experienced property managers, you can feel confident that someone is taking care of it. Your rental property will stay in good and habitable condition.

Tips for Finding the Right Property Manager in Bayswater

There are many property management companies in Bayswater. If you need one, you can simply search online. But to make the costs of the services worth it, consider the following tips:

●     Check the Reviews

Since more and more property managers are becoming available these days, you need to be wise and pick the right one. You can start by visiting websites and checking the reviews. Client feedback is the reflection of how good the services of a company are. So, only trust one with many positive reviews.

●     Compare Prices

The prices of property management services usually depend on the package you will avail of. However, there are companies with the same service quality but much more expensive pricing. For this reason, it's important to check the prices and compare them. Choose the one with quality services at the most affordable price.

●     Only Rely on the Company with Proven Experience and Result

There are many companies that will claim to be good property managers. But the results are the only thing you can count on. No matter how promising their words are, they won't matter if their work isn't great. So, only get help from an experienced company and ask for their a proof.

●     Choose a Company Who Knows Bayswater Well

Even though the company already has many experiences, it will not help if they are not familiar with the Bayswater area. They won't know how to set prices, market the property, and handle everything. Thus, choose one who knows the Bayswater well.

In Conclusion

Getting a Bayswater property for investment is a wise idea. But to make sure that you earn a good profit from it, you also need someone who will manage the property. Thus, consider hiring a professional property manager who knows the area well. If you choose the right one, everything will go smoothly for you and your property.

Uncategorized Editor Sat, 07 May 2022 05:47:38 -0400
3 Things You Must Know When Relocating to the Gold Coast The Gold Coast is an amazing place to live, with plenty of activities and opportunities available. However, it's important to know some of the unique aspects of living in this region before saying, "Hello, Gold Coast!"

Property advisors at Simply Gold Coast share the following must-knows to ensure a smooth relocation process.

1. It’s easy to get in and around the area.

You're wrong if you think getting around the Gold Coast city council is challenging.

Riding a Bus: Gold Coast's bus service is generally reliable, with over 60 bus routes throughout the city. It is an affordable alternative to spending money on petrol, with Gold Coast being one of the most expensive cities in Australia for petrol. The Gold Coast's bus service covers a wide area, including the city centre, Surfers Paradise, beaches, and hinterland. Some buses run between Gold Coast and Brisbane. The service is generally reliable, with buses running on time and few delays. However, there can be heavy congestion during peak times, particularly on Friday and Saturday nights.

Getting a Taxi: There are plenty of taxis and Uber drivers to help you get where you need to go. Taxis can be hailed in the street, or you can find them at taxi ranks in dining precincts and shopping centres. Ubers are also plentiful on the Gold Coast, so you shouldn't have any trouble getting around.

Taking the Train: The train system can help you beat the heavy traffic to major centres, such as Nerang, Helensvale, and Robina. The train is a popular choice for those commuting to and from Brisbane. The Gold Coast's new light-rail system is now operational and offers more reasons to take the train.

If you have a prepaid Go Card, you can use all bus, train, tram, and ferry services in South East Queensland. This is especially handy if you work outside the Gold Coast. You can also use your Go Card to get discounts on some Gold Coast attractions and activities. So, whether you're exploring the central Gold Coast or commuting to work, a Go Card is a great way to get around.

2. The region has favourable weather all year round.

Gold Coast is a popular destination for expats for many reasons, but the weather is definitely one of the main attractions. The area enjoys annual average high temperatures of 25°C, with regular rainfall and relatively mild winters. Gold Coast is also perfect for those who love the outdoors, as there are plenty of opportunities to enjoy the warm weather all year round.

Here's what to expect from each season:

Winter on the Gold Coast is a time of sunny, dry days and cool nights. Daytime temperatures hover around 12.5-21.5 degrees Celsius, making it a great time to enjoy the outdoors.

The Gold Coast experiences beautiful weather in spring, with average temperatures ranging from 17-25.5°C. The days are sunny and dry, making it the perfect time to enjoy all that the Gold Coast has to offer. However, the wind tends to pick up during this time of year, particularly around September. This can make it difficult to enjoy outdoor activities, so planning accordingly is important.

Summer on the Gold Coast is a time to enjoy the warm weather and beautiful beaches. However, it's important to remember that the Gold Coast can be quite humid, with temperatures averaging 21-28.5°C. Despite the occasional showers, summer on the Gold Coast is a wonderful time to relax and enjoy the sunny weather. So don't forget your sunscreen and swimwear, and enjoy your time on the Gold Coast!

Gold Coast locals know that autumn is the best time of year. The weather is perfect - not too hot and not too cold - and the beaches are still warm enough for a dip. Plus, the rain has usually eased up by this time of year, so you can enjoy all the Gold Coast offers without worrying about getting wet.

3. The city has a lot to offer.

With its stunning beaches like the Mermaid Beach, lush rainforests and vibrant city life, many people choose to call the Gold Coast home. There are lots of things to keep you busy on the Gold Coast. You can explore the many national parks and South Stradbroke Island. Enjoy the nightlife in Surfers Paradise, Main Beach, and Palm Beach. And check out the famous theme parks, movie world, Sea World, and busy shopping district.

And with so many great Gold Coast primary schools and universities, it's an ideal place to raise a family. Whether you're searching for a serene place to retire or just somewhere to enjoy a getaway, the Gold Coast has something for everyone.

Here’s a list of the best suburbs to live in:

  • Broadbeach Waters
  • Burleigh Heads
  • Biggera Waters
  • Coolangatta
  • Southport
  • Robina
  • Labrador

Take some time to think about what's important to you, and then check out any of these Gold Coast suburbs.


If you’re moving to the Gold Coast, you should know a few things first.

The region is easy to get around – it’s well-serviced by public transport, and there are plenty of highways that make getting around quick and easy. And because the weather is so favourable all year round, you can enjoy the outdoors any time of year!

The Gold Coast is indeed a beautiful place to live, with miles of stunning coastline and lush rainforest hinterland.

Whether you’re relocating to the Gold Coast from interstate or overseas, these must-knows can help get you started on making the transition to life in paradise.

Uncategorized Editor Mon, 02 May 2022 23:35:16 -0400
How Are Closing Costs Calculated? Closing costs are fees that you pay when finalizing the purchase of a home, as well as those fees you pay if you refinance. If you're buying a home, closing is the day that the sale of your house becomes final and all of the conditions in your purchase agreement have been fulfilled.

The different fees that make up closing costs

The first step is to understand all of the fees associated with your transaction. While lenders post their rates online and in promotional materials, all of the applicable fees for your unique transaction must be disclosed. These fees typically include the origination fee (a percentage of the total loan amount) and discount points (paying points is like getting a reduced interest rate; one point equals 1 percent of the loan).

Some closing fees may be eligible to be rolled into your loan so that you don’t have to pay them upfront. There are some other fees, however, that must be paid for at closing and cannot be rolled into the mortgage. This also applies if you're refinancing a mortgage.

Estimating your closing costs

All in all, closing costs are approximately 2 to 5 percent of the home purchase. If you’re buying a home that costs $200,000, you can typically expect to spend anywhere from $4,000 to $10,000 in closing costs. Each buyer's closing costs are different, but this is an example of what you can expect to pay.

Your agent and lender should always give you an estimate of closing costs so you know what to expect. They will give you the best estimate possible, but keep in mind that it is just a ballpark figure that doesn't account for additional fees that come due at closing or ones you can roll into your loan amount.

Closing costs can also vary from state to state; legal fees, title search and insurance premiums make up the bulk of these costs. Other commonly paid items include property taxes and water bills, homeowners' association dues, and transfer taxes levied by states or counties where the home is  located. In addition, closing costs  can include prepaid costs, which will be paid out at closing. These typically include homeowners insurance and your lender may require you to pay interest for the month in which you close on your loan.

Do sellers ever pay closing costs?

Rules for closing costs will vary by state, and in some states, sellers are required to pay a portion of closing costs. Overall, it’s common for buyers to cover these expenses entirely, but it really depends on the situation. When you're making an offer on a home , consider asking the seller to pay for all of your closing costs as a way to reduce how much cash you have to come up  with for the down payment. But know that not all lenders allow this practice.

If a seller is extremely motivated, they may offer to cover some (or all) of the buyer's closing costs as a way to entice buyers to purchase their property. This practice can save you thousands, but there are rules around who gets the money and what it covers. Always ask your real estate agent for advice if you’re presented with this offer.

Final thoughts

It can be difficult to avoid closing costs when purchasing or refinancing a home, but there are some workarounds if you’re looking to save money. You may be able to finance some of these costs, or negotiate something with the seller if you’re purchasing a home. It’s always important to consider closing costs when planning for a new home purchase or refinance so that you have a realistic picture of what you can comfortably afford.

Uncategorized Editor Fri, 14 Jan 2022 22:19:04 -0500
How to Create a Family Budget

For singles, creating a budget is relatively easy. They tend to have a good handle on how much money they have coming in, and when tracking expenses, they only have their own to think about. But creating a family budget is a whole new ball game.

Most families have multiple sources of income. And when there are multiple spenders, that makes things much more confusing. This is one of the main reasons that families lack a formal budget. But having a budget and sticking to it can greatly improve a family's financial outlook.

Making a family budget may be tricky, but it can be done. Here's how.

1. Take inventory of all income. If a certain source of income fluctuates from month to month, use the lowest amount or average it out.

2. Keep track of all expenses for a month or so. Keep all of your receipts, and ask all family members to turn theirs in to you each day.

3. Add up your monthly expenses. Be sure to include bills, debt payments, groceries, and everyday expenses such as lunch money and transportation costs.

4. Get the family together and discuss ways you can trim the budget. Getting input from other family members will help you determine which expenses are necessary and which ones could be cut down or eliminated. Maybe you or your spouse could start taking lunch to work instead of eating out, or maybe the kids can drop an extracurricular activity.

5. In addition to individual expenses, discuss how you can cut down on the electric bill, groceries and other necessary family expenses. Consider such things as carpooling or taking public transportation, buying more generic foods and adjusting the thermostat.

6. Estimate how much you can save on regular expenses, and cut the completely unnecessary items out of the budget. Then refigure it and see where you stand.

7. If you end up with a surplus, allocate a portion of it to savings. If you're in the red, go back and rework the budget until you have more income than expenses.

Being Realistic

One reason that family budgets often fail is because they're just not realistic. It's great to cut down on expenses, but sometimes we tend to go too far. For example, cutting entertainment out of the budget completely might look good on paper, but we all need a little diversion every now and then.

Instead of cutting such things out of the budget completely, consider finding ways to lower the cost. Going back to the entertainment example, maybe you've been going to dinner and a movie as a family twice a month. But eating in and renting a new release would be much cheaper, and you would still get to spend quality time together.

Individual expenses can also be tricky. This can be resolved by allocating a certain amount for each family member to spend each week. If someone spends his entire amount before the week is up, reevaluate his expenses and adjust if necessary.

Creating a family budget can help keep spending under control, leaving more money to pay down debts and save for future goals. But in order to succeed, close monitoring is essential. Your efforts will be rewarded, however, with less financial stress and more money in the long run.

Uncategorized Editor Sat, 21 Aug 2021 10:17:42 -0400
Have You Tried These 4 Ways of Making Money on Instagram Yet? There are several ways to make money on Instagram like buying ads, shout outs, and a host of others in between with varying degrees of difficulty as you go from one to the next.

Instagram is no doubt a major marketing channel where social and commerce meet. What started as a photo/video sharing platform is now in the big picture boasting over 800million monthly active users and counting, according to recent reports.

Indeed if a picture is worth a thousand words then Instagram is worth more to advertisers, entrepreneurs, businesses, artists, etc who love Instagram for Business, who depend on it to grow their enterprise.

There are others however, who think Instagram is some kind of instant money transfer app, who have zero clues on how to hack Instagram. The good news; profiting from Instagram is not rocket science, however like anything worthwhile it involves a certain learning curve.

In this article I’ll take you round the curve and show you 4 proven ways to hack Instagram and make money off of it.

Perhaps you're wondering,

What is Instagram Really About?

In October 2010,  Kevin Systrom and Mike Krieger launched Instagram; a photo/video sharing platform.The app allows users  upload, edit, filter, organize, tag and most importantly, share pictures and videos.

Posts can be shared publicly or with pre-approved followers. Users can browse other users content by tags and locations and view trending content. Users can like posts and follow other users or add their content to feed.

And of course, users can make money from Instagram :)

The following stats show why Instagram is a potential money making machine:

  • Instagram has 800 million monthly active users and counting with 500 million daily active users
  • 26% of IG users make over $75,000 a year.
  • Worldwide, over 25 million business profiles are on IG up from 15 million last year.
  • IG has over 2 million monthly active advertisers up from 1 million in March last year.
  • More than 80% of accounts on Instagram follow a business, with over 200 million Instagrammers actively following a business profile each day.
  • The Motley Fool reports that Instagram earned $4 billion in revenue in 2017, making up approximately 20 percent of Facebook’s annual revenue.
  • In 2018, 70.7% of U.S. companies will use Instagram marketing
  • 50% of Instagram users follow at least one business.
  • 60% of users say they’ve learned about a product or service on the platform

Source: WordStream

One cool way to make money on Instagram is by marketing hot selling products like the pros.

Following are 4 more proven ways to hack Instagram now:

1) Sell Blurb Photographs

As a leading photo/video sharing platform, Instagram allows users earn money from uploading, editing and sharing photos/videos including artworks, illustrations, etc for which they're the copyright holders.

You don't need to be a professional photographer to make money from Instagram. A typical smartphone has at least two cameras that allow owners take photographs of different qualities.

With image editors and filters you can enhance picture quality thus increasing visibility, reach and acceptance. Watermarks and subtitles help to secure and sequent your posts accordingly. 

The right hashtags will get you noticed like a notice board and help drive traffic, conversation and engagement around your posts. Instaprints is a great app that allows you purchase and offer Instagram pictures as blurbs for sale.

2) Sponsored Posts

Advertisements on Instagram are labeled “sponsored” where timestamp would typically be.  Sponsored posts a.k.a influencer marketing is marketing done for you by influencers like celebrities, famous or powerful individuals with a large Instagram following.

Influencers build an online following by doing and sharing great content, ideas etc. They are seen as idols, icons, leaders, trailblazers, professionals, and trusted specialists.

IG accounts with large following can help brands spread the word about their business, it's basically a celebrity endorsing a brand, saying “hey followers, I trust this brand”.

Beyond account size and reach, influencers work hard to earn and retain followers trust. Here, a good reputation is worth a million dollars.

Hence, many influencers are selective about who they work with, they do background checks, test products or services before they ever recommend same. Are you an influencer (and didn't know it), here's your chance to cash in.

You can also

3) Promote your Business

Instagram isn't just about your favorite pictures, you get the picture? Instagram for business is the brand's way of saying “hey, you know what? We (also) mean business!”

Of course you have to post pictures but bringing a business perspective on board helps to align your goals and objectives.

Again this can include using the right hashtags, generating conversation around trending topics, corporate social responsibility; anything that projects your business in good light.

It is a good practice to post unique pictures/videos different from the ones on your website.

You can also promote your business by supporting popular causes that relate to your business, that way you'll be in front of a relevant audience.

You can also

4) Sell your Instagram Account

People delete or deactivate Instagram or other social media accounts for different reasons including cyber bullying, hacking, privacy concerns, etc.

If you own an Instagram account with a huge following and thinking of leaving IG, instead of deactivating you can discuss and deal.

Businesses are willing to buy your IG account provided it has good following, it's as good as buying a permanent ad space on Instagram.

If you're interested in listing your account for sale, services like Popularity Swap and Viral Record can help. What you make depends on what you have made of your account, the bigger the better.


Instagram offers tons of opportunities for individuals, businesses, organizations to promote their causes and campaigns. Bundled with these are amazing opportunities to make money. Business, individuals or groups who get a good grasp of this can make money from Instagram in more ways than one.

Lastly, always hedge. Instagram algorithms may change at any time, such changes may be unfavorable and cut you out of business if you depend solely on IG for marketing.

 Author Bio:

Amos Onwukwe is an AWAI trained Business/Ecommerce B2B/B2C Copywriter, featured in scores of blogs including Huffington Post, Dumb Little Man, Ecommerce Nation, eCommerce Insights, Understanding Ecommerce, Result First, Floship, SmallBusinessBonfire, SmallBizClub, Successful Startup 101, Business Partner Magazine, RabidOfficeMonkey, etc.

He’s available for hire.

Twitter: @amos_onwukwe

Uncategorized Editor Fri, 20 Aug 2021 22:03:14 -0400
Seniors - How to Live Comfortably on Less

For senior people, there're many more things to consider, such as finding a good elder care service etc. Whether you are newly retired or have been for some time, adjusting to a fixed income can be difficult. After years of spending and earning, it is time to settle in and create a budget - designed to not only stretch your savings but also to give you the quality of life you deserve. The usual saving strategies still apply, such as turning out lights and lowering the thermostat, but there are many other ways to make your retirement years enjoyable and stress free.

Being a senior does have its advantages. Many retail outlets offer seniors discounts, which can be as high as fifteen percent. Restaurants, movie theatres, museums and even Broadway shows also offer discounts to seniors. Since you are retired you have the advantage of being able to shop at any time. This will give you time to make your list before shopping and allows you to visit all stores in a single day to achieve maximum savings.

Try the generic brands as they usually provide the same results at a fraction of the cost. Buying items such as toilet paper and paper towels in bulk when they are on sale is just one way to keep more of your money. In addition to the sales, use coupons to boost your savings. Many grocery stores offer double coupons up to 99 cents, so be sure to ask your customer service representative if your store offers this great deal.

For your nightlife, why not check out the senior centers in your area. The centers are made up of people in your age group and have wonderful events planned weekly, such as dancing, bingo, casino nights and movies. The list is endless and the best part is that there is just a small fee for an enjoyable evening out. Best of all, you develop friendships with other seniors who have the same interests.

Living on less does not mean you have to sacrifice quality. Rather, open your minds to doing activities that cost less. If you are not an active driver, sell your car and rely on friends and family or public transportation. Maintaining a car is a hefty expense and so is car insurance. If you can live without the car, you will have more money in your wallet.

Adjusting to living on less can be difficult in the beginning, but after a while it becomes a way of life. There are many advantages to being a senior, so embrace them and relish in the savings.

Uncategorized Editor Wed, 11 Aug 2021 05:17:46 -0400
Moving In Together? How to Deal with Household Costs

Moving in together with your partner is a big step in a relationship. It is also a big step in regards to finances. Moving in together can ease the burden on both of your wallets as household costs will more than likely be shared by both of you. Advance planning is necessary for a smooth transition.

Running a household can be expensive and there are many different factors to take into consideration. The first thing you need to figure out is whose name the utility bills are going to be under. Utility bills include water, heat, electric, and phone and cable service. If only one partner is on the lease, then his or her name will have to be on the utility bills. If both partners are on the lease, the utility bills can be in either name.

Splitting the cost of the bills is the usual way for unmarried partners. Each month, when the bills become due, both of you will split the total cost in half and one will be responsible for paying the bills. This requires attention to detail. Keep the bills where they are easily accessible so both partners can view the bill for themselves and keep track of expenses for the month.

Some partners choose to set up a joint checking account for the purpose of paying bills. Even with a joint checking account, it is always good to have only one person in the house handle the finances to prevent too many hands dipping into the proverbial pot. A joint checking account will allow both partners to keep an eye on the finances and track which expenses clear. One major bonus is that both partners have access to the account and can verify expenses and debits.

A joint checking account, however, is not for everyone. If you are not comfortable with this idea, then discuss alternate payment plans with your partner. You can always ask for your partner's share of the bill when you sit down to pay them.

The only downfall to this is that your partner may not have the money readily available. If you do not have the money available to cover your partner's share, you run the risk of paying the bill late and incurring penalties. Another potential problem is having a partner who does not pay their portion of the bill. In this case, it is important to have a discussion and work out a plan.

Moving in together is a big step and requires planning, especially in the area of finances. It is not necessary to combine incomes, but an adequate payment plan has to be set up to cover the rent and utilities. Both partners need to work together to successfully run the household finances.

Uncategorized Editor Sun, 25 Jul 2021 23:22:46 -0400
The Real Cost of Smoking

Despite warning labels and the excessive cost, people still continue to smoke cigarettes. There are many reasons to kick the habit. Cigarettes now cost anywhere from eight, ten, or even twelve dollars per pack and if you smoke a pack a day, you will have spent upwards of three thousand dollars in one year. If there is more than one smoker in the home, the cost is off the charts. Even though the price keeps going up and up and up, people still continue to smoke.

But smoking is much more than the expense to your wallet; it is the time it takes away from your life. It has been proven that cigarettes decrease your life expectancy. Smokers have a lot more bronchial problems than people who do not smoke. The lists of complications and illnesses that can happen directly due to smoking are plentiful. Illnesses such as bronchitis, pneumonia and emphysema are rampant in smokers. Some smokers even end up suffering from lung cancer and oftentimes the cancer is detected too late to cure.

Nicotine is said to be more addictive than heroine and though many people try to quit, most fail. Smoking is a habit that can be resumed with ease even ten years after you have quit, making it one of the most dangerous habits. Yet every day even more people start smoking.

Not only does smoking affect your wallet and your health, but your family is also at risk. Second-hand smoke is very harmful and has been proven to do almost the same amount of damage, if not more, to the non-smoker in the home. Over the years, many children have come down with asthma and bronchial problems directly related to being in the home of a smoker.

If you need evidence of how damaging smoking is, just wipe your walls down; they are golden yellow from the substance left in the air. Humans are not the only ones who suffer; your pets are also at risk.

Really, there is nothing good about smoking. If you have tried all measures such as vaping or e-cigarettes to quit and nothing is working, you may want to try a support group. After all, it is your money, your family and your life on the line.

Uncategorized Editor Thu, 15 Apr 2021 23:18:31 -0400
How To Become A Successful Crypto Trader

If you are going to put money in cryptocurrency for the first time, we suggest that you get at least a basic understanding of the industry. In this article, we are going to give you 5 tips and tricks that will help you become a better investor. Keeping these tips in mind, it will be easier for you to achieve success as a beginner.

1. Look for Reputable Sources of News

You will find different opinions about the world of cryptocurrency. According to some people, crypto is nothing but a fad, while others think that it is a great investment, especially if you are looking to invest your money for the long term.

If you are sure that you can benefit from Crypto, you should stay tuned to trustworthy news on cryptocurrency and don't listen to non-believers. For achieving success as an investor, you should consider some facts and then keep investing your money wisely.

2. Get Ready for Volatility

Unlike regular currencies, cryptocurrency is not that stable. A few months back, the value of one of the most popular cryptocurrencies called Bitcoin was around $40000. But it has now dropped back to $30000. So, what you need to do is make your decision wisely. If you become greedy, you may suffer huge losses.

Even if you ask expert crypto traders, they will say that even they don't have the mastery of the art. So, you need to be careful when it comes to you investing in crypto as cryptocurrencies are quite volatile.

3. Consider other Altcoins

As far as cryptocurrency is concerned, you are not just restricted to Bitcoins. Therefore, it is not a good idea to put all your eggs in one basket. In other words, you should invest your money in other types of cryptocurrency as well.

So, what you need to do is do your homework and find out which ones are doing well. In other words, you should choose the top 5 cryptocurrencies and invest your money in them.

4. Learn about Hot and Cold Wallets

Although crypto is a digital currency, you can still store them on the internet in your hot wallets. But if you are just starting out, you may want to give a go to offline wallets as they are quite useful and versatile.

On the other hand, it is true that cold wallets offer protection against hackers. So, if you want to diversify your assets, we suggest that you get familiar with both hot wallets and cold wallets.

5. Be Vigilant

Although cryptocurrencies have high safety standards then conventional currency, we suggest that you follow precautions. So, what you need to do is be careful when it comes to investing a large amount of money in the digital currency of this type.

You should find about different methods to handle your transactions and see how you can effectively manage your cryptocurrency in a responsible manner.


In short, you may want to follow these 5 tips and tricks if you want to be successful as a cryptocurrency trader or investor.

If you are a beginner in the world of crypto, you should check out BTC365 on a regular basis. This platform offers reliable cryptocurrency news.

Uncategorized Editor Sat, 22 Aug 2020 06:04:10 -0400
How To Predict Mortgage Rates

How you can learn to predict mortgage rates, too.

Many people, particularly, first-home buyers, tend to shop around for the cheapest mortgage rate that they see not knowing, or understanding, that these rates dip and fall. If you get an understanding of how mortgage rates work, you will be in a far better position to land one that really works for you and may even be cheaper than the one you're ready to commit to, say, today.

Here's how mortgage rates work.

According to real estate experts, the firs thing you should know about these rates is that they are unpredictable. They change. A high rate today may be low tomorrow. At one time, these rates were more stable. They were set by the bank. But since the 1950s, Wall Street took over and adjusted them according to supply and demand. Or more accurately, Wall Street linked them to bonds. So that when bonds - that are bought and sold on Wall Street - drop, mortgage rates do, too.

How can I know today's bonds rates?

It sounds simple: let's keep up with the prices of bonds and we'll know when to shop for our mortgage. Unfortunately, only Wall Street has access to this knowledge (called "mortgage-backed securities" (MBS) data). And they pay tens of thousands of dollars for access to it in real-time.

Here's how you can make an educated guess:

Calculate according to, what's called, the Thirty-year mortgage rates.

These are the events that lower rates in any given 30 years:

  • Falling inflation rates, because low inflation increases demand for mortgage bonds
  • Weaker-than-expected economic data, because a weak economy increases demand for mortgage bonds
  • War, disaster and calamity, because "uncertainty" increases demand for mortgage bonds

Conversely, rising inflation rates; stronger-than-expected economic data; and the "calming down" of a geopolitical situation tend to elevate rates.

The most common mortgages and mortgage rates

You'll also find that mortgages vary according to the level of your credit rating. The higher your credit score, the more likely you are to win a lower mortgage rate.

Mortgage rates also vary by loan type.

According to real estate experts, there are four main loan types each of which has a different level of interest. In each case, this level of interest hinges on mortgage-secured bonds. The four loan types together make up 90 percent of mortgage loans doled out to US consumers.

Which mortgage loan do you want?

Here is the list:

1. Conventional Mortgages

These loans are backed by Fannie Mae or Freddie Mac who have set regulations and requirements for their procedures. The Fannie Mae mortgage-backed bond is linked to mortgage interest rates via Fannie Mae. The Freddie Mac mortgage-backed bond is linked to mortgage-backed bonds via Freddie Mac.

According to experts in the real estate industry, mortgage programs that use conventional mortgage interest rates include the "standard" 30-year fixed-rate mortgage rate for borrowers who make a 20% downpayment or more; the HARP loan for underwater borrowers; the Fannie Mae HomePath mortgage for buyers of foreclosed properties; and, the equity-replacing Delayed Financing loan for buyers who pay cash for a home.

2. FHA mortgage

These are mortgage rates given by the Federal Housing Administration (FHA). The upside of these loans is that you have the possibility of a very low downpayment - just 3.5%. They are, therefore, popular and used in all 50 states. The downside is that the premium is split in two parts.

FHA mortgage interest rates are based on mortgage bonds issued by the Government National Mortgage Association (GNMA). Investors, by the way, tend to call GNMA, "Ginnie Mae". As Ginnie Mae bond prices rise, the interest rates for FHA mortgage plans drop. These plans include the standard FHA loan, as well as FHA specialty products which include the 203k construction bond; the $100-down Good Neighbor Next Door program; and the FHA Back to Work loan for homeowners who recently lost their home in a short sale or foreclosure.

3. VA mortgage interest rates

VA mortgage interest rates are also controlled by GMA bonds which is why FHA and VA mortgage bonds often move in tandem with both controlled by fluctuations from the same source. It is also why both move differently than conventional rates. So, some days will see high rates for conventional plans and low rates for VA/ FHA; as well as the reverse.

VA mortgage interest rates are used for loans guaranteed by the Department of Veterans Affairs such as the standard VA loan for military borrowers; the VA Energy Efficiency Loan; and the VA Streamline Refinance. VA mortgages also offer 100% financing to U.S. veterans and active service members, with no requirement for mortgage insurance.

Uncategorized Editor Sat, 22 Aug 2020 05:53:17 -0400
How to Cut Your Company's Legal Cost

In today's complex legal environment the corporate entities and professionals need to be very careful in all the commercial dealings, communications, agreements and contracts. This is because any communication can be viewed as a contract or not a binding contract by judicial forums in a later stage when litigation reaches courts. These types of communications include appointment letters, suspension letters, removal letters, email communications, statutory notices, reply to notices, warning letters, letters notifying delays, letters expressing disagreements etc.

What is Legal retainer-ship?

The stakes in every dealing today is also very high. Moreover certain actions have to be taken within a particular time frame otherwise negative inferences can be drawn by the courts in later stages. In such a situation, companies choose to engage a law firm with multi-discipline experience and international exposure to advise them in their day to day legal issues. Such an arrangement helps the companies to get expert legal advice under one roof in a pre-determined cost for the services what they are going to avail from that firm. Law-Senate law firm is serving many companies on "Annual retainer-ship basis" which helps the companies to get quality legal consultation without worrying about the bills, since the fee is fixed in advance for a year, on the basis of the budgeted work load for all non-litigation work. Later even if the work load increases the determined fee will not be changed within that one year period.

How Law Firm Legal Retainer Ship will facilitate You

There are few facts you must know about Law Senate Legal Retainer Ship, which will clear you why legal retainer ship should be availed:

  • Un-limited non-litigation legal Service in fixed cost: The Firm agrees on a fixed annual fee for un-limited chamber legal work including consultation, settling of contracts, settling of legal documents, settling of legal communication, labor related documentation, employment related documentation, issuing legal notices, responding to legal notices, arbitration notices, demand notices etc., The Firm has lawyers from various branches of law in its panel and in-house to respond to the consultation requests from the clients on issues arising out of various branches of law. The Firm also allots a dedicated lawyer for ensuring customer friendly communication and effective service. The clients can use email, courier or personal consultation to get their issues resolved. For example in case of settling of legal documentation, the client can email the proposed draft of the document to the firm's dedicated lawyer. The dedicated lawyer will get the response and comments of the relevant lawyer and inform the client within the pre-fixed time. Hence the specialty of the whole process is the customer friendly, high quality, swift and cost effective administration of the required legal services. The said fixed annual fee is excluding Litigation, arbitration, drafting of contracts and appearance before authorities and tribunals. The above said fixed fee is not uniform for all, it is finalized after estimation of work and the size of the Company.
  • Litigation & Representation Services in pre-determined fee schedule: The Firm will handle almost all types of litigation, arbitration and appearance before authorities in a predetermined fee schedule on case to case basis. The lawyers of the Firm regularly appear in Supreme Court of India, High courts, Competition Commission of India, Consumer Courts, National Consumer Commission, EPF Appellate Tribunal, Company Law Board, Electricity Tribunal, Mines tribunal, Petroleum tribunal, Civil Courts, Criminal Courts, Central Excise & Tax authorities, Revenue authorities etc., The Firm charges special reduced rates for the clients who engages the firm on annual retainer-ship basis. Hence this arrangement with our firm will help the clients to cut their legal costs.
  • E-reporting and online storage: It is very difficult for the Companies to get them updated about the pending cases from the old style lawyers. But Law-senate law Firm sends periodical (Weekly/ monthly) reports about the pending cases and matters to each of its client. The Firm also has the facility of e-storage of documents, even in a later stage after many years, the firm can supply copies of the documents from its e-storage points. Since law-senate is a modern law firm with all modern facilities and technology it serves its clients with Zero error quality.

Conventional Legal advice Models:

Earlier Companies used to appoint independent lawyers and pay them separately for consultations, settling legal documents, legal documentation and appearance in various Courts and tribunals. This model gives surprises and financial strain to the Companies since the expenses under legal heads are neither predetermined nor pre-budgeted. Hence the Companies in their endeavor to cut legal costs ended up in low quality and un-professional legal services which resulted in losing of cases etc.,

Appointing in-house counsel or law officers:

To handle above said legal matters some companies choose to appoint their own in-house counsel or law officers. The appointment of in-house counsel or law officers may improve the situation but will not lead to the full solution for the following reasons:

  • Appointing experienced law officers is very expensive in the current salary market. Hence small, medium companies and professionals can afford only a newly graduated or less experienced in-house counsel. Such a less experienced person may be doing only the co-ordination work between independent lawyers and the company.
  • Even if experienced people are appointed they will have their expertise in a few fields of law only. Hence they need to consult independent lawyers on the other issues. Independent consultation is again an expensive matter and finding the correct lawyer is a challenging job.

Appointing Independent lawyers as consultants:

Law is a complex field which is growing every day. There are so-many divisions of law and hence no lawyer can claim that he/she is aware of all the divisions of law. More over independent lawyers will not be able to ensure the high quality of service due to limitations in infrastructure, facilities, staff etc.

Advantages of legal retainer-ship:

Even though there are many advantages for the small, medium industries, Professional organisations, hospitals, educational Institutions, NGOs, charitable Institutions etc., in following the legal retainer-ship model than the conventional legal adviser model, the following are the important ones,

  • Legal advice on multiple legal subjects from experts under one roof
  • Unlimited non-litigation services
  • Litigation services on a special fee schedule
  • Annual customized fixed fee for unlimited consultation and documentation services
  • Dedicated lawyer for each client
  • E-document facility
  • Periodical reporting about the pending matters

Who will be benefited from Legal retainer-ship Model?

Large companies may appoint their own team of experienced in-house counsel supported by law officers and para legal staff in view of their higher volume of legal work. They also engage big size law firms and pay for each service separately because they may not bother about the legal expenditure. But the following types of Companies and Institutions will be greatly benefited by legal retainer-ship model,

  • Medium and small size companies
  • Distributing Companies & Agencies
  • Hospitals
  • Private educational institutions
  • Schools & Colleges
  • FDI partners
  • BPOs and Call centres
  • NGOs and charity organisations
  • Professionals & Consultants etc.,

In short legal retainer ship is helpful for those organizations who are not interested in spending money for legal departments or permanent legal counsel of every practice area of Law. If you have any query about legal retainer ship then you can ask anytime.

Law senate law firm is recently engaged by various Companies across India and abroad on the basis of Annual retainer-ship. Being a Delhi based Indian law Firm we are having expert Supreme Court advocates and corporate lawyers of every practice area of law. For any query

Uncategorized Editor Sat, 22 Aug 2020 05:45:09 -0400