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Is Spread Betting a Better Way to Make Money on Stocks?

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The average casual investor thinks of buying shares as the primary means of investing in stock markets. This is not without reason. Most people who play the stocks do so by actually buying shares. Still, there is another way to go. Rather than buying the underlying security, investors can bet on its movement. This form of investing is known as spread betting and has tax benefits in the UK.

Spread betting is pretty big here in the UK. It is so big, in fact, that spread betting platforms for UK traders abound. But is this form of investing better than actually buying stocks and shares? It has its upsides, but spread betting has its downsides as well. You can make and lose money – just as you can buying securities.

A Basic Definition

In a generic sense, spread betting is betting on the outcome of a particular event based on a spread tied to some means of measurement. Spread betting in the stock market is essentially betting on the movement of a particular stock. You place a bet based on whether you think the price will increase or decrease over a set amount of time.

If you bet correctly, you make money. Bet incorrectly and you lose. It is quite simple in principle. One of the advantages of spread betting is that you can get into it with less money than would otherwise be required to purchase the security in question.

How Spread Betting Works

Spread betting is common on stock markets. You can also bet on commodities, currencies, and even fixed-income securities. The type of security becomes irrelevant because you are not actually purchasing it. Here’s how it works:

You choose a stock you are interested in. You decide whether you think the price is going to rise or fall over a set amount of time. You then place a bet on that decision. Let’s just make something up – the Generic Stock Company (GSC).

GSC is currently trading at a bid price of £100. You believe it’s going to fall to £90 over the next several days. You decide to bet £1 on every point below the £100 mark as represented by the ask price. Then you wait. If the ask price falls to £95, the difference between the original bid and the current ask is five points. Multiply those five points by your £1 bid and you have made a profit of £5.

Profit and loss are determined by multiplying your bet by the point difference in either direction. If GSC were to increase to £105, you would have lost £5.

Obviously, people who spread bet as a means of making money in the stock market generally deal with much larger sums of money. This is important because spread betting platforms require minimum deposits based on margins.

How Margins Work

In a traditional stock market investment, you might borrow money from a brokerage in order to buy securities. An investor typically has to put some of their own money in too, similar to making a down payment on a house. The difference between the investor’s money and the amount borrowed is known as the margin.

At any time, the brokerage could call the margin. That means the investor would be required to either repay what was borrowed or deposit additional funds to raise their account value.

A margin in spread betting is a little bit different. Rather than being money contributed in conjunction with a brokerage loan, it is simply a percentage of the security’s value. So let’s say your broker’s margin on GSC is 10%. Before you can place your bet, you would be required to deposit £10 – i.e., £100 x 10%.

Volatility Rules the Day

There are people who love spread betting because it doesn’t cost them a whole lot, comparatively speaking, to get in on the action. A 10% or 20% margin is a lot more doable than paying full price for a security. The downside is volatility. It rules the day in the spread betting arena.

At issue here are margin calls. Inexperienced investors who do not know what they are doing could lose a bundle by taking positions they cannot possibly support with limited deposit accounts. For this reason, experts suggest not putting more than 2% or 3% of your investment funds into spread bets.

Along those same lines, spread betting firms have been known to protect themselves during periods of excessive volatility by widening their spreads.

More About the Spread

Spread betters appreciate that there are no commissions on spread bets. Instead, brokerages make their money on the spread. The spread is the difference between the bid and ask price. Using the previous example, imagine GSC’s bid price is £100 and its ask price is £102. The spread is 2% of the ask price, or £2.

If you are thinking GSC will fall, you place your bet on the ask price. The difference between the eventual ask and the starting bid is the spread on which your profit is derived. The brokerage earns the difference. If you think GSC will rise, you place your bet on the bid price. The difference between the eventual bid and the starting ask is the spread on which your profit is made. Again, the brokerage makes money on the difference.

Big Gains and Losses

As for whether or not spread betting is a better way to make money in stocks, that really depends on your appetite for risk. The fact is that spread betting is open to significant gains and losses. You could make a bundle just as easily as losing your shirt. But you have to be willing to take a significant risk.

The danger of spread betting is its limited amount of time. You are betting on movement over days or weeks. On the other hand, buying a security is open-ended. You can hold onto it for as long as you want. That way, if its value falls tomorrow, you can hold until it regains those losses and earns more. You can hold for 20 years if that’s what it takes to derive the profit you’ve been hoping for.

While it’s possible to take a long-term position with spread betting, doing so is not necessarily in your best interests due to the ever-present potential of a margin call. Most spread betters deal in short-term contracts lasting no more than a few days or weeks.

Yes, you can make good money spread betting. You can also lose big. In the end, it boils down to your appetite for risk.

Coronavirus Vaccines; What You Need to Know

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So far, the UK has recorded over 3,998,665 cases of coronavirus infections. Out of these, more than 115,529 deaths were witnessed, with the number of patients who have recovered standing at 2,056,021.

So dire has the situation been that the country has had to be placed on lockdown. Twice. 

However, the silver lining is that despite the escalating cases, there are vaccines in the offing, which promise to save a lot more lives and forestall future infections.

Nonetheless, most people are still in the dark about how Covid 19 test kits and vaccines work, whether they should have faith in them, and what the consequences of not getting vaccinated are.

We look at all these issues in this feature and discuss answers to other frequently asked questions on vaccines.

Vaccines

Vaccines are biological preparations designed to help the body build resistance to particular infections.

The term ‘vaccine’ is ordinarily used interchangeably with ‘inoculation’ as both mean the same thing.

The best vaccines take the form of active immunization, which protect an individual from the repeated incidence of a particular infection.

Active vaccines may be developed in two ways;

  • The first is the natural method, where a person who has recovered from a particular disease develops antibodies against that illness. 

Thus, the antibodies formed by the body act as foot soldiers and fight any future recurrence of the illness.

  • Active vaccination may also be artificially triggered through the deliberate introduction of the pathogen in a person.

Where artificial vaccines are used, controlled amounts of the disease-causing pathogen are introduced into a person’s body to provoke the body to produce the corresponding antibodies.

Persons who have been exposed to Coronavirus have been shown to naturally develop these antibodies. To learn about your Covid-19 antibody status, you can secure Covid-19 antigen test kits from handstations.co.uk.

How Vaccines Work.

Natural immunization is seen to occur in cases such as chickenpox, where a person who recovers from the illness develops specific antibodies that fight the illness-causing pathogens in the future.

In such a case, the person is said to have developed a natural immunity to the disease.

On the other hand, where a vaccine is administered, what happens is that the individual receives an injection containing the antibodies designed to fight against a specific disease.

In this case, a person vaccinated against measles, for example, is placed in a position to fight the pathogens causing measles should his body ever encounter them.

The Coronavirus vaccine is designed to work in a similar fashion. It is intended to enable the body to recognize the SARs-CoV-2 virus and fight it using antibodies.

It is a smart way to fight an illness without necessarily having to fall ill.

Where a mass of people fall ill, recover, and produce antibodies, they are said to develop ‘herd immunity.’ 

However, the WHO encourages countries to facilitate herd immunity through artificial vaccination.

This is because, with artificial inoculation, the target population has better chances at lifelong immunity as opposed to the trial and error method of natural immunity (which might leave some members of the community exposed). 

When it comes to the Coronavirus vaccine, the approved varieties are all being administered in two doses. The second dose is administered 14 days after the first round.

Vaccine Approval in the UK.

In the United Kingdom, the Medicines and Healthcare products Regulatory Agency (MHRA) is the body tasked with the duty of ensuring that all vaccines (and other medicines) are safe for use.

The Agency does this by regulating the clinical trials for the vaccine and approving those that are proven to work.

Clinical trials must also receive a nod from the NHS Research and Ethics Committee and from the Health and Safety Executive (HSE) before they can be undertaken.

So far, the MHRA has approved the following vaccines for use in the UK:

  • Pfizer/ BioNTech Covid-19 vaccine.
  • Oxford/ AstraZeneca Covid-19 vaccine.
  • Moderna vaccine.

Who Needs Vaccination.

All persons need to be vaccinated against Coronavirus. Nonetheless, the government is giving priority to particular groups of people. 

Presently, the government aims to administer vaccines to over 15 million people in the UK, with persons aged over 70 and healthcare workers being prioritized.

The reason for this is that these two categories of people constitute high-risk individuals due to their heightened risk of contracting the disease.

So far, 12 million people have received the first round of vaccines.

Vaccines and Immunity.

As mentioned earlier, the Covid-19 vaccines come in two doses. 

According to the WHO, there is a relatively good immune response after the first dose of the vaccine, and the second round only serves to ramp up this immunity.

However, as of now, the WHO is yet to ascertain how long this immunity lasts.

It is also worth noting that a person can still test positive for Covid-19 soon after inoculation.

That is because the body may take up to two weeks to develop the antibodies that facilitate immunity. 

Consequently, it is possible to contract the disease during the two-week window, and therefore, inoculation should not be presumed to result in immediate immunity.

Effects of Failure to Vaccinate.

A general mistrust against inoculation may lead some people to opt out of getting the Coronavirus vaccine.

Groups colloquially known as the ‘antivaxers’ have led spirited campaigns against the efficacy of vaccines in the past.

While some of the concerns raised may seem valid in theory, most of these arguments fall by the wayside in light of scientific research and want of scientific backing. 

Failure in vaccination against Covid -19 can only mean one thing- the continued prevalence of the disease. So far, it has been a losing battle without the aid of Covid vaccines.

But no matter where your stand on vaccination is, the best remedy against Covid -19 remains the observance of the WHO protocols of wearing a mask, social distancing, and regular hygiene.

Stock Plan Strategies Investors Need to Achieve Financial Freedom

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Achieving financial independence is becoming more and more of a stressor for many. So much so, that the idea of financial freedom is seemingly becoming more and more difficult to attain. Stock is one of the economy’s most lucrative pastimes that, with a little preparation and knowledge, can turn out to be profitable for the future. For those who are willing to make bold, long-term financial moves, there are many investing methods available.

Don’t Trip Over Myths

What may stop you from financial liberation is what may or may not be your pre-determined notions on the subject at hand. The biggest myth is that you need money to make money. That’s not true at all: it’s about compound interest. Compound interest is the interest on a loan or deposit paid over time. If your investments compound, so do your costs. Starting small and being consistent is the wisest decision (and often the hardest). Learning how to be your own stock analyst is the greatest defense against the market.

Start Early

At this point, if investing is for you, you will need to prioritize starting as early as possible. Studies show the earlier you start, the more time your money has to begin compounding. According to Investopedia , “Most experts say your retirement income should be about 80% of your final pre-retirement salary. That means if you make $100,000 annually at retirement, you need at least $80,000 per year to have a comfortable lifestyle after leaving the workforce.” Of course, if this only includes your retirement plan from being employed, having stock in other companies can either maximize or supplement the amount.

Gather Intel

The best protection is to make sure you’re staying knowledgeable about the stock world. A plethora of services exist online, but there are so many options. Consider sites that offer the basic information first. You will find many places with similar information for stock retirement plans and the most popular stocks in different industries. Look at trending topics and Of course, if these aren’t to your liking, and you’re somewhat of a beginner, consider experts to watch the stock market for you. If you want to learn by yourself, there are how-to articles .

Be Wary of Potential Scams

It’s safe to say that with any new turf, you want to watch out for unknown pitfalls. Your money is precious, so you must learn how to discern between legitimate investments and scams. Or, at the very least, learn to watch for signs. Certain scammers are either straightforward or extremely convoluted, making websites and fake companies with several “employees.” A Scammers number one MO is to get you to, you guessed it, send them your money. Scam artists will typically be those who are gullible or lost money on a recent investment. They likely will promise repayment, as long as you “invest” in them. Their actual company could be real or fake, either way, they will convince you of one or two things: their pitch is an honest one, or that they are honest themselves. They may ask for fees and may disguise themselves as a trader, wanting you to trust them to invest your money wisely. These tactics are often deployed over the phone, via email, through seminars, and some trading and investment courses. Watch out for tactics that give you a sense of urgency with the intent to get you to invest right then. Take time to consider, and do your research on what they claim to be. Challenge yourself with Oxford club review , a strategy that’s a point of skepticism for many right now.

Find Your Perfect Stock Category

The first place to start? Maybe with something you love. You can find stock for nearly every field, product, and service out there. Of course, that’s your natural inclination. The point is to go for something you’d be interested in staying up to date on. Maybe putting all your eggs in one stock basket is not for you? You may want to stick with something you have an interest in researching. There are 11 stock sectors : materials, industrials, financials, energy, consumer discretionary, consumer staples, information technology, communication services, healthcare, utilities, and real estate. Don’t worry, you’ll start to notice some familiar industries when you look up the most popular ones.

Plan for the future

Day trading can be fun, but constantly buying and selling stock is not wise for the future. The problem with buying and selling stock all the time is that you’re hit with a lot of taxes. Maybe you’re pretty versed in stocks and already have a plan laid out for you. If you want to dive into some particular stocks you have in mind and be your own stock analyst, some sites keep a database of current stocks . Remember: do not invest blindly. Do your own research into a potential stock investment, maybe starting with industries and finding the best-performing companies. Word-of-mouth from family and friends, though tempting, needs to be looked into. Initially to grow trust between your industry of choice and to practice staying ahead of scams.

How to use project management methods in marketing

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If there is one word that can be used to describe marketing, it is varied. Marketing is certainly a diverse field. What works for one client is not going to always work for another client, even if they both operate within the same business sector. Because of this, you need to give a lot of thought and consideration to the type of project management methodology you use. With that in mind, in this blog post, we are going to explore how to use project management methodologies in marketing in further depth so you can get a better understanding.

Agile

There is only one place to begin when it comes to project management methodologies, and this is with Agile. A lot of project managers acquire Agile project management accreditation to help them advance their skills and standing in the industry. It is a methodology that began in the realm of software development and it has slowly started to spread into the broader business world. Today, it is one of the most popular methodologies for project management. It utilises decentralised decision-making and iteration to boost processes and enhance flexibility.

Agile project management is beneficial when it comes to inbound marketing and online marketing. This is because these sorts of marketing campaigns run on a continual basis, which is suited to the iterative process of Agile. You will continually filter knowledge back into the advertising operations while enabling teams to be flexible when responding to any situation as it changes.

On the flip side, Agile may not be the most appropriate solution for seasonal marketing and event marketing. This is due to the fact that the emphasis is placed on incremental improvement over a period of time with Agile. This means that projects that have a short timespan or are based on one big “moment” do not usually do well. These sorts of marketing projects need everything to be perfect at the launch and they do not have any space built for improvement and testing.

Waterfall

You may also want to consider the Waterfall project management methodology for your next marketing project. With this methodology, a sequential procedure is used for the planning and execution of tasks, with one task flowing into the next, moving everything toward the completion of the project.

Waterfall project management works well with regard to bricks and mortar marketing, as well as alliance marketing. This is because it is highly effective in terms of planning for a marketing project to be delivered all-at-once, using project plans and Gantt charts so that precise objectives are achieved and geared toward specific and often distinct deliverables.

This project management methodology does not tend to lend itself well to social media advertising and personalised marketing. This is because the methodology has not been created to handle any sort of circumstances that can alter on an hourly or daily basis. When it comes to situations like this, on-the-fly decision-making and skills-based reactions will outperform long-term planning.

Scrum

Last but not least, you may want to consider using the Scrum methodology for your marketing project. This approach is focused on delivering high-priority deliverables within a specified timeframe. It is all about adopting personal responsibility and ensuring intense focus for a task to be completed.

This sort of project methodology works well for B2B marketing and product marketing. This is because these sorts of marketing projects need the most critical deliverables to be completed first. For both B2B and product marketing, the highest priority actions and assets are the most critical. The secondary actions and assets can be held back for later sprints.

The nature of this methodology means that it is not usually the best approach for high-level corporate marketing and direct marketing. When a team is certainly going to have time for everything to be completed or where all tasks run at the same time and have the same date of completion, Scrum loses the advantages that have been mentioned above.

Can you use a mixture of the different marketing methodologies that have been mentioned?

If you do not think that any of the marketing project management methodologies that have been discussed above are going to be right for you, you may want to consider going for a hybrid approach instead. For marketing companies that are either during a transition period or realise that a mixed approach is going to be better for their situation, a hybrid project management methodology makes the most sense.

This sort of project methodology is best suited to the likes of brand marketing and content marketing. By using a blend of iterative and set-piece processes, your team will be able to follow a hybrid approach that can generate your project’s cornerstone elements and then you can fine-tune them by using more Agile processes when needed.

Hybrid methodologies are popular because they enable you to tailor your project management approach based on your business, ensuring that you end up with something that is just right for you. However, this option can sometimes be an unwise choice, especially if you are building a new app or you are looking for the best project management methodology for test-driven marketing. This is not to say that a hybrid approach would be a failure. Nevertheless, you may find that simply sticking to one approach is going to make a lot more sense in scenarios like this. The reason for this is that it will lower confusion, as well as making your objectives clearer and much more straightforward to achieve.

Hopefully, this article has given you an insight into the different project management methodologies that can be used in marketing, including the pros and cons. We hope that this has helped you to get a better understanding of the options that are available to you and how you can use them to drive your marketing efforts forward. There are different APM, PMP, and PRINCE2 training courses that are available that can enable you to advance your project management knowledge in the various methodologies that have been mentioned above. 

What to look for in cyber insurance coverage

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There are many features to look for in a cyber insurance policy, from legal advice to business interruption to privacy breaches. Let’s talk through some of the most important elements of cover to help you decide what you need in a policy.

To start with, legal advice has become the aspect of cyber insurance most used by businesses, with 73% of organisations admitting to claiming legal assistance with their policy in a 2020 survey for the UK Government’s Department for Digital, Culture, Media and Sport. It is worth checking whether your insurance provider includes access to law experts as part of its package. 

The best cyber insurance packages also include business interruption protection. This is at the core of cyber policies and means that if an IT failure or cyber-attack disrupts business activity, insurers will pay for the loss of income or increased costs of trading in the aftermath of an incident. 

According to NimbleFins, another important aspect of cyber insurance is cover for privacy breach costs, as it protects a business from what could be hefty damages paid to customers if their data is leaked. This clause in a policy can also cover the cost of notifying customers of a breach, investigation costs and legal fees.

If a business relies on a complex private network to run its business it is worth ensuring a policy has protection for restoring computer systems as well. 

Organisations that use many electronic devices should consider whether to include an asset replacement clause that would cover the cost of new devices or restoring lost, corrupt, or altered data. Sometimes asset costs can be covered by contents insurance, but it is worth checking the small print to see if your existing cover would include replacing electronics as the result of a cyberattack.  

Cyber insurance cover features

Cyber insurance cover features third party protection to your customers and other contacts who are affected by a covered incident as well as first-party, direct costs to your business as a result of a cyber incident. The extent of coverage depends on your policy and whether it has both first party and third party protection. 

First party cover can include:

Business interruption: This is the core policy in cyber insurance and covers loss of income or profits when a cyberattack or IT incident prevents trade from taking place. 

Investigations: To find the source of the incident. 

Managing an attack: Legal and other expert advice and assistance to help navigate the law and restore systems. This could be whether a business is the victim of a hack, data or security breach, virus, or IT network failure. 

Cyber extortion: Practical advice if a ransom is ordered from hackers. In some cases (although not advised as the first port of call) insurers can cover the financial demand. 

Recovering lost data or programmes: Experts can come to the rescue of a business to repair systems and bring back lost documents.

Restoring computer systems: To get a business back up and running. 

Notification costs: Covering the expense of notifying customers or other third party victims of a data breach. 

Reputation management: For example, funding a PR campaign or paying for free credit monitoring or credit protection services for affected customers.

Third-party protection covers costs relating to a customer base or other third parties. This can be invaluable in protecting a reputation and includes:

Media liability: Covering investigation, defence and damages if a third party has a claim of defamation as a result of private information published in the media.

Privacy protection: If a third party’s right to privacy has been breached by a lapse in security, insurance can cover legal defence costs and settlements. 

Does cyber insurance cover ransomware?

Reputable cyber insurance policies cover ransomware attacks. This could include paying for an expert’s advice on how to negotiate with the hacker, as well as reimbursing the ransom amount paid under duress. 

Cyber extortion – when a hacker seizes control of an organisation’s computer system or data until a fee is paid – is now standard in most cyber insurance policies. It is becoming more popular as businesses move online. In some cases, the ransomware policy can also cover the ransom theft – if the money is stolen on the way to the hacker. 

Does cyber insurance cover GDPR fines? 

It is unclear whether cyber insurance will cover GDPR fines, but policies should help with other implications of a GDPR breach, such as legal advice. Until there is a test case it cannot be said for certain whether cyber insurance will cover GDPR fines. 

Under GDPR laws, fines can be up to €20 million or 4% of the company’s turnover, worldwide, whichever is greater. Fines are not usually covered by insurance as it negates the impact of the punishment, therefore they lose their status as a deterrent. Businesses should decide if fines are covered “to the extent insurable by law”, Lexology says.

Cyber insurance does cover legal advice and can pay for costs associated with reporting a GDPR breach to customers. Cyber insurance can also help with recovering lost data and other aspects of managing a security breach.

How to Promote Your Ecommerce Store with Instagram Videos

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The e-commerce industry is expected to grow more rapidly than ever before. This is why everyone is trying to establish their own ecommerce store in order to grab a slice of the pie. There are many ways through which you can promote your store. One of them is through video marketing on Instagram! Instagram is an extremely famous video and picture-sharing application that is used by millions of people around the globe. This makes it a perfect platform for marketers to reach out to their target audience.

What is Instagram Video Marketing?

But what is Instagram video marketing? Well, it refers to creating video content to generate both sales and engagement through the social platform. You can use different features to create a highly creative video that would certainly get the attention of the viewers. On Instagram, there is a good chance that your video marketing efforts would work out. Why? Well, it has been revealed from a study conducted by Quintly that video drives more engagement as compared to photos.

Types of Instagram Videos

Let’s now discuss the types of Instagram videos that would help you in promoting your e-commerce store the most.

#1. In-Feed Instagram Videos

These are those videos that show up in your feed. These are similar to those in-feed videos that you find on other social media platforms such as Twitter and Facebook. Such videos rank on the basis of engagement. People can comment and like the videos. They can even save it if they liked what they saw.

Now you must be wondering how such videos work. Well, the first thing you should remember is that the videos can only be up to 60 seconds in duration. These videos would autoplay without sound. If a user has turned off this feature then a thumbnail would be shown with a play button. You will also be given a choice to either share a single video or to make a carousel post that can contain up to 10 videos or pictures.

To make sure your videos get the best result while using this method, you should follow these steps

  • Use catchy thumbnails
  • Keep the videos short
  • Tag products
  • Use subtitles

 

#2. Instagram Video Stories

This feature is really popular among Instagram users. It has been reported that almost 500 million people post stories on the platform daily. And you would be surprised to know that about one-third of the stories published are done by businesses. For creating Instagram video stories, you need to make sure to keep its duration to 15 seconds. But here’s the thing. You can create multiple stories and post them as one. Plus, there is no limit on the number of stories you share. Remember that these stories would stay on your account for just 24 hours before disappearing. You will have an option to save these videos and display them on your profile as a highlight.

Here are a few tips that you can use to ensure that your videos get better results.

  • Use stickers
  • Add links
  • Create hashtags

 

#3.  Instagram Video Ads

While in-feed videos can work great but if you want instant results then an Instagram video ad is the way to go. If you do this correctly then you can expect to receive more clicks and conversions. There are two ways you can run an Instagram video ad i.e., story ads and in-feed video ads. If you wish to go for this method then make sure that the in-feed video ads you create must be less than 60 seconds in duration whereas the story ads should be less than 15 seconds. For the in-feed video ad, the resolution would be 1:1 while for the story ad, it would be 9:16.

For your video ads to get the best results while using this method, you should consider the following tips.

  • Use less than 20% text in thumbnails
  • Make the videos as short as you can
  • Use simple language so that everyone can understand
  • Optimize both the funnel and the video for mobile

 

Conclusion

And there you have it! These are three Instagram video strategies that can help you promote your ecommerce store effortlessly. If you are thinking about which kind of content would click with the audience then try making tutorial, brand storytelling, product, and BTS or behind-the-scenes videos. Plus, don’t forget to subscribe to a good internet connection before you start promoting your business on the platform. I remember how I used Spectrum internet to market my products on Instagram to generate my initial sales. You can do the same to run a successful e-commerce business!

How to sell your house quickly in 2021

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Life for most people has become so fast-paced – rushing to make the most use of available time.  The same can be true of the property market, too, with people needing to make a sale go through as soon as possible.  Properties in Monaco can come under this bracket too. 

One of the best tips to sell your house quickly is to enrol the services of a professional and experienced real estate agent.  These agents are authorised to both rent and sell.  So, if you have a property for sale in Monaco or a property to rent in Monaco, the expertise of a trained estate agent is essential.  They will see to all the administrative work and be able to obtain the best price for your home. Through their vast experience, they can “spot” unlikely buyers and can help in the selection of a good reliable buyer.

Other suggestions for a quick sale are listed below:

First impression:  The exterior of the house should be appealing to a buyer, with a pleasing landscape into which the property fits. Freshly painted doors, clean windows and a well-attended garden (if it is a detached property) will add to this appeal.  This will also show the prospective buyer that the house has been well taken care of. 

Interior: 

Not only does the exterior of the house need to be in good order.  Any repair work should be completed so that all equipment is working efficiently and satisfactorily.  The interior should be clean and clutter-free.  Furniture can be moved around to provide more space, making the rooms look bigger.  Additional, non-essential furniture can be stored away.  Personal items should be removed so that the prospective buyer can have a neutral image to plan on designing/renovation. 

Price: 

The price should be competitive, and the right estate agent, with knowledge of the local market, can help with this.   Be prepared for negotiations and the possible decrease in the asking price. As everyone is aware, property prices in Monaco rate amongst the highest in the world. 

Transferable home warranty:

 If an additional perk like a transferable home warranty is offered, then a prospective buyer is aware that the home is safeguarded, leading to a faster decision.

Type of accommodation: 

The trend is changing, and many buyers are more selective, wanting newer and larger buildings with more amenities like swimming/infinity pools, garden space and car parking.  Some are not interested in purchasing old buildings and then renovating or refurbishing them. However, due to space restrictions in Monaco, some buyers have no other alternative.  With the planned reclamation of land from the sea, more buildings – apartments and villas – will be built, conforming to the current buyers’ tastes. Hence, the guidance of an experienced estate agent will help in showcasing your property to the maximum by dwelling on the USP (Unique Selling Proposition) of your home.  This will attract prospective buyers to it.

Flexibility: 

Try and accommodate a home viewing according to the buyer’s request, even if it is not a convenient time for you.  If a buyer wants to move in before you had planned, be flexible.  However, do not give a prospective buyer the opportunity to withdraw because of needless delays.  Ensure that everything is organised and keep all documentation ready and in order.

Conclusion: 

There are no restrictions on foreigners investing in property in Monaco. The safety and security within this tiny sovereign state is a big incentive. Many people want to make Monaco their main residence, rather than having just a holiday home there. The tax benefits with no capital gains tax, property tax or income tax provide another incentive for investors. 

That is why the Monaco property market is predicted to keep doing well.  The sales transaction process is usually straightforward, with the sales contract signed with a 10% deposit held with a public notary or estate agent before the property’s legal transfer. It is always advisable to have a lawyer study the contract before it is signed.  Due to the simplicity of a sales transaction in Monaco, deals usually go through without much delay so, once the buyer is satisfied, it is possible to sell your house quickly!

Why traders read FXPro Review by Traders Union

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FXPro Review, published on the Traders Union website by financial experts and analysts, contains the fullest scope of information about all areas of activity of the broker: its trading conditions, investment and bonus programs, offers for partners and other features.

In FXPro Review, you can find broker analysis by criteria and popularity dynamics among its customers, compare the broker’s key trading conditions with those of the competitors, look through customer reviews and trading conditions of FXPro: minimum deposit and leverage, spread and minimum lot, order execution speed and peculiarities of working with the company.

Traders read FXPro Review on the Traders Union website, as it is where you can find the fullest, most authentic expert information about the company in one place. 

FXPro Review — methodology of broker analysis

Before publishing a detailed broker review, Traders Union financial experts study the company’s website, test registration and opening of trading accounts, perform trading transactions and check whether the real trading conditions on the account with the broker correspond to the ones the broker has published on its website.

In other words, Traders Union specialists conduct not only an external audit of the broker, but also perform an internal inspection of its services – this kind of serious professional approach to preparation of FXPro Review by Traders Union guarantees that the information is up to date, which attracts attention of the beginners and professional traders.

During the so-called ‘audit’, the following criteria of the broker are checked:

●      Technical. The broker’s website is studied: functionality of the Personal cabinet and the speed of operation of the broker’s services are checked.

●      Trading. The broker’s trading platform is tested: its operation, features, instruments and additional features and possibilities. 

●      Service. Contact is established with the broker’s customer support: each channel of communication is checked for different issues; the speed and quality of responses of the support team are recorded.

●      Financial. The timeframe for deposits and withdrawals is studied: payment systems the broker provides access to are checked, presence of non-trading commissions and their size are established. 

●      Legal. Regulatory documents of the broker are studied: client agreement, regulation on trading transactions and charging swaps, conditions of earning bonuses and the rules on filing claims.

Conclusion 

FXPro Review by Traders Union is regularly updated and published in different languages, which attracts traders from all over the world.

The key objective of Traders Union is to create an independent broker review, in which the traders will be able to find the fullest expert information in one place, without spending time on independent studying and checking of all services of the brokerage company.

Become a member of Traders Union and get more latest information about Forex brokers!

How to Beat Joint Pain and Get Moving Again

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Joint pain is one of the most common issues to plague modern society — and really, it should come as no surprise.

Your joints describe the parts of your body where your bones meet one another. As a point of articulation, they are what allows your body to move. The main joints of the human body include the shoulders, hips, elbows, knees, ankles, and wrists.

Although your joints allow you to move, they also act as “load distribution centers”. In this manner, they absorb and transfer load through your limbs during movements like jumping, throwing, sprinting, or walking.

Now this is not a bad thing — I mean, if your joints are designed for this purpose.

However, because of their natural role in the human body, they can get a little beaten up over time. This can lead to joint degradation, joint damage, and joint pain.

Which is why we wanted to provide some practical ways you can beat joint pain and get moving for good.

1.   Start Weight Training

But wait, wouldn’t that put more load on my joints?

Well, yes — but not in the way you might think.

When people suffer from joint pain they can very easily fall into the trap of avoiding exercise because they are worried it will make it worse. However, this inactivity can lead to a loss of muscle strength, which can actually increase joint pain.

While your joints play a key role in absorbing and distributing force through your limbs, this is a process that is facilitated by your muscles. In short, the stronger your muscles are, the more load they take off of your joints.

As a result, actively participating in weight training and strengthening the muscles around your joints is the perfect method of reducing joint stress. This can also improve joint stability, reducing their risk of becoming degenerative.

And as a bonus, you don’t have to do a lot.

In fact, undertaking 2-3 weight training sessions per week has been shown to cause large reductions in joint pain — making it a great choice.

2.   Take the Best Collagen Supplement

Every physical tissue in your body contains a compound known as collagen.

You can think of it as the glue that keeps your cells together. It provides structure to your body’s tissues, ensuring they maintain their shape, strength, and function.

And this is especially true for your cartilage, ligaments, and tendons.

As a result, there is evidence to suggest that taking a collagen supplement can improve joint health and reduce joint degeneration. Over time, this can lead to significant reduction in joint pain and vast improvements in function.

Now, the hard part here is that there are literally thousands of different collagen supplements available on the market — of which, some are much better than others. Which is why we recommend searching through reviews on the best collagen supplement and finding one that suits you best.

3.   Mix Up Your Diet

In conjunction with exercise and collagen supplementation, there is also some interesting evidence to suggest that changes in diet can also have a very positive impact on joint pain.

Diets full of the potent antioxidants coming from fruits and vegetables have been shown to lower inflammation throughout the human body. Importantly, this can reduce joint stress, improve joint pain, and even lower your risk of joint degradation.

On the other hand, diets that contain a large amount of highly processed foods, sugar, and trans fats have been shown to increase inflammation, which can have the opposite effect.

With this in mind, if reducing joint pain is your goal, then vegetables, fruits, lean meat, seafood, nuts, grains, beans, and legumes should be a staple in your diet — while packaged and take-away food should not.

4.   Go for a Walk

Finally, there is also evidence to suggest that undertaking regular light aerobic exercise can lower sensations of joint stiffness and physically lubricate your joints, which can lead to reductions in chronic joint pain.

As a bonus, light aerobic exercise can also contribute to weight loss, which offers another useful way to reduce the load that is distributed through your joints, causing lasting reductions in joint pain.

Some of the best low-impact aerobic exercise for joint pain include:

  • Walking
  • Cycling
  • Swimming
  • Rowing

One thing that’s unimportant to note here is that you do not have to do heaps to have an impact. In fact, as little as 15 minutes power day will cause a noticeable improvement — making it too easy not to do.

Key Points

If you suffer from joint pain, take solace in the fact that it is not a death sentence.

You can cause lasting improvements in joint health by commencing weight training, undertaking some light aerobic exercise, changing your diet, and simply taking the best collagen supplement.

Just be sure to do your research and find the best collagen supplement for you.

4 Ways Employees Are Abusing Your Online Time Clock

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Using an online time clock can help run your business smoothly and limit risks. Running a business means you need to watch everything that is going on. You want to ensure your employees are doing their job without micromanaging them. If you’re a manager, you want to find ways to keep an eye out for your team but still be able to give them the freedom they deserve.

Sometimes, that doesn’t always happen. Most people who make up your team will be kind and want to help your business grow. However, some employees will want to take advantage of you and abuse your older time clock system. This is why it should be your number one goal to switch to an online time clock if you haven’t already.

You may not know this, but there are ways that an employee can abuse their time clocks with other systems. It’s easier to get away with, harder to catch, and may leave you frustrated. Time theft should not be tolerated, but how can you stop it if you can’t see it? You may not know what to look for, and that is where we come in to help you.

Here is a list of all the ways employees can abuse the time clock you have now.

4 Ways Employees Can Abuse Outdated Time Tracking Systems

Having to always keep up with your team is impossible; you can’t be there to watch every team member punch in. Using an older time punching system means that these situations are more likely happen to happen. If you switch to a new online time clock software, these risks can be limited.

Buddy Punching – Buddy punching occurs when one employee punches time for a coworker even when they are not there. Someone could be running late and call their friend to punch them in so they won’t lose any hours. This is good for them but makes you and your business lose money. It should be limited, and an online timecard system can do that for you.

Falsifying Hours – When using an old time tracking system that is done all by hand, it is easier to add a few minutes extra each day. An employee can easily add a few more hours in to make it look like they worked more. This means they get paid more for work they did not do. Modern online time clock software can automatically capture work hours in real-time and reduce unnecessary manual adjustments.

Skipping Breaks – If you have mandatory breaks, your employees could be skipping them because it allows them to make more money. However, the opposite can be said as well. If they know you don’t keep a close eye on breaks, they may take more breaks than do any work. This could also be theft of company time. Online timesheet software allows you to alert employees of upcoming breaks and be alerted if a worker skipped a requirement break.

Punching Out Early – With ancient time tracking systems, an employee can easily leave early and fix the records later, and you would have no idea. Conversely, the employee could leave later in the day to gain more hours, and you would not know why. Either way, they get paid more than they should be. Online time clock software allows you to limit when employees can punch time and notify you if they leave work outside their scheduled hours.

Most employees would never do this to an owner or manager they are dedicated to, but it does occur. You should be prepared for these situations to happen, and it is your job to limit these occurrences. They are risky and can lead to a reduction in profit, but luckily you can invest in employee timesheet software to help.

Labor costs are often the most significant expenses in a business. Of course, you want to pay your team everything they are owed, but no more than that. With online time clock solutions, you can ensure accurate payroll and limit risks that can harm your business. Everyone will know that you can see who punches in, what they’re working on, and how productive someone is. This can save you time, money and create a stress-free workspace.

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