Category: Blog

Here Is What You Should Know About The Best Cryptocurrencies

It is highly probable that everyone has heard about bitcoin because it pops up in the newsfeed and in the papers almost every single day. It has been estimated that at least one in five people world over have either heard about cryptocurrencies or has already dabbled in some or other form. This indeed looks like a big number.

Cryptocurrencies are extremely popular:

Ever since cryptocurrencies have been introduced, its popularity has grown by leaps and bounds. It is speculated that in the last five years alone, the value of cryptocurrencies has cumulatively grown almost about 600 times of its original value! This kind of value-added growth is able to attract a huge number of traders who have tried their hands on various other market derivatives but have not been as successful.

It is estimated that the number of traders who exclusively trade in cryptocurrencies is slate to grow exponentially. There are lots of ways that a trader can make money in this line of trading. Storing, exchanging for goods and services and also transferring in a block chain are only some of the ways to make a good amount of money from it.

Cryptocurrencies are bereft of any governmental control:

There is a basic reason why the cryptocurrency trade is so competitive and attractive. The government plays no role whatsoever in any transaction that involves cryptocurrencies. The acquisition and the transferring of the currency as an online medium of exchange for goods or services bought do not involve a middle agent. This has the positive impact of saving on any kind of processing fee that could have been levied by the agent and also the transaction is over in milliseconds as opposed to a long drawn process if a third party agent was involved in the middle.

Cryptocurrencies can be used just like ordinary money:

This cryptocurrency is a virtual currency but apart from this distinction, it can be used exactly in the same way as normal currency. Buying goods and/or services with cryptocurrency is as effective as a medium if exchange as the normal currency that we use in our day to day lives; only that this is virtual.

Here is a list of four important cryptocurrencies that have become immensely popular in a very short period of time.

  • Bitcoin
  • Ethereum
  • Ripple
  • Litecoin.

Experts believe that investing in the above list of cryptocurrencies is one of the safest investment strategies that a trader can try; whether he is a seasoned trader or a beginner. However, a lot of the trader’s success in this trade relies on the platform that he chooses. A little experience and aptitude are all that is needed to do extremely well in this field.

Cautionary Notice:

Like any investment in the digital forums, buying, storing and circulating cryptocurrencies is subject to extreme market risk. The trader must exercise prudence and do his homework well before investing anywhere. The trader must invest only the money that he can safely afford to lose.

A Quick Guide before Investing in Mutual Funds

What is a Mutual Fund?

A mutual fund is nothing but a carefully managed professional investment option that combines the investments of different investors in order to buy securities.

Crypto trading reviews here


Some of the advantages that a mutual fund offers are:

  1. Higher economies of scale

  2. Increased and greater level of diversification by holding more securities

  3. Reduced risk because of greater diversification

  4. More liquidity on a daily basis because of the selling mentality of investors at regular intervals

  5. Management by professional investors and portfolio managers to ensure greater fund investments

  6. Offers better investment opportunities to participate in investments apart from the larger investors

  7. Highly convenient with great service

  8. Safety in the hands of the government, as all mutual fund investments are regulated and overseen by a government organization

  9. Transparent and easy to compare because all mutual fund investments are forced to present to their investors with the same information so that they can easily compare each option and not get confused


On the other hand, like all investment options, mutual funds to have certain disadvantages, namely:

  1. Incur different expenses and fees

  2. Have no much control over the timing of gain recognition

  3. Offer income that is less predictable

  4. Provides no scope to customize the investment plan

  5. Subjected to minimal market risks

Although the advantages outweigh the disadvantages of mutual funds, you need to be careful while investing in mutual funds to prevent risks and losses.

What Must You Do Before Investing in Mutual Funds?

  1. Create a Goal – It is important to realize why you are investing in mutual funds, as this will help you streamline your investment options. Therefore, be it for a wedding, education, or simply for earning more money, define your actionable goal

  2. Plan your Holding Period – With a definitive goal, comes a definitive timeline. This is very important when it comes to mutual fund investments, as different plans offer different levels of risk based on the holding period. Hence, you need to plan the intended holding period to minimize the risks involved.

  3. Plan your Investment Method – There are two ways by which you can invest in mutual funds. One is by paying the lump-sum amount at one go and the second is to invest systematically, otherwise known as Systematic Investment Planning or SIP. Although the former option is only a one-time affair, financial analysts recommend investors to plan systematically their investments as a part of their short-term financial planning.

  4. Invest in your Financial Education – One of the most important things that many new investors forget these days is to study in terms of investment options, knowing market risks, risk management, the power of compounding, or at least a basic crash course on the different terminologies used in the investment world.

What Must You Not Do While Investing in Mutual Funds?

While adopting some of the common tips before investing in mutual funds, it is also necessary to be aware of things that you should not engage in as well. These include:

  1. Taking a break from monitoring the stock market index and focussing more on your goal

  2. Do not invest in small schemes that offer returns in one year

  3. Do not ignore the risks

  4. Do not attempt to invest more than what is needed

  5. Ignore the surrounding noise correction, rebalancing, and book profits

How To Get Finances For Your Business

Starting your own business could be a terrifying experience. You may not be confident about how your product would be received in the market. However look at the other side and you will see that starting a business is actually very lucrative. It lets you offer a new product or service to the community. It helps you to form a legacy and at the same time gives you an opportunity to be your own boss.

The first and the foremost thing that you need to arrange for to start your business are adequate funding. Whether you have the money to invest in the business or you need to convince individuals or a company to invest in your business your business plan needs to be strong to attract likely investors. The plan should include the description of your company, the product line of your business as well as how you plan to increase sales and market your business. You also need to have a financial projection of your business. All this can let you get a loan easily.

Factoring should be considered

Factoring is when the company sells off its receivables at a discount that lets it get cash up front. This method is used by businesses that have a bad credit such as the apparel business. In this kind of business, the order has to get filled before they get paid. This is an expensive way to raise the funds for the business and the company that receives the receivable pass a fraction of the total value. And this is why the companies have started to look for alternative ways of financing. It is being tried to make factoring competitive.

Have a strong business plan

As already mentioned you need to have a business plan that is strong and should clearly portray what you plan to do in the next three to five years. There are several components that need to be included. The documents should be such that you can change it based on the business abilities.

The most important part of a business plan is that the summary should be thoughtful and should capture the complete business plan. The description should focus on the details of what the business does and why is it different from its competitors.

A market analysis in the business plan would let the investor have a clear picture of the outlook of the company and also about the potential of market share.

The business plan should also have the management and organization structure with details of ownership and management as well as qualification of the board members.

The next part of the business plan should have details of the products and services and also what kind of sales and marketing methods would be used.

Understanding the world of Crypto Currency

One thing which has struck the imagination of all, and fear for many in the financial world today is like accepting the existence of mermaids in the 21st century, and you would have guessed it right, is it money, is it a transaction or is it the future of currency system? Enter into the world of digital cash, a cryptocurrency which is a phenomenon no less discussed than warmer topics like global warming, space junk and the rest.

It would be hard to accept that traditional banks are in for rolling out a white paper on the cryptocurrency, blockchain project and even acknowledge it as a mode of payment for the services. With so much of noise going around this form of digital currency whether to accept it mainstream, or still be cautious, many fail to understand the concept of Cryptocurrency.

What is Cryptocurrency?

It will be surprising to know that Cryptocurrency is actually an incidental product which was not meant to be discovered, it was the when the inventor of Bitcoin who till date is unknown wanted a peer to peer digital cash system to be introduced to the world to avoid double spending.

  • no central authority is there to monitor the digital currency
  • It is a trust-based system which can be easily transferred, bought and sold.
  • transactions, accounting are all a part of it, there can be no double spending as a central server keeps track of all the transactions before with the currency
  • is it out there on a public database where one can transfer it to their bank accounts and take liquid cash
  • however there are limited entries to cryptocurrency in the database and it cannot be forever changed without fulfilling specific conditions

How does it work?

With all said and done, how the whole process works out in the digital space is extremely technical and the basic technology used is p2p, which is used for transacting using a public key or password to access the digital account of the user and continue any particular transaction. As a medium of exchange, it has been created to store transactions electronically using encryption techniques which are verified at every stage before the currency is transferred, the bitcoin was the first digital currency to be released and there are many which have since then been developed and widely used. Keeping in mind the confirmation of any digital transaction which is only complete is a critical aspect in cryptocurrencies, once confirmed cannot be erased or reversed.

Ways In Which Market Fluctuations Affect A Business

When comes to running a business, it is important to have an eye on all factors that would affect the performance of a business in all ways. It is important to know them in detail so that a businessman would be able to understand the market and change and modify his business operations as per the changes in the market. Now generally there are few things that go unnoticed and the business people tend to avoid such simple things having an eye on only the important and big factors. Here are those important four factors that need to be paid attention to.


in every single activity of ours, there is some sort of credit involved in one or the other way. When we wish to buy a car, most of us try to go in for financing from the banks or financial institutions and try to pay them in the form of regular EMI`s. This goes for anything big we buy. Similarly, grocery shops get finances to stock goods on their shelves and they are bound to pay the banks the interests. Now flexibility provided by the banks and financial institutions are directly affected and impacted by the changes in the market conditions. Now when the markets fail and start going low, there is uncertainty which increases the risks. Now, this risk factor increases the rates of interest paid by the customer irrespective of the purpose of the loan or the borrowing. This is because markets have a constant touch and watch on the market and hence it becomes important for those who have borrowed from banks too to have a constant touch with the market to note the changes happening there.

Consumer behavior

the demand for a product depends on how a customer reacts to it based on how a customer relates his needs to the products made available in the shops. Now the first things that he spends his money on are the ones that are quintessential for his day-to-day life. The next is on those he feels is a need but not a very important necessity to be spent on and the last and the final category is the one on which a person spends without any need to actually have them or buy them. Now when there is a change in the market conditions, the first category is the one that a person concentrates on leaving the next two optional. So this directly affects the business.

CSR Business Integration

In today`s world of growing and developing technology, it has become very important and essential for all companies to follow the concept of CSR. In fact, all the new ones have already started following this and one of the main things when following CSR is the transparency; this means that every single operation and process of the company needs to be made transparent to the end customers and everything has to be ethically done nothing against nature. This is the basic and the simple understanding of CSR. All the services offered by the company should not be harmful to the customers and the nature at the same time instead it should help in keeping the environment healthy.

Visit this site for unbiased reviews

So, what benefits to the company?

Now you might ask as to what is it that would benefit the company from when this CSR is followed by it in each and every step of its actions? Of course, there are no direct benefits and there is nothing that the company is going to do for itself by following this. But there are definitely benefits indirectly.


When a company is able to make the customers confident that it is following the core concepts of CSR, it would automatically make things all about it clear to them and this way it would be able to build in a confidence in them, trust in them. Now, this would slowly bring the customers close to the company and they would start preferring products from them slowly increasing their demand and position in the market. It`s not just this. It would also help the company in having new customers thereby helping them improve their financial stand in the society; improve and increase their profitability making it easier for them to contribute more towards the CSR initiatives. So it is a mutually benefiting cycle where one supports the other and without one the success of the other is at stake.

So this is the reason for companies to embrace this concept with high regards. There are also some competitive advantages and benefits that a company would enjoy when it takes to this concept in its business operations. Now there are pressures from even the financial companies on the companies and industries to follow CSR for this makes it easy for them to probe into and investigate their financial status easily. So the ones who are still not under the nectarine influence of CSR should take it up seriously now at least.

Hedging On Your Securities

When we make investments on any assets by hedging on it we can reduce the risk. Further, if the derivatives are used for hedging on the investment you have made, the risk calculation is done precisely. But if we are making use of derivatives for hedging there is a need for a lot of money and sophistication and one must know that to hedge the derivatives are not the only way.

Another basic way is diversification which is used for hedging that is done in a strategic manner on a portfolio that also helps in reducing the risks. One example we can consider to understand this is that suppose if one person does investment in a company that sells upmarket goods and its margins are constantly increasing. This person will be worried that if in case there is a recession that hits, it can completely wipe the market for consumption that has been spent lavishly. However, there is a way to handle this situation that is by buying the stocks of tobacco or the utility that is required for it that he can do.

Hedging The Assets By Diversification

The trade-off that this strategy has is that if the payment is high and there are a lot of jobs, this upmarket goods production companies will flourish. However there are chances that few people might want to invest in counter-cyclical stocks and as a result, this might not flourish since most people are attracted to invest in exciting things rather than these boring stocks.

One risk that these stocks of luxury goods have is that there is no telling for sure whether the hedge and the stock will move in the direction that is opposite. Sometimes there are chances that both the stock as well as hedge might drop drastically if there is the occurrence of any event that might cause catastrophe, similar to something that happens when there is a financial crisis.

An advanced type of strategy for investments is known as hedging. The principles involved in hedging are very simple to understand. Since the time the hedge fund has come into existence it has become very popular and with popularity comes criticism. Because of the constant popularity and criticism, people have started using hedging a lot.

Even though it is spread so widely, not many people understand this very well. Whether the people know what hedging is or not most of them would have done it at some point of time in their life because everyone buys life insurance these days in the hope that it will add support to the family if anything were to happen to you and this is known as a heading.

Understanding stock market fluctuations can actually be fruitful for your business

The stock market has always been unpredictable:

It is common knowledge that the stock market is extremely volatile and unpredictable in almost all its aspects. It is sometimes even unpredictable to a seasoned investor who may have put in years of experience trading at it and trying to understand it. Yet, an attempt to read between the lines and to try and figure out the future of a company’s stock is important in case you want to not be caught unawares.

Stocks are known for gaining and losing points so rapidly in one trading day itself that sometimes it feels like you wink and open your eyes and the situation has changed tremendously. Staying informed helps you stay abreast and not give you nasty surprises either.

Here are a few pointers that you may watch out for in case you want to understand the real case for such fluctuations so that it does not affect your individual enterprise

  1. Keeping an eye on macroeconomics:

Any change in the world events can point to a fluctuation in the market. If deciphering is your strong point, you can very well tell the effect of any socio-political changes that are happening anywhere in the world.

For example, if there is widespread unemployment in a place then the stocks of the company in the soil may take a beating. Another example is that when there is a credit boom in the market, there is a sales boost in industries such as holiday planning, automobiles, and construction.

  1. Looking out for news stories:

Any story on a particular industry or a company that is being reported can have a positive or a negative impact on the stock of that company as well as others. To cite an example, when the mobile phones came around, the fixed line companies suffered a loss because people were investing in the latest technology.

  1. Watching out for changes in laws and regulations:

Changes in law of the land can trigger fluctuations in the market. For instance, when the food and drugs association bans a drug, the pharmaceutical industry may suffer a bit due to fluctuations that can happen as a result.

  1. The public sentiment:

Theoretically it may sound right that the people invest rationally but in reality, people are investing because of the sentimental value of the company and this has been proven right time and again.

  1. Comparing financial statements of the company can yield a wealth of information:

The ratio of company’s debt to its earning can tell us a lot about why the company’s stocks are so valuable. A detailed study of the financial statements of a couple of years is a good way to gauge the performance of the company and to understand the impact of the fluctuations too.

Advantages Through Arbitrage

The arbitrage was established to increase the efficiency in trading by buying and selling of the assets simultaneously. Examples would be buying stocks from one exchange and simultaneously selling it on the other exchange that has a higher price for the same asset resulting in profit and eliminating any fluctuation in the price.

The above mentioned is a simple example of arbitrating. In Another example, we will see triangular arbitrage which is a little more complicated than the above example and how triangular arbitrage can be used to gain profits. In this type of arbitrage the trader will have one type of currency which he will be converting into another form of currency at the first bank, further he will be converting this currency again into another form of currency in the second bank and finally the third type of currency is converted back to the first type at another bank. The trader does so because once you convert currency in a particular bank they will have it in their records so that the rates of the currency are in alignment, therefore, to implement this type of strategy different types of financial establishment is required.

Arbitration can also have another form that is the risk arbitrage. The risk arbitrage is also known as strategic arbitrage which is the second form of arbitrage. As the name suggests risk arbitrage has risks involved in it unlike the pure type of arbitrage. In spite of all the speculations done on this type of arbitrage, it has still become one of the popular forms of arbitrating as it is retail friendly so people who trade in retail make use of it a lot.

Let us consider an example and see how it actually works:

Say that there are two companies by name company X and company Y. The first company that is company X is trading at $20 per share at present and the company Y wants to take over company X, therefore, it has decided to update on the bid to take over the company as $25 per share resulting in increasing the price of company X’s shares to $25 per share but still this company is trading at its old price that is $20 per share. At this point consider that early investors who want to trade make the bid of $24 per share, you will notice that there is a difference of $1 per share at present. Now you will ask the question where is the risk in this? The risk is that the procurement might fall all the way down and in this case, the price of the shares of the company will go back to its previous price that is $20 per share.