Stock Market Opens

Why You Should Consider Investing In The Design Industry

by

best side hustle to earn extra cash and investment capital

The CEO of IBM once said that good design is good business. However, until recently the task of measuring what is a good design and to what extent it influences a business was a difficult job. There was no tool with quantitative values to determine any sort of ranking. Hence, the design efforts of one party couldn’t be compared to the design activities of another.

Five years ago, in 2014, the Design Management Institute decided to change that. The institution published an assessment called the Design Value Index together with analysis. The presented results showed that design-driven companies outperformed the S&P by 228% over a period of 10 years. That is, between 2004 and 2014.

Since then the design industry received a lot of attention. However, do not limit it only to aspects such as product or graphic design. Even elements such as Design Thinking slowly started to become more appreciated. The trend is even visible in the educational system. More and more universities introduce design thinking degrees and courses.

Additionally, the connections between the product design, graphic design, and design thinking started to be not only a part of internal or external company analysis but also slowly became an important factor in the development of a corporate strategy. On top of it all, the topic of design reached headings of top business publications. Suddenly, the world started to talk about it extensively.

Perhaps this still sounds vague to a reader who isn’t familiar with the whole concept of design. After all, the word itself is pretty abstract. As an example, take a company such as Apple. Their success is beyond the beautiful products design and their functionality. Through incorporating design into various stages of the business process, Apple established itself in the modern customers’ lifestyle.

However, there is a word of precaution. The Design Management Institute states that having a design team in-house doesn’t directly lead to success. Sourcing great design is a challenging process and can take time to get it right. Only then, the response from the target audience will be positive and potentially lead to higher revenues.

In a short conclusion, the design industry has been growing rapidly and continues to develop every year. It is a perfect time to consider investing in the design industry as the potential returns can be very favorable.

Author Natalia Raben comes from a business and design background and takes care of marketing at DesignBro (https://designbro.com/brand-identity-design/)

We hope you enjoyed this article on the real reasons for investing in the design industry to get a strong return on investment.

Interested in reading more authentic articles about investing?

Read our blog posts:

– Top Side Hustles To Earn Extra Income

– What To Know Before Investing In Bitcoin

– The Differences Between Day Traders And True Market Investors

Why You Should Invest In The Online Mattress Industry

by

investing-in-growing-online-mattress-industry

The mattress industry is booming, but maybe not where you’d expect. Most people have had the uncomfortable experience of walking into a mattress store. Your generally met by a salesperson who leads you from one mattress that “you must” lay down on while spouting off a litany of mattress benefits. But over the past couple years mattress sales have begun taking a new approach by pulling from other industries such as Warby Parker in eye wear who help alleviate the stress of in-store shopping, or at least providing the option to shop online or in a minimized brick-and-mortar store.

Online mattress retailers such as Casper Sleep, who since late March has hired underwriters for an IPO joins Purple Innovation as the latest online retailer of mattresses to go public. This trend in popularity further bolstered by an increase in sleep studies and the understanding of sleep shows why the online mattress market and third-party review sites are thriving and something you should be jumping in on. After all, Casper Sleep Inc. has pulled in some big-name investors such as Leonardo DiCaprio and rapper, 50-Cent.

It is recommended that adults get seven to ten hours of sleep each night for the body to regulate and maintain normal system functions as well as process memory, thought, and creativity. As research into the benefits of sleep become more focused on sleep patterns and cycles business leaders have begun to study the economic downside to sleep deprivation. In fact, a study by the RAND Corporation shows that sleep may cost upwards of $411 billion per year due to lack of productivity, focus, and cognitive recognition.

As more statistical information is reported on how sleep impacts physical and mental health along with economic behavior online mattress retailers will begin to flourish in an already upward-moving trend.

Here are three reasons why you should invest in the online Mattress industry.

1. Technology

Online mattress retailers have started to develop new technology and focusing on niche mattress markets. This enables an online retailer to focus on their own technology while grabbing a large share of their loyal market. For example, Purple Innovation developed a no-pressure mattress that eliminate pressure points on your body. The company, Eight, offers a smart-home integration mattress that collects data on your sleep behavior and Bear uses infrared yarn technology to help people with active lifestyle recover more quickly from body strain.

2. Convenience

Despite being one of the last retail industries to focus on manufacture-to-home retail, companies such as Casper provide mattress-in-a-box shipping which delivers your mattress to your door. In fact, Casper’s mattress-in-a-box sold over a million dollars in its first month and has now led the way for Millennial-inspired online shopping. They just need to make sure that their delivery trucks or vans don’t break down when delivering your product. But if they do, they can always contact Car recovery London to get their vehicle back on track and out delivering mattresses again in no time.

3. The Online Mattress Industry Is Big And Growing

The mattress industry is a $15-billion market. You can expect that number to increase as new technology, logistical and overhead costs are reduced, and consumers realize the benefits of having a mattress that fits their sleeping habits increases. With growth in investing it’s important to invest in what you believe in, and everyone sleeps on a mattress.

Invest In The Online Mattress Industry Today

The online mattress industry is still in its infancy, and as a market that will always have a place in our homes, the new trend of shipping efficiency, technology, and comfort will lead online mattress sales to new highs. This isn’t the time to sleep on the market, it is a time to jump in. Invest in the online mattress industry today to reap the rewards and ROI!

We hope you enjoyed this article on why investors should consider investing in the booming online mattress industry for strong growth and ROI.

Interested in reading more authentic articles about investment opportunities?

Read our blog posts:

– Top Side Hustles To Earn Extra Income

– Legal Issues To Understand Before Investing In A Business

– Why You Should Invest In Design Businesses

– How Cash Loans Work And Where To Get A Loan

– The End Of Cryptocurrency

– How To Invest In Your Health And Wellness

How Do Cash Loans Work And Are They Smart Investments?

by

best side hustle to earn extra cash and investment capital

Life happens and unfortunately, it can be pretty darn expensive when it does.

Three-quarters of American families live paycheck to paycheck which makes emergency and unexpected expenses nearly impossible to cover.

Major expenses don’t always wait for payday to happen and that can leave you in quite a bind if you don’t have cash on hand to deal with the situation.

You see commercials all over the tv, internet and other forms of media for cash loans but you may still have a lot of questions.

How do cash loans work? 

Do you need financial documentation? 

Where and how do you get one?

We’ll answer these questions and everything else you ever wondered about how cash loans work.

Let’s get started!

How Do Cash Loans Work?

Cash loans are often called payday loans because they are basically there to get you through until you can pay the amount back with interest over the agreed period of time. 

Cash loans can be set up for a shorter pay schedule of a few months up to an 18-month term and can be in the amount of $100 to $5000. The contract will depend on what you need and the terms you and the lender agree to.

You can borrow a percentage of your expected income with an agreement to pay it back out of that income when received. They are short term loans that are easier to obtain than a longer-term loan with lower interest rates.

One benefit of cash loans is that it only takes a few income verification steps and you can usually have the money within 24 hours.

What Paperwork Is Required?

Most cash loans require a little paperwork to show you are who you say you are and you will have the money to pay the loan back when you say you can.

This will require your latest pay stubs or other income verification, government-issued identification and something to confirm your address, employment, and banking information.

This can often be done online or through a local office. Many times you can apply, send forms and copies of ID along with other information through an online platform or communication system. 

A representative may then contact you to verify all the information given and to help you through the rest of the application process.

You can read more about the cash loan application process and determine if it’s the right option for you.

We All Make Mistakes

Not all cash loans require a credit check. In fact, most cash loan lenders realize that borrowers looking for a payday loan may be drawn to this option because of bad credit. They know that life happens and sometimes it isn’t kind to our credit score.

Many people have suffered a severe hit to their credit through circumstances out of their control. It may be due to past relationships ending, medical issues, loss of past employment or any number of reasons.

That doesn’t mean you are a bad person, it just means you had some struggles and cash loan lenders are willing to give you another chance. This is a benefit to you now as you try to scrape together the cash you need and in the long run.

One of the biggest advantages of this type of loan is that you are still eligible when you have bad credit.

Benefits of No Credit Check or Bad Credit Loans

There are loan options that do not require a credit check and this has many advantages for the borrower. A credit check can have an impact on an already fragile credit score. 

They are often used as an option to avoid further damage to one’s credit by falling farther behind on bills causing more negative records. You can get a handle on your immediate bills and make positive steps towards improving your credit rating.

Unverifiable Income

Self-employed individuals, those running online businesses and contract workers may not have the necessary paperwork and verifiable income to walk into a bank and secure financing.

This can cause major cash flow issues when attempting to expand your business or make smart investments.

Brighter Future

Cash loans can help you now to get through whatever financial emergency you have but they can also give you a brighter future.

As you pay off the loan each month you are able to build a better credit score which will help you in the future. As your credit rating improves you’ll be able to secure financing at better rates for major life experiences such as when you want to get a mortgage or want to buy a car.

If you don’t have a credit history a cash loan can be one option for building a credit rating and showing lenders you are responsible in repayment. This will make it easier for someone with little credit to eventually secure financing for major purchases or expenses when needed.

They are also an option for when financial opportunities and investments come up that are too good to miss and you don’t have immediate cash flow. You can turn a loan into a profit with the right investment.

Planning for the Future

Now that you know a brighter future is possible it will be easier to plan for it without getting overwhelmed or stressed out. Using cash loans to ease some of the financial stress now can give you more options for financial security in the future.

It is hard to save if you are working from a deep financial hole. Cash loans can get you on even ground so you can take your life in any direction you want in the years to come.

If you are smart, you will take measures to prevent yourself from getting into a financial hole in the first place. Saving your money and getting frugal car insurance are two great options to prevent yourself from getting into scenarios where loans are essential.

Cash loans essentially buy you time to straighten out your budget and get back on your feet without creditors breathing down your neck.

There Are Always Options

Now that you have the answer to questions like “How do cash loans work?” you can make informed choices and know that there are always options to turn your finances around.

It is possible if you do your research, make educated choices and always have a backup plan.

For more tips on making wise investments, how to choose the right stocks and other financial wisdom connect with us today.

For more financial and investing advice, also visit Mike Schiemer, Bootstrapping Businesses, Frugal Fitness, Blog Outreach, and Everything Entrepreneurial

Also visit these resources for high ROI:

How To Get Same Day Working Capital Funding

How To Become An Independent Loan Broker

Legal And Financial Issues When Running Online Businesses

by

best side hustle to earn extra cash and investment capital

As running an online business is a comparatively new phenomenon and there are various businesses that don’t really understand the law. An e-commerce business refers to the vast variety of online activities regarding product and services. It involves business transactions amongst parties electronically, unlike traditional physical methods of business.

If you are intending to build an online shopping store, the best way to do is to research your business niche and idea along with the restrictions and laws that affect your e-commerce store. When you know about these laws beforehand you get the time to work through them and make your business aligned with the online business law:

1. Taxes

Every country has laws regarding taxes, whether you are running a business or doing a full-time job- you have to pay taxes. For your e-commerce business, you must understand your target audience. This is because you need to sell your products according to the tax laws of that country. For instance, in the US, you have to keep prices exclusive of tax whereas if your audience is in Australia, you need to sell products with tax inclusive prices.

So to cover all the tax-related requirement you need to consult the professional of the local authority.

2. Pick Your Payment Gateway

There are various payment gateways available that you can pick for your e-commerce business. Many of those have restrictions on certain products and services that you may intend to sell. While searching for the right payment gateway, you must ask if it has any limitations regarding the products you want to sell. It is also important to check if your payment gateways are hosted or non-hosted and include any required transaction fees, anti-fraud features, termination fees or monthly setup fees. Big e-commerce stores employ multiple gateways which is a smart approach to give your customers a flexible option.

3. Trademarks And Copyrights

Many online businesses owners confused the widely used terms: trademarks, patents, and copyrights, and often use it interchangeably.

According to the US Patents and Trademark Office:

• Trademark is a phrase, symbol, word or design that identifies and differentiates the source of goods of a person or party from others.

• The patent refers to the limited duration of the property of an invention granted by the US Patent and Trademark Office.

• Copyright is related to work of authorship such as music, writings, and art which is expressed tangibly.

Before starting your business, you may need to apply for any of these. Although, it is not strictly important definitely you should check to ensure that you aren’t infringing on others’ business with yours.

4. Restrictions On Shipping

Most often, the shipping companies clearly notify the restricted items. However, every shipper differentiates in these restrictions and ship different products than others. So you need to conduct research, to check whether your shipping company ships the relevant products or not.

The most common restricted items are:

• Ammunition
• Alcoholic beverages
• Aerosols
• Air Bags
• Hazardous material
• Fresh fruits and vegetables
• Poison

Although certain companies allow shipping the restricted products it needs extra fees and paperwork. Moreover, you should also be aware of taxes, duties and customs laws.

5. Business Insurance

With regards to small businesses, there are many types of insurances that include product liability, general liability, professional liability, commercial liability, or home-based insurance.

For this purpose, you must consult the local insurance provider and find out the type of insurance suits you best. The most important insurance type that you must check is product liability. This type of insurance refers to the manufacturers, retailers, distributors or wholesalers who are liable for the safety of the product.

6. Permit and License

Given the type of product you are intending to sell, you may need a permit or license for selling. This depends upon your country laws. Your local licensing department will be of great help in giving you detailed information about the procedure and requirements for obtaining a license.

7. PCI Compliance Business

As online businesses are at risk of data theft, making your business PCI compliance is essential. This is the reason why online business owners take this aspect of their business so seriously.

PCI compliant is not only about providing a safe check out procedure but also avoiding storing any purchasing information on recording or on paper.

8. Inventory

If your business needs to hold substantial inventory, you must check zoning codes to and see if there are any restrictions on the items that you are intending to sell. Collecting information beforehand saves you a lot of legal challenges that may lie ahead in case you don’t pay attention to this aspect.

9. Consider Age Restrictions

In case your products target young children under the age of 13, make sure your business is Children’s Online Privacy Protection Act (COPPA) compliant. Your website should have an age verification code to ensure that the selling is legal and fulfills all legal requirements.

Conclusion

Starting and running a business is challenging enough without having to deal with legal problems. Make sure that your company is on the right side of the law, it will be a wise investment of your time and money!

We hope you enjoyed this article on the legal issues you need to understand before starting a business, planning finances, or investing in a new company.

Interested in reading more authentic articles about business and finance?

Read our blog posts:

– Best Home Business Building

– Top New Network Marketing Businesses

– How Business Lawyers Can Help Your Company

– The Top Torrent Sites

– Top Telco Trends

Strategic Moves on Stock Market Investment

by

Stock market investment is a risky stance, but it should not stop any aspiring investor from taking the first step. The choice to make the stock market endeavor succeed lies upon the investor’s knowledge, experience, and sound strategy.

1. Knowledge

A wise investor would only delve into stock market investment upon being apprised with the necessary and crucial information. It is a must to invest on companies only upon learning everything about it, from its past records, current performance and future plans.

Stock market investment advice should be sought considering the difficulty of locating that right stock that will give big returns. The investor must fully know the fundamental value of the stock he or she will buy.

Invest in a company which belongs to a familiar industry. The stock market investor must have a good understanding of the business in order to realize more the value of the stocks. This will also make the investor less dependent to analysts and advisers.

The sources of information to rely upon must be carefully chosen too. Tips offered in the market should be avoided as much as possible. These are usually given by people with vested interests.

2. Long-term goal

An important consideration in stock market investment is setting a long-term goal. The long-term goal would determine the approaches to be taken and influence the decisions to be made.

The adherence to that goal would ensure regularity in instances of indecision when the stock market gyration comes to play. It would avoid whimsical decisions adversely disturbing the finances. A long-term goal could result to a more stable financial future through steady purchases investments. The key word here is consistency.

3. Calculated Risks

There are risks in any business endeavors. However, this must be calculated to minimize the probability of loss and to increase the expectation of profits. Speculating is not an option.

Never gamble and risk losing big money in the stock market. Investments should not rake in huge losses. It is easy to buy stocks, but money lost would be difficult to gain back. One cannot afford costly mistakes.

The established system in realizing the long-term goal must be strictly followed then. This will reduce the probability of putting too much money just to incur big losses.

5. Discipline

To make the most of the stock market investment, the investor himself must possess the proper determination and discipline to continually persevere in realizing the long-term goals set.

Stock market investment today requires passion and courage to come out as a winner. The stock market gives the opportunities; all that is required of the investor is being prudent.

Are There Benefits Of Online Stock Trading?

by

The first stock exchange in late 1700’s Philadelphia in United States Of America created a new way in the market of finance and economy which further led to the discovery of New York Stock Exchange (NYSE). Now with the discovery of latest technology, a turning point has come in the method of stock trade through a network of computers.

This new method has given rise to a new level of convenient and liberty to trade stock at your own comfort. Trading stock online has been becoming popular tremendously as a large percentage of population is having an access to the computers.

How To Trade Stock Online

The method of trading stock online starts by building a business relation with an online trading brokerage firm but it is always recommended that you should build up a bond with a highly reputable and renowned company. You should always gain the knowledge about the company by making researches via internet before getting into a business relation with it.

After finding an apt and appropriate brokerage firm, an online account is created in order to trade through it. This online account plays a significant role in trading stock online as it keeps on giving the updates regarding the financial portfolio so that the investor can proceed accordingly to hit the financial targets.

Benefits Of Online Stock Trading

The online trading of stock has brought a twist in the methods of trading in the market of finance and economy. There are numerous advantages of trading stock online.

1 – It has given a level of convenience to the investors as they can easily buy and sell the financial products from the comfort of their home.

2 – There are many stock trading companies that offer low charges of membership, trading, and commission because of the great competition in the finance market. There are so many companies which do not take any cent to start trading through them.

3 – It proffers the level of freedom to the investors where they can make investments in the finance market according to their interest.

4 – The online stock trading companies help in providing the information like NASDAQ quotes, real-time charts, latest news and information of the market without charging a single penny.

There is also a facility of downloading your investment’s performance on regular basis to have a proper track of your investment. Also there is a facility offered by many online companies to listen to the audio and video conferences of the topmost professionals of the finance market, and to go through the latest market editorials.

5 – There are many alluring proposals, which are proffered by different online stock trading companies. For example, many companies provide minimum $25 free for just signing in, if you create an account with them and deposit certain amount then you will be given a commission free trade worth $100, and if you are maintaining specific amount in your account then there is no need to pay for IRA money market fund trades.

There is also an offer of getting 20 free days for trading online every month if you are a resident of US and are into online stock trading since last two years.

The above-mentioned points have proved to be very much beneficial to the investors to grab large amount of profits in the thrilling market of finance.

Best Penny Stocks: A Stock Trading Robot?

by

Pennystock Pals: Interested in the First Commercially Available Stock Trading Robot?

Are you looking for the best pennystocks? Who isn’t right? What I am about to share with you, is a very unusual story. I have been involved in many forms of investments including trading stocks for a long period of time. I thought I had heard of everything until what I am about to talk about. This is something my graduate studies did not talk about nor did any of the other traders I spent time around. I am always looking for the best pennystocks. As any good trader does, I am always looking for an edge. Looking for the best pennystocks, I am sure you can relate. Well, let me get on with the story and let you decide for yourself.

The story starts with two “computer nerds”, named Michael and Carl. They developed the first commercially available stock picking “robot”. Michael (the computer programmer) named the robot “Marl”. Marl came about after Michael developed the famous “Global Alpha” computer stock trading model, while contracted to Goldman Sachs. A piece of software which most years is responsible for… $4,000,000,000 + Annual Trading Profit. After the software project finished, Michael searched for a different means to earn money. Unfortunately he had completed a Non Compete and NDA agreement with Goldman Sachs, which disallowed him to originate software which trades derivatives and similar financial instruments (like Global Alpha).

After three weeks of being briefly unemployed, Michael who was financially comfortable … chose to start a new project. Michael developed software to trade in the very volatile penny stock market where stocks can increase 400% in a matter of hours. Michael worked with fund manager Carl Williamson to create the bot. “Marl” works by analysing each stock using “technical analysis”. In other words, analyzing a stock’s previous price movements to predict the stocks future direction. The different changes in price (when made into a chart) form what stock traders call “chart patterns” and it is precisely these price patterns Marl is searching for. When initially activated, Marl will utilize its own database to conduct a scan of stocks trading on the OTC and Pink sheet exchanges. At that time, Marl is searching for companies whom are forming bullish trading patterns (stocks about to increase). Carl assisted Michael program the bot to search for (in split-second timing) unique trading patterns from a wide range of 6578, stored in Marl’s internal database. If Marl recognizes a clean, uncongested chart pattern, that has shown to yield a good risk/reward – Then the stock will become part of Marl’s “Watch List”. The group of these “watched stocks” will be forming bullish patterns (indicating the stock is about to rise).

This watch list has a couple of distinct advantages. First and most noticeable is that Marl can very easily scan hundreds of the best pennystocks at the same time. Secondly, Marl is programmed on an “evolutionary framework”. In other words, while Marl is observing hundreds of stock patterns it actually discerns the most likely direction of stock prices under hundreds of situations. Bottom Line: The longer Marl is allowed to run on a computer… The More Advanced he Becomes! The average professional stock trader can analyze a stock chart about every eight seconds… when searching for an opportunity. On the other hand Marl can analyze 7 charts every second.

Why Does This Matter?

It means that Marl can be extremely selective, going until all the correct criteria line up until a trade recommendation is made. Often Marl will disregard profitable trades… In favor of a potentially more profitable trade occurring at the same time. After creating Marl to version 1.0… The two input a trading capital of $1000 and set it running. Marl spent 13 hours analyzing over 6,000 small capitalization firms. After those 13 hours Marl made his first ever stock recommendation… LPTC.OB Trading at $0.74 Per Share. Within three hours the stock brought a 42% increase!

From there stories go on and on. You can read about all of this in more detail at the website given at the bottom of the page but before we bring this to an end let me describe some bottom line facts:

Since its introduction in early 2007, Marl has been responsible for creating 86 millionaires and 13 multi-millionaires.

Since the newsletter was started 4 months ago… Each best pennystocks pick has made an… average 105.28% Increase, usually within 3 hours of the market opening!

The following are results from the past four months (+386%, +102%, +59%, +68%, +150%, +27%, +58%, +251%, +60%, +19%, +70%, +164%, +171%, +44%, +96%, +408%, +118, +55%!

Marl has already been featured in Business Week and the Wall Street Journal.

The thing about this program that impressed me more than anything else, is that unlike any other program (none can HONESTLY boast these consistent numbers) they can back up and stand behind their word. For their best pennystocks they offer an 8 week FREE trial. Money back with no questions even asked. I like that! Above and beyond, after your 8 week free trial begins you receive “The Penny Stock Bible”. This is a 68 page guide which will allow anyone (even someone whom has never traded before) to use Marl’s picks. And even if you decide to request a refund, Michael will let you keep the “Penny Stock Bible” (worth ($29.95). That way, whatever the outcome of this… you will profit.

As a personal touch (again something you never see with most programs) he leaves you his own personal phone number and office street address. As an owner of two previous stock companies, I can honestly say that I have never recommended another company but I make an exception here: This is the best I have come across, hands down. If you want the best pennystocks check this site out, there truly is nothing to lose.

Oh, by the way, if you had put $5000 on each of Marl’s recommended best penny stocks strades over the last 4 months– You would now have $387,684 clear profit sitting in your bank account. Pick up the right penny stocks and your profits will soar!