Tag: investment

INVESTMENT FUTURE CONTRACT IN DEPTH

A Future Contract is a contract between two parties where both agrees to buy or sell the underlying asset at a predetermined price and the specified date in future. It’s also known as a derivative because future contracts derive their value from an underlying asset. The underlying asset in the future contract could be commodities ,stocks, currencies, interest rates and bond. The future contract is a standardized agreements which held at a recognized stock exchange. A futures contract provides both a right and an obligation to buy or sell a standard amount of a commodity, security or currency on a specified future date at a price agreed when the contract is entered into.

There are two types of people who trade whether buy or sell, future contracts: Hedgers and Speculators. In simple words Hedging means reduction of risk. An investor who is looking at reducing his risk is known as a Hedger. A Hedger would typically look at reducing his asset exposure to price volatility and in a derivative market, would usually take up a position that is opposite to the risk he is otherwise exposed to. Speculators are those class of investors who willingly take price risks to profit from price changes in the underlying.

Futures contracts are considered an alternative investment, as they typically do not have any positive correlation with stock market prices. Commodity futures trading offers investors access to another asset class of investments. Futures trading offers advantages such as low trading costs, but carries greater risk associated with higher market volatility. Futures contracts are useful for risk-tolerant investors. Investors get to participate in markets they would otherwise not have access to. Margin requirements for most of the commodities and currencies are well-established in the futures market. Thus, a trader knows how much margin he should put up in a contract.

7 Online Business Anyone Can Start (No Scam No Investment)

Earning money has always been associated with and restricted to traditional ‘offline’ route. With the Internet taking over a large part of our lives, more people are looking to ways to earn money online to increase their financial inflows.

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However, you should be careful of the platform that you opt for. While there are numerous ways to earn money online, some of these might be fake, thus taking you for a ride. Also, do not expect to earn a huge amount quickly when using online avenues.

1- TEESPRING

Teespring is a free platform that lets you create and sell over 50 kinds of products with no upfront cost or risk. We handle everything, from printing to shipping to customer service. Teespring is for everyone—from entrepreneurs looking to start their own online business, to Creators wanting to offer awesome merch to their fans, to charities looking for a hassle-free way to raise funds, and everyone in between.

Use Teespring tools like stores, promotion codes, buyer messaging, and more to maximize your sales! We can even list your products within the most powerful global marketplaces like Amazon, eBay, and more through Teespring’s Boosted Network.

How do I make money using Teespring?

You choose the selling price and profit for all of your products. When a product sells you get to keep the profit. For example, the base cost of a t-shirt is $10 and your selling price is $24; when you sell a shirt you will earn $14. Once the orders are processed your profit will be available for withdrawal in the Payouts section of your Teespring account. Don’t forget the more you sell the more profit you can earn per product per month.

2- Merch by Amazon

Basically, if you have 100 t-shirts in your account, you could expect to make about … This is a conservative estimate, about $150 a month. If you have 1,000 t-shirts in your account, you can expect to make maybe $1,500 a month. If you have 8,000 t-shirts in your account, you could expect to make about $12,000 a month.

Merch by Amazon is a very cool startup type program by Amazon. It is a pod program where you can sell tshirts, sweatshirts and hoodies in USA. Anyone can participate as long as you have payoneer. For Indians, there is a 15% tax on earnings. (No wonder taxation is theft as we have to pay tax on those earnings in India as well. But then IRS are a bunch of thieves)

3- REDBUBBLE

The designers earn royalties from the sale of their creations. They receive a percentage of the profit and the rest of the funds account for the fee paid to Redbubble and the manufacture of the merchandise. The site then handles the inventory and shipping transactions on your behalf.

The designers earn royalties from the sale of their creations. They receive a percentage of the profit and the rest of the funds account for the fee paid to Redbubble and the manufacture of the merchandise. The site then handles the inventory and shipping transactions on your behalf

4- UDEMY

One of the best features of selling classes on Udemy is the fact that it can become an excellent source of passive income. Once you create and post a course, it can earn you money for a long time without additional work. It just might take more work to market your course to potential students.

For example if a student purchases your course using an Instructor Coupon code, either from promotions to your own audience (e.g., your email list or YouTube subscribers) you can make 97% revenue share. Alternatively if the course is sold via an Affiliate, the split is 50% affiliate, 25% Instructor and 25% Udemy.

5- AFFILIATED MARKETING

Affiliate marketing is one of the oldest marketing practice which gains affiliates a commission in the case of sale based on the affiliate’s recommendation. It is one of the cheapest and easiest ways of marketing as you don’t need to create and sell a product. Just one thing you need to do is to enable a linked connection between buyer and seller and take your commission when the sale is made.

As you see, affiliate marketing is a passive income source. It is highly competitive it is true but still it may be so easy to make money online with affiliate marketing. To be successful, you need to learn what works and what doesn’t while promoting your products.

There are many affiliate marketing works. So, you need to be patient. You can feed your website with qualified content to get high ranking positions and raise awareness, attend affiliate marketing events, seminars or webinars and join a discussion forum or online communities to meet new people. All make a great contribution to develop you. Naturally after these contributions you will be more passionate to make money from affiliate programs. If you are patient enough you will make money with affiliate programs. 

6- YOUTUBE AFFILIATED MARKETING

You can make money on YouTube by doing affiliate marketing, which is including links to products you review and use in your videos that will track a purchase. If someone makes a purchase using your affiliate link, you receive a small commission for the sale.

Another thing about affiliate marketing is the payout percentages as well as how these people track your viewers who are clicking on these links. Every time someone clicks on one of your special tracking affiliate links, a little cookie is put onto that person’s computer to track what they purchase. The best part about the cookies is that if you link to a specific product, they don’t have to purchase that product. Anything they purchase on that website, you get commissions for. So they could click over with your affiliate link and that cookie and decide not to purchase that, but purchase a whole bunch of other things, and you get paid commission off it.

7- EBATES REFERRALS

You can still make money without a blog! In fact, you can make some major coin with the Rakuten Referral Program simply by inviting friends and family, using your social media networks to the fullest – including Pinterest – and even promoting in neighborhood groups and forums.

Have friends and family share your link. If you are saving for something special, and they feel like they can be a part of it, they will likely glady share the opportunity with their followers.

Of course, using the strategies above won’t hurt either. Pay special attention to numbers 3 through 5 and remember – have fun with it, but own it!

How to Become Rich Faster than Others (Practical Steps)

Everybody wants to become RICH one day.

Still, how is it that some people have all the answers? How do the rich keeping getting richer while the poor keep getting poorer? Is the game actually rigged against us? Are we, in fact, doomed to live ordinary lives, merely controlled by our hedonistic desires and pleasures, forced to succumb to our animalistic urges, never able to actually get ahead in life, let alone get rich? Or, is there some solution? A way out, if you will? 

How to Become a Millionaire and Get Rich the Right Way

Clearly, these are questions posed by the masses. But not everyone can pull it off. What separates those who seem to have all the answers from those that are constantly jumping from one ship to the next, never able to truly find their gravy train? Well, the answers are far simpler than most would imagine. 

Don’t spend more money than you make.

 Not many people follow this advice. Many are focused on spending as much as possible. Whether it’s to revel in the perception of being more well-off than they actually are, or some other purpose, this is the truth across much of the developed world. 

Keep a Diary of your Expenses.

Benjamin Franklin once said, “Beware of little expenses. A small leak will sink a great ship.”

As easy as it might seem to ignore the little stuff, so to speak, the more you sweat the details, the better off you’ll be. Cancel that gym membership you haven’t used in six months. Eliminate that costly cable television plan. Stop buying expensive lattes and eating out when you know you can’t afford to do it. Download an app or purchase a small notebook and track every expense no matter how small or how big. 

Quit all the Bad Habits- drinking, smoking, gambling, etc.

Bad habits hold us back from achieving many kinds of goals. They stop us from losing weight, making more money, saving, investing and everything in between. The only way you can actually get ahead in life is to decimate those bad habits. You need to quit the bad habits before they lead you down a deathly spiral. 

It’s hard to achieve something that takes so much of your energy, such as getting rich, without eliminating your bad habits first. I’m not just talking about poor financial habits; I’m also talking about any other habit that eats away at you, physically, emotionally or mentally. 

Save 20 % of your Income every Month.

In order to get rich, you need to save at least 20 percent of your income off the top. Everyone has heard this before, but how many people actually follow this advice? 

The term “pay yourself first” holds major weight here. While some don’t find the importance in this, others realize that this not only provides a rainy-day fund in case of emergencies, but also moment-of-the-opportunity cash. When the right opportunity comes by, you need cash to seize it. If you don’t have the cash, you just missed the proverbial boat. 

Pay-Off your Debts.

When you’re debt-free from the bad debt (not the good debt like mortgages for investment properties and loans to grow you business, for example), take that money and put it towards your savings. The trick is not to go spending cash and splurging on a vacation or a new car once you’re debt-free. Stay focused. 

Don’t Rent but Own your House.

No matter what it takes, even if you have to downgrade your living situation, you should do what it takes to purchase a home. Sit down with a mortgage broker and assess your situation. Set some goals and create a plan of action.

Even if you don’t have enough money saved for a down payment right now, figure out what it’s going to take to buy your home. We’re not talking about your dream home here. However, over time, the money spent on your mortgage is far better invested than money spent paying rent. 

Invest, but only after Researching the hell out of it.

Many people invest for the sake of it. If you don’t have proper knowledge about the plans your investment offers then you might never really grow your money in it. The better you know an industry or niche, the more likely you’ll be able to spot ideas that could possibly create massive amounts of income for you in the future. No one else is going to do this for you. And when you do invest in something that you know, be sure to track it vehemently.

Multiple source of income but not mainstream.

Anyone who’s serious about getting rich needs to build multiple streams of passive income. Passive income is incredibly important when it comes to amassing wealth. Simply put, you to need to generate your income on autopilot if you want to create a considerable net worth. 

There are a number of passive income generating ideas that you could implement. Some of the most popular involve real estate and dividend income for those that can afford the often high-cost barrier of entry into those fields. Others opt for generating passive income by starting a blog, creating digital products such as e-books or courses, and even creating online tutorials, just to name a few examples.

Time Value of Money.

We all have the same amount of time in this world. You don’t have more than the next person and that person doesn’t have more time than another. No matter if they’re a powerful politician, a business magnate or a famous athlete, they don’t have more time than you do. Time is life’s greatest equalizer. 

It all depends on how you utilize your time. Every second is precious. Become lazy or procrastinate and lose your dream of being rich.

Rome was not built in a day.

Daily goal setting provides milestones on your way to your bigger goals. Break the big goal down to achievable daily goals that won’t seem so overwhelming. For example, if you want a $10 million dollar net worth in the next five or 10 years, figure out what it’s going to take on a daily basis to move closer to that goal. 

Best low-risk Investments in 2020

Due to the Corona Virus Global Pandemic 2020, our economy has faced unprecedented challenges. With businesses shutting down and stocks facing a fall, INVESTORS are looking for stability in their returns by opting for low-risk investment options. Low-risk investments earn only modest or meager returns; and inflation can erode the purchasing power of money stashed in low-risk investments. But it all depends on what your economic requirement is and how much risk you are willing to accept.

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Lets dive into the top low-risk Investments in the year 2020.

  • High YEILD Savings Accounts.

Savings accounts offer a modest return on your money. A savings account is completely safe in the sense that you’ll never lose money. Most accounts are Government insured up to certain limits, so you’ll be compensated even if the financial institution fails.

  • Saving Bonds

Scrictly speaking rather than investments these bonds are more like saving instruments. Bond is a good choice for protection against inflation because you get a fixed rate and an inflation rate added to that every six months.

  • Certificate of Deposits

With a CD, the bank promises to pay you a set rate of interest over a specified term if you leave the Certificate of deposits intact until the term ends. Some savings accounts pay higher rates of interest than some CDs, but those so-called high-yield accounts may require a large deposit.

  • Money Market Funds

Unlike a CD, a Money market fund is liquid, which means you typically can take out your funds at any time without being penalized. Money market funds usually are pretty safe. The bank tells you what rate you’ll get, and its goal is that the value per share won’t be less than $1.

  • Corporate Bonds

Companies also issue bonds, which can come in relatively low-risk varieties (issued by large profitable companies) down to very risky ones. The lowest of the low are known as “junk bonds.” When you buy a corporate bond, you’re loaning money to the company. In return, you receive periodic interest payments until the bond matures and your principal investment is returned.

  • Dividend paying stocks

A dividend is a portion of a company’s profits paid out to the company’s shareholders. When a company makes a profit, it can choose to reinvest that profit back into the business, but sometimes it pays a percentage of it back out to shareholders. Not every company pays dividends, but those that do often have slow, reliable growth.

  • Preferred Stocks

Preferred stock is more like a lower-grade bond than it is a stock. Still, it may fluctuate substantially if the market falls. Like a bond, preferred stock makes a regular cash payout. But, unusually, preferred stock may be able to suspend this dividend in some circumstances, though often it has to make up any missed payments.

Building an investment portfolio that has at least some less-risky assets can be useful in helping you ride out the volatility in the market, and there’s been no shortage of that this year.

Key to being Financially Independent in India

We all work right from graduating till retirement for five days a week -sometimes six days – only to spend what we have earned. In the midst of this daily hustle, how much time do we actually devote to plan for financial independence? Hardly any! Is financial independence a plan only for retirement? The answer is NO.

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The first step towards financial independence is to not procrastinate it. A single drop of penny today will contribute to an ocean of financial resource. Then comes the below mentioned road map to a start of a great solo journey of life.

  • Financial planning – First, define clear and realistic financial goals like child’s education or a comfortable retired life. It is critical to factor in inflation while drawing up your financial plan. If you are planning your child’s education, you should be aware that a professional degree that costs Rs.4 lakhs today, is likely to cost around Rs.20 lakhs, 10 years from now.
  • Personal research – While a qualified financial planner can give you investment advice, the importance of doing your own research cannot be undermined. You can rely on credible websites to understand the pros and cons of each financial instrument.
  • Personalized financial plan – A common mistake is to opt for a particular plan simply because others are doing so. An investment plan must be customized according to personal factors such as your risk appetite, financial goals and life-stage needs.
  • Adequate time horizon – It is necessary to align the investment plan and the expected time frame for getting returns out of it. It is irrational to expect immediate returns from long term products like insurance, PPF etc.
  • Risk diversification – A smart investor would always ensure that the risk is distributed over a variety of instruments. A high risk instrument such as, an equity should ideally be balanced with a stable one such as bonds. Your investment portfolio should be a judicious mix of equity, debt, life insurance, real estate etc.
  • Planning for unforeseen events – Along with the current assessment of your future needs, risk of unexpected events must also be factored in. As a woman, it is crucial to be financially prepared to deal with unfortunate events like death, divorce etc.
  • Regularly track your investment – It is common to become complacent and expect the returns to flow in, once the investments are done. However, it is every investor`s responsibility to keep a tab on the performance of their portfolio.
  • Proper paperwork – There have been several instances where an investor is unable to claim returns from a bona fide investment simply because of misplaced or wrongly-filled documents. Proper documentation is a must to safeguard your investments. Also, ensure that someone other than yourself is fully aware of all your investments.
  • Securing your future: As a working member of the family, it is crucial for you to have adequate insurance to ensure that in your absence, your family does not go through any financial stress. Investing in a simple term insurance plan will ensure financial continuity.
  • Plan and execute – Last, but most important is to begin planning for all your financial needs from an early stage. The cost of postponement will weigh heavily on you in the later years when investing will become a compulsion rather than a choice.

In this world of instant gratification, have patience and watch as your pot fills with money one sweat and hard work at a time. Kudos to being financially independent!

8 Genuine ways to earn money from your home!!!

Here are some of the genuine ways to earn in your spare time without any investment.

  1. Transcriber: average earnings per month is hundred and fifty. All you need is actually to have a good pair of headphones and of course you need to get stored to type there now there is a few other sites so you can’t only rely of course on hundred and fifty dollars average earning per month but if you are good at this you can actually earn of course much more but what you can do is you can become a transcriber. rev.com is another site here as a transcriptionist you can anywhere from 24 to 90 cents per audio/video minute basically you can be a video captioner also which is pretty much the same here and you can earn anywhere from 45 cents up to 75 cents.
  2. Micro tasks you can do this on my.com in your spare time you get paid for completing simple tasks here so it can be anything from like tagging objects here helping companies select the best picture the audit user classifying you can see that there is tons of opportunities. Rapidworkers.com is another site where you can earn a decent amount just by doing some micro taskes.
  3. Data entry jobs on Amazon on rapid workers there is micro workers also but there is also assigned like a clickworkercalm.com. You just sign up for a free account and you work independently your schedule is flexible and all you need is a computer and of course and/or a mobile device with an internet connection and it’s totally up to you how much you want to work. You can do text creation, copy editing, research surveys, mystery visit, app testing and photo capturing a lot of opportunities that you can earn money from the comfort on clickworker.com.
  4. Virtual assistant one of my favorite sites is virtual assistant jobs calm and basically you can apply for data entry, call center whatever comes into your mind you can get started here and apply and search for it you might be available only to do this on part time so you can search for part-time flexible with contracts. Jobs.com helps us out there by providing all types of virtual assistance jobs.
  5. Online tutoring if you’re good at something math or English or something like that one side is a shag.com , VIP kid teachers.com which is basically they teach English here and you can earn up to twenty two dollars per hour teaching. There are many students who want to learn extra and out of their books so here comes opportunity by teaching them.
  6. Freelancer totally depends on your skills. There is other popular freelance sites like upwork.com there is freelancer.com there is people per hour so a lot of options actually that you can apply for here as a freelancer. Freelancing is one of the best option as you can work also on your niche and can enhance it for future use.
  7. Affiliate marketer and the good thing with affiliate marketing is that you don’t have to deal with shipping you don’t have to deal with anything at all. You need is just grab a link and promote that offer whatever it is and of course you earn a commission okay so one of the most popular platforms is Clickbank.com. They have thousands of products here probably one of the most popular niches will be health and fitness. You just grab a link here and what you do is you use this link to promote it you can use something like bitly to shorten this ugly link of course and then all you need to do is drive traffic to this offer. Amazon is another option that you can make money as an affiliate marketer they have millions of products here that you can promote ok you can earn a commission from anything you promote inside Amazon here so it works the same way it totally depends on your niche here how you can drive traffic to it.
  8. Sell stuff on eBay you have available that you don’t use at your home you can get stored there to sell this or you can actually use this platform to buy something and sell it much higher. So, you can be a sort of a middleman here so this is another option tons of ways and opportunities to make money eBay and you can of course do this from your home without any investment.

 

Why investing in Real Estate is profitable, especially now?

Amidst the recent worldwide pandemic, which has resulted in massive financial loss, for not only start-ups but also leading business companies, here is one correct way to gain profit. That is by investing in real estate. Yes, you heard it right! Real estate is one of the safest investment options during the horrible pandemic situation. In this present scenario, the prices of real estate and loan interest rates have fallen rapidly. As the rates have decreased, don’t you think this would be the exact time to invest in properties? Moreover, it has become immensely convenient to get a loan at the present moment.

With the sudden change of scenario, due to COVID-19, the rate of interest on home loans has decreased considerably. Along with the cheaper interest rates, investing in real estate would inevitably bring security to the owner. Nowadays, it is best to own a house rather than rent a place. Also, the best part of investing in real estate is gaining a property of one’s own. With security, one increases stability, and hence, buying a property would inevitably bring balance in your life. Once you invest in real estate, with time, the value of property increases. If you plan on starting up your own business or even become a landlord, here is only profit for you. One-time investment, that too in less amount, can turn out to be very profitable.

Now, you might think, why is this the ideal time to invest in real estate? Though real estate has always been profitable. But, recently, mortgage rates have decreased, which has led to an increase in investors. Now, once you plan on investing, you will find an impressive percentage of good deals available in the market. With the pandemic’s presence, property choices have increased a great deal, so this is the exact time for you to choose the property you wish to invest in to gain profit.

There are many leading agencies that look after the client’s needs and brings an excellent deal to the investors once the loan is approved. The present market scenario offers many choices to the client, a unique opportunity if you plan on investing. Therefore, if you invest in real estate now, you would have to pay a much lesser amount compared to earlier times. Along with it, you would get high returns once you sell the property in the future. Besides, if you are planning on putting the property on rent, that would turn out to be as profitable as selling it. Once you rent the property, this becomes one of the simplest ways to earn a considerable amount of money every month.

To conclude, real estate is a long-term investment. Even if you are investing at a time of crisis, this is going to become profitable even in the post-pandemic situation. You would experience a steady flow of income throughout. Hence, less investment today can bring high returns tomorrow. So, you should take a step toward investing in real estate.

INDIA MOVING TOWARDS SELF RELIANCE

Progress of India towards self-reliance is governed by certain pressing issues and their timely solution to achieve self-reliance. India has succeeded in keeping the rate of spread of Coronavirus which has caused a lot of injury to the social and emotional status of the society and created obstacles for India in achieving the aim of becoming self-reliant and seek self-sustenance.

If we look back to the days when economic reforms were introduced in the 1990s that gradually brought improved result in bringing the economy on the right track and resulted in improvement in the living standards of the people. However, we could have put in more thrust on technological and related advancements. This lacuna surfaced because of the trade policy on import and export of the goods.

The Central Government is now focusing more on development of infrastructure, usage of technology to optimum, upliftment of human resources. This is the right time when India can revive the economy by bringing about some major changes in the usage of available resources with the help of penning down new methodologies.

Issues that have caused hindrance for India’s progress towards self-reliance are; keeping away from full open markets that aligned with globalization, rate of production and manufacture, China playing an indispensable role in the Indian economy, Centre-State face off in concurrent sectors particularly agriculture.

If we shift our focus towards the solutions available to us viz. the availability of trained and skilled workforce for self-sustenance, shifting the dependence of manufacturing from China to India. India has a considerable young population strength that can be trained to attract new investments from global manufacturing giants. Optimum utilization of Indian human resource can set a new trend in the global economy. India is a ground for development and also a market with a huge potential for finished goods.

India possesses relevant aspects for generating the demand and consumption of the supply which can boost Indian self-sustenance. At the same time, while striking the balance between opening more areas for investment, India needs to seek healthy competition among the local and regional level. An opportunity to recognize the scattered local expertise of the Indian people in creating hand made useful things.

Policies can be framed to give more inclination towards local innovative crafts and skills so that they survive capitalism. Increasing control over agricultural products, defence sector, public health system and developing an indigenous chain of supply will enhance the self-sustenance. Increasing transparency in government purchase system adopting global procurement standards can enhance the rate of provision of material for expecting real-time growth.

India can focus on areas where it can shoulder the leadership and invite the investors. Usage of technology for the growth of Indian subcontinent is still underexplored. The world has turned virtual and advancement towards artificial intelligence and automation is the need of the hour. Hence, it can be summed up that framing real-time policies that focus more on meeting the results and adequate pumping of resources for proper development of education sector, health sector and catering for training the human resources will take India a step closer to achieve self-reliance.