Use of Leverage Can Result in Huge Losses for Retail Investors & Traders

May 13, 2022

Leverage trading allow traders to open a large trading position, using a small amount called the ‘margin money’.

Trading using leverage has high risks which are highlighted by huge losses for investors & brokers going under when things go wrong. But still many retail traders ignore these warnings & use excessive leverage.

Leveraged trading by definition allows retail traders to multiply trading capital & potential profits. This is because you are using money borrowed from your broker to trade. This multiplication of trading capital could lead to very high losses as well as profit on the part of the traders.

A Double-edged sword

Warren Buffet had this to say about leverage: “really the only way a smart person that’s reasonably disciplined in how they look at investments can get in trouble is through leverage”. Those who know a lot about leverage trading will tell you it is as dangerous as it seems good.

Leverage is often called a two-edged sword.

Leverage can be equally profitable if the price moves in your direction as it is dangerous if it goes against you; because it can exacerbate your losses if the trade does not go your way. This is because your trading capital has been increased way beyond your initial deposit.

In trading with leverage, you can lose your capital in a matter of seconds if the trade moves against you. Many brokers offer leveraged instruments such as CFDs, options and futures. They also offer leverage on stock trading.

However, for buying stocks on leverage, you have the option to deposit securities or cash as collateral for the loan and the stocks you purchase, serve as additional collateral. The stock will be used to pay the broker if the market does not go your way.

Restrictions on Leverage

Given the risks, multiple Tier-1 regulators have restricted the leverage which CFD brokers can offer to retail traders.

In 2019, ESMA published restrictions on leverage to protect retail traders from leverage risk. Similar restrictions were imposed by FCA In the UK.

The Financial Conduct Authority (FCA) for example have adopted the following restrictions for Contract for Difference (CFD) & CFD like options:

Leverage for CFD & CFD like options has been restricted to between 30:1 & 2:1 depending on underlying Asset volatility
Brokers are to close customers positions once their funds drop to 50% of required maintenance margin
All Brokers are to provide their customers Negative Balance Protection (NBP)
No more offering of Bonuses to current and potential customers to encourage trading.
Brokers to put up a risk warning telling customers the percentage of retail customers that lose money trading CFDs

But not all brokers have to follow these restrictions, and some brokers even encourage the use of excessive leverage.

As per this website, there are only a few FCA licensed forex brokers operating in the UK, but there are many international brokers which are not licensed by the FCA & ESMA regulators, but still actively accept traders from the UK & the EU.

Some of these brokers are not regulated in any Tier-1 regulation like the ASIC or similar regulatory body, and are mostly registered offshore. So, these brokers are able to offer high leverage to clients on derivative products such as CFDs, as a marketing strategy to attract more clients.

These brokers are not regulated in EU & the UK, but they still target & use marketing to attract retail traders in these regions.

To use higher leverage, some traders’ signup with these foreign unregulated brokerages, and this exposes them to third-party risks associated with these unregulated brokers who act as counter party against the traders, and also puts them at risk of losing all their capital to these brokers due to excessive risks.

The Mechanics of Leverage and Margin

Leverage is a potent tool traders have in their toolbox if you need to take more risk. However, experts are of the opinion that it is used ignorantly which leads to abuse.

As the saying goes “when the use of a thing is not known, abuse becomes inevitable”.

Let’s look at the mechanism behind leverage.

Leverage tells us the ratio between the amount of money a trader has and the amount of trade he can open. A leverage of 1:30 means for every $1, you can trade assets 30 times in size.

If you have $100 and your broker then offers you a 1:30 leverage, it increases your capital 30 times to $3,000 but if the leverage were higher at say 1:100, it increases your capital 100 times to $10,000.

There are different concepts of margin to take note of they are discussed below:

Account Equity is the total amount of money or stock you have in your margin account. It is your usable margin.
Initial margin is the amount of cash or stock you must deposit as collateral while your broker loans you the rest. It is always expressed as a percentage. Initial margin and leverage share an inverse relationship. If leverage is 1:30, initial margin is 1/30 or 3.33%
The margin is required to be able to use leverage. Without margin, your broker or bank will not allow you access to leverage.
Usable margin is the amount of account equity left after taking out initial margin.
Margin level is the percentage of usable margin equity you are supposed to keep in your account at all times. It should always be above 100%.

Once your margin level drops to 100%, you cannot initiate new trades anymore and your broker will notify you immediately. Margin level is calculated with formula: Margin level = (equity/initial margin) x 100

When you lose a leveraged Trade

The more you trade, the more you keep drawing down your Equity usable margin. When your margin level falls to 100%, your broker places a margin call across to you.

A margin call is a situation where the money in your margin account is less than your potential loss.

This means that the money used as collateral cannot offset your loses. At this point, your broker requests you to make additional cash or stock deposits to your margin account failing which all your open positions will be closed.

Example

Assume you have a margin account with $10,000 equity in it. If GBP/USD currency pair is exchanging at $1.23 and you predict the exchange rate will rise you can buy CFDs to profit from that rise.

One CFD is always equivalent to one GBP/USD pair so a standard lot of 100,000 units will require 100,000 units of CFD

100,000 units of CFD should cost you $123,000 of your own cash. However, with a leverage of 1:30 and initial margin of 3.33%.

For the sake of easier calculation, let’s say that you will need to deposit just 3% of $123,000 or $3,690 while your broker lends you the balance.

Your usable margin equity reduces to $6,310 (i.e., $10,000 – $3,690)

Your margin level is now = ($10,000/$3,690) x 100 = 271%

Now if your prediction was wrong and GBP/USD exchange rate drops by 5% you lose $6,150 meaning you lost all the initial margin of $3,690 and will now deplete your equity by $2,460

Your new usable margin equity reduces to $3,850 (i.e., $6,310 – $2,460)

If you open another position, say for 100,000 units of CFDs of EUR/USD exchanging at $1.29 it should cost you $129,000 but with leverage of 1:30 you only need to deposit $3,870

New margin level is now = ($3,850/$3,870) x 100 = 99%

Now since your margin level is below 100% you will receive a notification from your broker to deposit more cash into your margin account so your margin level can climb above 100%.

FCA regulation related to the restrictions on CFDs sold to retail traders states under 1.15 that once your margin level falls to 50%, all the open trades will be closed.

This is considered important so that the CFD broker can prevent their losses result from client’s exposure & a trader doesn’t risk going into negative, especially during volatile market seasons.

Preventing a Margin Call

For stock traders, avoid illiquid & volatile stocks that will most likely shed its market value.
Avoid excessive leverage when trading both forex and stocks. The ideal leverage should not exceed 1:5 and 1:2 for both forex and stocks respectively.
Do not trade out of the fear of missing out (FOMO). Rather your trade should be meticulously planned and fastidiously executed.
Keep spare money for margin call requirements.
Use stop loss orders

Key Takeaway

In all activities in the financial market, trading or investing with leverage is a two-way street and it mostly results in huge losses.

If you are a retail trader, you should not be too greedy when applying leverage in your trade. Always watch the markets for volatility, and when you notice the markets are extremely volatile, then use leverage sparingly.

Don’t forget to use stop loss orders to manage your risks. Stop loss orders let you set a stop price such that once the underlying asset price crosses the stop price, your open positions are automatically closed and you cut your losses.

Lastly, before you trade with leverage make sure you understand the underlying asset and do your research. If you don’t understand it, don’t trade it.

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Some of the Great Benefits of Outsourcing Parts of Your Business

May 13, 2022

The latest trend in business is outsourcing. The term ‘outsourcing’ refers to sending out tasks to third-party services, who complete them and send them back. Some of the things commonly outsourced include accountancy, human resources, and recruitment. Considering that the world’s leading businesses are all outsourcing, it shouldn’t come as a surprise that there are myriad benefits associated with it. In fact, loads of companies have decided to outsource one part, for instance, their HR department to Global PEO agencies

You don’t have to be a big business to benefit from outsourcing, however. Many would argue that it is in fact the smallest businesses that benefit most. This post will outline some of the best benefits associated with outsourcing:

Customer Service

The main service outsourced by businesses is customer service. This is because running and maintaining a customer service department in-house can be very difficult, not to mention costly. The country that is most commonly outsourced to for customer service is India. Some of the benefits of outsourcing work to India include that they are one of the world’s most proficient nations in terms of the English language and it is very budget-friendly. If you want to transform your customer service department, then outsourcing needs to be given some consideration.

Lower Costs

Outsourcing can save your business a lot of money, in a few different ways. One of the main ways that outsourcing saves money is because by outsourcing to professionals, you are able to stick to smaller budgets and only pay for what you need– you won’t have to pay full-time staff. If you hired full-time accountancy staff for example, then you would have to pay them five days a week, despite only needing them for an hour a day (or perhaps less). Another way that outsourcing can save you money is because you are able to avoid making major investments in software and infrastructure.

Increased Efficiency

By outsourcing, you are able to save time. When you have more time you are able to focus on core competencies more efficiently, which increases your company’s productivity. The tasks that are outsourced are also completed more efficiently because the people completing them aren’t bogged down with myriad other things. The people working on your business’s tasks will focus on them entirely, without distraction. The same cannot be said for your business’s in-house staff, who probably have hundreds of other things to do. Increased efficiency will make your business easier to run and more profitable.

Core Competencies

Outsourcing allows your staff to focus on their core competencies. By being able to commit time to their strengths, they are able to significantly improve their performance. By allowing staff to focus on their strengths, you can benefit from their talents. With this said, you do need to make sure that you hire specialists. If you do not hire specialists, then outsourcing won’t make much of a difference in terms of your staff focusing on their strengths (because they won’t have any). In terms of your business’s actual core competencies, outsourcing them can improve efficiency, but on the other hand, can result in negative organisational changes.

Increased Flexibility

Outsourcing will increase your company’s flexibility. More flexibility is always good. A higher level of flexibility can help your business to attract better employees and can reduce recruitment costs. Additionally, flexibility can improve general job satisfaction and staff morale. Because you are outsourcing tasks, staff won’t be fixed to one specific thing and can move around freely. It is often administrative tasks that are automated. It just so happens that these are the tasks that are mind-numbingly boring and significantly decrease staff morale. By eliminating them, staff can focus on more important things.

Accelerated Time

Repetitive administrative tasks can be very boring. When your staff find something boring, they are more likely to complete tasks related to it with less enthusiasm. A reduction in enthusiasm can in turn mean that tasks are completed slower. This isn’t a problem that you will face when you outsource. Outsourcing agencies hire specialists, who complete tasks diligently and efficiently. By outsourcing, you will ensure that all tasks are completed on time or even early. Accelerated turnover time can improve overall company efficiency and help you to meet important deadlines faster.

Infrastructure Investment

Saving money allows you to invest it elsewhere, in more important areas. Paying for unnecessary full-time staff can suck hundreds of thousands of dollars out of your business’s savings. This same money could be applied to investing in important infrastructure for your business, like software. You can also invest in additional things that will improve your business’s overall performance. It’s also good to have a little money set aside, in case anything were to go wrong with your business. Saving money is something that’s not always possible when you are paying full-time staff, for very little work. They can be a real drain.

Thought Leadership

Thought leadership is very important to a business’s success. You can actually outsource your thought leadership if you don’t have the time set aside to dedicate to it. If you are going to outsource thought leadership, then you need to make sure that you find a specialist agency to work with. Your business’s thought leadership isn’t something that should be taken lightly. The best way to determine whether or not an agency is worth working with is to check out their reviews and read what other users have to say about them online. Thought leadership should be taken very seriously, so make sure that you interview every agency that you are considering working with. This is so that you can ascertain how committed they are to their work.

Better Focus

One last benefit to outsourcing is that it will increase your business’s overall focus. As mentioned earlier, when staff aren’t bogged down with meaningless administrative tasks they can focus on self-improvement. They can also focus on completing tasks diligently and effectively. Better focus results in better performance. With that said, you do need to make sure that you hire qualified and specialist staff members.

Outsourcing parts of your business can improve your business’s overall performance. A better performing business means a more profitable business. If you want to begin outsourcing, then carefully look around and select an agency that’s perfect for you. Read their reviews, and testimonials, and interview them.

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Cooling Tower Systems

May 13, 2022

A cooling tower system is a special device designed to cool water with a stream of atmospheric air. Industrial cooling towers are the most economical and efficient way to cool large volumes of water and various liquids because they do not use ammonia, freon and other substances involved in heat exchange, which require additional electricity. The need to cool hot water arises when a manufacturing process requires it or when cooling water for a chiller with a water condenser.

How Cooling Tower Systems Work?

The principle of operation of any type of industrial cooling tower is based on the cooling of water or other liquid by atmospheric air. The air in this case acts as a refrigerant, which distinguishes the cooling tower from other types of refrigeration units. There are two types of such systems:

open cooling tower;
closed cooling tower.

In any industrial cooling tower, the principle of operation is based on the cooling of water or other liquid by atmospheric air. The air in this case acts as a refrigerant, which distinguishes the cooling tower from other types of refrigeration units.

Types of Cooling Tower Systems

Due to the developed surface of the sprinkler, a uniform flow of water in the form of a thin film is ensured. At the same time, effective cooling of water in open cooling tower systems is ensured by the oncoming flow of outside air. A small amount of water evaporates, and the bulk of the chilled water enters the cooling tower sump. Before returning to the system, the water is mechanically cleaned in a strainer.

The evaporated water is compensated by opening the make-up valve connected to the water supply system. The required minimum water level in the sump is maintained by the joint operation of the water level switch and the make-up valve. In the event of an emergency overshoot, excess water is removed from the cooling tower through an overflow pipeline.

In closed-type cooling tower systems, a sealed heat exchanger is located through which water or cooling liquid of the main circuit passes, and the heat exchanger itself is cooled by water and air from the external environment. Thanks to this arrangement, the contact of circulating water with the environment is excluded, which means that various debris and contaminants are excluded from entering the circuit.

What are the Components of HVAC Cooling Towers?

The fan cooling tower has a vertical layout and consists of three main parts:

pan;
casing;
fan.

The welded pan is the base of the cooling towers and serves to drain the chilled water. The pallet has vertical racks on which the cooling tower body is attached from above. The cooling tower housing is a welded box-shaped structure and serves as a working area for cooling water. Inside the housing are located — a water distributor, a sprinkler, and a drop catcher.

In the lower part of the housing, there are guides on which the sprinkler is installed, and a canopy is welded along the perimeter to drain water from the air intake windows of the cooling towers. The upper part of the HVAC cooling tower housing ends with a transitional cone with a flange on which the fan is installed. The front wall and rear wall of the body are made removable and are bolted to the body. The front and rear walls of the housing have viewing windows that allow you to monitor the operation of the nozzles. Baikal Mechanical being professional in the installation of HVAC cooling towers will gladly help you to choose the system for your manufacture, which provides a given performance at a wet-bulb temperature of 18°C and relative humidity of 57%.

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European Mail Order Bride Guide In 2022

May 12, 2022

Reviewed by gobrides.net

It’s no secret that European girls are some of the most gorgeous ladies in the world. Pair that with a culture similar to yours, a traditional outlook on families, and loyalty.

You’ve got the recipe for the perfect wife for Western men. By the time you’re done reading this article, you’ll know all about the best dating sites to use, and what to know when dating European ladies.

7 Best Dating Sites to Find European Women

If you’re looking for a serious relationship, you need a reliable dating site. The 7 platforms recommended here will help you find many women of different nationalities, all of whom want the same thing as you: a perfect match. Take a peek:

JollyRomance

Best for	Meeting hot European girls
Number of visits per month	143.7K
Free features	Find new users through their posts on the Newsfeed Check out user’s profiles and photos for free
Mobile app	No
Review	Read review
Site	JollyRomance.com

BravoDate

Best for	Meeting Eastern European girls
Number of visits per month	626.9K
Free features	Newsfeed where ladies post pictures and statuses about their daily life User photos are free to access
Mobile app	No
Review	Read review
Site	BravoDate.com

UkraineBride4You

Best for	Meeting Ukrainian women
Number of visits per month	<50K
Free features	Basic prewritten “Hi” messages are free In depth search filter lets you easily find the best partner for you
Mobile app	Yes
Review	Read review
Site	UkraineBrides4you.com

TheLuckyDate

Best for	Meeting European Women
Number of visits per month	75.3K
Free features	View user profiles Like and Favorite users for free
Mobile app	No
Review	Read review
Site	TheLuckyDate.com

AmourFactory

Best for	Finding cute European girls
Number of visits per month	108K
Free features	Like/Skip game lets you easily match with potential partners Stay up to date about active users with the Newsfeed
Mobile app	No
Review	Read review
Site	AmourFactory.com

SingleSlavic

Best for	Finding Eastern European girls
Number of visits per month	<50K
Free features	2 free basic “Hi” messages available per day Easy to use search filter
Mobile app	Yes
Site	SingleSlavic.com

AmourFeel

Best for	Meeting European ladies
Number of visits per month	690.8K
Free features	20 free credits received upon signing up Check out all user photos from their profiles
Mobile app	No
Review	Read review
Site	AmourFeel.com

? Check out more European dating sites.

Find your best Eastern European Bride

Vika, 20

Location: Vinnitsya, Ukraine

Occupation: Student

Children: None

About Me: I’m looking for a man that loves me for what I am and who I am, age is not an issue for me to build a relationship, I want to be honest, respectful and above all faithful, have a good time together with my man, have fun, do strange things to be happy, always be a romantic, passionate and above all very loving.

Site: TheLuckyDate.com

Lylia, 22

Location: Kyiv, Ukraine

Occupation: Aircraft engine designer

Children: None

About Me: It is very important for me to find a person on this site who will understand me and accept me as I am. I don’t want complicated and long conversations. The seriousness and openness of a person is important to me. I want to see sincerity and honesty.

Site: Bravodate.com

Top 10 things to know about Eastern European brides: Popular questions with answers

Before you make the most important decision of your life, you need to know what European mail order wives are really like.

After all, you don’t want to be in the dark when you get married to a European woman. Here’s a quick read that’ll help enlighten you:

European Brides: Who Are They?

Europe is an extremely diverse continent. When you’re using international dating sites, you’ll have the opportunity to talk to Italian women, Ukrainian women, Russian girls and plenty of ladies from other countries.

Each nation has its own unique attributes. Beautiful Italian women are known for their slender legs and musical voices. Ladies from countries bordering the Mediterranean Sea are known for their tanned skin and their beach bodies.

Whatever the type of woman is that you want, you’ll find a beautiful bride from Europe who’ll check every box.

What Makes A European Woman The Best Wife?

Beautiful European women make the best brides for a vast variety of reasons. Here’s a few that might intrigue you:

European mail order brides are naturally beautiful. They almost rarely go out of their way to use makeup, and when they do, they always use natural makeup.
European mail order wives are well educated. Compared to their Asian counterparts, European singles have access to higher quality education and opportunities, and they’re eager to take advantage of it.
European ladies are a great partner because they give immense importance to family life. They focus solely on serious relationships and prefer the traditional way of life where the man is the breadwinner and the woman looks after the home.
When you’re dating European women, you’ll be taken aback by how fiercely loyal these girls are. You won’t ever have to worry about your woman being unfaithful when you’re with a European mail order bride.
European wives are extremely attractive. Staying fit is important to them, so they take their self development very seriously.

Where To Meet Eastern European Mail Order Brides?

If you wanna meet an Eastern European girl online:

Use dating sites made specifically for Eastern Europe. Sites like UkraineBride4You, SingleSlavic and AmourFactory are your best bets.
Try to use platforms with an autotranslation feature, as Eastern European women won’t speak English as fluently as you.
Unless you’re speaking to Russian women, don’t default to using Russian. You especially don’t want to make the assumption that a girl is Russian just because she’s Eastern European. One of the worst things you could do is assume that the Polish women you’re speaking to are Russian, because you’ll ruin your chances with them.

If you wanna meet Eastern European brides offline:

This phase comes after getting acquainted online over a long period of time. Make sure she’s really ready to meet you in person.
The first meeting should be in a public place, like an upscale restaurant. Always bring flowers! Remember, the rules for bouquets can change depending on the country she’s from, so do your research.

✅ Pros of online dating:

You can talk to multiple European wives at once
You won’t be nervous when you’re chatting with beautiful ladies online as it’s far less personal.

❌ Cons of online dating:

You won’t be able to take the relationship to the next level without meeting in person
Over time, the cost of conversation starts to build up

✅ Pros of meeting offline:

You finally get to meet the Eastern European lady of your dreams
Physical intimacy is no longer off the table, and that’s one of the most vital facets of any relationship
When you go to Eastern European countries, you typically have the advantage in currency, which lets you live a lavish life.

❌ Cons of meeting offline:

Flight tickets are absurdly expensive, bordering a thousand dollars for a round trip flight.
On the off chance it doesn’t work out, you run the risk of feeling like you spent your money with no payoff.

Is It Difficult dating an Eastern European mail order bride?

Eastern European women have a weaker grasp on English compared to ladies from Western Europe. Aside from this, women from Eastern Europe are typically old fashioned when it comes to families, where the man is the money maker and the woman takes care of the home and kids.

If you consider yourself a traditional man and prefer this, then what’s considered the problem with Eastern European brides is actually a blessing for you. Aside from these differences, you won’t have any grievances when you’re dating women from Eastern European countries.

What to expect when dating a European Girl?

Depending on the region your future European wife is from, you might experience some slight cultural differences. The further East your European bride is from, the more likely it is that she was raised with patriarchal traditions, where she’ll expect you to be a macho man and she would prefer to be a stay at home wife.

If your potential bride is from the West, expect a more liberal type of woman who’s assertive and has similarities in culture with you.

Is there usually a language barrier with European brides?

European brides typically speak English on a fluent to semi-fluent scale. As a general rule, the further West a European mail order wife is from, the more likely she is to speak English well.

Eastern European brides also speak quite a bit of English, albeit at a lower level than their Western counterparts.

However, this isn’t an issue when you’re using the translation services offered on sites such as SingleSlavic and TheLuckyDate.

? Check out more International dating sites.

Does an age difference matter to European mail order brides?

This depends on where your potential bride is from. When it comes to an Eastern European mail order bride, they prefer their foreign husband to be at least a few years older than them, as they have a traditional outlook on marriages.

For European ladies from the West, they’re far more lax when it comes to the age of their potential husband. You could even be younger than them, and they won’t bat an eye.

How much do Eastern European mail order brides cost?

First off, you aren’t purchasing a person, rather for the communication service. The cost for Eastern European brides can vary depending on the site you choose to use. These platforms typically have a “pay per message” system. For chatting alone, you could spend a few hundred dollars.

The real expenses begin when you’ve found the perfect European woman for you. Since you’ll want to meet the bride in real life, you’ll have to spend money on flight tickets. If you live in the US, a round trip flight to Europe can cost on average $600 to $900.

Following this, you’ll have to pay for hotel costs, dates, gifts, transportation, and the wedding itself. You’ll also have to pay for your bride’s visa, which will cost over $800.

As a general rule of thumb, you can expect to spend over $5000 on a European mail order bride. For a trustworthy lifelong partner, that’s a bargain.

Are marriages to Eastern European brides legal?

Marriages to Eastern European brides are perfectly legal. There is no red tape when it comes to meeting Eastern European girls online, and later getting married to them. It’s a matter of charisma, perseverance, and finances.

Once you’re married, you’ll need to secure a visa for your bride in order to bring her to your home country.

How to marry a European woman?

Once you’ve charmed a European girl off her feet, all the two of you need is to figure out what kind of wedding you want, where you want it, and who to invite. The legal procedures for getting married are fairly simple.

Depending on the country you’re getting married in, you’ll both need a valid passport, proof of your home address, a visa, and so on. There are some costs to be paid, but they’re relatively negligible.

Final thoughts about European brides

If you manage to find a European woman to marry, you can be certain that the rest of your days will pass blissfully. A European wife will love and care for you no matter what. This is a decision you will never regret.

If you’re ready to date European women, start searching on one of the sites recommended here, and you’ll have yourself a European wife in no time.

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Progress of Bitcoin in North Macedonia and the World

May 12, 2022

Bitcoin is a decentralized digital currency, without a central bank or single administrator, that can be sent from user to user on the peer-to-peer bitcoin network without the need for intermediaries. Transactions are verified by network nodes through cryptography and recorded in a public distributed ledger called a blockchain. Bitcoin is unique in that there are a finite number of them: 21 million. Explore bitcoin decoder for further guidelines..

Bitcoins are created as a reward for a process known as mining. They can be exchanged for other currencies, products, and services.[17] As of February 2015, over 100,000 merchants and vendors accepted bitcoin as payment.[18]

According to research produced by Cambridge University in 2017, there are 2.9 to 5.8 million unique users using a cryptocurrency wallet, most of them using bitcoin.

The first wallet program was released in 2009 by Satoshi Nakamoto as open-source software.[19]

On 1 August 2017, a hard fork of bitcoin was created, known as Bitcoin Cash.

As of May 2018, the total value of all existing bitcoins exceeded 100 billion US dollars, with millions of dollars worth of bitcoins exchanged daily.

North Macedonia is a country located in the Balkan peninsula in Southeast Europe. It has a population of 2.06 million and a territory of 25,713 square kilometers. North Macedonia is a landlocked country bordered by Kosovo to the northwest, Serbia to the north, Bulgaria to the east, Greece to the south, and Albania to the west. Its capital is Skopje, and the official languages are Macedonian and Albanian.

North Macedonia has been a member of the United Nations since 1993, a member of the Council of Europe since 1995, and a founding member of the Organization for Security and Co-operation in Europe (OSCE) since 1999. Since 2005, it has also been a candidate for joining the European Union and has applied for NATO membership. North Macedonia’s economy is based on agriculture, timber, mining, metallurgy, construction materials, textiles, food processing, and tourism.

The country’s currency is the denar (MKD).

As of 2018, there were no known Bitcoin businesses or exchanges in North Macedonia.

The use of Bitcoin is not regulated in North Macedonia as of yet. The National Bank of the Republic of North Macedonia has issued a warning to the public about the risks associated with investing in virtual currencies, including Bitcoin. The Bank has stated that it does not recognize virtual currencies as legal tender and that no regulatory protections exist for investors.

However, the use of Bitcoin is not currently prohibited and there are no known restrictions on Bitcoin businesses in North Macedonia.

Role of Bitcoin Trading in North Macedonia’s Economy

Bitcoin trading has become increasingly popular in North Macedonia in recent years, as the country’s economy has grown and more people have looked to invest in cryptocurrencies. Bitcoin trading platforms like LocalBitcoins have seen a significant uptick in trade volume in North Macedonia, as investors seek to take advantage of the country’s booming economy.

The North Macedonian economy has been growing rapidly in recent years, thanks in part to foreign investment. The country has attracted a number of international businesses, including Google and Amazon, which have set up data centers in the country. This influx of investment has helped to boost the economy and create jobs.

Cryptocurrency trading has also become popular in North Macedonia, as investors look to cash in on the volatile prices of digital currencies. Bitcoin trading platforms like LocalBitcoins have seen a significant uptick in trade volume in North Macedonia, as investors seek to take advantage of the country’s booming economy.

The North Macedonian government has been supportive of the cryptocurrency industry and has even announced plans to launch its own digital currency, the denar coin. The denar coin is intended to be used as a national payment system and will be backed by the country’s reserves of a denar.

Cryptocurrency trading can be a risky investment, but it can also offer substantial rewards. For investors looking to take advantage of North Macedonia’s booming economy, bitcoin trading may be worth considering.

Future of Bitcoin Trading in North Macedonia

It is no secret that Bitcoin and other cryptocurrencies have been on the rise in recent years, with more and more people investing in them. This trend looks set to continue in the future, and North Macedonia is no exception. In fact, there are a number of reasons why North Macedonia could become a hotbed for Bitcoin trading in the future.

First of all, North Macedonia is home to a number of tech-savvy young people who are interested in new technologies. This means that there is already a large pool of potential traders who are familiar with the basics of how Bitcoin works.

Secondly, North Macedonia has a very favorable regulatory environment for cryptocurrencies. The country has no specific laws or regulations regarding cryptocurrencies, which means that they are currently treated as financial assets. This is likely to change in the future, but for now, it provides a great opportunity for those looking to trade Bitcoin.

Finally, North Macedonia is positioning itself as a hub for innovation and technology. This is evident in the government’s recent decision to offer a $100 million prize for the development of a decentralized internet. This shows that the country is open to new technologies and is willing to invest in them.

All of these factors combined make North Macedonia an ideal place for Bitcoin trading. With a large pool of potential traders and a favorable regulatory environment, there is no doubt that North Macedonia will become a major player in the world of Bitcoin trading in the years to come.

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Things to Know About Buying a Home

May 12, 2022

Buying a home is a huge financial investment and you deserve to feel confident throughout the process. In this article, we’re discussing all of the things you should know about your home mortgage before you get serious about your decision.

When making a decision on your home, you should ensure you understand all of the home specifics, such as closing costs, interest rates, and your loan terms. You should also understand how the market plays into your decision and what some of your negotiating power is.

Settle On a Definitive Settlement Amount

Before you sign the big deal, you need to take some time to decide whether you can afford it. Home loan repayments and the costs of owning a home can greatly impact your budget more than rent payments. You have to consider closing costs and insurance costs as well as how interest plays into your financial plan over time. You should consider the maximum repayment that you are willing to put toward your loan and you can use our repayment calculator to gather an estimate of what repayments are.

At this stage, you will need to decide what your down payment will be. In most cases, you want it to be at least 10% of the property value, no matter how much you can borrow. It’s still important to understand how much the bank will be able to loan you. If you decide you can handle all of the costs associated with a home loan, you should consider speaking with a home loan advisor who can walk you through all of your mortgage options. They will also be able to walk you through the pre approval process to give you a better idea of what you can qualify for.

Don’t Forget the Hidden Costs

As we touched on, the costs of owning a home are much different than those of renting a home. Before you think about closing on your new home, consider the following expenditures:

Closing costs
Moving costs
Maintenance and Repairs
Homeowners’ insurance
Mortgage insurance (MIP or PMI)
HOA fees
Utilities

The Search Is Critical

The more legwork you do on your home loan, the more you will be prepared for whatever the process throws at you. B Street buyers agents in Sydney note that you will be far less likely to overpay for your home if you avoid selecting something you don’t want. The following tips will come in handy when conducting your search:

Decide on the areas where you would like to live.
Search the recent sales prices for your location and compare them with the suburb profiles on real estate websites.
Reach out to local agents to find out their sentiments on the current status of the market for the Cincinnati homes for sale.
Chat with local agents to gain a better understanding of how the market trades.

Deciding on what can potentially improve your property value is just as important as deciding the most important elements of your home. Try considering things such as the areas school zone, future building plans, transport options, and access to amenities like grocery stores.

Consider Renovation

If you already have a home, you should consider renovating as it could boost your property value and equity. There are costs to consider with renovation but you have a tremendous asset at your disposal and you should use it.

Be Confident

Buying a home is one of the largest – if not the largest – investments you’ll ever make, so you should make sure you aren’t impulse buying like you would in the check-out line at the grocery store. Remember, if you don’t feel comfortable with your decision, you can always walk away before you’re too far in the closing process. There are other properties out there and you shouldn’t buy a property in hast because you feel you need to.

As with any other financial investment, you shouldn’t be investing in a home because of emotions. Of course you’re going to be emotionally invested in a purchase of this size but make sure you also make your decision based on logic. Even after signing a purchase contract, you will have to wait a few days for it to clear so you can think about the purchase and potentially back out if the details aren’t in your favor.

When you’re ready to negotiate, here are some tips. Consider supply and demand. If you notice there is no one else in the property, you need to conduct an investigation into why that is. Are there other similar houses that might drive the property’s value down? If this is the case, you might be able to make an offer below the asking price. ON the other hand, you will want to uncover if there is anything wrong with the property.

You should also flow with the market and not the asking price. Remember, sellers are trying to get more than the market worth for their investment – that’s how they turn a profit. You’re trying to get the house for below asking price and potentially below market price. Never use the seller’s asking price as the starting point. Price also isn’t the only negotiating tool. You can also debate settlement terms based on things such as your home inspection or appraisal.

Local Market Indicators

Local market indicators can be tricky because you have little control over them and it’s hard to stifle your emotions in the face of their sway. The market can be an unforgiving place and the reality is you might never have your dream home in the location you hoped for. Some market values also dictate whether or not owning is even an option. You have to base your decision on the market as much as your personal preferences.

Conclusion- Things to Know About Buying a Home

If you’re considering buying a home, you need to carefully consider all of the specifics before you pull the trigger. Looking at your preferences, what the market factors are, and all of the associated costs will ensure that you get the home you’ve been looking for without any drawbacks. Once you are certain about pulling the trigger on a home, you should speak with an experienced loan advisor who can walk you through your decision. We at Blueprint we buy homes San Diego we help every one of our clients in these areas to help ensure a smoother process when selling a home.

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Which Real Property in Dubai is Profitable to Invest in 2022

May 12, 2022

Overseas real property in the UAE looks more and more attractive in the minds of foreigners. And if for a long time the housing stock in the country was more interested in those who are planning to move to permanent residence, then in recent years, citizens of other countries have been actively purchasing apartments and apartments as investments. Dubai has leadership in this area. The property in Dubai at best prices allows you not only to secure money from inflation, but also to get a return on investment. Let’s consider why it is profitable to invest in housing in the largest emirate of the country and what properties can bring the most income.

Five reasons to invest in Dubai real property

It is not only year-round summer that attracts attention to the city. Other reasons to acquire real property include:

Attractive prices. They can hardly be called affordable for a limited budget, but when compared with the cost of real property in large metropolitan districts in Europe and the United States, you can clearly see that Dubai’s housing stock is cheaper. It is also worth noting that even the secondary properties fully comply with modern requirements for high quality standards.
Growing demand. It provides not only the liquidity of housing upon incurrence of such a desire, but also a significant income from its rental. Almost 90% of the emirate are expats, so apartments for rent are always in demand. At the same time, the value of the rent permits to receive up to 8% of profit annually.
No taxes. Natural persons are exempted from paying them, which allows them to legally receive net income from renting out property.
High quality of life. The developed infrastructure, increased attention to the social sphere, the development of medicine, education makes living in the emirate comfortable.
The housing price capitalization. Trends in the real property market last year clearly demonstrated the increase in prices for all types of housing stock.

Is it worth to invest only in apartments

Buyer preferences in the real property market have changed radically since the beginning of the pandemic. With the widespread imposition of limitations, people have realized the importance of having vacant space, which not only allows you to organize your workplace, but also to pause on the inevitable constant contact with household members. Therefore, if previously the dominant type of investment property was studio apartments or one-bedroom apartments, today we can confidently say that villas and townhouses are no less in demand. Therefore, absolutely any property can be chosen for investment within the existing budget. The investment profitability depends only on the quality of housing and its location.

The best districts of Dubai for investment

Vacationers prefer housing on the coast. Among the districts in demand, Dubai Marina is worth to note, which is considered the center of the tourist flow. Palm Jumeirah is no less sought-after, which is invariably associated with luxury. No less popular are the central districts of the metropolis: Downtown Dubai, Business Bay. For detailed information about popular emirate locations and offers from developers and real property agencies, see the official website https://emirates.estate/.

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5 Tips to Make Corporate Travel Easy for Your Employees

May 12, 2022

Every business reaches growth that pushes it to move to other locations. When this time comes, travel becomes necessary. You and your employees might need to move from one branch of your business to another. This can lead to leaking of finances and other issues if not managed properly.

It is vital to know how you can streamline your corporate travel. You can use various ways to ensure you and your team have the best travel experiences. This article will discuss the various ways to make corporate traveling rewarding for you and your team.

Let’s get into how you can make corporate traveling easy in your company.

1. Create Corporate Travel Guidelines

It is always essential to have corporate travel guidelines for you and your employees. Traveling abroad comes with a wide range of risks. To make it easy, you need to develop ways to prevent these risks. Setting travel guidelines and maintaining them can make everything easy.

It will help mitigate accidents and any other emergencies while traveling. It will also help you bond with employees, and they’ll positively represent your brand. When it comes to these kinds of business guidelines, it is important to find the right balance of strict and fun.

2. Plan for Accommodation Beforehand

Early planning for corporate travel makes sure that everything goes without a hitch. But some business owners wait until it is too late to plan. One of the things that require prior planning is accommodation. It is vital to ensure you plan where you and your team will spend time while abroad.

If you book hotels, do that a few days before the traveling dates. Research online for the best hotels in the location you’re visiting. You can find corporate apartments in Boston and other cities in the world. This makes it easy to find a safe place for them to settle during the trip.

You can narrow your search to furnished apartments in Los Angeles should you be traveling in this part of California. This will help you find short-term corporate housing designed for comfort. Such corporate apartments have everything you need to enjoy your stay. You can be sure that they’ll make your business trip easy.

3. Reward Your Employees

It takes a lot to travel to a new place for business purposes. Waking up to daily work and managing workflow away from the office takes a lot of energy. Thus, it would be best to show your team that you recognize their efforts. You can do this by finding them the best accommodation.

But you can go a step further to make them feel appreciated. One way to do this is by setting up a rewards scheme in your company. You can design it to discourage excessive spending while on business trips. For instance, you can set the maximum one needs to spend to get a reward.

This can be a constant reminder to your employees that they need to limit their spending. It can help you encourage competition on who spends the least among them. This will make corporate traveling easier and also more affordable for your company.

4. Give Virtual Meetings a Second Thought

Virtual meetings are an excellent alternative to traveling. Moving away from your business premise comes with various issues. First, it leads to partial or total business disruption. This means you might not achieve the same level of productivity you’re used to.

Also, it comes with costs that you might not have budgeted for. Thus, it’s a good idea to consider the viability of virtual meetings. You should check if apps like Zoom can help you achieve your plans. Also, there are many other video conferencing software tools out there.

But this is not to say that you should replace virtual meetings with corporate travel. It is easier to strike a deal if you meet with the other party in person. Corporate travel and in-person meetings bring the best results.

5. Ensure Clear Communication

Communication is vital whether at work or when traveling. You cannot do much or achieve your desired level of productivity if your communication isn’t effective. It’s always essential to keep in touch with your traveling team. Otherwise, they might feel lost should anything happen.

As mentioned before, you need first to communicate the guidelines. You’ll leave room for error if you do not communicate well. Also, you won’t be able to offer employees support if you do not communicate. Thus, you should set up an avenue for continuous engagement and feedback.

6. Simplify Processes

Traveling can be tricky, especially when going abroad. You need to ensure a lot to get the best experience from your travels. The whole process can end up being cumbersome and time-consuming. Thus, it can help to find a way to simplify and speed up all the steps.

The easiest way to simplify processes is by knowing what pains your team. You can create a survey to help collect views. They can help you identify what needs to change to make the traveling process easier. It would be best if you acted on their feedback in good time to ensure satisfaction.

Corporate Travel Can Never Get Easier

This post has provided a background view of easy corporate traveling. You should not lose money in between your travels. If you run a business, you should aim at spending the least amount to ensure you make profits. You can, for instance, consider holding virtual meetings.

You can also ensure you have clear travel policies. Please share them with your team so that all of them know the dos and don’ts of corporate travel. You can also reduce traveling to only when it is necessary. This will reduce the wastage of business finances on unnecessary trips.

Every tip shared in this article will help take your business to the next level. You can start implementing them in your business slowly. You’ll eventually become better at planning successful corporate travels. Also, your company will start closing more deals in the end.

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9 Tips to Follow to Have A Healthy Return in Stock Market

May 12, 2022

Investing in the stock market can be an excellent idea. However, it also comes with a lot of risks considering how volatile it is. The stock market can be highly influenced by outside factors which makes the soar or plummet instantly.

But one way to make returns in this industry is by selling stock shared at a profit. You can also use short selling or collect dividends. It would also be of great help if you are knowledgeable enough to know when to cash in or out.

Investing in the stock market is an art. You need to learn to invest in stocks from scratch and grow your knowledge with time. The best way to discover it is to do your proper research and analysis.

But aside from that, the following tips could also help you become an intelligent investor. Here are the things you should do:

1. Avoid the Herd Mentality

The herd mentality is an investment strategy that many people use today. It means making decisions by following the action of the masses. This investing psychology is for investors who do not have a rational view of the market. It would be best to avoid it by all means as a stock investor.

Many people fall for this mentality due to intense social pressure. It’s also due to the common belief that the masses can never be wrong. You do not have to buy a stock because everyone else is buying it. This strategy won’t be fruitful for you as an investor in the stock market.

2. Always Have a Trading Plan

Investing requires thorough planning for your target stock market investment. Various variables can help an investor develop an excellent trading plan. For instance, they need to check how much time there’s, the risks, and their objectives. The trading plan has a set of rules to guide the investor.

You set trading rules for a specific period, primarily a year. Every good online investing course will teach you how to create an excellent trading plan. You also do not stick to the same trading plan all year long. It’s a good idea always to research and adjust your strategy when there’s a need to.

3. Don’t Time the Market.

Warren Buffett’s advice to investors is that they shouldn’t try to time the market. The reality is that timing the market doesn’t work. All you need to do is identify the best company, then go ahead and buy its stocks. Market predictions can be misleading, and they distract investors.

Market timing has never been consistent, even when it succeeds. It might only work for you in one market cycle and fail in many other cycles. Just consider doing it yourself if you are good at telling the spikes and dips. You’ll know how to read movements as you learn to invest in stocks.

4. Track the Market Like a Pro

The internet has made the world seem like a village. You have no excuse as an investor in the stock market. The internet offers you everything you need to become a pro. For instance, you can find an online investing course that will train you on how to invest in stocks from scratch.

As said before, stock market investment isn’t t easy. It is an art that you need to learn and master over time. Besides taking an investing course, you know more as you keep buying stocks. You can research for tips like the ones in this article and then grow your skills.

5. Avoid Emotional Investing

Basing investment decisions on emotions might not end well for you. It’ll be tricky to make profits if emotions like greed and fear cloud your judgment. The thought that you are about to get rich quickly can affect your decision-making. You might end up making significant losses, or worse, irreversible ones.

Investors must always rely on data from market research. Basing decision-making on data brings an investor the desired results. Even when they lose, they can track down the mistakes and improve on them. Emotional investors don’t reference data to guide future decision-making.

6. Diversify Your Stock Market Portfolio

Investment diversification is critical in the stock market. Stock markets sometimes face adverse conditions that lead to losses. You can avoid this by creating a broad portfolio. This is by putting your money in assets that belong to different classes and instruments.

For instance, you can invest in stock shares of different companies. Also, you can ensure these companies operate in various industries. Spreading your money means a stock that’s making losses doesn’t affect your other investments. You still make optimum returns from other stocks.

7. Set Realistic Expectations

It’s good for an investor to hope for the best. But you should never set unrealistic expectations when investing in stocks. Do not base your assumptions mainly on the statistics you find online. For instance, do not always count on trends that have been there for the last ten years.

You need to hope for the best but always plan for the worst. That will ensure you do not get caught by surprise if things don’t work for you. Study the current trends in your market, then develop a trading plan for that period. It will make it easier for you to get good results.

8. Understand That You Might Lose

This is almost similar to setting realistic expectations. It would be best always to remember that there are losses in the stock market. As an investor, it’s good to invest what you can afford to lose. You will find it easy to accept your losses and tweak your strategy for the future.

Investors take risks, and that’s what you’re doing by putting money in stocks. Investing in stocks can give you massive gains if you invest your surplus funds and be patient.

Conclusion

Now you know what it takes to become an expert investor in the stock market. As mentioned earlier, the first step should be to learn how to invest for beginners. You can do that almost effortlessly using an online investing course.

Those are some of the best tips to implement when investing. For instance, you need to have a trading plan and define your preferred investment approach. In addition, you need to be good at tracking the market. All the tips shared above will help you achieve your investment goals.

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With These 9 Tips, You Can Become Debt-free in Less Than a Year

May 12, 2022

Becoming debt-free isn’t going to happen overnight. Especially if you are in the lower-income spectrum. But, a debt repayment strategy that doesn’t harm your credit score severely and lets you go debt-free in minimal time can be developed with these nine tips.

Most of these tips can be implemented without any outside help. But, in a dire financial situation, consulting a financial planning company won’t hurt.

Being debt-free is what everyone wants. But how can you really achieve it? In this article, we will go into details on the tips on how to live that debt-free life.

1. Increase Income Through Side Hustles

Increasing your income through side hustles, naturally, will help you repay your debts faster. Although the strategy depends on variables like your skillset and career status, spending weekends to earn a little extra might present an opportunity to go debt-free sooner.

Your side hustle doesn’t need to be a second job. Working part-time or freelancing can also be a lucrative source of income if you have enough free time to sharpen your skills and deliver quality work.

The side income may not seem much at a glance, but an additional $500 per month will allow you to pay off a debt of $6000 within a year.

2. Increase Debt Repayment

Decrease your savings to increase debt repayment. You can either start with repaying a portion of small loans or start with repaying larger loans. Increasing debt repayment can also be initiated by increasing the income through side hustles.

A larger chunking debt often piles up with added interest amounts. Shying away from breaking your savings to pay a portion of it could be detrimental to your financial stability.

While it’s reassuring to have a significant amount of cash sitting in your account, the lower than ever interest rates won’t help eliminate the interest, let alone the principal. While doing so, don’t spend all of your savings away to pay the debts too. You might also need to have some spare cash for emergencies.

3. Reduce Spending

You’d be surprised by how much you can save by cutting insignificant costs continuously. The occasional dine-outs, the weekend parties, and the shopping mall visits can add up to thousands of dollars sooner than you can imagine. To save more to pay off your debt within a year, here are some tips that you can follow:

Cook for yourself. Avoid getting out to eat too often. Avoid the random food deliveries too. But if you do, consider cheaper local restaurants.
Avoid shopping malls and online stores as much as you can. Shopping malls are designed to make you spend more. Sleep on the things that you want to buy, and reconsider the next morning.
Cancel club memberships. Recurring payments can add up to the cost significantly.
Use public transits to work. Avoid getting in your car as much as possible. You’d be surprised at how much gas your car consumes while sitting in traffic.
Consult Chunk Finance to manage your spendings and give a detailed report on where you can save for debt paydown.
Always try to pay through debit cards and cash. Don’t spend the money you don’t have by using a credit card.
Shop with a list and stick to it.

By reducing the expenditure, you should be able to save enough to pay off portions of the debt every month. Your focus should be to not add any more debts to the already huge pile.

4. Consider Debt Pay Off Strategies

Two strategies are considered by experts when you are required to pay off your debt in minimal time. They are: debt snowball method and debt avalanche method.

Just like a snowball when added more snow to it, debt grows larger and larger. However, it can be paid off by reducing it slowly but steadily. In the debt snowball method, the smallest loans are paid first while repaying the minimum amount to the larger debts. Once the smallest loan is paid off, you take on the next smallest dollar amount. By following this method, you’d gradually have lesser interest payments and more money to spend on the next minimum loan.

On the other hand, the debt avalanche method recommends that you erase the loan with the largest interest first. The principal amount doesn’t matter in this method. If you have a credit card loan that attracts a 19% interest rate, it needs to be prioritized before repaying the student loan with a 5% interest rate. Even if the monthly minimum amount is deemed lower in the credit card debt, you must follow it to gain a significant advantage over the larger loans.

The strategies provided can be adapted as needed. When faced with daunting debt, consulting professionals for guidance is wise. Debt relief companies can be beneficial in your journey to be debt-free. No matter where you are, assistance is available. For those in Miami, for instance, numerous Florida debt relief programs offer tailored support to your unique requirements and state laws.

5. Cash Your Life Insurance

Cashing your life insurance can be a viable debt payoff strategy if you don’t have beneficiaries like children or a spouse to pass down the cash to. It allows you to pay off the larger debts and have more cash in hand every month to gradually pay off the smaller debts.

Again, this method only works if you don’t have beneficiaries or are enjoying whole life policies. In term life insurance policies, the lump sum can’t be withdrawn to go debt-free. However, if you have beneficiaries, cashing out a portion of the life insurance, if possible, could be a better scenario planning for your debt.

6. Consider Credit Card Balance Transfer

A credit card balance transfer is when you transfer your outstanding dues to a new credit card. As credit card balance transfer deals typically come with a zero-interest fee for a year or so, you eradicate all credit card interests for that time being.

By eliminating high interests on credit card dues, you free up significant cash flow and allow yourself to spend the additional money on larger debts or credit card dues.

7. Consider Checking Statute of Limitation Laws

Don’t pay off your old credit card bills that are more than 7 to 10 years old if you aren’t legally obligated to do so. The statute of limitation law eliminates the obligation to erase the debts and prevents the debt collectors from extracting the amount if you have no money to pay it off.

Although before jumping to conclusions, consult the statewide rules regarding outstanding debts. Either way, consider paying off the newer loans before the older ones.

8. Loan Settlements

Loan settlements are considered one of the last resorts in a debt-payoff strategy. In a loan settlement meeting, you negotiate with the creditors to cut off the principal amount to something that you can manage. This method is considered a last resort because of the severe damage it does to your credit score and the sheer cost of hiring a debt settlement company.

9. Declare Bankruptcy

Bankruptcy can allow you to start afresh. But the process is lengthy and mentally exhausting. And in many cases, you might also be prohibited from filing for bankruptcy depending on your financial status.

Bankruptcy does extended damage to your credit score. And even after filing, you may still need to follow a debt repayment strategy imposed by the court.

The Bottomline

These nine tips will help you eliminate your loans within a year to live a debt-free life if you can cut off your monthly spending, earn a little more, and follow the payoff strategies religiously. And if it helps, you can make use of a budget tracker so you can keep your spendings and savings as planned.

It’s surprising to see that there are strategies that you can implement and use to your advantage. While there are some that could be your last resort to go totally debt-free.

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