The Best Financing Options For Consumers

There are many ways in which a consumer’s purchasing power can be boosted to have value without many risks. There are different providers that offered different instant credit that can be used as they shop at different stores. In some cases, customers are allowed to get a loan and then pay in installments over a period of time that is predetermined.

Financing without risks is something that most people are interested in. Customers can enjoy pay later options in a secure and safe way. It is a risk-free kind of arrangement for both the buyer and the seller. It is important to accept the fact that most shoppers would not make purchases without financing available. The value of orders goes up incredibly with financing.

In the past, only the big retailers got financing, but advancement in payment methods has made it possible for all kinds of businesses to offer consumers great financing options at costs that are affordable. There are some things that you should keep in mind before settling for a provider and they include:

Impact on the consumers

Price is a big determinant whether a customer makes a purchase or not. When a lump sum is broken down into installments, then it becomes more palatable. The behavior can be leveraged when you show the monthly financing available alongside the purchase price to show the buyer that he could very well fit the item into his or her budget.

The interest that is charged is also something that many people will think about. There are different terms of payments regarding how often they will make charges. Other things considered are the use of credit cards, flat fees, and so on. It is important to deal with a provider who offers rates that are favorable.

Ease

One of the things that the people look out for is how easy it is to make an application. There are options where you have to fill out pages of paperwork and can take many days to complete. Some only require very little information and only some minutes to approve.

This kind of financing is aimed at increasing your sales and therefore the application should not be made complicated. If it takes too long, then most people will just give up and try to purchase somewhere else.

Most of the financing options also require the buyers to have smartphones where they can get authentication codes. Though it is a minor step, there is the assumption that everyone has a smartphone. It is therefore important to ensure that your buyers can use the option easily depending on the target group.

Flexibility in branding and marketing

When you are planning to offer to finance your clients, it should fit very well on the website as well as an online store. Consider marketing flexibility as well as branding that is offered by the different companies.

You need a provider who offers flexibility that allows you to white label the option. This means that you can brand the option as if it were your own. When you change the message, then the buyers will feel confident taking it from you instead of a third party. This allows the finance option to fit with the brand and image.

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5.5 Steps on How to Save for Your Big Play

What is the Big Play? The big play is that investment that gets you excited and it’s a little scary. It’s almost a sure thing when you pull the trigger. Now by saying a sure thing I mean you did the proper research on your investment. You know the risk and the reward. You have contingency plans on how to protect your investment and you are not speculating or gambling.

The problem with the big play is that most people don’t prepare for it. They do not have the funds or access to the financial resources for the big deal. The deal of a lifetime happens every week for those who can act on it. Deals are like money. They go to the people who pay the most attention to it. Are you ready to save for Your Big Play?

Playing Too Small

People are playing too small. They never invest enough for the big payoff. When you invest pennies and nickels you usually get a return of pennies and nickels. Small investment = small return. Large investment = big payoff.

“People never create wealth because they never invest enough in a deal to get a big payoff”. – Grant Cardone

People don’t create wealth because they don’t invest large enough into a deal to get a huge payoff. Creating wealth requires a surplus of cash and confidence. Sure you can create wealth over a long period of time with small consistent investments. You have seen the graphs of how your money can grow with compound interest. But I am talking about creating wealth now.

$100k Your First Target

Grant Cardone says you should save $100k before you make your first big play investment. Now he is not set in stone on that figure but that is a target most people can achieve with discipline.

Furthermore, to save that much you have to find ways to increase your income and it gives you time to study income-producing investments. Also with that time and discipline, other opportunities will open up for you.

5.5 Steps to Saving for your Big Play

1. Write Out Your Plan – Money gets bored and goes to the person who pays attention to it. Write out a plan on why you are saving for your big play and what you will invest in. If you don’t have an investment idea yet that is OK. It’s important that you make a commitment on paper that this money is for wealth creation only.

Money with no plans magically vanishes. You have experienced this before. Whenever you had extra money lying around it went quickly. The pizza man got it, you had to go to the new restaurant, a family member was suddenly in need, the kids needed stuff, and well… life just happened. Commit in writing how the money will be used.

2. Increase your income – You will never get wealthy without increasing your income. People miss this point. They start to save, cut back on their expenses, and pay off their debt. But they never intentionally increase their current income. Dave Ramsey, the creator of Financial Peace University says, “Income is your key to wealth”. The more you can increase your current income the more you can save.

Look for opportunities to increase your income at your current job. Can you generate more tips? Are their bonuses you are missing out on? Can you perform other duties? Could you bring in more customers? Is overtime available? Can you get paid on referrals? How about getting a second job?

3. Cut Expenses – Another way to create surpluses of cash is to come up with a monthly budget and cut all the expense that is holding you back. Go through your monthly bank and credit card statements. There is crap on there that you didn’t need to buy. Cut back to the bare minimum. Don’t go into any more debt. Certainly, if your spending is out of control. Go get help. Understand there is hidden money in your monthly spending. Go get it.

4. Open Up A Sacred Account – This is an important step. Open up a high-interest savings account. This is the start of your savings plan. I recommend an online bank with a limited number of transactions per month. Importantly, an account where it takes a couple of days to get your money. Limited access will curb your impulses.

Give your sacred accounts names also. This makes it real and personal. I call my sacred accounts The Big Play, The Big Dividend, and Sweet Jesus. These accounts are sacred. You don’t ruin sacred ground. Once your money goes in that’s where it stays until you are ready to invest.

Understand emergencies happen. The temptation will entice you to dip into your sacred accounts. Opportunities will arise that will be calling for your money. This is why you have a written plan to keep you on point. Don’t dip into your sacred accounts. They are off limits.

5. Decide on how much you will save each month – I teach my students to come up with a monthly budget that they can live upon. Then we put all the extra money into those sacred accounts. We Save It All. Income spikes, income surges, raises, bonuses, and extra windfalls. Save It All! This is not the time to buy shiny objects.

Increased income goes into the sacred accounts too. This is why you have created a budget. All the extra money from eliminating spending and increased income will grow quickly. I have seen students who cut $1k a month from their spending and add it to their sacred accounts.

5.5 Earn and Learn – IDEA + HARD WORK x TIME + DISCIPLINE = SUCCESS. This is the success formula. Use it to build your sacred accounts for your Big Play. Learn while you earn. Study investments, read books, go to seminars, and prepare yourself for Your Big Play.

Charles Fitzgerald Butler, is an author, entrepreneur, and expert in internet marketing. Charles has a passion for helping people start and run successful home businesses. You can partner with Charles and start building multiple income streams from your home. Charles’ goal is to help all who partner with him achieve cash flow and profits from their business.

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How Meta Tags Influence SEO and Website Ranking

Why Business Owners Need to Go Beyond Just Adding Content to a Web or Blog Page
If your business has a website (of which I hope so!), then it’s important to think beyond just writing keyword rich copy for the page. It’s also vital to utilize the catalog of Meta tags available that can be associated with that page in order to get better traction in the search engines.

One of the parts of good SEO (Search Engine Optimization) techniques includes HTML Meta tags. Thankfully, you don’t need to be a programmer to learn the basics of Meta tag relevancy and how you can use them to draw your ideal client in to visit your site.

Unlike the early stages of search engines, adding relevant keyword meta tags won’t rank your website higher up the search results anymore. However, Meta tags are a great way for business owners to provide search engines, and their users, with information about their website.

But when used incorrectly, the negative impacts can be detrimental to your business.

Simply put: Tags, by definition, are snippets of text that describe a page’s content but they don’t appear on the actual website itself, they only appear in the pages’ HTML code.

In this article, I’ll cover the six different types of meta tags and why you need to pay attention to them for all pages on your website, including blog posts.

1. Meta Keywords Attribute (Aka. Keywords Meta Tag)

Usually, a good keyword meta tag is a list of 10-15 essential ideas related to your web page. They should be based on a specific theme or topic of discussion on any particular page or post on your site.

As mentioned, the “keywords” meta tag was once crucial in the early stages of search engines. In modern times, however, Microsoft’s Bing is the only search engine that still looks at these keywords. Bing also uses keywords to detect spam.

Since some search engines still these tags in their algorithm, we recommend adding them anyway despite many SEO experts saying not to bother.

2. The Title Tag

A title tag, on the other hand, is the most important title tag to use on a web page and blog article.

Each page should have a unique title tag that specifically describes the content on that web page.

You will always find the title tags of each web page at the top of your browser, giving the viewer direction as to where they are and more importantly, gives the search engines a primary look into what that page is about.

Ideally, you want to use keywords in the title tag but in a way that makes sense to the reader in efforts to draw them in and want to click to continue reading the piece.

3. The H1 and Other Heading Tags

These tags are also important. The search engines will look at these as indicators of context.

In terms of on-site SEO, header tags are certainly here to stay-it has been demonstrated that careful optimization can lead to major ranking increases.

Use heading tags as a means to help organize your page or article:

• H1 tag: What is this page about?

• H2, H3, H4 tags: What is this section about?

4. Meta Description Attribute (AKA. Meta Description)

First and foremost, the Meta description is a short summary sentence that appears in the search result pages under the Page Title.

Often, the meta description information is what shows up in the SERPs (Search Engine Results’ Page) as the page’s description.

Even though Google had stated that keywords in meta descriptions have no impact on website rankings, they are still considered very important to many SEO leaders.

We feel that using relevant, well-researched keywords in targeted demographics & geographic regions can only benefit your website ranking.

Another reason to pay careful attention to the Meta description tag is your SERP sales pitch. Use this tag to describe your page in such a way that the user will want to click.

To make the description sound both applicable and sensible isn’t easy; hence, why, we are here to help!

5. Meta Robots Attribute

The meta robots attribute is a lesser known meta tag but nonetheless, ranks as the second important meta tag. These tags direct the search engines on what to do with your webpages:

• HTML code: index/noindex – whether to show your page in the SERPS or not

• Follow/nofollow- tells the engines what to do with the links on your pages, whether to trust and “follow” your links to the next pages, or not.

6. Blog Post Tags

Although not considered official Meta tags, blog post tags are very valuable to your site’s visitors and to search engines.

Much like in WordPress, tags can be used as “categories” next to every blog post to ensure visitors find the topics they want to read.

From a visitor’s stand point, blog post tags improve the usability of your website as they can identify specific post topics.

Ultimately, blog post tags categorize information on the web page and group them into topics, which in the end, will increase your site ranking.

At our company, we provide hassle-free SEO services that aid in your success of running your business.

Hiring a professional will avoid you from making costly mistakes.

A little mistake you make now could cause large problems for you in the eyes of the major search engines later.

Some examples include using your primary keyword too often or giving the images in your blog posts the wrong name. SEO mistakes like these can get your website penalized or maybe even blacklisted by Google.

If you don’t wish to take on the big task of search engine optimizing your website, give us a call. This is what we do every day and achieve incredible results for our happy clients.

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Bulletproof Plan For How to Rank in Local Search

Thanks for stopping by. Hopefully after reading this article you will know how to rank in local search, or at least have a good understanding of what it will take to have your business website perform well in the organic search results, as well as the maps listings.

Attaining good rankings in local search is pretty straight forward, and if you follow this plan there is no reason you cannot see major improvements in your rankings and traffic.

Before jumping into my local rankings steps, I want to point out that it is crucial to rank for your brand. If you try to start ranking for keywords that are related to your niche and city it will look unnatural and could cause some issues for you, so when implementing any SEO campaign, focus on securing your brand by building out as many social profiles as possible (200-300 is a good number). A great site to use to see what profiles to build is Knowem.com. You can use their list to build out the profiles yourself, or hire them or an SEO company to do it for you.

Another thing you MUST have in place before diving in is claiming your Google My Business Listing. Get your listing claimed and optimized (try to find info to do this yourself or outsource with a reputable SEO company) is crucial. I could write another entire article on optimizing that listing, but I will leave that for another day. Just get it claimed for sure, that is a must.

The being said, it’s time to get to the nuts and bolts regarding how to rank in local search. Here is a bulletproof plan of attack:

Local Directories – Great foundational links you can get pointing to your website will come from local directories. Your local Chamber of Commerce, and the BBB are a great place to start. Yes, these will paid links but they will go a long way and will help establish great trust to your website. Any other local business listing websites will also help tremendously, so locating them and getting a paid listing on those is a good idea. An easy way to find those is to search Google for city + tourism, or city + business listings and see what that turns up. Any local directory that is location specific will definitely help.

Citations – Citations are websites like Yelp, Manta, CitySearch, HotFrog, YP, and many others. These listings are vital to attaining good rankings in local search because they will continue to help establish trust to your website as well as help push your Google My Business listing up in the maps rankings. Win-Win. The links you get from these directories are called “nofollow”, meaning they don’t pas link juice, but they are great links to get from high domain authority sites and are a critical component for ranking success. There is no set number of citations you will need to push your listing up in the maps, some niches are tougher than others. Obviously getting in the top 3 for personal injury attorney in Chicago will be much harder than getting there for plumber in Des Moines. Use a tool that will help identify the top listings citations (like whitespark.ca) and get all of the same ones they have, and then some more. The key thing to understand when building citations is NAP, which stand for Name Address Phone #. On a text doc, copy and paste your NAP info directly from you Google My Business listing and make sure you input it exactly the same across every citation you build. Inconsistent NAP info is a killer in local SEO, so keep that in mind when building these out.

Video – Videos are another great way to get some fast traffic and rankings. Google is the #2 most used search engine in the world, and Google owns them, so creating a strong video presence is a good idea. Optimize your videos by placing your target keyword at the beginning of the title and say it in the video at least once, preferably right at the beginning. At the bottom of the video, place your NAP info and a link back to your website. These are also great links from a site (YouTube.com) that Google loves.

Blog Comments – Blog comments will likely not be enough on their own to get your website ranked, however, if used properly they can be a great way to get some relevant links pointing back to your website. The way to do this is to search Google like so – city and “leave a reply” or niche and “leave a reply” and make some comments on sites that come up. No need to use any keywords, you will get all of the relevance you need from the sites that come up using that search string. Just use your name, and leave a well thought out comment that is something useful the site owner will likely approve.

Press Releases – Used properly, press releases can be a great way to build authority, and diversify your link anchor text. Don’t skimp here, use a reputable site like PRWeb and use their premium press release package.

Reviews – Encourage your customers to leave reviews, especially on your Google listing as well as Facebook, Yelp etc. Reviews are crucial for ranking in the maps, especially in the tough niches so any way you can get people to leave reviews is worth exploring.

Target Long Tails – One thing many businesses do is overlook long tail keywords. They set their sights on the main ones, which happen to be toughest to rank for. Target some longer tail searches that get searched less because they will have less competition, meaning you can get ranked for them with less effort.

Get Social – Use sites like Facebook, Twitter, Instagram, Pinterest, and LinkedIn and be active. This is not going to get you ranked on your own but it is a good way to get your business out there. Drop your link to your website often when posting on these sites, it will encourage people to visit your website, and Google loves seeing traffic come in from those big social sites.
Other Factors
Other things you should consider is making sure you have a website that is mobile friendly, and check to see that it loads quickly. Both of these things are definite ranking signals, and are something your web designer should be able to handle.

Conclusion

I realize that this is a lot to take in. I also realize that it is a lot of work, but if you go the extra mile and do these things you will have a fantastic chance to rank really high in local search, and be that business that scoops up all of that traffic coming in from Google searches.

If you think you can take this on yourself you can save thousands of dollars a month that an SEO company would charge you, but I can tell you first hand it is time-consuming and tedious, and very important to get right. If it seems like an overwhelming undertaking, consider hiring a reputable SEO agency to do the work for you so you can focus on running your business.

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12 Magor Things You Need to Know About SEO

Studies show that over 90% of all on line customers use search engines like Google and Yahoo to locate what they may be seeking out, whether or not merchandise/services, or just plain antique facts.

The subsequent twelve factors will, I hope, summarize a philosophy, approach and technique to the SEO query that’s both sound and powerful, together with giving some useful insight into the industry itself.

1. Content. Content. Content.

Effective, expert, optimized copywriting is the single, most crucial aspect in any SEO campaign. SERPs index web sites based totally on the content material observed on every web page of the website online. With a thorough knowledge of the language and grammatical conventions blended with in depth research, to locate and make the most the marketplace recognition, you can pass a website to the higher echelon of the “SERP’s” (search engine results page) in a methodical in addition to ethical way.

2. Analyze internet logs.

Measure everything, at the least two times, and then test once more. Even as I’d be the first to say that among the strategies that make up website optimization are greater artwork than technology, one wishes to take a totally clinical approach to the effects of the effort. This is achieved by way of methodically preserving a report of, and making an analysis of the websites web logs. There are a number of specialised software which make the task easier however at the naked minimal, one wishes to hold a near eye at the site traffic and their interest while at the site. No matter how well planned the approach, it is essentially theoretical until tested via the effects, which could only be measured via the logs, and a thorough analysis of their content.

3. No one can assure a #1 ranking on Google, or another search engine.

People who promise such feats will both optimize for such vague search time period terms (along with, “green stunted widgets with red polka-dots and icing”) that nobody will ever likely look for, or they are making a false declare, which they don’t have any purpose of keeping, or they’ve an inside aspect at Google, something which they may free, fast, whilst the sincere parents at Google find out about it. The alternative option, that they will take the money and run, is worth bringing up here but I will be polite.

4. Some matters are simply undeniable silly.

You do not want to submit your web site to 50,000 search engines. Corporations which give this carrier are suspect, at pleasant. Eighty five% of the hunt effects at the internet come from one seek engine, which, when you have one link from an established website, or better yet, a listing, will discover your website just satisfactory, on it’s own. 4 (4) search engines like Google and yahoo account for over 90% of the site visitors at the web. As for any supposed gain which may additionally accrue from being indexed in an obscure seek engine in Botswana which makes a speciality of safaris to the Kalahari Desert and gets 7 hits per day; nicely, you determine it out.

5. Search engine optimization isn’t pay Per click.

At the same time as nobody could argue the effectiveness of getting increased visitors and sales, through a properly deliberate, pay-in step with-click on marketing campaign, the fact stays that the conversion fees are commonly low and they end the instant the “pay” stops. With a well deliberate and achieved SEO campaign, at the same time as outcomes may additionally take a bit longer, they continue to produce, and in reality grow, long after the work is done and paid for. Pretty regularly we’ve observed that after a thorough optimization of a domain, only minor changes are wanted on an ongoing foundation, typically associated with new content material and/or new gadgets of sale or carrier.

6. Search engine optimization isn’t witchcraft, druidism, shamanism.

Neither does it require any special chants, ceremonial fires, or vestments, though some of us do want to howl at the full moon, every so often. There are no “top secret” practices which a good search engine optimization can not inform a client, a judge, or his mother, for that count number. The very nature of the net has usually been cooperative and there may be nothing about search engine optimization that can’t be learned, with a heavy dose of time and money. A reputable SEO company will provide you with an object per item breakdown of simply where the money is going. Be wary in case you experience a secretive environment or any unwillingness to reply questions. Whilst there are technical points which might take some historical past to absolutely apprehend, if one has a stable evaluate of the complete state of affairs, a simple rationalization need to be smooth sufficient to give you.

7. Do-it-your self SEO.

Yes, you may execute your very own search engine optimization campaign and discover a legit search engine optimization firm to assist plan and prepare it for you. About one 1/2 of my very own purchasers do a little a part of the actual work themselves, or have their in-house dedicated employees do it, after discussion of the dreams and aims of the enterprise/internet site, a radical website evaluation, complete search phrase studies, and targeted education at the methods and manner of achieving high engines like Google. Those preliminaries are observed up with an in depth program of hints and techniques which the client can then enforce themselves or rent others to carry out. Common financial savings; 30-forty%.

8. Phased implementation.

Whilst many businesses spend lots of greenbacks in line with month on search engine optimization, an opportunity is available so as to pay dividends to you in accelerated income and leads with out the high preliminary funding. The most essential consideration is to have a reputable firm deal with the preliminary evaluation and suggested optimization making plans first. The trial and mistakes approach will fee lots extra, in the end, without or with the favored result. After studying the plan and establishing a viable budget you could implement the plan as finances allow.

9. Bear in mind the vintage pronouncing, “if it sounds too desirable to be genuine, it possibly is.”

Never turned into this greater proper than inside the realm of SEO. At the same time as concrete and measurable profits will usually come from a well notion out and achieved optimization approach, the internet is a aggressive media and we all want to be number one. Be given that a steady upward movement, over the years, will location you worlds in advance of a flash accompanied with the aid of a crash.

10. A thought to ponder.

At stake, within the race for the top, is the very life of your internet site, your business, and pretty in all likelihood your recognition. Beware of any “shortcuts” or much less than moral schemes that anybody may advocate to in addition your business desires. When it is all said and done it’s miles you, the commercial enterprise owner, who bears the duty for any corporation or individual you hire. Insist on knowing precisely what the strategy is and what steps are being finished to implement it. If it appears, within the least, suspicious, ask for and get an explanation. In this case, now not simplest is lack of understanding now not bliss, it can very well be the start of the stop in your business.

11. All incoming links aren’t created the same.

A backlink is the bone of SEO, to build good backlink for site you need to know about Link Building Techniques. Each the relevance on your line of business and internet site subject matter and the pr price of the incoming link decide how precious they may be on your own pr ranking. With Google beginning the fashion, nothing new there, and maximum of the others following near behind, the days of grabbing all the inbound hyperlinks, in any way feasible, are long past. No longer most effective will low ranked and/or irrelevant inbound links not help, they will, in truth, reason a penalty. Link farms, loose-for-all link schemes, automated hyperlink accumulation software, or another fad that does not carefully screen the links and websites they’re coming from will, in the end, do extra harm than right.

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Benefits of Credit Card Machines for Business

Other than credit card machines, technology has produced many notable effects, including the credit card machine. In the 21st century, people open themselves up to technology from the very center of their being. It has the added benefit of leading to an increase in the use of credit and debit cards. Additionally, the coronavirus’ arrival has also contributed to the increased use of contactless transactions. EMV cards are replacing magistrate premium cards. EMV chip cards give you the ability to make contactless payments. The merchants must have advanced payment terminals to accept such payments.

Credit and debit cards are used almost exclusively in today’s business world. To take your business to the next level, you must associate it with a credit card machine. The processing and payment services you need for online sales include a merchant processor that provides you with an online payment gateway. There will always be online modes that people will prefer to use, regardless of the volume of transactions. As a result, you have to use an advanced piece of equipment, such as a credit card machine, in tandem with your business.

Advantages:

Just because we’re living in the 21st century, it’s impossible to conceive of life without modern technology. A large number of businessmen prefer to stick to established business models. However, sometimes you have to alter your plans according to the current situation. This means that you need to be one step ahead of everyone else in the business. You will lose customers otherwise. An establishment that gets access to a credit card machine will enjoy countless benefits. Listed the benefits; so, don’t miss the following:

Obtain Legal Recognition for Your Company:

Accepting card payments using digital payment terminals is a legitimate business practice, so it should help your company a lot. The card brand name will be printed on the POS, and thus the customers will have no problem noticing it. This logo will be featured on the same online marketplace as well. The greater the number of customers from outside the country, the more money you’ll make.

Increase Your Profitability:

To accept various forms of payment, like credit cards, Google Pay, Apple Pay, and more, use a credit card machine at your business. Creating a positive impression on your customers is quite simple, but it also keeps your customers loyal. A credit card machine, thus granting flexibility in the ecosystem of online payment, provides customers with many payment options, thus allowing them to pay bills in various ways.

How to stay ahead of the competition:

Many businessmen have not yet fully embraced digital equipment, making small-business models in the early stages of transition. To accept online payments, your business equipment must be upgraded. If customers are no longer carrying cash, you can outpace your competitors. Research has shown that when customers use their cards to make a purchase, they spend more. Additionally, because you will make a substantial profit from accepting card payments, it’s highly recommended that you do so.

Cash Flow Improving Measures:

The customers’ card payments get settled quickly when they pay with a card. Everything is done electronically, so you don’t have to go to the bank to deposit the money. Additionally, you don’t have to wait for customers to pay you. Your cash flow will thus improve.

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Are You Choosing the Right Stock Market Advisory Company

What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, when it comes to investing in the stock market for the first time, you require a knowledgeable advice to attain your financial goals and get profitable returns.

If you are a beginner, then it is quite obvious that you may be having no information about the process of buying the right shares in the market. In such a situation, getting the right tips from an experienced financial advisor or a registered advisory company will truly prove to be a great blessing in disguise. However, there are some of the important things that have to be kept in mind while choosing the top stock market advisory company, which are as follows:

How much assistance do you actually require?

Before you make up your mind to hire an advisor, it is imperative that you must first decide about the kind of service you require from them. You may need their help at the beginning or during the time of any issues. This is because an advisor has to formulate a map according to your requirements. Hence, it is suggested to ascertain your needs first and then take further action.

Choose a top ranked advisory company

It is a very important point that has to be taken into the consideration. Availing services of the well known advisory company or a financial advisor is an absolute necessity. Make it a point to carry out a proper background or research work about the company. Check out their credentials, reputation, experience, etc before hiring them.

Asking for a sample financial plan initially makes sense

When hiring a financial advisor, then do not forget to ask for sample plan first. It is imperative to note that there is no such thing called the perfect plan. A sample plan will help you to determine whether an advisory company is actually making sense according your requirements or not.

Conclusion

The financial planners or advisory companies can really turn out to be the greatest asset for you if you choose the best one. They are just like the professional sailors who can help you out to sail through stock investment related problems quite efficiently.

Deepak is a financial advisor who likes to provide quality tips to the people facing any issues with regard to investing in the stock market. He likes to keep himself updated about the stock market by reading articles, news and blogs, etc.

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5 Areas Where Interest Rates Matter!

Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I strongly believed, one benefits, by understanding, more about these, and how they affect, many things, in our lives! Whether, related to personal, organizational, and/ or, public finance/ spending, home ownership and related costs, credit – related issues, business matters, stock and bond pricing, etc, interest rates, truly, significantly, matter! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 of these areas, and how the cost – of – money, makes a significant difference.

1. Bond prices and interest rates: The price of a bond, generally, is inversely – related to interest rates! When these rates go down, prices, rise, and when they go up, the inverse occurs! Bonds have, what is known, as, a par – value, which is the price, paid, at the end of the term. Markets usually set these at 100, which represents $1,000 per bond, at maturity. However, during the period, the pricing can rise or fall, which impacts, liquidity – related issues!

2. Mortgage rates: For the last few years, we have been witnessing and experiencing, record – low, mortgage interest rates, which have helped the overall, real estate/ housing market, especially, in terms of, pricing increases! In most areas of this country, we are seeing, home prices, at their highest levels, ever, by a significant, dramatic amount! When this rate, is low, a home buyer is able to buy, more – house – for – his – bucks, because, his monthly payments, are so low! Consider, however, what might be the potential ramifications, and impacts, when these rates, will, inevitably, rise?

3. Consumer credit: Low costs of borrowing, help the automobile industry, in terms of consumer financing, etc! Although, not as much as other vehicles, rates on credit card debt, are lower, and there are often, shorter – term, promotions, offering deals! However, since, most of these are variable, and based, on some index, etc, what happens, when there is an increase, in this?

4. Business borrowing: Another area affected, is business cost of borrowing! Presently, they have had access, to relatively, cheap – money, which helps in reducing the costs of borrowing, overall operations, purchasing inventory, etc. But, what happens, when this, ticks – up?

5. Impacts on stock market prices: For some time, because bonds have paid so little, in terms of dividends, etc, many have considered, the stock market, the only game, in – town! In addition, many corporations, have seemed, better – off, than they probably are, and we have witnessed, a higher, ratio of prices to profits, than in the past! How long will this last? How high can it go?

Many factors impact these issues, especially: actual and/ or, perceived inflation; consumer confidence; politics/ government actions/ the Federal Reserve, etc. The more you know, and understand, hopefully, the better – prepared, you will be!

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Setrega – A Global Analytical Regulatory Platform

Setrega is the Global Regulatory Analytical Platform which provides a comprehensive solution to the financial institutions for complying with one or more Regulatory Authorities. Through highly customizable and end-to-end automation, Setrega helps clients to configure Reporting Data, Reporting API, Connecting/Integrating Settings, Report Generation Requirements, Report Validation Requirements, Report Submission Mode and Feedback Management. As a Global Regulatory Analytical Platform, Setrega is designed to integrate with any financial services firms to receive regulatory data and process them to regulatory reports in specific formats with minimum customization effort.

Currently, all financial institutions are facing problems with dynamic changes in regulatory requirements, implementation risks associated with regulatory reporting and managing regulatory report error handling. All financial institutions are forced to adapt to these challenges and continuously seek for solutions which are cost-effective and accurate, with real-time feedback management. Sensiple’s Setrega fits into this emerging environment by supporting multiple Regulatory Authorities with an end-to-end automated solution.

Regulation Complied Preconfigured – ESMA – MIFIR/MiFID II, Monetary Authority of Singapore (MAS), Superintendencia Financiera de Colombia (SFC) etc.,
Significant benefits of the Global Regulatory Analytical Platform are,

Automation Capability

Financial Institutions gets the advantage of preparing and submitting regulatory reports without manual effort.

Comply with new Regulations without risk

Setrega provides flexible data source configuration, API mapping and reporting format changes with minimum customization in product level which ensures relief from regulatory and compliance risks for the financial institutions working in various regions.

Scalability

Depending on the Institutions type like Buy Side/ Sell Side/venues, Setrega is scalable in terms of increasing number of connections, the humongous volume of data, more number of reports and formats, increased number of submission modes and regulatory authorities.

Transparency

Handling a large volume of data gives challenges in managing data to auditing; Setrega makes it more accessible by allowing the clients to have full control over data by powerful data transparency method.

Dashboard

Setrega act as a one-stop shop for all regulatory reporting for financial institutions. A vastly informative dashboard in Setrega provides all historical, current and scheduled regulatory reports and its internal & external statuses in graphical and tabular representations.

Regional Coverage

Financial firms who run their business across the globe get benefited from Setrega as one solution solves all the regulatory and compliance needs. It is successfully verified with major regulatory frameworks like MiFID II and NFA (National Futures Association) and regulatory authorities like SEC and SFC.

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The Rise of Online Payment Gateways

The cashless payment system is growing exponentially with evolving payment methods, rising e-commerce use, enhanced broadband connectivity, and emergence of new technologies. Can increasing incidences of cyberattacks and spams hamper the growth of online payment market or will it continue to grow at a rapid rate?

The global digital payment industry is expected to hit the USD6.6 trillion mark in 2021, registering around a 40% jump in two years. The cashless payment methods are rapidly evolving with ground-breaking innovations such as mobile wallets, peer-to-peer (P2P) mobile payments, real-time payments, and cryptocurrencies. In the growing digital age, many payment technology companies are collaborating with traditional financial institutions to cater to the latest consumer and merchant preferences. Due to enhanced broadband connectivity, increasing mobile commerce, emergence of new technologies such as Virtual Reality, Artificial Intelligence, and rapid digitization, billions of people have started embracing contactless payments in both developed and emerging countries. Besides, surging e-commerce businesses, digital remittances, digital business payments, and mobile B2B payments are boosting the non-cash transaction ecosystem.

Cashless transaction method users across various generations are widely adopting the digital peer-to-peer (P2P) apps as they are more appealing and flexible to use. In-app payments or tap-and-go transactions take seconds at the checkout and allow users to make payments anytime and anywhere. Tokenization, encryption, Secure Sockets Layer (SSL), etc., offer multiple ways of securing payments while enabling digital transactions. Moreover, the users do not have to fill in information every time to complete the payment process. Thus, online payment gateways play a crucial role in the economic growth, enabling trade in the modern economy. With social distancing rules in place, digital payments have become an obligation for contactless transactions rather than just a transaction alternative to prevent the spread of coronavirus.

Digital Commerce Empowering Businesses
Electronic payment systems have become a crucial part of businesses as consumer inclination towards online shopping is expanding. With broadening internet penetration, increasing use of smartphones, and diverse options for e-transactions, most consumers are preferring online channels over traditional brick-and-mortar stores for shopping. Therefore, businesses are shifting online with an electronic payment solution to maximize their profit earnings. Automating the electronic payment system eliminates the scope of errors and saves a considerable amount of time and effort. High standards for detecting and preventing fraud in digital transaction systems and AI-based fraud detections protect users from security breaches. By providing the flexibility for making payments through credit/debit cards, mobile money, e-Wallet, etc., the businesses can expand their customer base. The electronic payment process improves customer satisfaction as customers do not need to count cash or deal with paperwork whenever they want to make the transaction.

Biometric Authentication Enhancing Security
Biometric authentication involves recognizing biometric features and structural characteristics to verify the identification of an individual. The verification method can involve fingerprint scanning, facial recognition, voice recognition, vein mapping, iris detection, and heartbeat analysis. With the rise in identity theft and fraud, biometric authentication has become a reliable and secure alternative for making digital transactions. According to a recent research, biometrically verified mobile commerce transactions are expected to constitute a massive 57% of the total biometric transaction by 2023. Biometric payment cards are also becoming popular as they support tap-and-go payments, allowing users to make faster digital transactions. The digital payment technology provider, Worldline is partnering up with the French FinTech, A3BC (Anything Anywhere Anytime Biometric Connection), to protect mobile phones from intrusion with a two-factor authentication process. The combined solution eliminates identification through a single touch, rather it recognizes fingerprints through a picture of the hand. MasterCard is planning to bring FinGo’s vein-scanning payment solution that facilitates users to authenticate transactions.

Dominance of Mobile Wallets
In 2019, mobile wallets overtook credit cards to become the highly adopted payment type globally. Digital wallets offer flexibility to users to store multiple payment methods in one digital home and turn cash into electronic money required for online or in-store purchases. Financial institutions have already started to embrace the digital wallet trend by offering virtual cards to business customers. The virtual cards stored in digital wallets consist of details like 16-digit card number, CVV code, date of expiry and work just like the physical plastic card. Currently, only 37% of merchants support mobile payments at the point of sale, but with the rising adoption, merchants are willing to invest in technologies facilitating digital wallets. The virtual wallets can save money due to low processing costs as they limit transaction values and frequency. Artificial Intelligence (AI) is improving the user experience with regards to transactions with ChatBots, designed to execute and robotize essential exchanges as per the user’s interest. Besides, cryptographic money-based e-wallets are being embraced by new companies to small-medium organizations for storing digital money. Smart voice technology is contributing to the growth of smart voice wallets ever since Amazon propelled the principle of this platform, which is now being followed by Google and Apple.

E-Commerce Boom Accelerating Digital Payment Market Growth
E-commerce growth at an exponential rate is creating shock waves, and the sonic boom is reverberating across the FinTech sector. The growth of many e-commerce companies is driven by the kind of financial services they provide. Digital transactions make it convenient for the buyer and seller to make transactions and remain loyal to the market space. The COVID-19 pandemic added a different dimension to e-commerce innovation, introducing newer trends such as payment alternatives at checkouts (not with digital wallets), virtual cards, QR codes, and other touchless transactions. Besides, the Buy Now Pay Later (BNPL) trend is dominating the e-commerce industry as it relieves the financial burden on the buyer. BNPL involves a soft credit check, so the consumers can buy what they need, keep the inventory moving, and pay overtime without affecting their credit score. BNPL provides businesses with much-needed liquidity and greater flexibility at the checkout.

Influence of COVID-19 Pandemic on Digital Payment Market Growth
Digital payment systems have moved beyond their peer-to-peer (P2P) transfers and bill payments. The COVID-19 pandemic allowed digital payment systems to showcase their strengths, such as a strong understanding of hyper-local markets and its ability to establish strong local partnerships. Businesses and consumers increasingly “went digital” for providing and purchasing goods and services online. When the pandemic hit, people did not want to touch or exchange cash due to the paranoia of catching the infection from physical currencies. Several governments around the world introduced digital financial transfers to provide COVID-assistance. Owing to lockdown measures, consumers shifted to online platforms, which catapulted the demand for digital payment systems. Now, digital platforms have become an essential component of people’s lives, and consumers are more likely to continue shopping online in the post-pandemic period. The dramatic shift in consumer behavior is likely to augment the demand for e-payment systems even more. Therefore, companies are focusing their attention on digital mediums to meet the new customer demands and thrive businesses in the changing market scenario. Organizations are reimagining customer journeys to reduce friction and provide new security features. Payment companies such as PayPal and Square Cash are staffing up across the board to better understand the rearrangement of societal norms and stabilize the business in the near future.

e-Payment Systems are the Future
With increasing smartphone and internet penetration, consumers are becoming tech-savvy, which presents endless opportunities for the digital payment markets. Post-pandemic, digital payment systems are anticipated to continue to flourish over the years to come. While cards remain the first choice for payments around the world, mobile wallets are quickly gaining traction. The traditional cash flow is declining in bank branches and ATMs, demonstrating a power move towards a cashless society. Currently, China dominates the global mobile wallet consumption, followed by South Korea. However, there are still many countries that are highly dependent on cash due to lack of trust towards financial institutions and lack of proper broadband infrastructure, etc. In the near future, social media-initiated payments, biometric payments, voice-activated payments are likely to become mainstream in developing countries as well.

Cybersecurity and Privacy Concerns with Online Payment Solutions
Cybersecurity and privacy threats have become a troubling concern with the increasing incidences of online fraud. According to the Mastercard survey, one out of four consumers experienced some kind of fraud in 2020, ramping up the cybercrime rate by 49%. In the first half of 2020, online scams increased by 73.8% from 2019. However, adopting new-age technologies such as multifactor authentication, biometrics, 3D security, Artificial Intelligence, and Machine Learning can help control fraudulent activities such as phishing, virus attacks, etc. Shifting to contactless cards, QR codes, and tokenization can also help mitigate risks associated with digital payment solutions. Besides, sensitizing end-users about the secure application of e-payment solutions through amplifying efforts towards building financial literacy can help to prevent frauds. The emergence of mobile commerce and the evolution of e-payment platforms backed by robust security solutions can help to drive the goal of making the economy truly cash-less.

According to TechSci research report on “Global Payment Gateway Market By Type (Hosted, Self-hosted & Bank Integrated), By Enterprise Size (SME and Large Enterprise), By End-User (Retail, Travel & Hospitality, Healthcare, Education, Government, Utilities & Others), By Region, Competition, Forecast & Opportunities, 2026″, the global payment gateway market is expected to cross USD15 billion mark in 2019, registering a CAGR of 22% by 2026. The growth can be attributed to the increasing demand for online transactions, rising broadband connectivity, and exponential growth of e-commerce across the world.

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