Investment methods


Best strategies for how to multiply your money. If you want to be hands-on and enjoy making investment decisions, you might want to consider buying individual shares – but make sure you understand the risks. If you don’t have the time or inclination to be hands-on – or if you only have a small amount of money to invest – then a popular choice is investment funds, such as unit trusts and Open Ended Investment Companies (OEICs). With these, your money is pooled with that of lots of other investors and used to buy a wide spread of investments. If you buy investments, like individual shares, direct, you will need to use a stockbroking service and pay dealing charges. If you decide on investment funds, there are charges, for example to pay the fund manager. And, if you get financial advice, you will pay the adviser for this. Whether you’re looking at stockbrokers, investment funds or advisers, the charges vary from one firm to another.

Investors often place great importance on price-earnings ratios, but placing too much emphasis on a single metric is ill-advised. P/E ratios are best used in conjunction with other analytical processes. Therefore a low P/E ratio doesn’t necessarily mean a security is undervalued, nor does a high P/E ratio necessarily mean a company is overvalued. Some mistakenly believe there’s less to lose with low-priced stocks. But whether a $5 stock plunges to $0, or a $75 stock does the same, you’ve lost 100% of your initial investment, therefore both stocks carry similar downside risk. In fact, penny stocks are likely riskier than higher-priced stocks, because they tend to be less regulated.

Funding your retirement is one of the best investments that you can make to ensure the financial future of you and your family. It’s important to plan for your retirement whether you have just finished high school at 18 or are about to enter your 60’s. It is never too early to start putting money away for your retirement. If you are planning on living a comfortable retirement based on Social Security; forget about it! According to USA Today, the average Social Security benefit paid out to retirees is a paltry $1,324 per month, which amounts to just $16,424 per year. Read more details at Why you need a retirement plan.

Saving money and investing it are closely connected. In order to invest money, you first have to save some up. That will take a lot less time than you think, and you can do it in very small steps. If you’ve never been a saver, you can start by putting away just $10 per week. That may not seem like a lot, but over the course of a year it comes to over $500. American Express National Bank currently offers a strong 2.10% Annual Percentage Yield on their online savings account. There is no minimum deposit required and no monthly maintenance fees associated with a Personal Savings Account from American Express so the yield is earned on all balances. The brand also offers high-yield CD’s if you’re in the market for a place to park your cash and are in need of high interest rates.

According to Buffett, the secret to getting a better return on investment is to buy a stock and forget about it. He believes in having a buy-and-hold mentality and insists on holding stocks for decades. There are two principles behind this: (1) if you buy a stock for less than it’s true worth, the stock’s price will eventually converge with it’s intrinsic value; and (2) if you buy a wonderful business, the value of that business will compound and increase exponentially the longer you hold on to it. So, the patient investor will ultimately be rewarded if they hold on to their stocks for a longer time. For Buffett, time is the friend of a wonderful business. “If you aren’t willing to own a stock for 10 years, don’t even think about owning it for ten minutes.” He says that if you constantly buy and sell stocks, it’ll take away a significant percentage of your returns in the form of trading commissions and taxes. So, it’s better to buy great stocks and holding them for a long time.

About MultiplyMyMoney : I have more than 12 years of experience as an independent and personal financial and investment consultant. I used to run a financial blog called BuylikeBuffett which provided insight on investing, saving, money management, and all things finance. I am also the author of Your Financial Playbook: A Guide To Navigating The World Of Personal Finance a financial guide written to inform the beginning investor about the basics of the market. I decided to start a new site because I receive a great number of questions about financial topics on a daily basis. I figure that this would be a great way to answer those questions and increase financial literacy. I also figured it would be a good platform to write articles on everything from teaching how to get rich, explaining the basics of cryptocurrency, to detailing ways of rebuilding your credit score. I was the founder and president of New Horizons Financial Management, LLC, and was a registered investment advisor. New Horizons was an independent investment advisory asset management and personal financial consulting firm offering investment advisory services to high net worth individuals. Read more info on Multiply My Money.

Virtual assistant tasks


Freelance work from home, this is a very trendy topic in 2019. With the internet linking anything a lot more jobs can be completed from home. People are becoming very interested in working from home, to save transport time and earning extra income from home.

Spare5 is pretty different from the other virtual assistant positions on this list. This is more of a flexible gig than a traditional job. If that’s what you’re looking for, it may be ideal for you. Spare5 pays you to complete small tasks through their website and mobile app. These tasks include assessing audio files, annotating imagines, and providing keywords to develop algorithms. Several major companies use Spare5 for these virtual services. Examples include Microsoft, Expedia, Getty Images, IBM, and Pinterest. You are paid for every micro-task you complete, and you can work whenever and wherever you want. Spare5 worker reviews say that tasks usually only take a few seconds to complete. Since these tasks are short, they typically pay anywhere between $0.01 to $0.50. That doesn’t sound like much, but working for a few hours can lead to impressive earnings.

If you’re looking for a work at home virtual assistant position, then you should definitely check out Equivity. This company provides businesses with virtual assistants. Positions with Equivity are part-time, and you’ll need to be able to work from 9 am to 6 pm, Monday to Friday. To be eligible for a position with the company, you need to be: US-based, Have a bachelor’s degree from a four-year college program, Resourceful, Skilled with search engines and online rating sites, Knowledgeable about email platforms, like Gmail and Microsoft Exchange, Detail-oriented, Proactive, Knowledgeable about Microsoft Office programs, like Excel, Microsoft Word, and PowerPoint. You’ll also need to have a laptop and a smartphone that has broadband internet, which most people have nowadays, as well as a quiet location from which to make phone calls. Having experience as an executive assistant or admin assistant is also preferred. Read extra info at Work as a freelancer.

Based in Philadelphia, Delegate Solutions is a completely remote company that was founded in 2007. The company serves a vast number of clients and is almost always hiring. The only catch is that you’ll need to apply via FlexJobs. If the membership fees are off-putting for you, you can visit the following page first. You’ll be able to see whether Delegate Solutions is currently hiring, view the job posts and offered salary/hourly rates, and then decide whether to purchase a 1-month FlexJobs subscription in order to apply.

Manage your time effectively. You’ll notice that almost every company on my list mentions time management. It’s a very necessary skill for any virtual assistant. It can also boost your hourly income for task-based pay. There are free time management tools such as Toggl that help me in my work from home position.

Financial Freedom is more than a digital tools site for freelancers. We aim to support talented and skillful people with online smart training resources, expert advice, and learning opportunities. Register and stay connected! Our approach is highly professional yet personalized. We believe in matching the skillset with the right digital tools that deliver rewarding results. We pride ourselves in being enablers, providing freelancers the financial Freedom, and better earning. Source:

High risk merchant account pharmacy


High risk merchant account business types in 2019. This is a popular subject as more countries open up to new services. High-risk merchant accounts are a collection of financial services that offers firms to accept card payments from customers. Credit card processors assign merchants to one of two categories: high risk or low (normal) risk, based on a number of factors. High-risk merchants face limited options in processors, plus raised fees and harsh contracts. Being labeled as high-risk sounds bad. But in some cases, it can be your only option. We have been writing about diverse properties of the high-risk merchant account business for many months and have almost sure touched on most, if not all of them, of the most important issues. Here are some more advices on high risk merchant account.

High risk credit card processor : CardMax Payments offers flexible accounts, easy set-up, and competitive pricing. Relationships with more than 30 domestic and international banking providers help CardMax provide exceptional service and support.

A lot of financial processors do business exclusively with low-risk merchants, who they consider as a low risk investment. That means businesses considered high-risk will have a very poorr selection of potential payment services to choose from. Any processor you approach will take a careful, detailed look at your business to determine if you fall under their definition of “high risk,” based on the financial risk your company represents. It’s virtually impossible for commerce merchants to operate without accepting credit or debit cards. Before you can take “plastic,” you need a payment processor who acts as a liaison between you, banks, and credit card networks. See more info at High risk merchant account for tech support in usa.

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for most general business types as well as domestic high risk merchants. The company’s products and services include point-of-sale solutions (with specific packages for the restaurant, salon, professional service, and contractor sectors), online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, gift and loyalty programs, merchant cash advance, and offshore merchant accounts. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to new merchants who require them. The company has received exclusively positive feedback on public forums, with most reviewers singling out the company’s customer service for praise.

We used all of the high risk credit card processors, to be able to compare and a solid choice is iPayTotal. They cover all business types, have a vast experience in the business, fast customer support and low fees.

iPayTotal can help you in understanding and create your high-risk merchant account and guide you through the underwriting procedure followed by the bank while onboarding an application. Regardless of whether you require a start-up merchant solution, a subscription account, a pharmacy merchant account, a travel merchant account or set up an offshore merchant account, iPayTotal can help you set up with lowest rates and no hassles for your high-risk businesses. Source:

Cheap car insurance firm in Dubai and some tricks


What are the top providers that offer car insurance, especially serving UAE? Here are some tips to buy the best available car insurance package. This article is a good general information piece but is targeted at Abu Dhabi car insurance market.

Insurance companies are likely to charge more if the car is seen to be a ‘higher risk’ vehicle. What does that mean? Well, cars with higher mileage are seen to be more likely to break down or have an accident due to their high usage rate. So, if you’re driving between cities during the week, avoid using that same car on the weekends, or better, try carpooling with colleagues. The idea is to keep your car running for as long as possible while enjoying a lower insurance premium too.

Insurance companies might charge you a higher insurance premium you cover a long distance on your car. It is because allinsurance providers believe that the more you drive, the higher are the chances of your vehicle getting involved in a road accident. Additionally, it is likely to reduce the life of your car. Keep in mind that if you driving from Dubai to Abu Dhabi on a daily basis, then the mileage of your vehicle will increase. As a result, the cost of car insurance will also increase. Discover more details on Car Insurance Abu Dhabi.

If you have a third party liability for a new car, this may cost you a lot in case of an accident. So not a good option for an expensive car. So what is the option for new and expensive cars? – Comprehensive insurance. It cost you a good amount in the form of yearly premium but it also offers extensive coverage for your car. These are also one of the most customized insurance policies in Dubai as car owners can negotiate with insurance companies to tailor the plan according to their needs.

This is where Michael llyas, founder of Cactimedia and co-founder of was able to provide his digital experience to help build a user friendly and easy digital platform that provides an online quote to customers in under 1 minute, at any time, anywhere on any device. Why should you buy your car insurance through You have a chance of getting the most affordable and suitable car insurance policies by comparing the largest car insurance companies in Dubai and the UAE. Source:

What is blockchain technology


Cryptocurrency is a big thing right now and my advice is to be very attentive when investing in this industry. Cryptocurrency is used in every industry and here are some examples. Realestate applications of blockchain : Ubiquity—This Software-as-a-Service (Saas) blockchain platform offers a simpler user experience to securely record property information to ensure a clean record of ownership.

Blockchain in retail : Blockpoint—Simplifies the creation of payment systems and allows mobile wallet, loyalty program, gift cards and other point-of-sale functionality.

One of the main benefits of blockchain technology is the way it removes intermediaries or middlemen. The music business is a prime example of an industry whose inefficiencies have seen artists poorly remunerated for their efforts. A number of blockchain-based projects have sprung up seeking a fairer deal for music creators, including Artbit, overseen by former Guns N Roses drummer Matt Sorum.|Supply chain management is seen as one of the most beneficial use cases for blockchain, as it’s ideal for industries where goods are passed through various pairs of hands, from beginning to end, or manufacturer to the store . IBM and Walmart have teamed up to launch Blockchain Food Safety Alliance in China. The project, run in conjunction with Fortune 500 company, is designed to improve food tracking and safety, making it easier to verify that food is safe to consume. See more details on what are crypto wallets.

You could think of blockchain as a database which records a single, trusted version of the digital history. We call this “database” a digital ledger. It’s important to have one version since it means data can’t be manipulated by bad actors for nefarious means. Blockchain allows digital data to be distributed but not copied or changed.

One of the most crucial aspects of blockchain technology is that data is decentralised, with information shared across a peer-to-peer network. Each block contains transaction information and a time stamp. Blocks are also permanent and cannot be altered without consensus from the entire network and without altering all subsequent blocks. If only time travel were possible then majority of people would wish to back in 2010 to buy bitcoins. A mere 10,000 rupees invested in bitcoins back then would have fetched you over mind boggling 330 crores by now! The world was stunned with such a phenomenal growth of bitcoins as a cryptocurrency. Keep reading this post as we will explain about bitcoin shortly. But how could such a currency grow stupendously on a global scale? The answer is Blockchain. Simple as it may sound there are huge mechanisms in place in making the technology work. The time spent by IBM global financing was reduced by 75% in solving financial disputes using Blockchain technology. Did you know that in international trade finance and remittances ICICI bank using Blockchain technology successfully executed transactions? Did you know SBI is using it in its KYC norms and smart projects? Did you know that Azure is already providing Blockchain as a service(BaaS)? And these are just three instances of the applications of Blockchain and the most obvious use case is bitcoin.

Here are some terms explained : Ashdraked: A situation where you lose all your money, more specifically when you lose all your money shorting Bitcoin. This was based on a story of a Romanian trader who continued to short BTC when it went from $300 to $500, since he had made a lot of profit doing so historically. Adapt your trading strategy!

Byzantine Generals’ Problem: A situation where communication that requires consensus on a single strategy from all members within a group or party cannot be trusted or verified. An example of this agreement problem is where a group of generals, encircled around a city, must decide whether to attack or retreat. Every general must agree to attack or retreat, or everyone will be worse off. Some generals may be treacherous, voting falsely, and messengers may deliver false votes. Under these circumstances, a consensus must be reached. In cryptocurrency, when network participants post false or inaccurate information to others about transactions taking place, it could lead to network failure. *see Byzantine Fault Tolerance (BFT).

Distributed Ledger: Distributed ledgers are ledgers in which data is stored across a network of decentralized nodes. A distributed ledger does not necessarily involve a cryptocurrency and may be permissioned and private.

And the latest crypto news : Bitcoin (BTC), and XRP, the third biggest coin by market cap, are not competitors, Ripple CEO Brad Garlinghouse claimed in a Fortune interview on June 20. In the interview, Garlinghouse outlined the key difference of two major cryptocurrencies, arguing that bitcoin is a store of value or “digital gold,” while XRP is a “bridge currency” that enables an efficient solution for fiat-to-fiat transfers. As such, Garlinghouse cited the difference between bitcoin and XRP in terms of transactions costs, claiming that Ripple can do a transaction for a tiny fraction of a cent while a bitcoin transactions costs roughly $2.30 on average. Read extra info at government-issued cryptocurrencies

High risk merchant processing


We have been writing about multiple properties of the high-risk merchant account market for many years and have most likely reached on most, if not all of them, of the most decisive issues. Here are some more guides on high risk merchant accounts.

High-risk merchant accounts are a group of finance services that allow firms to accept card payments from clients. Credit card processors assign merchants to one of two categories: high risk or low (normal) risk, based on a number of factors. High-risk merchants face reduced options in processors, plus higher fees and stricter contracts. Being labeled as high-risk looks bad. But in some scenarios, it can be your only option.

It’s practically impossible for online shopping merchants to work without receiving payments from credit or debit cards. Before you can accept “plastic,” you have to use a payment processor who acts as a link between you, banks, and credit card networks.

A lot of financial service providers do business exclusively with low-risk businesses, who they see as a safer investment. That means businesses considered high-risk will have a limited selection of potential payment services to choose from. Any processor you approach will take a careful, detailed look at your business to determine if you fall under their definition of “high risk,” based on the financial risk your company represents.

Here are some high risk credit card processors : HRMA-LLC specializes in high-risk merchant accounts and ACH processing for high-risk business verticals. They offer payment processing for practically every high-risk business type. HRMA-LLC offers fast approvals with no setup fee.

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for most general business types as well as domestic high risk merchants. The company’s products and services include point-of-sale solutions (with specific packages for the restaurant, salon, professional service, and contractor sectors), online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, gift and loyalty programs, merchant cash advance, and offshore merchant accounts. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to new merchants who require them. The company has received exclusively positive feedback on public forums, with most reviewers singling out the company’s customer service for praise.

We used all of the high risk credit card processors, to be able to compare and our pick was HRMA-LLC. They cover all business types, have a vast experience in the field, fast customer support and low fees.

Do you have a business related to CBD merchant accounts ? HRMA-LLC can help you. See extra info on Best high risk merchant account.

Benefits of UOB Cash Card


Put up collateral if this can help increase your credit limit. This allows the issuer to feel more confident in giving you credit. Also, watch your usage versus your credit limit. This is a big problem for people who get their first credit card. Normally these limits are relatively low. For instance, if you get approved for a $1,000 credit limit and use up this amount monthly, although paid in full, your credit usage is at 100 percent, and this will lower your credit score over time.

If you’re confident you can use a credit card responsibly and pay off the balance every month, try using it as a budgeting tool. By making all of your purchases with your credit card, you can see exactly how much you’ve spent at the end of the month. Of course, you should only do this if you know you can pay off the balance each month. To make sure your credit card spending doesn’t get out of hand, never charge more to your card than you have in your bank account.

What, really, is the point of having a credit card? Can’t you just use cash? Sure you can, but credit cards offer advantages that go far beyond those of the dollars in your wallet or bank account. The first thing to remember is proper use of credit will help you build a a great credit score, which can help you down the road when you’re looking to finance a large purchase, such as a mortgage or a car. The higher your credit score, the more lenders will view you as creditworthy — allowing you to borrow large sums at the best possible interest rates. Improper use of plastic can earn you a poor credit score, which can prevent you from getting favorable loans — or even a job or an apartment.

Qualifications for applicants for the cash card UOB Cash plus , Thailand’s latest cash card.

For anyone interested, would like to look for some cash cards, especially with UOB Cash plus. Let’s check the features better, if you can apply for this latest cash card :

1. For business owners
Is a Thai natural person aged 20-26 years
Monthly income 20,000 baht or more
3 years of working life in the same business

2. For regular employees
Being a Thai national, aged 20-26 years
Monthly income 15,000 baht or more
Have a working age of 1 year or more in the current company Or in the same business

Spending analysis tools make sticking to your budget a cinch: One of the most underrated online banking features offered by most credit card issuers these days is the spending analysis tool. This allows you to see a breakdown of how much you’re spending with your card in different categories (restaurants, travel, general merchandise, etc.). You can usually choose to view this on a per-month basis or take a look at your spending patterns over time. Be sure to look around for this tool the next time you log into your card’s online banking platform. It can provide some helpful insights into where you’re doing a good job sticking to your budget, and where you might need to cut back.

For our thai guests :


2ข้อต้องสำรวจ ก่อนสมัครบัตรกดเงินสด uob

การบริงานการเงินเพื่อให้เกิดสภาพคล่องในการใช้จ่ายและชำระหนี้เป็นสิ่งจำเป็นในการดำเนินชีวิต เพราะหากเราไม่มีการจัดการทางการเงินที่ดี อาจจะทำให้เกิดปัญหา ทั้งทางด้านค่าใช้จ่ายและหากหนี้สะสมไป อาจจะถึงขั้นห้องร้องกันได้เลยทีเดียว เพราะฉะนั้น ก่อนที่เราจะมองหาตัวช่วยอย่างเช่น สมัครบัตรกดเงินสด uob  เราควรจะสำรวจตัวเองให้ดีเสียก่อน ไปดูกันดีกว่าว่ามีข้อไหนบ้าง

  1. สภาพการเงินของเราในปัจจุบัน

เป็นสิ่งที่ควรจะตรวจสอบและ ใส่ใจเป็นอันดับแรก เพื่อดูว่าตอนนี้สภาพเพราะเป็นสิ่งสำคัญที่สุด ก่อนที่เราจะหาตัวช่วยทางการเงิน เราควรจะรู้และเข้าใจถึงสภาพทางการเงินของตัวเองก่อนเป็นอันดับแรก ว่าเรามีหนี้อยู่ที่เท่าไหร่ รายได้และเงินคงเหลือในแต่ละเดือน

  1. ความต้องการของเรา

เราต้องการตัวช่วยทางการเงินแบบไหน และวัตถุประสงค์ที่ต้องมีตัวช่วยนั้นคืออะไร อย่างเช่น ถ้าหากในแต่ละเดือนเราต้องนำเงินไปใช้จ่ายส่วนตัวและชำระหนี้อื่นๆจนหมดแล้ว จนเหลือเงินเก็บแต่ละเดือนเพียงน้อยนิด เราจึงอยากสมัครบัตรกดเงินสด เพื่อเอาไว้เป็นตัวช่วยยามฉุกเฉิน จนกว่าเราจะใช้หนี้ส่วนที่อยู่หมด เราก็จะเหลือเงินเก็บมากขึ้น เป็นต้น อย่างนี้

เราก็สามารถเลือกที่จะ สมัครบัตรกดเงินสด uob เอาไว้เป็นตัวช่วยสำรองยามฉุกเฉินได้

3 ข้อต้องสำรวจ ก่อนสมัครบัตรกดเงินสด uob

การจัดสรรงบและรูปแบบการใช้เงินนั้นมีหลากหลายวิธีที่ช่วยให้คุณได้ตอบโจทย์ไลฟ์สไตล์ชีวิตของคุณอย่างลงตัว หากบางโอกาสการหมุนเงินบางทีต้องมีตัวช่วยเพื่อให้ความคุ้มครอง หรือให้เหมาะสมกับสภาพคล่อง วันนี้เราจึงมาแนะนำ 3 วิธีในการสำรวจก่อน เลือกตัวสินใจสมัครบัตรกดเงินสด uob cash plus

  1. รายได้ในแต่ละเดือน ว่าเรามีรายได้อยู่ที่เท่าไหร่ และสามารถหารายได้เพิ่มจากทางอื่นได้หรือไม่ เพื่อที่เราจะได้สำรวจตัวเองในข้อต่อไป
  2. ความสามารถในการชำระหนี้ ในแต่ละเดือนเรามีเงินเหลือพอจะชำระหนี้ได้ที่เท่าไหร่ เพื่อที่ว่าถ้าหากเรา สมัครบัตรแล้ว และนำไปใช้ อย่าลืมว่าเราก็ต้องชำระเงินที่เราใช้จ่ายไปตามกำหนด และมันคงจะดีกว่าถ้าเราประเมินก่อนว่าหากเราสมัครบัตร เราจะได้วงเงินที่เท่าไหร่ และจะใช้ไปที่เท่าไหร่ และแต่ละเดือนจะหาเงินมาจ่ายได้เท่าไหร่ เพื่อที่เราจะได้ไม่จ่ายเงินตัวและไม่ผิดนัดชำระหนี้ให้เกิดปัญหาด้วย
  3. คุณสมบัติ อย่าลืมว่าการ สมัครบัตรกดเงินสดนั้นได้กำหนดเงื่อนผู้ที่จะสมัคร สมัครบัตรกดเงินสด uob เอาไว้อย่างชัดเจน อย่าลืมสำรวจตรวจตราว่าเรามีคุณสมบัติครบถ้วนหรือไม่ เพื่อที่ว่าจะได้ไม่ยื่นเอกสารไปแล้วมาเก้อเอาภายหลัง จะเป็นการเสียเวลา และเสียความรู้สึกทั้งสองฝ่ายด้วย

การสมัครบัตรกดเงินสด uob เป็นไปเพื่อผลประโยชน์ทางการเงินของคุณ และการสำรวนตนเองก่อนสมัคร ก็จะทำให้คุณได้ประโยชน์สูงสุดเช่นเดียวกัน

Most trusted work-from-hope opportunities


Working and making cash from home can be a dream, but it can also be a reality. You can be skeptical of the real ways of making money by working at home, but they do exist. Here are some of them :

Make it harder for yourself to mess around on social media. Social media is designed to make it easy for you to open and browse quickly. At work, though, this convenience can be the detriment of your productivity. To counteract your social networks’ ease of use during work hours, remove them from your browser shortcuts and, according to Fast Company, log out of every account. You might even consider working primarily in a private or, if you’re using Chrome, an “Incognito” browser window. This ensures you stay signed out of all your accounts and each web search you conduct doesn’t autocomplete the word you’re typing. It’s a guarantee that you won’t be tempted into taking too many social breaks during the day.

Telemarketer : To qualify for this job, it’s best to be a skillful communicator, well-organized, and have customer service experience. Some companies outsource their cold-calling campaigns to third parties who hire home-based workers to place the calls. Telemarketers are typically paid by the hour, and they may earn incentives and commission based on performance. Companies hiring home-based workers include and Indeed. Keep in mind that a legitimate company will typically not require you to pay a fee to get information or leads.

Don’t let friends stop by. Dana Marlowe, principal partner of the Silver Spring, Maryland-based IT accessibility consulting firm Accessibility Partners, uses lunch as a time to meet with friends and if they show up at her house she politely tells them she’s working. “Boundaries are only as effective as they are enforced,” she says. Catherine Simms, co-founder of Stamford, Connecticut-based pet accessories company Whiner & Diner, also avoids drop-in visitors. “I just tell them that it is not a good time [and] over the weekend would be better,” she says. She also instructs them to call first to see if she’s home. Then when they do she doesn’t pick up, at least during work hours. Read extra info at Looking For Work-from-home Opportunities.

One of the easiest ways is to ensure you get paid weekly is to be self-employed and working directly with freelance clients. By eliminating the middleman (i.e. a freelance platform like Fiverr or Upwork) where payment can be delayed because the platform collects the payment, keeps a small percentage, and pays you at their convenience. By working directly with a client, you both decide on a payment schedule if the work is recurring. Since you work at home, the easiest payment method will be PayPal. You send an invoice once a job is completed and you receive the money as soon as the client approves the invoice.

Crypto swap online exchange


We will talk about crypto swaps and particularly Atomic Swaps, a new way to do cryto swaps today. Today, most centralized exchanges force traders to transfer cryptocurrencies via a wallet that is being controlled and hosted by a centralized exchange. This is known as a “hot wallet.” What does this really mean? Well, traders do not control their private key for hot wallets. So, this places their investment at the mercy of exchanges. This means atomic swap trades hold several advantages over centralized exchange trades.

Security: Always check reviews to make sure the cryptocurrency exchange is secure. If your account is hacked and your digital currency transferred out, they’ll be gone forever. So whilst secure and complex credentials are half the battle, the other half will be fought by the trading software. Each exchange offers different commission rates and fee structures. As a day trader making a high volume of trades, just a marginal difference in rates can seriously cut into profits. There are three main fees to compare: Exchange fees – This is how much you’ll be charged to use their cryptocurrency software. What currency and coins you’re trading can influence the rate. Trade fees – This is how much you’ll be charged to trade between currencies on their exchange. A marker fee is the cost of making an offer to sell. A taker fee is the cost of taking an offer from somebody. Deposit & Withdrawal fees – This is how much you’ll be charged when you want to deposit and withdraw money from the exchange. You’ll often find it’s cheaper to deposit your funds. Also keep in mind some exchanges don’t allow credit cards. Using debit/credit will usually come with a 3.99% charge, a bank account will usually incur a 1.5% charge.

Yes, we realize that we have listed “speed” as one of the advantages, but here us out. In its current iteration, atomic swap still needs tons of refinement and enhancement before it becomes fast enough to handle large volumes of data. This one area where the lightning network can aid atomic swaps in a major way. It is true that more wallets are coming out which are going to adopt atomic swap technology, however, the fact remains that the total number of compatible wallet and exchanges is still really low. Greater support from more exchanges will inevitably lead to more broad scale use and research. Lack of scalability and interoperability are two of the biggest problems that the crypto world is facing as of right now. With atomic swaps, we have a solution which can kill two birds with one stone. This is a piece of technology which has the serious potential of taking us to the next evolution of crypto trading. Let’s hope that more research work and adoption takes place in the near future. Read extra info at Swap Cryptocurrency.

What’s nifty about Swapy is that it charges a fee only on the amount users will save relative to competitor services. In other words, Swapy only gets a cut of what you save on a swap, doing away with a flat fee entirely. Holders of REM tokens can further increase their discount level by up to 90%. Account registration is necessary with Swapy, but only if you’re looking to claim the maximum available discount. Another good pick is

The team is glad to welcome you at our service. We have done the process of cryptocurrency exchange simple, safe and comfortable. Our customers don’t need to create accounts or store their funds at We offer swaps of more than 300 cryptocurrencies. Our team is always glad to add new coins to the list of currencies and is looking for new partners to make our platform even better. Visit:

Mexican ILUM cryptocurrency details


Mexican ILUM cryptocurrency mining advices ? Once you’ve made your purchase, your new Bitcoin will be stored in your Coinbase wallet. You should then seek out the option to transfer these funds to the address of the Bitcoin wallet you have created that’s off the exchange. You will have to pay a small fee to do so, but that is part and parcel of Bitcoin transfers. Fortunately, the fees for such trades are far from their peak.

Speaking of the last few points, realize that crypto tends to be pattern based and tends to go in cycles. See “the cryptocurrency rotation” and “market cycles” for an in-depth look at what this means. You want to be in a coin before it starts its rotation, and then laddering out as its rotation ends. Likewise, in a perfect world you want to be in for the bull part of a market cycle, and out for the bear part. Near impossible to spot these trends in advance, but with experience you should be able to spot them as they occur and manage your positions accordingly.

What is ILUM ? ILUM was designed with the same hybrid technology from Novacoin, the first 100,000 blocks of ILUM were mined through with POW and from there it was mined with POS giving it access to anyone in the world to participate in ILUM Mining without the need for special appliances. The usability of the cryptocurrency increased to a whole new level. Global payments enabled anytime, anywhere. Our unique product range allows you to gather many types of local and global currencies with the flexibility to choose between different payment methods at the touch of a button. Spend on more than 40 million acceptance points online and offline, in almost 190 countries, perfect for the world traveler. Find extra details at

Cryptocurrency is a current days El Dorado, a market that offers huge profit making possibilities. But it’s also extremely risky so before you jump in it’s better to be educated. Here are a few tips if you want to purchase cryptocurrency online in 2019. To begin investing in Bitcoin and other cryptocurrencies you first need to sign up to an exchange which will allow you to buy cryptocurrency with money. An exchange is basically an website that offers anyone to purchase and sell Bitcoin as well as any other cryptocurrency that they have listed.

For our spanish language readers:

Hay mas de 1.300 criptomonedas (pero bitcoin es el rey): si ha seguido la apreciacion de las monedas virtuales, probablemente haya escuchado mucho sobre bitcoin, y con razon. Fue la primera criptomoneda comercializable que se lanzo al mercado, y actualmente representa el 54% del limite total de mercado de $ 589 mil millones de todas las criptomonedas. Sin embargo, esta lejos de estar solo. Hay mas de 1.300 otras monedas virtuales que los inversores pueden comprar, de las cuales mas de dos docenas tienen una capitalizacion de mercado que supera los $ 1 mil millones.

ILUM fue creada con la misma tecnologia hibrida de Novacoin, los primeros 100,000 bloques de ILUM se minaron a traves con POW y a partir de ahi se mina con POS dandole acceso a que cualquier persona en el mundo pueda participar de la Mineria de ILUM sin necesidad de aparatos especiales. Ver adicional detalles en ILUM Criptomoneda.

La descentralizacion es clave: lo que hace que la tecnologia blockchain sea tan atractiva es el hecho de que esta descentralizada. En otras palabras, no hay un centro central donde se almacene esta informacion y, por lo tanto, no hay un centro de datos importante donde los ciberdelincuentes puedan atacar y obtener el control de una moneda digital en particular. En cambio, los servidores y los discos duros de todo el mundo contienen fragmentos de informacion sobre una red de blockchain en particular, pero no lo suficiente como para danarlos si los datos del interior caen en las manos equivocadas. Esto hace que blockchain sea una tecnologia particularmente segura, que es atractiva para las grandes empresas.