What Affects Currency Rates?

by Sean Bryant on February 17, 2017

What Affects Currency Rates?

The value of a nation’s currency strongly influences the health of its economy, and changes in its price play a pivotal role in a country’s trade balance between imports and exports. A strong currency can negatively affect exports, making goods more expensive for foreign buyers. Conversely, a weak currency can help exports, which, in turn, supports the country’s economic growth.

If you wish to buy and sell popular currency pairs, such as EUR/USD, you can access the global foreign exchange market through trading brokers, including online platforms such as UFX.com. To take advantage of fluctuations in currency prices, you’ll need to utilize a range of trading tools and advanced charts. These can help you make informed decisions when participating in the world’s largest and most liquid investment market.

What should you monitor when trading in the FOREX market?

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4 Habits of Rock Star Real Estate Agents

by Sean Bryant on February 15, 2017

Rock star real estate agents

Being successful in any field takes a lot of hard work, patience and time to build a stable of good habits. You don’t achieve greatness overnight and you have to work at making the right habits a part of your every day life. If you don’t know where to start, you should follow the habits of those who are more successful than you (you don’t have to copy everything, but notice what works and what doesn’t).

You can’t simply go through the motions if you want to be at the top of your field, and in the hyper competitive world of real estate, if you aren’t making money, you’re losing money. Instead of following around the competition, we’ve put together a list of habits you should be implementing into your regimen every day.

Start Your Day with a Morning Ritual

It may seem kind of silly at first, however, Psychology Today recommends starting your day off with a morning ritual. Along with a cold glass of ice water, it’s a great way to wake up in the morning with natural energy. Get your blood pumping and mentally prepare yourself for the day.

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3 Ways Robo-advisors Reduce the Cost of Investing

by Amber Berry on February 3, 2017

Ways Robo-advisors Reduce the Cost of Investing

Ways Robo-advisors Reduce the Cost of Investing

The face of investing has undergone some changes in recent years and the most prominent being the development of the robo-advisors. What is a robo-advisor? Simply put, it’s an online version of a financial advisor to guide you in your wealth management. The investing game changed forever once the opportunity came to have people be able to invest and manage their portfolios via the internet. Because this method can be automated and does not require face time with an advisor, the costs significantly decreased. These lower costs and fees make it much more affordable for people to invest.

Traditionally, one had to connect with an individual at an investment firm to get advice on building a portfolio and managing their wealth. The most common way to pay for those services was on retainer. This means that the advisor would get a percentage of the all the assets managed every month. This typically cost around 1-1.5%. For this kind of business model to work, it makes the most sense for advisors to take on high net worth clientele. In addition to these management fees are the other costs of investing like per trade costs and transaction fees.  The problem with this model is that it makes wealth management services out of reach for low and middle-income individuals.

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While automation may be the future, we cannot discount the value that a human can add to a product. Perhaps blindly trusting computers is not your ideal scenario, especially when it comes to your investments. This is when a company like Personal Capital can be useful. They will help you both keep track and manage your wealth.

Within this Personal Capital review we will talk about the two parts to Personal Capital’s strategy: financial analytics and wealth management. The analytics section will let you do things like budget, calculate your net worth, analyze the fees your broker charges, and view your general investment scheme. The wealth management part will optimize your investments by assigning a dedicated advisor to your account. This part also offers a few similar features to other fintech advisors, such as tax harvesting. They will take all of your wealth into consideration, not just the funds you have with Personal Capital.

Financial Tools from Personal Capital

Net Worth Analyzer

Personal Capital Review Net Worth Analyzer

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Barclaycard Ring MasterCard Review

by Sean Bryant on January 27, 2017

Barclaycard Ring Mastercard Review

Barclaycard Ring Mastercard® Review

The Barclaycard Ring card is a fairly unique credit card. It is a low fee card, that gives cardholders a platform where they can voice their thoughts and request new features they would like to see added to the card. This is something that you won’t find on any other card available.

Barclaycard Ring MasterCard® Benefits

The Barclaycard Ring card isn’t going to offer a big, flashy signup bonus, and it’s not going to offer rewards on the purchases you make. Instead it’s going to help reduce your cost of borrowing with low fees and one of the lowest APR’s available today.

Low interest rate

The standard variable interest rate on purchases, balance transfers, and cash advances is 8.5%. This is a much lower rate then you will see with most other cards available. While you should always do your best to pay off your balance at the end of the month, sometimes it’s unavoidable. For these times, a low rate card like the Barclaycard Ring MasterCard® is beneficial to have in your wallet.

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How to Deal with Unexpected Expenses

January 25, 2017
Unexpected Expenses

Despite our best intentions to be responsible adults with a budget, there is one thing we are never immune to: unexpected expenses. We’ve all been there. You get into a car accident. You get a mysterious illness that puts you in the hospital. A family member passes away unexpectedly. Unexpected expenses can bring a lot […]

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Wealthfront Review: Get Started Investing For Free

January 9, 2017

Start Investing For Free After This Wealthfront Review The revolution in personal finance is already happening. You can pay with your phone by waving it in front of a sensor. You can then recharge that phone by tapping it to an ATM. All your financial data is stored in there, and we make transactions online […]

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