Month: September 2018

The Best Tips Saving Money for a Mortgage Deposit

No one wants to rent a home forever and paying monthly and weekly rents all the time. We did all prefer to have our homes and put a stop to those rents. However, it is not that easy. Getting your hands on your home requires you to save up for the mortgage deposit and that very thought makes you want to procrastinate the thought of owning your own property.

Nevertheless, experience teaches us never to put off the necessities. Hence, rather than avoiding getting your home, why not save money for that mortgage deposit and here is how it can be done.

  1. Cut down on the current rent – Once you have decided to save for the mortgage deposit, you can cut down the amount you spend on your rents. Moving in back with your parents for a short while, moving to an apartment that charges you lower rents, and being comfortable to rent on a sharing basis are some of the ways by which you can cut down the present rental.
  2. Set aside a fixed amount from your income in the beginning – Although many of us feel that we will save towards the end of the month, it is one thing that never happens. Always keep aside some part of your income for the deposit as soon as you receive your salary.
  3. Allow your money to roll for you – Saving some amount might not add up the big figure. Hence, what you can do is to invest your savings in other means such that at the end you will earn a bigger amount. For instance, you can start a recurring deposit or invest in safe stocks, etc. Such options will automatically add to your savings in the form of interests and dividends.
  4. Plan your expenses – You should also start budgeting your expenses in order to save money. Keeping track of every credit and debit source will help you to budget your finances better.

Research – You should also look out for different options relating to your property and find out ways on how you can end up saving more. Check out Build Search where they help you in getting cheaper quotes on the property.…

The Best 9 Tricks for Successful Forex Trading

When you decide to start trading in forex the first thing to do is to ensure that you pick your favorite currency pair and start studying its behavior. Here are a few things to do to improve your chances of being successful as a forex trader –

  1. Find a reliable source of information and learn more about the various strategies to adopt in forex trading. Even the most experienced traders always have so much more to learn as the market is continuously changing.
  2. Find a suitable trading style that would work for your budget and the time you have at hand.
  3. Identify a broker you can trust. There are online trading platforms that connect you with brokers online. This can help you save a lot of time.
  4. Have a risk management strategy. Whether you make profits or not, avoiding losses should be your prime concern right from the beginning. This can be achieved by establishing a good stop loss strategy and a strong exit strategy.
  5. Stick with your budget and avoid taking any emotional decisions as a trader. Emotional mistakes are the number one cause for major losses in trading.
  6. It is alright to stick with just a handful of currencies in the beginning. People might keep asking you to diversify your portfolio. But having too many currencies to follow would require too much time. In the early stages, it is a good idea to stick with just a few currencies and thoroughly understand how the forex market works.
  7. Only pick those currencies and strategies that you can fully understand.
  8. Look for reliable social signals which can be of great help especially as a beginner. This allows you to learn from the methods of the experts.
  9. Automation of certain tasks like placing the order can be of great help. The time saved in this process can be used to strengthen your knowledge in this area.

Tax Advantages Of Leasing A Van

A small van lease does not cost you a lot of money. You can easily arrange the money for the lease as the cost of leasing is spread through the entire term of the contract. All that you need to do is to give a deposit and this is again not a very big amount.

The leasing company takes care of the maintenance and thus lets you save on a lot of costs. There are some lease agreements that also let you buy the vehicle if you wish to.

Tax benefits when you lease the van

The benefit of leasing the van lets you enjoy 100% VAT back in case your businessisVAT registered. This is if the van that you buy will be used only for business purposes.

You can also claim the tax benefit of the rental that you pay towards the van. This can be claimed when you file the tax return and turn helps you to save on tax. The rental payment is thus an expense that is tax deductible.

Leasing a van for your business

When you plan to buy a van for your business needs, then this brings in a number of benefits to you. You will, however, have to buy it straightway or you could fund the purchase by taking a loan.

Leaving, however, is when you can still use the van without technically owning it. You will just be renting the services of the van and this is against a fee that you give to the owner of the van.

There are many benefits to both ways of operating a van. Knowing the pros and cons of each method lets you take a more informed decision. Neither option is better than the other. All that matters is what fits your individual needs.

7 Big Financial Technology Trends for 2018

Financial technology has evolved over the years and the year 2018 definitely can be cited as a crucial year for fintech. Here are some of the biggest fintech trends of 2018 –

  1. Cryptocurrencies – ICOs in particular

Investing in ICOs or initial coin offerings, the ones that have a great idea and a reliable team behind them can turn out to be a profitable decision. For earning better credits ico reviews online can be of great help.

  1. Investments in Blockchain

Blockchain has been identified as a worthy investment for businesses big and small and there are huge investments being made on this technology.

  1. AI in finance

The finance sector is exploring the many possibilities of using AI or artificial intelligence in its various forms.

  1. Regulations

There have been several new regulations imposed in order to streamline the growth of fintech trends.

  1. A spike in fintech startups

There have been numerous new fintech startups in the recent times. Firms with a great fintech idea can easily make great progress given the increasing demand.

  1. Banking sector accepting digital transactions

Digital transactions are known to be quicker and more convenient. They also make it easy to identify and track every transaction that occurs and prevent frauds. Now with the increase in the security measures, the banking sector has outgrown the phase of skepticism and has started accepting the approach of going digital.

  1. Bot advisors

Using bots for financial advice is a trend that is heating up. There are numerous financial institutions that have deployed financial advisor bots. There are some that have also implemented hybrid systems with both human and bots providing the most relevant financial advice.

The role of technology in the finance sector has been more towards improving the convenience for the users and also improves the security.

Let’s Talk About Money: The Ultimate Finance Guide

Most people out there like to put all their money into their savings account and be done with it. But, little do they know, that they are actually losing money in the process. The savings bank account interest will always be lower, than the amount of inflation that the whole world is facing nowadays. So, if you look it that way, you’re not utilizing the full potential of your money or savings. Therefore, the following are some of the best tips to manage your money and also see it grow too as well.

Guide To Manage Your Finance In The Best Way Possible


Managing Debt


Debt is not always a bad thing, but proper management of debt is very much required. The best way to manage your debt is first sorting out the amount of money you owe. This can be in form of credits cards or loans.

The first thing to keep in mind that, if you have some money pending on your credit card, always make sure to pay it off first. Never just pay the minimum on your credit card, and try to pay off more in the process. When it comes to loans and EMIs, it should be kept in mind, to maintain a balance between the amount and the overall tenure is important. The more the tenure, the more interest you’ll be paying. So, be sure to keep that in mind.

Opting For Health And Life Insurances


Whether you’re single or married or have dependents, i.e. old father and mother, upon you – insurances are very much essential in one’s life. For example, health insurances help you to meet the cost of hospitalization, medicines, etc. in case of emergencies. And life insurances provide a helping hand to your family, in case any kind of mishap happens in your life. Utilizing your money in the best way possible, to deal with family affairs like these, is always recommended.

Making The Right Investments


Investments come in all types of shapes and sizes. There can be short, medium or even large investments. Therefore, you have to first access what kind of investment you want to go about, and the kind of risk that you’re planning to take in.

For example, if you want a low amount of risk, you can opt for Fixed Deposits or Debt Mutual Funds. But, if you’re good with taking risks, you can opt for equity-linked mutual funds or the stock market. In either way, your money’s potential would be utilized fully. You can even make investments on luxury yachts, and thus find heaven at

How Much Money Do You Need To Be Happy?

This is more of a rhetorical question since no-one can really figure out the amount of money that can make him or her happy. We will always have one thing or the other that we aspire for since there is no end to aspirations and money will always seem limited. Therefore, an understanding of finances will teach you that you can never have enough money but you can at least plan your innings in a way so that you will always have a healthy bank balance to feel safe and secure about.

Find a career that pays

This is where the money comes from. Ensure that you have a career that does justice to your efforts and hard work. This will make you happy and will also keep the cash flowing in.

Buy with liquid cash

You might need to save a lot more than you had thought but when you ultimately buy something from lp i.e. love with the money you saved, it will surely make you very happy. This is why it is recommended that you buy thing with liquid cash and use your credit card as less as possible.

Debt payment plan

Have a plan to repay your debt so that everything is paid off before you near your retirement years. This is to ensure that there is no extra burden on you while you are about to retire and your fixed source of income is absent.

Retirement fund

This is the money that will genuinely make you happy in your later years. When we have a fixed source of income in service, it hardly feels as important but when you retire, you feel the value of money every time an expenditure is about to happen. Set aside an amount of money regularly while working so that it adds up for a retirement fund so that you continue to remain financially independent.…