Playing Stock and Golf

Art

Considering the level of “addiction”, people can be absent from the stock market for a few days, but a week without a busy three-day golf course is annoying. Asking about the golfers (golfers), I discovered a more shocking thing: only a small number of stockholders played golf but most golfers played securities and were very successful.

A standard Swing (swinging ball) is a smooth swinging action like an artist pulling a violin. The golf ball will only go far and precise with a speed swing swing, the whole body is completely relaxed but no oscillation deviates from the spin axis as the spine and head. If you only hit the ball by hand, you cannot become a golfer, because the art of playing with the ball requires a combination of the whole body and the senses. If you also believe that playing securities is an art then surely the golfers agree. You get the best performance on the field when the spirit is completely refreshing. You have a very high chance of investing in stocks if you feel comfortable in winning and losing.


Passion and patience

Rainy sun is a story of heaven, golfers (golfers) can be likened to a form of ascetic monks with their love of grass. They are ready to apply on their skin … tons of anti-skin peeling creams and so on from 12 noon to 5:30 pm, it rains and so on or wait until they can continue. Do you believe that most golfers are willing to take their clubs out of the house from 5 am or skip lunch to run to the yard? It is also hard to imagine that a professional and successful investor is lazy to read newspapers and find information, or find out how business theories apply on the stock market.
Lack of passion, a golfer never even managed to pass 3 – 6 months of death just to practice 10,000 balls, three times that number with ballless swing. If you play golf for 20 years, you have to give this sport the patience to study like an outsider who learns the first swing, 20 years is still a repeating swing. Many equestrian investors see flowers, they become losers, do not have a strong stance, always run the herd and say a catchphrase: price as …. When they suffer losses, they blame securities for gambling and do not give themselves another chance to become a successful investor.

A golfer wrote this: My first blow hit the ground, far away from the ball, causing my hand to feel electrocuted. The next blow also caused my hand to hurt terribly and the golf ball flew to the side, startling everyone to look back at me, looking uncomfortable. I thought, “This game is too hard.” But then after 10, 15 or 20 subsequent shots, I hit the ball – and with a quieter sound than the sound of the Ferrari F430, the small white ball sprang up. In the air, it floated in mid-air and flew 160 yards and landed on the ground, bouncing lightly on the grass.

To win, you must at least finish your destination

A new golfer can completely hit the ball beyond 170 yards with a 7, the professional golfers only reach 145-150 yards. Typically, a golfer after 1 year will have a shot to the shorter distance they have achieved when they first started, but in return is more accurate and stable.

In an ecstatic minute, an amateur golfer can finish a hole with a standard stroke (PAR), even a hole in the hole (hole in one – something Tiger Wood hasn’t done yet) but is broken many other holes. However, golf is a marathon art, you can excel in one third of the journey and then let it dive into the water again, bogged in a sand pit or around in the bush. No professional golfer didn’t double three times before a real swing and there was no lack of focus for one move. Each stroke is carefully estimated about tactics, ball directions, club type, wind direction, ball position …

People still don’t say greed and fear is the number one enemy of those stock players. To become a serious and successful investor, you must always win yourself. Want to learn the art of making money through stock, why don’t you try to take the stick to the yard and start hoeing.

Chinese Stocks Fell The Worst in 2018

According to Bloomberg, the Shanghai Composite Index has dropped by nearly 25% compared to the beginning of the year, making China a big stock market with the strongest decline in the world 2018.

The booming trade war between the US and China is seen as the main reason why Chinese stocks “evaporate” $ 2.3 trillion worth of capitalization this year.

Along with that, the debt reduction campaign in the economy pursued by Beijing has caused the debt margin on the stock market to fall to about one third compared to the peak in 2015.

Foreign investors continue to buy listed shares in the mainland China market through connection with Hong Kong stock, and Chinese state funds are supposed to intervene in the market to support prices. share. However, the indexes of Chinese stocks have continuously dropped sharply.

In addition to the US-China trade war, Chinese securities investors are also concerned about the slowdown of the domestic economy.

The $ 2.3 trillion capitalization decline of Chinese stocks this year was the strongest since Bloomberg began saving data on this market in 2002. The similar near capitalization of Chinese securities occurred. came into the global financial crisis 10 years ago, when the Shanghai Composite Index dropped 65%.

With the decrease in capitalization, China this year ceded the position of the second largest stock market in the world to Japan.

Along with the decline of the market is the decline of trading volume. The daily average trading volume of the Shanghai and Shenzhen exchanges combined has dropped to about 369 billion yuan, equivalent to $ 54 billion, the lowest level since 2014.

In Thursday’s session, only about 263.8 billion yuan of votes were transferred on both exchanges, about one-tenth of the peak in 2015.

China’s debt reduction campaign has achieved some results, at least in the stock market because of speculative activity.

The total outstanding securities margin is only about 756 billion Yuan on Tuesday this week, about 1/3 of the peak 3 years ago. In 2015, Chinese securities investors borrowed collateral at a record level to buy stocks, leading to a stock bubble.

Many loss investors have fled the Chinese stock market this year. A total of 75 mutual funds with a focus on Chinese securities dissolved in the year, according to Bloomberg data, the highest level ever since the data began to be recorded in 2007. Over the past 11 years , there are 88 Chinese securities mutual funds come to the dissolution outcome.

 

 

 

 

 

 

10 Tips for Fintech Start-up Gain Achievements

What is FinTech?
In a nutshell, FinTech is a term for the industry that provides financial services on technology platforms.

In China, from beggars or weddings to bundles of vegetables with QR codes, the QR code fever is flaring in China. It is estimated that every day a Chinese interacts with about 10-15 QR Code codes.
In Sweden, homeless people who are selling newspapers now can receive money by scanning credit cards, or receiving SMS messages. The amount of cash circulated in Sweden has dropped to the lowest level in 27 years.
In India, people can now go to the market to buy vegetables and pay by phone, via Paytm e-wallet.
In the Philippines, it is possible to trade virtual bitcoins in the 7-Eleven convenience store, through a partnership between the chain and the largest bitcoin in the Philippines, Coins.ph.
In Kenya, people can borrow and store money on the phone, via the M-Shwari service of the national telecommunications group Safaricom. Safaricom’s M-Pesa electronic wallet is being used by 40% of the Kenyan population.

Here are 10 tips that any Fintech startup should know so as not to miss the opportunity to work with large banks in the future.
1. To mobilize enough support capital
Determine before the start of the project that the cost is always double and it will take three times more than expected.
2. Estimate the time of the sales cycle
If you have a FinTech business solution for any financial institution – either a small organization or a central currency bank – must accept a long, arduous sales cycle with many delays. .
3. Learn about the market
Many startups believe that their solution will completely change the way the bank operates and no longer have to use existing tools.
4. Build a successful sales strategy
5. Share sales opportunities with all sales people
6. Get a head start
7. Spacious during preparation for sale
8. Do not cover everything too carefully
9. The site must be ready when the product starts to run
10. Product thinking must be independent

Will Google Refuse Advertising?

There is quite a bit of pressure on Google from MPs, UK Music and FA to refuse Viagogo advertising, so the big question is if the giant would consider accepting cash. Viagogo pays cash to have their ticket website at the highest search ranking, and several MPs, the trade body of UK Music and even a signed letter by the Football Association, is part of the urge directed at Google.

Paid advertising is how Google makes money and where this comes in is easier to explain by going back to where it all started. The letter recently sent to the senior executives of Google was first shown to the Guardian who shared that Viagogo’s notoriety in Google search rankings guides consumers to purchase theatre tickets, sports and music tickets that could be invalid. The signatories also included concerns that some of the fans were directed to the site, it’s a common channel for vendors to resell tickets with a massive markup and this takes place even while there are still tickets available elsewhere.

Google is known for their strict rules especially when it comes to search engine optimisation and may be in breach of its own set of rules and guidelines, which strictly demand that businesses who purchase prominence in Google search results via pay-per-click AdWords service must comply with all local and international laws. The letter mentions that legal proceeding must be brought against Google as the worlds most trusted brand for accepting cash in promoting the least trusted of them all. To Google obviously, Viagogo is a valuable client who spends considerable amounts on yearly paid advertising, and on the other side, Google has a responsibility to protect consumers.

Viagogo Facing Criticism

Viagogo, a UK website has also faced a load of criticism for its contentious business practices, it originates 75% of its site traffic from referrals via the search engine according to SimilaWeb data analysis. Sharon Hodgson, Labour MP, was one of the signatories of the letter explained that she heard numerous times from customers who were distressed by Viagogo. They were guided to the website due to its prominent position as they placed by Google as their too search. It is wrong that such a website as Google, who are trusted by thousands of online consumers direct these online clients to the most untrustworthy site on the web. Google’s main objective should be to protect consumers and to take all the necessary action to guarantee their safety, and many are looking forward to working with Google to correct this in the near future.

Only a few months ago, actually, it was in February of 2018 a new certification system was launched by Google, a system for ticket resellers with the objective to offer consumers a clearer form of information. What the signers of the letter now makes clear is that Google needs to ban the use of AdWords from Viagogo, it enables companies to leapfrog to the top, to enjoy top results from searches and it is all possible in exchange for a fee, the fee is a paid for link every time a searcher clicks on it. All eyes on now on Google and how it will handle the situation.

Say No to Timeshares

For the amateur traveler, the idea of having a timeshare is exciting and new. You are promised great prices for accommodation at top rated resorts every time you go on vacation, as well as a gift for just listening to the pitch. If you are smart, you would sit through the pitch, take your gift and head in the opposite direction. If you want to be fair and yet even smarter, walk away from anyone who offers you anything for free, there is usually a catch that you don’t want to be a part of.

I was a victim of this earlier this year when I went to the Bahamas on vacation for only 3 days and 2 nights. There I was, relaxing on the beach with my cousin on the first day, and approached by a man who was selling tonnes of services. He offered us a free breakfast and dinner, all we had to do was show up at a resort. We spent close to three hours just sitting and talking to someone before we got our breakfast, only to realize they were trying to sell us a timeshare package. Imagine how annoyed we were to waste half the day and our time was already limited. They didn’t even want us to leave, we had to fight our way to get out of there. If someone offers you something like this, be aware, it may be someone who is pitching timeshares and you don’t want to waste your vacation listening to what they have to offer, no matter how good the free gift may seem.

Timeshares are pitched as a dream vacation and a once in a lifetime opportunity that you don’t want to miss. While the majority of offers are legitimate and you do have genuine deals, in the long run, you would realize that owning a timeshare is not worth it and by the time you get back home from your vacation, it would be too late to stop the transaction. A timeshare allows you to use property for a certain part of the year, and the length depends on how much shares you own. So, for instance, if you own 2 shares out of 52, then you can stay at the property for 2 weeks in the year (a year has 52 sometimes 53 weeks). Whoever is selling you the timeshare may inform you of the cost to purchase the share but they may fail to tell you about all the other fees and charges or they may have a clause in the contract where fees are subject to change.

Usually, with timeshares, you are charged a yearly maintenance fee, property tax, utilities and other fees. Sometimes you may think it is affordable because you pay an initial deposit and maybe a small monthly fee. However, did you consider the hidden costs such as airfare travel to get to the resort every year? It also limits where you spend your vacation and you may have to book your slot months in advance. What if you decide to cancel your vacation or visit a different country? You would still be stuck paying for your share year after year. Trust me, you would rather use that money on an exotic vacation somewhere else. If you do sit through one of these pitches, never give them your credit card information.

5 Ways to Improve Your Finances

It is never easy achieving financial goals and are ones that do not happen overnight. Improving your finances takes dedication, control and understanding the steps you need to take to avoid spending on things that are recreational or not needed. However, there are some steps that you can take to do just that and here are five of them.

1. Make Savings Automated

Many times it can be difficult to put money away for savings when you live from paycheck to paycheck. However, you can save if you make saving money a priority, as it can make you live with the money you do have. Automated savings can help you, as by setting up transfers that are automated you can set aside an amount that will be taken out every paycheck you get. There are even automated savings applications such as Digit that can make the process easier. Automated bill payments are also a good idea in order to make sure you pay on time and keep a healthy credit score.

2. Lose Recurring Expenses

One of the easier things you can do to improve your finances is rid yourself of recurring monthly expenses. Look at things such as your cable bill, cell phone bill, streaming service, even a gym membership you do not use often. Look into lowing cost plans for such thing as cable and cell phone serviced and get rid of monthly subscriptions you do not really need. Look at recurring expenses and what you can do without and they will add up when you ditch them and help you save more money.

3. Maybe a New Bank is in the Cards

Banks often charge hefty fees, especially when you do not use your banks ATM and for overdrafts. Look at the fees that are associated with your bank account and stack them up against what others will charge. Checking fees with different banks can help you find the one that has the lowest fees and if you do have them incurred it will not cost you an arm and a leg.

4. Insurance Issues

Many times people look for the best insurance and then after purchasing a policy, does not matter what it is for, they forget about it. Insurance rates will change and if you shop around you can find a better price for what you need covered. You can also save some money if you raise the deductible as well or getting rid of coverage levels. In this case you may have to pay a little bit more for coverage, but if you have a very clean driving record and no problems with your home in homeowner’s insurance in the long-run you can save a significant amount of money.

5. Declutter

This can be the easiest thing to do to save money, as getting rid of items you don’t use can help you out. You can sell items online and for things that need upkeep you can get rid of that cost as well. From clothing to old video games to CD’s and toys decluttering what you have will not only save money, but you can make some as well. On top of that your significant other will likely be a happy camper with a little decluttering.