Investment Alternative – P2P Lending

In these days of turbulent stock markets and low yield bonds, investors are seeking relatively safe investments with a good rate of return. Large swings in the stock market make investors appreciate the safety of bond investments and the likelihood that they will not lose money. Conversely, the low yields on bonds and debt investments for the past ten years has made them concerned about growing their portfolio’s value. These objectives and concerns have led many investors to look for alternatives that offer a good return with limited risk.

While there are many alternative investments, most are not available to the average investor. These include private equity, managed futures, real estate, hedge funds and derivatives contracts. While there are some alternatives to traditional stock and bond investments, like gold and commodities, these can be very risky in that the prices fluctuate significantly and you can lose most or even all of your investment. There is, however, one alternative investment that is available to most investors: P2P Lending Investing. This investment can be made for as little as 2,500 and the investor has complete control over their portfolio as well as how and when their money is invested.


P2P lending investing is a relatively new way for borrowers to get personal loans. Instead of going to a bank or traditional lender, borrowers can go to an online platform like Lending Club and apply for a loan of up to $40,000. The funding for these loans comes from individual investors who have set up an account and deposited funds with the online platform. The platform handles all aspects of the loan application, underwriting and approval process. They also take care of all administrative tasks such as process payments, answering borrower questions, and collecting late payments if that is necessary.


In terms of risk and reward, P2P lending looks like a good investment in many ways for certain investors. The biggest risk is that borrowers will default and not pay back their loans. Therefore, it is important for investors to spread their money around to as many loans as possible. The minimum investment in a loan is $25, so investors typically fund at least 100 loans. This provides the diversification that is essential to minimizing risk.


The other important aspect of any investment is the rate of return. Of course, investors want to know how much can you make peer to peer lending. P2P lending investing has a good track record in this area. Investors can expect to earn, on average, 5% to 7%. While rates of return vary for a lot of reasons, most investors earn a reasonable return. Some do extremely well with returns over 10%. Others make very little and a small number lose a little. However, losses are small and not nearly as damaging to a portfolio as a downturn in the stock market.


If you are looking for an alternative investment then P2P lending may be right for you. While it is not prudent to invest all of your money this way, it can be a strong part of your larger portfolio of assets and investments. Carefully weigh your options and decide if this is right for you.

How to Avoid Aggressive Driving

It is common knowledge that many car accidents could have been avoided if at least one of the parties involved weren’t an aggressive driver. Every car accident attorney will tell you that this is true. Here are some steps to help you become a less aggressive driver and reduce the chances of road crashes:

1. Remain calm and relaxed when driving. Even if you have had an unpleasant situation at work or at home prior to driving, don’t let it affect your performance on the road. remain in control at all times. If other drivers cause you to become angry due to their aggressive behavior think briefly about what makes you happy and keep having those happy thoughts for the rest of the journey.

2. Steer clear of aggressive drivers. If somebody has wronged you and there is no time or way to report them, get away from the situation. The longer you stay, the angrier you might become and the worse the situation might become.

3. If you do have time and opportunity, don’t hesitate to report other misbehaving drivers to the police. If necessary, write down their registration plate numbers and take pictures with your smartphone. Do it discreetly preferably without alerting the other party and causing their aggression.

4. Always act like you have good manners. Sometimes saying sorry might help ease the situation even if you are not the one to blame for anything. Don’t reciprocate any aggressive gestures at the other party but smile and be polite to others no matter how they treat you.

Your behavior on the road matters a lot. It can also help you to avoid all the unnecessary accidents. Remember about it every time you hit the road. Always give other drivers the benefit of the doubt. Don’t judge others, don’t become angry, but rather look for ways to escape your current situation. This is one way to ensure that you are a better driver who has fewer accidents on their record. If an accident happened to you despite being a good, polite and non-aggressive driver, remember that this is not the end of the world.

How to Get Started with Bitcoins

I am sure that at one point or another you have heard about bitcoins especially if you had a chance to come across a site to buy or sell bitcoin such as this Bitcoin exchange site. These days, bitcoins are getting more and more popular as more and more people use them and for many different reasons. In some way, buying and selling them online might be easier than opening a bank account in a traditional bank, which sometimes can cause a lot of problems as high-street banks tend to be more and more demanding when it comes to who they pick to be their customers. There are many requirements you need to fulfill, and to be honest it might be sometimes easier to start trading in bitcoins so there is nothing to be afraid about. So if you want to here is how you can get started.

You will find some websites on the Internet that will offer you some bitcoins for free for you to get used to the idea of trading bitcoins. This can be very convenient to you if you have absolutely no experience in the matter. This way you can check for yourself how you like them and see whether you want to sell or buy bitcoins whether it is for your business or for your personal reasons.

You will need something such as a bitcoin wallet to be able to store your bitcoins on your PC. Eventually you might even have more than one wallet and you might decide to buy or sell a couple of them, but in the beginning just one is all you need to get started. Make sure that you read on the topic so that you know what you are doing. There are a lot of misconceptions surrounding bitcoin, so it is always best to know for yourself what you really think about the system. Nobody will do it for you, so consider getting started today and read as much on the topic as possible. Checking out a bitcoin exchange site, like the one I mentioned, can help you get familiar with bitcoin as well as you will see how buying and selling works in practice.

Important facts to consider as a Forex trader

If you know something about a particular thing beforehand, it becomes easy to handle any work. Especially when it is your profession, preparation comes in handy for most of the cases. And, when you are starting a new job, initial preparation is a must. You can get ideas about your workplace and educate yourself about the working process. Or you can learn about the precautions. In case of your own performance, you can learn about the observation about the seniors in your job sector. That will make it easy for you to blend in and make an effective mindset for your job. In this article, we are going to talk about some of the true facts about the trading business. Hope these will help you to understand this business properly and prepare yourself.

Trading is a boring job

Believe it or not, this job is really boring. Like many others, you have to follow an almost certain routine every time you come to trade. You have to come to your setup and look at the price charts of your preferred markets. Then you have to wait for a suitable time for your trade. After placing one, you have to keep track of the market change in price. Because it is necessary to control your trade’s profit or loss. This technique is not appropriate though. Instead, you can use stop loss and take profit. That will help you to control your trades without monitoring the market after a trade is a life. So, yeah, you probably have to do the same thing every time you come for a trade. But, if you can be patient and keep on trading with subtle improvement, there is a great future waiting for you.

The popularity of Forex trading profession

Everyone wants to become rich. The popularity of Forex trading Singapore is extremely high since the retail traders can easily start trading with a very low investment. You don’t have to deposit millions of dollars to trade the currency market. Just by taking the advantage of leverage you will have enough purchasing power in the investment industry which can eventually change your life. But some bad people are using this popularity to make quick cash from the honest traders. They are setting up low-end brokers where the traders are facing an extreme level of trouble. If you intend to become a full-time trader, you must select a well-regulated broker with a flagship trading platform capable of executing trades at an extreme level of market volatility. So chose your broker very wisely.

You don’t have to be smart

Trading business does not require you to be a nerd. And by nerd, we mean a smart guy who knows things like science or math. If you want to be a good trader, all you have to do is learn it properly. There are a lot of tactics in this business and a lot of strategies for your help. If you can learn most of them and implement them carefully, your trading will be more successful than most others at your same level. But, you always have to remember that, the main power of a successful trader is his or her trading strategy.

You don’t need huge investment

Trading is a business and you do have to invest in it like a business. But, it does not require any huge amount like the most production-based business. If you have a good strategy and plan for your money management, you can be a very good trader. And your starting will not be so much disappointing like others. All you have to know is how to preserve your risks and total investment. As the initial step of a trading career is the learning step, it costs most traders a lot of money. In this case, you can use the benefit of demo trading for your whole initial step.

How to Declutter Fast

I know from personal experience that many of us might not have enough motivation to declutter our houses. We all live hectic lives: we work 5 days per week, we take care of our families, and to be honest there is often little time for all the other things that might need to be done in our homes such as tidying it up. When cleaning and organizing your house seems like such a chore, try one of the following strategies, or even all of them, to see what you can accomplish as a homeowner in such a short time:

1. Picture a tidier house. Visualising how your house could potentially look like is already a step in the right direction that you motivate you into doing things if you have been struggling with lack of motivation. If you are happy with that picture, you should now try to find enough strength to make that happen in your life, and you should do it as soon as possible before your house becomes so cluttered that you lose your motivation and need to start over again.

2. Tidy up as you go. The truth is that many of us cause mess only to realize that there is a lot to clean later. the best strategy I can think of is to clean as soon as you make that mess in order to avoid getting too overwhelmed with everything that you have done.

3. If you are looking for a temporary solution, a place where you can for a certain amount of time store your belongings, consider hiring a storage unit similar to storage units Baton Rouge. Doing so will definitely buy you some time. You will be able to store there anything you want and then make the decision what you should keep later. One advantage of storage units is that it doesn’t really matter to anybody how it looks like, whether you keep it messy or not. You pay for it, so it is your business whether or not you keep those things in order and how you go about treating them. Just remember that keeping things organized will probably make you feel happier.

Tips for successful trading in the digital age

There is no doubt that being a trader is becoming a very popular career choice for many. While investing in the financial markets has always been a big sector globally, it has really taken off in recent years. The chance it offers for healthy profits from a relatively small capital outlay and all while working from home makes it easy to see why. However, the real reason behind the boom in trading now lies in the digital transformation that the industry has seen.

Life became digital and then so did trading

When you think back to life pre-internet, it almost seems a completely different age. Society now has become so integrated with online connections around the world that being without social media, email or smartphones is unthinkable. This digital change has also been reflected in the world of trading on the stock markets.

In pre-internet days, trading was a physical process that involved traders going onto the stock exchange floor when open to place orders or sell off shares. If you were an investor, then you would go through a broker or investment firm to do this for you. When the internet was first available for the public to use in the early 1990s, this started a gradual process of change that we now see.

Modern-day trading still uses the physical stock exchanges but has become a much more digital process. Embarking on a career as an actual trader now is open to anyone with a PC and an internet connection. Online brokers give you direct access to the markets to place orders, manage your portfolio and sell shares.

How to trade successfully in the digital era

To be a successful trader in the modern digital era, the below are some essential factors to think about:

  • Use the internet for research – one big advantage of the digital approach to modern trading is the access that the internet gives you to the latest market news. This is much faster than in the past but also allows you to get much more current information from many different sources. Take full advantage of this to get the freshest news daily on which to base your trading decisions. The internet is also a great place for the best hints and tips on any opportunities that may be coming up.
  • Get a fast broadband connection – to trade successfully in the digital age, you need to make sure that you have a fast enough internet connection and a PC with enough power. This will mean that you don’t have any delays in placing orders or exiting trades, which would otherwise cost you money. Being able to have the technology in place to trade effectively digitally is essential for most traders now.
  • Visit forums – as well as news, the internet is a great place to continue your trading education. Take the time to find some quality online trading forums or social media groups to join. Even if you don’t post much, you will learn many things from simply reading the information others put on there. This will help you be more successful when you are placing future trades.
  • Evaluate your past trades – a big thing that can have a real impact on your trading success is looking at past trades. This is even easier now that trading is more digital. You can use a spreadsheet such as Excel to keep your own records in an easier way than writing them down on paper. Most online brokers now will also give you access to reports on your past trades to see where you can improve or tweak your trading plan.
  • Be careful when choosing your broker – if you will be making full use of the digital way that trading happens now, then you need to think about which broker to use. There are lots around now, so have a good look online for recommendations and also at the broker themselves. Check the fine details such as regulations, withdrawal limits, spreads and the markets they offer to make sure that yours is both reputable and suitable.

Let digital trading make your life easier

There is no doubt that the digital transformation that trading has seen recently has made it more accessible to people than ever before. To really make it work for you in the best way possible though, you still need to pay attention to the basics of trading and how to use online methods to your benefit. Hopefully, the above will give you a few ideas on just what it takes to be a successful trader in the modern age.






Why is online marketing the key to business success?

It is a fact that the whole global business sector has undergone a digital transformation. Nowhere has this been felt more keenly than in the marketing world. While the old, offline methods can still be used, online digital marketing has grown to be a major player. If you run a business, then you should be using online marketing methods to your advantage. It will not only help to drive business growth and success but also mark your brand out as a true 21st Century company.

What exactly is online marketing?

If you are unsure exactly what digital marketing involves it is easy to grasp. This form of marketing involves using the many online channels that the internet has provided to market your services to the public.

Below are some of the most common online marketing methods:

  • Online advertising – this form of online marketing is very popular and effective. In fact, a recent survey of US marketing experts found that 66% of the businesses involved used online advertising as a key part of their strategy. This type of marketing activity covers paid search advertising (also known as PPC), display/banner advertising on websites and social media advertising. This is a fast-growing channel as the many specialist online advertising firms that are currently operating demonstrates. San Diego based Iconic Industry show just what online advertising can bring to any company with their innovative marketing solutions. Iconic Industry utilizes cutting-edge online techniques that make this method very effective.
  • SEO – also known as Search Engine Optimization, this is the practice of designing your content and website so that it ranks as high as possible in the search results. Higher placed listings mean that many more people see your services, and consequently, your site receives more visitors.
  • Email marketing – this is an effective online marketing tool that uses targeted emails to let customers know of any product news or special offers you are running. The end goal is to capture repeat custom and generate recurring sales.
  • Social media marketing – as well as having online adverts on social media sites to capture business, it can also be used to reach customers through posts or conversations. This is widely used and gives you direct access to millions of users who could spend money with you.

How does online marketing help drive business success?

It is one thing knowing what the major online marketing methods are but why should your business be using them? The below explains just how they can make your business more successful and generate more revenue:

  • Control costs – digital marketing tools are outstanding for giving complete control over your costs. Pay per click online advertising is a great example of this. You have the scope to select which keyword to target and how much each click will cost you along with having more dynamic control on when the advert runs. In the long run, this will help you to curb overspending.
  • It’s where your customers are – it is thought that four billion people now connect to the internet globally. Using online marketing puts your brand out there where the customers are.

 Easier to track results – one great thing about digital marketing tools is that they are far easier to track in a more detailed way than traditional methods. Using analytics software, you can track each marketing campaign online to see what is working and what is not. That indicates where you should put more resources to attract new customers. Of course, it also allows you to cut campaigns in markets that are losing money to protect your business finances.

  • Reach out across the world – marketing online puts your business in front of far more potential customers so that you get the chance to sell more items and expand into lucrative new overseas markets.

Brand loyalty is also vital

Anyone who is involved in business now knows that building a strong brand that consumers identify with is essential. Online marketing is great for this as you can use tools like social media to engage directly with consumers to showcase your company. By engaging with consumers on a personal level they are more likely to remember your business and will perhaps shop with you on a regular basis.

If you are in charge of a business or the marketing of one, then making full use of online methods is crucial. It will help you reach more potential clients or customers and drive sales.


Do Rideshare Drivers Need Insurance?

Rideshare services such as Uber and Lyft represent a fairly new alternative to taxi and limo services. The fact that these services are new means that there’s a lot of confusion regarding various aspects of the service, and that includes rideshare insurance concerns.

What kinds of insurance options are available to rideshare drivers? Do they even need insurance to begin with?

The short answer to whether rideshare drivers need insurance is yes, they do. However, further clarification regarding insurance options for rideshare drivers may be required. Rules and available options are different for different states. Here are some facts that can help you understand your insurance situation if you plan to be a ride share driver:

Different Periods

There are different periods and times that may require special coverage when you become a rideshare driver. Here’s an overview of these periods:

  • Period 0. The app is off and you’re not waiting for a fare.
  • Period 1. You’re online, and you’re waiting for a fare.
  • Period 2. You’re online, and now you’re on your way to fetch your ride request.
  • Period 3. The customer is in your vehicle and you’re transporting them to their destination.

State and Rideshare Services Insurance Requirements

States have different requirements regarding rideshare insurance, so you better do your own research on why kind of insurance you need as a rideshare driver in your state. For Period 0, in general this is met by a personal auto insurance policy that meets the state minimum requirements. But the state may also have higher requirements for periods 1-3. In fact, it’s possible that a state may require you to get a commercial driver’s license (and commercial insurance) if you become a rideshare driver.

The rideshare service you’re planning to join may also have their own requirements regarding the personal car insurance you need to obtain. Uber and Lyft, for example requires that as a rideshare drive your personal car insurance must at least meet or even exceed the state minimum requirements.

Do You Need Additional Insurance?

What you need to remember is that many personal car insurance policies specifically state that they won’t provide benefits for any accidents when you’re driving for pay.

However, the more prominent rideshare services such as Uber and Lyft offer insurance protection to cover these personal policy gaps. In the event that the rideshare driver is at fault, the liability coverage will apply to the customers, other passengers and drivers in other cars involved in the accident, and pedestrians who are hit by the rideshare driver.

You may have noticed that these rules on coverage don’t say anything about your own injuries as the rideshare driver, nor do they offer coverage for the damages to your own vehicle. That’s because your own injuries and the damage to your vehicle are your responsibilities. You have to arrange for coverage for them yourself.

Possible Options

What you need, therefore, is a “rideshare-friendly” personal auto insurance that provides coverage for your own injuries and for any damage to your vehicle when you’re a rideshare driver. You will have to hunt for these policies yourself. In some states, you may find them easily.

But in other states these rideshare-friendly policies may not yet exist, which may then mean that your only alternative is to get a commercial auto insurance policy. These policies can be expensive, as they may require up to $500 a month.


If you’re planning to be a rideshare driver, you need to study the rideshare service requirements and provided coverage, and then provide coverage for your own needs. You also have to comply with state requirements regarding rideshare driver insurance. These may require a bit of time and effort, but taking the time is better than becoming a rideshare driver without insurance.

Business Line of Credit Pro Tips

One of the most powerful assets of small businesses is their line of credit financing. That’s because access to these monies allows firms to quickly capitalize on sales opportunities to purchase supplies and additional labor.

Business line of credits are vastly different than conventional SBA business loans. A business line of credit is sometimes called an LOC. And it is much more like a credit card that a conventional installment loan. Read more about Kabbage line of credit reviews

When your account is approved it is for a specific amount of credit say $100,000. Your firm will then have access to these funds to use at their discretion.

Some lenders give checkbook control and others issue cards which look like credit cards. As opposed to a conventional business loan where the borrower receives the full amount at the onset loan.

Using a line of credit allows companies to save interest fees because they only pay for the amount they borrow not the full loan principal.

Business owners are confident knowing that they have access to capital for emergencies such as equipment repairs or hiring new employees. Additionally lines of credit are effective ways to supplement working capital in slow seasons.

Selecting Your Business Line of Credit

Financing for businesses with lines of credit are often the best decision for short-term cash flow needs due to lower rates and more flexible borrowing terms.

Business line of credit, come in two forms secured and unsecured. The secured loans require assets as collateral such as your home, vehicle, inventory and business equipment. The unsecured line of credit version does not require collateral and thus is more difficult for new businesses to get approved. Because these loans are riskier for the bank unsecured credit lines typically have higher interest rates.

The single most important action you can take to qualify for business line of credit in the future is to maintain good personal and business credit histories right away.

Lenders will closely scrutinize your firm’s ability to generate positive cash flow because this revenue is what will make the LOC repayments.

It is wise to begin by applying for a lower line of credit amount and then building up positive credit history with your lender that could result in increased credit later on.

You should always apply for a line of credit long before you actually need it. The intention of these types of financing is to support businesses in unexpected times.

FAQ Business Line of Credit

How can I increase my line of credit amount?

Best ways to get approved for more money is to always make your payments on time, pay off existing debts and increase your revenue. All of these factors are strong indicators to lenders of your financial health and will often result in a larger line of credit.

What can I use my line of credit to buy?

Dependent upon your lender agreement, you can use the funds to make purchases for your business such as supplies, labor, rent, payroll and advertising.

Minimum requirements for a business line of credit approval?

Most lenders will require that you be in business for 6 months and generate $25,000 in annual revenue. Some lenders only approve business owners with credit scores of 500 or better.


Choosing Your Offshore Company

Every business owner needs top register their company at some point. This can be sometimes easier said than done as there are many legal requirements surrounding the registration process. This can be a rather daunting task especially for those business people who are new to it.

When choosing how and where to register your company you will need to ask yourself a few questions. Often, companies such as will be able to assist you with the process so that they are the ones who do the whole job for you and so that you don’t have to worry about anything else. Those questions are as follows:

1. What type of company you want to register. I understand that you might not be sure always what you want at this stage, but a quick look at your circumstances should give you an insight about what you might want to achieve. Are you going to be the only owner of the company or will it be a partnership? These are only some of the questions you might need to ask and get an answer to.

2. Is there any better place in the world to register a company? Only because you have always been based in the UK for example doesn’t have to mean that your company has to be registered here forever. The concept of offshore companies have existed for a long time and many business owners these days register their businesses in those places that benefit them most.