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Abigail Powell

2 weeks ago

Investing Review: What Should You Invest In?

Investing Review: What Should You Invest In?

Stocks, bonds, bank accounts or IRAs? How do you choose?

 

With several types of investments to choose from and also thousands of sub-categories under them, finding the most suitable investment choice can be a daunting task.

 

First off, the main consideration in any long-term investing decision is the rate of return expected from it. At times though, investing in short-term investment can enhance your wealth even if the returns are not as high as you want them to be. You can select from among these common short-term savings vehicles:

 

Short-term savings vehicles

 

Bank savings account: The most resorted to savings medium availed of by people, which provides small returns but better than keeping your money at home where it could be stolen or spent easily.

 

Our company is partial to stocks as investment vehicles over the rest of the long-term choices since stocks have statistically provided the best rate of return in an investment. The most common long-term investing vehicles are as follows:

 

Long-term investing vehicles

 

Bonds: There are various forms of bonds. Also known as "fixed-income" securities, bonds generate a “fixed” or set income value each year when it is sold.

 

Stocks: Stocks allow an individual to own a portion of a company or business. A single stock share represents an investor’s proportional stake or share of ownership in a business.

 

Mutual funds: Mutual funds are vehicles which allow investors to combine their money to buy bonds, stocks,  or any vehicle the fund manager considers viable.

 

Retirement plans

 

Several special plans are intended to build retirement savings; and many of these plans permit an individual to transfer money directly from his or her paycheck prior to taxes. In support for this plan, companies sometimes match the amount transferred, or even a small portion of that amount, as their goodwill contribution to their employees’ future.

 

Individual retirement account (IRA): This type of plan lets you invest some money into a tax-deferred retirement fund – which means you will not be taxed unless withdrawals are made or before the fund matures.

 

Roth IRA: Unlike the previous IRA plan, this type of retirement account requires no tax payments up-front on contribution. Rather, it provides full exclusion from federal taxes when cash is withdrawn to purchase a first home or pay for retirement.

 

401(k): Employers provide this retirement savings vehicle, whose name is taken from the section of the Internal Revenue Code which allows it.

 

403(b): This is the nonprofit version of a 401(k) plan. Local and state governments also provide a 457 plan.

 

Keogh: A specialized form of IRA that serves simultaneously as a pension plan for a self-employed individual, who has the capacity to pay substantially higher contributions permitted for an IRA.

 

Simplified Employee Pension (SEP) plan: This is a special type of Keogh-individual retirement plan designed to allow small businesses to provide retirement plans (for their employees) that are slightly easier to manage compared to conventional pension plans. Either the employer or the employees can participate in a SEP.

 

Investing in stocks

 

Stocks deserve a closer look as they have been known in the past to offer higher returns compared to bonds and other vehicles. As mentioned, the investor becomes a part-owner of a company.

 

Common stock

 

The most common type of stock is, as expected, the common stock. The common stock provides an ideal vehicle for most individuals, since anyone can participate – whether you are young, old, discriminating or easy-go-lucky. There is practically no restriction imposed against anyone who wants to buy a common stock.

 

Different types of stock

 

Sometimes, companies can opt to focus the voting privilege of a company to cover only a particular type of stock, limiting the majority of shares to only a select group of investors. As an example, a family business seeking to raise capital by selling equity might create a second type of a stock which they already control and has, for instance, 10 votes for each share, while they release to others another type of stock that allows only a single vote per share.

3 months ago

Tokyo MK Taxi Group Transfer Services - Shiga MK What's New

Tokyo MK Taxi Group Transfer Services - Shiga MK What
3 months ago

Tokyo MK Taxi Group Transfer Services - Shiga MK What's New

Tokyo MK Taxi Group Transfer Services - Shiga MK What

Booking Information

 

Direct chartered at affordable prices! Airport transfer fixed taxi

Shiga - Itami · Kanagawa · Centrair Please leave pickups! Easy by smart delivery!

 

Taxi order

 

Approximately 21% more than others! Even in the daytime and early morning, the cheapest thing in Shiga is MK taxi.

Please also try relaxed Estima HV.

 

077- 526 -4141 (Yoiyoi)

We apologize for any inconvenience as we make a mistake.

 

 

Charges for charter sightseeing

 

Why not check out historic Komei Road? Recommended for entertaining and private.

* Reserved reservation is required for private use.

 

077-510-7261

We apologize for any inconvenience as we make a mistake.

 

A convenient way of riding a MK taxi

 

MK smart car delivery

 

Easy order from Sumaho App! Because you do not need to talk, you can order from the conference or from the train.

 

Automatic reception! Yobaru-kun

 

Your home / shops etc. "From now to the usual place 1 unit"! Because it is an automatic response, it also connects when call center is crowded.

 

MK only

 

It is convenient without looking for MK taxi!

From Mt. Ishiyama Station and Kusatsu Station, please use MK only.

 

3 months ago

Security and Risk Online - Visa Payment Card Details Guessed in Seconds by Hackers

Security and Risk Online - Visa Payment Card Details Guessed in Seconds by Hackers

Visa payment card details guessed in seconds by hackers, claims study

 

Cyber crooks can use computers to make multiple attempts to get confidential data without their illicit efforts being discovered

 

Fraudsters can take as little as six seconds to guess the details needed to hack a Visa debit or credit card, research has found.

 

Experts from Newcastle University said it was "frighteningly easy" to do with a laptop and an internet connection.

 

The hackers use a so-called Distributed Guessing Attack to get around the online security features.

 

It may have been the method used in the recent Tesco Bank hacking scam, which affected 9,000 customers and cost £2.5m.

 

The researchers found even if the cyber criminals made multiple - and unsuccessful - attempts to get payment card data, their efforts would not be detected.

 

It meant the scammers could systematically fire up different variations of security data at hundreds of websites simultaneously and, within seconds, the criminals could use a process of elimination to verify, via computer, the correct details of a card.

 

PhD student Mohammed Ali said: "This sort of attack exploits two weaknesses that, on their own are not too severe, but, when used together, present a serious risk to the whole payment system.

 

"Firstly, the current online payment system does not detect multiple invalid payment requests from different websites.

 

"This allows unlimited guesses on each card data field, using up to the allowed number of attempts - typically 10 or 20 guesses - on each website.

 

"Secondly, different websites ask for different variations in the card data fields to validate an online purchase. This means it's quite easy to build up the information and piece it together like a jigsaw.

 

"The unlimited guesses, when combined with the variations in the payment data fields make it frighteningly easy for attackers to generate all the card details one field at a time.

 

"So even starting with no details at all other than the first six digits - which tell you the bank and card type and so are the same for every card from a single provider - a hacker can obtain the three essential pieces of information to make an online purchase within as little as six seconds."

 

Responding to the study findings, Visa said: "The research does not take into account the multiple layers of fraud prevention that exist within the payments system, each of which must be met in order to make a transaction possible in the real world.

 

"Visa is committed to keeping fraud at low levels and works closely with card issuers and acquirers to make it very difficult to obtain and use cardholder data illegally.

 

"For consumers, the most important thing to remember is that if their card number is used fraudulently, the cardholder is protected from liability."

 

The study was published in the academic journal IEEE Security & Privacy.

4 months ago

Hawkfield Consultants Review: The Role of Art Gallery

Art gallery, without a doubt, plays an important role in the art industry. Many people do not possess in-depth knowledge on the role of art galleries in our society. Here is an overview of what an art gallery is and its importance in our society.

 

Art gallery offers a striking place where visitors can view and appreciate art. Various forms of visual arts are displayed such as paintings, sculptures, relics, pottery, jewelries with historical values and much more. Art galleries display art works to promote art and artists as well as to help and guide buyers in selecting art works that will suit their art preferences. A certain type of art gallery like Hawkfield Gallery offers a special type of service to their clients – to help them hunt art works that interest them and even help them bid at auction houses.

 

For those who are curious on the value of the artworks they possess, Hawkfield Gallery and its fine art consultants provides professional advice on how to appraise fine artworks, antiques and collectible items. Hawkfield Gallery gained experience and expertise in determining the value and quality of artworks by visiting auctions houses and antique shops. They use a sales comparison approach to value an artwork - comparing it to similar artworks recently sold or currently for sale on the marketplace. They also welcome artists to present their artworks and to help them determine its fair market value. Visit the gallery’s website to know more about their services and the list of artists they represent.

 

Art Consignment Agreement

 

Most art galleries work with artists on a consignment basis. Consignment is when you lend your artwork on the gallery and the gallery agrees to sell your artwork for a commission percentage. In some cases, engaging in a consignment agreement comes with a lot of risks as it may cause financial or ownership trouble down the road. Make sure to choose the right and trusted gallery that will represent your artwork. Hawkfield Gallery has gained an established reputation in the marketplace that will make you want to trust the gallery and its owner.

5 months ago

How to reject the shipment to certain countries

Consider an e-commerce website wants to set orders that will be shipped to certain shipping countries for manual review or reject it in order to reduce fraud orders. In this use case, let's say every transaction that has Malaysia set as shipping country needs to be rejected. FraudLabs Pro allows you to configure it using fraud detection rules.

1. Login to the FraudLabs Pro Merchant Control Panel.

2. Click on the Rules menu.

3. Add the new rule "Shipping Country". Set the condition to "Within" and pick "Enter Countries Below". Select "Malaysia" as the value.

4. Select the Reject action.

5. Click on the Add Rule button.

When there is an order that has set the shipping country as Malaysia, FraudLabs Pro will automatically filter and reject this order.

 

If you want to reject an order that has set Malaysia as billing country, you can do so by adding new rule.

1. Login to the FraudLabs Pro Merchant Control Panel.

2. Click on the Rules menu.

3. Add the new rule "Billing Country". Set the condition to "Within" and pick "Enter Countries Below". Select "Malaysia" as the value.

4. Select the Reject action.

5. Click on the Add Rule button.

When there is an order that has billing country set as Malaysia, FraudLabs Pro will automatically filter and reject this order.

6 months ago

Things to do in Singapore in 3 Days - Bacall Associates

Things to do in Singapore in 3 Days - Bacall Associates

Known as the Lion city, the Garden city and the Red dot, Singapore is one of the most popular tourist destinations of South-East Asia. So if you’re thinking of a short holiday not too far from India? Look no further than Singapore – the dynamic city-state, a short flight away from all major cities in India. A heady combination of Chinese, Indian, Malay and Western influences, Singapore is truly a cultural melting pot. Delicious food, high street shopping, contemporary arts – find all this and more. Here’s a three day itinerary to experience the best of Singapore.

Day 1

Book a direct flight to Singapore and try and get there early to make the most of your short vacation. Begin your holiday in Singapore’s cultural heart – Chinatown. Dotted with pagodas, mosques and shops, it is a bustling ethnic neighbourhood. You can take a walking tour of Chinatown or if your visit coincides with either the Singapore Heritage Festival or Mid Autumn Festival, you’ll have plenty to do. Shop for some ethnic products and artifacts here. Then, head to Kreta Ayer’s Food Street or to one of the trendy restaurants in Telok Ayer for lunch. Visit Orchard Road, Singapore’s shopping district, for high-end shopping in world-class malls housing multi-national brands. Orchard road gets it’s name from the all the surrounding orchards that existed during the 20th century. After rehabilitation, The Orchard Road is flanked by pedestrian shopping centres, upmarket cafes, coffee chains, nightclubs and hotels. It is also the official site of residence and office of the President of Singapore, The Istana.

Day 2

Head out to explore the city’s Civic District with its imposing buildings housing the City Hall, the Parliament House and Supreme Court. The Padang Cricket Club is also worth a visit. Then, head to see one of Singapore’s most important landmarks – the Merlion statue in Merlion Park. The park was initially designed to act as an emblem of The Singapore Tourism Board. Take your picture with this mythical part lion, part fish creature. The picturesque Marina Bay with its long promenade, the Marina Bay City Gallery and the 101-hectare Gardens by the Bay are other must-dos.

Day 3

Visit Asia’s only Hollywood theme park Universal Studios, and lose yourself in the magical world of movies. The state-of-the-art rides take you on a journey through Hollywood favourites including Shrek, Madagascar, Jurassic Park, Revenge of the Mummy, Transformers, Battlestar Galactica and many others. Stroll down Hollywood Boulevard and its Walk of Fame. With loads of restaurants and food courts to choose from, you will be spoilt for choice.