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Five ASX blue-chip stocks in the spotlight in 2021

Blue-chip stocks are the stocks that belong to leading companies. These stocks are generally considered by investors as a safety net in their investment portfolio despite no guarantee of higher and riskless returns.
Some of the most significant blue-chip shares on the ASX are Domino’s Pizza Enterprises and ResMed. These stocks have remained in the spotlight in 2021 as they pipped ASX 200 in terms of YTD returns in 2021. 
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Difference Between Invoice And Credit Memo
Some daily business activities and transactions include common terminologies that might get a little confusing and bounce over your head. But, the initial confusion should not stop or hamper your work. Do not Worry! none of these terminologies are tricky as solutions in chemistry labs. Having a clear understanding of such business day to day terms and their usage is important for its fundamental growth. A deeper understanding of major difference between an invoice and a credit memo has been listed down here. It will help you have a clearer vision about the terms and their practical usage in the business. What is an Invoice? An invoice is an itemized list of entries for which a company has to make payments to its suppliers, vendors or service providers. The Account Receivable Account Payable Department receives invoices from the suppliers or vendors and scrutinizes it before processing it for payment. In most of the cases, company issues Purchase Orders to its vendors, requesting the items to be supplied to them. The Accounts Payable Department matches the items listed on the Purchase Order with that of the Invoice and also verifies that the items are received by them to clear the invoice for the payment. What is a Credit Memo or Credit Note? For the items returned by a company to its vendor, the vendor needs to issue a credit memo for the returned items. A credit memo is issued when the client has paid advance payments to the vendors. This would ensure that the vendor has been informed about the discrepancy in supplying the goods and agrees to the credit memo to the customer for the items not supplied exactly that were asked through the Purchase Order. So, what is the role of this note and how it represents invoice vs credit memo? Manage Accounts Payable of a company using both the invoice and the credit note for the payment processing. It deducts the amount of the credit memo from that of the invoice and clears the payment for the vendor. When is customer credit memo is issued? There could be specific circumstances when you feel the need to issue a credit memo to your customer. Some common instances could be, as followed: 1. When you need to cancel an issued invoice fully or partially. 2. You are seeking a partial credit for the wrong items supplied. 3. The goods have already been purchased earlier and you want to request a refund for the goods returned to the vendor. How to issue a credit note? Issuing this note is not a daunting task, whether you want to issue it manually or you are using any Accounts Payable Software. You need to select the Invoice and the Credit Note to be reconciled. Then, choose the amount to reconcile as the value therein the credit note. When you apply the change, the reconciliation will be affected with a reduced invoice amount after deducting the amount in the credit note. CONCLUSION The difficulties of terms don’t make the task difficult for you as the sole owner or small business. It is something that can be done easily and professionally. Invoicera an online invoicing software easily help you to create professional-looking invoices, credit notes and other memos with ease of a few clicks. Read the full blog here (Source) : Difference Between Invoice And Credit Memo
UK Spouse Visa Document Checklist for meeting the Income Requirement
Welcome to The SmartMove2UK’s latest guide to the financial documents required for your UK Spouse Visa application. We are going to present this guidance article as a UK Spouse Visa document checklist for you to follow to ensure that you can adequately prove that you meet the financial requirement for the UK Spouse visa application eligibility criteria. Before we get started on the UK Spouse visa document checklist for meeting the income requirement, it is important to present the disclaimer: Any of the advice that you find in this article does not constitute as legal advice. This is just a guide. To ensure that your UK Spouse Visa application chances to succeed are maximized, be sure to book an appointment with one of our consultants at The SmartMove2UK (a unit of Smart Move Immigration). Our expert Immigration advisors believe that it’s crucial to provide any prospects for the UK spouse visa application with a brief overview of the requirements they would have to meet, and have hence shared this information out of their extensive experiences as UK legal immigration advisors. Now let’s get to it. The financial documents must be of the sponsor’s financial income. If the applicant is working in their country, the Home Office is not really interested to know what they are earning. They just want to know that the sponsor can support the applicant once they are in the UK. The financial requirement at the moment is 18,600 GBP per annum. The income requirements would increase if there is any additional child. UK Spouse Visa document checklist for meeting the Income Requirement – 2021: Relationship Documents Sponsor’s Employment Letter Sponsor’s Employment Contract P60 (End of year tax certificate issued in the UK and Ireland) 6 x Sponsor’s Monthly Wage Slips 6 x Sponsor’s Monthly Bank Statements Accommodation Documents Additional savings held in regulated financial institution For the best immigration assistance in town, book an initial consultation with one of our UK qualified experts today. Our associates can help you in any part of the world telephonically or through any of our offices in either Mumbai, Delhi, Bangalore, Chandigarh or London. Even if you are missing some of the  documents, you may still be eligible to apply for a UK Spouse visa,  if you have a proficient immigration attorney by your side. And that’s exactly what The SmartMove2UK is here to help you with. You can contact us on +91 98191 27002 or email us at info@smi.legal and book your consultation appointment.
7 Sources of funding for entrepreneurs | You Must Know
An entrepreneur is a person who sets up his business, takes risks, and earn profit from it. But sometimes even entrepreneurs seek fundings for their new projects. So, i have got all of them together and listed the sources of funding for entrepreneurs. Above all if you go for Private Limited Company Registration, and get your company registered, it increases your borrowing capacity. Also, the investors have more faith in you and will invest easily. 7 Sources of funding for entrepreneur The various sources from which the entrepreneur can get funds are: Long term financial instruments Long term finance is required to buy fixed assets. That is why they are also called instruments of fixed capital. The Following are given below,  Equity Share Capital: Such shares which are not predecessor shares are called equity shares. In other words, equity shareholders have the right to receive dividends and capital in case of liquidation after preference shareholders. The holders of such shares are legally the owners of the company.  Preference Share Capital: Preference shares enjoy preference in both dividend payment and capital return in case of liquidation compared to equity shares. Term loan : Enterprises get long-term loans mainly from term loans. The term loan is repaid within ten years. Financial institutions provide both Indian currency term loans and foreign currency term loans. Short-term financial instruments Finance is also necessary for daily business activities. So, even you can look for sources of funding for entrepreneurs who have a small business. In other words, short-term finance is essential to meet the working capital requirements of the enterprise. Hence, such means of finance are also called working capital advances. Some of the short term resources are: Bank instrument  Cash credit  Overdraft  Encashment of bills  Letter of credit Non-bank instruments  Business credit  Business letter  An advance payment from customers Angel funder/ seed investor Angel investors are people who want to invest in the initial stages of a startup. Therefore, most of the funders have sufficient funds available with them. They are looking for substantial returns from the traditional investment methods. Also, angel investors have easy terms as compared to other lenders. Above all, they typically want 20% to 25% return on the money they invest in your company. Crowdfunding It is currently the trendiest sources of funding for entrepreneurs. Crowdfunding refers to a practice where money is taken from a group of people to complete a project. Therefore, whoever invests their money knows very well where and why they are investing. Usually, it is only for a particular cause. Types of crowdfunding:  Reward  Equity  Debt-based  Litigation  Donation-based Government funding There are more than ten popular business startup loan schemes that the government offers. Following are some of the best government loan schemes for starting a business:  Mudra loan  Startup India  PSB Loan  SIDBI Make in India Soft Loan Fund (SMILE) for MSME Mutual funding A mutual fund is the most common pool of money. This investment replaces the contribution to invest in different types of securities as per the stated objectives. Why entrepreneur look for sources of fundings:  Fresh start a business  Increase visibility  To attract attention in the market  Expanding their business Conclusion The entrepreneur needs a durable and long-drawn-out loan for stable business capital. However, all sources of money matters are broadly dissociating into equity capital and debt capital. Equity refers to the finance received from the shareholders. On the other hand, the loan is prevailing from outside parties. The entrepreneur is very courageous, who participates in the development of society. That's why sources of funding for entrepreneurs have a vast variety to choose from according to requirements. An entrepreneur also employs other persons to grow his industry. As a result, unemployment prevailing in the community also gets rid of to some extent. So we can say that an entrepreneur is a person who takes other people along with him. He takes care of his interests as well as the interests of others. Not every Businessman can be an entrepreneur. An entrepreneur follows every rule of business well and increases the growth of his business day by day.
What COVID-19 Impacted on Cleaning Product in FMCG Industry ?
Impact of COVID-19 on Cleaning Product in FMCG Industry INTRODUCTTION The COVID-19 pandemic has influenced the whole planet with its major impacts on the economy and businesses across the globe. The COVID-19 spread worldwide in unprecedented ways due to its high infectious and contagious nature and lack of availability of its vaccine. As a result, the greatest medical challenge in the 21st century is yet to be faced by physicians worldwide. Though the emergence of the virus can be traced back to Asia, many European countries along with the U.S. have been struck massively by the pandemic. The virus has spread across all regions ranging from North America, Europe, Asia-Pacific, Middle East, and Africa up to South America. The COVID-19 has been declared as a pandemic by World Health Organization (WHO) due to its increased spread across the globe. After the declaration of the pandemic, various countries announced the complete lockdown such as India, China, and other Asian countries to decrease its spread. According to the latest situation report by World Health Organization (WHO) stated 175 million cases of the corona have been reported globally and 4 million patients are dead due to the coronavirus. On a slightly positive note, a total of 158 million people have recovered and total of 2 million vaccine doses have been administered as well. The sudden shutdown across the word due to COVID-19 pandemic brought daily life to standstill and disturbed all economic activities. It restricted movement of people, induced labor shortages, impacted factory operations, disrupted logistics, led to outlet closures for non-essential products and food service providers, triggered panic buying among consumers for staples and left retailers with stock-outs in few categories. Cleaning products are comprised with numerous types of materials including liquids, powder, sprays, or granules which are used to remove dirt including dust, stain, bad smells, and clutter on surfaces. The main purpose of cleaning products is to maintain health and beauty, removing offensive smells, and avoiding the spread of contaminants to oneself and others. Many cleaning agents can kill bacteria such as kitchen room, as well as bacteria on worktops and other metallic surfaces and clean at the same time. Cleaning products are normally in the form of acids detergents, abrasives, and sanitizers. And others, called degreasers are cleaning agents containing chemical they are used to dissolve water-insoluble substances (such as grease or oil). In the manufacturing sector of cleaning products, workers have been hit hard in some segments, such as workers are told to stay at home, factories have been closed, and global supply chains grind to a halt. Quarantine measures, closure of retail stores, canceled orders, and salary reductions are suppressing demand and supply of the product such as, personal protection equipment, hand sanitizers and delivery of safe food at home. IMPACT ON PRICE The spread of coronavirus has caused huge shortage of cleaning products and due to this shortage, prices have been highly increased. Increases consumption of packaged, healthier, immunity boosting foods and beverages, and hygiene and cleaning products increase intake of OTC medicines to protect from viruses but on other side factories and all nations have gone shut down. These chaos has have had heavy impact on prices of cleaning products. For instance, The average daily sales and factory output have declined. Only few factories are operational in this time and maximum of those factories are in COVID-19 hotspot regions. Due to this condition the government hasn't permitted the distributors to operate, which thereby make sure the shortage of cleaning products and hence, the increased price. IMPACT ON DEMAND The few months of lockdown changes in consumer behavior are being reflected in sales of product categories. Increased awareness about personal hygiene has led to a jump in demand for hand washes and sanitizers. Emphasis on immunity boosting has led to a surge in demand for healthier foods and preventive products. Some categories like grocery, food and home-essential products, are seeing a surge in consumption. Hence, the demand for cleaning products is on the rise which is further leading to growth of the market. During the pandemic, high importance has been provided to cleanliness so as to avoid the spreading of infection. Cleaning is vital to reduce the impact of virus and thus, the demand of cleaning products has been huge. Due to this consumption of cleaning products have also been high and cleaning products are now out of stock. By this contrast, COVID-19 is having a decidedly different effect on various product categories. In particular, the pandemic is elevating the status of household cleaning products. Cleanliness has always been important, but cleaning products are now part of consumer’s daily life. IMPACT ON SUPPLY CHAIN COVID-19 has adversely affected the supply of inputs for many businesses with lockdown policies affecting the movement of people and business operations. In China, people involuntarily sat idle as a result of COVID-19, which led to a diminishing global pipeline of parts and components exporting around the world. Although no major problems have been observed in the supply chains of consumer goods such as sanitizers so far, it remains unclear in the face of an uncertain future. As a result, each country has to realize the severity of the situation and sometimes should tighten or loosen the measures according to the spread of the pandemic. The supply chain also should be flexible enough to respond to the challenges in the supply chain of cleaning products. UPCOMING FUTURE OF PROTECTIVE FILMS MARKET After COVID-19 people are more aware with cleanliness and changed their life style. Moreover, the technology and innovation are creating new cleaning products that consumers are demanding and cleaning companies can use. Additionally, consumers are increasingly more interested in environmentally friendly products. Technology has influenced how cleaning companies manage their business activities and also how they communicate with their customers. In near future social media and innovation will prove important over the coming years. The government has also encouraging cleanness and manufacturers must keep up a constant advertising effort to promote cleanness image and reinforce market presence. Additionally, companies must be quick to meet changing demand and keep up with shifting trends through product innovation and technological savvy. Extending manufacturing lines to include natural and eco-friendly product and packaging options is one way in which companies may need to evolve. STRATEGIC DECISION FOR CLEANING PRODUCT MARKET AFTER COVID-19 TO GAIN COMPETITIVE MARKET SHARE The spread of coronavirus has caused huge shortage of cleaning products and this shortage has driven price too high. Governments, medical sector staff, workers of other organizations and doctors have been encouraging to use alcohol based hand sanitizers which have had huge impacts on sanitizer market, and have tried their efforts to address and mitigate the challenges of COVID-19 and recover from the economic and social crises. Many country’s government have support packages and while these are not generally specific to the chemical industries. The coronavirus has disrupted almost every industry but governments, medical sectors, workers of other organizations and doctors have encouraged social distancing and due to all these, factories had been shut down and workers were not going to work and have tried their efforts to address and mitigate the challenges of COVID-19 and recover from the economic and social crises. CONCLUSION Pandemic has taken a toll on every aspect of life, including the global economy. With the significant downfalls in many sectors, a collaborative effort of government, industry players, and consumers can win the fight against COVID-19. As official authorities and WHO (World Health Organization) have been encouraging the use of sanitizers, drinking clean water, and hygiene in terms of food we consume and area we live in or washing our hands, the demand for cleaning products has been and will continue to see a significant growth. It still continues to inflict the world with appalling economic and social dilemmas, capable enough to leave severe backlash on the economy for the next several years. The first wave had already inflicted severe blows to the population as well as the economy. The currently experiencing second wave is expected to be more disastrous not only to the masses but also to consumer goods markets. Cleaning products and services are an essential part of preventing and protecting human health during infectious disease outbreaks, including the current COVID-19 pandemic. One of the most cost-effective strategies for increasing pandemic is preparedness, especially in resource-constrained settings, is investing in core public health infrastructure, including water and sanitation systems.
Do you Know Banks have Become Cautious about Offering Student Loans
Banks have become cautious about the disbursement of student loans. The situation has primarily arisen due to the rise of unemployment. The ability of those who have already availed of conventional education loans to repay on time has drastically reduced. This way, non-performing assets (NPAs) have gone up in the last 1.5 years. It is where banks have become cautious about sanctioning an education loan for abroad studies. They don’t want to initiate a loan with fewer chances of timely repayments. What is the solution then for people looking to apply for an education loan? You can apply for an education loan against property. Read on and know more about it! What is the education loan against property? An education loan against property is a one-stop solution to address all requirements of quality education. Once you apply for an education loan against property, you can get an amount as higher as up to Rs.1 crore. The amount may vary as per your eligibility and the internal policies of lenders. An education loan against property is a secured debt. An education loan for higher studies interest rate is on the lower side. It means you can always manage your outlays by paying reduced EMIs. Education loan calculator for eligibility and EMI is available on a lender’s website. This way, you can arrive at your exact education loan eligible amount and the EMI figure before availing of the loan. What are the benefits of an online education loan against property? The education loan against property is loaded with customer-friendly benefits. Let’s take a look: 1. A large loan amount Applying for an education loan against property can help you to meet all expenses of overseas education. From tuition fees to accommodation to air tickets to more, the money out of this loan could be used for all. There are no restrictions on how you use the money if it’s for legal purposes. 2. Money in your bank account within 96 hours The education loan against property approval is given faster if you are an eligible candidate. Once you have the approval, the education loan against property money gets credited into your bank account within 4 days. Hence, there is no need to wait for ages when you need funds urgently. 3. Flexibility to make repayments Applying for the online study loan against property does not mean you need to repay the loan faster. Yes, you do not have to strain your wallets while paying off EMIs. It is because top lenders let you repay the loan amount over a tenor between 2 to 20 years. 4. Easy balance transfer facility If you already have an education loan against property active and paying a higher interest amount, you can switch your lender. This way, you can enjoy lower education loan against property and pay reduced EMIs. You can also avail a higher value top up loan to cover other financial needs at a lower rate and a tenor like your active loan. 5. Flexi dropline feature Another benefit of applying for the education loan against property is that you can borrow an amount from your limit and pay only interest. This way, you can bask in the freedom of managing your finances efficiently and pay only interest as EMIs. Once you apply for the education loan against property, you can also manage the loan account online. It is possible via the customer portal of your lender and to know various details like amount to repay, EMIs paid, and even lodge and track complaints. If your bank is not sanctioning your traditional education loan, you can always procedure a significant amount. All that you need to do is – apply online for the education loan against property with a reputed lender.
How Impacted COVID-19 on U.S. Shale Gas in Chemical Industry ?
Impact of COVID-19 on U.S. Shale Gas in Chemical Industry INTRODUCTION Shale gas and shale oil are defined as natural gas & oil from shale formations. Shale is a type of sedimentary rock that is made up of very small clay particles and is highly porous in nature. It is formed in deep ocean water, lagoons, wetlands, and swamps where the water is still enough for extremely fine clay and silt particles to settle to the bottom. Since shale is a porous formation, it serves as both a source and a reservoir for unconventional hydrocarbons. The extraction of oil and gas from a shale formation involves mechanical stimulation. One such technique for stimulation is hydraulic fracturing or fracking. In the fracking process, cracks in and below the Earth's surface are opened and widened by injecting water, chemicals, and sand at high pressure. The combination of horizontal drilling and hydraulic fracking has made it possible to access vast quantities of shale gas that were previously uneconomical to generate. Natural gas output from shale deposits has given the United States natural gas industry a new lease on life. The demand for safe access to energy sources is growing globally. Shale oil and gas have played an important role in meeting global energy demand during the energy revolution and are expected to continue to do so for decades as society transitions to lower-carbon energy sources. The rapid growth of shale oil and gas contributes to increased supply stability and lower commodity prices. According to the United States Energy Information Administration (EIA), in the year 2011, the country’s estimated available natural gas resources totaled 2,552 trillion cubic feet (Tcf). Natural gas from shale deposits, which was once considered to be uneconomical, accounted for 827 Tcf of this resource total. In the year 2020, U.S. dry shale gas production was about 26 trillion cubic feet (Tcf), and equal to about 78% of total U.S. dry natural gas production. IMPACT OF COVID-19 ON U.S. SHALE INDUSTRY Shale oil and gas exploration have, in particular, given the US oil and gas industry new dimensions of development. It has also fueled significant investment in associated infrastructure for gathering, storing, and delivering hydrocarbons to both domestic and foreign markets. In less than a decade, the US shale industry turned the global energy landscape upside down and re-established the US as the global energy leader. The onset of a global pandemic and subsequent drop in oil prices, on the other hand, has taken the momentum out of the shale boom. Due to a sudden drop in demand, the shale industry has immediately self-corrected. Many oil and gas players succumbed to the economic shock resulted from the CoVID-19 and filed for bankruptcy. Chesapeake Energy, a shale leader and once second-largest gas producer in the United States, filed for Chapter 11 bankruptcy protection in late June. According to the United States Energy Information Administration (EIA), the crude-oil output from seven major shale formations in the United states fell by around 56,000 barrels per day (BPD) in August 2020 to just under 7.5 million BPD, which would be the lowest level in two years. The shale industry is closely looped in with the oil and gas industry. The recent downfall of the oil and gas industry during the pandemic has had a severe impact on shale output. Post pandemic, the shale industry peaked, but the industry as a whole lost money. Since 2010, the US shale industry has produced USD 300 billion in net negative free cash flows, damaged more than USD 450 billion in invested capital, and seen more than 190 bankruptcies. With the advent of the coronavirus, the future for shale producers has become even bleaker, with a new bankruptcy filing occurring every week or so in the last few months. The pandemic's effects will be felt far beyond the US shale industry. Despite accounting for less than 10% of global oil and gas output, US shale oil extraction activity accounts for 40% of global shale oil extraction activity and accounts for nearly 100% of the growth in US midstream and export-oriented refining and petrochemical sectors over the last decade. STRATEGIC INITIATIVES DURING COVID-19 · Organization of the Petroleum Exporting Countries (OPEC) agreed on a continuation of March production levels for the month of April, with the exception of Russia and Kazakhstan, which will be authorized to increase production by 130,000 and 20,000 barrels per day, respectively, at their most recent meeting · Saudi Arabia has also agreed to extend its one-million-barrel-per-day voluntary cut for the month of April. · Companies such as Chevron, Shell, Schlumberger, and others have taken initiatives to safeguard their workforce in the ongoing pandemic situation. CONCLUSION On Conclusion, the pandemic has placed the shale industry in a delicate spot as major players are forced to cut down the output. The potential energy landscape in the United States and around the world is highly complex, and its drivers are interconnected. In the not-too-distant future, a wave of consolidation in the US shale industry could be triggered by the poor financial position of many firms and the weak economic outlook. The continuous demand for a ban on fracking, coupled with the effect of COVID, has cracked the shale industry severely. Although, the historic evidence indicates that the shale producers operate more economically. In comparison to 2019, producers in the Permian Basin are saving roughly 20% on good costs.
What is a Passive Income?
A Passive Income can be described as the earnings or an income that keeps coming to you month after month even if you stop working. You need to work hard once and the income keeps pumping in for years to come. Anyway, you are going to do something to earn a living, and choosing the smart ways to earn money while you sleep can be one of the wisest decisions you will ever make. Billionaire Warren Buffett is a big fan of Passive Income and is proven by his famous statement. "If you don't create a way to make money while you sleep, you are going to run behind money your whole life". Why do you need a Passive Income? A Life free from the worries of Money no matter what you do or where you go can be fulfilled by Passive Income. Everybody does something in life in order to make money & earn a living. The reason why it's so important to create a residual ongoing income is to have good financial security. No matter how good you pay is, a paycheck to paycheck is a slavery life with chains wrapped around. It's proven when you get a weekly off and you feel like you just came out of prison. Isn't it? Otherwise, why would you plan so much to enjoy on weekends and not on weekdays? How to Create a Passive Income Online? Passive Income can be generated online or also offline. The difference between online and offline may be the ease to invest and also the risk involved. Let's say you choose to invest in real estate to create passive income, it will cost a lot of money for your initial investment. & if you choose to blog, Vlogging or affiliate Marketing you might require lesser Investment to start and less risk too. Creating a solid passive Income might take years but you need to be patient. Some tips to create an ongoing income: >>> Passive Income Ideas <<< The greatest success in life always demands the biggest sacrifice, however the rewards are long term and is worth every penny. Choose to invest your time and money wisely for the next 1-2 years, you will have a solid Passive Income that lasts for years to come. Get trained from a successful entrepreneur before you take any actions.
Employee V/s Entrepreneur | Which Path to choose in 2021?
Introduction to Employee V/s Entrepreneur Employee V/s Entrepreneur. You must have listened to both words. Moreover, Entrepreneurship has become quite popular over the past years. Instead of working as an employee, many people want to start their own business. You may have also listened to your parents, relatives, or people saying to have a secure job. What is right? Should we choose a job and feel secure in our life because entrepreneurship, starting your own business is very risky. While being an entrepreneur can have many important advantages, there are also some issues related to it. Till now you were confused between job and entrepreneurship but after reading this article you will be cleared and you will make a decision on your own, what to do? Because I know both worlds and give you all the pros and cons of employee v/s entrepreneur in the following article. In today’s world, people are very much confused about what to do. Should they take some risk and leave their 9-5 job, or should they build a business with their job? Should people who have their own business also close it? There are unlimited questions like this, but that all questions will be solved as today you will learn the pros and cons of entrepreneurship, job, and shifting from job to entrepreneur. First, let’s see what are the conventional concepts and things which we have been taught till now about employee v/s entrepreneur. What have we been taught about jobs and entrepreneurship? Generally, in most families, we have been taught about having a secured job. The thing which most parents want their children to have is a secured job. But according to the conference board, 53% of Americans are currently unhappy at their job. Then why do they say so? To let their children be unhappy? So we have to choose entrepreneurship right? But According to the U.S. Bureau of Labor Statistics (BLS) data, shows that approximately 20% of new businesses fail during the first two years of being open, 45% during the first five years, and 65% during the first 10 years. Only 25% of new businesses make it to 15 years or more. We can say that 90% of startups fail. This clearly means there is a lot of risk in entrepreneurship than a job. Because we get at least job security and we get a paycheck every month in the job. But have you seen any millionaire or anyone who is fulfilling his dreams and is successful because of his job? People who are billionaires today were always entrepreneurs, never at jobs. But no one in our society generally talks about entrepreneurs, they just talk about jobs or self-employed. So what to choose? We will look into it. This was just what have we been taught. Pros And Cons Of Being An Employee V/s Entrepreneur Pros Of Being An Employee It is not a secret that many people hate their jobs. For some people, it’s because of their boss or colleagues. For others, it’s because of the perceived lack of work-life balance. Regardless of the reasons, there are also many benefits of working a 9-to-5 job that could lead you to think otherwise. Let’s have a look at some of them: #1 Regular Paycheck Whether the business is in loss or profit, it is the best thing about the job is a regular paycheck. Like if you have done any EMI, then you don’t have to worry about that. In fact, a paycheck is the most exciting thing for many peoples. If you are in a job, then just imagine the time when the paycheck comes. You have your widest smile while seeing the text of salary, haven’t you? Why? Because money cannot buy you happiness but can give you stability and security. It gives you a kind of feeling of security and independence. As long as you will give value to the company, you will receive a paycheck. #2 A Sense Of Identity Have you visited your relative party, or any kind of party, meetups, meetings? What is the question someone asks you there if he doesn’t know you? First, he asks your name, and then in most cases after that What do you do? At this time job gives you an identity. Though many people hate their job in this situation they proudly say their position. For Example, Your Name, FBI. This is the benefit of having a job as it will give you a perfect definition of who you are. #3 Experience You may have listened to people saying before starting your own business, you should once be in the job. Even I believe that before starting your own business, you must gain experience of business by doing a job, not for the paycheck but the experience. As a job gives you a lot of experience. In fact, if you get a job in the business which you are going to start, then the job will teach you a lot about management, sales, some strategies, and many people. #4 Meet new people  The job allows you to meet many new peoples who can be your friends, mentors, colleagues, or competitors. This helps you to improve your social skills. This helps you to improve your confidence, communication skills, and also meetups. It is fun working with new people which you get here. Maybe one of them is your best friend forever. #5 Work-Life Balance In your 9-7 job, though you don’t get time between 9-7 you get time after that. You don’t have to bother with stress after that. In our life, there’s not only work but our lives also matter which includes our family. The best thing about it is after 7, we are free of stress, work, and the burden of work. And we can easily give time to our family. This is the work-life balance. #6 Work with a community  On the job, we mostly work with a community. The community doesn’t here mean your home community but office community. We as an employee work with other employees as well. We can tell it as our work family. Sometimes all the people enjoy and do the work which is like working fun. Cons Of Being An Employee Till now you may think that job is the best, as we get many works as well as social advantages. But we can decide by seeing one side of any coin. If we see only the pros of anything, then we would definitely say “YES”.  #1 Less Job Security  The thing which you have to keep in mind and which people ignore is businesses are not emotional. They don’t want people who don’t have the proper skills to work. Today robots are taking place of humans. It is not popular till now, but it will be common soon. It is said that in businesses you have to fire 10% of your employees every year of bad performance. Businesses don’t want quantity, they want quality. In fact in today’s world people with high skills also don’t get a job. Job security is in very few jobs today. Remember this point always “If you don’t come to work on time, you’ll be fired.” #2 You can’t decide Your Job Earnings And Reward [ Income is not equal to action ] Know more: click
Which Investment Options Give High ROI?
Investing is absolutely essential to obtain returns from your invested money. Instead of keeping your money in the bank account idle, you can put it into investment options. To build the wealth, it’s vital to choose the right investment options and begin investing. Not choosing the right investments may lead you to miss on earning potential. Not every investment assures you of substantial returns. However, upon making investments wisely, you get potential to earn high returns. Investment Options that Offer High Returns Let’s have a look at the best investment options that will help you gain high returns. 1. Public Provident Fund Public Provident Fund (PPF) is a popular investment option that helps you bring decent level of returns. It offers a fixed returns as per the rate of return applicable. The current interest rate is 7.1% per annum, which is revised quarterly and compounded annually. You need to invest for 15 years and gain guaranteed returns. It helps you build a corpus which you can use to meet various long-term financial goals in your life. 2. Equity Money invested in equities is put directly in the stock market. Depending on the market performance of your stocks, you will directly gain returns. It comes with high risk, but will also bring high returns as well. When you are seeking to invest in equities, you must assess the risk involved and invest in stocks that help fulfill your investment goals. 3. Mutual Funds Mutual Funds is one such option which is considered as a safer investment. In mutual funds, you can purchase units of various company’s stocks and is managed by a fund manager. You can easily invest it through SIP’s monthly in which you can purchase some units monthly. This investment category helps earn money through capital appreciation and dividends. There is an option to re-invest the capital gains and accumulate savings in the long run or, earn a regular income through dividend option. 4. ULIP Unit Linked Insurance Plan (ULIP) is one of the top investment options in India that offers returns on your investment along with financial protection. So, it carries the dual benefits. What else you will need from your invested money. Under ULIP, a major portion of your money is invested in the stock market and the remaining money is invested to give you a life cover. It gives you returns on investment and in the event of your demise, it pays the sum assured amount as a lump sum to your beneficiary. 5. Sukanya Samriddhi Yojana Sukanya Samriddhi Yojana (SSY) is just the right investment scheme which help you finance the education and marriage expenses for your daughter. In this scheme, you only need to contribute regularly which facilitate you to get huge savings for your daughter. You can begin with a minimum amount of Rs. 250 to a maximum of Rs. 1.5 lakh during a financial year. It comes with a tenure of 21 years from the date of account opening. 6. Real Estate Buying and selling land, apartment and building is a safe investment option in India. It helps you gain returns over the time and with this, you can multiply your investments very quickly. Investing in real estate is a helpful strategy to wealth creation. When you are up to investment in real estate, you must make proper checks to assess whether the property you are investing in, is genuine and has enough potential to give back high returns. 7. Gold ETF Gold investment is the right investment option when you are looking to earn high returns. You can go for gold ETFs under which you can hold investment in electronic format. It also accompanies high liquidity. So, whenever you want just sell it.
How to get Profit in Real Estate?
In Pakistan, real estate is one of the most flourishing businesses that hold the major stakeholders of Pakistan. In the ongoing 20th-century maximum number of billionaires are real estate investors as this field has rocket power potentials. But the intermingling question which arises here is that, “HOW TO GET PROFIT IN REAL ESTATE." The answer to this question will open up the ultimate way for you to unpack the bundles of success for you through real estate. The Masters Real Estate is one of the Best Real Estate Investment Company in Pakistan. We are official sales partner of Lahore Smart City and Capital Smart City. The strategy to evacuate the desired profit from real estate has inculcated in the roots of consistency and patience. No bypass or shortcut way will make you rich through overnight formula. However, if you have ambiguity about the profit potentials of real estate, then you are at the most right place to figure out the genuine way. The gurus of today's world that have to earn immense experiences about real estate still admit that some conventional rules are still pro tips to make a profit in the real estate world. The gloss and shine of the real estate era are quite fascinating, but the paths of the real estate business are not as convenient. Consequently, your dedication and preference towards your work will lead you to make piles of profit from the real estate world in the meantime. It will prove a worthy earning journey for you once you get into this market. To know how to get profit in real estate, you have to keep some basic techniques at your fingertips. The criteria of this talk will reveal the basic and traditional, and rational ways to make a profit from the property. We have striven to deliver a complete guide for “How to make a profit in real estate." We have compiled up the golden ways that will flicker up your real estate business with huge profit. CAPTURING THE INCREMENT RULE The rule of appreciation or inclining rates of the property will have synchronized with the sale of your property. It is one of the ancient ways of extracting profit from real estate. Although it is a traditional ritual of the market of real estate, it is still well-grounded. Hence it is good to sell the properties at the peak time of the need to make a colossal profit. RENTAL PROPERTIES The second most reliable way of composing huge profits from real estate property is to buy properties and simple rent. This method is a constant way of earning livelihood for a large proportion of people in Pakistan. However, the maintenance cost of the buildings and other expenses run side by side. AGRICULTURAL LAND PROFITS In a country where agriculture is the source of income for a massive population, a real estate investor can also pull the profit from these harvesting lands. You can purchase the land and lend them to a farmer for cultivation. In this way, you will own the ground, and also, the portion of crops, vegetables, and fruits are grown on them. Another way is also to sell the land when its market value undergoes appreciations. COMMISSION STRATEGY Here comes the most versatile domain of fetching the profit from real estate. And it's one of the most frequent answers you will get to hear as a result of “HOW TO GET PROFIT IN REAL ESTATE." This aspect of the real estate market revolves around the commission, or you can say the service charges of all the dealings from the investor and the buyer. A real estate business person or agent will get this amount due to selling the appropriate land to the investor. On the other hand, you can also charge the seller to find the correct buyer for him/her. HOLIDAY RESORTS PROFITS It is another way of making a profit. Real estate market. In this scenario, apartments, resorts, and guest houses, or any other place at the vacation or holiday point have been purchased by the investor. After that, you may rent your property in the peak time of tourists visiting that place, or you can also sell your property at the right time with attractive market prices.
What COVID-19 Impacted on Cleaning Robot in Semiconductors & Electronics Industry ?
Impact of COVID-19 on Cleaning Robot in Semiconductors & Electronics Industry ANALYSIS ON IMPACT OF COVID-19 ON THE MARKET The pandemic started with its epicenter in China in 2019 and has been continuously spreading by then to all over the world, so far 216 countries and territories have been affected with Covid-19, the U.S. being on the top with cases reaching about 4.38 million, followed by Brazil, India and then by many European countries such as Russia, Spain, Italy, and others. The COVID-19 cases reaching to the big named countries with strong dominance in the global market which has adversely affected the economy globally. The spread of the coronavirus has led to the global recession, many companies are being bound to take stringent actions of laying off their employees, small businesses are being shut, and manufacturing facilities are being put on hold. There has been a disruption in the supply chain of many industries due to restrictions in logistics and the closing of manufacturing facilities. In addition, the slowdown in the economy has lowered the spending capability of individuals and people are saving money for emergencies. However, now almost in every country, the factories are started to reopen by taking some prevention such as 20% -50% employees on the field, social distancing, extreme hygiene measures, and others to support the economy. It is supporting the economy and helping to lower the recession rate at a certain level. COVID-19 highly impacted the personal and domestic cleaning robots market due to the recession gripping the world and a decline in disposable income, the demand for personal and domestic robots declined. Also, the behavior of the individuals has certainly changed in the pandemic, people are now more concerned about their health and spending for future use due to incurred losses which lead to a decrease in the sale of cleaning robots. However, cleaning robots have a huge demand in the healthcare sector. During the time of social distancing, hospitals are demanding mobile robots integrated with UV-C light disinfection equipment to sanitize the wards and rooms to minimize any physical contact. For instance, In June 2020, According to the founder and chairman of Milagrow Robots, there has been a huge surge in demand for floor and window cleaning robots. The total sale is expected to be 300,000 to 400,000 cleaning robots in 2020 when compared to 10,000 cleaning robots in 2019. STEPS TAKEN BY MANUFACTURERS DURING COVID-19 SITUATION As the COVID-19 crisis continues to expand, makers would possibly face challenges on varied fronts. Producing firms would be searching for immediate measures to stay their workforces safe and their businesses solvent. Makers would conjointly have to be compelled to look on the far side of their economic viability. Because the COVID-19 pandemic intensifies, makers would possibly face continued downward pressure on demand, production, and revenues. They would continuously face cash-flow liquidity challenges and difficulties in managing debt obligations. In December 2020, LG Electronics announced the launch of the autonomous robot with disinfecting UV light for various B2B applications. This robot uses ultraviolet (UV-C) light to disinfect high-touch, high-traffic areas and is designed for hospitality, education, corporate, retail, restaurant, and transportation customers to reduce exposure to harmful bacteria and germs The pandemic may drive the enhancement of automation, digitalization, and artificial intelligence (AI) in almost all sectors. In a situation like social distancing automation and robotics could reduce dependence on human labor and increase productivity, preventing the chances of losses. The pandemic has boosted the growth of healthcare industries. As people need to maintain physical distancing, manufacturers can gain the advantage of this norm to address the mass public in hospitals and crowded places. Manufacturers were engaged in product development with advanced technologies, partnerships, and collaborations to gain a competitive advantage in the market. For instance, In January 2021, SAMSUNG announced the launch of new AI-powered robotic vacuum and laundry products. The new JetBot 90 AI+ features smart technologies that optimize the cleaning route and respond to its environment. The JetBot 90 AI+ is the world’s first smart robotic vacuum that helps to automate home cleaning in these Covid times IMPACT ON DEMAND The behavior of the individuals has certainly changed in the pandemic, people are now more concerned about their health. The government is also working on research and development to develop a vaccine and avoid any further pandemic as such. The government is using augmented and virtual reality for the known disasters which can help in reducing the effects of the disaster. The pandemic has boosted the digital transformation of industries, companies are focusing more on a digital platform to interact with their clients and customers. The pandemic has brought a huge demand for cleaning robots to ensure safety as COVID-19 has put cleaning and disinfection front and center in facility maintenance and at other places. Huge adoption of technology, automation, and smart buildings is gradually increasing the scope of growth for the cleaning robot market. IMPACT ON SUPPLY CHAIN The pandemic has brought a huge impact on the supply chain of the cleaning robot market. The logistics and transportation of assets deteriorated a lot. The supply chain was adversely affected as the lockdown prevailed in many regions globally, the government has limited the workers. Companies are making their operations work according to the government regulations by making limited workers work in different shifts. The supply chain is experiencing disruption in Chinese parts exports, large-scale manufacturing interruptions across Europe, and the closure of assembly plants in the U.S. The manufacturers were facing a shortage of raw material, shifting of production to other countries, liquidity crunch to delays in availability of models, and deferred launches. However, now there is an improvement in the supply chain as most of the facilities and travel restrictions have opened and working in most optimum capacity. CONCLUSION As the Covid-19 prevails the cleaning robot market has witnessed a gradual increase in the demand for cleaning robots and services. Most of the manufacturing facilities were closed bringing down the production of cleaning robots which leads to disruption in the supply chain. However, as the markets are getting digitally transformed and people are being more reliable on digital sources the market seems to be growing. Organizations operating under this market were building up new strategies to maintain all the safety measures at facilities and focusing on technological up-gradation to boost the growth of the market. Even after the pandemic automation of industries will continue to increase which acts as a major driver for the market. Growing demand from the healthcare, media & entertainment, and retail sector will act as a major boosting factor for the growth of the market in this pandemic.
1分鐘了解外匯交易中的做空且如何通過做空賺錢
  如何理解外匯交易中的做空操作?      首先談一下做空的機製。打個比方,做空其實就是你借了別人的東西來賣出,然後等這個東西的價格跌下去了,你再買回來,把東西還回去的過程。比如說桔子現在3塊一斤,你借了一斤鄰居的桔子賣出得到了3塊錢,等桔子跌倒了2塊,你再用2塊從市場裏面把桔子買回來還給鄰居,於是你賺了1塊錢,這就是通過做空來獲利的過程。   外匯中的做空一般是伴隨著兩種貨幣的一多一空實現的,相當於用一種貨幣換另外一種貨幣。用來換的那個貨幣就成了被做空(賣出)的貨幣,而被換的貨幣就是做多(買入)的貨幣,等賣出的貨幣匯率跌下去,再用買入的貨幣換回賣出的貨幣,就實現了平倉的操作。而換出來的賣出貨幣比剛開始的時候多,所以你實現了盈利。      對於投資者來說,很多時候手裏是沒有做空的貨幣的,比如我手裏是美元,但是我想做空歐元,然而我手裏又沒有歐元可以賣出,而且貨幣匯率的波動實在太小了,那麼一點點的波動都不夠塞牙縫的,怎麼辦呢?這個時候銀行就出來了。銀行給你提供足夠多的歐元,你交一部分手續費,然後提供一定比例的保證金(這個比例就是杠桿),至於你做交易的結果,那當然是盈虧自負了。於是通過銀行,市場實現了可以做空貨幣的功能。      當年索羅斯是怎麼用120億狙擊英鎊的呢?當時英鎊的估值過高了,而德國的馬克估值又過低,也就是說英鎊兌馬克的匯率已經嚴重高估,於是索羅斯開始布局對沖了,在市場裏面逐步賣空了英鎊,同時買入了德國馬克和法國法郎,然後買入英國的股票,賣空德國的股票。在索羅斯的帶領下,一大幫投機者都來做空英鎊了,於是就造成了英鎊不斷下跌的局面。當時英國央行總共動用了269億美元的資金買入英鎊,甚至還加息將利率提高到了15%都沒有讓英國的匯率上去,最後英國央行彈盡糧絕,到了無法維持歐洲匯率機製的要求的地步。1992年9月15日,英國正式退出歐洲匯率機製,堪稱屈辱的一幕,而這也讓索羅斯一戰成名,成為了打倒央行的男人。      以前中國國內銀行只提供外匯實盤交易,即你存多少錢就只能做多大金額的交易,而且只能賣出你的存款貨幣,而不能拋你沒有的貨幣,這就大大限製了客戶的交易方向,使你只能在自己持有的貨幣下跌的時候才能做交易,這和國內的炒股是一樣的情況。      為了解決這個問題,銀行推出了保證金交易,其實在上世紀90年代國內就已經有了這種業務,只是後來被喊停了。所謂保證金交易,就是客戶的外幣存款只是作為保證金存在銀行,而其真正的交易本金是數倍甚至數十倍於他的外幣存款保證金的。這筆交易本金其實相當於是銀行借給客戶去炒匯的,這樣一來,客戶的交易就可以完全不受自己存款是什麼貨幣的限製了。只要是在銀行公布的交易貨幣範圍內,你想買賣什麼貨幣都可以,這也就是所謂的做空機製。      由於客戶的交易本金被大幅放大,其產生的浮動盈虧也相應放大,作為資金提供者的銀行來說,當然要想辦法控製這種風險,於是,保證金交易一般都有銀行可以強行替客戶平倉的製度,即當客戶交易的賬面虧損達到保證金的一定比例時,客戶需追加保證金,否則銀行有權強行平倉,產生的虧損在客戶保證金中扣除。保證金變少了,客戶下次可以交易的金額自然也會少了,直至保證金全部虧完,你也就不能做交易了。不過一般銀行都會有一個保證金起點金額的限製。      還有一點要說明的是,既然是銀行借錢給客戶炒匯,銀行是要收取利息的,比如,你買了歐元拋出美元,2天後平倉,那麼銀行是要扣除你占用了2天歐元資金的利息的。所以,作為客戶來說,除了關註交易貨幣在匯率上的升跌外,有時還要考慮在交易期間自己買入的貨幣在利息上的支出。      保證金交易有許多股市比不上的優點:      優點1:股市只能在白天的特定時段內交易,一般為早9:30到下午3:00。尤其是如果你還有自己的工作,那麼你將面臨兩難的境地—要麼放棄工作,要麼退出交易。而外匯保證金交易則每周5天,全天24小時均可以進行交易,您可以在業余時間的晚上投入到保證金交易中。      優點 2:股市中有成百上千種股票,那麼選股將是一件很難的事情。而匯市中,貨幣組合非常有限,這可以使您集中精力於這幾個貨幣組合,並很快抓住他們的脈動。      優點3:股市的交易量比匯市小很多,而且數以千萬計的非職業的投資者影響市場的正常運做,使預測市場的運動變得更難。而匯市是全球最大的金融市場,也包括很多大的參與者—銀行、投資基金、公司和其他金融機構。所以,無論多少投資者參與到匯市,對價格的影響微乎其微。      優點 4:股市的另一個缺點就是在熊市時,投資者無法作為,只能被套。在經濟蓬勃發展的時候絕大多數投資者都能獲利,但是經濟發展是交替的,當發展被衰退所代替時,投資者只能持倉不動。而在匯市,無論經濟是發展還是衰退,投資者都可以獲利,這就是外匯保證金的作空機製。      做空技巧      外匯交易不同於股票,外匯市場是雙向交易,只要技巧掌握了,做多做空都有利潤可獲得,極小的成本也能產生持續不斷的可觀收益。下面互易市場就帶你了解外匯市場中較簡單的做空獲利。      K線組合形態:      1、 K線的形態有很多種。一般情況下,若出現W型底部形態或多重底部形態、V型反轉形態時,即是做多信號。相反,若出現M型頭部形態時,即是做空信號。      2、在上升趨勢中的烏雲蓋頂、看跌吞沒、吊頸線等等,或者下跌趨勢中出現黑三兵等等。這些都是比較經典的後市看跌信號。投資者可以結合實際情況在適合的場位進行做空。      技術指標:      1、當陽線第一次上穿布林線上軌時,後面遇到第一根陰線即可做空,這時候可以先小倉位嘗試或者觀察。      2、如果下一根k線繼續上穿布林線上軌,就要繼續觀察,直到第一根陰線出現才做空,這時候的操作必須要穩而且準。      雖然投資盈利主要靠多次交易的積累,但並不是要你在某一時段頻繁交易,無論是做多還是做空,都要堅持適度交易,確保每一個交易動作都符合安全規範,依靠技巧實現盈利最大。      外匯市場和股票市場有一個很大的不同點,那就是炒外匯可以進行雙向交易,無論做多還是做空都可以獲得盈利。炒股票的話,只能單向獲利。      我們可以舉例來說明這個問題,假如說當前的匯價是1000美元,投資人來進行分析的時候預計匯價會產生下跌的行情,那麼我們就可以在匯價為100的時候買跌,之後當匯價跌至950的時候,投資人就可以盈利了,數額為50點。外匯交易的時候,一手交易的利潤是100美金賺取50的點差,就是說此次交易的總利潤是5000美元。      為什麼做空也能賺錢呢?我們同樣來舉例說明一下,假如投資人現在是一家米店的老板,這時你認為在近一段時間內米價會下跌,所以投資人就先找同行借了10噸的米,然後把這些借來的米以當前的米價來賣掉。一段時間後,米價下跌了,然後你再以現在的米價買進大米還給朋友,這樣的話投資人不僅會賺到錢,而且原先的米還還給朋友了。外匯做空和這種情況差不多,投資者在通過做空賺錢的時候,就相當於我們上個例子中的米店的老板。      做空和空手套白狼一個意思嘛?      這並不是一個意思!      首先,"空手套白狼”在今天是一個貶義詞,比喻那些不做任何投資到處行騙的騙子所用的欺騙手段。這就好比早幾年你只要PPT做的好,口才好,把投資人忽悠得一楞一楞的,最後投資人就能把大把的資金忽悠到你的項目上來。雖然說也有投資成功的例子,但是大多數還是以失敗草草收場。本質上這些發起人只提供一個構想,但是他們本生並不擔什麼風險,風險都大部分都是由投資人來承擔的,就有點像空手套白狼的意思。      做空的意思是,做空是先借入標的資產,然後賣出獲得現金,過一段時間之後,再支出現金買入標的資產歸還。就打比方說你在鐵礦石合約1000的時候做空,等到鐵礦石合約900的時候平倉,這個時候你就賺了中間100的差價(不考慮交易成本)。但是首先你得有資本才行,也就是保證金。當你預判行情失誤的時候,受損失的差價就要在你的保證金裏扣,如果保證金不足或不及時補充,就會被強行平倉,所以說本質上發起人是在用自己的資金來承擔風險的。      所以說做空和空手套白狼在操作層面上是完全不一樣的! 來源:https://www.change888.com/news/29878.html 更多外匯相關資訊: https://www.change888.com/news/29876.html https://www.change888.com/news/29875.html
6 Warning Signs Entrepreneurship Isn’t for You
Introduction Being an Entrepreneur isn’t for everyone It takes years of hard work, consistent effort, work, planning, and learning to be a successful entrepreneur. It’s not guaranteed that you will succeed. Starting your business is easy but maintaining it is hard. Because according to data from the Bureau of Labor Statistics, as reported by Fundera, approximately 20 percent of small businesses fail within the first year. By the end of the second year, 30 percent of businesses will have failed. By the end of the fifth year, about half will have failed. You will definitely fail many times. But you have to consistently take risks and actions to succeed. Why Entrepreneurship isn’t for you? Why entrepreneurship isn’t for you? By knowing these points you can decide whether to start your entrepreneurship journey or not. #1 You Like To Stay In Your Confort Zone As an entrepreneur, you have to take risks frequently. If you are not willing to take any risks, you can’t be an entrepreneur. If you are thinking to stay in your current stage and be an entrepreneur, then you can never be an entrepreneur. You have to come out of your comfort zone. If you want to fulfill your dreams and want to get the most out of your life, then being an entrepreneur is not easy. You will fail many times, you also may be stuck in debt. So you have to be prepared for it. Entrepreneurship is not like your job where you have to do just a task 100 times, here you have to do many kinds of tasks. Being an entrepreneur will give you dozens of workloads. You have to design and develop the product as well as sell the product. At first, you will have workloads for which you have to skip your nights. The same thing is the job was easy, you just have to work in the given time. But if you want freedom then you definitely have to leave your comfort zone and if you are not willing to do that, entrepreneurship isn’t for you. To be successful, leaving a comfort zone is a necessity. Think of what was the last time when you took a risk or which scared you? If you can’t remember what is the last time you took a risk, then maybe entrepreneurship isn’t for you. But it may be if you learn how to take calculated risks and make calculated decisions. #2 You have the habit of Frustrating and Irritating Once you have stepped into entrepreneurship, you will have many responsibilities on your shoulder. You have many responsibilities, though, after some time, you can start delegating them. But at first, you will some pressure or stress. You will have the responsibility for your own destiny, as well as your organization your destiny. You will also have the responsibility for your whole team and your family. Also, you will have so much work to do, which will increase your responsibilities. Because of this, you may get frustrated and irritated. But as an entrepreneur, you could not throw out your anger in someone else. Most people’s habit is to get frustrated easily after work. And if you have this habit, either you have to change it or entrepreneurship isn’t for you. Entrepreneurship will brainstorm you. #3 You think this path is easy  It’s not going to be easy. If you think that you will shift from your current life journey to an entrepreneurship journey, and you will be successful. Then please don’t be a fool. It’s not going to be easy. This is the point you should understand well and always keep in mind that entrepreneurship is not easy. If you are going from employee to entrepreneur, it is not going to be easy. As per the U.S. Bureau of Labor Statistics (BLS) data, shows that approximately 20% of new businesses fail during the first two years of being open, 45% during the first five years, and 65% during the first 10 years. Only 25% of new businesses make it to 15 years or more. You have to do a lot of planning as well as answer a lot of questions yourself before starting your own startup. It is not easy, but if you do it will full dedication to learning and planning, then it will succeed. Before starting you have to adopt some qualities, and learn many things to high the chance of success. ---Know more: click
外匯投資入門教學:外匯是什麽?如何通過炒外匯賺錢?投資外匯的幾種方式
  外匯是什麼?      比如你想去美國旅遊,在旅遊前需要去銀行辦理把臺幣兌美元。 簡單的說,就是除了臺幣,其他的貨幣稱為外匯。而外匯交易就是貨幣的兌換—將A國的貨幣,按照一定的比率兌換成B國的貨幣。     如何通過炒外匯賺錢?      炒外匯就是利用各國匯率之間的浮動差價來賺錢的。在全球經濟一體化的背景下,由於各國的經濟、軍事以及地緣政治等各方面的因素的不斷變化,各國貨幣的價值也隨之產生變化,從而導致不同國家的貨幣之間匯率產生波動,出現高賣低買的外匯市場。      現在假設一年前1美金等於26臺幣;      小明用2600臺幣兌換了100美金;      再假設一年以後美元升值,1美金=28臺幣了;      那麼小明手中一年前購買的100美金現在就可以兌換成2800臺幣了;      滿打滿算小明賺了200臺幣。      看到這裏你應該就發現了,如果把美元比作是雞蛋的話,應該會說是雞蛋漲價了!不過這個過程中賺錢的前提是美元升值,如果美元在這一年當中貶值的話,那麼1美金一年以後或許隻能換回25臺幣,結果就是虧損了,就像雞蛋降價一樣。      接著上面的例子,我們先假設小明的投資方向是正確的,並且來年繼續看漲美元,現在小明準備大量囤貨美元,但是小明手上的臺幣隻夠兌換100美金,那麼如何通過炒外匯賺更多的錢呢?或許你想到了借錢。      借錢是一個好方法:      比如小明手上有2600臺幣,匯率是1:26,目前隻可以兌換100美金;      這個時候小明向小紅借了26000臺幣,兌換成1000美金,一共1100美金;      如果來年美元繼續升值,假設升值到1美金兌換28臺幣;      那麼小明就有1100*28=30800臺幣;      扣除2600臺幣的本金,還掉小紅借的26000臺幣;      小明還賺了2200臺幣。      這是理論的舉例,因為沒有計算小紅資金的年利率。另外還有一個很關鍵的問題沒有考慮,就是風險控製。   假設美元未來一年沒有升值,如果貶值到1美金兌換25臺幣,小明怎麼辦?最終變成了27500臺幣,不但自己的錢沒了,小紅的錢也不夠還了。所以作為小紅我才不借錢給你呢?賺了沒我的,虧了你又還不起,圖個啥啊!      但是聰明的小紅並沒有直接和小明說不借了,而是在苦思冥想:如果可以控製好自己的風險,另外再收取一定的費用,那麼我的錢也是可以借給小明用的,對於小明來說融到資金了,對於我來說沒有風險還可以賺點傭金,豈不妙哉!      第二天小紅來找小明,說我要借錢給你也可以,但是有一定的附加條件。首先你需要拿出一部分資金,這部分作為保證金,然後我可以拿出一大部分資金給你使用,但是需要從你這部分資金當中直接扣除一些費用,小明聽過有些疑惑。      舉個例子給你聽吧:      你拿出1000臺幣;      我借給你1W臺幣;      先不管以後你是賺是虧,隻要你借了我這1W塊錢,我就得先從你這1000塊錢當中拿100塊錢作為傭金;      也就是你最終會有10900臺幣去兌換美元;      如果美元下跌的話,當你的900塊錢虧損完的時候;      我就要停止借給你10000塊錢了;      但是如果你自己繼續補充資金彌補虧損的話,1W塊錢還是可以繼續給你用;      總而言之,不能虧損到我的1W塊錢那部分。      當然,如果一年以後就算美元漲到1美金兌換50臺幣,賺的錢也都是你的,我一分錢也不會多要。      小明聽完想了很久,感覺好像還不錯,又感覺哪裏不對,但是說不出來,最後還是愉快的答應了小紅的要求!      後來,由於市場活躍度的提高,小明每次交易也逐漸頻繁起來,每筆交易的時長從一年轉變為幾乎每天都有新的交易。並且隨著其他國家經濟的興起,交易的品種也開始增多,不僅僅是美元,還有歐元、英鎊、日元等貨幣也都開始交易起來。      以美元為中心貨幣,不但可以做多,還可以做空其它貨幣。看美元要漲就買美元,看美元要跌,就拋出美元換成歐元,忙得小明不亦樂乎!      與此同時,小紅與小明之間的借貸規則也在不斷的發生變化。起初約定每筆交易是一年,但後來交易頻率不斷提高,小紅提出,隻要一筆交易結束,借的錢必須還回來,再借一次才可以繼續使用,並且每一次交易都要收取一次手續費。      小明也提出要求,要手續費也可以,但是你借我的錢太少,影響了我獲利的效率,我需要更多的資金。小紅想想也可以,反正不會虧損我的錢,但是Jerry又擔心如果借出去的錢太多,小明要是跑路不還可怎麼辦?      小紅為了保住自己的錢,說到:增加資金給你也行,不過交易所用的資金要放在我這裏才可以,我還是隻收手續費,盈虧都是你的,你需要錢的時候從我這出金就可以。      小明這個時候就不願意了,那你要是卷走我的錢怎麼辦,如果我賺錢了你不給我又怎麼辦?小紅想想也有道理。正在兩難的時候,山姆大叔路過,山姆大叔是當地大家公認的有名望的人,看到他們爭吵,就對他們說,我聽到了你們的爭論,問題可以這樣解決:      讓小紅在我這繳一部分的保證金;      我給他一個可以持有他人交易保證金的許可證;      並且讓你們的錢都放在銀行;      我來監管這個資金賬戶;      裏面的錢隻可以用來交易,或者你們自己存取,不可以作其它用處;      如果小紅違規,則扣除保證金,或者賠償小明的損失,並且取消他的許可證。      這個提議通過第三方的監管,既保證了雙方的利益,也不用互相懷疑了,很快得到雙方的認可。隨著規則的不斷優化,小明和小紅都得到了各自的利益,周圍的人看到之後,也逐漸開始參與進來。      有參與交易的,有提供資金的,逐漸的形成了一個成熟的外匯交易市場,通過市場競爭,參與交易的獲得了越來越好的交易環境和低廉的交易成本,提供資金的逐漸形成了平臺商,獲取了更多的客戶。      當然,以上故事純屬虛構,主要為了說明外匯交易的形成過程和如何通過炒外匯賺錢。其中小紅的角色就是現在的外匯交易平臺商,她起初借給小明的錢就是所謂的杠桿,專業說法是為小明提供流動性。而小明自己拿出來那部分的資金就是保證金,也就是現在常說的外匯保證金交易,山姆大叔自然就是現在各國的政府金融監管機構了。      目前外匯保證金交易中的平臺提供的杠桿以及客戶的保證金,與上面的例子中提到的還是有一些不同的地方,因為現在的客戶在交易的時候是不可能與平臺進行協商借多少錢來交易的,建立固定的交易模式就很必要了。      投資外匯的幾種方式?      想要投資外匯,主要有下面幾種方式:      1、直接兌換貨幣、外幣定存      2、外匯保證金交易      外幣定存      假如你看好某個貨幣未來的走勢,該外幣的利息較高,那麼你可以買入後持有,收取利息或是等到匯率滿意時再賣出。      這種投資方式的成本非常低,就是兌換貨幣時銀行的匯率差而已。      這種方式的好處是收益穩定、成本低,缺點是收益低,就是一般的外幣定存。      外匯保證金交易      聰明的你應該有發現如果隻做外幣定存,如果沒有很大的本金,獲利是非常低的。      因為一般我們能交易到的外匯如美元、日元、澳元、加元都是匯率相對穩定的貨幣,所以變動都比較小。      於是外匯保證金交易就誕生了,      這種方式的好處是杠桿靈活、不需要大資金也能上手、成本低,缺點是因為提供了杠桿,風險與收益都會同時被放大,需要仔細操作。 文章來源:https://www.change888.com/news/29849.html 更多外匯投資相關信息: https://www.change888.com/news/29850.html https://www.change888.com/news/29847.html