3 Bitcoin Apps You Have to Try

Technology has completely changed the way we trade and use monetary currencies. From on-line banking to Apple-Pay, cash seems to be a thing of the past. Vast amounts of money are traded and used each day for transactions without the trader ever seeing an actual dollar, note or coin.

Cryptocurrency is yet another player that has caught the eye of financial investors, digital geeks and those who want no part in the storing and use of physical money. Cryptocurrencies like Bitcoin, Tether, Ethereum, Litecoin and others are alive and well – the digital alternative to hard cash and bank account-based tools like Venmo and PayPal.

As expected, apps are popping up to aid in the use of cryptocurrencies – from paying with Bitcoin to trading with Tether, these apps are helpful in learning how to use and trade cryptocurrencies.

We’ll review three cryptocurrency trading apps that help aid the crypto-newbie in how to trade these digital currencies.

Bitcoin Evolution is an automated software tool that helps the user make trading decisions for the cryptocurrency being traded. The Bitcoin Evolution team claims the user can make upwards of $13,000 per day – a bit high perhaps, but some reviews have shown fairly positive results from those using the software.

Begin by registering and opening an account with Bitcoin Evolution, deposit the amount you choose to trade with the broker, set your trading parameters and you’re ready to go. Using the software’s trading algorithms, the app suggests and makes trades based on these parameters. Profit potential is based on the initial amount you deposit and the amount of money used for each trade.

Bitcoin Trader is another automated cryptocurrency trading bot that does most of the trading work for you.  You set the minimum deposit for trades, register and setup the Bitcoin Trader account, set your trading parameters and then let the software do the rest. The value of a trading app like Bitcoin Trader is that the bot can make trade decisions much faster than a human and even claims that this tool executes trades up to .01 seconds faster than other competing trading bots.

Bitcoin Future makes it’s name from being one of the most reliable crypto-trading apps as it scans, reads and evaluates real-time crypto market data and then analyzes that data to determine successful trades for a variety of cryptocurrencies. Bitcoin Future boasts an 80-92% success rate for trades. Straight-forward and easy to use, using Bitcoin Future is as easy as creating the account, depositing the amount you would like to work with, setting your trade parameters and then watching the software do it’s thing.

There are many cryptocurrency trading platforms available. These three appear to be most reliable, easy to setup and use and give good returns.



How to get the best and safest personal loan?

Emergencies are certain in life. No matter how much you try to prevent it, emergencies occur. In financial crisis, people need access to easy money. This can be done in many ways. Personal loans are one of the ways in which you can get out of financial crisis. 

There are many personal loans providers in the market. This makes it difficult to choose the right personal loan. Fortunately, there are many factors that can be taken into account to make a well informed choice. Here is how to get the best and safest personal loan:

  • Requirements for personal loans

This is the first and foremost thing to take into account. You need to check the requirements for personal loans. Typically, all the personal loans out there are unsecured. This means that there is no need to put up any collateral which will be confiscated in case of default. However, most of the lenders look out for the creditworthiness of the borrower. This is why you need to make sure your credit history is reliable. 

  • Comparison shopping

There is a misconception in the market that there is no need to shop around when it comes to personal loans. Personal loans are generally available in a wide range of variety. There are many finance companies, credit unions and banks that will provide loans. This is why you should go for comparison shopping. If you shop around, you will come across different interest rates and requirements. Evaluate the pros and cons and make the right decision. 

  • Consequences of the personal loan

It is not only about getting the loan. You should also know what happens after getting the loan. Once you have received approval for the loan, you need to gather a lot of documents to make sure everything is legally complied with. You can get access to best legal personal loan in Singapore and many other places through different platforms. However, you must know all the consequences of getting a personal loan and terms you need to conform with. 

  • Maintenance of creditworthiness

It is of paramount importance to maintain creditworthiness after getting a personal loan. If you are not able to do that then you need to think twice about that. Good credit will have an impact on the interest rate. You should have a plan on how the loan will be repaid and the creditworthiness will be maintained. It is extremely essential to have this factor into account to make the right decision. 

  • Asking different questions

Perhaps the best tip to get the safest personal loan out there is to ask different questions. Asking different questions will help you to get hands on the right personal loan out there. There are many questions that must be asked. Following are some of the examples;

  • What is the interest rate?
  • Are there any hidden fees?
  • What is the nature of interest fees?

Above are some of the things that must be considered to make the right choice.

Avoiding Emotional Investing Decisions

Financial market volatility can spook investors. And while shifting to a defensive posture may seem like the right thing to do, you need to carefully consider your options before taking drastic action.

When markets decline, investors experience a range of emotions, and that can trigger an irrational response. Agitation appears as the market begins to dip, followed by distress, despair and finally, dejection.

Somewhere on that downward spiral, strong long-term investments with great potential are abandoned in favour of safer alternatives that barely keep up with inflation. Yes, there’s some relief, but it’s often short-term and won’t make up for the long-term damage done to your portfolio.

Staying out of the markets means that your money is sitting on the sidelines in cash or short-term instruments. While there’s a place for cash in a balanced portfolio, by no means should it make up the bulk of your holdings. And while you’re on the outside looking in, your long-term personal rate of return can be dramatically affected.

For example, an investor who stayed fully invested in the S&P 500 Composite Index from January 1, 1990 to December 31, 2018, realized a 7.0% annual return (excluding dividends). Conversely, an investor who missed the 50 best days of the S&P 500 over that same time period realized a -1.3% annual return (excluding dividends). That’s just 1% of the total trading days.

When economic signals point to a possible recession, you should consider taking steps to protect your portfolio, particularly if you are nearing retirement. As well as staying invested to take advantage of buying opportunities, you should build your emergency fund and examine your expenses.

A three- to six-month cash cushion is recommended even when times are good. In a recession, it’s practically a necessity as you don’t know what the future holds in terms of job prospects and other income sources.

As for your daily expenses, living below your means is a sure-fire way to gain financial freedom. One way to accomplish this goal is to create a budget and stick with it. In a recession, you might need to find ways to tighten your belt.

Of course, a well-constructed financial plan takes every outcome into consideration. Such a plan is purpose-built to handle the vagaries of the stock market because it reflects your risk tolerance.

In the face of volatility and talk of a recession, you should stay calm and stick to your financial plan, while continuing to fund your long-term investment objectives, such as retirement.

Speak to a financial planner who has experienced economic instability and can coach clients through volatile periods in the markets. Remember that investing based on emotion leads to one thing: regret.

This is a general source of information only. It is not intended to provide personalized tax, legal or investment advice, and is not intended as a solicitation to purchase securities. Dwayne Rettinger is solely responsible for its content. For more information on this topic or any other financial matter, please contact an IG Wealth Management Consultant.

5 Reasons LASIK Surgery Is Worth The Cost

More and more people are turning towards LASIK surgery as a way to rid themselves of their vision problems forever. However, it’s no secret that it’s not a surgery that comes cheap. Therefore, many people find themselves wondering if it’s really worth the cost.

It’s a good thing to question whether a purchase is worth it when you’re investing a considerable amount of money. The good news is, we’ve got all of the information that should convince you that getting LASIK surgery is well worth your money. Here are some of the biggest reasons why this popular surgery is worth the cost. 

It’s Effective

First and foremost, LASIK has an incredibly high success rate. Very rarely are people not satisfied with their results. In fact, as many as 9 out of 10 patients claim to be happy with the results of their surgery. 

So, what happens if you’re one of the patients who aren’t happy with their results? The good news is, many doctors will offer a touch-up procedure so that you get the results you desire.

You Save Money In The Big Picture

Although the upfront cost may cost a lot more than buying a pair of glasses or contacts, over time, LASIK will save you a lot of money in the big picture. LASIK is a one time cost, whereas glasses and contacts require being purchased over and over again during the course of your lifetime.

So, if you’re the kind of person who likes to make their decisions based off of saving money, then LASIK is the obvious choice. 

It’s A Low-Risk Procedure

Just like any surgery, there are always risks involved. However, LASIK is considered one of the safest procedures out there. It’s very unlikely that anything will go wrong during LASIK surgery.

So, if you’re concerned about undergoing the treatment because of the risks involved, rest assured that you are more than likely going to be okay. 

Your Quality of Life Will Improve

Having vision issues can not only be irritating, but it can even be painful. When you can’t see properly, it can affect your productivity at work, affect your energy levels, and even lead to migraines.

When you get LASIK surgery, you no longer have to worry about finding your glasses in the dark, or putting your contacts in every morning half asleep.

Suddenly it’s possible to get out of bed and go without having to worry about anything for your eyes!

Payment Plans Are Available 

Not everyone has enough savings put aside to be able to pay for surgery upfront. Therefore, you’ll be happy to know that many surgery centers offer payment plans so you can comfortably pay in installments.

Why it’s better to rent a boat instead

You’re lying to yourself if you say that you are not looking forward to summer. It’s the best season because you can do so many activities, with a high chance of having good weather. 

One of the most popular outdoor activities is sailing across the crystal blue waters. So here is why we suggest you rent a boat instead. 

You can share the cost

When it comes to buying a boat, it’ll have to be you that will have to pay for all the fees and bills that come with it. 

However, if you share a boat, even if it’s just for the day, you know you will be saving on half the price than you’d usually pay for when buying. 

You get to share great memories with your friends and can take turns on steering! It also works out cheaper even renting for the day. 

You don’t have to pay for parking spaces

When it comes to buying a boat, you also have to pay for its parking spot in a marina. This can be costly and in the end, you may even end up paying more for the spot than the actual boat itself. 

Whereas, with a rented boat you will have no worries for that. You can become a captain for the day and have no strings attached. 

You are spoilt for choice 

Another great thing about renting boats is that you are spoilt for choice. 

First, you get to choose which kind of boat you want to rent, such as a beautiful yacht and secondly, you get to choose how long you want to rent it for. 

Each summer you could be testing a new boat without any additional permanent fees. A great way to save and still enjoy your favourite hobby! 


The boat is seasonal

Why would you waste all of that money for a boat that will be sitting a parking spot 92% of the time? 

When sailing a boat, it is usually when there is Good sailing weather and that isn’t all year round. 

Usually, you will get the best weather in the summer, as we can imagine it can be hard to sail in the wintertime. So why waste money to sail for one or two seasons? 

They can lose value

When it comes to buying a boat, it is measured by the amount of hours you use it for, not the usage of miles. 

Eventually, the boat itself can lose its value over time. This can be hard if you ever want to sell it in the future. Also, if the boat does lose its value, it will be very expensive to upgrade. 

Think of it like buying the latest technology; the more developed the phone is, the harder it is for your old phone to stay at a good value. 

Why waste thousands on a boat that will eventually become irreparable, when you can just rent out a boat whenever you want? 

Tips To Make More Money Online

Making money is a much different puzzle than it ever has been before.  There are far more outlets and opportunities at hand, and creativity is currently being rewarded.  The internet has created a new generation of entrepreneurs, and you’re probably eager to hop aboard that train.  

No one likes working under a supervisor all day, so learn to use the web to your advantage.  Learn to use the internet to design a carefree, flexible lifestyle for yourself. Here are a few legitimate ways to make more money online than you’ve ever thought you could.  

Freelance content writing

If you’re competent as a writer, you could use that skill to make money online.  The internet expands its collection of content all day every day, and someone has to write it.  Content writers make a career out of writing such materials.  

Businesses need articles and interesting marketing materials online, and a content writer is there to help make the job easier.  You’ll have to dig to find a job that fits you in just the way you want it to, but there are plenty of opportunities to consider.   

Sell your craft on Etsy

If your passion is creating interesting arts and crafts, the web grants you a feasible outlet from which to launch your own small store.  Etsy grants users the ability to open their own digital store, and the platform takes a percentage of your earnings for providing the outlet.  

Selling your products on Etsy saves you the time and trouble of designing your own platform for sales, and it saves you the trouble of marketing the source.  Etsy already has its own wide consumer base from which to pull.  

Learn to earn money blogging

Blogging is an excellent resource for building yourself a source of passive income.  It gives you the time to do other things, because you won’t have to devote 40 hours a week to your blog.  

If you already own a business, creating a business blog is beneficial to your cause.  Add your business blog to your website, like this nitrogen generation business has done.  

The key is that you have to know how to format the content properly, hit on the right topics, and appeal to the right audience.  If you don’t get a clear balance between those things, you won’t make much progress towards running a successful blog.  

Leverage the current app-mosphere 

Today’s tech culture has spawned a whole new app-mosphere in business.  There are numerous mobile apps you can download that will help you make more money.  Apps like Uber, Lyft, Field Agent, and Postmates are all realistic outlets to make money using the internet.  

Affiliate marketing on social media

If you’re big into the social media scene, you can use your popularity to make money.  Affiliate marketing might make you look like a sell-out to your friends, but it will make your bank account smile.

How Business Loans & Payday Loans Make an Impact?


Payday Loans:

Payday loans are relatively different as compared to conventional loans due to their ease of obtaining. In the same way, the need to assess the prospect whether if such loans are appropriate for your needs or not is crucial. Here are some of the benefits that you could achieve from payday loans.

  • Super rapid:

It is one of the significant benefits of the payday loans that they are swift to get in such cases when one is going through struggling economic conditions. Most of the times, minimum information is required from borrower and it gets processed within 1 or 2 days and even in a matter of hours by some lenders.

  • Ease of qualification:

There are no hard and fast restrictions to meet when you want to apply for payday loans. Mostly, you require a legal age, bank account and monthly paycheck and that’s it, you are eligible to have a payday loan.

  • Independence of consumption:

As your eligibility is determined before paying you out a payday loan, so it’s entirely up to you where do you want to spend it. It could be investment, daily expenses or whatsoever you may want.

  • No reliance on credit score:

Normally, the award of payday loan is not associated with credit score and you can only reduce your interest rate with better credit rating. Besides, you could enhance your credit rating with the help of payday loans.

Business Loans:

Regardless of the fact that you own a small, medium or even a higher scale business, the need to have finances on point is the key. Business loans are one of most popular ways to seek funding in this regard. However, the business can make ideal loans the smarter business loans by adopting following tips.

·        Keep your documents in order:

Different types of loans and numerous lenders will require you to furnish a plethora of documents before your application could be processed for a loan. As a business, make sure that entire of essential documents are intact before you apply to make your ordinary loans, the smarter business loans.

·        Maintain good credit:

Unlike payday loans, business loans will require decent credit ratings. In the same way, be certain to have sufficient credit rating to convert conventional loan into smart business loans.

·        Type of loan:

It is just another step towards achieving smart business loans where you can pre meditate about the type of loan your business needs and nature of your business requirements too.


Improving Financial Skills Through Literacy

Financial management has been defined as understanding the financial consequences of your actions and ensuring you only do those things that enhance profitability. However, I would add financial failure to that definition, as it’s an important part of the industry and my work as a merchant banker.

In short, you can’t expect all of your investment to result in significant returns. So you need to condition yourself to deal with the failures and continue your work with the same passion you had prior to the disappointing outcome. That’s what makes a successful merchant banker.

But let’s take a step back. It’s been said that 90% of business failures around the world are due to financial mismanagement. Not poor marketing, not labour problems but plain old bad management. So how do we resolve this problem? We need to focus on financial literacy, one of the world’s biggest challenges.

Although there are many worthwhile financial literacy initiatives happening today all over the world, too many of us don’t have a basic understanding of things like budgets, inflation and rates of return. Although it’s unrealistic to expect everyone to possess sophisticated financial knowledge, it is broadly agreed that some financial knowledge is necessary to make important life decisions related to money.

Building personal financial capabilities early in life can give people the foundation for financial well-being in the future. Schools are an important channel to provide the education that can improve financial literacy. Studies in the U.S. have shown that financial education, when done properly, leads to an improvement in financial behaviour.

But there’s a long way to go. According to a survey of 13 million U.S. high school students, only one in six received mandatory financial education. And only 17 states require personal financial content to be included in educational standards.

Of course, people want to make good financial decisions that set them up for success but most haven’t had the opportunity to learn. For instance, a significant number of American adults can’t pass a basic financial literacy test with three questions on stocks, interest rates and inflation. Here’s an example:

Suppose you had $100 in a savings account and the interest rate was 2% per year. After five years, how much do you think you would have in the account if you left the money to grow?

  • More than $102
  • Exactly $102
  • Less than $102

Although 43% earned scores of three, meaning they correctly answered all the questions and another 36% received scores of two, 21% got only one or zero questions right. Across all households, the average score was 2.2. Considering that the questions are relatively simple, those scores aren’t good enough and show why financial literacy needs to improve, and not only in the United States. The correct answer in the sample question, by the way, is more than $102.

Financial literacy can be a hard sell for educators, many of whom don’t see the importance of adding it to the curriculum. But it’s a skill all of us need to succeed in life. If you teach a child about financial literacy, odds are he won’t come back to live in your basement after college.

4 Ways To Spend Time and Energy Making More Money

Most people feel like they don’t have quite as much money as they want. But unfortunately, you can only make so much cash doing what you already do at the job you already have. That presents itself as a bit of a puzzle. What can you do to increase your income on the side? That’s where you have to figure out the equation of time and energy as it relates to your finances.

There are lots of places for you to start thinking about your options. One of the easiest ones is to start exploring passive income online opportunities. Or, maybe you want to do something like work with ATMs. Another perspective would involve you figuring out how to turn something you’re passionate about into cash. And lastly, there is an intrinsic value in being the first person to do something specific well and then leveraging that for economic gain.

Jump Into Passive Income Opportunities

Looking for passive income opportunities can be a gratifying activity. Doing a quick search online will give you dozens if not hundreds of options, especially as it relates to setting yourself up with something online that you can either make money from advertising or sell things digitally. It all depends on how creative you are if these are going to pan out for you.

Work With ATMs

If you want a more physical way to make money on the side, consider getting into the ATM industry. You can buy, rent, sell or otherwise work with ATMs, and it can be quite a fruitful experience. As long as you plan appropriately for time, energy, and need, working with ATMs might be precisely what you need to do on the side to create some economic opportunity for yourself.

Make Your Passion Create Cash Flow

Another perspective is that you can potentially use your passion to create some cash flow. For example, if you’re particularly good at an instrument, why not teach lessons? Or, if you’re a good writer or are good with academics, promote yourself as a tutor in your area. If you know you’re good at something you’re passionate about, then the next step that you need to do is figure out how to market that to the public at large.

Be the First To Do Something Well

One of the ways to start earning money on the side quickly is if you can figure out how to do something new that people want to buy into. Even if you’re not particularly amazing at it, if you can figure out how to be the first to offer a product, service, or idea, there is going to be an intrinsic value in it. Even if you sell that idea to the next person who wants to use it in a specific way, it can work your advantage.

Bad Financial Habits for Doctors

There is a stereotype that doctors are bad with finances and, while this may be true for some, there are some bad financial habits for doctors to avoid.

Lifestyle Creep: For doctors, the training doesn’t end and their careers don’t begin until they are 30. After years of studying, exams, and living on a student budget, many are ready to splurge. Many have seen their friends graduate at 22 and start working and, along with advertising that prevails, many want to start increasing the lifestyle. When doctors finally start making money, instead of spending that money to become debt free or increase an emergency fund, many will start spending it to make up for the years when they were a student.

Not Paying Attention to Money: Not paying attention to money is common for doctors and this habit can be the result of two reasons. The first reason is not wanting to see expenses exceed income and fear. Many may know they are overspending but don’t want to see how bad it is. The second is a good income. Many doctors feel like they make enough money and that they don’t need to keep track of expenses because things will just work out. When you aren’t looking at what you are spending, then it’s easy to overspend.

Relying on Debt for Emergencies: Of course there are things that pop up from time to time that are actual emergencies, but not everything is. A blown transmission isn’t an emergency and it’s considered a regular part of car maintenance. Many doctors aren’t planning for future expenses when they know they are coming. A lot of doctors have financial advisors who tell them they don’t need to have cash around for an emergency, and instead decide to keep the money invested. This is bad advice and a bad habit because debt is not something you want to get into for a cost you should have seen coming. Not being able to save money means you are living beyond your means.

Neglecting Student Loan Debt: Doctors can have a lot of student loan debt and turning a blind eye to different repayment options can only make things worse. There are different student loan refinancing options to lower monthly payments and reduce interest that gets paid. Doctors should look at their options before settling.

Not Choosing the Right Insurance: Doctors need insurance, just like they need scrub sets, but it’s a fine line between the right coverage and the costs. Many doctors don’t take the time to research their options and end up paying more than they need.