Have you done your investment yet?

by ExpertBlogger 10. June 2017 10:54

In my last article I have wrote about the need for investment and how that is necessary for everyone. I know some people always wanted to see their money in the bank and it make them happy but the point is that money does not grow and even it is growing it is growing with very slow rate.

Now when we talk about stock market investment then people often get reluctant because of its high risk nature and the research goes around it. I know the stock market investment is away been at high risk but it is always seen has high profit bit to do that you have be on your those to do you reinvestment and follow market every single day along with that you to follow new for the companies which you own the stock and make a wise decision depend or every trend in market, yes it seems hard and it is but if you are good at it then you can make lot of money sitting at home and doing smart click

This article is not about telling you to trade stock but there is also another opportunity to invest which is combatively low risk it is called mutual fund, these are the type of investment according me everyone should be doing because mutual fund managers and companies does their own investment and research for investing in all the stock and along with that they do other investment apart from the equity investment. Over last few years people have made decent profit by investing in mutual funds. 

If you don’t have money on upfront then there is provision done by mutual funds where you can do systematic investment every month and you can take advantage of ups and down of volatile market. It has been seen is pervious year the if market is gone down there is very little effect on mutual funds because they will holding diversify portfolio where other means of investment give you support when stock market is not in your favor.

Now when we think of investment there and many brokerage account which allow you to buy /sell or trade stock and mutual funds but there is always fees attached with that and that can be overhead but now there are many free stock trading providers are in market which allow you to trade freely without any charge on trade transaction and that is huge pulse for new buyers which want to enter. We always think about secure investment but there is need for investment then you have to balance between high risk and low risk investment opportunity because you should feel that you have miss the bus in thinking and people have made smart money. 

So what you are waiting for go ahead and taste the water, it’s never too late for investment. 

 

Disclaimer:  Stock market investment are subject to market risk, please do you own research about your plan before investing.

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Expert's View | Finance

Journey of Currency from Barter to Bills and Digital to Bitcoins.

by ExpertBlogger 15. May 2017 11:46

Human evolution came all the way here with so many mind blowing inventions, products and ideas which has changed the world in different ways and the most important part of today’s era is currency. It is surprising that the world has changed the way of barter system which was there in ancient era when people use to exchange good with good and there is no medium after some time people started using coins and paper money and started calling it as currency, each country has invented their own currency and started valuing them according to demand and supply. 

Later state the physical currency has  transformed in shape of credit card and become digital and we started using as plastic cards and digital money but while doing that you still have access to or the form of currency is still the same. Till now digital currency was having one to one mapping with the physical currency or money, only different thing was it is in form on digital form and you can use that with orchestrated medium which has created by banks to use or spend it. Now these banks started serving as middle man to manage your digital money which is good because now you have someone who is taking care of your money but the problem here is bank and these kind of digital money institutions started taking their cuts which means they started charging for their fees for every transaction which you do in digital way so hold on are you missing some point here , we started our transaction with barter system where we use to exchange goods so there was fair value for both parties now we invented currency and started using it so each coin or dollar bill has value which we use to utilizes to buy or sell good. Now when it is converted into digital we have got the overhead of the extra charges and their born the new crypto currency called Bitcoins.

When I first started learning about Bitcoins I was just amazed that how those works, I started searching that in simple team I found that we are going back to our roots it is kind of similar to our barter system when there was not middle man and we use to deal with each other only now goods are replaced with bitcoins but the concept remains the same. Today Bitcoins are reshaping the world’s currency market. This currency has been accepted by many main stream vendors and you can find bit coins ATMS where you can buy Bitcoins, Now you will think that Bitcoins are some kind of physical coins which will pour from ATM , then you are mistaking, bitcoins are not physical it’s all virtual ,same as money in your bank account. The only difference is there is no middle man who is managing your money, every Bitcoins transaction happens between one person to another and everyone keeps track of all transaction.

In first place this is kind of blizzard to understand but I will try to explain this is upcoming article. Everyday our world is moving in different direction very fast and bank and financial institutions are predicting that Bitcoin might be the future currency. 

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Expert's View | News | Finance

Buying an Insurance? Be Smart and Do your Homework.

by ExpertBlogger 28. April 2017 17:24

We live everyday life with ease and we always want be like that, anyone on earth don’t want their life to be disturbed with any sort of bad things. But we all know that, this is not going to happen and every now and then there are some unexpected things will happened in our lives and we should be prepare for that in every sense including mentally, physically and finically. We can control our mental and physical trauma of any event but when it comes to finance it is really not in our hand and cost of any happening would be outrages. Then it comes a magic word called Insurances.

I Just wanted to discuss is how important is to have insurance for each and every one no matter what we do and more than that how important to choose right insurance with right plan  knowing that Insurance helps us in every part of life right from medical insurance to car insurance, home or mortgage.

Now some people who are good drivers they get annoyed with paying huge amount of money in their car insurance even though they have not used this anytime in their life even government made to take the insurance mandatory, same with medical those people really don’t use it and pay high premiums.  Generally when we talk about high insurance cost for anything from car to medical it boils down to underline cost of care. In case of medical there are some people who are using their medical insurance at the peak and there are some who are just paying their premiums and not using at all, also the plans for these insurance companies are so difficult to understand that a normal person take lot of time to understand. In this situation you should consider visiting and insurance advisor and figure it out that which plan is best suited for you. Instead of paying high premiums if you get the right plan it will save you tones of money.

Similar thing applies while buying care insurance few things you can remember that if you are driving less miles then you can choose a company which gives you discount on lesser mile. Now liability insurance is compulsory in some of the state but other things are not, let say if you are driving 10 year old car for glossary shopping then there is hardly any need to get collision and comprehensive insurance because even if met with an accident then the deductible will be so high on those that you could repair your own car with that deductible and if at all if it is major one then it is not worth to put that kind of money on that old car oh unless it is vintage one.

In nutshell , Insurances are most essential part of our life but when you are choosing it please make sure that you have done your homework for last 3 years your behavior and choose the right plan and after all you get once year chance so it’s worth the time.

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Expert's View | Reviews

Thinking about Investments? time to be serious!!

by ExpertBlogger 20. March 2017 12:16

It was normal day as usual and I read something on social media it was kind of funny but stuck in my mind somebody has wrote that, education, carrier, kids , progress, big house big dreams , who the hell discovered this , weren’t we happy in caves eating roots and staying happily with family , I laughed and told my wife , these people are crazy their thinking is beyond our imagination this was one side of thinking for that day but later somebody came to me and started discussing about the investments and securing your future when you grow older and suddenly  I started feeling that I am already old.

Oh my god, I am getting older and I have not planned my future yet. Is it too late, what should I do? Where should I invest? Who should I see? These question ghosted me as lighting strike the tree. I started running like chicken without head and asking bunch of question to everyone. Then I realize that nothing going to change overnight and there is never too late for anything, first I just have to relax and take a good finance advice. Now I don’t have that kind of money that I need any professional financial adviser but researching about knowing that where can I grow my money without risking my future is worth a try.

I am not always good at managing my money, I know fitty percentage of people are like me, oh my look I started talking about percentage and stuff. No , but on serious node everybody should be aware of some sort of investments that could be anything which will encourage you to save and use that money for some good purpose like kids college education or marriage and may be your long waited dream to have world tour.

Many people want to see their money every day because they feel that what if I need that money tomorrow, that means they always want money to be liquid but liquid money is dead money it does not generate any return, you can do CD’s but again those percentage and not that big you are just sitting on money which value is getting deprecated day by day. You need to understand that people are multiplying their money and on other hand you have holding your money for yourself.

You can choose any path of investing but any little investment you do it do is going to grow much bigger in future , it could be stock market, mutual funds, housing market, land or even in any startup company. Easiest way to put your money in mutual funds because you have low risk low income but your investments will always has the touch of market, instead we always wait for right time.

Believe me there are some people who are doing trading and stock investment for living but off Course you will not able to do it because it needs lots of research and it’s a full time job, but what you can do it have your money as Systematic investment plan which will invest your money over the long period and you get opportunity to invest in every tread of market up down.

So have you invested yet?? But waiting for good time. 

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Expert's View | News | Finance

Media & News , Open your eyes

by ExpertBlogger 15. February 2017 10:30

We live everyday life with our friends and family and we are pretty busy in what we are doing day today life, we always have priorities for work, family, kids and our hobbies but in between these we are also prompt about the everyday news around us, that could be our local news which tells you what is happening in your town or national news about politicizes, spots and other things. Back in days people were have to relays on newspapers to get these news delivered to their house but now a days new papers in kind of disappeared, I hardly remember last time I have had read the new paper now a days every this is on new channel, we are totally depend of news channel for our day today news that are not limited to your local city of state but national and international news.

News

Now is the big dilemma in everybody’s mind in there are quite a few different kind of news channels and when one news has been broadcasted via one new channel and other news from other news channel what is the credibly for their information, what the truth and what is made up there is always a speculation that these kind of things are  happening around us, if you look at any film or tv series there is a censor board and it decide that what is good or bad or at least rate them depending on the content of the film that which age group is allowed to watch. In terms of new channels there is not such cerserhip of anybody who is looking on them. 

This is for sure that each and every news channel is here for making money and straightforward logic is how to you make more money? and only answer is to get as many as people to watch your news channel and what you need to do is show any sensational news were people are interested. Now the normal news which people want to know are not sensational then they have make those news sensational in order to get many people to come to their news channel to watch those.

In all the nobody bothers about the authencity of news there are broadcasting , nobody bother about the consequence to anybody’s life or effect on society , if you are looking at the political news the it has been clearly noticed that each and every news channel as political connection and they show the news which are biased to the particular political party and their views, they will always tried to sabatise the image of another party in order to get popularity of particular political party and these political parties has tones of money to get hold of popular news channel and convey their message in way they want to convey. In my view if any news channel showcase any unbiased news then it will be not popular because they will not have any sensational content and eventually it will sunset of that channel.

If you look around this is going in round robin fashion, powerful political parties has more money has more new channel in their hand and they use this media and news to get more popularity and make more money to again pump into news in media and this is never ending.

Is there any time when we will have somebody who can look at all these new channels and give them strict restrictive guideline line to follow their noble profession of journalism , till that thing happened you keep your eye and ear open and think before you believe on any news you read or see or hear.

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