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Kazakhstan: open to international collaboration

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Kazakhstan is still a relatively young country, about to celebrate 30 years of independence in December, but it has already established a successful innovation ecosystem with the support of government Ministries and often as a result of its First President’s initiatives.  There is no doubt it has the advantage of learning from the best practice of other countries and when you visit its capital, Nur-Sultan, you soon become aware of the scale of its development and ambition for the future.  It is most definitely a country that a UK start-up should have on its radar either as part of its international expansion plans or in terms of the interesting start-ups to be found. Here we take a look at some of the key players.

The Astana Hub which was launched by the First President in 2018 is the largest technopark for IT start-ups in Central Asia.  Its aim is to develop a start-up culture, supporting high-tech projects to strengthen Kazakhstan’s economy.  With various arms it includes a hub space as a corporate business incubator aimed at the development of IT projects.  As of October 2021, Astana Hub includes 555 companies, 54 of which are foreign.  The Astana Hub works and cooperates with local venture funds including QAZTECH Ventures, Quest Ventures, Most Ventures and Qazangels Business Angels Network.  It also cooperates with international organisations including Rutec Ventures and Unbound Innovations both in the UK.

Another initiative of the First President is the Astana International Financial Centre (AIFC), which was launched in 2018, is the newest financial centre in the world and the only one in Central Asia.  It has its own law, based on English law, and its own court and arbitrage.  There are 1,000 companies registered at AIFC from more than 50 countries, including some from the UK, and its particular areas of interest are in Islamic finance, fintech and green finance.  The AIFC Green Finance Centre was created to enable the development of green finance in Kazakhstan and Central Asia. Green finance refers to investments and other financial instruments such as green and social bonds, concessional lending and subsidies for green projects, which are aimed at delivering environmentally friendly, energy efficient and low carbon projects.   As a regional think-tank, the AIFC Green Finance Centre also provides strategic and business consulting in green finance and sustainable development.  It established the first Green Finance Awards in the region and the Green Finance team from AIFC recently held a COP26 event in Glasgow.

Also to be found within the AIFC family is the Tech Hub which helps brings new tech initiatives to Kazakhstan, soft lands them and then builds up new economy streams for the country by building the tech development stream and ecosystem to support these companies and “connecting the dots” with the different Ministries.  There is currently a strong focus on b2b tech including fintech, such as Kaspi which is already known outside Kazakhstan, and b2gov or govtech companies. 

Land-linked not land-locked

One of the attractions of Kazakhstan must surely be its country neighbours and location, which sees for example the Baikonur cosmodrome based in Southern Kazakhstan which is leased to Russia, and there is also a strong presence from Chinese banks as well as the EBRD and Eurasia Bank.   President Shigeo Katsu of Nazarbayev University has a very good description of the country “not as land-locked but as land-linked”.

Without doubt, the University is one of the institutions turning out an educated graduate base to fill the growing employment opportunities in the country.  Nazarbayev University which is also known for its Nazarbayev University Research and Innovtion System (NURIS) focused on high-tech business creation and includes an incubator and business accelerator, offering a 12 week programme and potential investment.  Since 2016, the Cluster has supported 157 start-ups and provided $1m in grants.  It has staged over 3,000 events, 80 hackathons and has future plans for an Astana Business Campus Science Park. 

In summary, Kazakhstan is worth a look – perhaps precisely because it is not yet that well known outside Central Asia in terms of its start-up and entrepreneurial ecosystem.  Air Astana, which is an extremely successful business with two shareholders the Government of the Republic of Kazakhstan and BAE Systems PLC operates direct flights from London, won the Skytrax Best Airline in Central Asia Award 2021 and flies to 45 domestic and international destinations.  Peter Foster, Air Astana’s President describes Kazakhstan as “an emerging market with some challenges but it is open for business and very anglophile.  You have to be all in in Kazakhstan otherwise you’re not in at all.”

Improvements in The Payday Loan Industry

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The payday loan industry has gone through several regulations over recent years after it’s fallen under scrutiny. To understand the rules put into place, we first need to understand the problems they were fixing.

What is a payday loan, and why have they been criticised in the past?

Like all short term loans, payday loans were initially created to help ease the financial pressure of people. Particularly the financial pressures individuals face before getting their monthly pay cheques at the end of the month. Payday loans are paid directly into your bank account, and then once the recipient receives their monthly pay, they are paid in full with interest added on top. However, the main problem with payday loans is that they are straightforward to attain, making it too easy for financially vulnerable individuals to over-borrow. Consequently, this can lead to a lot of people suffering financial hardship. Another reason payday loans have come under scrutiny is because of the high-interest rates. This means the amount a person borrows is significantly different from the amount they must payback.

Consequently, new laws have been introduced which attempt to regulate payday loans for the safety of future borrowers.

What improvements have been made in the payday loan industry?

The Financial Conduct Authority (FCS) was responsible for regulating the payday loan industry.

The first action by FCS was introducing a cap on the interest rates charged on payday loans. They had them capped at 0.8% per day the amount borrowed. Due to problems associated with extensive interest rates, the FCS the cap with another rule stating no borrower should pay back more than twice the amount of their original loan.

Another way the FCS has regulated payday loans is by reducing the admin fees payday lenders can charge for organising loans in the first place. Plus, they have capped penalty fees which can be charged when a borrower fails to meet the conditions of their loan.

Furthermore, the FCA has also made it mandatory for payday lenders to list their loan rates on at least one price comparison site to prove their legitimacy. This has also helped improve the competition and price transparency in the payday loan industry.

Since these regulations have been in place, reports by Citizens Advice have found that borrowers are less likely to find themselves in financial difficulty, permitting they can communicate their challenges with their lenders.

This observation has made room for further suggestions on how the payday loan industry can be improved. It suggests that lenders can provide alternative payment plans if borrowers can articulate their challenges. Therefore, further improvements can be made, such as making the line of communication between the lender and borrower better.

In conclusion, many of the regulations on the payday loan industry have improved it in more ways than one. However, there is still a lot more that can be done to improve the industry for lenders and borrowers.

How You Can Use Your Mobile To Make Payments Online

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While most people know that you can enjoy online gambling on your smartphone, many don’t know that you can actually use your mobile to make payments to play at UK online casinos. In fact, there are several methods that allow you to make payments, and you can discover all about them here.

Casino Payment Methods in the UK

Before we discuss the mobile payment methods available for you to use, we’ve got to discuss which payment options are currently accepted in the United Kingdom. Although cryptocurrencies are not yet allowed and credit cards were banned by the Gambling Commission in April 2020, the UK gambling industry is widely accepting of payment methods.

According to www.smartphonecasinos.co.uk, most UK online casinos accept debit cards and PayPal. Other methods widely used by UK mobile casinos include e-wallets like Skrill and Neteller, bank transfers, and pre-paid cards such as Paysafecard and AstroPay Card.

Mobile Payment Methods

Alongside the above payment methods, some online casinos accept specialised mobile payment methods that allow you to use your phone to make payments. The most common methods are Boku, Payforit, and Apple Pay, which you can read about below.

Boku

Boku is one of the most popular mobile payment methods. In short, Boku allows you to make a deposit at a casino through your mobile by either adding the deposit to your monthly phone bill if you’re on a contract or by deducting the money from your pay-as-you-go credit. Boku has partnered with networks like O2, EE, Vodafone, and Three in the UK to provide this service, and has previously worked with Orange and T-Mobile too.

Boku is incredibly easy to use, but there are some disadvantages to using it. Most casinos charge you fees for making deposits via Boku, and the payment method cannot be used to request a withdrawal, which can be incredibly disappointing. In some cases, casinos may prevent you from claiming bonuses when making deposits via Boku.

Payforit

Similar to Boku is Payforit, which allows you to make a payment via your mobile phone contract or by deducting the deposit from your pay-as-you-go balance. Many mobile casinos accept Payforit as a valid method, but it can be listed under various names, including Pay By Phone, Pay Via Phone, Pay By Mobile, and several others. Regardless of the name, the methods all work in the same way.

Apple Pay and Google Pay

Finally, Apple Pay and Google Pay can also be used on mobile devices. These methods generally work in the same way; you add a debit card to the app or system and then, depending on your smartphone, use your face or fingerprint ID to confirm the transactions. Alternatively, you can simply enter your password. All of this adds an extra layer of security to the transactions, making them one of the safest to use.

What Are The Best Payment Methods For UK Casinos?

The best mobile payment methods for UK casinos will generally depend on your requirements and needs as a player. Most payment methods will take several business days to process withdrawals, but some will be faster than others. Some of the methods mentioned here are more likely to be accepted by mobile casinos than others, and some like Boku may have fees attached.

To work out what the best payment method for you is, you’re going to need to do some research and take a look at which payment methods are accepted at casinos you’re interested in. From there, analyse the advantages and drawbacks of each until you’ve found the payment method that works best. That’s it!

Complete Guide To Work Team Building Activities

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A team is not only a group of people put together to work on a project, it’s important to make sure the team members work together so the whole team can be more effective, efficient, and productive in achieving its goals. 

However, building a cohesive team is often a tricky task. While work team building activities can certainly be effective, relying on overused activities can be counterproductive, leading to team members feeling demoralized and even embarrassed due to the cliché. 

Every team is unique, and every team member is also unique, so it’s crucial to choose work team building activities that are the right fit for your team’s specific needs and preferences.

In this guide, we will discuss how. 

Benefits of Work team Building Activities

  1. Building camaraderie and cohesiveness

A very common issue in teamwork is the lack of or poor communication between different team members. Your team members may come from different backgrounds, and for remote employees, language and cultural barriers can also be an issue.

When implemented properly, team building activities can help break down barriers, build camaraderie, and develop communication skills in individual employees. Various team building activities are designed for team members to learn more about one another, which can be crucial in the long run. 

  1. Repair broken relationships and strengthen healthy ones

Workplace relationships are always dynamic and are prone to conflicts. 

Again, your team may consist of people with different working styles, personalities, and priorities, so team building activities can be a great way to break down barriers, repair conflicts, and strengthen already-working relationships. 

Team members with better relationships are more likely to collaborate with each other and help each other in achieving collective goals.

  1. Better customer service

Happy and satisfied employees are more likely to provide better services to customers and/or make better contributions in delivering a better product, which in turn will lead to better customer service. 

  1. Improved productivity

When your team members work together as a cohesive team, they’ll naturally be able to accomplish more than the sum of their individual efforts. When implemented correctly, work team-building activities can help facilitate cooperation and collaboration in your team. 

Work Team Building Activities: Best Practices

As discussed, work team building activities are only effective when they are done right. If not, they can be counterproductive and may discourage and demoralize your team instead. 

With that being said, here are some best practices to follow: 

Know your goals ASAP

What is the purpose of the work team building exercise? 

You are going to use your employees’ valuable time for these activities, so it’s important to make sure they are purpose-driven. Don’t do team building activities just for the sake of having some fun or taking a break, but these activities should be designed to solve clear business challenges: resolving conflicts within a team, onboarding a new employee, and so on. 

Know your participants

Different team members may have different preferences and needs: some may be more ongoing in nature, but some may be more introverted.

Choose an activity that is inclusive for all participants so everyone can actively participate. For example, if there are some of your employees with physical disabilities, avoid activities that are physically challenging. 

In general, work team building activities should be challenging enough to engage the participants, but they shouldn’t potentially leave out, or worse, humiliate participants. 

Time it well

As a general rule of thumb, the work team building activities should not take your employees’ valuable time so they have to compensate with extra hours, also, they should occur during normal business hours.

Monitor your employees’ workloads, and plan the event during the least busy time in your schedule. Revise deadlines and invest in temporary staff if necessary to maximize participation. 

Also, check vacation schedules, so the team building activity doesn’t happen when too many members of your team are on their day-offs. 

Monitor and evaluate

Monitor the execution of the activities, and evaluate how your team performs after the activity is over. Check whether there are any positive reinforcements in your team’s or individual employee’s performance based on the objective(s) of the activity. 

Collect feedback from participants so you can gather valuable insights about the activity and your team’s thoughts about it. 

Evaluate whether the team building activity has a lasting effect in weeks and even months after the activity, and assess what’s working (and what’s not) so you can design your future activities better. 

Encourage collaboration

Many work team building activities are competitive in nature, but it’s crucial to remind participants that these activities are designed to improve teamwork and collaboration, and they shouldn’t focus on winning the competition alone. 

To tackle this issue, it’s generally better to choose activities that encourage participants to work together in teams to solve a problem. Or, if it’s a competitive activity, break down participants into teams so they’ll still need to collaborate with their designated team.

Go offsite when you can

If possible, organize the team building activities offsite so your team can “escape” the confines of your office. A new environment may encourage participants to more freely communicate and share with others. This doesn’t have to be too complex: go to the nearest park (for outdoor activities), and you can book an offsite meeting space for indoor activities. 

Consistency is key

When an activity brings positive results, you may want to plan it as a regular event. Consistency is key if you want your activities to produce lasting effects. However, don’t conduct the activity too often, or your employees might get bored with it. 

Closing Thoughts

Whatever the work team building activities you plan, ideas won’t really matter without the right execution, and this is why it’s crucial to have Eventtia to help you plan, manage, and seamlessly implement the work team building activities with ease. With Eventtia, you can effectively plan your event, monitor and track participants’ participation during the activities, and more. 

By following the tips and guidelines we’ve shared above, you are now ready to plan an effective work team building activities program for your team to improve their morale, cohesiveness, and ultimately, productivity. 

Optimizing Business Workflows for Productivity and Efficiency

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All businesses deal with business workflows. 

Some might involve only one straightforward workflow, but other businesses might apply intricate, interconnected workflows in their day-to-day operations. 

Nevertheless, how efficient these business workflows are will directly dictate how productive and profitable a business will be. All workflows will always have some form of inefficiencies, and some may severely impact business performance. 

Thus, managing and optimizing business workflows is very important if you want to improve your organization’s productivity and efficiency. 

Trying to find ways to optimize your workflows but don’t know where to start? You’ve come to the right place. Here, we will discuss all you need to know about optimizing business workflows, and let us begin right away. 

What are Business Workflows?

A business workflow is a set of tasks, typically sequential, that, when completed, will accomplish a specific business objective. 

These sequential tasks will either: 

  1. Process raw data into a processed format, or
  2. Process raw materials into a finalized product

The term “business workflow” is often used interchangeably with “business process,” but although they are indeed related, they aren’t the same. 

To explain this, we have to understand that there are three different types of business workflows: 

  1. Process: when the workflow is repeatable with predictable steps, it is a process. In a restaurant business, cooking the signature dish is a process. 
  2. Project: the workflow has predictable steps but is non-repeatable. With the same restaurant example, renovating the restaurant’s interior is a project. 
  3. Case: the workflow’s steps aren’t predictable, although the workflow can be repeatable. Again, with the restaurant example, taking a customer’s order is a case; the steps will only reveal themselves when you get more information about the order from the customer.

When discussing business workflow optimization, typically, we refer to optimizing a business process, but we can also apply the same principles to optimizing a project management workflow

The Benefits of Optimizing Business Workflows

Now that we’ve learned about the concept of workflows, as well as the different types of business workflows available, why do we need to optimize business workflows in the first place? 

Here are the top benefits of identifying, mapping, analyzing, and ultimately, optimizing business workflows: 

  1. Improved efficiency and productivity

An organization’s efficiency is dictated by how efficiently its workflows are executed. 

Workflow analysis as a core aspect of optimizing business workflows is performed continuously to identify bottlenecks and redundant tasks that add no value, allowing the organization to eliminate these efficiencies. 

By ensuring important workflows and documented (mapped) and optimized, we can improve each of these business workflows’ efficiency, which in turn will improve the organization’s overall productivity and efficiency. 

  1. Standardized workflows to eliminate errors

Before we can optimize the workflow, a workflow must be mapped and documented into an accurate workflow diagram. 

This workflow diagram will provide a standardized roadmap for all stakeholders involved in the workflow, so they can all have the same vision on how to execute the workflow. This will help in eliminating confusion and reducing the risks of errors. 

Accurate workflow documentation can also help to identify errors as quickly as possible, and when errors occur, they can be more easily traced back to the source. 

  1. Reduced micromanagement

It’s no secret that micromanagement can be destructive both for the manager, the managed, and the company as a whole.

Optimized business workflows effectively eliminate the need for micromanagement since the workflow documentation will allow managers to accurately map all the tasks and steps required to execute the workflow, educating the employees about their specific duties. So, employees can effectively execute the task accurately without needing to be manually instructed by the managers each time. 

  1. Data accessibility control

It’s common for organizational tasks to require employees to gain access to confidential data and information before they can do their job. However, it’s also crucial for the organization to only provide access to confidential and sensitive information when it is absolutely required. Not only giving access to unnecessary information can add vulnerability to the confidential data, but it can also cause additional delays and confusion.

By mapping and optimizing business workflows, we can know for sure who is responsible for which task and which information is required by different stakeholders. Thus, data accessibility control will be much easier to manage. When data is required for a specific task, we can give access quickly, and similarly, we can revoke access to unnecessary data as quickly as possible to avoid additional risks. 

  1. Enabling automation

Implementing automation to tasks within the workflow or the whole workflow can certainly improve the workflow’s efficiency and reduce the risks of human errors. Automation can also free up valuable employee’s time from doing redundant tasks so they can focus on more crucial tasks on the workflow. 

However, it’s crucial to understand that automation should only be implemented on workflows that are already efficient. Automating inefficient workflows will only end up amplifying its inefficiencies.

So, only after we’ve optimized business workflows should we think about implementing automation, not the other way around. 

How To Optimize Business Workflows

We can optimize business workflows in three basic phases: 

  1. Business workflow mapping: visualizing business workflows in the form of a workflow diagram. 
  2. Business workflow analysis: analyzing the workflow diagram to identify inefficiencies and develop an optimization plan
  3. Business workflow optimization: based on the results of the analysis process, we can optimize the business workflows

In practice, we can execute these three phases in just five basic steps: 

Step 1: Picking a business workflow

This step should be pretty straightforward if your business only involves one business workflow. If you have more than one business workflow, while the ultimate goal is to optimize all workflows, we should start with one. 

You can either: 

  • Pick a workflow with apparent issues and inefficiencies so you can fix the problem ASAP.
  • Pick a workflow with the highest potential impact for your business in the long term.
  • Pick a workflow that will directly help in improving customer satisfaction (i.e., fixing your product’s flaw, shortening queue time, etc.)

Also, consider your business’s overall objectives when picking a workflow you’d prioritize to optimize. 

Step 2: Data gathering

Once you’ve picked a workflow to optimize, the next step is to gather as much information as you can about this specific workflow. 

Observe the business workflow when it’s being executed, and interview key stakeholders involved in the workflow to identify the following information: 

  • The start and endpoints for the business workflow
  • All the steps and tasks involved in the workflow
  • Who’s responsible for executing which tasks
  • The sequence tasks must be executed 
  • The deadline for each task
  • The information and resources required to accomplish each task

Step 3: Business Workflow Mapping

Once we’ve gathered enough information about the workflow, the next step is to visualize the business workflow in a workflow diagram. 

We can map the workflow with various techniques, but the most popular way is to use an ANSI standard flowchart. 

In a flowchart, we’ll use different shapes and symbols to represent the various actions in the business workflow. 

here are the most important ones for workflow mapping: 

Terminator: the oval shape represents the start and end points of a process

Operation: rectangle represents a specific task that is performed

Decision: diamond represents a point in the process where a decision must be made (i.e. Yes/No) before we can move on to the next step. 

Arrows: connecting different shapes in the process, representing the direction and flow of information

While you can start with a pen and paper to draw your workflow map, it’s best to use a workflow builder from your business workflow management software, so you can also perform the next steps in the same application. 

Step 4: Workflow Analysis

Once we’ve got an accurate as-is workflow diagram, the next step is to analyze the workflow by considering: 

  • The objective of the workflow and the purpose of each task
  • Whom is the workflow supposed to benefit/serve?
  • The requirements for success for this business workflow?
  • Whether all steps are needed, or some can be replaced/eliminated?
  • Whether there is an opportunity for automation
  • Whether everyone has enough information to perform their task and make their decisions
  • Whether there are any bottlenecks and inefficiencies

Step 5: Optimization

Based on the analysis, we can optimize the business workflow to eliminate its inefficiencies. It’s crucial to remember that the optimization won’t be initially perfect, and we’ll need to go back to step 4 and re-optimize the business workflow continuously. 

Involve the employees and stakeholders to review the improvement. Again, gather as much data as possible on how we can further optimize the workflow. 

Closing Thoughts

Optimizing business workflows should be the concern of all businesses who’d like to improve their productivity. 

While it might seem complicated at first, business workflows can be optimized in just three phases: mapping the workflow, analyzing the workflow diagram, and implementing changes. 

By following the step-by-step guide, we’ve shared above and our actionable tips, you can start optimizing your business workflows right away. 

Binance Coin (BNB) Price Prediction by Experts

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Binance Coin Price Prediction: Is It A Good Investment?

Why do traders invest in Binance Coin? In many cases, the only reason is to get an additional fee discount on the corresponding exchange. However, as with any other crypto, it can also be used for trading or long-term investments. Is it a promising idea? Learn from our expert review.

Binance (in short ― BNB) is a token issued by the similarly-named blockchain network. It performs a set of diversified functions within the network:

participation in token sales;

·   boosting the network;

·   serving as a payment means for trades;

·   providing owners with extra discounts on the services provided by the exchange (within its VIP program);

·   offering an opportunity to contribute to charity programs organized by the company.

Thus, it is bought and held by the clients of this company in the first place. Yet, if you consider that, as of now, it is the most commonly used and intensely growing crypto exchange, you will understand that the popularity of this asset is likely to continue increasing in the near future and propel its value and liquidity.

Let us mention the advantages and disadvantages of this crypto so that you can form your own Binance coin price prediction.

Pros:

·   the most frequently used utility token;

·   a discount tool for the clients of the exchange;

·   it is kept stable and continuously growing due to the burndown procedures;

·   as of now, this crypto exchange is the biggest on the market;

·   due to huge investments in technology, this crypto trading platform has the potential to beat Ethereum.

Cons:

·   unlike other cryptocurrencies, it is centralized;

·   certain governmental and financial regulators make attempts to close the company;

·   this network is frequently attacked by hackers, due to its influential position (yet, no one has managed to break into its security system so far);

·   its prospects depend on the demand for this technology.

In sum, expert forecasts about this coin are rather optimistic. So, if you are interested in crypto trading, we would definitely recommend including BNB in your portfolio. Still, keep in mind that crypto is an asset characterized by high volatility and associated with significant risks so do not put into it more than you are ready to lose. And the latest prompt ― it is better to buy this coin on Binance as it is its native network, which provides extra benefits to its users. But you can also turn to Webull, eToro, KuCoin, TrustWallet, or Crypto.com.

Where to Buy Ethereum: Top Platfor

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Do you plan to invest in Ethereum and search for a reliable exchange service with minimum commissions? Then, our review will certainly come in handy. We will both provide you with our top list of services and have a few words about the coin itself, its advantages and disadvantages.

As you know, now is the period of exponential growth of crypto. Yet, Ethereum (Ether) takes a special position. It is not only the second most expensive coin but also an indispensable component of such technologies as NFTs and smart contracts.

To save your time and effort, let us mention the major benefits and problems associated with this asset so that you can quickly understand whether it is of any interest to you.

Pros:

·   decentralization (no control or charges on the part of banks or authorities);

·   availability of loans that are not limited by a traditional score system;

·   use for smart contracts;

·   utilization for NFTs ― unique tokens that represent ownership rights on physical and intellectual properties;

·   a universal network, which can be adjusted to any crypto trades.

Cons:

·   lack of regulation and risk of fraud;

·   increased volatility, which is characteristic of all cryptos;

·   uncertain prospects of all coins due to regulation attempts.

So, if you are interested, let us find out where to buy Ethereumat the most advantageous terms. After analyzing the most popular services, we recommend you turn to Coinbase, Binance, Webull, Kraken, or Robinhood. All of these platforms offer proper funds protection and regulation along with highly competitive fees. Still, their terms may differ a bit, so be sure to visit all of them before making the next step.

Besides, our experts compiled short instructions on how to purchase this coin so that you cope with that without unnecessary complications:

·   Sign up for an online exchange chosen. We will take Coinbase as an example. To register on it, you will need to type your name and email address and compile a complicated password.

·   Pass verification. It is a common demand on every legal source. So, you will be required to provide a copy of any ID that includes information about your full name and address.

·   Choose a payment method. If you live in the USA, you can use debit and credit card transfers, PayPal, Apple Pay, ACH transactions, and wire payments.

·   Make your first deposit (note that there can be a minimum limit).

·   Buy an amount needed. Find the button “Trade” on the left and select “ETH”. You can purchase both a whole coin (or coins) and a fraction of your choice.

To conclude, as of now, Ether looks like crypto with huge prospects due to smart contracts, NFTs, and other innovations supported by the company. Still, after a purchase, stay aware and watch the situation to be on the safe side.

How to Invest in Ethereum: Instructions for Newbies

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Have heard of Ethereum but do not know whether it is worth buying? As of today, it is the second most valuable crypto on the market after Bitcoin. Thus, familiarizing oneself with it is a must for every trader. Luckily, we have compiled a review where we will explain what it is and whether it is a good choice for investments.

So, the name Ethereum (Ether and ETH) can be used in two ways. First of all, it is a popular cryptocurrency based on blockchain technology (similarly to Bitcoin). Yet, it is also a programmable network for buying and selling other cryptos for a minimum fee. Its unique feature is the support of diversified coins, including Bitcoin. Another crucial point is that it promotes smart contracts that allow transferring money and other assets without involving any intermediaries and paying huge commissions for their services. Also, it has the potential to fix the problems of fiat currency devaluation and financial inequality.

Obviously, taking into account the benefits mentioned, overall boom in the crypto market, and a recent increase in the price of this asset by 900% (over the last year), this investment opportunity is definitely worth considering.

Here are short guidelines on how to invest in Ethereum:

1. Register on a crypto exchange. In practice, you can choose any licensed service that supports this coin, but our top list includes Coinbase, Binance, and Kraken as they charge the lowest fees. In this guide, we will discuss Binance as an example, but most exchanges work very similarly. For registration, you will need to disclose your email or mobile number, as well as confirm your identity. According to the rules, you will be asked for a photo of your passport or driver’s license.

2. Analyze the situation on the market. Type the name of the crypto in the search bar and open the very first link. There, you will see the chart and recent statistics.

3. Deposit funds to your account. In case it is your first transfer, you will need to link and verify your bank account first. Press “Deposit” ― “Bank Account” ― “Add Account”.

4. Buy the crypto. Press “Buy/Sell” on the right, then choose “Sell”, and click on the name of the coin. Now, you can specify either a sum you want to invest or an amount of crypto you want to buy. Then, preview the details of the order for extra safety and click on “Buy”.

Besides, you can also buy this coin via decentralized exchange or online wallet. Another available option is to try mining it if you have experience in coding and a suitable computer.

In conclusion, we would like to say that Ethereum is one of the top coins for investments so far. Yet, like any other crypto, it is subject to certain risks connected with the perspectives of this technology.

Why and How to Buy Coinbase Stock?

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As a rule, traders treat Coinbase only as an exchange service for trading crypto. Yet, it is also a rapidly developing company with a huge client base of more than 40 million people and unprecedented market capitalization. Thus, it can justly be called a perfect choice for stock investments. Want to learn more about this opportunity? See our review.

Coinbase Global (or COIN) is a fast-growing online international exchange that offered its stock to the public market a few months ago ― in April 2021. And, over such a short period, it managed to grow in price to about $330 so far, while its initial price was $250. As of now, this company can boast about 260 million shares and a capitalization of around $86 billion, which is record-breaking compared to other online exchanges. Hence, it is not surprising that so many experts are certain of its cheerful prospects as an investment project.

So, let us give you step-by-step instructions on how to buy Coinbase stock:

1. Make an account on a stock trading service chosen and deposit it. We recommend you try Webull as it does not charge any commissions for stock trades. Besides, you can safely turn to Binance or eOption. Be ready that, like any other legitimate exchange, it requires its new clients to pass through identity verification procedures. That usually takes 1–2 days.

2. Deposit your balance. After your identity is confirmed, you can safely make your first deposit via ACH or wire transfer. Again, that can also take 1–2 days.

3. Open the stock page of COIN and scrutinize it. Find the search bar at the top and type the name of the stock you are interested in. So, you will be provided with all the basic information: the real-time quotes, Nasdaq’s last sale, opening rate, highest price, volume, market cap, etc. Make a deep analysis to determine whether it is a good time to make an investment.

4. Check the section “Analysis”. There, you can familiarize yourself with recommendations by experts ― the rating and the prompts whether you should buy or sell this stock at a current moment.

5. Make a purchase. Open the page with the corresponding quote, select between a share and a set price, pick up a payment method, and confirm your request.

In sum, as of now, Coinbase stock is one of the most promising choices. This company is currently going through a period of rapid growth. There are certain risks related to cryptocurrency regulation perspectives, but, in general, most forecasts are positive.

Socially responsible investing: is it possible?

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Every action you perform has an impact: on the environment, on the current social situation of the place you live in and on the world. The same goes also for your investments, if you choose socially responsible financial products, you can reduce your impact on the world from different perspectives.

Socially responsible investing: what is it?

On the basis of various analysis, it comes out that more and more investors are now ready to change the financial products in which they invest their capitals. This shift lies in the sustainability of the investment that most people prefer. Nowadays, it is possible to build a socially responsible investment portfolio because there are funding instruments which pay attention to specific issues related to their sustainability.

The measure of the sustainability of an investment is known with the acronym ESG: Environmental, Social, Governance. These are the three essential criteria for defining the sustainability of a financial instrument, by measuring its performance in these three specific areas. Therefore, we speak of the impact of a financial instrument, a company, a society on the environment in which it operates, on the social sphere in which it is active, also thanks to the type of governance it adopts.

How to invest sustainably

As stated above, today it is possible to invest sustainably, since credit management companies offer their customers the opportunity to check the ESG performance of a financial instrument. Hence, there are ESG funds, attentive to the environment, social issues, the way governments operate on society and the labour market, the type of salary that the employees of a company earn.

These are measurable parameters, which allow the investors to think long term, not only in terms of future earnings. An investment portfolio based on ESG parameters allows investors to support a cause that, in the long run, will change the world we live in for the better. An action that anyone can undertake nowadays, taking advantage of indicators already available at most of credit management companies.

What are ESG mutual funds

ESG indicators can be applied to any financial instrument. In fact, credit management companies offer this indicator for multiple types of investments, it is up to the individual investor to choose what he or she prefers. Thanks to the current legislation, we can state that these indicators are real and truthful.

The so-called SFDR, a new set of rules on the disclosure of information relating to sustainability in the financial sector, came into effect from 10 March 2021. This regulation establishes different rules that affect the transparency of ESG mutual funds with regards to sustainability risks. In fact, it led to the standardization of information regarding the ESG area, so that these parameters are based on a shared and unambiguous vision. Therefore, this allows to give even greater weight to ESG indicators and the possibility of highlighting sustainable funds from all points of view.

A sustainably managed fund

A fund with a high ESG parameter therefore must commit to invest in specific areas. This is the core concept, which it translates into specific checks and assessments regarding actual daily practice.
An ESG fund must therefore pay close attention to the environmental and social impact of the companies and products in which it invests; however, it is a secondary aspect which it remains measurable by the credit management company that promotes it to its customers.

The credit management companies can prepare an in-depth and careful assessment of the sustainability profile of a fund. However, it is clear that a deviation from reality is always possible, as events that could modify the ESG parameters only affect it throughout the years.

Where to find ESG funds

An ever-growing number of investors are particularly attentive to their impact on the environment and society. These are very important issues felt by a large number of people, who also consider them when they choose the products to include in their investment portfolio. Thanks to this, today more than ever it is possible to find ESG funds with greater ease.

Online investment platforms also offer this type of solutions and professional tend to recommend them to their clients.

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