Blog Blog Copyright by en Sun, 05 Feb 2023 03:40:58 -0500 Estate Planning vs A Will

We all have heard the terms "estate plan" and "will" thrown around in conversations. They may seem like they have similar meanings, but are they the same thing?

Find out the difference and similarities between planning a will and estate planning and how they ultimately compare and contrast.

Estate Plan

An estate plan can be a simple list of instructions for your children, or it can be an extensive document that you and your legal counsel provide for the purpose of conveying specific instructions about where your belongings should go and how your assets should be managed.

By comprehensive estate planning, you can save money on taxes because it will reduce the amount of estate taxes owed to the government. The more detail you give in your estate plan, the lower the total tax owed will be.

Estate planning can also reduce the amount of time it takes for your legal affairs to be straightened out after you have died. Having a detailed estate plan can help your next-of-kin, and family members easily understand the specifics of how you want your property distributed to each individual and what the wishes are for managing certain pieces of property.


A will is simply a legal document that states who gets what you own when you pass away. If a person dies without a will, they're said to have died "intestate." In other words, the local or federal government determines how their assets will be distributed.

A will is typically created at the end of your life when you are in good physical health. A will is useful for those with minor children and those who do not want to leave their assets to their spouse. A will makes it clear who should get what you own, thus avoiding any legal complications after your death.

Since a will can be created and executed at any time during your life, it's important to see a good lawyer and have them review your will to ensure that it is clear, complete and legally valid. A lawyer can help you craft a will that meets all requirements.

Advantages of Estate Plans over Wills

There are a number of advantages to the use of estate planning over a will. For example, it can help save money on taxes since a detailed estate plan will reduce the amount of tax that is due in the future.

When you create an estate plan, you will have the ability to save on taxes. Your tax savings will be based on how much money you have saved within certain accounts and how much that money is worth.

And speaking of savings, another advantage of creating an estate plan is that it can help your family members better understand where their money should go after your death. This can make the process a lot easier for them, and it may avoid a lot of bitterness during a family dispute over the distribution of property.

Estate planning can also be useful for those with minor children who don't want them to inherit from an unfit parent. Having a detailed estate plan ensures that your minor children will be in the best position possible after your death.

Disadvantages of Estate Plans over Wills

Just like there are advantages to creating an estate plan over a will, there are also disadvantages. The biggest disadvantage of estate planning over a will is that you are gambling on the quality and nature of your loved ones. If the people close to you have opted to not have a detailed estate plan, then there's nothing you can do to force them to create one. An issue that can happen when your loved ones don't follow their instructions after your death is that they might not know what they should be doing.


While it's true that both estate planning and wills can simplify matters when it comes to your legal affairs after you die, both should be considered as part of a comprehensive plan. If you don't have a will, then it is wise to create an estate plan. The more detail you put into the estate plan, the lower the total tax owed will be. And if your loved ones are unable or unwilling to follow your instructions after you die, they might not know what they should be doing.

Uncategorized Editor Sat, 21 Jan 2023 23:10:56 -0500
What Is A Dedicated Server? How often do you hear your friends talking about game servers during a Saturday night session and have no idea what they’re talking about? You’ve probably heard how important they are for a smooth night of gaming, but what do they really do? Can they be bought? Rented? If we’re using a dedicated server, does that mean it’s dedicated only to us, or are we dedicated to it? 

The language can be intimidating, but it’s really quite simple. A dedicated server, in plain terms, is a type of private, remote server that is exclusive to an individual or group of people who hold the lease on that server; therefore it isn’t shared with anyone else. 

Comparatively, a public server is accessible by anyone regardless of location. If you connect to a public server, your IP address can be seen by anyone else connected to that server, meaning your data can be accessed by others as well. 

In regards to gaming, the goal of a dedicated server is to provide an exclusive experience for a gamer or group of gamers to improve performance, reduce lags, and improve gameplay stability, without interference from other players. Common benefits of using a dedicated server in gaming include an excellent gaming experience, high amounts of CPU (central processing unit) power and RAM (random access memory), various customization options, around-the-clock support, and a boosted level of cybersecurity. 

What Are The Most Popular Uses for Dedicated Servers? 

Dedicated servers are most commonly used for high-traffic websites or applications with high levels of risk or numerous tasks that can be complicated. Companies want to ensure that their data is as private as possible. Dedicated servers can provide peace of mind in beefing up your data security. 

Companies often like the ability to configure their servers without restriction. This provides an added layer of control and security over their data. Security breaches in dedicated servers are highly uncommon and ensure that there's nobody on the outside trying to get to your information. 

Similarly, gamers like the ability to boost their control, security, bandwidth, and performance by opting for a dedicated server or dedicated hosting. Online streamers need to ensure that their streams go smoothly without interruption or being compromised. These servers are “self sufficient”, allowing gamers and streamers to continue playing even when offline, and provide a seamless and uninterrupted gaming experience. 

Dedicated servers are also popular in email services. In this case, owners can allocate company email addresses, monitor communications, and set file attachment limits. This provides security in data sharing between employees in a company, and is particularly important for highly sensitive information, like in healthcare companies for example. 

Are There Disadvantages of Dedicated Servers?

Not everyone is in need of a dedicated server. Managing these servers requires a level of technical expertise that most people don’t have. Public servers do a lot of the heavy lifting for people that can afford a hands-off—or less strict—approach to their data storage. 

Public servers are often less expensive than private dedicated servers and are highly secure in their own right. Dedicated servers require a lot of maintenance and operations costs that public servers do not. 

Dedicated servers do provide a higher level of security, but the owner is responsible for monitoring that security manually. A dedicated server is generally monitored and managed by an in-house IT team that knows its ins and outs. This can be expensive and time consuming, and most smaller companies or individuals don’t have these resources. 

Conclusion - What Is A Dedicated Server?

Though not everyone needs to use a dedicated server, if you can afford to do so, have the expertise to manage and monitor it correctly, and are in need of better performance, higher security and customization options, and better support 24/7, it’s a very solid option. 

For high-level gamers and streamers, you won’t find better gameplay execution on a public server. Customize your experience, reduce lags and performance issues, and seamlessly cruise through a night of gaming with peace of mind it will go uninterrupted. 

Uncategorized Editor Fri, 06 Jan 2023 22:56:08 -0500
Choosing between Online and In-person Loans Nowadays, most consumers use technology to acquire financial goods rather than the conventional application procedure because of its accessibility and ease. Through online applications, lenders now provide entirely paperless loans. However, the offline way of applying for a personal loan is still around. Many still apply for loans by going to the lender's branch office. That brings us to the question of which option is better Online Loan or an In-person loan? Read this article till the end to know.

What is meant by an Online loan?

Online loans let you complete the entire borrowing process, from prequalification to loan funding, without even setting foot inside a bank branch. You also have the convenience of online installment loans with monthly payments.

When to consider an Online Loan?

Consider the reasons why you should get an online loan:

  •       When you're not sure how much money you'll receive or whether you'll qualify for a competitive rate, you can apply for prequalification to get an online loan.
  •       When you require the cash in less time or immediately, you can opt for an online loan
  •       When you don't have an existing relationship with a bank, you can apply for an online loan and lend money easily.
  •       When you have a low credit score or no credit history, you can opt for an online loan.  Some online lenders consider factors other than your credit score to determine eligibility. 

What are the Pros and Cons of Online Loans?

Online loans have various benefits, such as:

  •       No Collateral: Online loans are helpful because you may not always be required to put up any property as security for the loan.
  •       Flexible Repayment: Many online loan applications provide flexible repayment options to make it more convenient for you to pay back your loans.
  •       Growing credit limit: The applications offer larger maximums as you continue making on-time payments.

Drawbacks of Online loans include:

  •       Higher interest rates: A higher interest rate will apply since the loan is unsecured.
  •       Loan limit: Low maximum limit.
  •       Hacking: Due to the online nature of the entire loan procedure, they might be vulnerable to data hacking.

What do you mean by an In-person loan?

These loans are obtained in person at a physical location with their bank with proper documentation and proofs.

When to consider an In-person loan?

You can go for an In-person loan for the following reasons:

  •       You want to be safe from online fraud and hacking.
  •     To obtain favorable rates if you have a lengthy history with your bank. In-person loans are the best option if you want a face-to-face transaction.
  •       If you're not in a rush, the slower in-person loan application procedure can work for you.

What are the Pros and Cons of an In-person loan?

The pros of in-person loans are:

  •       Instant customer service: You may meet with a lender face-to-face and ask questions to understand the lending procedure better.
  •       Better terms and rates: You may be eligible for loyalty discounts or other special rates
  •       The capacity to offer context: When you meet with a lender in person, you may easily discuss any problems regarding your loan application. You can also explain anything that could make the approval process more difficult if you don't convey it.

The cons include:

  •       Longer application procedure: Filling out an application for a loan in person includes visiting the loan institution, either waiting in line or scheduling an appointment.
  •       Higher restrictions: Because banks are often subject to more regulations than internet lenders, they may have stricter requirements for borrowers' eligibility to get a loan.
  •       Eligibility for applicants: Credit unions usually only accept loan applications from current members.

Which one should you choose: an Online or In-Person Loan?

You can only decide to opt for an online or in-person loan after acknowledging the reason for taking a loan and the market research considerations.

If you require a loan very quickly or urgently online loan is better. These loans are comparatively flexible and facilitate easy payments. You can opt for multiple loans at the same time by being prequalified. Suppose you require a large amount, need guidance from the loaning authority, and have an existing relationship with the bank to enjoy loyalty benefits and customer-only rates. In that case, in-person loans are best suited for you.


Think about your finances before choosing the loan you want to apply for, and then select the best application strategy for you. An online loan is the best option if you seek speed and convenience. An in-person loan can be preferable if your demands are more complex and you have an excellent working relationship with your bank. Additional factors include APR, fees, loan terms and rates, and penalties. Good credit is one of the finest methods to obtain a loan, and the choice depends entirely on the purpose of your loan.

Uncategorized Editor Fri, 06 Jan 2023 02:49:45 -0500
Key Ways To Make Your Business More Transparent One key aspect of a successful business is the ability to be transparent. Being open, straightforward and honest about your company’s operations enables you to build trust with employees and customers. This helps boost employee morale and engagement while maintaining loyalty with patrons. Read on to learn how you can improve transparency internally and with your customers.

Promote Sharing

When it comes to enhancing transparency internally, consider having an open-door policy. This lets employees know that you value their input. Therefore, they are more likely to share their feelings, thoughts and ideas with the organization. Similarly, you can encourage sharing in business meetings by offering opportunities for employees to speak. This can help staff members open up and express their views and ideas.

Moreover, you can also share information about business performance with staff members, such as statistics and analytics. No matter if the data that’s presented is good or bad, it can help employees feel included and informed regarding the business’s operations.

How to Improve Transparency With Customers

Keep communications open. Whether it’s via phone, email or social media, it’s important to stay in touch with patrons, since they appreciate staying up to date on orders, services and even company changes with products or pricing. Most importantly, be sure to listen, respond in a timely fashion and encourage feedback. This lets your customers know you care and value them.

Provide a Peek Inside the Business

You can be more open with customers by showing them your operations. For example, you can add more windows to your business or post videos on social media showing how you create a product. This enables customers to get an insider’s view, allowing them to feel more engaged and connected with your brand.

Sometimes mistakes happen, and when they do, it’s crucial to own them. Inform patrons as soon as possible and express how you plan to remedy the issue. The sooner you address the problem, the better. Customers will most likely appreciate the transparency and see you as a trustworthy organization.

Say Thank You

Lastly, be sure to thank your customers for their loyalty. Whether it’s through email, social media or even letters, thanking your patrons makes them feel appreciated. They are also more likely to remain a loyal fan of your brand.

Consider trying some of these practices within your workplace. For more information on how to improve transparency internally and with your customers, see the accompanying resource.

Infographic created by Track Your Truck, a GPS tracking provider

Uncategorized Editor Thu, 17 Nov 2022 09:32:53 -0500
Which Areas to Buy Property in Brisbane When buying a home in Brisbane, it is essential to consider location. There are many locations to choose from. Some of the most popular areas are Highgate Hill, Yarrabilba, Carina Heights, St Lucia, and South Brisbane. These areas are a short drive from the Brisbane airport, and you can reach them with ease. It is important to if you do not have local knowledge to seek a professional realtor that can assist with background information, numbers, occupancy rates even services such as trades or removalists in Brisbane. A great realtor can provide you with all the information you need and help you secure a property.

Highgate Hill

If you're looking for a quiet suburb in the city that's not too far from everything, Highgate Hill is the area for you. With a median home price of under $500000, you can find a great place to call home in this area. And if you're an investor, you can benefit from the excellent rental returns, as well as the future growth of the suburb.


Located between the Gold Coast and Brisbane, Yarrabilba is a master-planned community being developed by Lendlease. The area will have more than 17,000 residential dwellings and approximately 45,000 people. It is an affordable suburb with lots ranging from 192 to 448 square metres. Land blocks can have frontages ranging from 10 to 18 metres. Yarrabilba can be a great investment.

Carina Heights

If you're looking for a new place to buy in Brisbane, consider Carina Heights, an area just 8km south of the CBD. It's a leafy suburb that's known for its Whites Hill Reserve. It's also close to Westfield Carindale, and there are several bus services that connect the suburb to the CBD. Great for families and close enough to amenities for families using Sunshine Coast removalists to move to Carina Heights.

St Lucia

St Lucia is one of the most sought-after suburbs in the city. This leafy suburb boasts a beautiful riverfront setting and a convenient location to the city's amenities. The suburb is also popular with university students, young professionals, and families who enjoy the convenience of city living. It also has strong rental demand, making it a great place for property investors. St Lucia also has great public transport options, including the Mooloolah train station and the city's buses. An excellent area in demand from working professionals and students.


Taringa is an inner-city suburb of Brisbane, located 6.1km from the city's CBD. It is an ideal place for those who want to live in a quaint and quiet neighborhood while still being close to the city and university precinct. It is also known for its pre and post-war homes, which have individual character and flair. In addition to the typical suburban feel, Taringa also features a good mix of public and private schools and is a great location for families. With a registered median house price of $1,537,000 and an annual capital growth of over 28%.


Ascot is one of the best areas to buy property in Brisbane, and there are a number of reasons why. The location is great and there are plenty of schools, parks, and cafés within walking distance. Families, choose to live in Ascot for the schools that fall within the catchment zone. The area is also close to the city centre and the new Brisbane Airport. This makes Ascot an excellent place to raise a family and live, leaving you as an investor only highly reliable prospective long-term tenants to rent to.

Logan Central

Logan Central is a great location to buy a property. This suburb is surrounded by green space and is a good choice for families, first-time buyers, and investors looking for a place to call home. A median house price of $475,000 provides an affordable entry for investors and first home buyers. Logan Central is also home to a number of commercial agencies that can help you find a suitable property.


In Brisbane, Sandgate is one of the most desirable suburbs for property owners. This beach-side suburb offers a relaxed beach lifestyle. If you're after a bargain beachfront property, Sandgate is a great choice. You will frequently see motorcycle movers dropping off motorcycles in Sandgate for ride days. A median house price of $1,150,000, Sandgate has really had a run rising 34.7% over the last 12 months. Luckily, the suburb offers plenty of opportunities for investors.

Uncategorized Editor Wed, 16 Nov 2022 08:21:02 -0500
What Are The Effective Sectors To Invest Your Amount In It? If you have a high net worth and like to invest in different sectors, then you need some proper guidance. You must also know which is the best sectoring for investing your money in it to gain more profit. More sectors are available for you, and in this continent, you can learn the best sector and where to invest your money. If you need to know which of the best sectors to invest in in Africa, then you have to visit to glance at the content provided below for you. You can understand which the right sector for your investment is.

Choose the best sectors for your huge investment:

Africa is one of the best places with a growing population, splendour and strength, where there are a lot of financial potentials both with the people and the resources. The economies of the countries such as Nigeria, South Africa and Kenya have prompted an inevitable rise in the amount of revenue the continent generates as a whole. The people can choose the best sectors to invest in Africa where they can benefit from it. The new market potentials are coupled with the continents and the resource-filled lands that have many experts to deduce that Africa could become a major economic player on the global stage.

Effective Sectors to invest your amount:

It will be useful for them to run their firm in Africa effectively. Some of the best sectors to invest in Africa include:

Transport and logistics:

Several sectors can tie directly into the population growth of an economy. Transport and logistics are among the best industries that can be useful for investing their money. Interstate and overseas travel is at an all-time high, and local transportation has never been in such high demand.

Real estate:

Real estate is the market directly tied to an economy's population rate. The best thing is that it is more needed for housing options, land ownership, real estate investments and infrastructures. It is the best co-working space provider on the continent, which is a prime example of what success looks like as a corporate real estate company.


The internet penetration in Africa is deplorable, to say the least, which is why the future of this market seems more encouraging. As technology becomes more accessible and affordable, more people in this universe have no choice but to get updated according to the world. Telecom companies are ranking billions of dollars in annual income, which will be the best sector for your investment.

Agriculture technology:

It is an interesting sector to key into the sweet spot where agriculture meets tech to create tech-driven solutions for various needs in the African agricultural sectors. This digital solution acts like a ripple effect in the young minds to make more contributions. The best way to invest in the Agri tech sector is recorded as the largest fundraising field for more people.

Bottom line:

Therefore there are more different sectors where a person can invest their amount. You have to choose a growing commercial business and then invest your money in it to gain considerable benefits. 

Uncategorized Editor Wed, 09 Nov 2022 23:34:35 -0500
Financial Mistakes That You Should Avoid When Building A Home If you are browsing through Truoba modern house plans and looking forward to constructing your very new home, you will need to have managed your finances well so far and continue to do so in the next phase.

Regardless of whether it is a modular, construction, or custom home, constructing a new one requires a significant financial investment. Purchasers of new homes want to avoid financial hazards so they don't end up paying far more than they can afford. Here are some financial mistakes that you should try to avoid.

Don't take out a mortgage loan in full

It doesn't necessarily make sense to devote up to 36% of your monthly salary on your loan and accompanying expenditures simply because the bank says you should. Make absolutely sure you have a big enough buffer for life's unforeseen costs. Consider keeping your monthly housing expenses, including PMI, homeowner's insurance, and property taxes to no more than 25% of your gross monthly income. If you'd prefer, you may decide to spend even less. A lot of debt can be incredibly distressing. Your new residence ought to be a delight, not an overwhelming financial strain.

Prior to applying for a loan, try to raise your credit ratings

Clear off your debt first if you currently have a lot of credit card or student loan debt to qualify for a mortgage with a significantly better interest rate. Over the course of your home loan, you might save thousands of dollars in interest.

Don’t choose the lowest-priced provider

You could be able to persuade yourself that selecting the builder with the lowest quote will free up more funds for the building of the house. For instance, you may use the additional cash you wind up saving to construct a deck. But when it comes to constructing a home, you frequently get what you paid for.

It is a recipe for disaster to select the lowest bidder merely because they are the lowest. The lowest bidder could not be telling the truth about how much the project would cost and is instead just bidding for the work. The very last option you want is for them to use lower-quality components and cut shortcuts during real building through a change order process. Make sure your builder has been carefully reviewed.

Don’t neglect to evaluate the selling value before even beginning with the building process

Assume that you might sell your house at some point, even if you have no intention of doing so and want to leave it to your heirs.

The majority of us don't really foresee where we'll be in 10 or 15 years.  A real estate agent whose customers had constructed a five-story custom home told me t they adored it, but when it came time to sell, they had to lower the price by hundreds of thousands of dollars and sell at a loss since no one wished to purchase a property that required them to climb stairs all day. So create your ideal home, but don't end up making it someone else's worst dread.

Bottom line

You can prevent overpaying for a new home if you do your research. Building a home is a significant financial and personal choice for your family. Make sure you understand exactly how much you can stand to spend each month before you build a residence, and strive to stay within or even under your budget.

Uncategorized Editor Wed, 09 Nov 2022 08:06:39 -0500
Which Small Business 401(k) Plan Is Right for Me? No matter the type or duration of your employment, one goal that motivates you to perform your best at work every day is the dream of a comfortable retirement. Most working individuals set aside a certain amount from their paychecks to add to their retirement nest egg, which can be used for a peaceful post-retirement life. With the help of retirement savings, you can achieve your long-term goals, like traveling the world with family or funding your children's higher education. While some people save on their own, most employees invest in a retirement plan that minimizes the hassle of manually saving your funds and provides tax benefits and other advantages designed to maximize your retirement savings.

If you own a small business, you can enroll in a 401(k) plan to help yourself and your employees save money for a financially secure future. The pricing for 401(k) plans differs based on your financial needs and the number of employees working at your company. Most retirement plans offer a flat, affordable fee and a stress-free way to start your savings fund within minutes. The type of small business plan you choose for your company is customized according to your needs and purpose-built to minimize administrative bloat. Read on as we take a closer look at the types of 401(k) plans you can choose for your small business.

Single(k) Plan

The Single(k) plan is a solo 401(k) plan meant for individuals who are the sole proprietors of their small businesses. It is also ideal for self-employed workers, including freelancers, independent contractors, entrepreneurs, and more. By enrolling in this type of 401(k) plan, workers can contribute both as employers and employees, which enhances their savings limits by nearly twice. Individuals with this plan can contribute up to $60,000 annually to their 401(k) account.

Saver(k) Plan

The Saver(k) plan might be the ideal retirement plan for small businesses with multiple employees. These plans are excellent options for companies that want to provide their employees with competitive savings options for their retirement funds and create a high-morale and highly competitive workforce. The plan has multiple provisions for employee convenience, including automatic recruitment, financial wellness assistance, online customer support, and a tax credit of up to $16,500.

Custom(k) Plan

Each business has different financial needs that are unique to its workforce. When it comes to selecting a pre-made 401(k) plan, the 'one-size-fits-all' approach might not suit every company. In such cases, companies can craft their own customized 401(k) plans according to the needs of their employees and employers. Custom 401(k) plans allow employers to have a greater degree of control over their finances, including fund transfers, loans, tax payments, and more.


In an increasingly competitive employment landscape, providing employees with desired benefits has become crucial to ensure high morale and talent retention. A 401(k) plan is the perfect tool to achieve these goals while securing the futures of all employers and employees working at your small business. Depending on your business needs, you can choose between multiple plans, including solo, saver, custom, and reserve 401(k) among others.

Uncategorized Editor Mon, 07 Nov 2022 22:36:14 -0500
Where To Invest $1000 Right Now When you’re looking for money management tips that will help you save more now and in the long term, here’s one that you shouldn’t ignore: take $1000 and invest it. This shouldn’t be your only savings strategy, and hopefully you’re investing for retirement elsewhere. 

Outside of your regular savings, your emergency fund, and your retirement plans, you can also make some smart money moves with a one-time investment that either grows on its own or continues to grow with regular contributions. It starts with the first thousand dollars. 

Not sure where to invest 1000 right now? Here is some reliable advice.

Invest In Real Estate 

Real estate is always a smart investment because property is a great hedge against inflation. It’s also less risky because a piece of property, whether we’re talking about a residential rental home or a commercial unit, is a tangible asset. It always carries value, regardless of how the market is performing. 

You might wonder how you can possibly invest in real estate with only $1,000. It’s not impossible. Take your money and buy into a Real Estate Investment Trust, or a REIT. The REIT is composed of other small investors and it buys income-producing property. Shareholders receive at least 90 percent of what the trust earns. You can become a real estate investor for just $1,000, and you don’t have to assume the entire risk associated with a piece of property. 

Put $1,000 In A High Yield Savings Account 

A solid budgeting plan will make space for savings. But, how can you save in a way that earns you money? A high yield savings account is a great idea. If you want to invest $1,000, but you don’t like the risk that’s associated with stocks and the market, put that money in a high yield account, where rising interest rates are actually working to your benefit. 

You’re earning significantly more money with this type of account, so it’s a surprise that only 21 percent of Americans use them. The longer you keep your money in an account, the higher your yield. Right now, you can find online and traditional banks offering more than three percent APY on your $1,000. It’s a smart investment, and it keeps your money accessible. 

Invest In A Roth IRA

Opening a Roth IRA is a smart investment strategy even if you already have a retirement savings plan through your employer. With a Roth, you’re taking your $1,000 after taxes, which means you won’t have to pay taxes on that money when you withdraw it. Your money grows tax-free while it’s invested in the Roth. 

Here’s another reason that the Roth is so smart for investors. While your earnings cannot be deducted until the age of 59-½, you can withdraw any contributions you make at any time without penalty. So, the initial $1,000 that you deposit into your Roth IRA is available to you before your retirement date. All of your contributions can be taken out without taxes or penalties. 

Put Your $1,000 in an ETF

Mutual funds often make the most sense for investors, and while those are a great idea for your $1,000, consider investing in an exchange-traded fund, or an ETF instead. Most of the ETFs available will follow a benchmark such as the U.S. bond market or a stock market index. The brilliance of an ETF is that they often focus on a specific industry or sector of the economy. You can look for a technology ETF or a renewable energy ETF. If you’re concerned with social justice or corporate responsibility, you can target those specialized ETFs. 

You’ll pay fewer fees than you would with a mutual fund, and there’s more flexibility with how often you move your money around. 

If you haven’t already, download some personal finance software and get an idea of how your $1,000 can best work for you. 


Shawn Manaher is a former financial advisor, has founded 5 online businesses, and is a coach, speaker, podcast host, and author.

He's been featured on Forbes, The Consults Corner on TAE Radio, The Writing Biz, What's Your Story, and more.

He loves to share his personal finance tips and money management wisdom with others on his website,, to help them find financial freedom.

Author Pic:

Uncategorized Editor Mon, 07 Nov 2022 22:32:02 -0500
Planning Your Estate With A Roth IRA In this last installment of our Roth IRA series, we will discuss how you may use Roth IRAs after retirement to minimize your tax liability. Finally, estate planning is another area where Roth IRAs might be useful. A simple estate planning option is a Roth IRA. When you set up a Roth IRA, you simply designate a beneficiary or beneficiaries. Although the time commitment is small, the impact on how your assets are handled and dispersed after your death is substantial.

If you have any questions about managing your equity holdings and wealth management, don't hesitate to get in touch with GLP Financial Group.

Designating Your Heirs

The few minutes it takes to name beneficiaries for your Roth IRA accounts might greatly impact your heirs' financial futures. When you start a Roth IRA, you may be asked to provide the names and addresses of beneficiaries. That's why it's crucial to plan for who you want to inherit your wealth and how you want them to handle it.

You and Your Spouse

A spouse who inherits a Roth IRA has the greatest options available to them since they can simply treat the account as their own, a process known as a "spousal transfer." Your spouse can keep postponing any needed payouts till the end of their life. Your spouse must be the sole beneficiary of the first Roth IRA, but they will be able to choose their own beneficiaries later on. This alternative aids in extending the tax-free accumulation period.

Beneficiaries who are not spouses

If someone other than your spouse receives your Roth IRA as an inheritance, they will be required to take withdrawals either in a single amount or spread out over 10 years. This non-spousal beneficiary group has ten years from your death to disperse all of the account's assets. However, the whole account balance must be distributed after the ten-year term, even if there are no annual RMD requirements. 

You can give your heirs the option to receive their payouts in a lump amount if they like. All of these payments will be made to your heirs free of federal income tax if the account has been open for at least five years before your death.

Excepted Successors

Eligible designated beneficiaries are a special category of inheritors who are allowed to spread out payouts from an inherited Roth IRA over their own life expectancy without violating the standard payout limitations. Included in this group of recipients are:

  • The account's new owner must be the deceased account holder's spouse.
  • Anyone no more than ten years younger than you.
Uncategorized Editor Fri, 28 Oct 2022 23:41:55 -0400
5 Most Common Injuries in Construction When a construction worker gets injured on the job, many of those injuries can be quite severe. Unfortunately, there is no way to get around working in such a dangerous field because there would be no homes, commercial structures, roads or even airports if it weren’t for this one, very vital, industry. Infrastructure would be at a literal standstill. While all those heavy machines can be the underlying cause of some of the most common construction injuries, there is no getting around those either. So, what are the most common injuries in construction and what can you do if they result in a something significant enough to put you out of work for extended periods of time, if not forever? Let’s look at the five most common of them.

1. Accidents with Machinery

There are several ways in which accidents with machinery can cause serious injury to employees. Sometimes it would be while driving a loader and other times it is getting caught in the machinery’s mechanisms. These can be quite serious and if you wonder why, you might want to think about what it would be like to wrestle with something 10 or more times your weight.

According to information on, many are severe enough to render you virtually disabled going forward. This is why so many injured construction workers file claims against their employers and the employer’s insurance. If they will be unable to work in the future, they will need to be compensated so that they aren’t left penniless on the streets.

2. Falls

You probably wouldn’t want to think about falling off the scaffolding on the 20th floor of a high rise you are working on which is why safety harnesses are so important, but even falling from the second floor can result in life threatening injuries. No matter from what distance you fall, injuries are likely to happen.

3. Vehicular Accidents

Whether driven on the road or on a construction site, vehicular accidents are some of the most common do result in injuries. In some areas of the country, roadwork uses pilot cars to lead traffic through areas where only one lane is opened at a time. Impatient drivers are known to skip the line leading to a head on collision with that pilot car, and these injuries can be life-threatening as well.

4. Building or Ground Collapsing

The kind of injuries sustained from a building or ground collapse often make the news. Although they are not as frequent as some of the other kinds of accidents listed here, they usually involve several people which is why they are so newsworthy. Also, they can lead to serious injuries rendering those employees incapacitated for working construction in the future – if they even live, that is!

5. Electrocution

If you have ever wondered why DIY projects necessitate a licensed electrician, this is your answer. Even experienced, licensed electricians can be electrocuted as can any of their peers standing close to them. Bear in mind that many buildings are raised on metal rafters which means that they are super conductors of electricity. Some workers even on another part of the room or floor can be electrocuted without even knowing they were exposed to current.

Although this may offer little consolation, sometimes lawsuits filed for injured construction workers can give them enough capital to invest, hoping to make a profit if they are unable to work in the future. Always get the best representation you possibly can when suing your employer’s insurance. It is in place for just these reasons, so don’t think that you can’t file a claim for just compensation. If you can’t, your attorney surely can!

Uncategorized Editor Thu, 27 Oct 2022 23:38:48 -0400
Tips To Successfully Secure Your Funding Round Securing funding for your enterprise is one of the most important objectives for ensuring your success. That’s true for startups as well as established businesses. Everyone needs additional capital from time to time and knowing how to bring investors over to your side is an essential skill.

If you’ve spent any time watching “Shark Tank,” you might think you need to be flashy or quirky to get the attention of investors. However, the truth of the matter is that in real life, there’s no substitute for an honest, straightforward value proposition. Investors by and large want to know you’ve put in the effort to plot out every conceivable detail, and most of them can spot a long-shot pitch a mile away. If you want to secure your funding round, you’re going to need to be able to deliver the goods.

Building Your Pitch

Winning your capital begins with choosing the right investors to target. Just because someone has the money to invest doesn’t necessarily mean you should approach that person. Having a solid lead backer means others will be more inclined to follow suit, because a savvy investor instills confidence that you’re a safe bet.

When it comes time to make your pitch, you need to begin with what you think makes it appealing. You should figure out what makes your idea unique and how your team and plan are poised to make the most of it. From there, cut right to the chase. Being clear and concise about your target market, solution and competitiveness is critical. Trying to appeal to emotion might make for a good story, but investors will be focused on the bottom line.

To that end, you need to have strong financial forecasts as part of your presentation. Do your research and make sure your projections demonstrate an understanding of the industry. On top of this, you must be able to give an accurate timeline showing when you expect revenue to make the venture profitable. This level of forecasting is far more important to the majority of investors than a novel idea or some type of gimmick.

Finally, you need to show that you can build the team that is necessary to execute all your ideas to their fullest potential. Once the capital is in your hands, who will be on the front lines in charge of bringing your plan to fruition?

It’s impossible to do much of anything in the world of business without the right funding, and that means being able to pitch is crucial. For more ideas on funding your next round, take a look at the accompanying resource.

Infographic created by Donnelley Financial Solutions, an SEC reporting software company

Uncategorized Editor Tue, 18 Oct 2022 00:13:44 -0400
Innovations Happening in the Electric Vehicle Charging Space The need for a robust charging infrastructure

Electric vehicles are speedily replacing ICE (internal combustion engine) vehicles. According to a report by the International Energy Agency, just 120,000 electric cars were sold worldwide in the year 2012. This number is less than the average number of electric cars sold every week in 2021.

At the end of 2021, there were about 16.5 million electric cars on the world’s roads, three times the number in 2018. Still, electric cars constitute less than 2% of an estimated more than 1.4 billion cars in use globally. Despite strong year-over-year growth, it’ll take several years for ICE cars to be replaced by electric ones.

A key factor restricting the growth of electric vehicles is the availability of robust charging infrastructure. Governments globally recognize this, and that’s why they are allocating billions of dollars for developing public charging infrastructure. In the U.S., President Biden has set an audacious target of making half of all new vehicle sales in 2030 to be electric. Further, the bipartisan infrastructure bill provides for $7.5 billion investment in EV charging infrastructure.

There are more than 100,000 publicly accessible EV chargers in the U.S. However, this number pales when compared to China. The number of public EV chargers in China is roughly eight times that in the U.S. Bloomberg New Energy Finance recently stated that there will be a need of between 340 million to 450 million EV chargers by 2040.

Leading EV charging companies are trying to fill the gap

EV charging companies including ChargePoint (NYSE: CHPT), Blink Charging (NASDAQ: BLNK), EVgo (NASDAQ: EVGO), and Volta (NYSE: VLTA) are constantly innovating to make EV chargers more accessible. They are using different models (owner/operator/hybrid), are targeting different segments and markets (fleets/ commercial properties/ universities/ employers/ and so on), and are exploring different revenue options (advertising).

Despite all the efforts, the companies are still not profitable. But that isn’t necessarily a big concern. The companies are focused on gaining market share and expanding footprint. As EVs grow, these companies should benefit immensely from their investments today.

Other actors are playing their part too

The innovations in the EV charging space aren’t limited to big players. PowerHero has made an adapter that gets attached to any home charger to make it a networked charger. The homeowner can then make its charger available for use to other drivers, for a fee. Like Airbnb (NASDAQ: ABNB), this concept can revolutionize the EV charging landscape by making over a million home chargers available for public use. This can potentially speed up EV adoption drastically. PowerHero’s Peer-to-Peer economy-sharing platform can solve the problem of limited public charging capacity.

A lot to look forward to

In all, existence of a robust charging infrastructure is a prerequisite for widespread EV adoption. Companies operating in this segment are finding it difficult to make money just be selling electricity. The key lies in collaborations with commercial property owners, employers, and so on, who offer EV charging as a perk. Fleet operators are also expecting increased pressure to go electric, and form another key customer segment.

Ad revenue, platforms like PlugShare, and efforts to make home chargers networked are some other avenues which companies are (or can potentially) monetizing.

Finally, we are also seeing lots of consolidation in the segment. EVgo recently acquired PlugShare, an app to locate EV charging stations, and review them. Blink Charging is also focused on acquisitions to fuel growth. Recently, it acquired SemaConnect, which significantly expands its EV charging footprint. The EV charging space should see further consolidation in the coming years. Overall, we expect exciting times ahead for EV enthusiasts and investors.

Uncategorized Editor Wed, 14 Sep 2022 06:19:54 -0400
The Shift to a Contactless World With contactless payment technology, your clients can complete their transactions without ever having to physically swipe, dip, or hand a credit card over when using your point of sale (POS) terminal.

This article explains different ways you can use contactless payments at your business, and also covers some of the key benefits that this payment technology offers – both for clients and for merchants.

How to use contactless payments

Contactless payments rely on a shortwave radio technology, known as near field communication (NFC), to establish a wireless connection between a client’s credit card or mobile phone and a merchant’s POS device. NFC is similar to Bluetooth, but it only works across very short distances.

Once contactless payments are enabled, your clients simply wave or tap their NFC-enabled payment device over your POS terminal to initiate a transaction – whether that payment device is a:

  • Credit card
  • Debit card
  • Smartphone
  • Tablet
  • Wearable device

Most modern POS terminals come equipped with NFC capabilities – along with standard support for magstripe and chip cards. As such, you may be able to start accepting contactless payments without making substantial hardware upgrades. Even if your current terminal doesn’t support the technology, many smartphones and tablets can be converted into portable POS devices that can pair with inexpensive NFC-enabled mobile card readers.

What are the advantages of using contactless payments?

Contactless payments offer several benefits for clients and merchants alike.

  • At a time when many Americans have concerns about handling cash, contactless payments represent a convenient option. In fact, clients can ditch their wallets entirely if they have their credit, debit, or gift cards stored in mobile wallets on NFC-enabled smartphones or wearable devices like smartwatches or fitness trackers.
  • Similar to QR code menus in restaurants, contactless payments help to promote a more health-conscious environment, which is increasingly important in a world where people are a lot more concerned about touching communal things.
  • Contactless payments are up to 10 times faster than other payment options, which can help lead to shorter lines, higher overall satisfaction among your clients, and more sales per hour.


Contactless card payments are expected to grow by 800% from 2020 to 2024, and this staggering number doesn’t even include contactless payments made through mobile devices, wearables, and other fintech innovations.

For many businesses, this growth is reason enough to begin offering contactless payment options to their clients. In fact, there’s a good chance that most of your clientele already uses some type of contactless payment technology for personal or other business-related purchases.

If you’re looking for additional reasons to offer contactless payments, download the free infographic below. It covers some of the driving forces behind contactless payment’s growing popularity across many different industries.

Infographic created by Clover, a POS system provider

Uncategorized Editor Tue, 30 Aug 2022 23:43:53 -0400
Questions to Ask Companies that Buy Annuities Selling your annuity can be very challenging, especially if it's your first time. Depending on the reasons for selling your annuity, you need to be sure to get a the best offer possible from a reputable structured settlement company. However, most people fail to research the vital steps they should take to sell annuity payment. When selling your annuity, evaluate  Companies That Buy Annuities to ensure you get the best deals. You will also need to have a series of questions to ensure you make the right choice of a company to sell your annuity to. This article will outline a few of the vital questions you should ask companies that buy annuities.

  1. What alternatives do I have to sell my Annuity?

Everyone should ask this question as they review their options, which is crucial. It is vital to ask for the alternatives available from a trusted financial and tax advisor with experience. They may have other ideas they’ve seen successfully used that are better options to handle whatever situation you’ve found yourself in. Selling your future structured settlement annuity payments is a significant decision.

  1. Can I sell just a portion of my Annuity, or will I have to sell all of it?

Selling annuity amounts depends primarily on your reason for selling and the required amount. Selling all your annuity will help provide you with the maximum lump sum amount at once. However, if the need requires you to spend a lesser amount, such as a down payment on a house or paying off an unexpected debt, you can choose to sell just a portion of your annuity. A partial annuity payment allows you to sell your just some of your future structured settlement payments allowing you to receive periodic payments again down the road. For example, if you have 20 future payments from your annuity, you might decide to sell the next 4 of them, and when the timeframe for your 5th payment comes the payments will kick back in.

  1. How much money can I get?

You must ask this question when evaluating your potential annuity buyer company. Knowing what the company is offering will help you decide if you will proceed with the sale or not. Many aspects affect the lump sum you will receive. These factors include when you are scheduled to receive your annuity payment, the value of the payment, interest rates along with other factors as well. Also of course, the payment you receive will depend on how much of your future payments you decide to sell. The more the payments, the higher the lump sum you receive. Don't forget to evaluate different companies to ensure you get the best deal.

  1. How long will it take for me to get my payments?

You should ensure you question to know when you can expect to receive your payment if the transaction is approved by the courts. This is vital for your planning and the need you want to solve.

  1. Must I face the Judge?

When selling a structured settlement, you will have to face a judge and explain why you need to sell your annuity. The Judge helps to protect your wellbeing as best as possible and to ensure you are selling your annuity for a valid reason.

To conclude

These questions are a few of the vital ones to help you understand the deal. Always ask any question you think of or terms you don't understand. You want to be sure you are completely comfortable with the deal and the factoring company you are working with.

Uncategorized Editor Wed, 24 Aug 2022 10:01:02 -0400
Is a Lump Sum or Structured Settlement Better If you file a personal injury suit in court requesting compensation and the court rules in your favor, the other party is obliged to settle per the terms of the court agreement. The payment can be paid in a few ways, including either a lump sum or a structured settlement. The pros and cons of each should determine how you would like to be paid. Below are the pros and cons of both structured settlement and lump sum.

Structured settlement

This is a settlement where the money is paid in instalments for an agreed period, maybe years or months. The parties come to an agreement and the money is paid out almost always by way of an annuity set up with an insurance company. It is usually used for larger settlements.


A structured settlement is almost always tax-free. Some structured settlement companies may charge different fees dependent on the arrangements of the agreement.

It encourages money management, saving, and spending adequately since one will receive a small amount of money after an agreed period. It also helps avoid making poor investment decisions.

A structured settlement allows a steady flow of income since one is sure they will receive the agreed upon sum of money on time. Depending on the agreed payment period, one can plan their spending to coincide with the time of payment.


The plaintiff will not be able to access the entire value of their settlement if any unexpected expenses or investment opportunities arise.

You are locked into the payment schedule as agreed upon at the time of the settlement. The only way to access the value of your settlement is to sell the future payments to one of the structured settlement companies.

Lump sum settlement

This type of settlement is where the beneficiary receives the total settlement pay-out all at once. It is usually used for minimal or moderate compensation situations.


A lump sum settlement gives you the freedom to control where and how a certain amount of money should be used. You can manage your investments and cater to unexpected expenses easily, unlike in structured settlements, where you have to wait for some time to get your cash.

It can potentially benefit critically injured beneficiaries who require enough funds to cater to their costly treatment and medical bills which could vary over time depending on how their health fluctuates. Their recommended treatments and living accommodations could change over time requiring access to a larger sum of money than initially thought at the time of the settlement occurring.

The beneficiary could also see nice financial growth if the money is invested in things that see nice value gains.


Receiving a lump sum of money, especially for people used to handling a small amount, can lead to mismanagement and spending the money on unnecessary things.

Investing a large sum of money all at once has the potential to be a good thing, should the investments go in a positive direction. Still, it can lead to significant losses if the investment goes unexpectedly, unlike in structured settlement where you would only be able to invest a smaller amount based on your annuity payment schedule and decide to reinvest depending on the initial investment results.

Both structured settlements and lump sums can be beneficial depending on your situation. If you are locked into a structured settlement and find yourself in need of a larger lump sum you can always attempt to sell your future payments to a structured settlement company which would require court approval.

Uncategorized Editor Wed, 17 Aug 2022 00:11:47 -0400
7 Ways Your Business Can Take Advantage of Cryptocurrency Cryptocurrency has been around since 2009, and this tech innovation's growing popularity is undeniable. Around 2017, cryptocurrency cemented itself as the future of finance, fundamentally changing the way cash works and how we transact with each other.

Cryptocurrency is shaking up the business scene. While many don't know what it is, some have already implemented this new currency in their company. If you have heard of cryptocurrency but have not utilized it, perhaps it's time to learn how it can help your business.

7 Ways Your Business Can Take Advantage of Cryptocurrency

1. Increase brand exposure

If you're looking for more brand exposure or letting others know about your product or service, cryptocurrency may be an excellent avenue to explore with little cost. This puts your website on the map and drives traffic to it, further increasing your exposure.

You may even see increased sales after integrating this technology into your business strategy. It can also help expand your customer base by reaching out to new demographics unaware of your brand. You get to include audiences worldwide, especially those who can't use traditional payment methods due to the lack of access in their regions.

2. Provide an efficient payment method

One of the most significant benefits of payments through bitcoin is it lets your business make transactions faster than with traditional methods like credit cards. Credit card payments can take anywhere from 24 hours to several days before being posted as received by the merchant. This may even depend on where you are and the location of the person you're transacting with.

Cryptocurrency payment methods use encryption techniques to control the generation of currency units and verify the transfer of funds. This all operates independently of a central bank. Your transactions are processed instantly without any intermediary between you and your customer.

3. Protect consumer privacy

Privacy concerns have increased dramatically over the last few years, especially regarding online purchases. When you use a credit card or make an online payment via fund transfers, you risk putting your personal information up for grabs for malicious companies who want to sell them without your consent.

With cryptocurrency, you won't have to worry about this risk since all transactions are encrypted and recorded on a distributed ledger, known as the blockchain. This ensures that nobody else can access your personal information unless they have access to your private key. The cryptography of this payment method makes it nearly impossible for someone to break into your account and steal your money.

4. Prevent scam transactions

Credit card fraud costs merchants a lot because thieves use stolen cards to buy goods and services at stores where they're not authorized to shop. Merchants often have difficulties verifying these transactions as there's no way to identify whether the person presenting it is the account's owner.

However, cryptocurrency payment methods allow you to conduct business without worrying about chargebacks or fraudulent transactions. This is especially helpful for online stores and businesses selling expensive products such as jewelry and other luxury items. With crypto, customers can't return items without a receipt and will have no choice but to pay upfront for what they want to buy.

5. Lower transactions fees

Accepting credit and debit cards requires a high processing fee for every transaction made through your website or storefront. These fees can eat your profits, especially if you deal with thousands of monthly transactions. However, cryptocurrencies like Bitcoin can help your business eliminate or significantly reduce these fees.

This is because coins don't require third-party intermediaries to process payments on their behalf---all transactions are peer-to-peer exchanges. Instead of paying banks their high fees, you pay miners to verify transactions on the blockchain network.

6. Use blockchain technology for supply chains and logistics

When it comes to supply chains, many steps must be taken to ensure products arrive at the right place at the right time. Working blockchain allows you to track the supply chain of your products all around the globe in seconds rather than days or weeks.

Information is recorded and publicly accessed in a working blockchain, making verifying it easier. Every step of the process leaves an indelible record that no one can alter or erase without being detected by other users. You can monitor the shipments of your products from the factory to the warehouse, giving you ample time to prepare for it.

Not only does it let you reduce costs for inventory management, but it also prevents counterfeit goods from entering the system or getting refund requests due to late deliveries.

7. Utilize tokens for incentives and rewards

Incentivizing customers by giving them something valuable for their loyalty is nothing new. However, there's no reason why this reward system has to be tied to traditional fiat currencies.

You can offer discounts or special offers in exchange for cryptocurrency payment methods, allowing you to take advantage of all the other possibilities this technology provides. For example, Centbee offers spendable Honey Rewards usable as Bitcoin SV to active wallet users in conjunction with the Bitcoin SV Hackathon Competition.

Go for Crypto in Your Business

Cryptocurrency is here to stay, and it's becoming more popular as people discover its many benefits. If you're looking to get your business involved in cryptocurrency, start by learning more about the technology.

There's a lot to learn, but your first step should be acquiring a basic understanding of cryptocurrency before going further. Once you've got the hang of it, it's time to explore some ways you can use cryptocurrency to grow your business.

Uncategorized Editor Mon, 15 Aug 2022 03:16:59 -0400
How To Choose The Best Trading Keyboard? How To Choose The Best Trading Keyboard?

There are multiple factors that determine the success of a trader. Apart from having a good fund of knowledge and analyzing skills, there are many other things that you need to be successful in this trading business. One such factor is how you interact with your computer while trading. The best way to optimize your performance while trading with your computer is by using the best trading keyboard. Check out this article if you’re looking for a general guide on how to choose the best keyboard for trading in your own specific circumstances. Keep reading to know more about the various aspects of choosing the best keyboard for trading.

Why Should You Use A Good Keyboard While Trading?

A good keyboard will allow you to type faster, accurately, and with less errors. It will let you execute trades quickly and efficiently. This, in turn, will help you increase your profit by optimizing the time spent on trading. Most importantly, a good keyboard will let you stay focused while trading, which is a key factor in being successful in this field. With a good keyboard, you won’t have to worry about how long it takes you to enter a trade or how many mistakes you make while typing. It will let you focus on analyzing the market and finding the best trading opportunities. You’ll be able to enter trades quicker and more accurately, helping you maximize your profit. You can also concentrate better, which is crucial when you’re trading. You don’t want your attention being drawn away by a bad keyboard. This is especially true if you’re trading with a laptop. Traders who make use of laptops normally have to put up with the built-in keyboard, which is normally quite bad.

What is a Trading Keyboard?

A trading keyboard is a specialized keyboard made for traders. The thing that makes a trading keyboard different from a regular keyboard is its features. A trading keyboard will have some or all of the following features:

User-friendly key arrangement

If a keyboard has a “standard” key arrangement, it means that it is not specially designed for a specific type of person. This is good if you’re a beginner, but if you’re an expert trader with specific needs, you’d have to go for a keyboard specially designed for you.

Ergonomic design

An ergonomic keyboard is a keyboard specifically designed for people with different types of physical needs. It can be for people with weak wrists or arthritis, or people with bigger hands.

Bigger number keys

If you’re a trader who makes a lot of use of the number keys, you know how important it is to have a keyboard that has large enough number keys.

Extra buttons for special functions

These buttons can be programmed to do many things, like opening your trading account, recording trades, or other special functions that you have to do frequently.

Customization options

Most modern keyboards let you customize the layout, color, and more.

How To Choose The Best Trading Keyboard?

Keyboards For traders with bigger hands

Keyboards with larger keycaps and a wider spacing between the keys are best for people with larger hands. If you have larger hands, you’re likely to have more difficulty pressing the keys on a regular keyboard. This is especially true if you have short fingers. A keyboard with larger keys will help you avoid having to press down too hard and risking RSI. A wider spacing between the keys will also make it easier for you to type. You can also consider switching to a split keyboard. This design has two parts, with one part below the other. This type of keyboard is usually better suited for people with bigger hands.

Keyboards for fast typists

Many keyboards today are designed to cater to fast typists. If you’re a person who types extremely fast, you might want a keyboard that has extra features to make your work easier. A keyboard with a n-key rollover feature can let multiple keys be pressed at the same time, without producing an unwanted output. This can be helpful if you have to press multiple keys at once to execute a certain trade. A keyboard with programmable macros can let you program certain keys to perform certain functions. A keyboard with RGB lighting is also a good option if you like to watch the lights flash while you’re trading.

Auto-trading keyboard

An auto-trading keyboard is a highly advanced keyboard specially designed for traders who want to trade automatically. These keyboards come with many features that are helpful in trading automatically. There are also many options to let you optimize the keyboard. You can adjust the brightness of the keyboard, choose the color of the backlight, and more. You can also customize the keyboard layout to suit your trading needs. Most auto-trading keyboards are specially designed for traders who want to use the technical analysis when trading. If you’re a trader who uses multiple technical indicators in their trading, you can choose a keyboard that has all the indicators right there. The best thing about an auto-trading keyboard is that it makes it easier for you to trade automatically. This will let you scale your trading and grow your account faster. It also lets you trade on multiple exchanges at the same time.

Day Trading Keyboard

Day trading requires quick entry and exit of trades, which a regular keyboard can’t handle. You need a day trading keyboard with quick keys for executing trades and for placing orders. The best day trading keyboard is one that lets you place orders with a single keystroke. You can also assign common trading actions to single keys for quick access.

Stock Trading Keyboard

Good good keyboard is also an important tool for stock traders. This is because you will be typing in the stock code and getting real-time updates to track the progress of your investments. To choose the right keyboard for stock trading, you want something that will be comfortable to type on for long periods of time and that you can easily see the keys. If you are trading on your phone, it might also be a good idea to get a keyboard with a fingerprint sensor to keep your phone secure.


Choosing the best keyboard for trading can be a tricky task. This is especially true for people who are new to this business. There are many keyboards on the market, each of which has a different set of features. There are many things you need to consider before choosing the best keyboard for trading. You must first understand your own needs, wants, and requirements. Only then can you choose the best keyboard for trading. There are multiple factors that determine the success of a trader. Apart from having a good fund of knowledge and analyzing skills, there are many other things that you need to be successful in this trading business. One such factor is how you interact with your computer while trading. The best way to optimize your performance while trading with your computer is by using the best trading keyboard.

Uncategorized Editor Fri, 15 Jul 2022 05:46:13 -0400
What is a Fixed Annuity and How Does it Work? The best fixed annuities are a type of financial product that supports individuals entering or currently in retirement. The risks associated with these products are exceptionally low, and in some cases, the income that comes with the product is guaranteed. Unlike variable annuities, the income payments that come with this product don’t change and are never affected by the investments of the providing insurance company or institution. To get the best rates for your fixed product, you’ll want to speak with a reliable annuities provider who can educate you on the benefits of the annuities and the financial support they can provide for your future.

In this article, we’ll define what annuities are and why they’re a popular purchase for individuals entering retirement. We’ll also review the different types of annuities that are available to you and look at the advantages of fixed products relative to these other options. 

What is an Annuity?

An annuity is a contract between you (the purchaser) and an insurance company that guarantees you’ll receive all the money you put towards the purchase, plus an additional return, spread out over the term of the annuity. First, you’ll pay a set amount of money for the contract itself and receive information about the term (contract length), as well as the rate of return, upfront. Many annuity products offer the opportunity to build interest on your money without worrying about it being taxed. 

Over the product’s term, you’ll get all of your money back through regular “income” payments, which have an additional return attached. The additional rate of return you receive in your annuity income payments varies significantly depending on what type of contract you’re purchasing and the provider company’s terms. Annuity income payments should not act as your only financial means- you’ll typically need savings or other more liquid assets on hand to help manage unexpected expenses while the annuity’s term is still active. 

Fixed Annuities: The Basics

Fixed annuity products are the only type of annuity that offers guaranteed returns. While most annuities are generally a safer financial investment than stocks and bonds, the fixed annuity is the only product that ensures a return. Variable rate annuities shift the amount of income you receive based on the insurance company’s investments, which are typically indexes. For individuals looking to take a more conservative approach to build their finances while entering retirement, a fixed annuity can be particularly advantageous.

With a fixed annuity product, you’ll know exactly how much you’re going to get back every month, which makes it a dependable way to increase your assets without any risk in your portfolio. You’ll usually receive your annuity income back on an annual basis starting one year after purchase. However, deferred and immediate annuities offer some flexibility on these terms, often at the expense or benefit of your rate of return.

What Type of Returns Can I Expect?

Returns on your fixed annuity depend on the rate agreed upon at the time of purchase, as well as the period listed in the contract. MYGA (multi-year guaranteed annuity) products ensure that this rate is locked in for the entire duration of the contract. Traditional fixed annuities can see shifting rates later in the annuity’s life cycle, but this doesn’t put your money at risk in the way it might with a variable annuity. 

Rates for fixed annuities are typically low- usually between 2% and 5%- because they don’t technically offer the provider insurance company the opportunity to make money. Instead, the only benefit for the provider is the fact that they get money to work with upfront when you purchase the annuity. Your fixed annuity rates may also depend on the contract length, which can be up to 10 years at a time. To find out more about what rates are available right now, you’ll need to contact a reliable annuities provider or an insurance broker. 

Differences Between Fixed, Fixed Index, and Variable Annuities

Traditional fixed annuities offer a steady stream of income and are generally considered one of the safest ways to increase the amount of money you have during retirement. Fixed index annuities operate in a similar fashion to traditional fixed products, but the rate of return can shift over the specified period. This change in the annuity’s rate is tied to the success or failure of market indexes (such as the S&P 500 and Dow Jones). Variable annuity holders may also see changing rates of return based on the investments of the insurance company. While these products are technically riskier than fixed or MYGA products, they can also offer a significantly higher rate of return. 

Drawbacks of a Fixed Annuity

While fixed annuities are a fantastic choice for securing your finances at the start of retirement, they aren’t always the right purchase for everyone. The primary drawback of an annuity is that it is not affected by inflation. In some cases, the money you’re getting back in addition to the principal is only enough to match current inflation rates.  If you’re early in your career, an annuity usually isn’t the best choice because your earnings have the potential to increase, and you’re likely to make money with more traditional investment strategies. 

The other drawback of an annuity, whether it’s fixed or variable, is that it’s difficult to turn the purchase of the annuity into a liquid asset in the event that you need more money than your savings can provide. In other words, getting your money back before the term expires is both challenging and expensive. Your ability to do so may also depend on the terms of the annuity that you purchase.

Conclusion- What is a Fixed Annuity and How Does it Work?

Fixed annuities are a financial product that supports your retirement with guaranteed income payments and tax deferral benefits. If you’re looking for a new way to continue making money after retirement, a fixed annuity with AnnuityAdvantage might be the right choice for your financial needs. 

Uncategorized Editor Tue, 12 Jul 2022 22:59:08 -0400
Cryptocurrency Tax Explained: A Complete Guide to Crypto Taxes Taxes will always be around in every financial transaction. Unfortunately, cryptocurrencies aren’t exempted.

The Internal Revenue Service (IRS) considers your Bitcoin and other cryptos as “property,” which means that they are taxable, similar to other assets like gold and stocks. In the new Form 1040, the IRS now asks whether or not you own any virtual currencies, making it difficult to stay ignorant of crypto tax laws.

Failing to pay your taxes can cause you to incur interests and penalties, which adds to how much you initially owe the IRS. In some cases, not paying taxes can lead to criminal prosecution.

Accounting for digital assets in your tax return is relatively easy. You just need to understand how your activity affects your tax liability.

When should you pay taxes on cryptocurrency?

If you only buy cryptocurrencies using U.S. dollars and keep them within the exchange or transfer them to your wallet, it doesn’t mean you’ll owe the IRS tax by the end of the year. Based on Form 1040, you don’t have to report this activity on your return.

However, your taxes may get complicated when you start trading crypto. This includes buying other cryptocurrencies using virtual currencies, selling your Bitcoin for U.S. dollars, or paying for goods or services with crypto. With this, you have to be mindful every time you trade because every move is a taxable event.

How does the IRS tax crypto?

In 2014, the IRS issued a ruling stating that cryptocurrency should be treated as capital assets rather than a form of currency. With capital assets, you’re taxed whenever there’s profit. For example, you purchased $200 of Bitcoin. When it increases in value and sells for $500, you earn $300, subject to capital gains taxes.

What happens if your crypto doesn’t profit but loses value over time? That’s called capital losses, and with it, you won’t owe the IRS taxes. You’ll only owe taxes if you have capital gains. For instance, if you bought $1,000 of Bitcoin and sold it for $700, you won’t get taxed. Plus, you can even use some of your $300 losses to offset other investment gains. 

You can’t deduct all capital losses from your taxable income, as there’s a limit. For individual filers, you can only knock off up to $3,000, and $1,500 if you’re married filing separately.

How much crypto tax do you owe?

Your owed taxes will vary depending on your trading activity and how long you have owned the crypto.

  • If you have owned cryptocurrency for more than a year, your profits are classified as long-term capital gains, which are taxed at a lower rate based on your annual income.
  • If you’ve held your crypto and sold it within a year, your profits are labeled as short-term capital gains, which are taxed at your usual income tax rate.

When you earn virtual currency through mining or receive it as a form of payment or promotion, the entire value of your crypto counts as regular taxable income, and it’s taxed at your usual income tax rate.

Can the IRS track your crypto transactions?

On Nov. 15, 2021, President Joe Biden signed the Infrastructure Investment and Jobs Act (HR 3684). The law mandates brokers of digital assets to report certain information related to crypto trades and payments for tax compliance. It means that exchanges would have to report your crypto transactions to the IRS. Reporting obligations will start on the 2023 tax year (to be filed in 2024).

How do you report crypto income?

When you receive cryptocurrency, whether by earning Bitcoin through mining or accepting crypto from blockchain payments, you need to record its market value in U.S. dollars the moment you receive it. Then, you’ll have to report it as personal income on your tax return.

Keep Good Records of Your Crypto

You don’t have to worry about taxes if you’re just purchasing crypto with U.S. dollars and storing them in your wallet. However, if you’re doing complex crypto activities, you must keep good records of your transactions so that you can accurately report them on your tax return. Even if the IRS has records of your activities from exchanges, it doesn’t hurt to have your own copy and be a responsible crypto trader.

Uncategorized Editor Sun, 10 Jul 2022 22:51:06 -0400