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If you own a home, your options for leveraging your equity are
numerous. Some homeowners choose to refinance their home and withdraw cash in
closure. This can have a dual purpose. You can lower your
interest rate, while acquiring a lump sum of money. Those who want access
For emergency cash, you can opt for a home equity line of credit. However, if you
are not interested in refinancing but need extra money, a home equity
loan can be the perfect choice.

What is a home equity loan?

A home equity loan is very similar to a personal bank loan. However,
Unlike personal bank loans that are hard to qualify for, you can get
a capital loan with good or bad credit. Lenders are more willing to
approve a home equity loan because the funds are secured by the property.
So if you have a low credit score, you can get a loan. of course, a
a low credit score can result in a higher mortgage rate.

When to get a fixed rate home equity loan?

Before applying for a home equity loan, carefully consider the
advantages and disadvantages. A home equity loan is a second mortgage. However
paying a monthly mortgage, she is now responsible for two
mortgage payments. The second mortgage is generally cheaper, therefore easier to
pay off.

Home equity loans are ideal for consolidating or eliminating high
Interest on credit card debts. In this way, you can pay your consumer
debt at a low fixed rate and within a specified time frame. House
Home equity loans are also useful when you have a large expense.

When to avoid home equity loans?

Although home equity loans are very tempting, avoid applying for a loan if
you can’t pay another bill. In some cases, a second mortgage can
improve your finances. By consolidating credit card debt, you can save
money every month. However, if you have difficulty paying
creditors on time, don’t get a home equity loan. Most likely you
You will also have difficulty paying the second mortgage. Therefore, you are placing
You are at risk of losing your home.

Can you really believe everything you read? When it comes to selecting skin care products, the answer may surprise you. There is debate as to whether products that contain all natural ingredients are really better than those that contain synthetic ingredients. With both sides of this issue taking a strong stand and issuing ‘official’ report after report, it is the consumer who most often gets lost in the maze of unsubstantiated marketing promises and supposedly ‘guaranteed’ results.

Are skin care products with natural ingredients better?

This seems to be the million dollar question, literally. Skin care manufacturers right now are spending millions of dollars researching everything from alfalfa to cassava in an attempt to not only gain a competitive advantage, but to get more dollars from consumers as well.

With marketing departments working overtime, skincare manufacturers are hard at work cleverly combining catchy phrases, flashy packaging, and testimonials from “experts” in the field of natural product research and development. The end results of these efforts are expensive moisturizers, cleansers, shampoos, masks, scrubs, and cosmetics that claim to work miracles on your skin, safely, and most importantly, naturally.

But are these claims true? Again, that depends on which side of the fence you’re on when it comes to supporting natural products versus synthetics. Before you take sides on this highly controversial issue, there is one very important fact you should know. The federal government has yet to define the guidelines and regulations governing the use of the term ‘natural’. That means marketers can use the term however they choose, regardless of the ingredients used in their products or the manufacturing processes used to produce those products.

Although a skin care product may contain natural products such as aloe or vitamin E, what you are not told is that the processes used to extract these components often use many synthetic materials. And even once the natural ingredients are extracted, they are often combined with synthetics like preservatives and stabilizing agents that help extend shelf life.

One of the biggest risks associated with using natural ingredients is the possibility of an allergic reaction. Many people have food allergies, so putting products containing plants or plant extracts on the skin can increase the risks of an allergic reaction. And even if a full-blown allergic reaction does not occur, natural ingredients often cause skin irritation or sensitivity. Focus more of your attention on putting natural ingredients in your mouth and not on your skin. One thing everyone can agree on is that eating a diet loaded with antioxidants and vitamins is extremely beneficial for healthy skin. The body is very efficient at processing natural foods and using the bloodstream to transport these nutrients to the skin.

Find a line of skin care products you trust and that works well for your skin type. Then become a loyal customer of that product line. Your skin will be happy as a result.

Pot Still Whiskey

Pot still whiskey is a whiskey that is made with a combination of malted and unmalted barley. It is considered to be the best kind of whiskey in the world because it is very difficult to make. There are a variety of different types of pot still whiskey that are available on the market.

Some of the more common types include single malt whiskey, blended Pot Stills whiskey, and patent whiskey. Each type is made with different types of grains and has their own merits. While you may be tempted to go for the most popular brand, you will be better off taking a look at some of the more interesting brands before you decide on a specific type.

Single Pot Still is a relatively new term. The term was created to allow distillers to avoid the tax on malted barley. Traditional Irish pot still whiskey is distilled with a mixture of malted and unmalted barley. This is similar to the way that single malt is made but it is made in a different process.

What Is Pot Still Whiskey?

A pot still is a still that uses a heated cylinder filled with fermented mash. It is normally a cylinder shape but can be in the form of a column or a reflux. Many distilleries use both of these.

Traditionally, the mash-moove was the most impressive. This is because mash-moving involves the blending of mature and immature whiskey. However, this is a process that is not necessarily used to make the most delicious whiskey. In fact, this is one of the most expensive parts of making whiskey.

One of the most important parts of making the mash-moving feat is the recipe. There are a number of different recipes that are used to make the mash-moving feat. These are often combined with raw barley, but can also be made with mixed mash bills. Depending on the distillery, there are a few things that the mash-moving feat is most likely to contain.

Using a mash-moving feat to produce a cocktail was a good idea but it was also an oversimplification. Basically, you would take the mature and immature spirit of a pot still whiskey and mix it with a neutral spirit. When a whiskey blender mixes the two, they pass off the mixture as a whiskey.

Although this is not a very good method, it can be a very effective method of producing a mash-moving feat. The key is to use the right materials and follow the right process. If you can’t do that, you won’t end up with the mash-moving feat.

Of course, there are many other mashes that you can mix and match to make your own cocktails. But if you want to be sure of the mash-moving feat, you need to know which type of whiskey is most likely to make the best mix. Here are some of the most popular mashes and the whiskeys that use them.

The mashes that are the most efficient are the ones that have the most significant impact on the finished product. For instance, a cocktail that combines three different kinds of whiskey is the best way to make the mash-moving trick work.

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“Should I sell?” asked my friend Megan.

“Did you see what happened on Friday?” asked my friend Justin.

After two months of going up, the stock market is going down.

My friends want to know, is this “the end”?

“The end” to them means the stock market is going to crash.

As happened in the stock market crash of 2008.

Everyone now wishes they had sold in October 2007, when the markets peaked.

However, an even greater number now wish they had done something else.

Because after the markets crashed, they bottomed out in March 2009.

Then they started to climb… and never stopped.

This stock market behavior was so unexpected that it put most investors out of the market. Every time the market hits new highs, these people get “fear of missing out” anxiety.

This includes many wealthy and even sophisticated investors.

In fact, whenever the stock market goes through a period of decline, most investors expect it to crash because they have missed it.

Is this the moment to vindicate these investors who have been lost and left out?

A recipe for a huge bull market

No. There is little chance of a crash at this time.

The reason is because the things that support the market aim higher.

Those things are future sales and earnings.

According to FactSet, earnings estimates hit their highest level of positive revisions in 16 years this quarter.

Broken down by sector, 10 of the 11 sectors posted an increase in their bottom-up earnings estimates in January.

That means analysts covering almost every sector of the market say that business conditions are incredibly strong right now for companies.

When you look at interest rates, they are still low. When you consider how strong business conditions are, inflation is still subdued. Globally, all of the world’s major economies are growing.

Trading conditions around the world have not been this good in decades.

Solid earnings, low interest rates, subdued inflation, and global growth are a recipe for a huge bull market.

Is this the next stock market crash?

This is what I think is going to happen.

If you’re a regular reader of my articles, you know that I think the Dow Jones Industrial Average will hit 50,000 and then continue to go higher.

I have been saying this since early 2016.

Now, the stock market may go a little lower. However, it will go back up and then continue to go up.

In short, a stock market crash is not coming.

Yes, there is no doubt, seeing their shares fall is painful.

However, here’s what I know from 25 years of investing experience: You’ll never make a lot of money, hundreds of percent in profit and even thousands of percent in profit, unless you push through times like this.

It’s time to buy

Now, if you have cash and want to avoid FOMO when the market keeps going up…you should go ahead and start buying.

Focus on stocks related to the big megatrends of our time: Internet of Things, precision medicine, new energy, fintech and the rise of millennials.

These are the stocks that I focus on because these stocks have the most potential for growth. And I think they will give you the biggest gains as this bull market in stocks continues.

It is often said that in a negotiation, knowledge is power. One vital piece of information that will give you great insight is understanding your provider’s break-even point. This is because once your provider is operating at a level that is above their breakeven point, any new business will only attract marginal costs and is therefore very profitable for the provider.

Before you’re ready to look at a vendor’s breakeven point, there are a couple of concepts you need to understand; those of fixed costs and variable costs.

Fixed costs, as the name implies, are costs that do not vary with the volume of activity. For example, in a manufacturing company that makes widgets, the rent for the premises will remain the same regardless of how many widgets are produced. Similarly, in a service business such as a travel agency, the manager’s cost remains the same no matter how many holidays are sold.

Variable costs, on the other hand, change with the volume of production. When manufacturing widgets, material costs will vary in proportion to the number of widgets produced.

Semi-variable costs are a combination of variable and fixed. An example of a semi-variable cost is that of a supervisor. Your costs would normally be treated as a fixed cost, but if production levels are high, overtime may be required and this would provide the variable cost element.

The total costs are obviously the sum of all three.

Now that you’re familiar with these types of costs, you’re in a position to understand an important concept when analyzing a vendor’s costs: break-even analysis. Draw a break-even chart by first plotting the fixed costs. Since this does not vary with the output, it is a horizontal line. Variable costs have a gradient that is determined by the cost per unit of production. Adding these two costs together gives you the total cost.

If you now draw the sales line, the point where the total cost line and the sales line intersect is the break-even point. In other words, it is the level of production at which the value of sales equals total costs. With production below this level, the supplier loses money. Above, the provider makes profit.

This can be very useful information to have in a negotiation. For example, if the supplier is currently operating above its break-even point, the additional sales will have a large impact on the bottom line. To be specific, if the supplier’s variable costs are 30% of the value of sales, then for every sterling pound of business they get above their breakeven point 70p is additional profit. You can negotiate with a supplier to share this…still giving them a profit but also giving you a discount.

A real win-win!

With Dubai World struggling with massive debt repayments, particularly for its subsidiary Nakheel PJSC, its debt holders are in conflict over how to enforce payment obligations. Under Nakheel’s sukuk (Sharia-compliant bond), if Nakheel defaults on his debt, lenders would simply foreclose on the sukuk’s collateralized assets. Given that Dubai had no proven foreclosure law prior to the sukuk’s payment date of December 14, 2009, it would be a monumental task to complete a foreclosure, particularly against a company controlled by the Ruler of Dubai. Also, given the value of the underlying assets, which are much less than half the value when the sukuk was issued, banks would be better off not taking land that is currently undeveloped and saddled with massive claims by contractors, consultants and vendors. .

Although it is a practical (and naive) impossibility to assert personal claims for Nakheel’s debt against the Dubai sovereign, the often-cited but rarely applied legal principle of “piercing the corporate veil” deserves scrutiny. Nakheel is a private limited company under Dubai law. Its original share capital was paid for by Dubai World and developable land was donated by Sheikh Mohammad to start Nakheel’s ambitious agenda. Nakheel parlayed this land, along with receivables from land sales for development and real estate, into a massive real estate conglomerate. To raise capital, Nakheel entered the international financial markets and borrowed more than $5 billion US dollars.

However, Sheikh Mohammed did not operate Nakheel as a separate legal entity through which he could only exercise shareholder control from the point of ownership of the parent corporation of Dubai World (a corporation created by decree of the Ruler). Instead, His Highness often made management decisions as ultimate shareholder (part of the “transparency” problem creditors face) without corporate resolutions and without regard to Nakheel’s best interests. As an example, during 2007, when Jumeirah Park, a primarily villa project with approximately 2,000 villas for sale, was launched, Sheikh Mohammed ordered Nakheel’s head of sales and marketing to transfer 300 villas to his five sons, 60 villas each. In addition to taking over the construction costs of the villas, Nakheel was mandated to buy back 150 villas at full introductory price. Taking into consideration the value of the villas at the time of transfer, construction costs and loss income, the transaction value was approximately $300,000,000. This transaction financed his son’s companies, such as United Holdings and Zabeel Investments. It in no way benefited Nakheel and hurt Nakheel’s financial situation. In addition, many of the development plots on Palm Jumeirah Crescent were also given away to entities owned by the sheikh’s sons, or to those with privileged status. Since the sale value of each parcel was AED 100,000,000, the total parcels given away were over USD 100,000,000.

If the same transaction were to be concluded and we removed His Highness and his children from the equation, wouldn’t at least one creditor try to lift the corporate veil and seek relief against the shareholder for the values ​​of the underlying transfers? Such an action, if successful, would bring the shareholder’s other assets into the equation. In this case, the crown jewels of Dubai. Under UAE business law, can management or shareholders acting in the role of management be held personally liable for the debts of a corporation? In certain situations, the answer is yes. However, this situation worries the sovereign and changes the nature of the legal analysis.

As you get older, you begin to notice that along with a host of health problems, you also show signs of old-age dental problems.

You may be starting to realize that you may have been neglecting your teeth all these years and now is the time to deal with those stubborn dental problems while they can still be fixed.

In this article there are two areas that you may want to focus on. You must first ask yourself if I am experiencing any of the common dental problems that older people face. If so, where can I find affordable dental coverage that allows me to go to the dentist when needed?

What are some of the common dental problems to be aware of?

1. Are you noticing any yellow around the edges of your teeth? Plaque is probably forming. In its early stages, plaque isn’t all that harmful, but if left alone, it can lead to some serious dental problems.

If you’ve been diligent over the years with brushing, flossing, and rinsing, that’s been your best defense against plaque buildup. But beyond those good dental habits, most people don’t realize the importance of regular cleanings at the dentist. Twice-yearly cleanings at the dentist can stop plaque in its tracks.

2. Tooth sensitivity is an irritating dental problem for many seniors. Due to the large number of medications, most seniors do not realize that sensitivity can be a side effect of some medications.

Tooth sensitivity can be painful for some older people. This is due to erosion of the enamel over the years, which can expose the underlying nerves under the enamel.

The best action you can take on your own is to brush your teeth with a fluoride toothpaste and use a fluoride mouthwash every day. If you still feel pain after a period of time, it’s time to visit the dentist.

3. Bleeding gums should be a particular concern for older people who experience this dental problem. This condition can be a predictor of more serious health conditions, such as diabetes and heart disease. It can also progress to a more serious dental condition called periodontal disease.

All seniors should be on the lookout for bleeding gums and make an appointment with the dentist to be sure.

Do you have an affordable dental plan that allows you to go to the dentist regularly?

As you can see in our discussion of common dental problems experienced by older people, any dental problem should alert you to the dentist to be sure of your overall health.

You may have dental coverage through your Medicare Supplement or perhaps with your Medicare Advantage Plan, but found that you simply aren’t paying enough of your dental bill. You can even have a dental insurance policy, although it is much better for paying dental bills, the cost of owning it is too high.

There is an alternative dental plan that could easily be used as a senior dental plan. It is becoming very popular because it pays a reasonable part of the dental bill but at the same time it is very affordable.

It’s called a discount dental plan that is offered through some of the largest dental insurers in the country. As you examine the plans, you will recognize the names of many of the companies listed.

I think it would be worth your while to see what they have to offer in terms of how much they will pay for dental procedures and how affordable the plans are.

As you read some more I’ll explain how you can do this.

Main Eras in Fintech History

Fintech is a term used to describe a new generation of financial technology. This includes applications for payment systems, online investment, and lending. A few examples include crowdfunding platforms, P2P lending, mobile payment, and cryptocurrencies. These apps are designed to facilitate the flow of money, improve capital allocation, and help consumers manage their finances.

Before the global financial crisis of 2008, the finance industry had been advancing rapidly. A number of technological developments had helped to advance the financial sector, including the development of credit cards, electronic transactions, and the Internet. This has helped to expand the reach of the finance industry, enabling it to serve a larger customer base. However, the financial crisis of 2008 posed a serious threat to the financial industry, as it triggered a global economic downturn. It also reshaped the way businesses operate and how people manage their money.

Banks and other financial institutions began to adopt technology in order to increase efficiency. This included the establishment of SWIFT, a communication protocol that is widely used between financial institutions. It also enabled the transfer of financial data across borders. It also allowed financial institutions to offer a variety of services under one roof.

What is fintech

The rise of smartphones and the internet have further transformed the financial industry. They have also led to the development of payment apps, which allow customers to perform financial activities without visiting a traditional bank. These applications have minimal transaction fees. These are important features that have contributed to the growth of Fintech.

What Are the Three Main Eras in Fintech History?

In the past, the majority of the world’s banking services were offered by financial institutions. These firms provided the basic functions of trading, loans, investments, and mortgage services. But the public began to distrust them. The financial crisis of 2008 caused the downturn in the economy, and many financial experts lost their jobs. In response to this, many financial institutions started to change their business strategy and focus more on customer needs.

Benefits of Fintech

Fintech was born out of the need to improve the delivery of financial services. These innovations have impacted both the traditional banking and trading industries. Those in the industry are now competing with the startup fintech companies for market share. The future of fintech is looking bright, as more fintech startups enter the marketplace. The overall market share of the sector has been relatively small, but it’s expected to grow significantly over the next decade.

fintech history

There are three main eras in the history of fintech. These are the early, mid, and late stages. The first era, which is characterized by the rise of technological advancements, is marked by the introduction of PayPal and other digital payment platforms. The second era was marked by the development of electronic money and electronic transactions, and the third era is characterized by the rise of cryptocurrencies. These technologies have been instrumental in bringing financial savings of unbanked individuals into the financial system.

As the industry continues to develop, it is likely that Fintech will be further shaped by the next generation of technology. For example, the growth of roboadvisors, chatbots, and artificial intelligence will enable ordinary users to access and manage their money. It will also help to streamline staffing and reduce costs.

Investment Plan for your Retirement

There are so many investment plans available out there. The following points will guide you in choosing the right one for you with fewer risks and commitments to manage. The points are based on the fact that, after a while, they will be appreciating business ventures for their retirement.

1. Annuity

An annuity is a plan whereby an insurance company, in exchange for the purchase price, enters into a contract to pay an agreed amount of money each year while the beneficiary is still alive.

Renter- is the person whose life depends on the contract.

Annuity: is the amount of money paid to the beneficiary.

The benefits of an annuity, especially when used in connection with retirement, is that it would ensure that the retiree has an income for a convenient number of years. The best type of annuity is the deferred annuity because it gives you benefits for life.

2. Jumps

A bond is a loan to a government or corporation, whereby the borrower agrees to pay a fixed amount of interest, usually semi-annually, until fully invested. Treasury bonds are safe, medium- to long-term investments that typically offer you an instant payment every six months during the bond’s maturity. Treasury bonds are fixed rate, which means that the interest rate determined at auction is maintained for the life of the bond. This makes Treasuries a predictable source of income over the long term.

3. Exchange Traded Funds (ETFs)

An exchange-traded fund is an investment fund that is traded on stock exchanges just like stocks. An ETF holds assets such as stocks, oil futures, currencies, commodities, or bonds and generally operates on an arbitrage mechanism to keep trading close to its net asset value, although deviations can occasionally occur. These assets are divided into shares in which the shareholders do not directly own or have direct rights to the investments in the fund.

ETF shareholders are entitled to a proportion of the earnings, such as interest earned or dividends paid.

4. Inventory

In Kenya, the main stock market is the Nairobi Stock Exchange (NSE). A stock market is a place where corporations and other financial institutions go to buy and sell bonds and other derivatives. NSE acts as a third party broker and allows investors to buy and sell shares independently through share trading platforms. You can invest directly and indirectly in stocks. Direct investing means that you buy shares in one company and become a shareholder, while indirect means that you invest in more than one company, therefore spreading the risk. The indirect investment is done through an open fund and the money is safe, so even if the company stops paying, the money is still safe.

5. Mutual Funds

Mutual funds are some of the most overlooked, but probably the easiest way to invest in much more than just stocks and bonds. A mutual fund is a pool of money, often from like-minded investors. You can sell your shares when and if you want. All fund shareholders benefit from the fund and share in any losses. There are five categories of mutual funds where you can choose the one that suits you best.

6. Real Estate

Real estate is one retirement investment plan you should never overlook. Landon said ‘find what’s going to give you the biggest impact on your back.’ Front real estate is a very lucrative opening. However, you have to research the market and know the current and emerging trends in the sector. The location of real estate is very important and must be selected well. Some of the prime locations may be near universities, developing cities, or large company sites. In any investment, capital becomes the main organ to promote investment. Research different financial organizations and try to compare their payment and financing terms. You can still choose to become a real estate dealer. A real estate dealer is one who buys property with the intention of holding it for a short period and selling it for a profit.

7. Pension Plan

The pension plan is a retirement plan that requires an employer to make contributions to a separate pool of funds for the future benefit of a worker. The pool of funds is invested on behalf of the employee and the investment earnings are given to the worker at retirement. In Kenya, even the self-employed can continue to contribute to the social security fund to help them when the time comes.

Retirement is a process that every living worker must accept. Retirement is like any other investment, but more crucial since when you retire, your productivity declines due to health and age. You can start now, and when you retire, you’ll have important benefits that can help you live a decent life after retirement. Take a step today and plan to invest for your retirement now and be a happy retired worker living a good life and developing the economy even in old age.