Author: Henry R. Lares

Henry Lares is still early into his career as tech reporter but has already had his work published in many major publications including Tech Crunch and the Huffington Post.  In regards to academics, Henry earned an engineering degree from Apex Technical School. Henry has a passion for emerging technology and covers upcoming products and breakthroughs in science and tech.

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News

What You Should Do with Your Christmas Bonus This Year

After you’ve put in the effort and worked hard at your job this year, your Christmas bonus may just be around the corner. While it may be tempting to blow your Christmas bonus on frivolous items that you want, you can use this cash to your benefit. Here are some of the top ways you can spend your Christmas bonus this year.

Get in the Generous Christmas Spirit

The holidays are the season for giving. If you have a favorite charity, Christmas time is the perfect opportunity to donate. Making charitable donations is a way to show gratitude for what you have, and giving back brings more joy than just buying for the sake of buying.

You can also show your family or friends how much you love them through the act of giving. Whether it’s taking them for a nice meal or purchasing them an item they’ve had their eye on for months, using your Christmas bonus to buy gifts will bring your loved ones happiness.

Take a Vacation

Experiences can mean more to us than purchasing material items. If you have been thinking about taking that vacation you’ve been dying to go on, your Christmas bonus is the perfect reward for all your hard work. Whether it’s taking a short trip with your family, spouse, or friends, improving your relationships is always a wise investment.

If you’re thinking about taking an even bigger vacation, summer vacation isn’t too far off, allowing you the opportunity to save even more money for a trip. If you’ve already been saving, now is the perfect time to book the vacation as the holidays are a great time for deals on flights, hotels, and rental cars.

Prepare for the Future

Thinking about saving for a rainy day may not seem like fun, but can prevent any issues down the line. Part of your Christmas bonus could build on your emergency fund in case of unexpected financial obligations. When an urgent and pressing matter comes up, such as getting car repairs or replacing the water heater, you won’t have any problem paying for these items.

If you do get into an emergency that your Christmas bonus won’t cover, you have the option of taking out a payday loan. If you are unsure of how to get a payday loan, the process is immediate and straightforward. By filling out an application online, a reputable company will make an instant decision, and approve your request in under five minutes.

Pay Down Your Debt

Paying down debt can be a wise usage of your Christmas bonus. By paying down debts, you can improve your financial status and feel a sense of relief. Be sure to follow a plan like making a lump-sum payment on debts. These types of debts can include credit card payments, mortgages, and student loans and paying them down will reduce any potential interest fees.

No matter how you decide to spend your Christmas bonus, do what feels right for you. A Christmas bonus can go a long way in helping you achieve financial goals or to give back to the community.

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Finance News

Every Asset You Need in a Balanced Portfolio

The balanced portfolio is about spreading risks and investing in a variety of industries. Different markets and assets all respond differently to economic performance, and a balanced portfolio aims to make the most of every situation.

How do you access that flexibility and responsiveness in your own investments? These are the assets you need to own to take full advantage of a balanced portfolio.

Gold and Silver

Gold and silver make the ultimate hedge. A balanced portfolio needs an asset that won’t be rocked by poor economic performance or a market correction. It helps that precious metals are also resistant to inflation and become highly desirable when extremely low interest rates push treasury bonds toward worthlessness. Anywhere from 5 to 20% of your portfolio can be put into bullion.

But which one should you buy? It depends how much you have to invest. As a rule of thumb, if you’re making an investment of under $2,000 it makes sense to buy 100% silver. That’s because one ounce of gold is around $1,500, and you can save on premiums by purchasing more ounces at a time.

Check out the spot price of silver today and make sure you include precious metals in your portfolio. Even if you’re interested in gold, there’s a case to be made that silver is better insurance today. That’s because the spot price of silver has more upside to it. Silver is the more undervalued asset, and that means there’s more profit to be made. Since the silver market is so much smaller, it’s much more responsive to market movement.

Stocks

Precious metals give you a strong foundation. Stocks are riskier. During periods of economic growth, stocks will be your best earners, but the world economy doesn’t look like it has much more growth left in it before the next recession.

About 50% of your portfolio could be in stocks, but that number should fluctuate depending on your risk tolerance. When you’re young and have more time, it could be as high as 80% to maximize your growth potential.

Even within the stock market, there are more conservative shares you can buy. Dividend stocks such as bank stocks, utilities, and core brands (think companies like Disney and Coca-Cola) that are resilient to recessions.

Bonds

Bonds have not been great in the last decade. Eleven years of artificially deflated interest rates thanks to central banks trying to keep the wheels on an anemic global recovery. The result has been very low bond yields, while the stock market has done extremely well.

Bonds are seen as very safe investments, especially government bonds, but the yields reflect the low risk.

Fixed Income Investments

Beyond bonds, other fixed income investments like ETFs and money market funds deliver a return on a fixed schedule. You pay a certain amount in exchange for fixed interest payments, and your principal back at maturity – just like a bond, but various other financial products that open up new opportunities.

Real Estate

Real estate has arguably become one of the most important assets of the 21st century. As global capital has sought real estate deals around the world, it’s transformed cities. There are many ways to invest in real estate, too, through condos, REITs, income properties, and more. It’s not just about buying houses.

A balanced portfolio has an investment in just about everything. Spread your interests around for optimal performance.

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News Tech

BTC Surf expands its exclusive offer for its community

If you have been in the world of cryptocurrencies for a long time, you should have experienced the evolution of the business models. In the initial phase, there were many business models linked to advertising.

The already known “faucets”, and the PTCs (Paid To Click) were a viable way of acquiring small portions of cryptocurrencies to go deep into this world. Then multiple problems arrived and only the best projects have survived.

And today we introduce you one of those projects that have adapted and improved over time to continue having a place in the saturated world of internet advertising: BTC Surf.

What is BTC Surf?

BTC Surf is a community, developed by the professionals of the Spanish Blockchain Association.  Anyone can register for free and enjoy various benefits (depending on the type of membership).

Depending on the activity in the community you can earn Bitcoins, you can earn traffic for your web portal or meet new portals and investment opportunities.

Advertise forever

Members can advertise with a single payment and enjoy the service for a lifetime. In this way, the advertiser will be able to receive traffic from real users throughout his life and thus increase his yields.

Those users who do not wish to advertise can also earn while they see ads from the partners that are advertised, and also know quality alternatives that are being promoted by the other members of the community.

Other sources of benefits: The Affiliate System

Apart from the normal activity of the community, it can also be earned by recommending the platform to other users, with which we will subsequently earn a percentage of the profits that are generated later thanks to that user.  The BTC surf affiliate network is up to 11 levels deep (for the highest memberships).

Clarity with financials

The distribution of money generated by the community is a clear system designed with transparency to guarantee confidence in the system.

The distribution is as follows:

  • 50% – Membership plan distributed in 11 levels.
  • 20% – External Surfing Promotion for all advertisers, generating visits from other traffic sources.
  • 10% – Weekly Bonus.
  • 10% – Random bonus per activity.
  • 10% – Management and maintenance of BTCSURF systems

The newest: The pool

The latest and most innovative service that BTC Surf partners offer us is the “pool”.  When we talk about pool we do not mention what we all know as a mining pool.  A pool, in general, is a group of people (or companies) that come together to offer a service or take advantage of a business opportunity.

In this case, the Pool offered by BTC Surf is intended to exploit the affiliate network market.  With the contributions of the members of the community, the affiliate networks of top quality portals within the Bitcoin universe and cryptocurrencies are exploited.

Next, let us show the chart of profitability of the pool.

As can be seen in the above graph, profitability ranges between 0.20% and 1% of daily gain.  Which is a fairly profitable investment if we consider the tremendous competition in the internet advertising market.

In addition, the pool evolves as the community decides since they will make investments in the portals that the members themselves decide: a tool for the community!

Conclusion

BTC Surf is a mature, profitable community that continues to innovate to offer profitable services for its community, as evidenced by the recent launch of its commission POOL.

Official Links

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Crypto News

Beer Money continues to meet the objectives of its roadmap and now launches an IEO in Latoken

 What is BeerMoney?

Beer Money is the union of blockchain technology and the passion for cryptocurrencies, with the world of beer and the passion for craft beer.  Undoubtedly a safe bet, since craft beer is one of the most demanded beverages in a large number of countries and an expanding market in both total liters and totals billed worldwide.

Beer Money is a complete ecosystem, which orbits the concept of craft beers.  Next we will break down everything that can be done with them.

 The beer token

The main element that unites the digital ecosystem is the appearance of Beer Token.  A token native to the NEM network, one of the safest blockchains in the entire cryptocurrency landscape.

The characteristics of the token are:

  • Blockchain: NEM
  • Number of tokens (mosaics): 400,000,000 tokens, which will reduce their number with progressive destruction until reaching the final figure of 80,000,000 tokens.
  • Value: 0.05 USD per token.
  • Support for this value: craft beer.

More than a token…

As we said before, Beer Money is much more than a simple token.  In the first place, it is the digital representation of a physical good.  With what we can do things like send a craft beer to a friend, only by sending a token to that person.

When we say that there is a physical support, we talk about how the price of the token evolves, because it will always be possible to exchange it for beer in Beer Money Pubs (Beer Money Pubs are associated establishments that accept beer tokens as a means of payment or that have  of craft beers to exchange for tokens).

In addition, beer token is a loyalty tool, since owning Beer Money means that you have the right to enjoy discounts and exclusive promotions in the associated establishments.

On the other hand, the creators of the ecosystem benefit from the exit of the token because they raise funds to expand their business by building their own factory to make their own craft beers.

There is more…

With the own developer team and part of the funds raised in the seed and ICO phase, Beer Money has been able to develop its own wallet, with which to send mainly beer money, but which will also grow to admit more means of payment for the beer.

IEO in Latoken

Currently, you can purchase tokens in the IEO (initial acronym for Initial Exchange Offer: initial sale offer through the exchange) of the prestigious LATOKEN exchange.

The price at which these tokens can be purchased is currently less than USD 0.05 guaranteed value backed by beer, so the investment can be considered safe.

The opening period of the IEO in Latoken is limited.  The token purchase will be available from September 15 to October 16.  It is planned to go public in that market sometime later.

Conclusion

If you are looking for a relatively safe investment, or if you are simply a craft beer lover … Here you will find many options and possibilities.

Official Links

Web: https://beer-money.io/

IEO in LATOKEN: https://latoken.com/ico/ETH-BEER

Facebook: https://www.facebook.com/BeerMoneyOficial

Twitter: https://twitter.com/BeerMoneyICO

Instagram: https://www.instagram.com/BeerMoneyOficial/

Telegram: https://t.me/BeerMoneyICO

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Finance News

Platinum vs Gold – Which precious metal should be your pick?

Virtually everyone knows about the appeal of gold, but what do you know about platinum? Gold and silver are the most popular precious metals when it comes to investments, but platinum may be a dark horse. If you are weighing a decision between investing in platinum or gold, you will need some solid information to guide your choice.

What is platinum?

Platinum is a type of precious metal that is grayish white in color. Often mistaken for silver, the name for platinum actually comes from a Spanish word meaning “small silver.” Platinum is mined most often in Columbia, Africa, and the United States but is rarely found alone. It is typically mined alongside other metals like palladium and iridium. Mining companies often find platinum when they mine for gold and silver.

Historically, platinum objects have been found in archaeological finds dating back almost 3000 years. For example, platinum was found in an Egyptian sarcophagus and casket. One reason that platinum was not very prevalent in ancient times was that no one was able to melt it for quite some time.

Platinum is more expensive than other precious metals due to the extraction process and the fact that there are fewer platinum mines than gold mines.

What is appealing about platinum as an investment?

While gold and silver IRA choices always appeal to the average investor, platinum makes a good investment too for many reasons. Limited supply certainly is one. Thanks to the few places that mine platinum tending to be geopolitically unstable, there is a certain uncertainty about the precious metal’s future.

Another reason that platinum may make a good choice is that it is less popular as an investment compared to other precious metals like gold and silver. This means that if only a fraction of the people who have invested in gold and silver IRA try expanding their portfolios with platinum, a big price spike is likely.

What are the drawbacks of investing in platinum versus gold and silver?

Like gold and silver, you can physically own the silvery metal in the form of bars and coins. Government mints from many countries produce platinum coins. Some examples include American Eagles, Australian koala coins, and Canadian maple leaves. If there was ever an extreme economic collapse when paper currencies were no longer accepted, it may be better to trade in precious metals that are more recognizable to the general public like gold and silver.

There are also more options available. These are individual retirement accounts backed by precious metals. They work the same as conventional IRAs, but hold gold or silver in the form of physical bullion.

Another key difference between gold and platinum is that platinum has more industrial applications than gold, making its price more sensitive to economic uncertainty. When things get dicey in the economy, gold prices tend to be stable or even rise, while platinum prices will tend to decrease because of reduced economic activity and industrial demand.

Summary

Both platinum and gold have many of the same appealing aspects when it comes to investing. However, the differences do stand out. That is why you would have to consider the economic conditions when you think of investing. If it is already in a downward spiral, gold will be the safer bet.

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