Top Advantages of Investing in Bitcoin

If you want to invest in bitcoins, make sure you understand how Bitcoins work and the benefits you expect to receive. However, over the past few years, bitcoin investment has gained popularity due to its services to the users. Even if there are various conceptions around bitcoin investment, ensure that you research and know all the benefits you will get with these digital currencies. Therefore, the following are the reasons why you need to invest in bitcoin.

Bitcoin Has Lower Inflation Risk

electronic moneyIt is vital to note that their respective governments control all world currencies. However, with time, this is what leads to fluctuation. Since the government continues printing more money, this leads to instability. Therefore, when a currency loses value, note that the buying power goes down, which leads to paying more money, especially when acquiring your products. Buyers should understand that when a currency loses its values, the buying value reduces. But with Bitcoin, you will notice that the system is infinite, which means that the money will not get finished.

It Cannot Be Traced

When you are using Bitcoin, one of the benefits you will get is that they cannot be easily traced. Once the seller confirms the sale or receives the money, it cannot go back to the buyer. Since the government has no access to this form of payment, the government cannot trace the source of your funds. Therefore, if you want your financial status to remain private, this is the right form of payment that you need to use.

Bitcoin Is Portable

Another reason why you need to invest in Bitcoin is the fact that they are portable. However, it is hard to carry around vast amounts of money worldwide with the current significant currencies. Any amounting to millions can be a little bit hard to carry around for various reasons. That is why Bitcoin investors consider it to other available currencies. Therefore, consider using Bitcoin because they are portable, and you can carry around a million dollars in a memory card.


Bitcoin Transactions Are Simple

It is crucial to note that Bitcoin transactions are cheap, easy, and straightforward. Based on the fact that buyers cannot claim their money after the purchase, this provides sellers an opportunity to ship their goods and services to the buyers without the worry of recovery. Also, with Bitcoins, it will be easy to transfer your money from one place to another.…

gold money

A Guide to Purchasing Gold Coins

As always, to do something well, you have to be clear about what you want to do. In the case of an investment in gold, one must understand the purpose of said investment. You may choose to deal with physical gold that comes in the form of coins, bullions, gold bars, and jewelry. Several platforms can guide you in selecting the best gold coins for investing. Different kinds of interests may determine your reason to buy gold coins. They include:

To Speculate in the Short Term- People buy gold as they could buy any other good, with the idea that in a few days, weeks or months it will have risen in price, and they can sell it more expensively.

gold moneyTo Reduce the Volatility of an Investment Portfolio- Gold has fairly low volatility with respect to inflation, which is why some investors recommend having a certain percentage of individual investment portfolios invested in gold. Perhaps the best known is Harry Browne, an investment advisor who proposes a simple, stable portfolio with a reasonable historical return in which 25% of it is invested in gold.

Capital Shelter That Can Serve as Insurance Against Catastrophes- It may be a good idea to have a percentage of your assets “hidden” from accounting notes so that in the face of a catastrophe (from a divorce to a war) from the outset, it is not easy to get hold of all our capital.

Who Collects Gold Coins

Collecting gold coins is quite different from investing. The collector will seek to have fun and learn while the investor will seek a return. However, collecting can be an extra motivation for the investor in gold. Some are motivated to save and continue with their investment by buying gold coins every year. Investing about 1,000 euros a year in gold may be reasonable for a middle-class family, and the simple fact of buying an ounce as they go out already ensures that investment.

gold coinSome people also opt for historical gold coins because they consider it more beautiful. Many of them soon collect powerful gold coins and turn their investment in gold into a numismatic collectible even though they are two very different things. It is very important to ensure that everything is done in a legal and documented way when buying gold. If you are a merchant, you should always require an invoice, and if you are a private individual, you should need a private purchase-sale contract. This will keep you free from counterfeits, and you will have a smooth time during the trade.…


Top Tips to Save on Entertainment

There are many ways to have fun. You might go to the movies, go to a music concert, or check out a new restaurant in town. The choice is yours to make. Nevertheless, you also need to remember that everything comes at a cost. As much as you need to go out and explore, you need to keep your budget in check. Here are some top tips to help you cut down your expenditure on entertainment.

Drink at Happy Hours

One of the best ways to have a good time is to have a cold one in the company of some friends. Drinking can be an expensive habit, but you can always cut down on your spending. Happy hours are often the best times to drink. Some bars offer incredible deals, say two for the price of one. And in other cases, you might also be served with free food.

Go for a Concert

If you love music, the chances are that you fancy going to music concerts. The availability of free concerts depends on where you are from. And if free shows are not common in your area, you might also consider going for one of these gigs in a neighboring town.

When it comes to seeing your favorite artist perform, however, you might be forced to part with some money. The best way to go about reducing your expenditure is to book the cheap sears or take advantage of discounted packages such as the 2-for-1 deal.

Get Outdoor

Instead of sitting down and watching your favorite musician, you might also consider getting active. There are many inexpensive activities that you can do out there and still have a great time. For instance, you might go for a hike, play your favorite sports, or check out the town with your bike.Disneyland entertainment

Have a Game Night

If your friends are also trying to cut down on entertainment, then you might try to skip anything that requires funding. Game time at home can be a lot of fun, yet inexpensive. All you need to do is to choose a game that you all enjoy and have some fun. Nothing beats an evening of fierce competition.

It is not always about work. You also need to attend to your recreational needs. And you do not need lots of money to have a good time. Whether you are going out or staying in, there are plenty of ways to have a good time without spending lots of money.

loan approval

When to Apply for a Business Loan

Business loans have helped some businesses from the pitfall of bankruptcy while other businesses have closed down because they cannot pay their loans already. This just shows that before applying for a business loan, one should have taken all factors into consideration before deciding to pursue a loan for his business.

The purpose of a loan should be well established. It should detail how an additional capital through your business loan can increase your productivity and profitability. This will ensure your ability to pay your debt. With Tony Robins revealing how to launch a business mastermind on, you will be able to know more about business loans.

The following are the usual reasons why business entities go for a business loan.

Increase in Production or Inventory

moneyWhen you think that the demand for your products has immensely increased, then you should increase your production. Having no other way to get the additional capital will always lead you to banks or other lending institutions for a business loan.

You will not immediately feel the advantages of having more inventories in your place of business. This is especially true when there are fluctuating prices of commodities. If you can earn more by having more inventories, go for the loan.

Expand Your Business Space

When you cannot move around your place of business because of limited space, or when there is nowhere to place an additional table for a new employee; then it’s really time for you to expand your space.

Moving to a larger location may also be an option and it this can also cost you a large amount of money. Having a larger location can truly improve the working environment and can affect the productivity of your employees.

Acquire Needed Equipment

When you were starting, you might only have two sets of desktop computers. Now, you see that you should have five sets. This is a good sign that your business is going somewhere. You need to acquire new sets of equipment to be able to maximize your resources to be able to increase production.

Devices and equipment are an integral part of a business entity. You have to upgrade them every time so that they can give you the best results.

When You Need to Branch Out

shake handsWhen you think that having another branch in another location will give you more profit, then you should proceed for the loan. Not all businesses are given the chance to branch out. Having a second branch would mean your profitability can double.

And don’t stop there. If you can have a third branch or a fourth branch, go for it. That is a sign that your business is growing.

To Build a Good Credit Image

Some businessmen may see no need to have a loan at present, but they apply for smaller loans every now and then. Having smaller loans and being able to pay them on time will give you a good credit standing. Businessmen do this when they think that they need to have a big loan in the future. By having earned a good credit image, you will not have any trouble in letting your loan be approved.

When you have a loan, you may feel stressed about how to pay the amortizations on time. But when you applied for a loan with a well-planned purpose, then you have no reason to regret it. Its benefits will soon be felt in due time.…

rolled dollar bills

Seven Pointers to Find the Best Money Lender

You must consider several things before you apply for small business loans to take your company to the next level. For instance, you must understand the requirements of the loan and ensure that you can afford it. Next, you need to unearth a lender that can provide you with the small business loan that you need.

You will come across numerous lenders offering you loans. The pointers as discussed below will assist you to select the best money lender:

Amount and Eligibility

The amount of loan that you qualify for will depend on your business as well as your monthly income. Furthermore, the number of dependents you have might be considered to determine the amount that you can be given.

In most cases, lenders will offer you the money that you need to take your business to the next level if they are sure that you will repay them.

shake hands

Interest Rate

You don’t have to lose an arm and leg to get the money that you need. For this reason, you should shop around for different loan rates and opt for the lender that offers you the most competitive rates.

Furthermore, you need to confirm whether the loans are fixed or floating. Fixed rates will protect you from inflation, while floating rates give you the opportunity to exploit favorable market conditions. With this in mind, you can hunt for a lender that will provide you interest rates that suit your requirements.

Terms and Charges

When you apply for small business loans, you must be on the lookout for extra charges. For instance, your lender will have to charge you a processing fee. Find out more about the other charges to avoid nasty surprises when you get your loan. And that is not all. You must go through the terms of the loans keenly and ensure that you understand them before applying.


You must select a licensed money lender if you want to be on the safe side. A valid license is a clear indication that you are transacting business with a lender that abides by the law. This means that if anything goes wrong as you transact business, you can seek intervention from the courts.


This is another pointer that you should never overlook. The number of years that the lender in question has been in business will determine whether they will offer you high-end or mediocre service. Apart from checking the number of years that the lender in question has been operating, you must also consider how they have been handling their clients.



You should pick a lender that will give you suitable payment plans. If the payment schedule is not flexible, then you might have a challenging time repaying your loan. Work with a lender that offers you flexible repayment plans to help you to grow your business.

Proper Documentation

When you are getting small business loans from lenders, you should get proper documentation. In case of anything, then the documentation might be used as evidence in court.…

digital marketing

Reasons to Take A Course in Digital Marketing

Digital marketing is becoming a big thing in the modern world. You need to make sure that you know how to do it in the correct way. If you want to learn how to do digital marketing correctly, consider taking a course.
Taking a course will help you to become a professional in the field.

Digital marketing is very wide, and we now have search engine marketing. With search engine marketing, you can grow your business and even start a marketing career. You can read the full review here for the best search engine marketing course. Here are some reasons to start digital marketing:

E-Commerce Is Growing

marketingE-Commerce is growing, and you need to take advantage. We have a new e-commerce website s coming up, and those websites need digital marketing professionals. If you want to take a digital marketing course, you will take advantage of the growing market for e-commerce.

The e-commerce website owners need someone to market their business. Since the proof has shown that digital marketing is growing, you can be confident that there is a need for the skill.

Start a Business

If you want to start your business, digital marketing is important. You need to make sure that you have the skills even before you start the business. By the time you start the business, you will be confident of the skills that you have to offer.

If you are starting a business for selling products or services online, your digital marketing skills will definitely come in handy. It is never a waste of time learning how to do digital marketing like a professional.

Become a Consultant

Becoming a consultant is a prestigious job. If you want to become a digital marketing consultant, you need to get the right training. Consultants are people who have gained skill in a particular field. Taking a digital marketing course will give you the skill that you need.

After taking the course, you will be given a certificate. You can always present this certificate to your potential clients to show that you are a professional. Clients appreciate when you have the right documentation to know that you are qualified.


Earn Money

Everyone wants to make money and get some income. One of the ways to get money and earn some income by is in digital marketing. If you want to make money online, digital marketing is a good option. There are many avenues and options for digital marketing, and you can earn money using different methods.…


Benefits of hiring a small business accountant

Many small businesses owners do not see the need to having an accountant. This often proves to be detrimental considering that business accounts tend to be quite sensitive. If you too are thinking along the same line, its high time you thought otherwise. An accountant plays a vital role in ensuring business growth. They help you prepare financial statements, maintain financial systems, play an advisory role, and preparation and submission tax returns among other tasks. Thus, if you run a business, outsourcing your accounting department to small business accountants Milton can be a great move.

Why you need a small business accountant?

Filing returns

accounts 11

Tax computation and submission is not an easy aspect of any business. Authorities expect you to submit tax returns at the end of every financial year. Failure to do this appropriately might be detrimental to your business from a legal perspective. That said, having a professional help you handle this can save you from lots of troubles. A specialized accountant can help you manage your tax issues without hassle.

Computation of profit and loss figures

At the end of every financial year, a business, whether small or big, is expected to prepare a profit and loss account. This is is certainly not everyone’s job considering there are some technicalities involved. Transactions that have taken place through the year must be analysed and recorded in relevant books of accountant to facilitate this computation.

Only a professional can be able to follow through your books and come out with an accurate figure. Thus, it is advisable to have an accountant for your business all the time. This way it will be easy to have a simultaneous check and take corrective measures in place.

Maintenance of expenditure records

accounting 33Maintaining expenditure records is a big problem for many small business entities. However, A good business should have well-kept expenditure records in place. If you want to maintain your expenditure and avoid the hassles that come along with a last-minute rush, then it is important to have an accountant.

Saves you time

Maintaining an accounting system is not easy especially if you are managing many things at a go. It calls for devotion and dedication if you want to have a good accounting system. Assigning this work to a professional accountant will help you have a sound accounting system. In return, this will help you concentrate on other areas of your business.



The role of entrepreneurship

In a market economy, entrepreneurs are among the professionals that occupy a central position. They play a major role in ensuring that every economic activity is activated. They act like the spark that gets everything going, yet many people do not even understand the role of entrepreneurship. There are those who get it all wrong by thinking that these are just any other type of ordinary people in the markets. It includes the entrepreneurs themselves who seem to believe that they are only meant to make business deals, and earn profits. To help you understand this, even more, the following are some of the roles that entrepreneurs play.

Why entrepreneurship is important

Determining the success of a community


There is no doubt that the most successful communities in the world are the ones that have the highest number of entrepreneurs. This is because they act as a measure of prosperity, an abundance of opportunities, and growth. Without these professionals, you can be sure that there will be minimal economical activities, and people will be in trouble. Needless to mention, every community that wants to proper starts by encouraging your people to get into business. Governments lead by signing business agreements with foreign missions so that they can provide the perfect platform for their people to do business. It is the way the people take up these opportunities that will be the true measure of prosperity and therefore, it is impossible for a community to grow without entrepreneurship.

Triggering production and sales

Trade in any community depends on the surrounding environment. The way people produce products depends on the demand. Therefore, there will be little production if there is no demand. Similarly, there also will be little sales, and this means that the economy will be on its knees. This is one of the roles of entrepreneurship because it acts as the platform on which production of products and their sales is triggered. As a result, a community will experience exponential growth in trade thanks to the efforts of entrepreneurs. They are the ones that will source for the products that have been produced, and find the markets. Therefore, everyone else involved in the chain will be befitting from the role played by these professionals.

Sealing the supply gap

SealingEntrepreneurs also play an important role when they come in to fill the void left in the supply chain. There are those that have products and services to offer, and on the other hand, there are those that need the products and services. The problem is that these two groups do not know where each one of them is and therefore, they need someone to help them connect. It is through entrepreneurship that you can connect these two. Since these are professionals that often identify opportunities, they always will find their way around.

Indeed, it is difficult to imagine how communities would exist with the important role of entrepreneurship. The best part is that more people are going through both formal and informal training, and are waiting to get on the bandwagon. Definitely, entrepreneurship will keep growing for many years to come.…


Hiring a finance manager

If you are struggling with your finances, you should find a professional to help you reorganize them. You may not have the expert knowledge to understand where the problem is, but that does not mean that you cannot be stable financially. Experts can analyze your situation and come up with recommendations so that you know where the problem is, and how to fix it.

Since you can easily find these experts both online and offline, you should know the characteristics that you should be looking for before hiring them. The goal is to ensure that at the end of the day, you are hiring a finance manager that will add a lot of value to your business. Consider the following factors.

Factor to consider when hiring a finance manager


finance manager

Finding a finance manager that has been handling financial tasks is a good thing because you know that they understand their job. Regardless of the problems that you are faced with, experience can help them to come up with the perfect solution. Over the years, they have been serving people like you, and are aware of the challenges that companies, as well as individuals, go through. Because of this, they can assure you that they will have a ready solution to your needs. Studies have shown that those who have many years of experience are more likely to offer better financial management skills than those that are just starting out.


Certified financial managers are people who have been subjected to various tests and examinations. They have been working closely with trusted organizations in the financial sector. Because of this, they have skills and work ethics that other managers lack. For instance, they are under obligation to protect the reputation of the organizations that certified them. Because of this, they will be more professional and ethical in their work. They know the laws that govern financial transactions and will advise against anything that may make the organization to lose its reputation. Also, you can count on them to work towards ensuring that they do not lose their certification because it is one of their greatest tools of the trade.


The best finance managers also have a lot of contacts in the industry. This helps them to solve problems faster, and easily. For example, they will know when to call in a financial attorney to avert a problem. They also know when to file your tax returns to avoid penalties. You can focus on the other important tasks in running your business while knowing that finances are well taken care of. With such professionals, you can easily work with them to take the business to the next level.

If you are thinking of where to find the best professionals when hiring a finance manager, look for recommendations from trusted sources. Find out the organizations that they have worked for before, and how they performed. You also may want to know about their experiences with their previous employers so that you have a picture of what to expect once you start working with them.…

Boston Gal’s Open Wallet


Where does the Fed get $30 Billion to lend – easy when it owns the printing presses
I avoided posting about the Bear Sterns bailout, since I was sure NewsHour would cover the story, and I was not disappointed. Reaction Is Mixed After Fed’s Efforts to Shore Up Economy gives a clear rundown of what happened over the weekend:
And, Joe, let me start with you. Explain as simply as you can, what happened to Bear Stearns?

JOE NOCERA, Business Columnist, New York Times: It’s like something seizes up; that’s really the best way to describe it. There was panic among its counterparties, the people they traded with, that they wouldn’t have the money to pay them back.

So people, gradually first and then with increasing acceleration, stopped trading with them. In fact, hedge funds that did business with them were sending notes to their clients over the last week or so saying, “Don’t worry. We’ve stopped trading with Bear Stearns.”

When you’re an investment bank and you depend on trading, and you depend on liquidity, and suddenly no one will trade with you, it really doesn’t matter how many securities you have, how much money you have. You have no business and the securities that you hold have no value, because no one will trade with them.

So this is a classic — this is the modern version of the run on the bank. And, you know, there’s a reason their stock closed on Friday at $30 a share and by Sunday night they were bought for $2 a share. They had no business.

So I get that the Fed gave JPMorgan a 28 day $30 Billion dollar line-of-credit to help make this deal happen – not a gift of $30 Billion. But the idea that the Fed helped finance this fire sale does make me uncomfortable. What other shoes out there are waiting to drop?
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Monday, March 17, 2008
Free Sample Glad ForceFlex
To order your Glad ForceFlex bag sample click here. – Enjoy!
Labels: Free Sample

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Inflation Intimation

A commenter recently suggested that I replace my Recession Obsession with an Inflation Obsession (since it now appears that the recession is here). Perhaps replace is not the right word, I guess adding the new category is more accurate. So the new category of Inflation Intimation is born.

What is the big deal about inflation and why should we watch out for it? Well, there is the obvious issue of rising prices. A loaf of bread cost $3 last week and this week it is $3.75 – that type of thing. While that hurts your pocketbook today, it is not the worst inflation can due to you. You see inflation is insidious, generally it creeps up on you. Lately it just happens to be racing up on us which makes it more noticeable. While paying a dollar more here and there does add up, it is the longer term impact on your financials where inflation really gets us.

Say I put a dollar away today for future needs. The future arrives and I take that dollar out to pay for my need. Unfortunately inflation has made that future dollar worth less than it used to, so while my need used to cost only one dollar, now it costs three. So past self should have saved three dollars instead of only one if it really wanted to meet future self’s needs…

So this long and convoluted example means inflation = bad and needs to be watched for and more importantly prepared for. So be warned inflation, I have my eye on you!
Labels: Inflation Intimation

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Sunday, March 16, 2008
Money Makeover: Judy and Steve Haibach
The LA Times Money Makeover: Tough problem: What to do with a $1.7-million nest egg? should be reclassified as a spending makeover, since the gist of the recommendation is to stop saving so much and start spending some more.
Judy and Steve Haibach had never dreamed they’d wind up as middle-class millionaires. Now they don’t know what to do with the $1.7 million they’ve squirreled away for their retirement.

Since the high school sweethearts married 35 years ago, they have lived a life of frugality — sharing one car, taking thrifty camping vacations and eating countless brown-bag lunches.

“Whatever was the cheapest thing we could do, we did,” said Steve, 56, a Southern California Gas Co. technician. Judy, 55, is a nurse.

The Haibachs want to retire early, perhaps next fall. But they are faced with the unusual challenge of how to spend their hard-earned money.

“These guys are ridiculously secure. Even if the Great Depression comes tomorrow, they’ll be fine,” said Brent Kessel, president of Abacus Wealth Partners in Pacific Palisades and author of “It’s Not About the Money.”

“Their problem is that they’re going to die with too much money,” said Kessel, a certified financial planner who considers the psychological and financial aspects of money.

The Haibachs need to live it up a bit more and help those who are less fortunate than they, he said. As extreme savers, they can balance their thrift through more volunteering, charity and pleasure-seeking, he said.
While I am happy it looks like the couple can start spending more and can think about how to give more to charity, I just have to wonder how many organizations right now are adding these folks to their mailing lists and call sheets. Nothing like letting people know in a newspaper article that you have excess money and are willing to start giving some of it away…
Labels: Money Stories

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The Boston Federal Reserve would really rather you not default on your home loan
You know things are bad when the head of the Boston Federal Reserve reaches out to the common consumer…

The Boston Globe alerts us to these actions in the article: Boston Fed makes rare direct appeal to hard-hit borrowers while a copy of Eric Rosengren’s, president of the Federal Reserve Bank of Boston, appeal can be found here: Consult the mortgage holder before home is in jeopardy with the helpful subtitle – Interest rates can often been negotiated (I am hoping the original letter had that as “be negotiated” and the typo is the fault of the Concord Monitor, because it sounds a little “Freudian slip” to me – as in interest rates could have been negotiated back when you took out that terrible loan!)

The letter basically points stressed New England homeowners to the website Mortgage Relief Fund and provides some info and contact phone numbers regarding the $125 million loan package available to homeowners caught in bad or unaffordable loans.
For borrowers without easy access to the Internet, the Mortgage Relief Fund banks can be contacted at the following numbers: Bank of America, 800-344-9403; Citizens Bank, 888-411-1145; Sovereign Bank, 800-288-6225; TD Banknorth, 800-281-0025 (x2315); and Webster Bank, 888-681-7788 in Connecticut and 800-635-9191 in Massachusetts or Rhode Island.

To qualify, borrowers’ incomes must be verifiable and sufficient to support the payments. The borrower must have a history of generally making timely payments. The value of the home must support certain loan-to-value limits.

For borrowers who qualify, the savings can be substantial – hundreds of dollars a month, and thousands of dollars a year. For example, if the interest rate on a new FHA mortgage is 6 percent and the initial rate on a sub-prime mortgage was 8 percent, the monthly payment on a $200,000 loan would be about $268 less, for a yearly savings of over $3,200 (and more, had the original loan reset higher). One borrower already helped was at risk of losing her home. Her loan had adjusted from 7.4 percent to 8.9 percent, and was due to adjust again soon. Her new fixed-rate loan is saving her about $250 a month.
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Saturday, March 15, 2008
Time to put a chicken coop in the back yard…
The New York Times article: Costs Surge for Stocking the Pantry notes the rising food prices at your local grocery store:
With a few exceptions, nearly every grocery category measured by the Labor Department, which compiles the official inflation numbers, has increased in the last year. Milk is up 17 percent, as are dried beans, peas and lentils. Cheese is up 15 percent, rice and pasta 13 percent, and bread 12 percent.

No food product has gone …