Installment Loans and Payday Loans: What’s the Difference?

When your personal expenditures exceed your income, the quickest solution is to borrow the money. Fortunately, there are short-term lending options that make getting several hundred dollars in your bank account quick and easy. Two of the most commonly used short-term options are payday loans and installment loans. On the surface, the two options may seem identical, however, there are some differences you should be made aware of to make the most informed decision on which loan type is best for you.

 

Payday Loans

Payday loans are short-term loans for small amounts of cash. The loans are provided to the borrower with the understanding that the funds will be repaid on their next pay cycle (usually within 14 days). Applying is generally easy and can be done online. Eligible applicants will need to be at least 18 years old, have verifiable income, and a valid checking or savings account.

 

Installment Loans

Installment loans are alternative payday loans. Unlike payday loans that have to be repaid within 14 days, installment loans can be spread out over the course of several months or years depending on how much is borrowed and the agreed upon terms.  Like payday loans, installment loans can be applied for online and only require proof of income and a checking or savings account. Since they’re geared towards those with low or no credit, your chances of approval are a lot higher.

 

What’s the Difference?

Short-term installment loans and payday loans may sound a lot alike, however, there are some key differences you’ll want to be aware of.

Loan Amounts – The amount that can be borrowed is different. While a payday loan is typically $100 – $500, depending on the type of installment loan, customers could borrow a thousand dollars or more.

Repayment Period – Since payday loans are as the name implies, to be paid back on your next payday, the ideal repayment term is 14 days. Since there was only a small amount borrowed, lenders expect it to be paid back faster. Failure to do so could result in much higher interest rates and extension fees added to the total.

Installment loans, on the other hand, provide borrowers with more time to repay. Since they’ve borrowed more money, the loan is broken up into several small payments over the course of a few months or years.

Extended Fees – When a borrower is unable to pay their payday loan on the agreed upon date, they are required to pay an extension fee. This fee can be as much as $30 per $100 borrowed and does not count towards the payment of the loan. This, in turn, wastes more money and prolongs the goal of paying off the loan altogether.

Installment loans do not have extension fees. Instead, the loan and interest rate are divided up into small payments over the course of several months. The fixed monthly amount goes towards paying down the balance.

Flexibility – Another significance in payday loans and installment loans is flexibility in repayment. Payday loan balances, fees, and interest must be repaid within 14 days to avoid higher fees and interest. Installment loan providers, however, give you an option of how long you’ll need to pay off your loan. You can choose to pay it off early to save on interest, or make timely, fixed monthly payments until the balance is paid in full.

 

Choose Carefully

There are a lot of differences between payday loans and installment loans. Whatever your financial problems might be you don’t want to make them worse by choosing in haste. Review your circumstances carefully and then choose a lending product that best matches those needs. Remember, the idea is to get out of a jam, not put yourself further into debt. Review payment terms, payment amounts, interest rates, fees, eligibility requirements, and more to discern if you’ve chosen the right loan for you.

There may come a time when your finances are in disarray and you need a lifesaver to help you out. Though short-term loans like payday loans and installment loans can be beneficial for getting cash fast, it is imperative that you make an informed decision on which loan option is better for you. As you can see, while payday loans might be okay for small needs like a higher than normal bill, installment loans can be best for more expensive things like a car repair or home improvement task that will take longer to pay off. Whichever you choose, be sure that you know what to do and how to be a responsible borrower to avoid going further into debt.

Why Not to Waste Your Money on a Timeshare

Despite popular belief, timeshare is not a financial investment. Buying a timeshare is like buying a new car. The second it is purchased from a resort developer, it decreases in value by 50 – 90%. The average price of a timeshare is about $9,000, so that means the moment you sign on the dotted line you’ve basically just thrown away thousands and thousands of dollars.

Before we get ahead of ourselves though, let us explain what a timeshare is. There are many different types of timeshares, but in general they are a type of vacation ownership in which you own a piece of a unit within a resort. The timeshare is usually divided into 52 pieces because there are 52 weeks in a year and most timeshares are for 1-week each year. Timeshares can make you feel like you’ve purchased a vacation home, but, in reality they’re nothing more than an extremely overpriced piece of paper.

If you head over to Ebay and do a search for a timeshare such as Grandview in Las Vegas, you might be surprised to find that the timeshare is being sold by an individual owner for just $1. This is because many timeshare owners have found that their fees never end and they just want out. Timeshare owners are required to pay yearly fees that average around $850 per year. Many timeshare owners find that it’s cheaper to book a room in a hotel than to continue paying their obnoxious yearly maintenance fee and just want their timeshares to disappear. What they soon learn is that there is barely a market for their timeshare and it can be nearly impossible to get rid of it, so they offer it up for only $1.

Some resorts allow timeshare owners to give the timeshare back to them, but others do not. This is actually a recent development. In the past, almost all of the timeshare resorts refused to accept the timeshare back. Why would they? They get to sit back and collect that sweet, sweet maintenance fee money each year. Eventually though, timeshare developers learned that they could sell you a $9,000 timeshare, charge you to take it back, and then sell it again to someone else for $9,000. Capitalism at its finest folks!

If you own a timeshare and your resort refuses to take it back and you’re unable to sell it, you may want to look in to one of the many timeshare exit companies. Timeshare exit companies usually work with lawyers to help you cancel your contract with the resort. Sometimes their techniques are a little shady though, so you need to be careful. In fact, one of the most popular timeshare exit companies, Timeshare Exit Team, is being sued by a resort developer for its practices.

With all of this negativity, why would anyone in their right mind buy a timeshare? Well, for the most part, many people are pressured in to it. High pressure sales tactics are ripe in the timeshare industry. Lies are rampant and it’s not uncommon for a sales person to describe the product in a way that is absolutely untrue. Sometimes a timeshare resale can make sense though.

A timeshare resale is for sale by owner, so it can usually be purchased extremely cheaply. You’ll be on the hook for the yearly maintenance fees, but that’s not a big deal if you actually use the timeshare each year. Most timeshares are more spacious than hotel rooms and come with a kitchen, so it can feel a little more-homey. Some people like this enough to buy it.

In conclusion, never buy a timeshare from a resort developer directly. If you’re interested in purchasing one, make sure to buy resale. If you already own one, be careful when you’re trying to sell it. Don’t be fooled in to think it’s worth more than you paid for it as this is very rarely the case. Look at what others are pricing your timeshare for on Ebay, and you’ll get a good idea of its worth. Let us know of any questions in comments below!

The Rating Of The Best Forex Brokers

The rating is formed according to the the four main criteria that characterize the broker. All reviews were manually checked by the moderator in order to avoid multiple votings from one IP and make sure all of the information was up to date. So, if you want to choose the best broker today, here’s the list of potential candidates!

FxPro

The first place in the TOP four best Forex brokers 2017 is held by FxPro, one of the largest international Forex brokers, which is well known among experienced traders. The company has been operating since 2006, and has been providing trading services for a very wide range of investment tools to date. In addition to currency pairs on the most advanced trading software, it includes its own FxPro SuperTrader. The broker has held the top position for two months and before that they have spent eleven consecutive months at the third place in the rating.

Forex Club

This team presented the new EUR4H trading system using the Price Action principle in dealing with the key EUR/USD currency pair on the 4-hour interval. The rate in EUR4H’s work is to maximize the potential of the market movement within a day, and the profit for each transaction is almost unlimited. In addition, Libertex for iOS received an updated design and new features.

The evening mini-base online course for Libertex will be held in February for its clients, where you can quickly get the required set of knowledge for an effective start of trading on the financial markets from leading experts of the International Academy of Investment and Trading. A new thematic seminar “How to create your own strategy?” was also held a few days ago.

TeleTrade

TeleTrade holds the third place for the third month in a row, being at the same time in the top four continuously for quite a long time (twenty-seven months). For those who doesn’t not know or have already forgotten about the fact, the company has been in the market since 1994, and even more notably, it was the first to receive CBR license to provide services in the Forex market in Asia.

TurboForex

TurboForex is a relatively young broker; the company has been operating since 2010. It is registered and licensed in New Zealand, but this does not prevent it from providing services to traders around the world. In addition to currency pairs, the list of trading tools offered by the broker includes precious metals and oil. In addition, traders can use social trading, which allows them to copy trades of experienced traders.

Choose the broker you think will suit you best and start your career of trading on Forex today!

ULIP Investment Plan to Manage Your Wealth

“How can I get rich?” “What is the easiest way to grow my money?” These are the questions that often run through your mind from time to time. But often, you fail to find a prompt answer to this.

However, the answer to the first question can be “Grow your money and you will become rich.” But what about the other question? How can you multiply your money?

Now, this one is a tricky and wily question. Many people believe that by commencing a new business they can grow their money manifold.

But the deal is “It takes money to make more money.”

So, not really having a considerable amount of money to invest in your pristine business, in the beginning, you can begin with investing in the capital market to multiply your money and meet your financial objects.

Investing in equity directly can be risky and perilous and would need a lot of investigation and steady monitoring of market by the one who is investing. However, there are a few other instruments at your disposal in the market that are both hassle-free and risk-free and cater income tax benefits. A few of such investments are Equity Linked Savings Scheme (ELSS) funds, Bank Fixed Deposits (FDs) and National Savings Certificates (NSCs), Public Provident Funds (PPFs) and Voluntary Provident Funds (VPFs), Unit Linked Insurance Plans (ULIPs) etc.

Among all the above-mentioned options and choices, ULIPs are the second in the list, in terms of returns, transparency, flexibility, safety, costs, taxability of income and liquidity, according to the annual assessment report by the ‘The Economic Times’ for 2015.

As per the estimation, in the past three years, returns from the ULIPs have come up to 9.8 per cent. So, let us get acquainted with the ULIPs that are persistently ranking besides some of the best plans for investment in India.

The Spectacular Rise and Fall of ULIPs:

The dawn of Unit Linked Insurance Plans (ULIPs) was considered to be an avant-garde affair in the Insurance sector. ULIP was Certainly Different, in a lot of ways, from any other available instruments of investment. On the other hand, the lion’s share of ULIP was that it effectuated a fusion between insurance and investment.

There was a time when ULIPs were the highly sold product; however gradually, the popularity of ULIPs started coming down compared to other instruments of investments such as mutual funds etc. Particularly in the year 2008, the major fall was noticed in the market.

A lot of factors contribute to the dramatic fall of ULIP. They were costly and often cannot keep up to cater the expected returns to its investors. Apart from this, the agents were ever-pursuing who drew in approaching consumers into purchasing ULIPs and promised them higher returns and did not disclose the high charges involved. So, a lot of those who were enticed into buying ULIPs were repentant heavily, making it one of the most hated investment products available in the market.

ULIPs rose to esteem again after September 2010 out of the blue, when Insurance Regulatory and Development Authority (IRDA) brought out new bylaws governing this plan of investment. According to the new regulations, ULIPs’ charges got capped, making it easy on the pocket. There was an expansion in the lock-in period from 3 years to 5 years, and the basic sum assured turned out to be 10 times the annualised premiums. These changes made by the IRDA have made them as one of the best plans for investment in India.

Why invest in ULIP?

“There are a number of investment tools, why should I invest in ULIP?” You must be wondering despite being a lot of options to invest why to invest in ULIPs. You are no alone to have this question. A large fraction of people consider buying a term insurance cover for life coverage and put their money in a mutual fund for the creation of wealth, separately. This isn’t a bad idea. However, the problem with the investment in the term plan insurance is that you get no returns if you survive until the policy term ends. Although a huge amount of money is paid to the beneficiary under a term plan only after your demise. You actually enjoy no profit if you invest in a term plan, apart from the tax benefits.

A mutual fund is an ideal investment tool. But it entails huge risks. Also, a mutual fund provides no tax benefits unless you plump for an Equity Linked Savings Scheme (ELSS) that is Mutual Fund’s special sub-category with at least 3 years of the lock-in period. So, if you wish to avail liquidity from a mutual fund, you receive no tax benefits.

Keeping all the limitations in mind, many financial confidants, these days, choose ULIP over other investment plans available in the market.

Is it true that ULIPs are actually better than other investment instruments?

Despite being fine similarities between ULIPs and mutual funds in terms of investments, there is a world of difference among the two. ULIP scores more than mutual funds in terms of tax benefits and returns. All the ULIP investors are allowed to enjoy tax benefits both on the sum assured and premiums under Section 80C and 10 (10D).

What’s more, ULIP is such an investment plan that caters life insurance cover also. So, in the case of your unforeseen demise, before the policy term gets completed, the selected beneficiary will get the lump sum assured as the death benefit. However, if you outlive the entire policy term, you will get the fund value as the maturity benefit.

How ULIP works?

ULIP, as already thrashed about, is an investment-cum-insurance plan that possesses all the best gears of both the instruments. One fraction of the premium paid by you is kept for the insurance and the remaining fraction is invested in capital markets.

You are allowed to branch out your assets among various funds reaching out from equities to debts via ULIPs. So, you are allowed to set your own strategy for investment depending on your risk appetite through this sort of investment planning. You are also permitted to freely swap your money from a high-risk fund to low-risk fund and vice-versa as per the market timings. ULIPs are, therefore less perilous as an investment plan.

A few charges might get deducted at the time of entry when you invest in a ULIP. These charges consist of fund management charge, Policy administration charge, mortality charges, surrender charges etc. You are paid back a few of these charges in the form of loyalty bonus, provided you make in investment for minimum 10 years or more.

Winding it up!

ULIP is one of the finest goal-based long-term investment-cum-insurance options. Although it was very high-priced a few years back, it has become relatively affordable, nowadays. Now, an ample number of insurers cater pocket-friendly and reasonable ULIP products, which help you in meeting your financial objectives easily and in quite a short period of time.

BRIC Equity Funds Are On The Move Again

Brazil and Russia were investor favorites ten years ago. But a nasty recession in Brazil and Russia, plus the sanctions placed on Russia, have those emerging markets in a financial hammerlock. BRIC equity funds were off-limits to investors, but over the last couple of weeks, those funds have come alive. According to a Boston-based fund tracker, Brazil, Russia, India, and China received $45 million from investors in first two months of 2017. BRIC equity funds are enjoying the longest inflow of cash since June 2016. Commodity prices, corporate earnings and the fact that the Federal Reserve may not raise interest rates are the catalysts for the increase in investor interest. But even with this surge in investor interest, the four emerging markets are still a long way off from the 2007 boom days.

Lackluster commodity prices threw Brazil and Russia into a recession in 2014, and China didn’t help the situation. China was Brazil’s largest trading partner five years ago, but the Chinese manufacturing-based economy started to fall apart in 2012. Productivity and new orders continue to slow down GDP output in China, and that slowdown impacts the BRICS alliance. Chinese banks have too much bad debts on the books. The government is trying to hide the drain on capital reserves, but investors like Jim Dondero, the president of Highland Capital Management think, China’s debt could be the straw that breaks the global economies back over the next 18 months. India is the only country in the BRICS alliance that is posting positive GDP percentages. China GDP output is still better than most, but it is not as good as it was in 2012.

Even though there is renewed interest in BRIC equity funds, Dondero believes investors will support individual funds rather than the BRIC fund going forward. So far in 2017, Russia and Brazil funds received $1 billion each. That is the biggest inflow since the end of 2014. India funds received $380 million so far in 2017 because there is talk that India’s economy may be slowing down. India funds enjoyed cash flow of more than $2.3 billion in 2016.

The number of active BRIC funds continues to drop from the high of 106 funds in 2014. In 2016 there were 79 active BRIC funds. Net assets in those funds shrank to $4.87 billion from $7.6 billion in 2015, according to Jim Dondero.

The BRIC alliance is considered strange by many investors. Dondero and other investors say there are few similarities in those countries in terms of commodity use and commodity production. Many investors are concerned about the political systems in BRIC countries and that keeps many investors away.

James Dondero is a University of Virginia graduate with degrees in finance and accounting. James has more than 30 years of experience in the investment and finance industry. In 1984, he started his career at Morgan Guaranty. He was hired by American Express that same year. Jim spent four years at American Express before he took the job at a subsidiary of Progressive Life. In 1993, he founded Dallas-based Highland Capital Management with his partner Mark Okada. Dondero is responsible for the incredible growth of the company. Highland Capital has more than $16 billion in assets under management. Dondero is also known for his work with nonprofits in the Dallas area. The Highland Dallas Foundation supports several organizations in the Dallas area.

How Is Gold and Silver Valued?

Whether it is about trading, mining, or recycling metals like silver and gold, it is important to understand how each is valued. Pricing metals is not the same as attaching a value to assets. Valuing silver and gold is something that consumers, miners and exploration companies must know their way around.

Where Does the Value of Gold and Silver Come From Anyway

Historically, people were challenged to come up with a form of currency. This medium of exchange was supposed to be practical and portable to replace the barter system, which landed them to the choices of metal. Unlike many other metals on the periodic table, gold and silver can be melted over flame to make coins, do not corrode, and are fairly rare in the world. Between silver and gold, gold stands out far better too as it is easier to recognize because of its unique properties like it absorbs some light when exposed to it.

Gold and silver do not have to have any intrinsic value. The rule of currencies is that it only has any value when societies determine a value for it.

Forward to current day and economies have applied a certain value on these metals, perpetuating their worth. Gold has always been the metal everyone falls back on when a specific form of currency does not work. Gold will always have some sort of value and act as insurance in tough times too.

Sources of Pricing

There are two types of prices. The market price at which something is sold or bought for fast payment and delivery is called spot prices while future price is simply the value at which participants enter an agreement contract to transact on a certain date.

Large Bullion Traders and Banks

Bullion traders and banks work with large volumes of metals with their clients. They sell and buy metal which becomes a part of their trading process. As a result, these work as reliable sources of valuing precious metals.

OTC Markets

This is a market of securities off the exchange market. Here people trade through the electronic network. Financial organizations work as market makers and bid a value that works as the spot price.

Future Values of Silver and Gold

Precious metals futures contracts are traded through major exchanges around the world. These exchanges are important sources for the future values of metals like silver and gold.

Fixing

Fixing is referred to the agreements between participants on one side in a market to sell or buy metals like silver and gold at a certain price while maintaining market conditions so that the price remains the same. This is done by controlling demand and supply to an extent. Throughout the proceedings as price is moved higher and lower as orders are changed until the time comes that orders are satisfied and price is fixed.

Sources:

http://www.investopedia.com/articles/investing/071114/why-gold-has-always-had-value.asp

https://www.goldbroker.com/investing-guide/how-gold-silver-prices-are-determined

Explained: Forex and Binary Options Signals

An increasing number of people are beginning to feel attracted towards the idea of trading in certain financial markets. The internet has made trading accessible to anyone who has a laptop or PC and an internet connection. If you find the idea of trading exciting or as a way of carving out financial independence, then all you need to do to start is find yourself a reputable broker.

The two most popular markers for new traders are binary options and forex.

Binary options

An ‘option’ is a contract that you make with a broker regarding a commodity. You do not actually purchase any of the commodity itself – the broker with pay you based on the contract. A ‘binary option’ is so called as there can only be two results – you are right, or you are wrong. The contract will basically state ‘I am investing a sum with a broker that will be doubled as my return (less the broker’s fee) if the price of a commodity rises/falls within an agreed timeframe’.

An example of this – you invest $100 in the price of USD rising against GBP within four hours. If you are right your investment is doubled minus the fee (typically ten percent). If you are wrong, your investment is lost.

Forex markets

Forex (or foreign exchanges) is where you convert from one currency to another, in the hope that the price of the currency will rise in comparison to the one you have converted from, or to other currencies.

Forex trading is more complex than binary options trading as you are making the purchase of the currency using your own money. You will also need to specify how much of the currency you are willing to buy, what price (whether the price of the currency you bought rises or falls) you will sell at and when you will sell. With binary options you can only double your investment, but with forex trading you can make big gains, but also big losses. Financial events such as a sudden currency crash can occur, impacting your trading account balance.  The concept of option exists in forex trading as well. Opposed to binary options industry, forex traders can use regular (a.k.a. “vanilla”) options that have the same profit potential as spot forex trading, but the risk is limited to the premium associated with the contract. Check out this fx options trading platform from Avatrade.

Binary options and forex signals

Knowing what best to do when you first become a trader is virtually impossible unless you have undertaken a substantial amount of investigation into how financial markets work, and how successful traders make their millions. Four out of every five new traders will quit within their first month of trading as they find the trading market too daunting, or complicated.

For those prepared to stick at it, help is at hand in the form of two trading technologies: binary options and forex signals.

A signal, in this regard, is an indicator sent by an experienced trader or a computer algorithm that suggests you ought to ‘get in on’ a particular trade. Think of a signal provider as your own personal trading advisor.

Binary options signals are usually sent via SMS. This is because a trader will need to act upon a binary options trade quickly, before market conditions change. Binary options are dictated by tight time frames. Such signals are usually created via complex, market-watching algorithms.

Forex signals are typically sent via email. The timeframe is not so important, and there’s a lot more to consider before placing a trade. If you did come into a forex trade too late, you may only lose a little profit. Such signals are usually created by experienced traders rather than software.

You can follows signals manually, or by using what is known as an ‘Expert Assistant’, or EA. An EA is a piece of software that connects the signals to your broker account, meaning that the signals are conducted automatically.

There are paid signal providers and free signal providers. Of the two, paid services are frequently the more beneficial. Free signals are generally created via software.

A typical signals provider is Snipe TheTrade, reviewed here on Invezz. The firm offers both forex and binary options signals at a cost of $99 a month. There is a five day free trial period, so you can get a taste of the signals before you hand over any payments. Snipe The Trade’s signals have a confirmed win rate of over seventy percent, and their trading list is available for you to evaluate.

If you are new to trading, then signals are an excellent way to become accustomed to the mostly complex world of online trading in financial markets. You’ll gain experience and valuable insight, plus – hopefully – a significantly swollen trading account.

Protect Yourself When Your Insurance May Not

office_buildingWhen we make investments, we do so with the expectation that they’ll return a financial gain in the future. For instance, we expect that our home will both provide shelter and increase in value. While there are things you can do to increase your chances of this happening, there are also other circumstances that can unexpectedly arise that can cause you to lose substantially. From natural disasters to financial meltdowns and more, you can quickly find yourself picking up the pieces of your investments wondering where things went wrong.

While we can’t eliminate the unknown, there are things you can do to protect yourself when insurance may not, and it’s worth the time to invest in your own knowledge in order to minimize the impact of the hit these circumstances can administer. Here, we offer four ways in which you can do just that.

  1. Consider Automated Investing

The stock market can be difficult to predict, and there are so many different approaches you can take in the consideration of the best investment choices. That’s where automated investing can help. We have found numerous ways in which we can increase efficiency using technology, and it only makes sense that these many complicated formulas can be more easily considered using machines to do the hard work. With something like Wealthfront Review or some other similar tool, you can explore the many benefits of using this type of service before you make your next big stock market decision.

  1. Utilize the Competitive Nature of the Insurance Business

Because of the increase in connectedness the world has experienced, we now have quicker access to more of the products and services we need than ever before. You can use this to your advantage when you compare insurance quotes online. Armed with the power of negotiation with multiple quotes that are now so easy to obtain, you can receive the protection you need on your most valuable assets at a cost you can afford.

  1. Maintain and Improve

Your home is likely one of your largest investments, and it requires your attention to maintain. Unlike assets like cars, your home is capable of increasing in value over time, but it requires that you take the time to perform regular maintenance such as:

  • Having plumbing inspected at least every five years
  • Inspecting the home for termites every five years
  • Checking guttering system to reduce risk of flooding

You should also consider a remodeling job. It’s estimated that, by remodeling the kitchen alone, you can increase the overall value of the home by about $14,000.

  1. Don’t Forget Digital Assets

We have become increasingly reliant on technology, and it’s becoming more and more important to consider your digital assets and how quickly they could disappear. There are a number of unexpected things that can occur that would eliminate any trace of the valuable information that lies in your business or personal computer that would take years or even decades to replace including:

  • Computer viruses
  • Hardware failure
  • Software corruption
  • Hardware destruction
  • Theft

Considering this threat is still relatively new, it can be easy to overlook. In order to ensure you’re protected, take the time to backup all of your data. There are a number of free applications you can use to achieve this, or you could even backup a physical copy using flash drives or other hardware.

Protecting What’s Yours

You work hard for your money, and eventually you want your money to pay back by working hard for you through retirement. While we can’t eliminate the possibility for bad things to happen, we can prepare for them by making smart choices now in preparation for future potentials. By following these five wise tips, you can be on your way to significantly minimizing the impact unforeseen circumstances can have on the future of both you and the ones you love.

Harald Seiz:  Gold and success — the two go together!

karatbarsHarald Seiz is the CEO and founder of Karatbars International. He lives and and works in Stuttgart and is able to travel the world to speak about being an independent adviser and entrepeneur. Seiz worked in the financial sector and was successful very early on; in the 1990s his company’s revenue reached over EUR 60 million. Since 2011 he has been the leader of Karatbars and has built the foundation from the ground up. The most important thing in his business philosophy is to “provide an effective means of securing financial freedom”.

As a senior executive, Seiz has been an independent investor working in the world of global finance for over thirty years. His focus is the expansion of his company on a domestic and global level, and to be assured that Karatbars International can be accessible to anyone and everyone. Originally involved with the insurance and real estate business world, Seiz has broadened his experience to coordinate Karatbars International and its scope to an even broader level. He feels very strongly that customers are the number one priority and he has a singular vision when it comes to assisting investors with advice about the market and where to find success.

Seiz has a razor-sharp focus; he is passionate about showing everyone a path to secure financial protection. The procurement of gold in small quantities with Karatbars International allows investors to have a tangible and solid investment rather than an obscure paper one. With the world’s finances all out of order and a new economic crisis at every turn, a method of money and payment that is constant and not affected by inflation or deflation is of the utmost importance. When investors can conserve their energy and focus on achieving personal goals then life can experienced on a higher level and personal financial security can be assured.

gold-bar-stackThe idea of gold’s importance has been constant for over 5000 years. In Greece, a tailor could sew a high-quality set of clothes for about an ounce of pure gold. Today, in 2016, a custom-fit, tailored suit will cost about an ounce of gold (of about $1300 approximately). Gold will usually hold its value and not fluctuate the same as other currencies. This is because there is a finite amount of gold in the world and as a fixed amount it is assured there is always a popular and very high demand.

Harald Seiz and Karatbars can help investors with financial security. Different than other investments, gold will always hold its value, always be secure and always be a precious commodity. Start investing today for financial security and peace of mind tomorrow.

(For more information please visit www.harald-seiz.de)

A Guide to Stockbroking Platforms

If you have been considering a foray into the world of online trading, you are certainly not alone. Every day, countless individuals choose this option over the more traditional (and arguably outdated) forms of investing. We can think of these platforms as the virtual “vehicles” for financial independence and success over time. Much like any type of vehicle, it is important to appreciate the mechanics and accessories that each platform offers in order to properly align yourself towards success. What metrics define an efficient trading system and which qualities should always be analysed before committing to any type of service?

The Tools at Your Disposal

Would you ever attempt to build a house with a hammer and a few nails alone? Much in the same respect, you need to be provided with the latest financial instruments to build a strong stockbroking foundation. Some of the most effective stockbroking platform tools will include:

  • Numerous charting indicators (logarithmic, candlestick and dot).
  • The ability to access the price history of a specific asset.
  • Thorough technical analyses.
  • Flexible chart intervals.

There are two main benefits of being provided with this wealth of options. First, the stockbroker will be able to address the needs of his or her unique strategy. Secondly, keeping abreast of all of the latest market movements is paramount for financial gains.

Intuitive Trading Platforms

Another hallmark of an effective trading platform is one which is defined by clarity and ease of navigation. After all, what good are all of the latest figures if a trade takes a relatively long time to execute? The inherent streamlined nature of systems such as those offered through CMC Markets are able to take the guesswork out of stockbroking and in turn, the client will enjoy a greater sense of flexibility at any given time.

Mobile Solutions

A growing number of stockbrokers are now trading remotely thanks to 3G and 4G connectivity. It therefore stands to reason that modern systems need to incorporate mobile-friendly platforms directly into their software. Thus, executing trades can take place even while away from the home or the office. This is also ideal for those who may have only a limited amount of time to invest during each day.

News, Insight and Market Analyses

One of the drawbacks associated with many low-grade platforms is the fact that they do not possess the architecture to support streaming news feeds and live chart analyses. This can be detrimental to the health of any portfolio, for it may be nearly impossible to capitalise on any sudden movements or react to late-breaking economic data. Access to ongoing news sources is another indicator of a worthwhile stockbroking platform.

Please note that these amenities are best when used in synergy with one another. Whether you have only begun your journey into this world or you are a seasoned investor, the ability to access efficient trading software is crucial. So, it is always wise to examine any system very carefully before making a final decision. Your financial future could very well depend on it!

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