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Finance News

English Premier League teams and billionaire owners

Having one sports franchise is a trend that overwhelmed many billionaires from all over the world.  Whether is that a matter of pride and prestige, or purely economic reasons, we can’t quite tell, but more and more wealthy individuals are entering the industry of sport.

English Premier League, as the most prominent in the world, draws enormous attention when it comes to this case. It is one of the most profitable competitions too, and when you put these two factors together, it is a perfect place for any wealthy person to buy a club and start his adventure in this area.

At the moment, there are 12 teams in EPL owned by billionaires. The most famous is Chelsea, with Roman Abramovich in charge. Russian tycoon made the Blues the most dominant team in England since buying them. The club from Stamford Bridge won 16 trophies in 16 years of Abramovich reign, among them the Champions League. But this year his young team is not the main favourite for taking the title in the Premier League

Chelsea is currently at 1000/1 far behind the unstoppable Liverpool who is 1/25 and Man City 20/1. Also, Leicester City is ahead of the London club with 300/1. Interestingly, the Blues are better positioned in the race for the Champions League trophy 33/1, and the FA Cup, 9/1. If you believe that Chelsea might reach at least one trophy, there is a perfect way to bet on that without any risks. Here you can get the latest free bet no deposit list for sports and casino, which allows you to win money without endangering your own cash.

But to get back on our main topic now. All the four teams mentioned above have wealthy foreign owners. Besides Abramovich, John Henry owns Liverpool, Sheikh Mansour Man City, and Aiyawatt Srivaddhanaprabha took over the wheel at Leicester since his father’s tragic death.

Manchester United, Tottenham, and Arsenal as one of the biggest clubs in England also have wealthy owners. Malcolm Glazer bought United in 2005, and the club stayed in possession of the family, after his death. Joe Lewis owns Tottenham, while Stan Kroenke put his stamp on Arsenal. After making his name and most of the money in the real estate business, he decided to by the Gunners and explore new ideas.

Neither of these titans is in the position to chase the title, as they sit far sbehind Liverpool in the standings.  It is no wonder why bookies give 1000/1 odds for any of them to win the Premiership. But all of them are in the race for the fourth place and the Champions League spot.

The Red Devils are leading the list there, with the odds 3/1. After them comes Tottenham with 9/2, and Arsenal with 14/1.  Wolves need to be counted in that company too, with 20/1 at the moment. Far behind are Sheffield United with 50/1 and Everton with 66/1.

When mentioning Wolverhampton, their owner is a Chinese businessman Guo Guangchang, who is one of the many investors from this country who came to Europe and decided to finance football.

Wolves immediately became a competitive force, and are in combination for winning the Europa League and the FA Cup. Right now Wolves are 12/1 to win the EL trophy, and 25/1 to lift the FA Cup crown.

Other billionaires who have the club in the Premiership are Mike Ashley – Newcastle, Joshua Harris – Crystal Palace, Nassef Sawiris – Aston Villa. All of them are predominantly in the relegation battle and without chances for some notable success in the league this season.

Aston Villa is one of the biggest candidates for going back to the Championship with the odds at 8/11. Newcastle is 7/2, and Palace 14/1. The biggest favourites for going down are Norwich 1/16, Bournemouth 5/6 and Watford 9/4.

Neither of these last few sides has a billionaire owner.

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News

How to Fix Your Budget after an Expensive Holiday Season

In the flurry of the holiday spending season, it’s easy to forget you have a budget. But once the hustle and bustle is over, real life always catches up.

Once the bills start to pile high in the new year, many people think they need to get a line of credit online to keep debt collectors away. But this may not be the best way to handle your holiday debt.

Let’s take a look at how you can recover from overspending during the holidays. Below are some dos and don’ts of paying off holiday debt.

Don’t Take out a Line of Credit

If your mailbox is full of bills — each one with a looming deadline you have no hopes of paying — you may think a line of credit is an easy solution to your problem.

In reality, it solves nothing. It only delays and potentially compounds your cash conundrum!

Generally, it’s never a good idea to get a personal line of credit to pay off another loan or line of credit. These financial products are better kept in reserve for an unexpected emergency expense.

Get in Contact with Your Debtor

If you think you won’t be able to make a payment without the help of a loan or line of credit, contact your financial institution or provider. Although this will make for an uncomfortable conversation, it’s best to get it off your chest.

You won’t be the first customer who can’t make their payment. In all likelihood, your financial institution or provider will already have a financing plan available.

Find out if it’s possible to reorganize your payment schedule. You may be able to break your payments into smaller installments or push out due dates until you have the cash.

Find the Right Payment Technique

When it comes to paying off debt, there are two popular techniques. Both require you to make the minimum payments across every bill, but they focus your extra cash in different ways.

  1. The Snowball Method: After ranking your bills from smallest to largest, you’ll put most of your money towards the smallest balance. Once you strike this bill from the record, you’ll roll the cash you used on this old debt into the next smallest bill.
  2. The Avalanche Method: This payment style requires you to rank your bills from highest to lowest interest rate. You’ll focus on the bill with the highest interest rate first. Once you pay it off, you’ll put your money towards the next highest interest rate.

These techniques have one major thing in common: they’re both about gaining momentum. As you move from one bill to the next, you’ll have more cash to put towards the next bill in your ranking. This means your debt-killing powers grow with each bill you knock out.

But they have some differences. By focusing on the smallest debt first you may expect to see faster results with the snowball method. Although the avalanche method may be slower, it tends to save you more money in interest.

Just Don’t Ignore Other Responsibilities

With a laser focus on your holiday debt, your other bills may take a back seat in the new year. But part of being a money management pro is learning how to multi-task all of your responsibilities.

If you plan on striking out holiday debt, make sure it’s one of many priorities in the new year. Good luck!

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Crypto Finance News

Markets Pilot Broker Review – Uncovering the Pros & Cons Involved

Introduction to Markets Pilot

Click World Ltd. is the company that owns and operates Markets Pilot broker. Ever since its inception, this broker has been providing quality services to crypto traders across the world. The headquarters of Click World Ltd. is in Roseau – the capital city of Dominica, located in the Eastern Caribbean. With Marketspilot broker, users get to trade close to a hundred cryptocurrencies, which include crypto pairs as well as the crypto-fiat currency pairs.

Note that only cryptos can be traded with this broker, and any other asset classes that belong to Forex, Indices, and Stocks, etc. are not available. This Markets Pilot review is unbiased and is not written favoring any of the parties. By the end of this review, you will be able to decide if this broker is for you or not.

Index – Markets Pilot Review

  • Account Types Offered
  • Available Trading Platforms
  • Amazing Trading Features
  • Deposit & Withdrawal Methods
  • Customer Support
  • Conclusion

 Account Types Offered

Markets Pilot broker offers different types of accounts for their users. Traders get to pick any of these account types depending on their trading requirements. Let’s understand each of these accounts in detail.

Student Account is the most basic account type available with Marketspilot broker. The initial deposit required to open this account is $1,000. Traders get to use the amazing Sirix trading software to trade the live markets. Additional services provided in this account include personal account manager, live webinar once a month, and an economic calendar. The maximum leverage that can be availed is capped at 200X.

The advanced account comes with all the trading features of Student Account plus an expert advisor service. The initial deposit required to open this account is $5,000, and traders in this account get to access one live webinar every week.

The initial deposit required to open the Semi-Managed Account is $10,000. Leverage in this account is capped at 500X, and traders get to access three live webinars per week.

Fully Managed Account requires $25,000 as an initial deposit. Here, traders get additional access to unlimited live webinars, weekly reports, and automated strategies.

Pro Account has all the features of Fully Managed account along with some in-depth research tools. The initial deposit required to open this account is $100,000.

In the Expert Account, traders get personal support form a Crypto expert, and they will also get help in their portfolio construction. The minimum initial deposit required is $500,000.

1 Million Club, as the name suggests, needs one million dollars as an initial deposit. Individual trading with a crypto specialist and crypto expert sessions are the crucial attractions while trading in this account.

Available Trading Platforms

Markets Pilot broker, in collaboration with Sirix, provides a world-class trading platform for its users. There are three different versions of Sirix trading software for Desktop, Web, and Smartphones/Tablets. Sirix Station is the desktop trading software that works just like the industry-grade MT4 service. Sirix Web Trader is for the users who want to trade on the go without having to download any trading software.

Finally, Sirix mobile application is available on both Android and IOS operating systems. We have tried all of these platforms, and they work pretty great. They comprise of all the tools required for an intermediate trader to ace the markets. However, these platforms can’t be compared with MT4 because they lack some advanced tools like auto trading bots, customizable tools, etc.

Amazing Trading Features

Sirix platform comes with great trading features. The platform is neatly organized and extremely easy to navigate and trade. Let’s understand some of the great features of the Sirix Web Trader. Below is how the charts look on the web trading terminal. We can see the neatly organized buy/sell buttons on the trading terminal, which are convenient for one-click trading.

All types of trading orders like buy/sell limit orders, buy/sell stop orders, stop-loss, and take-profit orders can be placed using this platform.

More than fifty technical Indicators can be applied on to the charts while trading with the Sirix web trader. These are well-proven indicators in the market and are backtested by best traders across the globe.

Social trading is one additional feature that is embedded in all the Sirix trading platforms. Using this feature, traders get to copy the signals from the top-ranked traders around the world.

Deposit & Withdrawal Methods

It is fairly a simple process to deposit and withdraw funds from your Marketspilot trading account. Mainly there are four deposit methods – Electronic Cards, Wire transfer, ePay, and Bitcoin.

The deposits happen very quickly for all the methods except for the bank transfer. When it comes to withdrawal, uses can’t withdraw funds just like that. First, they need to send a withdrawal request from their Markets Pilot account. Then a personal account manager will verify the request and the reason for the withdrawal. Once this process is done, the request will be forwarded to the payments teams, and users will receive the funds almost instantly.

Customer Support

Marketspilot broker’s customer care team works 24/5, and they can be reached through phone, email, and live chat options. Below are the details of the same. We personally found the live chat option to be great as we got instant solutions for the queries we had.

Email support@marketspilot.com
Phone +44 2080-898169
Live Chat Available. Click the chat option on the bottom right corner of the Markets Pilot official website.
Office Location MAP

 

Conclusion

Despite being a brand new broker, Marketspilot has been top quality crypto trading services that can be compared with some of the greats in the industry. They almost have all the pieces in place except for the regulations. Also, we can say that the initial deposit for the basic Student Account is a bit high. If you don’t mind these cons, we would recommend you to definitely try this broker to start or better your crypto trading journey. We hope you found this Marketspilot review informative. Cheers.

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Finance News

Questions Should ask before Hiring a Financial Planner

It can be challenging to hire a professional planner. After all, your planner will know about your finances and help you make huge decisions about financial planning in Saddle River. Therefore, you need somebody to communicate consistently and clearly with you.

The professional should also understand your future goals and help you make prudent decisions that will ultimately compound in value.

When choosing a planner, you’re selecting more than somebody you hope can give you a return on your money. A reputable financial planner won’t merely discuss the latest financial predictions or go through quarterly returns. They’ll get into deeper issues such as personal values and deeply-held fears. If you’re contemplating these services, here’s a list of questions you should ask.

Are you 100% fiduciary?

This is one of the most significant questions to ask when hiring a financial planner. Unfortunately, not all planners will place your best interest first. Only those who are fiduciaries should act in your best interest. A fiduciary is an expert entrusted to provide advice and planning or manage wealth or assets while putting your interests first always.

Planners or advisors who adhere to a fiduciary standard should reveal any conflict or possible conflict to clients during and before the engagement. Additionally, fiduciaries adopt an ethics code and disclose how they receive compensation. Beware that non-fiduciary professionals can propose products whose sales produce commissions, bonuses, or prizes.

How do you receive payment?

Another important question to ask planners about financial planning Saddle River is how they’ll receive compensation. This could make all the difference in the proposals the planner makes for you. That’s because some planners follow a standard whereby only their recommendations to suit your specific situation.

Other planners, however, follow a fiduciary that needs advisors to consider your best interest. Financial planners receive compensation in one of three ways: commission-based model, commission and fee model, fee-only model.

Commission-based model

This kind of planner receives a commission for selling or recommending certain investments or other products. Most of the time, you might not notice the commission because it’s embedded in a product unless the advisor discloses the amount.

Fee-based model

A fee-based planner can obtain fees or commissions from you. Typically, there’ll be an agreed-upon proportion of managed assets that will be deducted out of the accounts the advisor manages.

Fee-only

A fee-only advisor or planner only receives compensation from the client instead of third-party commissions or any kickbacks. The precise means of compensation differs with every advisor, from subscriptions or retainer to hourly.

Why You Need a Financial Plan

Clear Goals

Sitting down with financial planning in Saddle River will make you ponder over what you wish to attain with your money. Moreover, a planner will examine your overall objectives and help you develop a realistic, attainable plan to make them a reality.

Regular Reviews

Whether you’re the kind who keeps a close eye on investments or would rather invest and forget, taking professional advice implies that you’ll have yearly reviews to track your finances and progress. There are two benefits here: it permits you to tailor your plan as your needs and situation change, and it refocuses your mind on whatever you’re trying to accomplish and permits you to make adjustments if you feel you aren’t on the right course.

Product Knowledge

There are numerous pension and investment solutions, each with its rules and nuanced complexities. A planner will conduct the time-consuming research and narrow down the most appropriate solutions.

If you’re looking to plan your finances for the future, you’re better off hiring a financial planner.

After narrowing down your list of potential financial planners, the next step is to do a background check on the candidates. Get their written consent, and hire a third-party checker to get access to their complete criminal record. Your chosen financial planner will know about all your assets and help you manage them; thus, it’s crucial that you vet their character thoroughly to protect your wealth.

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News

Are Consumers Attracted By Loyalty Programs?

Loyalty programs are everywhere but some are more effective than others. While consumers are very keen to sign up to loyalty offers, they will only actively participate in around half of the ones they sign up to. This shows that many companies are not convincing those customers of the value of their programs or not engaging with them once they have signed up. In some cases, customers just become too familiar with a system to feel the benefit. It is for this reason that many experts are predicting the end of supermarket loyalty cards.

What are loyalty programs?

Loyalty programs are marketing campaigns designed by brands and businesses that offer incentives to encourage customers to start or continue using the services of the company associated with the program. They may also be referred to as reward schemes as they often allow customers to earn rewards by regularly purchasing items of paying for services. A supermarket loyalty card is a good example of a loyalty program.

What are loyalty programs for?

Loyalty programs are about more than just getting the customer to sign-up or to claim a free offer. They are about retaining the customer and building a long-term relationship based on trust. A customer must feel they are getting some kind of value if they are to enter into such a long-term relationship with a brand or business.

First and foremost, customers want to feel that they are saving money or have the possibility to gain some extra value by joining a program. For example, many online casinos gain popularity through their famous loyalty programs which, in the case of Grand Mondial, can actually give clients a chance to become a millionaire by giving free spins on jackpot games such as Mega Moolah.

Your business might not be in a position to offer a multi-million dollar jackpot, so your strategists need to think about what it is their customers are looking for and how they can offer them extra value for their loyalty.

The coffee shop example

Some loyalty programs are simple but effective. Many coffee shops will give customers loyalty cards that get stamped every time they buy a coffee. Once the card is full, they can claim a free cup. This keeps the customer coming in for their coffee and offers them a satisfying reward at the end. As these customers rarely drink alone, there is a high chance they are also bringing friends who also receive a card. This is a great way to build a regular customer base.

Source: Pixabay

Should customers have to work for rewards?

In the coffee example, the customer has to earn the reward over time but as coffee drinking is a regular activity, it does not require much work. However, a customer will decide in seconds if the work required to earn any reward is of value. This can even override any emotional attachment they might have to a certain brand. It is no surprise to find that most customers prefer to save money or be given a reward for doing nothing. So, the nature of the reward will be determined by the type of service your offer.

Customers are still attracted to reward programs but keeping them actively involved is not easy. The trick is to find that sweet spot between giving the customer want they want and pandering to any emotional connection they may have to the brand while making sure that there is a positive financial benefit to the business.

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