What Is The Best Decision That You Have Taken In Your Life?

What Is The Best Decision That You Have Taken In Your Life?


I am a blogger and I have been around for more than a decade. Every week, when I put up my blog I ask one question to the followers and the answer determines my take in the next blog, of course with reasons why and why not I beg to differ from the popular opinion.

Over the years, I have had a great time connecting with my one thousand plus followers and I am so looking forward week after week to hear from them. They are my inspiration as much as I strive to inspire them!

So, last month sometimes, I asked a question relating to online trading and I am surprised that a majority of them answered in the affirmative. The rough estimation is that almost 65 percent of my followers who answered say that they have enjoyed their stint at trading and they are avid traders. We are talking about the online medium here.

18 percent of the people said that they only preferred actual physical trading at stock exchanges et al and a ten percent of them did not like either. They are probably not into trading per se or they have inhibitions about it which prevent them from engaging further.

The statistics were hugely informative:

For a long time, I felt very strongly about trading in the online medium. I began by trading foreign currencies but over time, I began diversifying into various other derivatives.

I have loved the time that I engaged:

Losing money big time was a part and parcel of the experience but as I became better at it I realized that it is a matter of finding the right software to trade at. Once you get to know which software is a legit one. The battle is almost won there!

I used to read a lot of reviews on the internet and subscribed to legit reviewing websites and blogs to get a lowdown on trading. I realized that while many reviews seemed to be doctored, it hardly mattered because of constant reading kind of makes your instincts sharp. You can tell from a look at the website’s homepage if it is only talking big or if it will walk its talk also!

Over the years there have been some extremely good sites where I can bet all my money to tell me if any particular software is worth staking my money on. This is a field where you learn continuously by doing. Each day teaches you something. My patience and resilience are by-products of my trading journey. I am so glad I got on to it early! And you?!

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I Am Still Repenting Why I Did Not Begin Trading Earlier Than This!


I Am Still Repenting Why I Did Not Begin Trading Earlier Than This!


Some regrets in life are ephemeral and then there is somewhere you cannot just overcome in spite of your best efforts. Mine is that I did not begin trading till a long time. I have seen roommates excitedly opening trading accounts and sharing great news on their profits but somehow I never really had the courage to get on there and do it.

Was it a fear of the failure?


Those days, I used to hear of friends and classmates also losing a lot of money there. Of course, it would have been because of their carelessness but still.

I had a minimum allowance for myself and I was more steeped into academics than working part-time and I knew that if I diverted my attention to getting more money, I would lose steam in my academic pursuits.

This regret has stated:

Two years ago, I had the luck to open a trading account and even though the stint was a temporary one I made great profits. I took to trading like a pro. This surprised me because I had hardly ever tried my hand at it. I used the demo account to learn the rules in detail and that is when my call came from the foreign university where I had applied.

Only a couple of months ago, I began trading again:

I felt it all coming back to me. I was so happy trading that I knew in my heart that I had missed it. I regularly trade now and I have been able to consistently profit thanks to this wonderful software that I am a trader on.

I have the option of switching on to the automatic trading mode in case I am busy:

I like to manually trade for the high that it gives me on the time that I spend analyzing each trading signal that is generated by the software on my account but I am also aware of the fact that it is important to sometimes lay back and to relax while the Autobot takes over for a few minutes.

The auto trading is a learning experience in itself!

The way the trading robot analyses the trade signal can give a lot of insight into trading. I have maintained a diary where I note down all the prominent wins and the analysis that I can wind around it. It has become me go-to sort of place in case of any doubts about how to tackle any given trade signal.

I am enjoying my trading stint.

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Various Benefits Of Job And Owning A Business

Various Benefits Of Job And Owning A Business

Business or Job, everyone comes to a point where you have to choose amongst having a routine job or owning a business. Job and business are two totally different professions to choose from and has its own benefits and risks. This article focuses on the benefits of working in a routine job and owning a business.

Advantages of having a business:

1) Be your own boss: Having a business means you can be your own boss and work as per your choice. You have the freedom to work as per your schedule and not follow timings set by someone else. You can work as much as you want and at your own pace instead of following deadlines set by others. Business can be as simple as trading online using one of these robots at the comfort of your home or can be a huge multi-million business that requires you to travel frequently.

2) Security: Job often comes with the risk of unemployment when least expected, but business provides you a security where no one can fire you. You can work in the business tension free without worrying about getting fired one day.

3) Exposure: Working for a job usually involves completing the assigned tasks. But owning a business needs you to accomplish a lot of things, there are many steps and procedures involved. Owning a business can provide you with huge exposure to various domains and levels of business management.

Advantages of working in a Job:

1) Stable Income: When you are working in a routine job you get a stable and fixed income at the end of the month, while business can be risky and you cannot guarantee a fixed income. Sometimes you might have huge profit while other times there is not much benefit in a business. A job also provides other benefits like insurance, gratuity and retirement pension. A job can also offer a few paid leaves and other holidays.

2) Group and Teamwork: When you are working for a company you are usually part of a team where you get a lot of opportunities to perform different roles. You have a support team in case you have trouble performing a task and hence you are not stressed to work on your own. You can reach higher levels based on your performance.

3) Fixed working hours: A routine job usually has a fixed schedule of office timing and it is rare that you have to work beyond that. This way you can find a perfect work-life balance and spend your free time to pursue your passion or spend time with your family.

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Real World Examples Of Use Of Blockchain

Real World Examples Of Use Of Blockchain

Everyone knows about the Blockchain technology because of its use in the Cryptocurrencies. The Blockchain technology is one of the biggest reasons behind the popularity and convenience of the virtual currencies. The blockchain is a digital, decentralized and shared public ledger that is used to log all the cryptocurrency transactions. The blockchain does not need any intermediate financial authority like banks or clearing houses to verify these transactions. In simple terms, the blockchain technology is used to transfer funds or log the information. This amazing technology is not just limited to cryptocurrency but has proved its use in many other sectors as the government sectors, media, healthcare, food industry and many more. Blockchain technology is the foremost reason behind the easy transactions in cryptocurrencies. Read more about cryptocurrency trading here.

In this article, we will focus on the use of Blockchain technology in industries other than the cryptocurrencies.

1) Supply Chains: The blockchain can be used especially to monitor the supply chain activities. By eliminating the use of paper-based tracking methods the businesses can make use of the blockchains to notify disorganizations in the supply chains faster. The blockchain technology can also be used to track the performance of products regarding the quality control while traveling from their production place to the retailers.

2) Digital IDs: Nowadays many places make use of face identity to provide access to the premises. There are many challenges in this process and leading companies are looking into resolving these issues. These leading companies are making use of the blockchain technology to create a decentralized digital ID to provide a way for users to control their digital uniqueness. Though these projects are still in the initial phase, if implemented will help many users.

3) Royalty and Copyright protection: Every day we hear about ownership and copyright laws, with the increase in the use of the internet the piracy issues have become very common. The blockchain technology can play a significant role in copyright and royalty protection by monitoring the digital content downloads, making sure the inventor of the content get his fair share of legal purchases. The blockchain technology can offer genuine and real-time distribution of royalties directly to inventors.

4) Healthcare: Any improvement in the healthcare system is going to benefit many individuals at a time. Many companies are working on the blockchain technology to put information about disease outbreaks by adding its data to the Disease Control Centre. It will help in providing faster disaster relief effectively. The blockchain technology can also be used to keep track of patient’s progress once they are discharged from the hospital.

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Steps To Put Your Money In Business

Steps To Put Your Money In Business

A business no matter how big or small it needs funds for a lot of things. To start a business you need the raw material, a place for production like a factory or office, you need to hire people to manage the business, you need money to advertise your business and many other things. This funding can either come through various business loans or you can put your own personal finances in it. Here are a few pointers to keep in mind if you choose to put your own money in the business.

1) Separate Accounts: When you are putting your money in the business make sure you have a separate account for your business. Having a separate account defines a legal entity for liabilities and protects the business owners in case the business doesn’t work out as expected. Having separate bank accounts also makes it easy to manage the amount you put into your business. Personal accounts can also help to keep track of other investments. Check this site to know more about easy trading options.

2) Loan or Equity: You can put your money in the business as a loan or equity. The way you record every transaction between your personal and business account will decide how you are expected to get your money back from the business. Equity means you are putting the money as a future investment and that the business does not owe you anything. It is important to record each transaction in order to avoid any legal consequences.

3) Balance both accounts: Whenever you put an amount from your personal account to your business account make sure that both the accounts have a respective entry. Debit your personal account for the amount transferred and credit the business account at the same time.

4) Check the tax process: If you are the sole business owner both your private and as well as your business account belongs to you. But the tax deduction of both these accounts will be totally different. You will have to make each transaction that happens in both of these accounts so that the tax can be calculated on each account accordingly.

5) Understand the risks: Business involves a lot of risks, so when you are putting your own money in the business you are not sure if you will get it back. You need to understand the risks involved in the business and must have a plan to handle both these accounts in case you suffer losses.

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What will you do with your tax refunds?

What will you do with your tax refunds?

How many times did you wish you had some extra cash to spare? The middle-income families are always looking for that extra cushion that will give them some respite from the increasing expenses. Most of them look forward to this time of the year when they get hefty tax refunds. Apparently, the average tax refund is around $3000 according to CNN money report. That is a large amount that should not be wasted on wishful and often unwarranted expenditure.

Here are a few effective tips to spend your refund wisely:

  1. The ideal way to use extra money is to invest it in some saving scheme. You can open a new bank account or even in short-term If you need help there are currently several apps that help you with investments as low as $5. You can link the app to your bank account so that the extra income is automatically transferred to the saving account. You can also make a one-time investment and keep track of the interest accrued.
  2. Investing in real estate is a safe bet. There are several types of real estate investments like the commercial real estate, residential real estate, industrial real estate and so on. REIT or real estate investment trusts are another attractive options to invest your money. The biggest advantage with REIT is that it can be sold in all major exchanges and it also has tax benefits. Liquidity associated with this option is another added benefit.
  3. Down payment for a new home is never easy because the lack of funds is the biggest hurdle to your dream home. You can save this amount to lessen your financial burden when you finally buy your new home. You can also use the extra cash to clear outstanding debts, credit card payments, and mortgage payments.
  4. Unexpected expenses come in various forms and you must be prepared. What better way to do it than to build an emergency fund. Stash away the extra income for those rainy days.
  5. One popular thing that people are currently doing is to invest in the automated trading robot. Some genuine and reliable robots like the Ethereum Code promise decent returns. But be wary of scam sites and protect your hard-earned money.
  6. One key area that individuals often neglect in self-development. Only when you take care of yourself can you remain more productive and earn more. Invest in courses that will help you grow professionally and on the personal front.


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Importance Of Employees In A Company

Importance Of Employees In A Company

Employees are the main key for any business. Because without employees, we will find it difficult to run a company. So, it is the duty of the business owners to treat the employees well and also make them satisfied in everything so that they will give their best and hard work in the things they do for the business. When a business runs without employees, then the business owner will make much stress and burden of handling everything. So, try to select the resources with efficient knowledge and the capability to make the business to achieve its goals.

Employee-an asset:

The employees are the most important assets for an organization. They are the ones who will bring up the organization to the next level and also grab the top position in the market among the competitors. The main responsibility of the business owner is to treat the employees in a well-disciplined manner because they are the main part of the business. Without them and their hard work, the business owner will be nothing. So, the business owners should always make them happy and motivated. When the employees are given an increment or incentive, they will be more satisfied and have the intention to work harder and make the company yield great profits.


When the company has a perfect relationship bond with the employees, the employees will definitely treat it as their own company and will work more and more. But when it fails to treat them well, they will feel very bad for the performance they gave for the development of the company. So, the businessmen should always try to have a respectful relationship with their employees to make them happy while they work for the company.

When the businessman wants to reach greater heights in the market, they should select the valuable employees to their concern. Because the development of the company will be possible only with the help of the excellent employees. So, try to make them motivated and give them the freedom to think and execute whatever they want to do for the company.


Thus come to the conclusion that the employees are the pillar of support for any type of organization and without their help, the companies can not run successfully. So, as a business owner, always be the best in selecting the employees for the future development of the company. There are some rules and regulations in recruiting the employees. The owners can even get some tips from the human resources department.



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Types Of Bond: 7 Types Of Bond Explained

Types Of Bond: 7 Types Of Bond Explained

What is a bond?

In finance, the bond is called as an instrument of fixed income security created to raise the capital. It is a loan agreement between the issuer and the investor of the bond, where the specified amount should be paid by the issuer at the specific dates. To raise the money and the number of projects and activities municipalities, companies, state and the sovereign government use the bonds.

Characteristics of bond

1)Face value is the main characteristics of the bond and it is called the money amount at the maturity of the bond and the reference amount of the calculating interest payments.

2)The coupon rate is the interest rate of the bond will be paid by the issuer of the bond on the face value. It is expressed as a percentage.

3)Coupon dates are the payment of the interest by the bond issuer on the particular dates.

4)The maturity date is considered to be a date where the bond issuer pays the face value of the bond to the bondholder.

7 main issuer types of bonds you need to know.

1) Treasury bonds

It is a finance issued by the federal government to the budget deficits and it is free from the credit risk. The income is found to be always low economically considered to be a high yielding bond. It is free from the state income taxes.

2) Other U.S government bonds

These bonds are also called as agency bonds issued by federal agencies. Credit risk is found to be minimal and therefore this yields higher than the Treasury bond.  At federal and state levels, the interest on the bond is found to be taxable.

3) The investment made corporate bonds

They are the strong balance sheets issued by the companies or the financial vehicles. They carry at least the ratings of the triple B. the yield of this bond is high compared to the treasury and the agency bonds. But the performance is found to be lower than the Treasury bond.

4) High yield bonds

They are the weak balance sheets issued by the companies and the financial vehicles. The ratings are below the triple B. High yield in price is to the health of corporate bonds.

5)Foreign bonds

According to Lipper securities are dollar-denominated and this bond has a foreign currency of one-third of its assets.

6) Mortgage-backed bonds

The face value for this bond is $25,000, higher than the other types of bonds.

7) Municipal bonds

It is often called as the munis, issued by the U.S and local governments or other agencies. It is classified under the investment grade and high yielding varieties. Tax-free interest.































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Importance Of Finance Department

Importance Of Finance Department

The finance department is the most important department for an organization whether it may be large or small and also the business. Because the finance department is the only one which is responsible for maintaining the salary accounts and also managing the profit and loss. The finance department is like the backbone of every business and without it, it is hard to run a business successfully.

  • Planning and budgeting:

Finance will make a plan and build-up a budget for the business as without perfect planning, nothing can be done. Usually, there will be some members who will make a plan and the other set of members will execute it in a right manner.

  • Managing the cash:

The overall fund of the company will be managed by the financial officers and they will take some steps to save the funds for the future use. They will think the ways of investing the money the company earned and will double it by using their creative minds.

  • Risks:

The financial managers are the ones who will support the businessmen to manage the risks and how to get rid of the common risks which will usually occur in the business and they will suggest ways to face the risks without any fear.

  • Capital management:

The most important responsibility of a financial officer is to manage the capital amount and they will think about investing or to get a loan from the lenders. So they are the ones who will decide about the capital amount based on the plan they created.

  • Profit plan:

Every businessman wants to get a profitable return out of their businesses which they run. But the main goal of a finance manager is to make a plan of the ways to improve the profitability of the business or the company. They will think the positive ways to increase the productivity and sales of the company and thus yield a great profitable return. Because only when the company earns a great profit, then only it can increase the salaries of the employees and once when the employees are satisfied with their hikes, they will get motivated and start giving out their best. Automatically, the productivity will get increased. So, selecting the right finance officer is the main thing for every business.


Thus come to the conclusion that the finance department is the role model for the other departments in a company. So, for every company, there should be great and hardworking people in the department of finance. This will definitely bring up the business in another level.

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Multi-sig in Ethereum network

Multi-sig in Ethereum network

The person dealing in the crypto world, multi-sig is a common term for him. The multisig wallet in the Ethereum network is used to secure token, ether stored in the wallet of an individual. This technology was deployed to save the person from hackers and ease his tension if he loses his private key.

The crazy part of multisig wallet that will leave you puzzled is it can be used on the normal wallet, but before getting further deeper into multi-sig wallet lets understand the basics of it. To use a multi-sig wallet certain number of people is required to make it happen and the group should abide by the set of rules before it starts to operate. The rules like how to accept either or how to submit a request, why to agree to a request etc. in lay man’s word we can say multi sig wallet is like a joint bank account which required signatures of account holders to withdraw the amount.

To make the above statement more clear we can take an example of three-person who shares their fund. The first thing they should do is to deploy a smart wallet with all three of them. Once they have the smart wallet or multi-sig wallet they can start using it as a normal electronic wallet that can be used to receive either from any other ether address. For every Ethereum transaction, it is essential to it is to be sent i.e., the Ethereum address and the amount that has to be sent.

The multisig wallets work in combination with smart contracts for the easy flow of the fund and provide security to it while interacting with other smart contracts. They are known as multi-sig as they require cryptographic consent from multiple authorities to validate the transaction. These authorities can be a single individual or multiple individuals, it can also be a hardware wallet or a cold wallet or even a third party. It can also be a permutation and combination of above-said wallets.

Multisig wallets work diligently towards the security of the funds, utmost care should be taken while transferring the big amount. The multi-sig wallet should maintain a good standard to store a large number of cryptocurrency. The multi-sig wallet should be user-friendly and secure as much as possible so that it can be used by anyone on the Ethereum network to secure their transaction even against a single point of failure. Please click on the link find out more to know more about multi-sig.

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