Why Banks Fear Bitcoin

When you receive money, you usually either spend it directly or deposit it into your bank account. Using your money, banks offer loans to other customers or invest in the markets. The system normally works to everyone’s advantage, but financial institutions occasionally go bankrupt, and it’s possible that you could lose your money. 

The most recent example of this occurred during the financial crisis of 2008 and its aftermath. When a government does not have sufficient income to cover its expenses, it can ask its central bank to print more money. However, this means that the purchasing power of the national currency is reduced, as the money already in circulation is effectively devalued.


Bitcoin originated from this crisis and was born out of the belief that people should have access to an alternative financial system and a currency that is neither created nor controlled by any government or central bank. Bitcoin thus became the world’s first cryptocurrency. With a promised maximum of 21 million coins and almost 17 million coins already created, the value of Bitcoin depends entirely on market forces: basic supply and demand. 

The idea behind a cryptocurrency like Bitcoin is that there is no third party involved to verify and validate a transaction: users can transfer money directly between one another. The traditional process, of course, is not instantaneous: it takes a couple of days and often incurs high fees. This is why banks fear the success of Bitcoin - it could become the currency of the future, free of the influence of governments and banks, enabling rapid, inexpensive, direct and private transfers. 

The anonymity at the heart of Bitcoin’s appeal is another major issue for banks, since they can’t keep an eye on how clients use their accounts, which kind of transactions they make and with whom. On the distributed public ledger where all Bitcoin transactions are freely available, even though everyone can see the transactions themselves, there is no private data to display. 

New cryptocurrencies are being launched all the time, with over a thousand blockchain-based altcoins now available to trade, and millions of investors around the world now wanting to take part in this monetary revolution. International cryptocurrency brokers offer the opportunity to invest in the most popular coins, such as Bitcoin, Ethereum, Iota, Ripple, and Litecoin. Bitcoin trading platform UFX is one of the most highly regarded across the online trading industry, since it offers some of the most advanced tool and charts, as well as highly favourable trading terms.

Learn How to Save Money when Hiring a Lawyer

You might not need a lawyer during ordinary days. If you are a business owner or you plan to buy a property, hiring a lawyer is imperative. 

Here’s the thing: legal fees can be expensive. In fact, the average annual salary for lawyers is at $118,000 or approximately $9,847 per month – and it is increasing every year. 


Still, don’t be intimidated by those figures, especially the up to $450 per hour rate. There are still many ways you can save money when hiring a lawyer and here’s what you need to do:

Choose your lawyer wisely

Just because you need them, it doesn’t mean that you can’t choose them. To save on legal fees, make sure you go for a lawyer that not only specializes on your case but also understands your cause and someone you are comfortable dealing with. You can also go for lawyers who are solo practitioners or belong to a smaller firm since they charge less compared to those who are part of big firms. Ask for recommendations as well since this could also help lower the fees. 

To help you better, you may visit gemancriminaldefense.com to find a defense lawyer to find the best fit for you. 

Discuss and negotiate 

Don’t be embarrassed to talk about fees, especially during the initial interview, which is usually free. You need to know what you are paying for, the lawyer’s billing practices, inclusions and exclusions, and payment scheme among many others. This will give you an idea on whether the person you are hiring for legal services is fit to your budget. 

Then, go ahead and negotiate. If you want to save money when hiring a lawyer, don’t just accept the lawyer’s proposition, especially for hourly rates. Instead, offer alternatives, compromise, and be honest about your budget. You can also examine the case and see if attorney’s fees can be awarded since this will save you money as well. 

Limit phone calls and emails

This is applicable if you agreed on hourly payment scheme. Keep in mind that “time is money,” which means every minute spent answering your calls and messages equate to costs that you have to pay. 

If you want to save more, make sure you provide all the necessary information needed in your case, including documents, timeline, and narratives, as early as possible. The more informed your lawyer is, the easier for him to devise strategies to help you win your case. 

Schedule meetings to keep you updated as well. During meetings, make sure it is meaningful, relevant, and related to the case matter. This way, you don’t have to be billed for the hour you spent talking about something that is not related to the case.  

Help your lawyer to lower your costs 

Your lawyer knows the law, but this doesn’t mean you cannot help. You can do some things to help your lawyer such as making necessary phone calls, delivering needed documents, or even doing factual investigation. It could be tiring on your part, but if your lawyer agrees, you can save a big amount. 

Consider contingency fee agreement

This is ideal for cases involving sexual harassment, negligence, physical injury, wrongful termination, and racial discrimination. 

Under the contingency fee agreement, the lawyer will work on your case without charge unless you win. Once there is judgment, your lawyer will take a percentage from the award, which is often pegged at 33 percent. 

Contingency fee sounds appealing, but be careful on other fees associated to your case. You might be asked to pay for filing fees, expert witness fees, and other expenses, which are not covered by the agreement. Ask about these fees first and then negotiate the terms of payment. 


Respond quickly

You can negotiate all you want, but do you really want to know how you can lower your costs? Make sure you work closely and cooperatively with your lawyer. 

What you can do is to stay involved in the case as much as you can. Your lawyer should consult you first before requiring the need for certain witnesses or documents, which often equates to additional costs. Always respond to your attorney’s requests for information, especially when deadlines are involved. Otherwise, delay could lead to additional expenses that you have to shoulder. 

Check the billing statement

By this time, you and your lawyer already agreed on the payment scheme and billing schedule. He sent you a billing statement, which enumerated every correspondence and appropriate fees. 

Don’t take it as it is. Make an effort to review the statement and don’t be embarrassed to contest or clarify matters that you think should not be included in the bill. Any overcharges could be an oversight by your lawyer, so make sure to clarify. Check if there is any increase in rates, which is not included in the agreement. Otherwise, you will pay more than what the lawyer actually rendered. 
Hiring a lawyer can be costly, but this doesn’t mean you cannot do anything to lower the rates. Take note of these tips to save more without compromising the lawyer’s quality of work.

Making More Money Off Of Your Property

If you own a house, you’re doing quite well in the money department already. Even if you’re slowly paying off a mortgage, you’re in a stable position with good debt on your side and the chance to go higher and higher if you wanted to. However, sometimes we aren’t making as much money as we need to keep ourselves living a comfortable life. If you’re finding yourself in this kind of situation, and you don’t have many assets to your name other than the property you live in, this is the list for you. 

Rent Your Place Out (or just a room)

And it doesn’t even have to be the entire house! This is a good idea for anyone who tends to travel a lot, either for work or personal reasons, and can make you a steady income month by month. It’s also a great idea for anyone with a spare room who doesn’t mind sharing with a stranger from time to time. 


But where can you find yourself a lodger? It’s not like anyone in your neighborhood is in desperate need of another house! Instead, turn to letting agents to better find someone who is in desperate need of your room, based on your location and client availability. 

Rent Out Your Driveway

Almost everyone has a car, and because of that parking tolls can be extremely expensive. This is where you can come in! Rent out your drive to make some quick money day by day, and still at a cheaper rate that’ll make your desirable. 

If you do have a driveway, and you live in an area near to local amenities or an airport, your drive really could be a prime bit of real estate. There’s a lot of websites out there in which you can find people looking for a cheaper car parking spot per day, and you can make an extra thousand or two per year because of it! 

Become a Backdrop

And by this we mean turn your home into a film or TV set for a few days, and earn hundreds by simply staying out during an allotted time. In the media business people are always looking to save money when it comes to needing areas to film in. So if a company doesn’t have to build their own interiors because they have other options, it’s a great place for you to step in. 

If you live somewhere interesting, or particularly open with fun decorations, or in a place that has high traffic due to its city status, make sure you sign up to a site to advertise your home. 

There’s quite a few ways to make money off of your property, and they might be in ways you didn’t even think was possible before. Make sure you look into these options if you’re at your wits’ end with clutter and online work; you have some real estate in front of you that can be put to very good use when you need to.

Creating A Home-Office On A Shoestring

Once upon a time, the idea of having an office in your home was nice. That’s all. It was a nice-to-have something that added a bit of sophistication to your home when you didn’t know what else to do with a space. Nowadays, though, having a home office is slipping into the category labelled ‘essentials’. 


More and more people are a) working from home full-time or b) working from home some of the time, which is amazing but not without its problems, mainly costs. 

Well, to help you with this, we have pulled together some super-useful tips to help you, the frugal work-from-homer, to create a home-office on a shoestring budget without having to compromise on quality. Oh, yeah, it’s possible; it’s totally possible.

1. Made To Measure

First things first, there is absolutely no point in grabbing yourself the bargain of a lifetime if it isn’t going to fit up your stairs or in your office. That is money down the proverbial drain and that, dear friend, is not an effective way to spend money. Think of it as financial planning, if you like. Our advice: don’t buy anything without measuring your space and plotting what you want to go where. 

2. Essentials Only

That is the mentality you need to stick with, at least at the beginning. You need to make a list of the office-essentials and stick to these until you have gotten them in place and up and running. We’re talking desk, chair, shelves, printer and a computer of some sort. That’s it. 

3. Be A Savvy-Shopper

It isn’t how much money you make that makes you rich, it is knowing how to save money when you spend that is the real secret. That means knowing which sites are best for buying good value used-furniture, it is knowing a supplier that sells cheap ink cartridges, it is knowing which online companies are reputable with good returns policies. That is what you need to know. It’s as simple as that. 

4. DIY Saves Money

If you don’t know how to hold a screwdriver - or immediately think about cocktails when hearing the word screwdriver - then it may not be wise to do any DIYing yourself. If, however, you think you can get by, then definitely opt to put furniture together yourself, as well as put up shelves and whatnot. Of course, don’t get carried away. In fact, knowing your limits is one of the best things you can do when looking to save money. 

5. Know Where Bargains Lie

Flea markets, yard sales, auctions, refurbished item sellers and online sites are all amazing places to browse when it comes to bits, bobs and tidbits for your office. After all, there is no point going to such and such to buy a $120 filing cabinet when someone two-streets over is selling there perfectly good - but used - one for $15 on Facebook Marketplace. That’s how to do it. 

6. Get Organised, Okay

Okay, so you may not be spending money per se, but not being organised means wasting time and that tends to equate to wasting money, which is why you need to make sure you know how to be organised. It really is as simple as that. 

Business Partnerships: Your Best Bank Or Biggest Blunder?

You do need to be careful when you enter a business partnership because it can either cause your profits to balloon or destroy your company finances. The outcomes could be that different, and of course, it all depends on who you actually get in bed with. You need to make sure that you making the right decision here, choosing a company that you can trust and who do have the potential to take you to the next level on the market. So, what do you need to think about when you do form a business partnership?

Business Partnership

Get Legal Assistance

First, do make sure that you have a cracking legal team to help you out here. It is important to understand that when you form a business partnership, you will be dependent on that company in some shape or form. The simplest example to look at would probably be a supplier. If you get a new supplier, you need to feel confident that they are going to continue to provide you with the items that you need. If you don’t get the materials, you will almost certainly face a loss, and if the contract isn’t ironclad, they can stop the supply without losing anything. Trust is beneficial in these types of transactions, but you should make sure that you are legally covered if it turns out you can’t trust your business partner to carry through with your deal. 

We strongly suggest that you also look at when your invoices are going to be paid. Ideally, you want these invoices to be paid as quickly as possible. If they are left hanging over your head, it will again, be your company carrying the loss here. A legal advisor can make sure that when you make the deal, your new partner would not dare to leave you in this type of position. 

Check The Rep

You do need to make sure that the business you are forming a partnership with does have a solid reputation on the market. Some businesses like Mills CNC actually have built their business purely on a solid reputation, and this is exactly what you want when you choose to form a deal with a company. You need to know that you can depend on them completely. 

If you want the best info here, it’s best to head straight to the customers who have used the business before. Usually, there will be a list of companies that a business has worked with. So, you might be looking for a new marketing team. Check out the companies the service has provided marketing for and make sure that you like the results of their work. 

Communication Channels

Finally, make sure that before you agree to make a deal with a business that they are easy to get a hold of. They should have various channels that you can use to contact them and get the support that you need. The last thing you want is to find that your business partner is missing in action when you need them the most.

How You Can Take Google's Most Talented Employees

Every entrepreneur fantasises about offering the kind of mouth-watering workplace perks that Google offers its employees. The problem is a little tiny thing called money. It’s not so much that you can’t afford to offer amazing company benefits, it’s more that you can’t afford to offer all of them and so, well, you’re kind of left tapping your chin wondering which perks are the best value; you’re left wondering which perks will open the most eyes on a job description. 


The reason you’ve been wondering this is simple: people no longer prioritize a salary; they want to work somewhere that feels amazing, somewhere that creates a positive environment and gets those creative juices flowing. That is what some of the more modern-day perks offer. 

So, without further ado, here is a list of benefits so cool you may have Google employees leaving their current jobs behind in order to work for you:

1. Forever Flexible

Nowadays, schedules and routines are more redundant than the Spinning Jenny. They make employees feel suffocated. It makes people feel like they don’t have control over their lives. And that is why flexible working benefits are so popular among the top talent out there. It is about letting your talented employees work when they want and from where they want and, apart from the right software, all that takes is a renewed attitude; it means measuring employees on performance, not hours. 

2. Feed Their Appetite

The way to a talented individual’s heart is through their stomach. It’s as simple as that. Now you may not be able to go down the Google route of having thirteen free cafeterias that serve lobster thermidor on a daily basis, but you might be able to bring on someone that specialises in catering for businesses. Of course, if that’s a stretch too far as well, then try out one of the new trends and hand out donuts at meetings, have a snack pantry, offer meal discounts and have bowls of fruit dotted around. Happy bellies, happy employees. 

3. Are You Not Entertained?

You may have noticed that offices have started to look more like playgrounds than places of business, and that’s because entrepreneurs have come to accept that an overworked and unhappy employee is a far cry from a productive one. If you want to go down the whole basketball court route, then feel free. However, something as simple as a few comfy sofas, a pool table and having a local band coming to play a live gig once a month could be all you need to make smiles appear and top talent start knocking. 

4. You’d Be Mental Not To

According to some serious scientific research, 50% of people will experience mental health issues at some point in their lives, while 25% already battle them. That is why so many companies are doing all they can to improve their environments and boost their hiring processes. Some are offering incentives to help people quit smoking, others make free gym-membership part of their perks package and others simply try and reduce the stigma surrounding mental health in their office spaces. Whatever you decide is best, you’ll find top talent starts to approach you as a result, while the performance of your employees improves, and dramatically too.

Times In Life You Should And Shouldn't Borrow To Buy

Borrowing money is a fact of life. You may meet people who treat borrowing money as something similar to a cardinal sin. But this is ridiculous and to prove that you only need to think about the times in life when you do need to borrow. You need to borrow to go to college, buy a house or really any item that is beyond your paycheck. How about when you get engaged? You are supposed to spend three times your monthly paycheck on that special ring that will signal a key change in your life and be a declaration of your lasting love. How do you do this if you don’t have the cash you need. The simple answer here is you can’t. You have to borrow. But that doesn’t mean that you should always borrow. So let’s look at some times when it’s the best course of action and a few others when it is the worst. 

borrowing for a home

Borrowing For A Home 

Don’t wait until you can afford to buy a home outright because you’ll be waiting all your life. Or, you’ll have to buy a home with so many problems that you would have been better taking out a loan anyway. It’s worth pointing out at this point that a mortgage is nothing more than a home loan. You don’t own the property, the loan company does, and you’ll be paying it off on a monthly basis slowly gaining a firmer grip on the property. 

The trick when borrowing to buy a home is to borrow as little as possible. You can start by gathering as much money as you can for a deposit. Be aware that there are government incentives available that may be beneficial here. There are schemes where if you save so much, the government will add to your funds to encourage young buyers to jump on the property market. You can also look to borrow from family, and the benefit here is that they, hopefully, won’t charge you interest.

home interest rate

Do make sure that you use a mortgage broker here as well. Otherwise, you might not be able to access some of the better details that aren’t advertised to the public. 

Home Repairs

Let’s say that you have a faulty boiler in your home. You’re probably going to want to repair it using a service like bunnings.com.au but if you don’t have the money, you might wait. You might build up your funds until the point where you won’t have to borrow any money to pay for it. This is a mistake because while you’re waiting and saving up funds the issue is almost definitely growing worse, slowly but surely becoming more expensive until ultimately you might need a replacement. If that happens, you could be looking at a bill of at least 10K, and you don’t want that. 

Instead, you should borrow. With sites like brighterfinance.com.au, you can calculate loan repayments and make sure that you will be able to afford to pay it off at a reasonable level of interest. That way, you can get the repair that your home desperately needs and avoid getting into a loan that you can’t handle. 

Buying A New Car

This is a little bit of tricky one because, in all seriousness, you shouldn’t be buying a new car at all as you can see on autoexpert.com.au. New cars are money drains and they will slowly, but surely bleed you dry. Now, a lot of people say, hang on a minute, buying a preowned car will cost you just as much? You’ll have to pay for repairs and fix issues to make sure it passes it’s MOT each year as soon as you purchase it. Well, that won’t be true if you find a great car on the market and they do exist. You just need to find a dealer. Now, you might still need to borrow a little cash to pay it off but it will be a much smaller amount, and you should have no issues handling a loan like this. 

buying a new car

Getting To The Next Payday

Finally, you might be considering borrowing to get to your next payday. These loans are often easy to get, require no credit checks and come with insane levels of interest. You’re better off just using a credit card if you are low on money in a month. That way, you should be able to pay the cost off before the expense becomes completely unmanageable. 

We hope you find this advice helpful and use it when deciding whether you should or shouldn’t borrow to buy.

Cutting Corners Could Cut Your Profits In These Three Areas

When you’re starting a new enterprise, it’s natural to want to cut corners. In an ideal world you would play the long game. But, that isn’t realistic for most of us. Let’s face it; starting a business is expensive. So, we save where we can, and go down the middle whenever there’s a choice between that or the long route. 

Cutting Corners

For the most part, it’s the best way to go. You don’t want to end up in debt from the start. But, in some instances, cutting corners could cost you money. And, when that happens, you’ll be in big trouble. You’ll develop a bad reputation before you manage to build a good one. 

To make sure that fate doesn’t await you, consider these three areas in which cutting corners could be costly.

Staff training

It’s sad but true that a shocking amount of companies skimp on staff training. As well as being expensive, courses take staff away from the workplace. That means lost profits. And, you still have to pay them for their time. It doesn’t get much more expensive. But, adequate training is essential for providing the best service. And you should want to provide the best if you expect to see any form of success. And, proper training is also essential for keeping staff happy. No one likes to do a job they feel unprepared for. By offering training packages, you can ensure happiness, as well as appealing to the right applicants. Individuals are more likely to stay with you for the long-term if they’re getting qualified in the process. 

staff training

IT solutions

Another area in which you can’t afford to cut costs is your IT operations. No matter what your enterprise, the chances are that smooth running in this area is essential. And, you can be sure that things won’t run smoothly for long if you cut corners on your solutions. We all know that computers are unreliable at the best of times. If your system fails or malfunctions, you could lose a fortune without a disaster plan in place. To make sure that doesn’t happen, contact companies like Qoverage who can take control. You will need to pay an ongoing amount for protection here, but you can be sure that the expense will save you in the long-run. 

Product trials

You don’t need us to tell you that product trials are important for improving your business. This is where you iron out the kinks and make alterations suggested by members of the public. But, trials cost money and take time, neither of which you want to give away. As such, you may be tempted to skip the trial process and go straight to market. Don’t do it. On a basic level, this could result in a product which doesn’t appeal. In the worst case scenario, a product may malfunction and lead to a lawsuit. And, you can be sure that’ll cost more than trials. So, always, always, send products to a focus group before letting them loose.

The 6 Best Business Opportunities to Consider in 2018

Have you got the determination and passion to start a business, but lack an idea? All you might need is a little inspiration to help you get started. That’s why you need to read more about the six best business opportunities to consider in 2018.

1.Become a Mobile App Developer

Mobile applications continue to grow in popularity, and can provide entrepreneurs with an exceptional return on investment. People across the world will happily pay good money to manage their lives from their smartphones and tablets. All you need to do is come up with a mobile application idea that you believe will sell; you can then hire a talented developer, and you could also utilize digital banking services from Cambr to encourage transactions.

business ideas

2.Start Self-Publishing

Would you like to earn up to $1 million within the next twelve months? You should consider following in the footsteps of the many self-published authors who have done just that. Focus your time and attention on writing a compelling book that will grab your audience. Don’t forget, people often judge a book by its cover, so make sure it complements the content. The better your book, the more sales you will receive.

3.Share Your Expertise with Online Teaching

Have you got the expertise you believe is worth sharing with others? Turn your knowledge into a business. All you need to do is start selling your skills online. For example, you can publish helpful video content on YouTube, which you can monetize with ad placements. You could also charge an hourly rate to students for Skype lessons, or you could sell your consultancy services via a personal website.

4.Start a VR/AR Company

According to reports, the virtual reality software market may generate $108 billion in revenue by 2021, and you could potentially grab a share of the sales. Before you do, you must become familiar with both VR and AR experiences, before coming up with a novel idea on how to capitalize on the popular market. For example, you could launch a business to connect companies with VR/AR software specialists.

5.Become an Influence Marketer

2017 was undoubtedly the year for influencer marketing, with brands large and small turning to influencers across social media to promote their products and services. You can, therefore, trust that influence marketing will become the driving force behind many brand’s marketing campaigns in 2018 and beyond. While it can take time to build a loyal following, there is no time like the present to start growing your audience to potentially generate a profitable income for publishing blogs or social media posts.

6.Set Up an E-commerce Website

Consumers want to purchase unique products that complement their lifestyle, which is why many online users are turning to e-commerce websites over in-store brands. It is one of the most effective ways to start making an income online, and you will need to sell a great product at a competitive price, which should be complemented by a user-friendly experience and exceptional customer service. While you will be going head-to-head with more established brands, you will enter the industry with a fresher outlook to sell your brand and products to the consumer.

5 Services That Make Financial Sense For Your Business

When it comes to the world of business, it’s safe to say that you’re always going to want to make sure that you’re investing wisely. Because it’s never a good idea to want to throw money away on anything, or make poor decisions that will impact on the success of what you’re doing. Instead, you want to make sure that every decision you make is beneficial to your business. Not only does this mean that it should give you results and ensure that your business flourishes in some way, but it should make financial sense too. And there are always going to be services to hire that can do this for you. So let’s take a look at 5 services that are always going to make financial sense to hire for your business.

Business meeting


First of all, there’s website development. While you could definitely think about doing this yourself, and struggling on with what you’ve got, this attitude will only ever take you so far. Because if you’re not a professional developer yourself, your website will always look amateur. And as you want your business to grow, your website will need to support that. So it’s always going to be in your businesses best interest to hire a developer. It’s also going to save you a lot of time too.

Social Media Assistance

The same very much goes for your social media too. Because you know that you need someone to take this on for you, but it’s not necessarily going to be the case that you have to do it yourself. Because it can be time-consuming and your efforts are best utilized elsewhere. So take the advice that Act-On.com suggests to find the right person. By hiring this service, your business promotions are covered, and you can work on further growth tactics.

IT Support

From here, there’s then IT support to consider. Because when you have IT issues, it can really slow you down. But when you bring in the right service, such as MusardIT.co.uk, those issues are taken off of your hands. Not only can an expert iron them out, but it will often stop your business from being held back too.


Then there’s security to think about. And we don’t just mean online security - which you should be taking seriously, but also physical security. Because when you have a business premises, you really don’t want it to be at risk in any way. If you were to have a break-in, it could impact on your operations. So investing in security is a small price to pay to stop that from happening.


Finally, there’s also accounting to consider. And this really does make a lot of financial sense. Because accountants can help businesses in a range of ways. Not only will they take the pain of your taxes off of your hands, but they can also provide you with a range of financial advice that could improve your business operations too.

How to Employ the Right People

Employing the right people can be a difficult task, and if you run your own business, you know how difficult this can be. A lot depends on hiring the right person, and if you have a small business, then a lot can depend on on who you hire, even the success of your company can. There are, however, loads of great candidates out there, and more than one which would be great for you and your company

Employ the Right People

The person is also very important, and can be even more so than what they look like on paper. Hiring people can be a difficult process, and many employers find it a testing and stressful time. Having a person join your team will ultimately be a great thing for both you and your company, so keep that in mind when going through endless CVs and interviewing lots of different people. Read on to find out some great ideas when hiring people, and how to find the candidate that is the best fit for you. Do your own research as well, to find who will be the best for this role too.

Where You Advertise

This is really important, and can affect what kind of people end up applying to the role. Of course online is the standard place to advertise jobs, and popular job websites will get you a whole range of people. They are great because you can reach people further afield, that could potentially more qualified for the role you are advertising. There are also other places you can advertise as well. If you have a small establishment and just want to hire part time or weekend staff, a simple sign in the window will probably do. 

If, on the other hand, you are looking for graduates, there are certain places you can show the job advertisement. Many colleges and universities in your local area have their own job sites for students and graduates. If you specifically want to advertise to graduates, then here would be a great place to show the job. You can also click here for headhunters. There are lots of sites that are specific like this, but advertising on popular sites can get you a broad pool of candidates for you to choose from.

The Person 

The person you are looking for for this particular role will of course vary, but there are a few key things to keep in mind when hiring someone. If a candidate looks great on paper, but their personality is not a great fit for your team, then of course they would be a bad option. If, on the other hand, someone does not look that outstanding on paper, but they really impress you when you meet them, they would usually be a better option.

There are lots of great candidates out there, and many people would probably fit the role you are looking to fill. Sometimes the person matters a lot more than experience, so go with your gut instinct when it comes to making these kinds of decisions.

Tax Planning Tips for the Millennials

Being in your 20s and 30s is an exciting time of your life. You commence your career in your early 20s and by the early 30s; you may have your own home. You may even start investing or become an entrepreneur to increase your income.

Unfortunately, when you earn more money, you end up paying higher taxes. Proper planning beforehand to reduce your tax liability by taking advantage of all tax benefits is important.

Tax Planning

Before you start looking for ways to save tax, it is important you determine your taxable income. Your total earnings are not taxable because certain deductions are available. Once you determine the taxable income, consider tax-planning options to reduce your liability.

Here are six tax-planning tips for enterprising ‘millennials’ like you.

1.Know the savings amount

Section 80C of the Income Tax Act allows maximum deductions of INR 1.5 lakh for eligible investments. These include National Pension System (NPS), tax-saving fixed deposits (FDs), National Savings Certificate (NSC), Employee Provident Fund (EPF), and Equity-Linked Savings Scheme, popularly known as ELSS funds. However, you may not need to invest the entire INR 1.5 lakh because there may be certain deductions such as insurance premium or contribution to EPF that is compulsorily made from your income. Therefore, know the amount you need to save according to section 80C before making investments.

2.Avail of health insurance

When you are young, you may be healthy, and do not worry about medical expenses. However, as you grow older, there is a higher risk of suffering from medical conditions. Furthermore, health insurance premium increases with your age. In addition to saving the premium amount, health insurance premium is eligible for tax benefits as per section 80D of the Income Tax Act. An amount of up to INR 25000 for health insurance availed for self, spouse, and children are eligible for tax deductions. The amount increases to INR 30000 for senior citizens.

3.Retain bills and receipts

Your salary may include benefits such as Leave Travel Allowance (LTA), medical expenses, and telephone bills. To avail of all these benefits, you will need to show proof and therefore, you must retain various bills and receipts. You may retain these documents digitally to ensure these are not lost or damaged.

4.Life insurance cover

When you first start your career, you may not consider life insurance cover as important because you have no dependents. However, you may have certain liabilities like an education loan. In case of your untimely demise, your parents may have to repay the loan, which may cause financial distress for them. As you grow older, you will get married, and have a family. Have you considered what would happen to them in case of your premature demise? To avoid this situation, avail of a term insurance plan to secure your loved ones. In addition to financial security, the insurance premium is eligible for tax benefits according to section 80C of the Income Tax Act.

5.Regularly save

You may choose from several of the best tax saving investment options to reduce your liability. You may opt for fixed-return products like NSC, FDs, the Public Provident Fund (PPF), and EPF. Alternatively, you may choose market-related instruments that deliver higher returns albeit at an increased risk. Some of these include NPS and ELSS funds.

6.Avoid inaccurate products

Financial instruments like Unit-Linked Insurance Plans (ULIPs) or traditional endowment policies also offer tax benefits under section 80C of the Income Tax Act. However, these often deliver lower returns when compared to other best tax saving investment options. Therefore, investing in such instruments must be avoided.

There are several ways to reduce your tax liability. It is important you understand and evaluate all these options because tax saved is income earned. You may seek expert advice from experienced professionals to maximize your benefits.

Alternatively, you may use technology to learn ways to save tax. Advanced investment engines like the ARQ investment engine, an integral highlight in Angel Wealth’s mobile application do just this for you.  ARQ uses technically advanced quants and algorithms to analyze over a billion data points. These are then matched with your financial goals, risk appetite, and investment horizon to offer customized recommendations.

When compared to other similar investment engines, ARQ executes the entire analysis through automated algorithms. Therefore, there is no human intervention eliminating all bias. You receive recommendations that are made by machines, which ensure these are the most beneficial options for your requirements.

Download the Angel Wealth mobile app today, start investing to reduce your taxes, and save money.

Why Saving Tax Shouldn't be the Only Reason to Buy Health Insurance

Opting for a health insurance plan has become a necessity. With rising medical costs, making out-of-pocket expenses is a huge financial burden. If you do not have an accumulated corpus, you may have to borrow funds from a financial institution or your friends and family. This is where a health insurance plan comes in handy. Such a policy offers numerous benefits and allows you to focus on your recovery instead of worrying about finances.

Health Insurance

One of the greatest benefits of a mediclaim policy is the tax benefit it has to offer. According to Section 80D of the Income Tax Act, 1961, the premiums paid towards the policy are deductible from your taxable income. While individuals may claim tax benefit of up to INR 15,000, senior citizens may avail of tax benefits up to INR 20,000. You may, therefore, avail a maximum deduction of up to INR 35,000 from your taxable income.

Although you may enjoy tax benefits, it is important to note that health insurance policies offer greater benefits. Following are four major advantages of investing in a health insurance plan.

1.Coverage against rising medical costs

Insurance providers offer financial coverage against numerous hospitalization expenses, including in-patient care costs, surgery costs, alternative treatment expenses and domiciliary hospitalization expenses, among others. The financial burden of meeting exorbitant medical expenses is, therefore, reduced.

2.Benefit of top-ups

Most health plans offer the option of top-ups. Such top-ups, also known as riders, enhance your overall insurance coverage. You may select the rider based on your needs. For example, you may opt for a critical illness policy rider over and above your existing health plan in order to cover life-threatening diseases such as cancer, kidney failure, and third-degree burns, among others.

3.Cashless benefit

Many insurance providers offer the benefit of cashless hospitalization services. This means, the insurance provider settles the medical bills directly with the hospital. You do not have to worry about making cash arrangements in case of a medical emergency.

4.Option of renewal

If you chose to buy medical insurance during the later stages of life, it may become difficult to obtain an approval on your application. However, healthcare plans come with an option of renewal up to a high age limit. A policy renewal feature, therefore, allows you to enjoy the benefits of your insurance policy even when you reach a higher age limit.

Thus, a health insurance plan offers several advantages, besides providing tax benefits. So, instead of only focusing on tax deductions, you may avail of a health insurance to enjoy all the benefits and have peace of mind knowing that you are covered at all times.

4 Reasons Investing In A Website Is A Savvy Move

An investment makes you think of stocks and shares, real estate or precious materials. So, to sponsor a website sounds a little strange. Isn’t that what businesses do to boost their bottom line? Yes, but it’s also something any entrepreneur can do to secure a healthy return on investment. Sites are the current kings of making money, and the trend isn’t about to slow down anytime soon. If you need extra convincing, below are four reasons this step is a savvy move. Once you read the following, you may never look back.


Unparalleled Growth

Buying a site as an investment is a relatively new craze, so it’s hard to pinpoint the ROI. However, the info https://www.cloudincome.com/website-investment// seems to show that it’s a lucrative business. The experts agree that, on average, you can purchase a site for one to two times its value. As an example, the link above uses a buying price of $36,000. According to them, this would suggest a return of 66% per year. Real estate only averages 12%, whereas a small business is around 25%. Stocks and shares can plummet so fast that you lose everything. Only Bitcoin is on a par, but the share price suggests this is about to change. 

Indirect Revenue

Say you don’t buy a site but invest in one through a different means. Let’s consider the example of advertisement. The way it works is simple: you pay a website to promote a brand. Cynical people think this has no impact on the advertiser’s bottom line yet the figures suggest otherwise. Www.madebymarket.com/help/ads/ reckons Google AdSense makes $10 per CPM. A site which has endless amounts of traffic can make a small fortune from a Google partnership alone. That is without factoring in how many people make a conversion based on third-party ads.

Better Security

Why would anyone invest in a resource which is unsafe? After all, a hacker can break in remotely without too much effort. At least, that is how the uninitiated think it works. The truth is that lots of companies such as https://www.prosyn.co.uk/it-support-packages-london.php exist to stop breaches. Gone are the days when a free antivirus program was the only hurdle to prevent theft. Nowadays, digital security features include malware and Trojan horse software. There are even resources to make cloud computing less risky. As long as the people in charge are security savvy, there won’t be an issue.


Usually, an investment leaves you powerless. Stocks and shares are subject to the market, while property goes up and down based on demand. Sure, you can spruce up a living room, but there are lots of external forces still at work. Sites are different because you have the key and can do whatever you want to improve the platform. Changing content, social media interaction and customer service are three ways to boost traffic. Once this happens, the opportunity to make money grows and your investment will too.

It may be new, but the factors above show it to be well worth a gamble.