Is Hiring a Wedding Videographer Worth the Money

There are a couple of moments thought your life you will remember forever. One of those moments is the wedding day without any doubt. It is a special day when you will no longer have the right to lead the same lifestyle as before. You can no longer spend money alone, travel alone, or many any other decision individually. Despite that, you will have to learn how to show tolerance, flexibility, and love every day. We are sure these reasons are enough to remember your wedding day until the end of life.

The good news for people is that they are living in the 21st century. Our lives depend a lot on the development of advanced technology. Turning one of the most essential days in your life into video is no longer a problem. However, making videos with your mobile phone is not going to be the best option. You may manage to capture a couple of moments and post them on your social media. However, the memories are more than Instagram posts or stories. We need to keep them until the end of our life. 

That is the reason why hiring a wedding videographer worth the money. Of course, we do not expect you immediately agree with our statement. That is the reason why we would want to highlight a couple of reasons to hire a wedding videographer. If you have been skeptical so far, we are sure our list will change your way of thinking.

The Quality of the Videos

As we said, in today’s world, everyone has access to smartphones with good cameras. People often don’t hesitate to purchase more expensive ones to get good quality videos and photos for social media. However, smartphones are not adequate tools for wedding day recording. That is the first reason why hiring a wedding videographer will pay off. 

These experts will always come to your wedding day with high-quality equipment. The cameras they use cost a couple of thousands of dollars, but they have some excellent features. Despite that, expensive equipment often doesn’t mean a lot if the person does not have the talent to record videos. Videographers are working in that industry for years, and they know how to shoot great videos. 

When we talk about the style of recording, all the couples have two options. They can share their ideas with the videographer and require from the videographer to meet their requirements. However, if they are not sure, they can always ask the videography company to share some suggestions. As we said, these people have a long working experience. Because of that, they will know what exactly you need. Besides, they can always show you the samples of their work where you can find the inspiration.

Usage of Good Software Solutions

Good camera, lights, and every other piece of equipment is not the only thing videographers need. They also need to work with some amazing video editing software solution. Thanks to the services these tools offer, they will manage to make your videos even better. 

We once again need to repeat that videographers have a long working experience. That also means they follow the latest trends in the wedding industry. They will suggest you a couple of modern recording styles before you make an agreement. Your task will be to choose the style that meets your requirements and expectations. 

Keep in mind that this benefit is probably the most essential one on our list. Couples often do not want to make casual videos. There have to be some requirements they will have to make their wedding day memory more entertaining. Thanks to the equipment, tools, and knowledge of the videographers, everything they imagine can turn into reality. 

The Services Are Affordable

Organizing the wedding day often requires a lot of money. You need to rent the space, order food, invite the band, etc. The budgets that couples have usually can’t cover all the costs wedding days bring. Because of that, they delay to organize it until they ensure the necessary amount of money. 

If you have the same problem, the first thing you should do is look for ways to spend less. One of the ways to reduce the costs is by hiring a wedding videographer. People often believe the services these people offer are expensive a lot. However, that is far away from the truth. Of course, the prices are not always the same. They vary from one videography company to another. 

You Can Live Stream Your Wedding Day

According to, wedding live streaming service has become one of the most popular choices among couples. That especially counts for those that live far away from their family or friends. Keep in mind that some of your relatives or friends may not have the chance to come. For example, they live in a different country, state, or town. However, one of the partners can’t imagine the wedding day without that person/those people. Because of that, they decide to live stream their wedding day and make it accessible to everyone. 

Besides, that service can also reduce the costs that you have. For example, you will have to pay for the plane ticket for a person that doesn’t live in your town. Despite that, you will also need to find a place where your friend or relative will have to stay. All these requirements are costly. If you struggle to organizes your budget, a wedding live streaming service is the right choice. 

You Will Ensure Peace of Mind

Even if money is not the problem that you have, organizing the wedding day is challenging. As we said, you will have to take care of many things. For example, choosing the wedding dress is a process that lasts. Despite that, finding the right place to organize the event is also not easy. Because of that, you need to find a way to reduce the number of tasks you have.

Imagine that you also need to take care of the wedding videos. Instead of that, you can let the professionals take care of that. You also won’t have to worry about the quality of your videos. These professionals know how to make your wedding day entertaining and memorable. 

How Blogging can Improve Student Writing?

The blog is very useful for its subscribers. These are people who are interested in certain spheres about which they can learn more while reading blogs. However, it is equally useful to those who run it. Not only is it very easy to use have one, but it really helps many people to express their creative ideas. In addition to people expressing their feelings, attitudes and many other things in this way, they can practice their skills.

One of them which you mostly improve his writing skills. Whether you already have writing talent or simply have an obligation to do this, blogging can significantly affect your abilities. In a positive way, of course. And as a student, you are constantly facing numerous written assignments. You may not notice a huge improvement at first, but after some time you will notice how your essays and other written assignments get better and better. This will be the result of frequent blogging, among other things. If you want to know more about how blogging can improve writing, keep reading and find out in the rest of the text.

1. You will write regularly

In school or college, you usually have periods of the year when you constantly have written assignments, and then you don’t have a single essay for a few months. That leads to the fact that you do not have the habit of writing and therefore the skill that you improve in one period of the year, you lose in the next semester. And you can do nothing about school program. But once you make a blog, you won’t have days off when we talk about writing. You will have to post new texts at least a few times a week, otherwise, no one will read your blog and that is certainly not your goal. That way you will go into the routine of everyday writing and it will become something easy and fun for you, not challenging as before. It doesn’t mean that you have to pen thousands of words every day, short posts are more than enough.

2. Practice makes perfect

Whether you play football, doing math, or writing, exercise is a must. No matter how talented someone is, without hard work there is no success and it is no secret. You will hear that in every sports ad and that is true. So this is an ideal way for you to practice writing. When you exercise, it doesn’t matter at all that everything is perfect. You will write a lot of texts that you will not like and will not be good, but it does not matter. You will not publish each of them anyway. It is all these failed attempts that will lead you to significantly improve your skill. The more you do it, the more you will want to write every day, and the best ones you will post on your blog. Quantity will lead to the fact that you can choose the best quality, and also practice until everything becomes perfect. And remember, you must never stop practicing. Even if you have reached a good level, if you stop practicing, your skill will decline and you will return to the beginning. And you certainly don’t want that.

3. You develop creativity

We need creativity both for writing and for various other tasks in life. Often we will face problems that cannot be solved with a simple approach, but we must be creative and figure out how to approach the problem. One such obstacle may be a college essay whose topic is very difficult to answer. If you don’t practice writing, you won’t be creative enough to figure out how to respond to a given topic. Improved creativity will also lead to your content being completely original and everyone knowing that you wrote it. So there is no success in life without creative thinking and blogging is one of the best ways to develop creativity.

4. It will sharpen your brain

Blogging means that you will constantly research different topics and then write about them. Reading and learning have been shown to be the best help in the fight against Alzheimer’s and other brain diseases. By writing a blog you will further develop your brain and sharpen your thinking. This will help you not only with written assignments, but you will notice how you learn faster and better. That will have comprehensively positive effect on your academic life. You will also notice that it is easier to remember certain words when you need them. If you write in a language other than your mother tongue, it will improve your knowledge of that language and make it non-passive, which always happens if you rarely use it.

5. You will have feedback

When writing for school, it can often happen that you don’t have good enough feedback on what you did well and what you didn’t. You just get a grade and that’s all that tells you if you did a good job. When you write a blog, this is not the case, because you will get feedback immediately. One of the indicators of the quality of your work will certainly be the number of readers on the blog. But that’s not the only thing. Below the text, everyone will leave their comments, and most of them will contain a comment on what they liked in the text and what they didn’t. Then you will know exactly what you need to correct. Don’t be demoralized if there are more negative than positive comments. People know to be critical, but remember that it will only help you, because you will improve your skill based on their remarks. Of course, you shouldn’t listen to every remark, because you can never please everyone and you won’t develop your own style of writing.

Make money

Lastly, we need to draw your attention to the fact that you can make money. This will be a consequence of your improved writing skills as you write the blog. Students always need extra money, so why not do it this way. A blog can bring you money. But that’s not the only way. Once you improve your skill, you will be able to apply for some of the content writing jobs that are becoming more popular and more profitable today because quality content is essential for SEO. Visit and find out what it takes to be a content writer, so to pay attention to practicing those necessary skills while writing blog posts.


A blog is definitely the best way to improve your writing skills. And that’s a skill you’ll need both during school and later.

What Borrowing Options Do People Have Other Than Going To A Bank?

Financing, may it be personal or for business, is notorious for being difficult to obtain when you’re trying to take one out from a bank. If you’re applying for a loan with a bank, a guarantee that you’ll get approved doesn’t exist. Add to it the fact that most banks require a stellar credit from the applicant. And if you’re a business owner, your business should have been in operation for at least 2 years. It’s no wonder why people are turning to alternative options for financing.

The industry for alternative financing has been growing exponentially. For individuals in need of funding to cover emergency financial gaps, the alternative financing industry’s expansion has been a boon.

With most of the alternative financing options presented below, one can apply and get funding much more easily and quickly than he or she would with a loan from a bank.

1. Online Lenders

From personal loans to mortgages, financing products that you usually see offered by banks are also offered by online loan companies.

It’s just that online loans and bank loans differ in a few important ways. First, in terms of income level, monthly or annual revenue, time in business, and credit score, online lenders come with less stringent requirements compared to banks. That leads to the second important difference between online loans and bank loans – it’s easier to apply with online lenders and the funding of the loan takes less time too. Therefore, the advantages that make online loans stand out are its convenience and accessibility.

If you’re still on the fence about whether or not online lenders are worth the try, visit this site to understand how an online loan company can help you.

2. Credit Unions

These alternative options for banks work by an entirely different set of rules. They differ from banks even though they may resemble a regular bank when you see them from the outside.

Credit unions are actually non-profit cooperatives. These financial institutions maintain their non-profit status by restricting membership to a specific group of individuals. For example, their members can be residents of a particular community, or those working at or attending a specific educational institution.

Credit unions typically offer lower interest rates because non-profit organizations enjoy a tax advantage. When it comes to products like savings accounts, however, credit unions tend to place higher rates.

3. Microlenders

Another borrowing option other than banks are microlenders. A microlender offers a microloan, which is a small loan amounting close to USD$5,000 – USD$10,000. Microlenders also offer low interest rates on their financing products.

Start-up businesses are the ones who typically receive microfinancing for their working capital. In addition, microlenders often serve disadvantaged or under-represented groups such as those with bad credit, minority-owned businesses, veteran-owned businesses, and woman-owned businesses.

The small amounts of money that are involved in microloans are something that banks have not been interested historically. Fortunately, in recent years, alternative lenders have entered the microloan space.

4. Community Development Financial Institutions


Within the US, CDFIs have been serving the under-served and economically-disadvantaged communities. They’re financial institutions offering financial services, including financing. It’s essential to note, however, that CDFIs aren’t government entities.

The title of being a community development financial institution can be taken on by several different institutions, including:

Community Development Corporation,

Micro-enterprise Development Loan Fund,

Community Development Venture Capital Fund,

Community Development Loan Fund; and

Community Development Credit Union.

5. Merchant Cash Advance Company

Although merchant cash advances (MCAs) can be more expensive than a regular loan from a bank, they’re relatively easy to get. Just like short-term loans, MCAs have a factor-rate fee structure.

A merchant cash advance is an advance on an individual’s future earnings. So, technically, it isn’t a loan. What happens is that an MCA company fronts the borrower a set sum of money. As a form of repayment, the lender will recoup the advance, including the interest, as a percentage of the borrower’s daily sales. Therefore, depending on your sales performance for a certain day, there will also be fluctuations in the amount you pay daily.

Until an MCA is fully repaid, the merchant cash advance company will keep taking a cut from the daily sales of the borrower. That being said, there’s actually no set deadline in repaying a merchant cash advance generally.

Since MCAs have higher interest rates than bank loans, it’s not really recommended to get one if you can qualify for a financing product with other alternative lenders. Both struggling businesses with bad credit and even brand-new businesses, though, have MCAs as one of their few available sources of financing.

Make sure that the merchant cash advance company that’s giving you the advance doesn’t practice double-dipping if you do decide that an MCA is your best financing option. Double dipping is the practice of charging borrowers with interest on interest. In determining the approximate number of repaying days and the approximate daily payment, your MCA company of choice should also utilize a merchant cash advance calculator. The merchant cash advance calculator is important so you have an idea whether or not the cash advance you’re getting is a good deal.

6. Accounts Receivables Financing or Factoring Company

Leveraging the outstanding customer Accounts Receivables (AR) of your business may be possible if you own a business that deals with customer invoicing. That means you can use the AR of your business in exchange for AR factoring or financing. There’s a difference between AR financing and AR factoring, though, and that’s something that you have to keep in mind.

With AR financing, you’d use your business’ outstanding invoices as financing collateral. However, the collection of payment from your customers would still be your responsibility. When factoring accounts receivables, on the other hand, you’ll receive 70-90% up front of your business’ total outstanding receivable value. The rate, though, is dependent on the account’s age generally. The responsibility of collecting the outstanding invoice would then be assumed by the factor company.

7. Credit Card Company

If you’re looking for a way to pay expenses without the need to take out a loan, credit cards are a borrowing option that’s maybe worth looking into. Having a credit card on deck can be a smart idea even if you don’t really need to make a huge purchase right now. It can be useful when you do need it. You can use one to pay for small or large-ticket items while building your credit profile and earning rewards.

Make sure to pick a credit card company that gives users the highest rewards or miles for the types of buys you make most when choosing one. One example of a credit card reward is cash-back amount. That’s because some credit card companies are ideal for home supplies purchases while others reward travel expenses better. Also, if you can find a credit company with a 0% introductory annual percentage rate for the first year, then that’s your better option.

Note, however, that a good or excellent credit score is generally one of the major requirements of the best credit card companies out there.

8. Peer-To-Peer Lenders

P2P or peer-to-peer lending doesn’t involve a traditional financial institution. This financing form occurs between individuals or “peers” directly. That’s why loan amounts are typically small. The terms of loans taken out from peer-to-peer lenders are also pretty short. P2P short-term loans only last from 1 to 5 years.

The Internet’s infrastructure and social networking power contributed so much to P2P lending’s success. Lenders and borrowers can come together in online marketplaces offered by P2P lending websites. Often, several private lenders share in partially funding each borrower’s loan amount.

P2P lending sites help lenders determine the risk involved in lending funds to borrowers. They do this through an assessment of the creditworthiness of each borrower as well as through identification and verification services.

In peer-to-peer lending, tax payments, repayment schedule, as well as the terms and conditions of the loan as determined by both parties will be covered by precise documentation.

9. Crowdfunding Sites

For business owners, crowdfunding is a smart way of raising funds from their peers online. Charity, equity, rewards, and debt are the four types of crowdfunding.

With equity crowdfunding, someone will invest in your business and the investor gets a share of a certain product your business is offering or your business itself. With rewards-based crowdfunding, you agree to giving your backers something in exchange for their donation. That means there’s no need to repay the money you received.

It’s essential to note that only some types of businesses are prioritized by crowdfunding sites. Some crowdfunding websites focus on individuals who create an innovative, consumer product like a new tech gadget. Others are geared toward people who are into creating a movie or music album or some other sort of media.

Final Thoughts

People who are thinking of borrowing from the alternative lenders from the list above should exercise their due diligence before committing to anything. That’s because some platforms for alternative financing are relatively new and lack regulation. That, however, doesn’t change the fact the you have more financing options other than just going to the bank.

6 Main Differences Between Long-Term and Short-Term Equities

Equity represents shared ownership of assets by any investors. There are different types of equities, such as Contributed Surplus, Stocks, retained earnings, additional paid-in capital. The simple explanation of this term is that it represents the amount of money that an investor can get in form of profit as a result of his investments in assets or liabilities. Also, there are two main methods of investing in the market, long and short term equities. If you are interested in some of the best long term options for 2020, click here.

These types of investments are a varied popular option for a long time, and there are many professional organizations and groups of experts who choose to combine their investments for improved chances to make a profit. Stock is the most common type of equity, especially large-cap, domestic, growth, and small-cap stocks. Also, you can choose between two methods of trading, long term, and short term. In this article, we are going to introduce you to the main differences between these two options.

1. Duration of Financial Asset

People who are interested in investing more money are often interested in investments for longer period that might bring them a high profit over time. Apart from that, you could earn quickly by selecting the right option for a shorter period. Moreover, there are a lot of day-traders as well who are active on the market, and they are earning by investing in shares with higher volatility. When it comes to the dissimilarity between shorter and longer investments, the minimum duration for long-term investment is one year. Each investment that you withdraw in a period shorter than one year is considered as short-term equity.

2. Market Aspect

Depending on which sort of investment you are interested in, you should research the market with your preferences. You should check the analyses and the potential of every asset to check which period is the best. Therefore, if you are interested in investing money in shares of some company that has the potential to become successful over time, you should choose a long-term investment and wait for the profit for at least a couple of years.

3. Risk

While there is a risk in both situations, it is much higher for long-term investments because there is a chance that the equities you have chosen could become less valuable or even worthless in case that a company went bankrupt, or stocks significantly lose their value. When it comes to short-term investments, there is still a risk present, but since the period is much shorter, you always have time to withdraw your investments.

4. Status of The Capital Assets

This term is related to the market of real estate, where the investment is considered to be short-termed when you won a property for less than three years. The advantage is that there are fewer chances that you won’t make a profit. On the other hand, properties owned for more than three years are long-term ownerships, and they bring both risks and potential when it comes to value. The best way to keep your investment is to pay attention to proper maintenance and check the situation on the market more often. If you notice that there is a great chance for prices of real estate in your area to go down, you should immediately try to sell the property.

5. Profit

As we already mentioned, the main reason why people invest in assets for a longer period is that they are hoping to earn much more than they invested. That method has great potential if you manage to find the right equity. On the other hand, if you are interested in making a profit much faster, you should invest in stocks, market shares, and other types of equities and sell them during the same year or after they reach a higher price. The benefit of short-term investments is that you can gather profit more often. That is why many people choose to invest in several stocks and actively trade on the market with them.

6. Taxes

Another big difference is related to taxes. In most cases, the index will be lower for longer investments since you will have to wait for the profit. On the other side, it might get much more efficient to combine trading with different cheaper assets since the tax rates will be lower as well. Nevertheless, you have to know that each country has its regulations related to the taxation system, and you should learn more about one in your state.

The Bottom Line

The most popular short-term options are gilt funds, debt funds, bank deposits, post office deposits, treasury bills, money market funds, recurring deposits, large-cap funds, and more. ON the other hand, investing in stocks of some big corporations or start-ups with great potential are the most common options for longer investments. One of the best examples is related to the price of Apple shares. The famous company from the United States is present in the stock market for over 30 years. If you invested around $1,000 during the late 80s, you would have over $200,000 only from that investment.

There are many other similar examples where you could earn a lot of money by investing in the right thing. The same situation is on the market of cryptocurrencies as well, where Bitcoin has reached another record and is currently valued at over $20,000. During the first quarter of 2020, the price of BTC was around $3,500. In that matter, you could earn over $16,000. That was an example of a short term investment with a high return rate.

You should select the right option by your preferences and the amount of money you are prepared to invest. As you can see, both methods can provide you with an excellent profit. However, you should never rush with your decision over which type of asset to choose. Moreover, a lot of people rather invest in both long and short-term equities to improve their chances to make a profit and prevent losses.

Black Friday, Do Not Be Tempted

Shopping on Black Friday sales has turned into some sort of a ritual in America. From huge crowds gushing into the store to buying stuff that you don’t need, all this is very common when it is Black Friday.

There was a time when this day was a thing. But with every year it has only got terrible. If you are smart kind, you would want to avoid Black Friday sales. This may sound legit crazy to many of you shopping freaks. But we have more than one reason to give.

We don’t have anything against huge sales. No doubt, it’s great for brands as it helps them boost their sales. But it is better to shop during other times of the year than to rush to the stores on this day.

Why you should avoid Black Friday sales?

We agree Black Friday sales are tempting. It is at this time of the year when big brands offer huge discounts and free items. You can buy all your favorite things at half the price or even less. Everything sounds great, but do you think participating in this madness is worth it?

There are so many reasons why Black Friday is over-hyped. Whether you agree or not, you can find good deals throughout the year. For instance, you can check out sites like Shoppok where you can find many great deals to grab. You don’t have to particularly wait for deals to buy your stuff.

Here are some of the main reasons why you should not be tempted by Black Friday:

1. Too much crowd

The first and most obvious reason to avoid Black Friday is the massive crowd at shopping malls and stores. This is the very reason why many people have stopped shopping on this crazy day.

With so many people in the store, it becomes extremely difficult to shop. Not to mention the long queues at the bill counter and no space for parking. Black Friday is one of the busiest shopping days in a year. During this time, safety protocols are dropped in many places. This means it’s no longer safe to shop in crowded malls.

Instead of pushing through the crowd and shopping, it’s better to order online. You can check the exclusive deals available on other sites and buy all the stuff you need. This site offers you equally better deals as Black Friday.

2. Shopping becomes difficult

Shopping is done best when you have fewer people around you. But on this shopping day that is not even an option. People wait in long queues outside malls for the shops to open. They rush into the store as if it’s their life’s last shopping day. In such a crowded situation, it becomes extremely difficult to shop.

When shopping on normal days, we like to compare products and check the quality before finally paying for it. But all this is impossible on Black Friday. During this time people don’t do product research, they just buy whatever is there in front of them. This increases the chances of buying a defective or wrong product.

It is better to shop online in peace than to visit an overly crowded mall. You can get equally better deals on other websites. They offer great deals on all sorts of items.

3. Leads to unnecessary spending

Retailers take advantage of your inability to resist the buying craze all around you. During the biggest sales day of the year, people don’t think much. They see an attractive product at discount, they buy it. They don’t even think about whether they need that product or not. This leads to unnecessary spending.

You think you are saving money on all your purchases. But in reality, you are spending the saved money on buying unnecessary stuff just because they are available at huge discounts.

Many retailers offer time-specific deals and offers. This creates even more craze among the buyers as they fight through the crowd to buy it. You would probably get these items at a better price somewhere online. But the craze of Black Friday sale blinds you.

4. You get better shopping deals throughout the year

Black Friday is not the only time when you get attractive offers and deals. Today, almost all online shopping stores and apps offer exclusive deals throughout the year. If you want to buy something, then you have the whole year to shop. You particularly don’t have to wait for Black Friday sales.

With the advent of online shopping, you can buy any item imaginable from the comfort of your house. There is no need for you to push through the crowd and waste your time.

You just have to keep a check on the online deals. As soon as, the seasonal sales starts, you can buy all your stuff online. This is any day better than wasting away half your thanksgiving day getting elbowed by strangers.

5. Sale items are cheaper brands

In most cases, you will see all the cheaper brands offering huge discounts. You will rarely come across big brands like Apple and Samsung offering discounts up to 75%. If you still feel tempted to buy this cheaper stuff, God is with you. That’s because there is a high chance that these items will not last for long.

Buying cheaper brands on sale is simply wasting money. They usually don’t provide any guarantee and even if they do, it’s only for a short period. Instead of wasting your money on such items, you can buy something worthwhile in online stores. Big brands often provide attractive offers online.

From the above discussion, one thing is clear that Black Friday sales are over-hyped big time. You can buy the same items on sale throughout the year. There is no need for you to waste your time on Black Friday deals. One of the worst things about Black Friday is that it makes you lose your Thanksgiving Day as they open early on Thursday.

Final words

Resisting temptation is always difficult, especially when it comes to discounts. But the biggest selling day of the year has ceased to be so with the advent of online shopping.

Take care of yourself, your health, and your money.

7 Tips to Keep Your Wealth and Assets Safe

If you have worked hard to reach your financial goals and you’re finally living the lifestyle you’ve always dreamed of, it can be scary to consider the prospect that it could all be taken away.

Don’t lose sleep at night wondering if the money you’ve worked so hard to accrue will be yours as long as you need it! There are ways to protect your wealth and assets, so even in unforeseen circumstances or an emergency, you won’t lose everything you’ve worked so hard to earn.

Know When to Hire the Right Attorney

It is extremely important to know when to hire the right attorney. Dealing with legal issues can get expensive fast, so making sure you have the right person on your team can go a long way towards protecting your wealth.

For example, If you’re injured in an accident, much of your money could go down the drain on medical costs. Hiring an attorney is important, but you have to make sure you hire the right one. According to Attorney Brian White, “Since most personal injury attorneys work on contingency, you may end up receiving less money if you hire a mediocre or inexperienced attorney.”

Going through a divorce? Even if it’s relatively civil, you should still hire an attorney. Struggling with a business partnership? An attorney can help you find a resolution that doesn’t require you to pay more than you should. When in doubt, schedule a consultation to see how an attorney can work to protect you and your assets.

Plan Your Estate and Keep It up-to-Date

When you think of estate planning, you probably think about what is going to happen to your money and your assets after you pass. This is an extremely important thing to think about. Proper planning can prevent family squabbles and issues, but it’s not the only kind of plan you should have.

If you have multiple assets and multiple streams of income, it is extremely important to plan how they will be used throughout your lifetime. For example, a trust might be used to pay for a child’s education, while earnings from stocks may be used to pay certain bills.

Make sure you revisit your strategy often. This ensures that you’re keeping money in high-yield accounts and you’re covering all of your costs without any shortfalls.

Hire a Financial Advisor You Trust

For those with wealth and multiple assets, hiring a financial advisor is a no-brainer. They can provide you with services that include:

  • Guidance on developing an investment strategy
  • Asset allocation
  • Minimizing taxes
  • Rebalancing a portfolio
  • How to time retirement account withdrawals

They can also provide you with support when making decisions that make you feel uncomfortable. An advisor can keep your fears and emotions in check, which is extremely important when making decisions that will affect your assets, your income, or your portfolio.

Don’t Put Primary Assets in Your Name

There are many reasons to start a trust. It can allow your family to avoid probate when you pass, it’s a great way to pay for a child’s education, and it can be a great way to support a charity that you feel passionate about.

It can also protect your assets while you’re alive. For example, putting a sizeable investment in a trust with your children as beneficiaries can keep you from losing the money if you’re sued. You can also hold other things, like an expensive car, in a trust in order to keep your name out of public records.

It’s also important to separate personal and professional assets. That way, if you’re ever sued professionally, they can’t come after your personal assets, and vice versa.


A lot of people talk about diversification, but it can be more tempting to put all of your eggs in one basket. When the possible returns seem massive, you may want to go all-in, but a more restrained approach is always the best approach.

Diversification means utilizing a variety of investments to get the biggest return on your money, but it also means diversifying other aspects of your wealth. For example, having a financial advisor is important, but you may want to add a stock broker to your team. You may want to have traditional accounts in the United States, but you may also want to consider trying an offshore account. Diversifying in a variety of ways can help you best protect your wealth.

Don’t Rely Upon Homestead Exemptions or Bankruptcy

It’s surprisingly easy to get reckless with your money, even if it doesn’t seem reckless at the time. That’s because declaring bankruptcy often meant that you could clear away your debts while keeping many of your assets. At least, that’s what it used to mean. Those declaring bankruptcy today aren’t so lucky.

Today, homestead exemptions are limited and changes to the bankruptcy code mean you’ll end up losing a lot more of your assets than in the past. Not to mention, it leaves the future of your wealth in the hands of a bankruptcy judge, which means you aren’t going to fare so well.

Don’t Be Overly Flashy

Protecting your assets and wealth often involves complicated legal documents and in-depth strategizing, but it also includes common sense. You’re just as at risk of theft as you are of suffering a bad day at the stock market.

Don’t be overly flashy with your wealth. That doesn’t mean you can’t buy that boat or the Ferrari that you’ve always wanted, but it does mean that you should keep pictures off of social media. It’s also a good idea not to bring up your purchases or your wealth with the wrong crowd. Even family can get greedy and do something rash to affect your wealth and assets in a negative way.

Just because your money is sitting in a high-yield savings account doesn’t mean it’s safe. From houses to cars to cash, there are many things you should be doing to keep your wealth right where it is so you can enjoy it for a lifetime.

5 Reasons Why You Should Invest In Gold Now

“Gold is money, everything else is credit.” – JP Morgan

The famous financier and banker said this over a hundred years ago, and it’s still relevant today. The point is that the gold you possess has no counterparty risks; it doesn’t derive its value from anything or anywhere – never has, never will. JP Morgan had reasons to believe that gold will be the “last man standing” when everything else falls apart, and it will be standing tall.

Gold is a widely respected asset for its rich history and value, and it’s become an irreplaceable part of many cultures all over the world. For centuries, people have held gold for many reasons. It’s always been considered the thing we fall back on in times of uncertainty, even today in modern society and the new economy.

Without a doubt, gold is one of the most stable investments, with minimal risks involved. Have you ever wondered why that is? If so, continue to read to find out!

Gold preserves wealth


One important thing you should know is that gold retains value. This is why gold is so important in the modern economy and why it’s considered a stable investment – it has preserved wealth throughout thousands of generations, while the same cannot be said for paper-denominated currencies.

The thing about gold is that it has a constant nature. Although there is no exact constant in economics, it’s undeniable that the purchasing power of gold has been constant like no other currency ever.

It’s evident that times are unstable, and we can’t deny the political and economic situations’ incertitude. This is why many investors look at gold as a safe haven. Throughout history, many empires collapsed and crises occurred, and the only ones who were able to protect and retain their wealth were people who possessed gold.

Even with the uncertainty of the economic state, and with the convenience and popularity of electronic money on the rise, gold will continue to shine over the next few years, according to Pacific Precious Metals.

Unlike many investments (stocks, bonds, etc.) gold has intrinsic, tangible value, which is why many investors are a lot more confident in it than other commodities, and why they trust gold to protect their wealth when the economy is crumbling.

Diversify your investment portfolio


Gold has always been regarded as a valuable diversifying investment, regardless of inflation, the decline of the U.S. dollar, etc. If you think that stocks and bonds don’t provide enough diversity to your portfolio, you can always add a bit of gold, but you have to be careful about how much gold is enough.

Generally, your investment portfolio should be structured to help you reach long-term goals, and gold can be a great addition. However, many experts claim that you have to be wary of how much gold you should include. The general rule is that gold shouldn’t take up more than 5-10% of your portfolio. The exact percentage depends on your situation and risk tolerance.

A hedge against deflation/inflation


Saying that gold can be an excellent hedge against both inflation and deflation might sound a bit counterintuitive, but it’s true. Gold’s purchasing power has more chances of increasing during deflation than during inflation. This is the truth we have witnessed throughout history.

A period in which prices decrease, and the economy is burdened by excessive debt has not been seen globally since the Great Depression in the 1930s, although we’ve witnessed deflation to a small degree following the 2008 financial crisis.

During the Great Depression, the price of gold escalated quickly as other prices decreased sharply. This is because, at the time, people hoarded cash in the form of gold.

Right before the Great Recession, the price of gold had already been on the rise, and in 2008, as the stock market bottomed out, the price of gold kept rising, and it continued to do so even when the economy started to recover.

Gold is also seen as a hedge against inflation – when the cost of living increases, so does the price of gold. If you look at the last 50 years, the gold prices soared just as stock markets plunged during the high-inflation years. This is mostly because when fiat money loses its purchasing power due to inflation, gold is priced in that currency unit and tends to rise along with everything else. Furthermore, gold is considered a safe store of value so more people purchase it when they believe their local currency is losing value.

A wide range of options available


Now that you’re familiar with gold’s value, it’s time to choose what to invest in. The vast range of gold bullion coins, bars, and rounds from mints around the world means you have so many options from which you can choose.

If you’re interested in gold by the US mint, there are two most popular and precious coins they produce – the American Gold Eagle, and the American Gold Buffalo.

American Gold Eagle is undeniably one of the most famous and beautiful gold coins. It’s a 22 karat coin containing one troy ounce of fine gold. The observe design features Lady Liberty with the Capitol building in the background, and the reverse design has an American Bald Eagle carrying an olive branch.

American Gold Buffalo is an exceptional 24 karat bullion coin. The observe depicts a Native American, and the reverse shows an American Bison, more commonly referred to as buffalo.

Besides the US mint, there are coins from other prominent mints worldwide, including Canadian, Perth, South African, Chinese, Mexican, Austrian, the Royal mint, and the Royal Australian mint.

The Gold Maple Leaf by the Canadian mint is one of the most famous and in-demand gold coins globally. It’s the most sold gold coin globally, and its population is only surpassed by the Krugerrand – a gold coin named after the South African’s first president Paul Kruger, who is also featured on the observe, with South Africa’s symbol, the Springbok Gazelle on the reverse.

British Royal mint’s most alluring gold coin – the Britannia, features queen Elizabeth II, while the reverse depicts Britannia, a feminine figure that is the symbol and personification of Britain.

As for bars and rounds, you can find gold bars that weigh from 1 to 10 ounces and bars the size of 1 to 500 grams. Bars come from mints around the world, with different designs and levels of fineness.

Convenient ways to purchase


Purchasing gold has never been easier than it is in the 21st century. Today, you can even do it from the comfort of your home. All you need is a credit card, and you’re good to go. Not only is this convenient, but it’s also completely secure, thanks to the fully insured shipping.

If you’re more of a traditional buyer and want to touch your purchases, there are also physical brick and mortar stores where you can buy gold. By buying gold in person, you can witness how they test the gold for authenticity.

All in all, the most important thing when buying gold is trust. There are many dealers and many options, but nothing comes close to buying from a trusted dealer that will prove their gold value and authenticity in front of your eyes.

Final word

Whether you know all there is to know about gold, or you’re a novice to the world of gold, you must admit that investing in gold sounds like a top-notch idea, and you’re right. Just be careful who you trust to sell you the precious yellow metal.

5 Tips to Achieve Financial Success in 2020

We all want to earn as much money as we can because the world is strongly wired to finances and financial benefits. You need to understand that financial success doesn’t mean saving your earnings. That’s only a small part of it, and there are so many factors you need to keep in mind when you want to gain this type of success.

Most of the people have the wrong perception that they need to live like they are poor, so they can save more. But, that’s not a great choice, knowing that we need money to live, for food, rent, clothes, transport, and so many other things that we must pay for so we can use them. We can’t prevent the spending, but we sure can develop a financial strategy that will let us plan the way we spend our salaries or even learn how to invest them, decide what are our priorities, and start our success story today.

Here are 5 great tips on how to do that:

1. Know your worth

Many people earn less than they’re worth. Some of them are afraid to ask for a better salary because they think the employer will deny their application if they want a better payment. But, not knowing your worth is one of the greatest problems of today’s, and it may be one of the reasons why you don’t earn enough, and you can’t save anything, even though you work at least 40 hours per week.

The reason why you may have financial problems all the time is maybe your underpaid job, not the way you manage your money. One of the most important things in your life is to be aware of your worth, so you can put a competitive price on your knowledge and work. Many people think that it’s better to work anything that brings them a stable income, which sadly, often is much less than they really need to be paid. This may lead to denied work applications, but once you are accepted, you will see how important is to be properly paid for what you offer. And the best thing is that you will have fewer money problems, which will help you manage your time and expenses better.

Another thing that you need to learn is to spend as much as you earn, or even save something. Evaluate your skills and productivity, see if your salary is appropriate for everything you do for your company, and cut every cost you can. It wouldn’t be easy, but it will be worth it at the end of the day.

2. Pay all your regular debts

When you receive the electricity or gas bill you need to pay it immediately. Don’t let the bills pile up on your desk, because you will give the money anyhow, but the question is if you want to pay two or three and spend a lot of money, or just one per month, and save the rest. Planned spending is one of the most important things when it comes to your budget discipline. You need to pay your rent, bills, and debts first, so you can avoid fees for paying after the due date.

Next, buy everything you need to survive, like food, cosmetics, cleaning products, hygiene products, monthly bus tickets, and so on. When you are organized, you will always know where your money goes. You must decide which expenses are your priority, and what needs to be paid immediately. This may be a little confusing, but after a few months, you will have a proper finance routine that will help you gain real success in this field.

3. Find alternative ways to earn money

A lot of people around you have second, or even third part-time job, that brings them more money. There are so many cases when the person earns more from freelancing or part-time jobs than they get with the salary. Also, you can work as a photographer, make jewelry, offer some translation, editing, and proofreading services, manage some Facebook or Instagram corporate accounts, offer your DIY products for sale, take online surveys, or you can even trade some cryptocurrencies. You may be surprised to find a bit of advice like this in this article, but according to so many experienced traders, crypto trading is a really good option to make some profit in your spare time. If you think this is a good idea, you can check so you can see how trading works. If you find this idea attractive and appropriate, you can join the huge trading network and start making crypto profits.

4. Review all your expenses

Sit down and write everything on a piece of paper. What are your biggest expenses? How much do you spend on coffee to go or buying food in restaurants? Can you somehow minimize them? Do you really need that pair of shoes right now? Do you have enough money for living? Do you need to be more serious about how you make your savings plan? You can write down everything you buy for one month and try to avoid unnecessary spending. Also, you can download some money organizing apps on your cellphone, that will help you understand better how the finances need to work for you, not against you. Everything is possible, you only need to be serious about this.

5. Keep all the records

Every smart person keeps the bills and records properly organized in a folder. Also, you can always keep a bank record, in case you need it. This is the only way you can always know where your money goes and what you need to do to change and upgrade your spending habits.

Financial success also requires a huge money discipline. We always deserve to buy something nice and new occasionally, but the living expenses are more important. We hope this article will help you understand how important is to be organized and transparent when it comes to your money, and of course, how not to underestimate yourself and your skills and talents at work.

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