Surety bonds guides right now? For any probate surety bond up to and including $100,000, our agency offers this bond to you immediately after the completion of an application, supplying the court documents ordering the surety bond, and payment of the premium. There is no credit check nor underwriter review for probate surety bonds of any category up to a $100,000 surety requirement. The bond is issued to you immediately after payment of the premium.

In Florida, you will be required to submit the obligation to the surety agency from where you purchased your surety bond (namely, us) and we will submit the application and the surety bond to the Florida Secretary of State. The $7,500 Florida notary bond is a surety bond required by the Notary Commission as a prerequisite for licensing. The Commission is also the obligee for this bond. The notary bond protects others from acts of fraud and criminal malfeasance in their performance of notarial acts. Of note, the notary bond protects others, only, from wrongful acts committed by a notary.

The Virginia contractor license bond is a $50,000 surety bond required by legal statute and the DPOR. The bond is issued for a period of two years. We offer this bond to you without a credit requirement. Please call AmeriPro Surety Bonds today for this bond at: 844-589-9732. Applicants for the $50,000 Virginia contractor license bond through our agency will be required to have “good credit” in order to be approved for this surety bond.

The California DMV registration services bond is a $25,000 surety bond which is $250 annually. There is no credit check for this bond; it is issued to you immediately upon completion of an application and payment of the premium. Please call our agency today at 844-589-9732. Through the Occupational Licensing Division of the California Department of Motor Vehicles, private individuals and companies are allowed to share certain duties which historically have been conducted by a DMV field office. Read extra info on more info.

The Florida probate bond is required of appointees as a condition to your appointment as an Administrator of an estate, or some similar title. AmeriPro Surety Bonds offers this bond in any amount required; and with no credit check for amounts up to and including $100,000. Probate has been defined as “…the process of proving a will.” As a condition of a Court appointment of an estate, the court may require you (or for legal counsel, your client) to obtain a surety bond. The bond may be required of any persons who are categorized and denoted as any of the following: Administrator; Executor; Guardian (a Florida guardian bond, unlike a traditional probate bond, is required on behalf of a living person); Personal Representative; Veterans (also on behalf of a living person) and discussed in detail.

As a Guardian or an Administrator of a veteran, you are acting in an important fiduciary capacity. The surety bond, is, therefore, for their protection. The surety bond protects the veteran, or attorneys, heirs, and others from acts of malfeasance, misappropriation of funds, and other unlawful activities involved which may occur as fiduciary of a veteran’s property and estate. AmeriPro Surety Bonds provides Veterans Administration surety bonds nationwide. Our agency is also a provider of probate surety bonds, including Guardian of Minors and Guardian of Incompetents surety bonds in all 50 states.

Our focus is exclusively surety bonds. We have two areas of concentration: YOU, our customer; and providing you with the surety bond that you need. Whether the bond is an “instant issue”; is for a contractor; a court bond; or one for a client with lower credit scores, AmeriPro Surety Bonds dedicates itself to providing our customers with a seamless, professional, and quick surety bond experience.

How to earn extra money tips in 2021 with investment broker expert Farrukh Kazmi? Is it really necessary to check your investment accounts from your phone? Investing apps tend to vacuum up your free time and don’t really provide much in return, other than a temptation to trade. Obsessively checking your accounts is a futile exercise, and by only accessing your investments from a computer, you save time and improve account security. Granted, there is a level of convenience associated with apps, but it may come at the expense of your overall time and attention. If you don’t want to delete the apps, try to move them to a part of your phone that’s less visible.

The S&P 500® Index of U.S. large-cap stocks in late March is overweight the technology and healthcare stocks that dominate the growth factor, while the rest of the global market has more of the financial and cyclical stocks that make up the value factor. The global reopening in the second half of the year should see more outperformance by non-U.S. equity markets. Here are still lingering concerns about new COVID-19 variants that may be resistant to vaccines, as well as the slow vaccine rollouts in some countries. Some European countries have recently increased lockdown measures as infection rates have trended higher. It’s possible that lockdown measures may be maintained for longer. The evidence so far, however, is that the countries with the most successful vaccination programs—Israel, the United Kingdom and the United States—are experiencing sustained downtrends in new infections and hospitalization rates.

That said, gold trounced the S&P 500 in the 10-year period from November 2002 to October 2012, with a total price appreciation of 441.5%, or 18.4% annually. The S&P 500, on the other hand, appreciated by 58% over this period. The point here is that gold is not always a good investment. The best time to invest in almost any asset is when there is negative sentiment and the asset is inexpensive, providing substantial upside potential when it returns to favor, as indicated above.

A cash bank deposit is the simplest, most easily understandable investment asset—and the safest. Not only does it give investors precise knowledge of the interest they’ll earn, but it also guarantees they’ll get their capital back. On the downside, the interest earned from cash stored away in a savings account seldom beats inflation and loses around 2% a year. Exchange-traded funds (ETFs) have become quite popular since their introduction back in the mid-1990s. ETFs are similar to mutual funds, but they trade throughout the day, on a stock exchange, just like shares of stock. Unlike mutual funds, which are valued at the end of each trading day, ETF values fluctuate intra-day. Farrukh Kazmi is the founder of A&S Asset Management, I am committed to helping people achieve financial freedom by bringing Wall Street experience to the local investor.

An exchange-traded fund (ETF) is a collection of securities—such as stocks—that tracks an underlying index. The best-known example is the SPDR S&P 500 ETF (SPY), which tracks the S&P 500 Index. ETFs can contain many types of investments, including stocks, commodities, bonds, or a mixture of investment types. An exchange-traded fund is a marketable security, meaning it has an associated price that allows it to be easily bought and sold. An ETF is called an exchange-traded fund since it’s traded on an exchange just like stocks. The price of an ETF’s shares will change throughout the trading day as the shares are bought and sold on the market. This is unlike mutual funds, which are not traded on an exchange, and trade only once per day after the markets close.

Got a bicycle, motorbike or car? What about a Smartphone? That’s all you need to make some extra money by delivering food or people whenever you’ve got some spare time. Sign up to delivery specialist com panies like Deliveroo who are always on the hunt for new riders. They allow you total flexibility to work when you want, delivering food from restaurants to the customers’ door. You can make up to £16 an hour. Double-up your opportunities by directly contacting local takeaways and bigger chains like Dominos to see if they have any delivery jobs going.

Financial advisors may work in independent practices or part of a firm or financial institution. All advisors who work with the public must have a current Series 65 License. The National Association of Personal Financial Advisors (NAPFA) is a good place to start your search for help. A fee-based structure can be hourly, project, retainer or a flat ongoing amount that is derived from the percentage of assets being managed; usually, the greater the assets, the lower the percentage. Commission-based means the advisor charges a straight commission every time a transaction occurs or a financial product is purchased. All of our brokerage accounts are held and available for viewing at National Financial Services, a Fidelity Investments Company. Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. A&S Asset Management and BFCFS are independent entities. See more details at Farrukh Kazmi.

Whether its student loans, credit card, or mortgage debt, being in debt often keeps us up at night and is incredibly stressful. But don’t worry a lot of people get out of debt every day and you can too. Also, all debt is not created equal. To learn more check out my post on good debt vs bad debt, but the basics are pretty simple. Managing debt is just a numbers game. Always pay down your debt with the highest interest rate first. In almost all cases, credit card debt carries the highest interest rates, followed by private loans, student loans, and mortgages. While there are many strategies for paying down your debt, like paying off your smallest balance first and then moving onto your next biggest debt (aka debt snowball) or paying down your biggest debt first (debt avalanche), these aren’t great debt repayment strategies because they don’t focus on saving you the most money.

Deflation is defined as a period in which prices decrease, when business activity slows and the economy is burdened by excessive debt, which has not been seen globally since the Great Depression of the 1930s (although a small degree of deflation occurred following the 2008 financial crisis in some parts of the world).. During the Depression, the relative purchasing power of gold soared while other prices dropped sharply. This is because people chose to hoard cash, and the safest place to hold cash was in gold and gold coin at the time.

Meet Alexander D Powers and some of his start-up management and crypto development thoughts? Our strategy of integrated, vertical operations while developing and owning our proprietary technology provides our Company with the ability to enter global markets. We currently possess technology covering a variety of verticals, including Financial, Social Media, Crytpo Currency Exchanges, Logistics, Food industry, Media/Advertising, and Banking. Moreover, our vertical technology network is truly unique and unrivaled among its competitors. Through in-house development and continued ownership of our proprietary technology, the Company is able to mitigate and hedge operational risk, minimize overhead expense and maintain continuity of operations.

Alexander David Silverstone Powers crypto investment advices: The old way to validate Ethereum transactions was called ‘proof of work.’ Computers owned by humans would solve mathematical problems and burn up electricity in the process (similar to how Bitcoin works). With climate change being a hot topic, burning electricity is seen as a bad thing. With staking all you need to do if you want to validate transactions is deposit and lock up 32 Ethereum coins. When you help to validate Ethereum transactions you earn Ethereum. Why does this matter? Staking means those who validate and protect the network have to have skin in the game to do so. Skin in the game makes the people who connect to the network, and the network itself, more valuable. Staking means there will be less Ethereum available, too, because some of the supply will be locked up by those who choose to stake. Less Ethereum means more scarcity. Scarcity is a feature that has made Bitcoin incredibly valuable. It can have a similar affect on Ethereum over time. See extra information at Alexander Powers.

To make your first trade, input the amount of Bitcoin you want to buy in the provided field and click the buy button. On Coinbase or Coinbase Pro, this will be a basic “market” buy order, which will purchase Bitcoin at the best market rate. Alternatively, you can place a “limit” order, which lets you set a price you’re willing to pay for a certain amount and a trade will only happen if that amount shows up at that price.

Analyse historical price charts to identify telling patterns. History has a habit of repeating itself, so if you can hone in on a pattern you may be able to predict future price movements, giving you the edge you need to turn an intraday profit. For more details on identifying and using patterns, see here. This is one of the most important cryptocurrency tips. By looking at the number of wallets vs the number of active wallets and the current trading volume, you can attempt to give a specific currency a current value. You can then make informed decisions based on today’s market price. The more accurate your predictions, the greater your chances for profit. If you anticipate a particular price shift, trading on margin will enable you to borrow money to increase your potential profit if your prediction materialises. Exchanges have different margin requirements and offer varying rates, so doing your homework first is advisable.

Software developer and operator of fiat fintech, remit, neobanking, savings programs, merchant processing, payments, ewallets, advanced social media, e-commerce, billpay, Insurance, encrypted communications, sip, voip, sms connected together in a vertical network. About Alexander David Silverstone Powers: Over twenty years management experience with existing and start-up companies in Africa, EU, UK, Latin America and the United States. Fifteen years experience in Latin America and Africa. US Ambassador level experience in managing public relations/media, government relations and business development. Experienced in maintaining corporate social responsibility; AML/KYC, fraud prevention, maintaining high standards in corporate reputation for the investors, regulators, clients. Advanced SEO, SMO, Email, Growth Hacking, macro-influencers implementation and developer in blockchain/fiat based banking (BaaS), payment processing and social media technology.

Investment holding company with diversified portfolios in Central Africa and Latin America; Managed the corporate investment portfolio including: Gambling, Cryptocurrencies, Blockchain, Panama, Colombia, Costa Rica and African, gambling, agriculture, TV/media channels. While facilitating B2G development insurance deals for clients in eight African. Managed gold and diamond mining and buying export houses in the Central African Republic/Cameroon; High-pressure operations, large amounts of cash management, High-risk operation management, Government relations, press media, investor relations.

Top tax lawyer in Houston, Texas? Folks often have the misconception that if the lawsuit is not placed in their hands, they cannot be served and the lawsuit cannot proceed. This is not true and sometimes if you are served by alternative service you may not realize you have been served (if, for example, the lawsuit is affixed to your door and a nosy neighbor takes the lawsuit). If you are aware a lawsuit has been filed, do think if they have not put the lawsuit into your hands that the lawsuit cannot proceed. A lawsuit begins when the ‘Plaintiff’ (the person or company doing the suing) files the ‘Original Petition’ in the appropriate court. If the dollar amount the creditor is suing for is less than $10,000, the lawsuit will usually (but not always) be filed in a ‘Justice of the Peace’ court. Otherwise a lawsuit for an unpaid debt will typically be filed in the county court or district court for the county in which you live.

I hope that you find this website to be helpful and informative. Information on a website, however, is not a substitute for the knowledge and advice of an experienced bankruptcy attorney. Once you have had a chance to look over our website, please fill out the contact form or give us a call to talk more about the specifics of your situation. I will get back to you the same business day, if possible. Take your first step towards a fresh financial start! I think that customer service should be the number one priority in any business, but it is especially important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues.

What is involved in filing an Offer In Compromise with the IRS? There is an application fee to the IRS that must be paid along with several forms that must be completed. These forms include a full disclosure of your income, expenses and assets. The IRS can request paystubs, bank statements and other documents. Once you have gathered the information, a Houston tax attorney will perform the calculations needed to determine if an OIC is right to resolve your back tax debt. Find extra info on dovebankruptcylaw.com.

Out-of-pocket charitable contributions: It’s hard to overlook the big charitable gifts you made during the year by check or payroll deduction. But the little things add up, too, and you can write off out-of-pocket costs you incur while doing good deeds. Ingredients for casseroles you regularly prepare for a qualified nonprofit organization’s soup kitchen, for example, or the cost of stamps you buy for your school’s fundraiser count as a charitable contribution. If you drove your car for charity in 2019, remember to deduct 14 cents per mile. Jury pay paid to employer: Some employers continue to pay employees’ full salary while they are doing their civic duty, but ask that they turn over their jury fees to the company. The only problem is that the IRS demands that you report those fees as taxable income. If you give the money to your employer you have a right to deduct the amount so you aren’t taxed on money that simply passes through your hands.

First, you should find a bankruptcy attorney who can provide you with a free evaluation and estimate to file. The cost to file Chapter 13 bankruptcy consists of filing fees and fees charged by a bankruptcy attorney. Applicants need to pay a $235 filing fee to the bankruptcy court, as well as a $75 miscellaneous administrative fee. A list of creditors and the amount of their claims, Disclosure of the amount and sources of the debtor’s income, A list of the debtor’s property, as well as an accounting of all contracts and leases in the debtor’s name, A breakdown of the debtor’s monthly living expenses, Tax information, including a copy of the debtor’s most recent federal tax return and a statement of any unpaid taxes.

Meet With Your Tax Advisor: November is a good month to meet with a tax advisor, Powell says. They have finished their October tax filings and may have time in their schedule before the busy tax season starts after the first of the year. “If you sit down and do some math between now and the end of the year, you can make sure you are in a favorable tax bracket,” Barlin says. An advisor can help pinpoint strategies to reduce taxable income through retirement contributions or itemized deductions. That, in turn, may be key to ensuring households remain eligible for some income-based tax incentives such as student loan interest deductions. If you don’t regularly use a tax professional, Barlin says running numbers through tax software can be just as beneficial.

How Does Chapter 7 Bankruptcy Work? When you file for Chapter 7 bankruptcy, the court places an automatic temporary stay on your current debts. This stops creditors from collecting payments, garnishing your wages, foreclosing on your home, repossessing property, evicting you or turning off your utilities. The court will take legal possession of your property and appoint a bankruptcy trustee to your case.

Get to know Daryl LaFountain and some of his financial services opinions? You need a team of smart, reliable people who can help you pursue your goals. But hiring is expensive. Besides a full-time salary, employees have other requirements, such as benefits, bonuses, vacation time and equipment. Furthermore, you will need support for recruitment and for building and managing your compensation plans. Although some of this is unavoidable, you can minimize your financial burden by including contractors in your hiring plans. For example, instead of hiring a full-time marketing director and expecting them to be a jack-of-all-trades, consider hiring a team of freelancers. This will provide you with the expertise you need without the headcount. The same approach can apply to your management team. A fully burdened CFO can cost $300,000-$350,000 annually (sometimes more for “hot” areas like software as a service) and might be more than you need. Hiring a fractional CFO to provide advice and guidance is a more cost-effective option.

Daryl La Fountain‘s tips on improving your business financial situation: Separate Your Business and Personal Finances: One of the best ways to organize your business finances is to separate them from the personal ones. By splitting these things up, it’s much easier and faster to keep track of business expenses for tax purposes and other related uses. Remember, when you mix your business and personal funds, you may lose track of all your finances. This will jeopardize your organization in the long run. Thus, in order to ensure the separation of your personal and business finances, consider opening a distinct bank account. If you have credit cards, it’s best to designate one of them for business expenses. By doing this, you can keep everything organized, especially in terms of the financial aspect of your company.

To make sure that all of your hard-earned money doesn’t vanish, you’ll need to take steps to protect it. Here are some steps to think about, even if you can’t afford them all right now. If you rent, get renter’s insurance to protect the contents of your place from events such as burglary or fire. Read the policy carefully to see what’s covered and what isn’t. Disability income insurance protects your greatest asset—the ability to earn an income—by providing you with a steady income if you ever become unable to work for an extended period of time due to illness or injury. If you want help managing your money, find a fee-only financial planner to provide unbiased advice that’s in your best interest, rather than a commission-based financial advisor, who earns money when you sign up with the investments their company backs. The latter has a potentially divided loyalty (to their company’s bottom line and to you), while the former has no incentive to guide you down a wrong path.

Yup, taxes! Taxes are annoying, but they’re certainly not going away anytime soon. So make sure your long-term income projections include taxes. Not planning for taxes can impact your cash flow in a major way. In addition, you definitely want to look into tax savings investment options and stay up to speed on any relevant tax deductions you can apply to help you save money on tax payments. You can plan to sit with a tax accountant or financial planner to help ensure your plan for taxes is adequate. You should also check out our blog post on how to reduce your taxable income! Estate planning is not something a lot of people like to think about, but it’s essential! It allows you to determine exactly what happens to your assets after you are gone. It involves listing out all your assets, creating a will, and making it accessible to the people who need to have access to it. A financial planner or estate lawyer can help you set things up correctly.

About Daryl La Fountain: Daryl is an energetic professional CFO with a background in politics. Daryl has done fundraising, been a candidate, and worked in politically appointed positions in Pennsylvania and Philadelphia. Daryl has worked for Democratic candidates and nominees in 18 additional states. Reach out to Daryl about Political work if you: Are running for local office and are having trouble with ballot access.

Crypto and FOREX exchange today by KitcoMarkets? Most beginners make one common mistake: buying a coin because it’s price seems to be low or what they consider affordable. Take, for example, someone who goes for Ripple instead of Ethereum simply because the latter is much cheaper. The decision to invest in a coin should have very little to do with its affordability but a lot to do with its market cap. Just like the conventional stocks are gauged by their market caps, which is evaluated using the formula Current Market Price X Total Number of Outstanding Shares, the same applies to cryptocurrencies.

The strongest binary signal is a breakdown in the price chart of Senkou-B lines, and Chinkou-Span. This can be used to open the “grid” of options in the direction of a strong trend. The Ichimoku indicator works best on periods M30-H4, on shorter periods Kumo lines will be most accurate. On timeframes from D1 and higher, signals from trend lines are better. Let’s summarize. Profit from trend trading depends on the accuracy of the analysis and the correct expiration time – at least 3-5 periods of the timeframe. Therefore, you need to look at how binary options signals work on a demo account before using it for real trades.

They can also be expensive. Whilst there are many options like BTC Robot that offer free 60 day trials, you will usually be charged a monthly subscription fee that will eat into your profit. They can also be expensive to set up if you have to pay someone to programme your bot. On top of that, you’ll need to pay to have your bot updated as the market changes. So, whilst bots can help increase your end of day cryptocurrency profit, there are no free rides in life and you need to be aware of the risks. Perhaps then, they are the best asset when you already have an established and effective strategy, that can simply be automated. The most useful cryptocurrency trading tutorial you can go on is the one you can give yourself, with a demo account. Firstly, you will you get the opportunity to trial your potential brokerage and platform before you buy. Secondly, they are the perfect place to correct mistakes and develop your craft. You’ll usually be trading with simulated money, so mistakes won’t cost you your hard earned capital. Once you’ve trialled your strategy and ironed out any creases, then start executing trades with real money.

Kitco Market Vision: Remain the number one global FX and CFD provider while continuing to lead in technology, while growing new and supporting existing customers. Speedy Execution -Kitco utilises enterprise grade hardware on our trade servers in the data centre with multiple servers around the world and dedicated NY4 and LD4 servers. Our trading servers are collocated with the data server of our deep pool of liquidity providers. See more details on KitcoMarket.

Online: wallets run on the cloud and are accessible from any computing device in any location. While they are more convenient to access, online wallets store your private keys online and are controlled by a third party which makes them more vulnerable to hacking attacks and theft. Mobile: wallets run on an app on your phone and are useful because they can be used anywhere including retail stores. Mobile wallets are usually much smaller and simpler than desktop wallets because of the limited space available on mobile.

Kitco Markets crypto trading trick for today: Consider laddering your buys and sells. In others words, instead of buying or selling everything in one chunk, set incremental buy and sell orders to buy when the price goes down and sell when the price goes up. Laddering and averaging will help you to avoid mistiming the complex and volatile cryptocurrency market. Learn about dollar cost averaging and laddering. Learn about position sizing and risk management. To the above point, one generally takes a much larger risk with bigger bets. Learn how to make the right size buys and sells to avoid losing too much on a bad play. See: The Basics of Risk Management and Position Sizing in Cryptocurrency.

Kitco is a leading broker, offers ECN Pricing to its customers. We stream price feeds from our liquidity providers. The ECN account is the only choice for traders who demand absolute quality, performance and transparency from their broker. Knowing that traders value deep liquidity, the highest levels of price transparency, super speedy execution to ensure minimal slippage. The Electronic Communication Network (ECN), is best method used to meet all these needs, while keeping the entire trading experience seamless. This technology allows executable price streaming and an aggregation across multiple liquidity providers. You may ask what are the benefits and trade-offs. Benefits: Copy-trading enables you to diversify your portfolio into markets that you are unfamiliar with but want exposure to. Through copy trading, you can access another trader’s expertise or make the most of seasonal trends that you wouldn’t usually consider as a potential opportunity. Discover extra information at https://kitcomarkets.com/.

Excellent small business lines of credit offers Denver? Sale and lease back option: In this program, businesses have the option of leasing the equipment until all payments have been made. Then, the business will own the equipment at the end of the lease agreement. Startup businesses: This program is specifically designed for new businesses that have existed for two years or less. Instead of having to pay for the equipment upfront and spend precious monetary resources, startups can finance any heavy equipment and grow the business without the worry of huge financial loss. Aspen Commercial Lending offers the equipment financing you need to help your business thrive. Contact us to speak with an expert today to learn more about this opportunity and begin the process to secure this type of financing today.

Build credit scores. Your FICO score is commonly used in lending decisions, and small business lenders require a personal credit score for a loan application. If your business is more established, it will have its own credit score ranging from 0 to 100. Know the minimum qualification requirements. Meeting the lender’s minimum qualification requirements will make you a stronger candidate for receiving a loan from them. Some lenders are a little more flexible if you over-perform in one area while underperforming in a different area. The SBA has stricter requirements, while online lenders can be much easier.

If your company has less than perfect credit, you may want to consider looking into a hard money loan instead of a conventional mortgage. Hard money loans depend mostly on the value of the property, and not on the borrower’s creditworthiness. Typically, the property itself secures the loan, ensuring there’s enough equity to pay the debt back in the case of defaulting on the loan. However, hard money loans sometimes come with associated fees that can drive up their overall cost for you. Read extra info at sba commercial real estate loan.

At Aspen Commercial Lending, we strive to provide businesses with financing designed to meet their unique needs and to fit within their budgets. Though every company’s needs are different, one loan small businesses routinely benefit from is the small business loan. For help with the application process, and to increase your odds of getting approved, contact our commercial lending team today. The SBA loan may be for small businesses, but that doesn’t mean it offers limited capital. Because of our position as a Preferred Financial Services Company, we can comfortably grant loans of up to $5 million with competitive rates and flexible terms. For both the 7a and 504 programs, our rates are fixed and variable. We offer terms of up to 25 years with full amortization and do not charge prepayment penalties.

Whether you have an owner-occupied or an investment property, there is a real estate loan to suit your needs. Our loans cover a wide range of properties including storage units, hospitals and healthcare centers, rental housing and even construction properties around the world. Among Aspen Commercial Lending’s portfolio of products are these commercial real estate financing options: Conventional loans; SBA 504 and 7a funding; Bridge financing; Construction monies; International funding; Mezzanine and equity loans; FHA and HUD loans; Commercial mortgage backed security funding. Our experts can help you determine which financing option best suits your commercial property needs and tell you more about the specific details and benefits of each loan. All you have to do is give us a call at your earliest convenience. Your company deserves a loan that helps you reach your full potential as a business in terms of commercial property. Contact Aspen Commercial Lending today to get started on your application for commercial real estate financing. Our experts can help you choose the right loan and secure your property financing. Discover extra information at https://aspencommerciallending.com/.

The climb of a crypto investment expert : Kolin Lukas? They can also be expensive. Whilst there are many options like BTC Robot that offer free 60 day trials, you will usually be charged a monthly subscription fee that will eat into your profit. They can also be expensive to set up if you have to pay someone to programme your bot. On top of that, you’ll need to pay to have your bot updated as the market changes. So, whilst bots can help increase your end of day cryptocurrency profit, there are no free rides in life and you need to be aware of the risks. Perhaps then, they are the best asset when you already have an established and effective strategy, that can simply be automated. The most useful cryptocurrency trading tutorial you can go on is the one you can give yourself, with a demo account. Firstly, you will you get the opportunity to trial your potential brokerage and platform before you buy. Secondly, they are the perfect place to correct mistakes and develop your craft. You’ll usually be trading with simulated money, so mistakes won’t cost you your hard earned capital. Once you’ve trialled your strategy and ironed out any creases, then start executing trades with real money.

Kolin Lukas crypto currency trading advices: Why is a Bitcoin ETF important? Well, Bitcoin isn’t the easiest asset to deal with. Custody, for example, can cause some serious headaches for a large institution. After all, Goldman Sachs won’t just plug a hardware wallet into a laptop and YOLO (transfer) $2B of Bitcoin on it. Large financial institutions don’t operate in the same way as individual investors, and they need a complex regulatory framework and financial plumbing to be able to participate in this space. This is why an ETF can go a long way to bring adoption and expand the potential investor base. It can give price exposure for participants in the traditional markets without them having to worry about all the nitty-gritty of physically owning the coins.

A cryptocurrency wallet is a software program that stores private and public keys and interacts with various blockchain to enable users to send and receive digital currency and monitor their balance. If you want to use Bitcoin or any other cryptocurrency, you will need to have a digital wallet. How Do They Work? Millions of people use cryptocurrency wallets, but there is a considerable misunderstanding about how they work. Unlike traditional ‘pocket’ wallets, digital wallets don’t store currency. In fact, currencies don’t get stored in any single location or exist anywhere in any physical form. All that exists are records of transactions stored on the blockchain.

Bitcoin is 12 years old. Ethereum is 5.5 years old. Ethereum still has a long way to go and is just getting started. Bitcoin is big. Ethereum’s potential is bigger. Let me give you the reason in one sentence: Ethereum has the power to reinvent the global financial system, become the platform all future decentralized apps are built on, and to fix ownership once and for all. Those three reasons are what makes Ethereum the quiet sleeper, and the next big mover after Bitcoin. Ethereum 2.0 is going to make Ethereum scarcer and bring simplified new features that will mimic some of the positives of Bitcoin. You can benefit from the Ethereum revolution by doing your own research and being incredibly patient. The future is being built on Ethereum right in front of you.. About Kolin Lukas: Kolin Lukas is a freelance writer for over 100 different publications. Ranked a Top 30 U 30 Crypto Entrepreneur in 2017, Kolin went on a national tour giving away tens of thousands of dollars to people all across the country. An analytics guy at heart, Kolin provides daily content for users for sports, crypto, tech, business entrepreneurship & more!

Learn the Difference Between a Bear Market and Bull Market. General wisdom says “Buy support in a bull, sell resistance in a bear.” Regardless of what type of investor or trader you are… you should learn to spot the difference between a bear and bull market and shift your tactics appropriately. From 2015 – 2017, during a long bull run, you could essentially buy every Bitcoin dip and come out ahead. In 2014 and 2017 buying dips was mostly rewarded with heavy losses. In 2014 and 2018, two bearish years, shorts could short every resistance and profit. In 2015 – 2017, it was rarely safe to short Bitcoin. Knowing the difference between a bull and a bear can be a big deal in any asset, but with the brutal market cycles of crypto, it is especially important to learn the difference.

The old way to validate Ethereum transactions was called ‘proof of work.’ Computers owned by humans would solve mathematical problems and burn up electricity in the process (similar to how Bitcoin works). With climate change being a hot topic, burning electricity is seen as a bad thing. With staking all you need to do if you want to validate transactions is deposit and lock up 32 Ethereum coins. When you help to validate Ethereum transactions you earn Ethereum. Why does this matter? Staking means those who validate and protect the network have to have skin in the game to do so. Skin in the game makes the people who connect to the network, and the network itself, more valuable. Staking means there will be less Ethereum available, too, because some of the supply will be locked up by those who choose to stake. Less Ethereum means more scarcity. Scarcity is a feature that has made Bitcoin incredibly valuable. It can have a similar affect on Ethereum over time. Discover additional information on Altus Crypto.

There’s a need for one to be more than cautious when looking to invest in any ICO. Knowing when to or not to invest in an ICO is not about science; rather, it’s about paying close attention to those details that most people seem to overlook while only focusing on the promised returns. Conduct a background check on the team behind the project and analyze their ability to deliver on their promise. In addition, you should also look at the viability of the idea behind the ICO, poke holes in the project’s white paper and seek answers where necessary. That will ensure that no stone is left unturned and, if by the end of it you still have doubts about the project, you’re better of passing than chance it investing in that ICO.

IEO phase launched for FAR crypto token. What is FarSwap? FarSwap is a software running on ethereum Blockhain that seeks to incentivize a network of users to operate a platform where users can Lend, borrow, buy and sell Crypto assets and earn massive rewards. Lend and Borrow without KYC Get rewarded with Far token whenever you lend or borrow on FarSwap platform.

FarSwap has created its own system as a great alternative profit earning platform for cryptocurrency holders. And it invites each and every investor to take a part in FarSwap project. In the two years since its launch, Uniswap has solidified its position as one of DeFi’s leading platforms . However, protocol designs became a standard in their own right and many project mechanics began to proceed. On top of that, we designed Farswap: By taking the elegant core design of Uniswap, we added community-oriented features that we believe will help to improve the design of the protocol and provide more benefits to the relevant actors. Find more details on sell crypto assets by FarSwap.

Round 1: FARSWAP SHO Offer

Allocation: 125,000 USD for 250 Participants , Timeline: Start date of applying: 24/02/2021 10:00 UTC ; Whitelist Termination: 26/02/2021 10:00 UTC ; Announcement of Winners: 26/09/2021 13:00 UTC; Deadline for Deposit: 01/03/2020 19:00 UTC.

How do I participate:
Step 1: Go to FarSwap Platform: farswap.com and click the Whitelist tab.
Step 2: Fill out the whitelist form, make sure you have typed your ethereum address correctly on your whitelist form.
Step 3: Wait for the whitelist timeline to finish and the check the announcement of the winners list of applicants to the whitelist. Winners will be notified via email, so please log in to the platform after the winners are announced and also don’t forget to check your spam folder in your mailbox.
Step 4: Follow the instructions and send the correct amount of money in the correct currency to the given address. Users who send too many or the wrong currency will be removed from the sale and their assets will be refunded only after the sale will end.

Round 2 of the Strong Holder Offering:

The second round of the Farswap SHO program. To be eligible for a SHO lottery ticket, users must input all of the above required informations to the WhiteList . Those users who will be participating in SHO Round 1, can participate in SHO Round 2 again.

Factors that will increase the chances of winning for SHO include:

– Keeping tokens longer.
– If the wallet adress which was added to the White List has a FAR tokens which were already purchased from IEO.
– Holding more tokens.

Overview: Allocation: 75.000 USD for 150 Participants

Timeline:
– Start: 02/03/2021 10:00 UTC
– SHO WhiteList application deadline: 05/03/2021 13:00 UTC
– Announcement of Winners: 05/03/2021 15:00 UTC
– Deadline for Deposit : 07/03/2021 18:00 UTC

How do I participate:

Step 1: Go to FarSwap Platform at https://strongsale.farswap.com/ and click on the SHO tab.
Step 2: Link your wallet address with strong sale .
Step 3: Wait for the end of the SHO timeline and the SHO winner announcement. Winners will be notified via email, so please log into the platform after the winners are announced and also check out your mailbox spam folder.
Step 4: Send the correct amount of money to the address provided in the correct currency after you win. Users who send too many or the wrong currency will be removed from the sale and are refunded only after the sale is complete.

Tokens Sold in both rounds will be priced at 0.000308 ethereum. 25% of the tokens will be distributed to the participants during the listing. To encourage the Farswap Protocol and create a healthy start, Round 1 and Round 2 participants are required to use the Farswap Protocol at least once using their whitelisted wallet in the Ethereum mainnet. Other distributions will be distributed after 1 month.

Far lending and borrowing platform is developed and programmed for users to receive FAR token for reward anytime they lend or borrow cryptocurrency on the platform. users earn 2 %additional bonus when they choose to pay back loan with FAR token. users can stake the rewards they earn on FarSwap to earn more FAR token or exchange the FAR token to usdt. users is requird to lock certain amount of FAR token befor they can borrow funds on the platform. No KYC is needed for this operation. Lend and borrow with little or no fee in return. users can also borrow or lend any crytocurrencies of their choice. Find more information on https://farswap.com/.

Key Links

Chainx Exchange Membership: https://chainx.kr/chainvest-detail/2740
SHO page : https://strongsale.farswap.com
Whitelist Form : https://docs.google.com/forms/d/e/1FAIpQLSflhqFFKKVeYLq-wQMBQ3ZzJMaFdZmlrAuKf-4XkCs-Jlm7sg/viewform
Round 2 Presale Form : https://docs.google.com/forms/d/e/1FAIpQLSfYjaCWb37TxLzIFRjRPwn30xgXY6VGq7m1bKQoG2fBIeY7cQ/viewform

General info about crypto currencies and disclaimers

Altcoins and Bitcoins tend to react to each other. Sometimes they do the opposite of each other and sometimes they do exactly the same thing. It is not rare to see Bitcoin go down while alts go up (and vice versa). This is because almost everyone who has alts has Bitcoin, so they tend to move out of Bitcoin when it goes down and move into alts (and vice versa). Almost just as often as this is the case it isn’t the case. Many times, all coins will go up or down together (generally following Bitcoin’s lead). This dance often results in Bitcoin outperforming altcoins, however every x months we will see an alt boom where alts outpace Bitcoin quickly. If you can time that, great. Try to spot it coming and there is big money to be made. Meanwhile, alts can be tricky to just HODL, as they tend to lose value against fiat and BTC in the off season. Learn more about the relationship between Bitcoin and Alts. In a word, alts are generally more volatile than Bitcoin.

Backup your wallet. Store only small amounts of currency for everyday use online, on your computer or mobile, keeping the vast majority of your funds in a high-security environment. Cold or offline storage options for backup like Ledger Nano or paper or USB will protect you against computer failures and allow you to recover your wallet should it be lost or stolen. It will not, however, protect you against eager hackers. The reality is, if you choose to use an online wallet there are inherent risks that can’t always be protected against.

Final Word On Brokers: This isn’t a decision to take lightly. Do the maths, read reviews and trial the exchange and software first. Coinbase is widely regarded as one of the most trusted exchanges, but trading cryptocurrency on Bittrex is also a sensible choice. CEX.IO, Coinmama, Kraken and Bitstamp are other popular options. Cryptocurrency Trading For Beginners : Before you choose a broker and trial different platforms, there are a few straightforward things to get your head around first. Understanding and accepting these three things will give you the best chance of succeeding when you step into the crypto trading arena. Find out what’s growing – Bitcoin, Ethereum and Litecoin top the list for tradability and ease of use. However, there are also Zcash, Das, Ripple, Monero and several more to keep an eye on. Do your homework and find out what’s on the up and focus your attention there.

High quality sell my business company US? Spectrum Wealth Partners provides family and individual wealth management services that aim to help preserve and enhance your wealth. The success of a portfolio is directly tied to the investment plan developed for our clients. A thorough investment plan is vital to the implementation of any investment strategy and is the blueprint for the purchase of every security in a client account. In the investment review process, our advisors capture all of our client’s personal information and current investments, as well as the goals and objectives they seek to achieve.

James Westermeyer, Family Wealth Advisor and Managing Partner at Spectrum Wealth Partners, coaches his clients to success by helping them make the best decisions possible regarding their wealth. In particular, he helps clients identify and implement strategic and creative solutions to addressing estate, business succession, and investment planning challenges and opportunities. These solutions help enable his clients to keep what they accumulate, conserve and protect their wealth, and distribute their assets with a focus on reducing taxes and complexity.

Whether you are a “C-suite” executive or a recent recipient of a stock incentive package, it is imperative you have a strategy to manage your company stock. Most companies offer non-qualified stock options (NQSO), incentive stock options (ISO), restricted stock units (RSU), or employee stock purchase plans (ESPP), all with specific rules, tax treatment, and planning opportunities. Our team is well equipped to assist our clients in implementing a strategy that integrates your company stock with your investment portfolio and financial plan to ensure you take full advantage of your company’s stock incentive plan. See many more information on wealth management alamo.

We believe in the Lincoln Finanial Advisors philosophy of Service – First, Last and AlwaysSM. We believe long-term relationships are more important than short-term gains, and will never sacrifice the former for the latter. Conviction in what we do; the courage to get our clients to take action; competency based on continuing education and training; bringing national resources together on a team that will benefit each client; and communication that builds understanding and trust – these are the qualities of our “Serve First” philosophy. And these are the commitments we make to each of our clients. If this is the kind of partnership that makes sense to you, give us the opportunity to personally discuss the benefit of our work with you. We are confident you’ll be glad you did.

At Spectrum Wealth Partners, we follow the Lincoln Financial Advisors philosophy of “Service first, last, and always.” We see the world through the eyes of our clients; your success is our success. Our partners’ combined industry experience spans over 80 years, and with locations all around the Bay Area we provide a wide range of financial, business succession, and employee benefit services in association with Lincoln Financial Group. This powerful combination gives our clients the experience of working with a local advisor, while having access to the significant resources a Fortune 500 financial firm offers. Discover many more details at http://spectrumwealthpartners.com/.

The climb of an investment executive professional : Farrukh Kazmi? That said, gold trounced the S&P 500 in the 10-year period from November 2002 to October 2012, with a total price appreciation of 441.5%, or 18.4% annually. The S&P 500, on the other hand, appreciated by 58% over this period. The point here is that gold is not always a good investment. The best time to invest in almost any asset is when there is negative sentiment and the asset is inexpensive, providing substantial upside potential when it returns to favor, as indicated above.

Spend Less Than You Earn: Yeah, yeah, I know, it sounds obvious, right? Well, it must not be because according to CNBC, 78% of Americans working full-time are living paycheck to paycheck. Here’s the thing: It’s easy to KNOW that you should be spending less than you earn, it’s a lot harder to actually do it. However, if you want to escape the paycheck-to-paycheck lifestyle that so many others live, you need to spend less than you earn. This is one of the most crucial but basic personal finance tips ever. In order to do this, you need to track your spending. You can do this by either writing your purchases down or by using a free personal finance app. Business Debt: There are a lot of online business ideas you can start on the cheap these days, but a small investment can also go a long way in certain endeavors. Business loans are considered good debt because they are put towards something with the goal of increasing your net worth.

If you’ve got a good presence on social media or perhaps you even have a blog or website, you can start bringing in money immediately by promoting all sorts of companies, products, services and offers online. Sign up as a publisher on the Awin network, check their offers blog or browse the merchant listings to find something you think your friends would be interested in, grab your affiliate link and share it. If someone buys (can be within up to 90 days) using your link you’ll make a nice commission. To take it a step further, set up a website (read our guide) or a topical Facebook page and invite all your friends to join it and post your affiliate offers on there.

Although the U.S. dollar is one of the world’s most important reserve currencies, when the value of the dollar falls against other currencies as it did between 1998 and 2008, this often prompts people to flock to the security of gold, which raises gold prices . The price of gold nearly tripled between 1998 and 2008, reaching the $1,000-an-ounce milestone in early 2008 and nearly doubling between 2008 and 2012, hitting around the $1800-$1900 mark. The decline in the U.S. dollar occurred for a number of reasons, including the country’s large budget and trade deficits and a large increase in the money supply. Farrukh Kazmi is the founder of A&S Asset Management, I am committed to helping people achieve financial freedom by bringing Wall Street experience to the local investor.

An ETF can own hundreds or thousands of stocks across various industries, or it could be isolated to one particular industry or sector. Some funds focus on only U.S. offerings, while others have a global outlook. For example, banking-focused ETFs would contain stocks of various banks across the industry. Bond ETFs might include government bonds, corporate bonds, and state and local bonds—called municipal bonds. Industry ETFs track a particular industry such as technology, banking, or the oil and gas sector. Commodity ETFs invest in commodities including crude oil or gold. Currency ETFs invest in foreign currencies such as the Euro or Canadian dollar. Inverse ETFs attempt to earn gains from stock declines by shorting stocks. Shorting is selling a stock, expecting a decline in value, and repurchasing it at a lower price.

Whether its student loans, credit card, or mortgage debt, being in debt often keeps us up at night and is incredibly stressful. But don’t worry a lot of people get out of debt every day and you can too. Also, all debt is not created equal. To learn more check out my post on good debt vs bad debt, but the basics are pretty simple. Managing debt is just a numbers game. Always pay down your debt with the highest interest rate first. In almost all cases, credit card debt carries the highest interest rates, followed by private loans, student loans, and mortgages. While there are many strategies for paying down your debt, like paying off your smallest balance first and then moving onto your next biggest debt (aka debt snowball) or paying down your biggest debt first (debt avalanche), these aren’t great debt repayment strategies because they don’t focus on saving you the most money. Read additional details at Farrukh Kazmi.

Perhaps you just had a baby and want to ensure their future in case the worst happens. Many parents seek help for college savings for children and setting up estates that can convey wealth to future generations. The approach to investing at or during retirement is different than that of a young worker. As you near retirement your risk tolerance level will change, and your style of investing should change as well. Perhaps your company is offering a too-good-to-resist early-retirement package, and you want to make sure the money lasts. All of our brokerage accounts are held and available for viewing at National Financial Services, a Fidelity Investments Company. Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. A&S Asset Management and BFCFS are independent entities.

Example of a Forex Trade: The EUR/USD rate represents the number of US Dollars one Euro can purchase. If you believe that the Euro will increase in value against the US Dollar, you will buy Euros with US Dollars. If the exchange rate rises, you will sell the Euros back, making a profit. Think of this as a sexy new version of a stock, where the underlying thesis is the idea of decentralized ownership and value. For any other currencies in the market it is debt-based and backed by the respective monetary authorities. This also means that they are free to increase or decrease the supply to implement their policies on the market. For cryptocurrencies, they are limited in supply, hence the free market is completely at play here (demand and supply).

Top investment advice for medical professionals? Managing Money requires a Broad understanding of Personal finances, along with maintaining balance plus understanding of Risk and Return of the Financial decision. And things become difficult to manage for some when they are serving practice loans, Home Loans, car loans etc. Investing is only one part of it, but being in the right investments, which suits your Risk profile and Your Goals (rather than the sellers targets) is another. Plus continuing with the investments, doing the timely rebalancing, knowing when to start and when to stop, requires a behavioural management too.

You Will get a Wealth Monitor,as in online Real time view of your Investments and Assets, to have a clear Idea on where you are going. The Earlier you Start, better it is. But In Financial Planning its never too late. If you are a beginner or have already started investing or have been investing for quite many years, but are not sure which direction you are going and if you are on Right Track or not.

Once we have your Vitals at place, and the other reports like cash flow, net worth, Loan analysis, Savings requirements, we will write your Financial plan and come up with the best possible solution for the achievement of your financial goals. We may advise you discontinuing your insurance policies or increasing the Insurance cover, We may tweak your Investment Plan, may advise you on how to save more on taxes etc. But all our advise would depend on the Diagnostic reports and Your Requirements.

Manikaran Singal is the Founder and Chief Financial Planner at Dr Good Money. Manikaran is MBA Finance (Gold medalist), Certified Financial Planner and SEBI Registered Investment Adviser. Having 17+ years of extensive experience, he is managing clients across the globe. He has authored a book titled – “The Art of Being Good with Money” published by CNBC TV 18, India’s Biggest Media House. He is a Regular Contributor in leading Media Houses and his articles keep getting published in different prominent business magazines and Journals. He is of the strong Opinion that Money Behaves the Way you treat it. and if you really want to get Good out of it, first you have to behave good with it. Discover additional information on Financial Planning for doctors.

What Investment Products will you advice on? Will you be selling me some ULIPs? Our advisory will mainly be on Asset Classes. Then, from products level we prefer doing Mutual funds. Insurance we would always advice to keep separate from Investments so will advice on the low cost options there too. We would also advice on the traditional Investments like PPF , SCSS and post office savings. Bank deposits also gets considered in some case. It all depends on your requirements, Risk profile, taxation profile etc.

You understand the Importance of Procedure, Process, Protocols. You follow the same diligently while treating your Patients. A Registered and Certified Financial Planner follow the strict process and don’t prescribe without diagnosis. Monitors as per checklist and Do Timely Review of Vitals. A Chemist is not a Doctor, who knows this better than you. Still patients go to Chemists to avoid Doctors Fees and also to get easy solutions. But ultimately it is the doctor who cures them fully. You also have to understand this and talk to financial doctors (Planners) for your financial health. Yes You are different from your colleagues. your needs and requirements are different than your Friends, your story is different. You just can’t copy them. One size does not fit all in Financial planning. A good financial Planner will Understand your requirements, your risk profile, your goals, your family profile and needs, Short medium and long term goals and then only advice you on the action steps. Discover even more information on https://drgoodmoney.com/.

Strategies to make extra cash guides from asset management professional Farrukh Kazmi? A company’s ability to sustain healthy dividend payouts is greatly enhanced if it has consistently low debt levels and strong cash flows, and the historical trend of the company’s performance shows steadily improving debt and cash flow figures. Since any company goes through growth and expansion cycles when it takes on more debt and has a lower cash on hand balance, it’s imperative to analyze their long-term figures rather than a shorter financial picture timeframe. In order to ascertain the investment merits of gold, let’s check its performance against that of the S&P 500 for the past 10 years. Gold has underperformed compared to the S&P 500 in the 10-year period ending Jan. 26, 2018, with the S&P GSCI index generating 3.27% compared to the The S&P 500, which has returned 10.36% over the same period.

To keep demand high across generations, Disney Studios carefully restrict the supply of some home release classics. They are locked away in the ‘vault’ for 8-10 years before being released for a short unspecified time. Buy them in this window at normal retail price and you can turn a nice profit when they go off sale for another decade or so. For example, in 2011 you could buy Beauty and the Beast on Blu-ray 3D for just £24.99. In just a couple of years it was on Amazon for a staggering £74.99!

Deflation is defined as a period in which prices decrease, when business activity slows and the economy is burdened by excessive debt, which has not been seen globally since the Great Depression of the 1930s (although a small degree of deflation occurred following the 2008 financial crisis in some parts of the world).. During the Depression, the relative purchasing power of gold soared while other prices dropped sharply. This is because people chose to hoard cash, and the safest place to hold cash was in gold and gold coin at the time. Farrukh Kazmi is the founder of A&S Asset Management, I am committed to helping people achieve financial freedom by bringing Wall Street experience to the local investor.

Cryptocurrencies are systems that allow for the secure payments of online transactions that are denominated in terms of a virtual “token,” representing ledger entries internal to the system itself. “Crypto” refers to the fact that various encryption algorithms and cryptographic techniques, such as elliptical curve encryption, public-private key pairs, and hashing functions, are employed. The first cryptocurrency to capture the public imagination was Bitcoin, which was launched in 2009 by an individual or group known under the pseudonym, Satoshi Nakamoto. As of February 2019, there were over 17.53 million bitcoins in circulation with a total market value of around $63 billion (although the market price of bitcoin can fluctuate quite a bit). Bitcoin’s success has spawned a number of competing cryptocurrencies, known as “altcoins” such as Litecoin, Name coin and Peercoin, as well as Ethereum, EOS, and Cardano. Today, there are literally thousands of cryptocurrencies in existence, with an aggregate market value of over $120 billion (Bitcoin currently represents more than 50% of the total value).

Whether its student loans, credit card, or mortgage debt, being in debt often keeps us up at night and is incredibly stressful. But don’t worry a lot of people get out of debt every day and you can too. Also, all debt is not created equal. To learn more check out my post on good debt vs bad debt, but the basics are pretty simple. Managing debt is just a numbers game. Always pay down your debt with the highest interest rate first. In almost all cases, credit card debt carries the highest interest rates, followed by private loans, student loans, and mortgages. While there are many strategies for paying down your debt, like paying off your smallest balance first and then moving onto your next biggest debt (aka debt snowball) or paying down your biggest debt first (debt avalanche), these aren’t great debt repayment strategies because they don’t focus on saving you the most money. Read extra info on Farrukh Kazmi.

A financial advisor is a broad term that covers many types of professionals. They may help you manage your investments by facilitating the buying and selling of securities. These individuals include bankers, accountants, stockbrokers, insurance agents, and estate planners. Financial advisors handle a wide range of money matters for individuals and businesses while a financial planner handles more specialized matters. All of our brokerage accounts are held and available for viewing at National Financial Services, a Fidelity Investments Company. Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. A&S Asset Management and BFCFS are independent entities.

A stock (also called a share) is a part of ownership in a company. It represents a claim on the company’s assets and earnings and what that entitles you to do is to attend the Annual General Meetings (AGMs) and dividends payout if declared by the company. So essentially by buying into this company, you are betting that the management team and company fundamentals are able to get you more returns. Bonds are debt instruments in which investors effectively loan money to a company or agency (the issuer), in exchange for periodic interest payments, plus the return of the bond’s face amount, once the bond matures. Bonds are issued by corporations, the federal government, and many states, municipalities, and governmental agencies.

The rise of an investment expert : Farrukh Kazmi? We offer a wide range of financial services to individuals and business owners. We believe you will be better able to identify your goals and make sound decisions to help reach them by A&S providing our financial information. Please call us if you have any questions about our firm or the range of Investment services we provide. Our firm has a relationship with a variety of financial services companies, so if we don’t have a product or service, we know a group that does. One of the many benefits of working with A&S Asset Management is our ability to provide clear, easily understood explanations of financial markets, financial ideas, and where you fit within them. The personalized program that we can provide is a road map to working toward a more secure financial future.

A cash bank deposit is the simplest, most easily understandable investment asset—and the safest. Not only does it give investors precise knowledge of the interest they’ll earn, but it also guarantees they’ll get their capital back. On the downside, the interest earned from cash stored away in a savings account seldom beats inflation and loses around 2% a year. Exchange-traded funds (ETFs) have become quite popular since their introduction back in the mid-1990s. ETFs are similar to mutual funds, but they trade throughout the day, on a stock exchange, just like shares of stock. Unlike mutual funds, which are valued at the end of each trading day, ETF values fluctuate intra-day.

That said, gold trounced the S&P 500 in the 10-year period from November 2002 to October 2012, with a total price appreciation of 441.5%, or 18.4% annually. The S&P 500, on the other hand, appreciated by 58% over this period. The point here is that gold is not always a good investment. The best time to invest in almost any asset is when there is negative sentiment and the asset is inexpensive, providing substantial upside potential when it returns to favor, as indicated above.

Farrukh Kazmi is the founder of A&S Asset Management, I am committed to helping people achieve financial freedom by bringing Wall Street experience to the local investor.

According to a 2019 CNBC and Acorns Invest survey, over a third of Americans don’t have a good understanding of what a financial advisor actually does. That figure balloons to 46% for Millennials. So what kind of services do financial advisors and planners provide? Broadly, they can help you manage your financial life using a variety of strategies and products to both manage your wealth and improve your financial habits.

Cryptocurrencies are encrypted decentralized digital currencies that are transferred between individuals. These currencies are not tangible and exist only in the electronic from, it is a digital asset that exists and remains as data. They allow a person to send money just like sending an email, much lower transaction times compared to using a bank, minimal fees, no credit cards and no middleman. The joint bookkeeping process is called a “Blockchain”, it is public and is distributed across the network of all the people that have the same coin, for example everybody that has Bitcoin has a copy of the ledger and its transactions, which creates a community of trust. Each cryptocurrency is individually identifiable and programmable based on a very complex digital code.

All of our brokerage accounts are held and available for viewing at National Financial Services, a Fidelity Investments Company. Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. A&S Asset Management and BFCFS are independent entities. Find even more details on Farrukh Kazmi.

Demand for gold has also grown among investors. Many are beginning to see commodities, particularly gold, as an investment class into which funds should be allocated. In fact, SPDR Gold Trust, became one of the largest ETFs in the U.S., as well as one of the world’s largest holders of gold bullion in 2008, only four years after its inception.

Farrukh Kazmi investment broker expert gives advices about how to make more cash? Got a bicycle, motorbike or car? What about a Smartphone? That’s all you need to make some extra money by delivering food or people whenever you’ve got some spare time. Sign up to delivery specialist com panies like Deliveroo who are always on the hunt for new riders. They allow you total flexibility to work when you want, delivering food from restaurants to the customers’ door. You can make up to £16 an hour. Double-up your opportunities by directly contacting local takeaways and bigger chains like Dominos to see if they have any delivery jobs going.

In general, gold is seen as a diversifying investment. It is clear that gold has historically served as an investment that can add a diversifying component to your portfolio, regardless of whether you are worried about inflation, a declining U.S. dollar, or even protecting your wealth. If your focus is simply diversification, gold is not correlated to stocks, bonds, and real estate. Gold stocks are typically more appealing to growth investors than to income investors. Gold stocks generally rise and fall with the price of gold, but there are well-managed mining companies that are profitable even when the price of gold is down. Increases in the price of gold are often magnified in gold stock prices. A relatively small increase in the price of gold can lead to significant gains in the best gold stocks and owners of gold stocks typically obtain a much higher return on investment (ROI) than owners of physical gold.

A stock (also called a share) is a part of ownership in a company. It represents a claim on the company’s assets and earnings and what that entitles you to do is to attend the Annual General Meetings (AGMs) and dividends payout if declared by the company. So essentially by buying into this company, you are betting that the management team and company fundamentals are able to get you more returns. Bonds are debt instruments in which investors effectively loan money to a company or agency (the issuer), in exchange for periodic interest payments, plus the return of the bond’s face amount, once the bond matures. Bonds are issued by corporations, the federal government, and many states, municipalities, and governmental agencies. Farrukh Kazmi is the founder of A&S Asset Management, I am committed to helping people achieve financial freedom by bringing Wall Street experience to the local investor.

An ETF can own hundreds or thousands of stocks across various industries, or it could be isolated to one particular industry or sector. Some funds focus on only U.S. offerings, while others have a global outlook. For example, banking-focused ETFs would contain stocks of various banks across the industry. Bond ETFs might include government bonds, corporate bonds, and state and local bonds—called municipal bonds. Industry ETFs track a particular industry such as technology, banking, or the oil and gas sector. Commodity ETFs invest in commodities including crude oil or gold. Currency ETFs invest in foreign currencies such as the Euro or Canadian dollar. Inverse ETFs attempt to earn gains from stock declines by shorting stocks. Shorting is selling a stock, expecting a decline in value, and repurchasing it at a lower price.

Perhaps you just had a baby and want to ensure their future in case the worst happens. Many parents seek help for college savings for children and setting up estates that can convey wealth to future generations. The approach to investing at or during retirement is different than that of a young worker. As you near retirement your risk tolerance level will change, and your style of investing should change as well. Perhaps your company is offering a too-good-to-resist early-retirement package, and you want to make sure the money lasts. All of our brokerage accounts are held and available for viewing at National Financial Services, a Fidelity Investments Company. Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. A&S Asset Management and BFCFS are independent entities. Read more info at Farrukh Kazmi.

See, the sum is much greater than the parts. It’s like a formula, where the more things that you do right the more money you’ll be making and the faster you’ll reach financial freedom. While each of these is important, when you manage all of them well, you’re going to be making the most of your money and your time. It’s also important to track everything using a simple free app like Personal Capital. When you manage your money well, it’s like making money in your sleep.

Although the U.S. dollar is one of the world’s most important reserve currencies, when the value of the dollar falls against other currencies as it did between 1998 and 2008, this often prompts people to flock to the security of gold, which raises gold prices . The price of gold nearly tripled between 1998 and 2008, reaching the $1,000-an-ounce milestone in early 2008 and nearly doubling between 2008 and 2012, hitting around the $1800-$1900 mark. The decline in the U.S. dollar occurred for a number of reasons, including the country’s large budget and trade deficits and a large increase in the money supply.

Probate bonds Florida info by AmeriPro Surety Bonds? Probate is defined as the process by which a will is proven. It is likely that if you are on this page, you may have recently learned that as a condition of being appointed an Representative or Trustee to an estate, a probate surety bond is required. While the probate process — and the related surety bond— typically refers to the estate of a decedent, in California, the following persons may also require a surety bond: Administrators; Guardians of minors; Guardian of someone incapacitated; Temporary guardian of minors; Veterans Affairs – Court appointed; Veterans Affairs – non-court appointed. All such classes of probate-related surety bonds are offered by our agency.

Our focus is exclusively surety bonds. We have two areas of concentration: YOU, our customer; and providing you with the surety bond that you need. Whether the bond is an “instant issue”; is for a contractor; a court bond; or one for a client with lower credit scores, AmeriPro Surety Bonds dedicates itself to providing our customers with a seamless, professional, and quick surety bond experience.

Registration services serve as a “release valve” for the DMV and the public alike. The public has an alternative to handle many matters done by the DMV without the attendant long lines; and the DMV has an additional source of revenue from registration services. DMV registration services cannot, however, process matters connected with a California (or out of state) driver license or ID card. Matters relating to these concerns are only handled by visiting a local DMV office.

For surety bonds greater than $100,000, in addition to the above items, your application is also reviewed by an underwriter. The underwriter review process includes a credit check inquiry. To be approved for the Florida surety bond amount greater than $100,000 (even if by just $1), through our agency, good credit is required. Upon approval of your surety bond, and payment of the premium, our agency issues your probate bond to you immediately. Your surety bond and a Power of Attorney form will be signed by us as Surety; upon receipt, you’ll sign your bond as Principal. You will then file all completed documents with the presiding court, usually the Clerk of the Court. Discover additional details on go to the website.

The premium associated with a Veterans Administration surety bond is not a onetime payment, but rather renews on the anniversary of its issuance, for as long as the surety bond is required. Options exist to prepay your surety bond up to 3 years, which saves you over annual renewals. However, bear in mind that should you no longer require a surety bond within that period, no refunds will be offered. Once your bond is approved and payment is received, our office will issue your bond immediately. We’ll send you your surety bond along with a Power of Attorney form. Upon receipt, you’ll sign it as Principal, filing it with the appropriate VA Office.

The cost of the Florida notary bond is a one-time premium of just $50.00. We refer to this surety bond as “instant issue”. This means that there is no credit check involved. You will be merely asked to fill out an application — which we can take right over the phone – pay the one time premium of $50, and the bond will be filed on your behalf by our agency. The state only accepts original notary bonds, not copies.

Contractors licensed in Virginia are regulated by the Department of Professional and Occupational Regulation (DPOR). Laws, restrictions, and applying for contracting in the Commonwealth are found under the Code of Virginia, § 54.1-1106. Contractors must also furnish evidence of a surety bond in order to be licensed. AmeriPro Surety Bonds offers you the contractor surety bond as both a new (first time) and renewal surety bond. Find additional info on https://ameriprosuretybonds.com/.

Gold investing and India government scheme tricks? Gold has historically been an excellent hedge against inflation, because its price tends to rise when the cost of living increases. Over the past 50 years investors have seen gold prices soar and the stock market plunge during high-inflation years. This is because when fiat currency loses its purchasing power to inflation, gold tends to be priced in those currency units and thus tends to arise along with everything else. Moreover, gold is seen as a good store of value so people may be encouraged to buy gold when they believe that their local currency is losing value.

A company’s ability to sustain healthy dividend payouts is greatly enhanced if it has consistently low debt levels and strong cash flows, and the historical trend of the company’s performance shows steadily improving debt and cash flow figures. Since any company goes through growth and expansion cycles when it takes on more debt and has a lower cash on hand balance, it’s imperative to analyze their long-term figures rather than a shorter financial picture timeframe. In order to ascertain the investment merits of gold, let’s check its performance against that of the S&P 500 for the past 10 years. Gold has underperformed compared to the S&P 500 in the 10-year period ending Jan. 26, 2018, with the S&P GSCI index generating 3.27% compared to the The S&P 500, which has returned 10.36% over the same period.

People in this world can be divided broadly into two categories, one includes the people who settle with whatever they have and the remaining are the people who don’t settle but fulfil their dreams and needs one way or the other. The approach for the latter group can be described by the statement that it is either my way or the high way and this is a great optimal attitude as it keeps one motivated to work and achieve all the goals and be able to buy all the luxuries of life. Well, a majority of Indian population lives on a fixed income and couple that with the fixed monthly expenditure, there is always almost a fixed amount of savings left which is really not enough to buy the luxuries and live life to the fullest. Find extra information on National Pension system India.

Low premium policy is the best policy? Do not buy health insurance plan comparing the premium as this should be the last factor to consider. One should always buy health insurance basis the features and cover it will going to provide and compare insurance with the right version. Generally, all health insurance policy comes with the initial waiting of 1 month in which hospitalization pertaining to any illness will not be covered except accidental hospitalization. Insurance company provide the grace period of 30 days to renew the policy with continuity benefit, But in case during the grace period if any illness/injury occur then to insurance company not liable to pay any expenses. So its best to renew the policy before the end date to avoid any loss of cover in case of unfortunate event.

Alf Field has been called the “world’s best gold analyst.” He is well known for his many spot-on predictions in the precious metals market and these are some of his determinations regarding the future price of gold: “In the 1970’s bull market, gold increased from a low of $35 to a peak of $850, a massive 24.3 times the low price. If the current bull market was to be of the same order, then one could project an ultimate peak of $6,221(gold’s low price in the current cycle of $256 x 24.3). Field outlined in an article back in August 2003 his conviction, which he referred to again in his concluding November 2008 article on the subject of Elliott Wave and the gold price, “that the world, and especially the USA, was heading for a major financial crisis that would be so powerful that it would overwhelm all other factors [which] I referred to as the ‘Big Kahuna’ crisis. I anticipated that the Big Kahuna would give rise to the risk of a systemic meltdown, which would result in the authorities ‘throwing money at problems’, bailing out all the banks and large corporations that got into trouble.

The country wide pension system National Pension System is an Indian federal govt-backed pension cum funding arrangement aimed at keeping the residents of India as they attain their old age. It is a authentic retirement alimony plan, in which you can get a stable salary with tax merits afterwards your retirement, and with a bit non-compulsory chance you can actually increase the returns to a fine admeasurement. What is NPS National Pension System? The Government of India has introduced the National Pension System -NPS (also called as New Pension Scheme) with effect from January 2004. CRA shall issue a Permanent Retirement Account Number – PRAN to each subscriber & maintain data base of each PRAN account along with recording transactions relating to each PRAN. See even more details at https://profitsolo.com/.

Bookkeeping services Coral Springs, Florida for small businesses: A bookkeeping service offers a three-tiered approach to developing and maintaining your company’s overall financial processes and management. The first prong is created by the accounting software specialist. He or she creates your accounting data file so that it’s tailored to the specific needs of you and your business. He or she will ensure that you have access to the software and reports you need.

Automate or Outsource Tax Calculation and Filing: While the IRS has made an effort to simplify tax forms and reduce the time and complexity of filing a tax return, it remains a daunting task, especially since it occurs only once per year and is often stressful. Fortunately, companies like TurboTax and H&R Block offer sophisticated tax software programs to help filers complete the task quickly and relatively inexpensively. The IRS even offers free tax filing software for taxpayers with an adjusted gross income of $69,000 or less. To determine whether you’re eligible for the free software, check last year’s return for your adjusted gross income (AGI), which appears on line 7 of the 2018 version of Form 1040. For those with incomes greater than $69,000, the IRS provides Free File fillable forms for electronic filing. However, these forms offer only basic guidance, so you must know how to do your taxes yourself. Most of the filing programs allow you to keep track of any refund due and select your preferred method of payment – direct deposit, paper check, or holding and applying the refund for the coming tax year. When deciding whether to use a professional preparer or a software program, consider your income, the complexity of your return, unusual events that significantly affect your income or expenses, and your concern about a tax audit.

Harvest Your Capital Losses: If you own stocks that have lost money, you can sell them and deduct up to $3,000 on your federal taxes. Just be careful not to violate the wash-sale rule, which would disallow the deduction. This rule states you cannot purchase the same or a substantially similar stock within 30 days before or after the sale. “Some people think it’s OK if I do it using two accounts,” Zollars says. They may think they can sell a stock from a taxable account and then immediately purchase similar securities in an IRA. However, this is not allowed. “That’s not the way the rule works,” he says.

Don’t make financial decisions based on potential tax breaks: The IRS offers a slew of tax credits and deductions that have the potential to reduce your tax liability. But if you’re spending money strictly for the tax break, you may end up losing money on the deal. For example, you can deduct charitable contributions you make throughout the year if you itemize your deductions and donate to qualified charitable organizations. But if you donate $1,000 solely to get a tax deduction, and don’t first ensure your contribution meets deduction requirements, you could be out $1,000 with no tax break to show for your donation. See additional information on North Lauderdale bookkeepers.

In some states, provisions exist that allow employers to seek reimbursement from the employee for administrative costs related to excessive garnishments. Additionally, some types of garnishments, such as child support, allow for similar provisions that authorize employers to recoup administrative expenses. The limits on the maximum amount of the administrative fee that can be deducted vary by state. When considering employment actions in relation to an employee who has active garnishments, it is recommended to consult a knowledgeable HR source or employment attorney.

Earned Income Tax Credit (EITC): Millions of lower-income people take this credit every year. However, 25% of taxpayers who are eligible for the Earned Income Tax Credit fail to claim it, according to the IRS. Some people miss out on the credit because the rules can be complicated. Others simply aren’t aware that they qualify. The EITC is a refundable tax credit—not a deduction—ranging from $529 to $6,557 for 2019. The credit is designed to supplement wages for low-to-moderate income workers. But the credit doesn’t just apply to lower income people. Tens of millions of individuals and families previously classified as “middle class”—including many white-collar workers—are now considered “low income” because they: lost a job, took a pay cut, or worked fewer hours during the year. The exact refund you receive depends on your income, marital status and family size. To get a refund from the EITC you must file a tax return, even if you don’t owe any taxes. Moreover, if you were eligible to claim the credit in the past but didn’t, you can file any time during the year to claim an EITC refund for up to three previous tax years.

Our accounting practice is built on the foundation of honesty, integrity, and mutual respect for all clients. We want you to succeed. Accountants Doing Bookkeeping? What does that mean? It’s Simple our Accountants will do bookkeeping work. Since it is much easier than Complex Accounting we charge an affordable price. We have been known to be called one of the best-priced accountant company from Miami to Boca. Anyone can find a bookkeeper for cheap on some freelancer site, but the truth is that you get what you pay for. One small mistake can cascade over multiple reports giving you false numbers and not accurately describing your companies true path. Discover even more details at Bookkeeping Broward.

Veterans administration fiduciary info with AmeriPro Surety Bonds? After payment of the premium, our agency issues the bond, along with a Power of Attorney (POA) form. We will notarize your bond as Surety, and upon receipt you’ll notarize and sign your bond as Principal. The bond is filed to the following address: Commonwealth of Virginia, Department of Professional and Occupational Regulation 9960 Maryland Drive, Suite 400 Richmond, VA 23233-1485 804-367-8511

Setting up a retirement fund for your employees? You may need this fiduciary bond for your fund manager to comply with the Employee Retirement Income Security Act. If you’ve asked for a writ of attachment during your lawsuit, the court may require you to file an attachment bond to protect the defendant against undue losses. This bond is likely to be required if you are to become the executor of an estate. Ensure all interested parties that you will manage the estate correctly with a probate bond.

You are automatically approved for the $25,000 registration services bond. After completion of an application — which we’ll take from you over the phone — and payment of the premium, the bond is issued to you immediately. There is no credit check nor underwriter review for this bond. Once issued, a copy of the bond can be sent to you by email; however, it is the original bond — which you will sign as Principal — which you should file with the Department of Motor Vehicles. The original bond will be sent to you by the following business day.

As a Guardian or an Administrator of a veteran, you are acting in an important fiduciary capacity. The surety bond, is, therefore, for their protection. The surety bond protects the veteran, or attorneys, heirs, and others from acts of malfeasance, misappropriation of funds, and other unlawful activities involved which may occur as fiduciary of a veteran’s property and estate. AmeriPro Surety Bonds provides Veterans Administration surety bonds nationwide. Our agency is also a provider of probate surety bonds, including Guardian of Minors and Guardian of Incompetents surety bonds in all 50 states. Find more details at Premium for va fiduciary.

For any probate surety bond up to and including $100,000, our agency offers this bond to you immediately after the completion of an application, supplying the court documents ordering the surety bond, and payment of the premium. There is no credit check nor underwriter review for probate surety bonds of any category up to a $100,000 surety requirement. The bond is issued to you immediately after payment of the premium.

The Florida notary bond is a $7,500 “instant issue” bond which costs just $50. The bond is required by the Florida Secretary of State as a prerequisite for licensing. Our agency will file the paperwork filed on your behalf, as required by the state secretary. Call us at 844-589-9732. Florida notaries are licensed and regulated by the Florida Secretary of State, Notary Commission. Notary licenses, once granted, are good for 4 years. The $7,500 notary surety bond required is purchased once and lasts for the duration of the notary commission. Read more details on https://ameriprosuretybonds.com/.

Financial advisory recommendations? Gold is a precious metal and we all know that. As we have mentioned earlier, gold holds a special place in any Indian household and is considered a wealth of the family, for example, the gold jewels are passed on from one generation to the other as a legacy and a symbol of family wealth. Have you ever tried to invest in real estate or tried to make any financial investment? If yes, then you must know that buying gold is much easier than real estate or anything else. It is safe for the people who are trying to start doing investments as very less risk is involved with the gold purchase.

Crypto trading is complicated and dangerous. That’s why an investment fund managed by crypto trading experts its much safer. Every day, potential investors miss out on cryptocurrency investing because they aren’t confident about how to get started. Even experienced investors miss on new tools or cryptocurrencies that could bring significant profits simply from not staying active. Why? Because they’re afraid to make mistakes. The first step is taking action, so don’t hesitate to dive right in. Action will result in experience, and experience will result in better decision making. In fact, the experience is all about learning from the mistakes you make.

In the months or years since you first became a business owner, how many times have you been told you need bookkeeping services? If you’re like most business owners, the answer is probably, “A lot.” From the time you first opened your doors and collected your very first dollar, advisors, partners, and other well-meaning associates have undoubtedly weighed in and suggested a bookkeeping service to help keep your company’s books and finances on track. See additional information on Fiscalopedia.

Financial advisors may work in independent practices or part of a firm or financial institution. All advisors who work with the public must have a current Series 65 License. The National Association of Personal Financial Advisors (NAPFA) is a good place to start your search for help. A fee-based structure can be hourly, project, retainer or a flat ongoing amount that is derived from the percentage of assets being managed; usually, the greater the assets, the lower the percentage. Commission-based means the advisor charges a straight commission every time a transaction occurs or a financial product is purchased.

The Fiscalopedia aims to help their client escape from the financial crisis to start earning real wealth rather than paying out the debts in the future. Moreover, we can provide you with the best possible advice that can help you navigate your personal financial decisions; thus, you will be able to escape from fiscal debts, earn real wealth, and learn how to make financial decisions that will help you direct your financial decision. However, taking the first step to organizing your economic life will ensure consistent growth in wealth and technology and help the individual or/and company make the right decision. Fiscalopedia expert team will help you make better financial decisions and informational content on expert reviews, tutorials, and much more. Read extra information on here.