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Daniel#MD

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About Daniel#MD

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    Invest Open Administration Team
  • Birthday 06/28/1982

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    https://www.investopen.com
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  1. Several business owners take debts for buying assets or expanding their business operations. However, when the debts go out of hand problems, and tensions arise. The question of closure of business operations and bankruptcy might also arise. Therefore, it is critical for you to ensure that you get the best guidance for business debt settlement with the aid of a company that evaluates your business debts and creates a strategy for repayment. Experienced professionals to help you out Most businesses especially small to medium scale business houses do not have qualified financial managers to assist you with financial and debt management. The result is that these companies are not able to manage the revenue and the cash flow of the organization properly. The result is debts. If you carefully examine the market today in the USA, you will almost find 49 percent of small business owners facing hardships with their debts. These companies do not know how to manage their debts effectively. Only small businesses that are in the financial niche have the experience and the professionals to manage their accounts. If you take a look at general businesses, you will find that most of the business owners do not have the financial expertise, but they end up making major financial choices. These options might be good or bad. If it is the latter, the company pays the price for the decision made. Many business owners believe that the hardest part of a business is to get started, but those that have debts to clear are of the same opinion that getting rid of business debts is the most challenging part of the company. Do not be afraid of business debts- solutions are at hand Again, most business owners and people associated debts with failure and they do not wish to bring up the topic at all. Some business owners while dealing with daily operations of their business take the extra step and completely ignore the fact that they have debts. It is not a healthy sign for the company at all. It is here that business owners have to step up and actively manage their debts. If your business falls on tough times, the only resort you have is bankruptcy. Here, you cannot pay the debts, and you have no other choice but to shut down your business and file a bankruptcy case in a competent court of law. Business debt settlement- the ultimate solution to all your woes Business debt settlement is the final solution for all your woes when it comes to the elimination of debt. These companies have experienced and qualified professionals that will step in to help you and strategize a plan to clear off all the debts with your creditors. It means you no longer have to worry about winding up your business at all. These business debt settlement companies have experts that are aware of debt management. They will evaluate the debt situation in your business and create a repayment plan. They will negotiate on your behalf with your creditors, and these company debt help specialists will help you and your business get back on your feet. The good news is that when you are facing debt issues, you just need to contact them for an affordable debt relief solution that will help you terminate debts in an organized and legal way. Do not consider bankruptcy as the last option Bankruptcy should never be considered an option when you have business debt settlement specialists by your side. To avail their expert services, you do not have to be a huge business. You may be a small business owner, but these experts will step in to help and guide you when it comes to the eradication of debts. You do not have to wind up your business and call it quits! Now, if the thought of bankruptcy has crossed your mind, it is imperative for you to explore all the available options that you have when you take steps to address the matter. Business debt settlement along with corporate debt restructuring are practical solutions to the whole issue that you can consider. It is obvious that you are not aware of the procedures and the ways via which you can start. However, business debt settlement agencies and experts will explain to you the whole process so that you understand it before incorporating it. With the aid of these two business debt settlement solutions, you can reduce the amount that is due to your creditors. You can reorganize business and debt by giving your business a second chance to recover and bounce back on its feet. Your assets as a business owner are protected as the firm can manage its own debt woes. Your creditors engage in discussion with the target of debt reduction. It helps you maintain a positive and healthy long-term working relationship with your creditors. Get the best solution for your business The experts here state that when it comes to the eradication of debts, closure of your firm on the basis of bankruptcy is the last option that you need to consider. There is help on hand and all you need to do is ask for it. The experts will analyze the scenario and provide you the solution you seek. If you wish to reduce debts, improve cash flow, and improve revenue, these experts are there for you. When you rely on them, you should be honest and transparent with your communication so that they can understand the business scenario of your organization better and give you debt relief solutions with a long-term positive effect! Therefore, if you have pending business debts that you cannot manage anymore, it is important for you to consult experienced and credible business debt settlement companies to help you out. In this way, you will be able to find a viable solution for your debt situation and aid your business bounce back to business again!
  2. Where to invest your money in 2018

    Smart investors do not put all their eggs into one basket. They spread their equity around a few smart investment opportunities where they can exponentially grow. Experienced investors suggest all future prospects to diversify their investment portfolio, so they can maximize their chances of creating a profit. The main objective of investing is to buy what’s hot, outsmart the stock market and beat other investors. However, investments can be risky because there is an equal chance of success and failure. Which is why it is important to remain objective and up to date with current market trends. If you start investing, you will need to know what kinds of opportunities can provide you the highest return value. If you are interested investing in 2018, here is where you should start: Stocks Leading companies like Apple, Yahoo, Nike and among many others offer investors a share of their company. Simply, the stock market offers stocks or individual shares of a company. The more time a money is invested, the more time the money has to grow. Which is why many people turn to stocks to gain some additional revenue. Investors buy stocks they believe will increase in value. The more shares you own, the larger the portion of profits you will receive. Over time, stocks have continuously returned the most for potential growth. This reasoning is why people are so interested investing in stocks. Before you enter the market, research and compare companies on their current rate, volume, and overall stock history. Real Estate Investing in real estate is another effective way of creating wealth and building equity. It is a unique way to diversify your investment portfolio outside the traditional stocks and bonds. Real estate investments have the opportunity to appreciate in value with inflation. In other words, investors can receive a greater amount than started as the property matures. Many people who are interested investing in real estate will purchase rental properties at the value price. These buildings are typically missing specific features or could use moderate improvements. Smart investors would research and calculate estimated costs of repair. If the value exceeds the cost of the repair, the amount of equity in the property will increase. Therefore, the return of their investment (ROI) will be high. Bonds Bonds are a considered a low-risk investment because the money invested will be safely returned, and then some.Investors have the opportunity to invest in bonds, which allows a company or government to borrow your money to finance projects or refinance debt. Investors can assume their money will be returned because bonds follow a fixed-income installation, which also issues a specific interest rate. Investors can expect the total balance or principal to be repaid in full by a set maturity date. CD Ladders This investment strategy allows investors to divide a specific amount of money to be invested in equal amounts to certificates of deposit (CDs) with different maturity dates. Investors use CD laddering to decrease both interest and reinvestment risks. A traditional CD ladder divides your investment evenly over the course of five CDs, with one maturing CD each year. CD laddering also provides investors several benefits, for example: Accessibility – Your money will be more available at frequent intervals Flexibility – You can decide how you want to split up your investments Higher interest rates – You can choose longer CD terms with higher interest rates and still have certificates regularly maturing Dividing your investment into separate certificates can significantly help your money grow. Traditional IRA Saving up for retirement as early as possible will benefit you in the long run. Like mentioned before, the longer money is invested, the more time money has to grow. When you are nearing the retirement age, you will already have adequate funds to fall back on, stress-free. Retirement accounts, like a traditional IRA, can make you eligible for tax deductions, depending on your yearly contributions. In addition, your earnings can grow tax-deferred until you need to withdrawal for the next chapter of your life, retirement. This is considered a long-term investment and is proven to effectively benefit investors who are thinking about their future. If your appetite for risk is higher you should take a look at binary options brokers like IQ Option
  3. hi greetings

    Hello @gacha . Welcome to InvestOpen.com Thank you for visiting and registering up.
  4. I am the new one

    Welcome to InvestOpen.com
  5. Hello everyone!

    Hello @forexpic . Nice to have you on board. Welcome and enjoy your stay.
  6. Hello everyone

    Hello and welcome to InvestOpen.com
  7. Newbie here

    Hello @CarlosR . Welcome to InvestOpen.com Nice to have you here.
  8. Hello Alexio. Welcome to InvestOpen.com
  9. Hi, how I invest and get plz help

    There are plenty of things you can invest in: Cryptocurrencies, Stocks, mutual funds etc. It depends on your tolerance for risk and the desired profit you want to make.
  10. Established in 2016, Circle Markets provides foreign exchange traders with a high-quality trading environment. With Circle Markets you can trade in any one of 144 different currency pairs, in 7 different commodity markets, in one of 10 leading world stock market indices and cryptocurrencies. We provide user-friendly account management tools that make it easy for you as a professional trader, account manager or investor to manage your accounts. Circle Markets provides access to the MetaTrader 4 trading platform. This platform contains a number of technical analysis tools; allows you to carry out trading from your smartphone, tablet or personal computer; gives you access to the latest financial news and market analysis, and allows you to connect to the interbank market. https://circlemarkets.com/
  11. StarFX - www.starfx.com

    StarFX vision is to become the absolute best and fairest global brokerage in the industry. We want to provide the absolute best service, including as much accurate and reliable information as you can handle, with the most cutting-edge technology and the most competitive advantages. StartFx website and trading platform are operated by LLC L.A. INVEST, a company incorporated in Georgia, registration no. 430034811, having its registration office and principal place of business address at Georgia, Tbilisi, Sandro Euli №3 (the “Company“), licensed by the National Bank of Georgia (“NBG“) to provide the financial services contemplated in these terms and conditions. https://startfx.com/
  12. When so much work is dedicated to operating a small business, it can be easy to overlook certain essential elements. Too often small business owners forget to necessitate the importance of separating business and personal expenses. Opening a business account is crucial for any new endeavor. It’s a critical step in legitimizing your business idea into a real business. It also makes it easier to manage budgets and expenses. Not to mention tracking business cash flow and capital. A business bank account is also recommended for tax purposes, building business credit, debt liability, and to designate business write-offs. With so many options for your business needs, opening up the right business bank account for your needs can be a daunting task. To understand where to start, here are five important tips to get your business ready for its new business bank account. 1. Determine what business bank account you need It’s important to first setup your business administration by creating your business name and legal structure as well as company files, before shopping for the right bank account. The way you structure your business will have implications on tax payments, potential liability, and future funding. Once your business has been formally registered with the appropriate local and federal agencies, you’re afforded the ability to open up a business bank account. Your business structure will determine the right business bank account. With several to choose from, such as a business checking account, business savings account, and business certificates of deposit (CDs). It’s advisable to first open a business checking bank account before segueing into a savings account. The transition to a savings account reinforces the focus of saving once the business is cash-flow positive. Certificates of Deposit is a long-term savings account that reduces liquidity, something most small businesses require in the early offset, making this a limited first bank account option. 2.Be aware of fees The depository institution you choose will dictate certain factors such as number of available locations, online and mobile experiences, customer experience, bookkeeping integration, and overall costs and fees. Be mindful of fees once your business has decided on the right type of bank account it requires. Most banks will be structured similarly with the exception of their overall costs and fees. There are banks that provide free business checking bank accounts while other will charge. Generally, banks with required fees provide more services than those without. Besides, certain banks will waive their fees if specific criteria are met. These can include maintaining a minimum balance, spend, and bill payments. Bank account fees are assessed according to the structure of the bank account. The typical bank account costs to look out for, particularly with checking and savings accounts are, monthly service and balance transfer fees, cash deposit fees, wire transfer fees, and minimum balance fees. Typically, CDs come with early withdrawal and broker commission fees. 3. Find the right bank to build your credit Once you’ve prepared your documentation and are ready to open your business bank account, be mindful of the opportunity to request a corporate credit card. A corporate credit card provides your business the platform necessary to build a credit record. It’s important to find the right bank account that will provide your business with a secured credit card. Not every depository institution provides a secured card, so it’s important to compile this research while you shop different financial institutions. A secured card is ideal for business owners with little to poor credit history. Secured cards operate similarly to personal debit cards in that they are backed by funds available in your account. This card can be used to for small business expenses. Just remember to pay it back in full monthly so your business can build credit. 4. Understand the support your business needs The relationship your business has with a financial institution is vital to the future success of your business. Therefore, it is crucial to think about the support and aid your business requires as it grows and changes. Different institutions will provide various support systems. Some banks have specialists that will cater to managing and growing your business. Others will provide advisors in fund growth and business expansions. Some can assist with tax and payroll issues. Accessibility is also essential to note. Does your business require a lot of online banking and does your bank provide the necessary technological structures to manage your business finances on-the-go? Are you able to make deposits through your mobile device or automate your accounts online? It's important that the bank you choose has the platforms necessary to support different business needs. 5. Get your paperwork ready Your business name and structure will format the paperwork to necessitate opening an account. Different institutions will have different requirements, so it’s vital all your paperwork is in order. Often, when opening a business account, banks require a business license with both the business and owner’s name. They will also require your business name filing document. Check with your local and federal agencies for other necessary documentation. Most request your business registration forms as well as valid forms of ID. Exact documentation differs according to your business structure. Additional documentation will be required for a Limited Liability Company (LLC) that may not be necessary for a sole proprietorship business. You must ensure all additional corporate documents are on hand with your business license when submitting your paperwork. No business should function without a business bank account. Finding the right bank is a crucial step in your new endeavor. But as business structures vary, so do bank accounts. It’s important to note which banks work best with your corporate structure and business needs. But just the same, your choice of financial institution is not permanent. If your business requirements are not being met, you are unhappy with their services or have simply outgrown your selected bank, you can choose to change it up.
  13. There are many ways to start building a portfolio of valuable investments, but not everything is right for everyone. How a person wants to invest their money, how much they have, and what kind of rate of return they desire all matter. Additionally, it is important for people who want to invest to focus on where their money is and how quickly they might need that money in an emergency. If they need quick access to their investment dollars, some strategies may not be right for them. Many people focus on real estate and forex investing, but which one is right for you? Could both work? Here are pros and cons to consider before making an investment in either one. What Does Forex Have To Offer? Forex involves the purchasing of foreign currency, in much the same way a person would purchase stocks. Then the buyer waits for the value to rise, and resells the currency. They make money on the difference between what they paid and what they sold it for. This can allow people to make a lot very quickly, and to buy and sell rapidly if they need the cash – but only if the value of a currency rises fast from what they paid when they purchased it. The benefits of forex include: Not needing a lot of money up front to get started. Having a high level of liquidity for any money invested. A lot of conveniences, since forex can be done from any place with an internet connection. But even though forex trading might sound like an easy way to make money, there are challenges that also have to be considered. Investors who overlook these risks can end up losing the money they invest quickly. Are There Cautions With Forex Investing? The risk of loss is the biggest caution when it comes to forex investing. Like stocks, this type of investment is not guaranteed in any way. There are also other risks, like: Purchasers can lose some or even all of their investment. There can be fraudulent transactions in this market. If the broker someone is using goes bankrupt it could mean they have no way to collect any money they would have otherwise made, and they may not even be able to get their initial investment back. What is The Value of Real Estate Investment? When most people talk about real estate investments, they're almost always referring to long-term investments rather than the flipping practices that have been popularized by television. Investing in real estate has generally been seen as safe because properties are more static than stocks, forex, and other types of investments. Additionally, real property can be insured so there is a lower chance that there will be a loss if something goes wrong. Still, buying at the top end of the market has its risks, and people who buy real estate are not guaranteed a good income or a good investment. Some of the perks of buying real estate as an investment include: • A lasting value based on a tangible asset. • Flexibility to do different things with the asset (buy, rent, etc.). • Some control over the value, through repairs, improvements, and changes. Is Property a Safe Investing Strategy? While buying property can be a relatively safe investment strategy for most people, there are still concerns to be aware of. One of the main worries for real estate investors is liquidity. Properties are not able to be turned back into cash quickly if money is needed, and not having a liquid asset can make it difficult for people who are trying to invest if their money is tight. Other issues can occur, too, such as: Keeping properties attractive. Trends can change relatively quickly, and design plays a part in determining value and how sellable a property is. The ongoing costs of maintenance and repairs. Insurance and other requirements that new investors may not be aware of. Tenant risks for investors who purchase properties to rent them out. So which should an investor get involved in when it comes to forex and real estate? There is no right or wrong answer to the issue, because both are sound strategies. It will generally come down to what the investor is specifically looking for, in order to get a strategy that meets their needs.
  14. In a few years’ time, traditional investments will still be around but judge by the market trends as they stand today, alternative investments will be on the rise, and for a good reason. But what exactly are alternative investments, and which ones promise the highest return with minimal risk of loss? By definition, alternative investments are financial ventures which don’t involve bonds, stocks, and cash, and as such allow investors to diversify their portfolios and achieve high yields. Still, newbies to the alternative investment game should watch their step as these ventures can be extremely volatile, illiquid, and they also entail long lock-up periods, which is why they can end in massive losses rather than fast and easy profits. If you’re still eager to expand your portfolio with the help of alternative investments but aren’t sure which of these ventures promise a high and safe return, here are four of the most common non-mainstream financial ventures you can try for peak yield and minimal loss risk in tow. 1. Fine art If you don’t mind waiting to cash in on your alternative investment, fine art is probably the best option. Investments in rare artwork will add value and variety to your portfolio and at the same time allow you to avoid excessive market fluctuations and loss risks. As a rule, oscillations in the fine art market are significantly lower compared to stocks and bonds, which makes this type of alternative venture perfect for young and up-and-coming investors. If you want to get high yield fast, though, you should look into other alternative investment options: artwork prices change at a relatively slow rate, which means you might have to put the sale off a little if you’re looking to get the biggest return for your buck. 2. Real estate Real estate investments are another area which holds huge profit potential, and the appeal of this type of alternative financial ventures has been on a steady rise among investors worldwide for a few years now. High yield and market stability make real estate trading one of the safest alternative investments you can add to your portfolio whether you’re a seasoned investor or a greenhorn in the game. Even if you’re not an experienced realtor, you can still earn a decent profit through fix-and-flips or resale of residential or commercial property in hot locations. Still, be sure to think through the investment and pick your estates carefully: real estate investments can bring in millions, but not every plot of land is truly worth its weight in cash in the long run. 3. Precious metals Even though money has been the customary payment instrument for a couple of centuries now, gold, silver, and precious stones still have an irresistible appeal for investors. One of the popular alternative investments that promise high yield and low volatility, gold can add credibility and diversity to your investment portfolio, but it shouldn’t account for 3% of your ventures because it doesn’t promise fast profits. In addition to that, silver and gold are a synonym for luxury and status in the finance world, which is another reason to buy precious metals and list the venture in your portfolio even if you’re not looking to use the alternative investment to raise wealth by buckets over night. 4. Hedge funds The most encompassing type of alternative investments, hedge funds represent money pooled together by multiple investors which can then be invested in other non-traditional commodities or assets. Unfortunately, hedge funds often entail low liquidity and high minimum investments, which makes them a better tool for seasoned investors looking to add interest to their portfolio. On top of that, investors with hedge funds in their portfolio also need to pick the right strategies to ensure peak return, or else their cash might easily be flushed down the drain. The list of most common hedge fund deployment strategies you can look into includes distressed assets, equity long-short, arbitrage, and macro-trends. 5. Start-ups and private companies Since technology is developing quickly it is always a good idea to invest in companies specializing in those fields. So, as an investor, you cannot make a mistake if you directly invest in a private company or a start-up. What is more, investing seed capital in such companies is often called angel investing. There is always a high return strategy and a high risk for investors, but not all start-ups end up failing. Also, besides the new and growing companies, you can turn to more mature ones, since they always seek investment capital during their life cycle. 6. Fund of funds Such investments include investing in large vehicles. However, those are not just any large vehicles, but the ones that form funds to invest in some other alternative. As an investor, you can often acquire more gain diversification if you invest in several asset classes, strategies, or managers. 7. Private equity Today, private companies are outnumbering the public ones, and that is why many of them will seek for investors. These types of firms usually raise their funds and take investments from both institutional and non-institutional investors. Further, those funds are used to place investments in promising companies and the capital is thus returned to the investor upon exiting event. This term, private equity, is broad and it includes private companies that can include start-ups, financing through phases of a growth of a company, venture capital and so on. 8. Private placement debt This is also one big market in the space of alternative investments. It is similar to equity, but there are no private placement bonds issued or traded in public. Also, they do not have to be rated by an agency for credit rating. For example, mezzanine debt and promissory notes are often used to fund private companies, but the investors are given steady cash flow. If you’re looking to boost investment portfolio diversity and ensure high and safe yield, you can invest in fine art, real estate, or precious metals, or you can pool your cash with other investors into a hedge fund and hire an expert to keep an eye out on your interest. Each of the alternative investment types listed above has its advantages and downsides, and not each and every one of them will fit your bill in the long run. Nevertheless, if you think through the venture before you make it, the high return will certainly find its way into your piggy bank within a few years’ time.
  15. 1. Debt Relief Debt relief is when your creditors totally or partially waive off the debt. It also stops or slows down the growth of debts that you owe to individuals or corporations. This is the case if a person has no equity in assets and cannot pay the debts at all because of the low income. Debt relief has its own benefits and disadvantages. Let's start with the disadvantages. The debt relief program is mostly designed for the loans and bills that are unsecured. The bills that are included are student loans, medical, credit cards and of course dental bills. Debt relief program will also be applied if the value of your house is exceeded by the value of your mortgage owed. You can't just sign up for debt relief program, you have to qualify to avail it. It is important that you prove that your income is very low that you can't even afford to pay the minimum payments. Also, your debt amount should be more than a certain amount that is fixed. If your debt is less than that then you may not be able to qualify. The benefits include a better living for the people under debts. The payments that were supposed to spend on debt payments are now being spent on necessities like health, education etc. This is especially beneficial for the indebted countries. 2. Leave credit card at home Going out without a credit card feels as repulsive as going out without your telephone. Imagine a scenario in which I get kidnapped. Whatever reason you concocted, discover a counterattack and leave the credit cards at home, it’s better to avoid keeping it with you. You should only use your credit cards for special payments, for example, shopping for food, oil changes, expense installments, charge installments, and so forth. It's simpler to monitor what you're paying and the amount of a spending you have on your credit cards. 3. Credit card limits Credit card organizations adore expanding your credit limits. They make you have an inclination that you've earned this stipend of invisible cash. As a general rule, they're making it simpler to trap you into spending progressively and in this way spending more on loan costs and late charges. Give yourself a practical credit card restrain. Consider what your most costly installment is, basic need or car installments, and twofold that. Or, on the other hand, make a financial plan for the considerable number of things you need to utilize your credit card for and make that your credit restraint. 4. Don’t save card details online Make sure you don't have your credit card information saved on online websites especially your App Store. Once you've pressed a button by mistake, the purchase has been made and cannot be returned. Also, if the information is not saved, whenever you think of purchasing, you'll have to add the details so, it will make you think twice before actually ordering it. This way you will not be overspending and you will get a chance to think more rationally. 5. Consequences of overspending It's always better to keep in mind about the consequences that you'll face with the result of overspending or spending irrationally. It is best for you to keep in mind that what are you going to face, for instance, the high rate of interest. Too many due payments, debts etc. There will come a time when you won't have enough money to pay them all. So, you'll have to cut back the expenses and look for ways to get debt agreement. If you think about all this, I'm sure you'll think twice before spending irrationally. Credit cards are beneficial if you're good at managing it and make regular payments but it will become a burden if you don't take care of it. 6. One credit card only It's always best to keep one credit card. The more credits cards you'll have the more you'll use it and in result the more liability you'll be in. This will also cause stress as you'll have more bills to worry about. If you have one credit card it will be easier for you to handle it. In case you finish the limit of one card you won't be having another one to use hence, your credits will be controlled. 7. Freeze credit card Another option is to simply freeze your card. Actually, freeze it! Whenever you need it just defrost it but obviously, it will take time, by the time it is maybe you’ve changed your mind, you no longer want to buy whatever you wanted. It gives you time to think before spending. 8. Debt help Debt consolidation is a good way to get freedom from your debts this is also known as ‘debt help’ by consolidating your debt the different interest rates eliminates and becomes only one. You can do it by combining all your debts and taking out a loan to pay all of them once and for all. You’ll only be paying the interest rate for the loan you’ve taken to repay. 9. Debt solution Debt solution’ can be referred as a settlement or agreement like debt agreement. A debt agreement is when you and your creditor decides on an agreement to make monthly payments in accordance with your ability to pay and income. 10. Don’t buy things on contract It's better to buy things like a mobile phone or gym membership when you have more than enough money. If you’re unable to pay your monthly payments, you’ll be charged with interests which will ruin your credit history. Summary Life-Saving Hacks for Financial Freedom are very important. You need to keep them in your mind all the time to keep yourself safe from all the troubles the 10 hacks to save from financial issues are; debt relief, debt solution, debt help, freeze your credit card, leave credit card at home, don’t exceed credit card limit, keep only one credit card, keep in mind the consequences of overspending and don’t save card details online. If you follow these you’ll stay safe from any financial problems.
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