Finance

Crypto is both a peer-to-peer payment system and a cryptographic currency. Therefore, these virtual currencies are virtual currencies in the sense that an absence of physical support characterizes them: neither coins nor banknotes and payments by check or bank card are not possible either.These are alternative currencies and are not legal tender in almost any country in the world. Their value is not pegged to the price of gold or to that of conventional currencies, nor are they regulated by a central financial body or financial institutions. There are no central banks at their head. And yet, security and transparency are their main assets! Indeed, cryptography secures transactions that are all verified and recorded in a public domain, ensuring both confidentiality and authenticity than...

Criminals are taking advantage of the exceptional situation caused by Covid-19 in many countries to scam consumers on the Internet. Malicious websites sell fake medicines, medical accessories or food supplements, for example. The police urge everyone to be careful. The recent story about Omar Sharfran is particularly interesting.In 2020, unlike other crimes and misdemeanours which have declined, scams have increased. They are taking advantage of the anxiety of people in the face of the epidemic. Moreover, crooks are increasingly operating on the Internet without however abandoning the telephone or door-to-door.Every happy or unfortunate event that occurs in society provides the pretext and opportunity for crooks to invent new scams, taking advantage of the fear of people, the vulne...

“Is getting personal accident insurance in Singapore worth it?” This question has probably crossed your mind many times already. To answer that, it depends on your situation. If you work in a field that’s prone to unforeseen misfortunes, then we recommend buying an insurance plan.Your safety isn’t always guaranteed. Bad luck may hit you just before you know it, so it’s better to be prepared.A personal accident (PA) insurance policy has your back when you’re unable to work due to an injury. It will cover your loss of income, not to mention that it provides your loved ones with financial assistance when you die due to an accident or from injuries sustained in an accident.Here are five of the best PA insurance plans in Singapore:1. MSIG – ProtectionPlusA subsidiary of MSI ...

Irrespective of whether you just started your career, or you’re done with it, there are still chances of enhancing your nest egg. With retirement planning, the sooner you start saving, the better off could be your retirement life, thanks to the compound interest rules. And even though you started saving late or you’ve not started saving, you’re not alone.However, your journey of saving money doesn’t stop with your retirement. With pension payments becoming uncertain, superannuation is gradually becoming a key source of income. The SMSF offers a high degree of autonomy on how you wish to invest your money and build your retirement account.As per reports from Northwestern Mutual, 25% of Americans don’t have any retirement savings, no retirement fund, or no pension. Here are few thing...

It is not just the customers who shop during the sale that are looking for discounts. People looking to invest in the share market with capital are also looking to invest in stocks with low prices. Thanks to the discount brokers that are firms providing shares to investors in a considerably low commission on transactions but with no additional service like investment advice for them.Compared to a decade ago, more and more individual investors are flocking towards discount brokers. But is it all right to open a Demat account online with discount brokers?Let’s take a look at the Pros and Cons of using discount brokers.Pros Of Using Discount BrokersLow Commissions: The primary benefit of using discount brokers is that they charge low commissions on transactions of your shares....

Navigating your way through the house-buying process can feel challenging and, at times, daunting. It can often be difficult to know where to start. There are a number of factors that you should take into consideration before you invest in a property. Here are five of those factors that you should be considering.Size Of the Property Purchasing a home is a huge financial commitment. You will need to ensure that you are choosing a decent sized property that can meet the needs of your requirements. It can be important to consider who will be living there in the future. You may be in a position to settle for a one-bedroom property now, but you may decide that you want to expand your family in the future and have children. This can shift your priorities with your house and allow you to co...

Have you heard of the predator stump grinders that are commonly used for different purposes today? Predator Stump Grinder is a compact machine that is used for multiple purposes like removing trees. These big machines make the operator’s life easier by offering a quick solution and making the business gain more profit. There are different suppliers of predator stump grinders that offer the products through financing to companies who need them. Tree stump grinding is often done using this predator stump grinder. If you planning to use a predator stump grinder for tree stumping, here are a few benefits to know of.1. Regaining space and improving aesthetics Tree stumps can make a tidy garden look raw and neglected but removing these stumps can make your property look better. Removing a t...

With the growing population of the country, commuting has become quite stressful and time-consuming. However, one of the efficient ways to sneak through congested traffic and handle short commutes daily is with the help of a two-wheeler. Two-wheelers occupy minimum parking space, do not consume a lot of fuel, and help you get to your destination smoothly. If you're driving your vehicle on Indian roads, you must follow the traffic rules on the road to ensure your vehicle's safety and protect other riders on the roads. One of the easiest methods to ensure the protection of your vehicle is to buy two-wheeler insurance.What is bike insurance? A bike insurance policy is an insurance plan that provides you with financial coverage if something unfortunate happens to your vehicle (accidental...

Retirement planning is the best way to organize your income for a happy and peaceful post-retirement life. However, you have to choose the correct financial instruments and the right timing to start saving based on the number of active working years for you. Financial planning for retirement should consider how you allocate the income during the employment phase towards a money-saving plan that will contribute and suffice for post-retirement needs. It should also be based on your monthly expenses, short-term and long-term financial goals with an eye on the inflation rate. Here are five financial instruments that you should include to make a complete retirement plan.National Pension Scheme (NPS):National Pension Scheme is a Central government scheme and considered one of the best sa...

One of the best ways to protect your family's health is by picking a good insurance policy. However, it may often become a challenging task to find the best health insurance policy for yourself. If you are also struggling to find one that best suits your needs, so here are few tips for how to pick the best health insurance policy:1) Consider the medical services you need to cover A lot of health insurance policies include coverage for routine screening and preventive care, but some may not. If your family needs certain types of screenings or treatments covered by your policy, make sure that it is included in the list of what they offer before purchasing it. For instance, you can pick a Mediclaim plan for reimbursement of your medical expenses.2) Check the deductible The ...