April 5, 2019, 1:04 pm

Road To Good Credit Infographic

by: The Financial Blogger    Category: Uncategorized

Your credit score is extremely important, in fact, it’s an asset that you can leverage to get the best finance deals. So, if you’re in the market for a house, a car or even a personal loan, you want to at least consider your credit score and what influences it. If you have a near-perfect score then you can proudly join a very select club.

However, it’s not uncommon to have a less-than-stellar score, and it’s surprising how many people out there don’t really know what a credit score is, let alone what influences it.

Credit reference agencies store details of your credit score in your credit report, and every time you apply for car finance, a mortgage or any type of personal loan, this financial record is accessed by lenders which gives them information on how you handle your credit.

So, if you’ve missed payments on your phone bill that will show up and potentially influence a lender. If you’ve defaulted on a previous loan for example, this will leave a mark on your report. Likewise, if you always meet your contractual obligations then this will be reflected as well.

This makes sense if you think about it, going with car finance as an example, if a lender is going to let you drive away in a car worth thousands of pounds, they want to make sure that you’re a responsible borrower and you’re not a risk for them to lend to.

Fortunately, even if you have bad credit, there are specialist lenders out there who can help you. Check out this comprehensive guide to bad credit car finance if you’d like to learn more about bad credit.

The infographic below details some simple steps you can take to improve your credit score and ensure you’re doing things the right way. Staying on the road to good credit will open you up to the best finance deals.

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March 12, 2019, 8:08 am

A Detailed Look Into World-Renowned Metatrader 4

by: The Financial Blogger    Category: Investment, Market and Risk

Before Metatrader came into fruition, trading was an advanced process requiring plenty of manpower plus attention to detail.

Indeed, the realm of forex was an intricate pattern involving dozens of trading conglomerates, stocks, organizations, and monetary systems located in different parts of the globe.

This rendered the trading domain mainly to banks, corporations, as well as enterprises that had the financial muscle to keep tabs on all subtle shifts in the stock market.

But when MT4 came, everything changed…

This complex software allowed the connection of multiple trading systems, as well as providing individuals with the ability to trade via a smartphone or a computer.

Today, the software has become extremely common among traders in Forex who can now select the ideal broker they wish to trade with; as long as there is compatibility with the forex platform.

Nevertheless, there are situations where compatibility falls short.

In such cases, MT4 will act as an avenue of connection with the broker one selected in the same system.

In this segment, we will be focusing on Metatrader 4, analyzing subtle particulars concerning the software.

What does Metatrader 4 Entail?

With more than a decade to its name, MT4is hands-down the most utilized software when it comes to trading in the realm of Forex.

Thanks to having a secure system, compatibility, and extensive features, the software has made day-to-day transactions seamless for both novice as well as professional traders.

MT4 utilizes a MetaQuotes language (MQL).

The special type of programming relies on a series of instructions that system-integrated to execute decisive interchange strategies, study data, as well as execute automatic trading.

Functions of MQL4 Language

There are diverse sections of MQL4 with a myriad of functions as follows:

Libraries

MQL4 has a myriad of libraries where one has the ability to save customizable functions for selective use throughout the program.

Scripts

If you can recall any bit of computer programming, these are entities used to handle tasks at the commencement of a particular action

Nevertheless, utilizing MQL4, one should note scripts do not permit multiple operations to be executed simultaneously.

Other functions of these scripts include permitting the creation of orders when the markets are shut, importing as well as exporting data, managing one’s operations, while also helping one determine their threats.

Custom Indicators

These are entities one crafts by taking advantage of the MetaEditor.

MQL4 has 30 indicators that it comes with.

They are used to analyzed current standings in the world markets plus determine subsequent steps to favor trading enthusiasts.

Expert Advisors

They are also called commercial machines. In other words, these programmed functionalities help trading enthusiasts evaluate the world of forex and formulate strategies in real-time regarding a pre-determined occurrence.

Thanks to EAs, one is able to synthesize their applications, or further retail the apps to markets that specialize with metatrading.

Benefits of Using Metatrader 4

The main benefits of using MT4 are as follows:

  • It is a freeware. Hence, one can easily download metatrader 4 software via the main website.
  • It can be an essential tool to minimize risks when one is trading in volatile markets.
  • A user can make multiple configurations to the program to maximize their profits.
  • Utilizing EAs will enable one come up with ideal investment tactics.
  • Additionally, MT4 gives you a detailed account of your trading history to monitor all your previous movements and to implement effective strategies for future trades.

In a nutshell, Metatrader 4 is essential for Forex traders who would love to capitalize on fluctuations in the market. With MT4, one can trade seamlessly in metals, indexes, stocks, and bonds.

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March 11, 2019, 8:35 am

Top Websites for Freelancing Services

by: The Financial Blogger    Category: Business,Make Money Online

Working remotely continues to be a growing trend among millennials, but despite a massive number of freelancing websites, most of them do not manage to make their dreams come true and get rid of a boss. On the other hand, maybe some people among you need to find someone to work for them, in various fields and niches, and struggle with that.

That is why today we’ll discuss a few important and popular freelancing websites which both categories mentioned above can use, especially if their field of activity is related to marketing or advertising.

People Per Hour  

There’s no doubt that People Per Hour is one of the most famous online freelance marketplaces. If you want to find new ways to advertise your services and expertise, PPH hosts a wide range of freelance jobs categories, like marketing & SEO, social media, design, development and IT, writing, banners creation and advertising (like on marketplaces such as Clicksdealer.com) and many others. We must mention, however, one of the downsides of the platform, which is related to handling fees, which aren’t low. Despite that, if you want to advertise your services, on PPH, you can find a lot of experienced professionals to help you.     

FlexJobs

Although this freelancing service is not free, FlexJobs is one of the most well-curated websites for people who want to search remote and flexible gigs. Since it is not free, you won’t need to worry about scam posting or anything shady of that kind. The company is constantly reviewing and monitoring new posts, making sure they’re 100% legit. The opportunities posted on the website cover a wide variety of domains, including computer & IT jobs, marketing, art & creative and much more. 

Upwork

The combination of once two of the leading freelance platforms in the online world – oDesk and Elance, now called Upwork, is currently one of the biggest marketplaces for freelancers. They have more than 12 million freelancers, 5 million clients, and more than 3 million freelance jobs are posted on the platform each year. Like People Per Hour, the biggest downside of Upwork is that it takes 20% of your revenue. However, you’ll have the opportunity to get in touch with a lot of big companies and brands, establish relationships, and then work directly with them.

Gigster

This one is a tech-oriented website, where you can find software engineers, web designers, app developers and many other talented professionals who can help you with your tech-related tasks and projects. What’s interesting about Gigster is that the platform uses artificial intelligence to match freelancers with newly-posted projects, in order to ensure both the clients’ and the freelancer’s satisfaction from the process and overall service.        

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March 4, 2019, 9:40 am

Everything You Need to Know About Short Term Loans

by: The Financial Blogger    Category: Banks and You,Personal Finance,Uncategorized

Getting rid of several debts can be taxing, especially if someone doesn’t have the right funding to get the job done quickly.

Here are just a few situations where it might be a good idea to consider obtaining short term loans:

  • Need to pay off a hospital bill as soon as possible.
  • Emergency surgery or procedure that needs to be paid before scheduling.
  • Got into a fender bender and need repairs completed quickly.
  • Need to pay a utility bill before service is cut off!
  • Pay off a ticker or legal fees.

There are hundreds of reasons why someone might not have the money they need for these unexpected situations!

Not everyone has money lying around for emergencies, and that’s okay! Short term loans provide much-needed funding for qualified individuals. Approval could be obtained in as little as a few hours—maybe even less.

What’s even better is that a person could expect to acquire the cash they need the same business day they apply (depending on the lender).

In general, short term loans are a type of emergency loan for those that need money with little hassle. But what short term loans are there for inquirers to consider?

Types of Short-Term Loans to Consider

If anyone is searching for a short-term loan, they may have browsed online or looked at their local newspaper. While short term loans are a popular form of funding, companies call them a variety of different names. However, most loans function the same.

Here are some popular types of short-term loans. Go ahead and see which one works for you and your current financial situation!

Payday Loans

Payday loans, also known as fast cash loans or a cash advance, provide borrowers with cash or a check (depending on their preference), and are one of the quickest ways of acquiring emergency funds. However, payday loans are tightly regulated depending on the state.

If a state offers regulated payday loans, borrowers may only be able to obtain less than $500 or up to $1,000. So, if a borrower needs more than those amounts, they should expect to look elsewhere.

Making payments on these short-term loans is fairly simple. Typically, when a borrower gets paid, that’s when the payday loan will need to be repaid. In short, a borrowers next paycheck will go towards paying off the entirety of the loan—including any interest fees.

It’s important to mention that rollovers are an option for individuals that choose to get a payday loan. Rollovers are extensions offered by payday lenders. They offer borrowers more time to repay their loan but are a pain. Every paycheck from that point onward will keep disappearing until the payday loan is fully paid off.

As a word of caution, payday loans are a good financing option in terms of fast cash, but only for small amounts.

Auto Title Loans

Auto title loans are a type of secured loan. And like other short term loans, borrowers don’t have to wait long to obtain their funds!

The amount provided with auto title loans is a lot higher than other short term loans out there. However, that amount is based on the market value of a person’s vehicle.

The reason for this is because an auto title loan is a secured loan. With a secured loan, collateral is used to “secure” the money and ensures that the lender will receive their money back in case a borrower cannot repay.

For auto title loans, a borrower repays the loan through monthly payments. Typically, this takes 12 months or less. Most lenders let customers pay off the entirety of the loan anytime they please before the loan term ends.

However, title loan lenders also emphasize that any late payments or defaults on the loan will result in repossession of the vehicle. For this reason, borrowers should try their best to remain on top of their monthly payments.  

Installment Loans

Many lenders may advertise installment loans, but most loans are technically installment loans. An installment loan is any loan that follows a monthly repayment plan. These short term loans usually take a few months (12 months at most), depending on how much is borrowed.

Most installment loan lenders may even approve inquirers with little or no credit. But be warned! Rates may factor into that credit score and could leave someone in even more debt by the end of it!

Line of Credit

A line of credit acts like a credit card and could provide a convenient and simple form of funding. Depending on who’s offering that line of credit, a customer usually must pay off whatever they end up using and are given a max cap of credit to use.

Like other short term loans, a line of credit works mostly the same, but the amount of credit is based on credit history, income, and other factors.

When to Use Short Term Loans

These are just a handful of loans that fit under the ‘short term loans’ category. Just to recap, here are some advantages that all short term loans tend to have over traditional bank loans.

  • Shorter Time to Pay Off: Short term loans need to be paid off usually within a year or less. Having short repayment terms means rates may be less and paying off the loan sooner doesn’t seem as daunting. Other types of loans, such as mortgages, last more than 12 months!
  • Fast Cash Loans: Short term loans are less risky compared to longer term loans because of that shorter maturity date. That underwriting process becomes shorter as a result, and lets people acquire money the same day, or even the next day!
  • Easier to Obtain: Considered the lifesaver of emergency loans in the financial world, short term loans are there for people who may not have very good credit or meet the other minimal requirements of a long-term loan. This makes it easier for almost anyone to acquire the money they need!

Even with all these advantages, short term loans should be used responsibly and not taken lightly. They can really be a pain in the wallet if they aren’t paid sooner rather than later!

So those in need of quick, emergency funding who would like to experience the advantages listed above should consider short term loans.

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February 21, 2019, 3:41 pm

7 Ways You Can Earn Points for Money on Swagbucks

by: The Financial Blogger    Category: Make Money Online

Most internet users are well aware of the various get rich quick scams that continue to flood the web. In efforts to not fall into the trap of money making scams, you may avoid websites that promise its users money. While there are some scam sites out there, there are also websites that actually offer users a way to make money.

Swagbucks is one of the most popular money making websites today. Users can complete all sorts of tasks in order to earn points, known as SBs. These points can be redeemed for a variety of rewards, including gift cards and money that is paid out via PayPal.

Are you unsure about using the site? Swagbucks reviews prove that it’s not a scam. Keep reading to learn how you can earn points for money!

1. Take Surveys

Swagbucks is most known for giving users points for taking short surveys and polls. There aren’t too many other ways that you can get paid for simply providing your opinion.

If you’ve got plenty of time, you can earn some serious SBs by completing surveys and polls. These tasks can range from 3 to 20 minutes to complete. Surveys can pay 40-100 SBs, depending on the topic and length.

Users can also earn SBs by completing the daily poll. While it’s only 1 SB, it literally takes a few seconds to complete.

2. Watch Videos

Watching videos is another way that you can earn SBs. While the payouts aren’t as high as other tasks, you’re earning points to be entertained. Who could complain about that? You can expect to earn 3 SBs for each video that you watch.

On Swagbucks, there’s a variety of videos to watch, including news content, sports, advertisements, and even viral clips. If you aren’t interested in the video but want to earn the points, you can allow the video to play in the background.

This way you earn SBs without forcing yourself to watch something you don’t want to see.

3. Go Shopping

You read that right! Online shopping can earn you some serious SBs. Most offers earn you 1 SB for every $1 you spend. However, there are some retailers that will earn you 2 to 3 SBs for every $1 spent.

All you have to do is go to the shopping portal on Swagbucks and click the retailer that you want to purchase from. On the portal, you’ll find some of your favorite shopping spots including:

  • Amazon
  • Walmart
  • Kohls
  • Macy’s
  • Groupon
  • JC Penney

While you don’t want to purchase things just to earn SBs, when you do make an intentional online purchase, definitely do it through Swagbucks.

4. Use the Swagbucks Search Engine

If you’re like most people, you use Google or Bing dozens of times throughout the day. From looking at the latest fashion trends for the upcoming season or searching for recipes, search engines make finding information extremely convenient.

Wouldn’t it be nice if you could be rewarded for doing something as simple as searching? Swagbucks also offers a search engine, that is maintained by Yahoo!, that allows you to search for anything and everything.

By making the Swagbucks search engine your default choice, you can earn points for simply searching. You can expect to earn 10-20 SB for every 10 to 20 searches.

5. Play Games

Similar to watching videos, you can be entertained and earn SBs by playing games on the portal. If you love trying out new games, this is the task for you! You can earn up to 10 SBs per game, just for trying it out.

Depending on the game, you may have to reach a certain level before you earn any SBs, so be sure to find games that you’re interested in playing.

6. Download Apps

These days there are millions of apps. From social apps to marketing to banking to fitness, there’s no shortage of programs designed to make life a little easier.

On Swagbucks, you can earn between 15-50 SBs for downloading, installing, and opening certain apps. You can download them to your phone, tablet, or laptop.

If you download an app that you don’t like, you can just delete it and still earn SBs. The site also offers SBs for downloading paid apps, which can range from 150-500 SBs.

7. Refer Your Friends

Paid referral programs are quite popular these days, and Swagbucks’ referral program doesn’t disappoint. Once you realize just how awesome Swagbucks is, you’ll definitely want to tell your friends and family members all about it.

Using your unique referral link, you will earn 500 SB for referring people you know. You’ll also earn 10% of your friends’ SB earnings. This is a passive and truly effortlessly way to earn SBs.

Conclusion

Swagbucks offers a variety of ways for users to earn SBs. As you accrue more points, you can trade them in for gift cards or for cash, which is paid out via PayPal. Happy earning!

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