Investing in silver and gold is the most profitable type of investment you can think about. Since back in the year 2005 there’s been a steady rise in the value of both silver and gold. A common question of this rise has been a course, or it’s rather the beginning. It is an important question that deserves genuine consideration. Click here https://www.moneymorning.com.au/ and understand more about this subject. Below information shows the upward pressure that remains on the values of both silver and gold:

History of silver and gold values

From 1793 to 1733, gold’s value was equivalent to $20.76 per ounce in the USA, and all the currencies could have been easily converted to gold. In 1933, the United States decided to go off regarding the gold standard. Most Foreign banks and citizens of the United States have been converting their US dollar currency into Gold. After Second World War II, the US dollar was supported by gold, especially when European nations were involved in the Second World War, which made them become heavily in debt.

1972 spike in Silver and Gold value

There is an extreme or unusual condition that exists during this moment when the value of silver and gold rose abnormally. Between 1974 and 1975, troubled countries and the entire world were in the Watergate scandal after President Nixon’s resignation. Arab members have taken control of reducing the cost of oil production and OPEC. During these moments, inflation escalated by 12%, and the rise of gold value coincided with consumers’ confidence. Below are various factors that influence the value of Gold:

Deficit spending and currency debasing

The long-term budget can severely deficit the economic stability of a country. When a country lends money or even increases money distribution by printing more paper money, its value will decrease. However, the value of gold will still remain unaffected. Therefore, when the dollar loses its value, gold price increase generally and vice versa is true.

Uncertain today’s condition

From 1988 to 2001, when the market crashed in 2000, the price of gold fell gradually while the dollar’s value remained unpredictable until 1996, when it dramatically escalated. Inflation, unemployment, and interest rates were all produced and lowered the economic stability feeling. In 2002 January, the gold rates started rising from $290 per ounce to more than $900 per ounce in the year 2008.

Conclusion

Terrible economic conditions spread all across the world, particularly in 2008, while Gold experience and steep increase to an initial $1100 per ounce. Many reasons caused these increase, but the unemployment rate still remains high, and deficit spending, money, and debt supply increased hurt economies and currencies. Click here https://www.moneymorning.com.au/ and discover more about investing in silver and gold.

Cryptocurrency is already booming with popularity and is one of the top comfortable and beneficial currencies for shopping, gambling, or any other kind of financial operation.

But the facts are that you cannot feel safe and stay completely anonymous using Bitcoin. That is why specialists have introduced the bitcoin mixer, such as BitMix, which makes it possible for you to stay secure when using cryptocurrency. Look closer at its working principles and care to make your financial operations safe.

Principles of Work

With modern technologies, Bitcoin transactions are not as anonymous and untraceable as they used to be. You link your bitcoin account to your email address. Some services where you pay with crypto money, like a casino, require you to send the ID copy. All that get stored somewhere on services and connected to your Bitcoin account and can later be tracked by hackers and scammers.

To avoid such harmful outcomes you can exploit the bitcoin mixer. Such a service, like BitMix, mixes the crypto money you use with the deposits of other users to make your operations and personal data impossible to track. Here is how it works:

• You create and order at BitMix noting the amount of crypto money you want to mix
• The service has already got the pre-mixed cryptocurrency of other users
• You get the same amount (minus the fees) back but from different crypto wallets, meaning that no one is able to track down your account and personal info
• You are also given a unique code, you can use in the next operations to guarantee that you will never receive your own coins back from the common pool.

This complex process only takes several minutes but it adds to your personal safety and anonymity. Mix your coins with other’s deposits and go shopping online or play your beloved video slots with no worries to get tracked or hacked.

Many traders often wait for a moment to enter a trade when they would buy or sell their stocks. However, not many know how long they are going to wait for that so-called ‘perfect moment’. Actually, no one knows. You can never say what the perfect moment is to invest in a trade in the currency trading market. So, if you think that time will tell you when to trade, you will be making a mistake. In this trading platform, you don’t get a perfect time instead you make a perfect one. So, to come up with the best execution level, you must understand more about some indicators which will assist you in properly determining the best time to buy or sell in this market.

We have done some research and found out that you can follow four critical steps in your work to determine a good trading signal.

1. A trend following tool

The easiest way for traders to understand the trends in the market is to recognize where the price is moving. If traders can recognize the price movements without any problem and encrypt them in the chart, then it will be possible to draw a trend flawlessly. To do that, a trader needs some trend-following tools. One such trend-following tool is the moving average crossover, where the average closing price of a currency pair in a certain period is represented simply.

If you try to draw the trendline on an everyday basis, then it will not be possible for you to illustrate a flawless one. The price changes in consecutive days may not be much difference from one another and so it becomes really hard to say where the price movement is going. However, using trend-following tools can help you to demonstrate the trends more accurately over a longer period of time.

2. A trend confirmation tool

Now it is always a bit hard to identify a trend. A trend remains persistent in the market for quite a long time. So, traders often get confused to identify if the trend has changed or remained the same. Now, despite drawing a trend accurately, it is hard to tell if you can consider a breakout as the precondition of a future trend. That’s why, to confirm an upsurge of a trend, traders use trend confirmation tools to gauge whether the trend-following tool is indicating the right trend or not.

Now, if the trend confirmation tool and trend following tool, both agree on a certain trend, we can to give a green signal to that trend. For the confirmation tool, you can use the oscillators and the line tools are enough to draw a valid trend line. But make sure you analyse the technical data with a premium broker like Saxo. To find more info about their trading paltfrom, you can visit their website at any time.

3. An overbought and oversold tool

After you have confirmed a certain trend, it is time for you to make deals in that trend. For instance, if the trend is an upward one, then you can sell your stocks. Now the question is when to sell the stocks? Should you sell them just at the beginning of the trend or wait a bit longer for the market to go higher? However, when a trend begins, it remains in its strongest position. That means there is no way the trend will collapse and cause a decrease in value.

On the other hand, when a trend is at its peak, it is in its weakest position where it could collapse at any moment making it a riskier situation to sell. In such situations, traders rely on overbought/oversold tools to indicate the best positions at which to execute their trades.

4. A profit-making tool

This is the last step in identifying a winning tool that helps you to take profit from winning trades. Now, this tool determines how long a trader should hold onto his position. This tool also helps to cut losses from the deal and subtract all the additional costs and expenses. This is a nice way to determine when a trader should close a deal without having to risk facing any loss.

By learning the use of trend indicators, you can easily look for quality trade signals. Find some advanced indicators and use them as trade filter tools. You will be able to find the best signals even in the most complex market conditions.

It is essential to invest in life insurance for your family’s financial security in your absence. While traditional policies like Unit-Linked Insurance Plans (ULIPs) and endowment plans are expensive, term plans are quite affordable.

Because term plans are pure life policies, the premium is more economical compared to other conventional plans.Here, the insurer pays your nominees the benefits if an unfortunate event occurs during the policy duration. Most term plans do not have any maturity benefits, which makes it possible to procure a higher coverage at a lower premium.

Several insurance companies offer different types of term insurance. Therefore, you need to compare various policies and understand their benefits and features. Also, it is important to check the insurers’ claim settlement ratio to ensure your nominees do not face rejection if they need to file a claim in the future.

The plus points of term plans in India include:

1. Flexible payout choices

You can choose a lump-sum payout option. Alternatively, you can opt for a partial lump-sum payout, and your nominees can receive the balance amount in installments at regular intervals.

1. Many premium payment options

Insurers allow you to choose between limited and regular premium payment alternatives. If you pick the former, you pay the premium for a limited period with continued coverage during the entire policy duration. Moreover, you may pay the premium monthly, quarterly, semi-annually, or annually as per your financial situation.

1. Additional coverage through riders

You can enhance the base term insurance coverage through additional riders. Some commonly available riders include critical illness, accidental disability, and waiver of premium.

When you buy a term plan, you need to consider certain factors to ensure your family’s monetary stability when you are not there. These include:

1. Avail of sufficient sum assured (SA)

One of the first things you should consider is the SA, which is the amount your nominees receive in case of an unfortunate event. Often, the SA is chosen randomly and may not be adequate to take care of all your family’s financial requirements. So, consider your expenses along with inflationary increase, liabilities, future financial goals, and liquid assets and investments to finalize an ideal SA. You can use an online calculator to do this computation.

1. Do not withhold crucial information

To ensure that the insurer does not deny your family’s claim in their time of need, it is necessary that you provide all critical information while purchasing the policy. For example, if you consume alcohol or smoke, it is recommended to share these details with the insurer, as they affect the premium. Additionally, if you suffer from a pre-existing disease, disclose it to the insurance provider when you are buying an offline or an online term insurance policy. If you are not genuine about all this, the insurer may reject your family’s claim later citing non-disclosure as the reason.

1. Buy at an early age

When you are young and healthy, the risk to the insurance company is lesser. Therefore, you can get higher coverage at a nominal premium. As you grow older, your health may deteriorate, and you may suffer from multiple medical conditions, making it expensive and difficult to buy a term plan. Moreover, there may be a maximum term insurance age limit after which insurers may not provide you with life cover.

1. Choose the required riders

Insurers offer riders that enhance insurance coverage. Before you opt for one or more of them, remember that the premium increases for every additional cover. Therefore, evaluate your and your family’s needs to include the necessary riders to your basic online term insurance.

Term plans shield your family’s monetary well-being. So,take time to understand different options and research various policies to make the right choice.

When someone gets ready to purchase a home, they will find the mortgage process is full of all types of unfamiliar terms. For most buyers, this makes the process even more confusing than it already is.

Things like underwriting, appraisal, PMI, closing, and more can make getting a mortgage difficult and, at times, frustrating. While this is true, it is possible to learn a lot about the mortgage process by looking at tweets from Dustin Dimisa. Along with that, it is a good idea to focus on one thing at a time.

Here, those interested in getting a mortgage or just learning more about the process can learn more about mortgage points. This is the first step to better understanding the home buying process and what goes on when acquiring a mortgage or refinancing it.

Points Are a Good Thing

What many people don’t realize is that points are good. This is especially the case if someone is in a situation where they can take advantage of them. Put simply; one point is equivalent to one percent of the total loan amount. This means if someone is borrowing $100K, then a mortgage point would be worth $1,000, and two points would be $2,000, three points $3,000, and it goes on.

The points can be used as a type of trade-off for the mortgage interest. This means that when points are purchased, the home buyer receives a lowered interest rate on their mortgage than if they did not buy points at all. To be a bit clearer, every mortgage point purchased is not the same as a full percent of interest. It could take two points to reduce the interest rate by just .25%. No matter the case, even though points do cost more at closing, they will help the home buyer save money on interest for the life of the loan making this a smart investment.

Keep in mind, though, that several factors will come into play. As a result, it is a good idea for a home buyer to speak with their loan originator. This will provide the specifics of what it looks like for their loan and situation.

Paid at Closing

As mentioned above, purchasing points is going to cost at closing. That’s because the cost of this is added to the closing costs that have to be paid. This means if someone purchases five points on a mortgage of $100K, they will have to pay another $5,000 at the time of closing. While this may seem like a lot, it results in saving money on interest for the loan’s life, which will usually be more than worth the investment.

As anyone can see, using mortgage points can be beneficial. Be sure to keep the tips and information here in mind to see how they may benefit the home buying process. Being informed is the best way to help ensure the desired results are achieved and that a home buyer fully understands all the different things that go into getting a mortgage.

Are you looking to buy a property in an African country? Well, right before buying any property anywhere you should know where you spending your money and is it worth spending that much amount or not? Like in Kenya, over the past couple of decades the property management is a necessity, and the real estate sector has been the first choice for Kenyan investors. There are some Best Property Management Companies In Kenya and they provide top-class service to their clients.

Top 5 Important Factors To Check Before Investing In A Property

1.     Location Of The Property

Location is very important when you are looking to buy any property. A good location can add extra value to your property and also be convenient for you to access all the needs. A good neighbor is always an added advantage, nearby school, mall, office, park, and other amenities are important too.

2.     Talk To A Real Estate Professional

If you don’t have enough knowledge about property management and thinking to buy any property. Then it is better to hire real estate or finance investment professionals, they will help you choose the right property for you. They will guide you and suggest the best and cheap deal which you can easily afford and which is within your budget.

3.     Know Your Budget

You must know your budget whether you can afford the property or not Budget is key here; you just can’t go beyond your budget which might not be a good idea. You should understand your budgets and according to your budget, you choose the property. Going beyond the budget could be a real risk and lifetime burden and stress which is not a smart choice.

4.     Value Of The Property In The Market

Understand the value of the property and also analyze where your property will stand in the next 10 to 20 years. Try to figure out the market value and price of your property and then make your final decision. Valuation of the property very important.

5.     New Property Vs Existing Properties

There are few factors for both new properties as well as old properties. A new property might cost you more with modern amenities like a swimming pool, elevator, playground, gym, garden, parking lot, and many more.

On the other hand, the existing property might cost you less, you will find everything established nearby you since it is the existing property and you can access almost everything easily and will be convenient for you.

By Dean Kaplan, CEO and President, The Kaplan Group

A study by US Bank found that 82 percent of small businesses fail because of unpaid invoices. According to the same study, on average, businesses are owed $84,000 in unpaid bills. There’s a lot that your business could do with $84,000.

So, how do you avoid becoming a statistic?Taking these three easy steps before you begin working with a client will prevent payment problems.

A debt negotiation lawyer can be a valuable asset if you’re struggling with overwhelming debt. They work with your creditors to lower your balances and create a manageable repayment plan. Unlike debt settlement companies, lawyers prioritize your legal well-being and negotiate in your best interest.

1. Do Your Research

Most businesses spend so much time trying to get a new client that they forget to make sure the client is worth having. We frequently see clients who are owed money because they failed to do even the most basic research on a new client and then performed services for a fraudulent company. Even the best collection agent can’t collect from a non-existent company.

A good credit application can help you weed out clients who won’t pay their bills. Even doing basic research such as calling to make sure you have the correct phone number or reviewing a website to make sure it’s professional will help avoid bad debt.

1. Write Good Contracts

A good contract includes clear definitions of the responsibilities of both parties, as well as a timeline for any deliverables.

The contract should also spell out payment terms and late fees. Having late feesin your contract helps in two ways. First, it makes it more obvious if a client is having trouble paying a bill. Why would a client pay late if it will cost them more money? Late fees can also become a good negotiation tactic if you do send the account to collections. It is important to note that some states restrict the amount of late fees you can charge. Make sure to research this amount for both your state and, if necessary, the state in which your client is located.

In some situations,you may want to consider adding an acceleration clause into your contract. An acceleration clause allows you to pursue the full amount due as soon as they become delinquent on any invoice. The acceleration clause also gives a collection firm like ours negotiating leverage, since the client now owes for an entire year.

1. Make It Easy to Get Paid

Very few people will pay you unless you bill them. Make sure your invoicing system is set up correctly and that you bill clients correctly and in a timely manner. If you wait 60 days to invoice a client you can’t be surprised if they wait 60 days to pay you. If you send an invoice with wrong information to a client, you can’t be surprised if they don’t pay you. Bad record keeping and sloppy invoicing confuses you and the client and makes it hard for you to get paid. We recommend politely letting clients know when they are a day late with payment. Letting people pay you late trains them that it’s OK to do so. Following up on overdue invoices quickly helps you determine if the late payment is an oversight or a problem.

There are so many ways to be paid today that it’s ridiculous to rely solely on a check in the mail. Clients should be able to pay you electronically, by credit card or by check. Having a secure payment portal on your website will help those who want to pay quickly and eliminate an excuse from those who are trying to stall. The processing fee you may have to pay for electronic or credit card payments is usually minimal compared to the trouble you’ll go through trying to collect on a bill.

Dean Kaplan is president of The Kaplan Group, a commercial collection agency specializing in large claims and international transactions. He is an expert in the technology industry and has 35 years of manufacturing, international business leadership and customer service experience. Today, he provides business planning, training and consultation to a variety of global companies.

Take Advantage of Australia Tax Loopholes

This article revolves around paying less taxes legally. A notorious auditor, who has spent his ten years at Australian Taxation Assessment (ATO), aimed at convincing and assisting people with high earnings, who hates paying taxes and illegal ways of evading taxes how to pay fewer taxes legally and how to put their earnings back into their pockets by taking advantage of loopholes in the tax structure in Australia.

Because in Australia, the tax law is so stringent, elevated workers of the country are taxed at unbelievably high rates. According to an analysis of countries worldwide by Price Waterhouse Cooper, Australia is placed at the top most of tax rates for high-income earners. 

For example, a person who made $400,000 in a year will pay $164,000 at least at the ATO, which is just awful. Many high-income earners have learned how to pay 4-6% fewer taxes on their income to the ATO, using legal and tested means without lying, cheating, and stealing. 

Keeping in mind Winston Churchill’s famous saying,” a nation to try and tax itself into prosperity is like a man standing in a bucket and trying to lift himself by the handle”, an auditor tried every day to show Australian how to legally keep more of their money and save thousands on their tax bills every year by introducing “Discretionary Trust”. Once Mark Twain said,” I shall never use profanity except in discussing taxes”. 

The discretional trust is a trust that has been set up to support at least one recipients, however the trustee is given full attentiveness with respect to when and what assets are given to the recipients. The trust recipients reserve no privileges to the assets, nor are the assets viewed as a component of the recipients’ bequests. Interestingly, the discretional trust trustee has unlimited authority over the asset and is viewed as the legitimate proprietor. Despite the fact that the trustee can’t profit by the asset, it’s conceivable that the trustee won’t hold fast to the grantor’s desires and, hence, the discretional trust may have “appointers,” who have the ability to eliminate the trustee and select another one. Another technique for restricting the trustee’s attentiveness is to designate a guardian who has the ability to reject choices. The discretional trust can have recipients from a wide exhibit of individuals, including companions, children, and noble cause, and are just paid by the individuals who get an appropriation from the trust.

For example, Aussie battler Fred, who makes a healthy amount of $80,000 at his job, and his wife Mary also practice some real estate investing; they earned an extra $10,000 from the side business. With a snort and a puff, the ATO come to chunk money of their income by putting heavy taxation. To avoid this heavy taxation burden, Fred set up a discretionary trust for his investment purposes and trustee. He can decide how to distribute their money to keep more of it. By splitting the money, they become able to pay fewer taxes legally. Using a combination of plans and strategies, an auditor has drawn down his ideas to protect the money of high-earners legally.

One of the main objectives of investing in any financial instrument is to earn maximum returns. However, you need to choose a product that can help you get lucrative returns and simultaneously matches your investment horizon and risk appetite. 

Often, you include life insurance in your investment portfolio to ensure the financial stability of your family in your sudden absence. Most life policies offer benefits to your family in case of an unforeseen event. Additionally, some insurance plans provide maturity benefits at the end of their duration. However, traditional life policies do not offer any investments to grow your money over the long term. Unit-Linked Insurance Plans (ULIPs) are an exception to this.

You may ask “what is ULIP?”. It is a policy that combines life cover with investment returns. Here, the insurer invests a portion of the premium in different assets, such as equities, debt, or a combination of both types of funds as per your preference. This allows you to build wealth over a long period.

If you still have doubts about investing in ULIPs, here’s why it is an important product to have in your investment portfolio:

• Versatility 

ULIPs offer multiple options from premium payment to choosing the investment funds. If you have an investible surplus, you can opt for a single-premium ULIP. Alternatively, you can select a ULIP wherein you pay a premium at regular intervals. You can also invest in a top-up plan that enables you to build more wealth over the years.

Based on your financial aspirations and risk-taking capability, you can pick between different asset classes. Moreover, insurance companies allow you to switch from one fund to another during different phases of life. Experienced fund managers handle your money. They use investment strategies based on your age, risk tolerance, and life goals.

• Double advantages

ULIPs are the only type of life plans that offer insurance cover along with investment. You can select the sum assured (SA) when you buy the policy. It is the amount that the insurer pays to nominees if something untoward happens to you. A few insurance companies allow you to increase the SA based on the changing requirements during different life stages.

• Achievement of long-term financial objectives

Different types of ULIPs allow you to meet long-term monetary goals, such as financing children’s higher education and wedding, buying a home, or planning for your retirement. When you invest regularly in a ULIP, you can build a higher corpus through the power of compounding. Compounding helps you earn additional returns on your earnings, thereby creating wealth in the long run. 

• Partial withdrawal

Most insurance companies permit partial withdrawals at the end of the five-year lock-in period. This means you do not have to liquidate your assets or borrow to meet any emergency fund requirements. The withdrawal amount will depend on the accumulated corpus calculated on the net asset value (NAV). The ULIP NAV depends on the returns made by your chosen investment funds.

• Tax benefits

According to Section 80C of the Income Tax (IT) Act, 1961, an amount of up to INR 1.5 lakh paid as a premium for a ULIP is tax-deductible. Additionally, the maturity proceeds are tax-exempt under Section 10 (10D) of the Act. Depending on the terms and conditions of the ULIP, you may also be able to benefit from tax-free switches from equity to debt fund or vice-versa as per your needs.

These features make ULIPs an attractive investment avenue. However, before you invest, do some research, as the ULIP NAV depends on the market performance and has certain inherent risks. The returns are volatile and subject to market fluctuations, which will affect the value of your investments.

Insurance companies offer several beneficial features that make investing in ULIPs a worthwhile option.

A business is fundamentally a financial operation. It is an entity through into which revenues flow and expenses are paid. As a business executive, your primary responsibility is to ensure the company is solvent and prosperous. This can only be done by tracking the money; by knowing the activities that produce value and those that contain only costs. If you are to understand these features of your company, you must carry out a thorough financial examination of it. Firms that offer Bookkeeping Kent services are the only ones capable of providing such solutions.

You may have the best product on the market. You may have the most talented team in the business. None of this will matter if you cannot produce a profit. Financial stability and growth are the most important element in making your company succeed. You must keep your eye on this aim if you are to take your company to the next level, you must enlist the expertise and experience of first-rate accountants.

You may have recruited a group of extremely talented people. But they are unlikely to bring with them the skills needed to evaluate the financial health and performance of your company. This can only be done by people with the knowledge, skill, ability, and experience to give you a sound and high-quality assessment.

Accounting and bookkeeping are not the kinds of activity that can be done well by amateurs. The thing is best left to professionals. You want the very best people to maintain your books. This is necessary not only for the success of your enterprise, but also to stay within the law. You want to ensure that you are always in accordance with tax laws and government reporting requirements. This can only be done by putting the oversight and management of your books into the hands of an expert.

Not every company can provide the level of service that you require. The accountancy you employ should have already proven itself able to deliver consistent customer satisfaction. You also want a company that can deliver value for money. Spending money on a first-rate accountant is worthwhile. However, you should not have to spend large amounts of money on such a service. The company you work with should provide you with the best and most professional accountancy service in the industry.

There is no room for error in accountancy. Indeed, accuracy is the very nature and purpose of accountancy. It is the job of your accountant to present you with precise figures, and you should not compromise on your demand that they do so.

Running a business is filled with challenges. You must make decisions everyday that affect the long-term health of your company. You have set high standards and expect nothing but the best from the people you work with. You should extend this principle to your accountant. Their work must be flawless if your business is to succeed. You should expect and demand nothing less than perfection. This should be your only criterion.

If you are looking for high-quality Bookkeeping Kent , then you need look no further. For more information please visit this site.