2 comments on “All about SAP HANA (Infographics)”

All about SAP HANA (Infographics)

Guest Post – Carloski R.

SAP HANA Editions

SAP-HANA-Infographic

What is SAP HANA

There is no doubt that SAP HANA is becoming the hottest technology platform in the market of IT. More than 1200 companies from 58 countries developing applications on this platform. If you have ever considered how SAP S/4 HANA works and how it helps the client to enhance their business, then continue to read this article.

SAP S/4HANA is SAP’s next generation business suite designed to help you run simple in a digital and networked world. 
This new suite is built on our advanced in-memory platform, SAP HANA, and offers a personalized user experience with SAP Fiori. 
Deployable in the cloud or on-premise, SAP S/4HANA is built to drive instant value across lines of business and industries with the ultimate in sophistication: simplicity. The repeat of this course features some updated information along with a new unit on SAP Activate. SAP Activate is the new innovation adoption accelerator introduced with SAP S/4HANA, a unique combination of SAP Best Practices, Methodology, and Guided Configuration delivered with a reference solution.

Differences between SAP HANA & SAP S/4HANA

Some levels of confusion between SAP HANA and SAP S/4HANA still exist with the majority of the people these days. In this article, we provide clarity for those who are wrestling with the differences between the two. It is important to understand their functionality and constraints to make use of the products efficiently. In order to understand the differences between SAP HANA and SAP S/4HANA, one must understand the basic concepts of SAP HANA and SAP S/4HANA.

SAP HANA is a database, an in-memory database, while SAP S/4HANA is an application which is designed to run on the SAP HANA database. It is a revolutionary platform-based in the company’s new In-memory database. Learning it will imply that choosing to pursue a career path that is both fulfilling and exciting to work with. SAP HANA acts as a hub for all SAP’s products strategy and it serves as the base for recent technology SAP S/4HANA that is set to serve as a cornerstone for all SAP technologies.

What SAP HANA is all about

HANA is the backend that runs the SAP landscape. Its central feature is an innovative, column-based Relational Database Management System (RDBMS), which is used to store, retrieve and process data on core business activities. SAP HANA itself doesn’t determine what sorts of tasks a business does, it can accommodate any type of data. Businesses install applications that run on top of HANA, such as SAP applications for finance, HR, and logistics. As such, companies have to make choices about what software best meets their current needs.

Unlike other RDBMSs SAP HANA reduces the memory usage factor by 10 and improving performance as it uses column oriented storage which combines OLAP and OLTP into a single structure. The speed of both Online Transaction Processing (OLTP) and Online Analytical Processing (OLAP) can be drastically changed with the design of SAP HANA. Information of the majority databases is stored on the hard drive which in result keeps an only limited amount of information in main memory. Hard drives are relatively slow, which limits how fast they can recall information.

SAP HANA is made up of a simpler structure and lower memory footprint than other RDBMSs. A system like OLAP and OLTP are stored in different databases which result in insufficient memory, redundant information bloating the DB footprint.

Hence, SAP HANA can do real-time analytics, crunching data nearly instantaneously. This allows businesses to react more quickly to changing conditions, providing significant strategic benefits.

SAP HANA isn’t just a new choice for enterprise computing; because it handles data very differently from other databases, it is designed to run SAP software. SAP SE has been reworking their core ERP applications to better harness HANA’s speed and flexibility, and will only support older versions of the software until 2025, at which point customers need to have completed their SAP HANA migration, and upgraded to the new software.

What is SAP S/4HANA all about?

SAP S/4HANA is the shorter form of SAP Business Suite 4 SAP HANA, which means it is the fourth version of SAP Business Suite. It is designed to run only on SAP HANA. The transition of SAP users to SAP S/4HANA is similar to the earlier transition from the ERP versions, SAP R/2 to SAP R/3.

The next generation Business Suite of SAP is SAP S/4HANA which is designed in a simplified way specifically to work with SAP HANA and to replace the SAP ECC/ERP.

SAP S/4HANA is the in-memory version of the Business Suite ERP platform.  SAP S/4HANA was announced in February 2015 and billed as SAP’s “most important release in 23 years”, S/4HANA is intended to be easier to use and administer by helping to solve more complex problems and handle vastly larger amounts of data than its predecessors. S/4HANA is available in on-premises, cloud and hybrid deployment models.

As per the SAP, developers feel the changes in SAP as they find ERP system is more agile, simpler to understand and use. This change is termed as the opportunity for businesses to reinvent business models and re-generate revenues with the advantage of the Internet of Things (IoT) and big data by connecting people business networks and devices by the SAP.

As per the SAP, Batch processing is not required for S/4HANA this makes the businesses to simplify their processes and drive them in real time which mean that the business user can access insight on data from anywhere in real time for prediction, execution, Planning and simulation.

SAP Simple Finance is one of the main components of S/4HANA, which aims to streamline financial processes and enable real-time analysis of financial data. Simple Finance helps companies align their financial and non-financial data into what SAP refers to as a “single source of truth.” Some Business Suite users are deploying Simple Finance as the first step in the road to S/4HANA.

Conclusion

The popularity of SAP HANA and SAP S/4HANA has led to widespread usage across the globe. The demand for these modules is very high and a smart professional must leverage this trend in order to take advantage of the market demands.

Book a Demo? Please visit: http://affirmts.com

0 comments on “What is an IRA in the United States and Why You Must Care”

What is an IRA in the United States and Why You Must Care

Last Updated: 18th July, 2019

Guest Post: Author J.D.

IRA

Individual Retirement Account — What is an IRA in US?

The technical term, according to the Internal Revenue Service, is an Individual Retirement Arrangement, though it is more commonly called an Individual Retirement Account.

An IRA is simply a holding account. It’s a label. The difference between an IRA and an ordinary investment account is twofold:

  1. Your contributions to your IRA may be deductible for income taxes. (More details below.)
  2. All the gains (dividends, interest, and capital gains) accumulate untaxed as long as they stay in the account.

When you open an IRA, it contains nothing. It’s like a bucket — it’s just a place for you to put something — and what you place in your bucket are investments.

For example, you might buy stock through your retirement account or maybe government bonds. Some people use their IRAs to buy real estate; and some simply let their cash sit there, earning interest, just as it would if it were deposited in the bank down the street.

Smart people mix things up over time. Their buckets may contain a combination of stocks, mutual funds, bonds, and real estate. But they don’t have to be diversified at all. Your IRA can contain a single index fund if that’s what you want to do.

Point to remember: An IRA is not an investment — it’s a place to put investments.

401(k) and IRA Contribution Limits Boosted for 2019

The limit on annual contributions to an IRA increased to $6,000 for 2019, from $5,500. And the additional catch-up contribution limit for individuals aged 50 and over is not subject to an annual cost-of-living adjustment and remains $1,000, the IRS has announced.

What is the benefit of an IRA?

The primary benefit of an IRA is that the returns on an investment are not taxed.

Untaxed, the gains earned in an IRA compound much faster compared to an ordinary investment account where what you earn is taxed every year.

In addition, depending on the type of IRA you set up, either your withdrawals or your contributions are not taxed. Over your lifetime, a tax-favored personal savings arrangement, or IRA, can add tens of thousands of dollars to your balance which you may not have had otherwise. It’s a benefit the federal government offers workers to encourage them to save for retirement, and the advantage is significant enough that it shouldn’t be overlooked.

Types of IRAs and their tax advantages

There are two major types of IRAs — a traditional IRA and a Roth IRA. In order to understand the difference, let’s first step back and look at a normal investment account, i.e., one with no tax advantages.

Normal Investment Account (no tax advantages)
When you use a non-retirement account, you invest post-tax money, meaning that you have already paid taxes on that income and you invest some of what is left over after taxes. Depending on how you invest, you may also be taxed on the interest, dividends, and all other gains along the way. You will also be taxed on any appreciation when you sell your investment.

As compared to a normal investment account, investing through an IRA has three different tax implications:

Traditional IRA – With a traditional IRA, you can deduct the money you invest from that year’s taxes, but you will pay taxes on any withdrawals you make from the account.

  1. Your contributions (i.e., the money you invest) will be tax-deductible.
  2. All gains (i.e., interest, dividends, and capital gains) will not be taxed as long as the money remains in the account.
  3. When you withdraw the funds after age 59 ½, you will pay normal income tax on the amount you withdraw.

Roth IRA – With a Roth IRA, you invest money that you have paid taxes on, but your withdrawals are not taxed.

  1. Your contributions are not tax-deductible.
  2. All gains (i.e., interest, dividends, and capital gains) will not be taxed as long as the money remains in the account.
  3. When you withdraw the funds after age 59 ½, you will not pay income taxes on the amount you withdrawal.

We will discuss when it makes sense to choose one or the other in a following post. For now, all you need to know is the primary difference between the two major types of IRAs.

In addition to the two types of IRAs, you can also open an Individual Retirement Annuity account. In general, those are structured like conventional IRAs, but there are limitations as to who the beneficiaries might be. The premiums have to be flexible in order to allow for lower limits in future years and count toward the IRA contribution limit. In other words, it’s an IRA investing in a specified investment vehicle (annuities), but it has to be in a separate account.

IRA restrictions

Below are a few general limitations. You can get full details, written in clear language, from the IRS website by typing “590-A” in your favorite search engine. Chapter 1 will deal with traditional IRAs and Chapter 2 with Roth IRAs.

1. Not everyone can open an IRA account. In creating IRAs, the government specifically intended them for people who work for a living. Having a job, therefore, is the number one requirement to qualify for an IRA. Very wealthy people or retirees who live off their investments can’t open one. Once you do open an IRA account, you can keep it as long as you live.

2. There are contribution limits. For 2015, your total contributions to all of your traditional and Roth IRAs cannot be more than $5,500 — it’s $6,500 if you are 50 years of age or older — or your taxable compensation for the year, if your compensation was less than this dollar limit. (These amounts change annually, so it’s worthwhile to check the Form 590-A website referred to above.)

  • The IRA contribution limit does not apply to 401(k) rollover contributions and qualified reservist repayments.
  • For married couples, each spouse figures his or her limit separately, using his or her own compensation. This is the rule even in states with community property laws.

3. You can contribute to an IRA even if you contribute to a 401(k) or similar retirement plan at work. However, once your income goes over $60,000 (single) or $96,000 (joint), limitations kick in. The IRS Form 590-A web page spells out the various scenarios clearly with two tables (Table 1-2 and Table 1-3 if you’re looking for them).

If neither you nor your spouse has a work retirement plan, there is no reduction in your contribution limit.

4. There is an annual cut-off date. You can’t make contributions for a given year after April 15 of the following year. You are not obligated to make a contribution every year, but you can never catch up once you have passed the cut-off date.

5. Your IRA can’t invest in things that are under your control, like your business. The restrictions are few — you can, for instance, invest in real estate — but as a general rule, the things you invest in cannot be connected with you (like your home or your business). You also can’t sell property to it or buy property for your personal use.

6. You can’t borrow from your IRA or use it as security for a loan.

7. Your IRA can’t invest in collectibles, with the exception of gold coins minted by the U.S. Treasury.

When you engage in what the IRS calls prohibited transactions, your IRA will be reclassified as a regular account and you will be taxed as if you made a complete withdrawal on the first day of the year.

Where to open an IRA

Because an IRA is technically just another investment account, thousands of institutions that offer investment accounts also offer IRAs. Each has its advantages and disadvantages.

  • Many banks and credit unions offer IRAs, but they may only allow the money to be used for certificates of deposit or money market accounts.
  • Big-name mutual fund companies like Vanguard are great places to open an IRA, but they often require a minimum initial investment of several thousand dollars and provide a limited universe of investment choices.
  • Discount brokerages like Sharebuilder and E*trade allow new investors to begin saving for retirement with no minimums, and they usually have smaller fees or no fees at all.

There is no one right place to open an account. You will need to search for a place that is good for you.

Questions to ask as you research where to open an IRA:

  • Is there a minimum initial investment?
  • What fees are assessed to the account?
  • Does the company offer automatic contributions?
    • What are the limits?
  • What investment options are available?
    • Stocks?
    • Mutual funds?
    • Real estate?
  • Is it possible to download statements automatically into Quicken?

Remember: The perfect is the enemy of the good. It is far better to open a Roth IRA now through any provider than it is to delay because you are worried about finding the very best place. Do your research. When you find a place that meets your requirements, open an IRA. Don’t fuss and fret, worrying about whether or not it really is the best choice. Find a good choice and go with it.

Conclusion

Don’t be afraid of IRAs. With a little homework you can add these valuable accounts to your retirement strategy.


46 comments on “We’re Growing Fast and Hiring Freelance Writers”

We’re Growing Fast and Hiring Freelance Writers

we-are-hiring

Last Updated: 25th July, 2019

MT team is recruiting Freelance Writers

Thanks for stopping by!!! If you are a professional freelance writer, then you have come to the right place. Yeah, MT Team is looking for Freelance Writers for Hire. We have been voted as one of the Best Companies that hires talented freelance writers with a pay scale that matches industry standards.

Important Dates

(1). Expression of Interest

CLOSED (on 22nd February, 2019 12 EST)

(2). Questionnaire Link and Application Screening

– Starts from 1st March, 2019 until 15th March, 2019 CLOSED

(3). Offers & Job Start Date

In Progress

Wanna make money online without investment? Then, you have come to the right place !!!

We thank you for your interest in becoming a writer at Millionaire Trek (MT). We have closed our recruitment process for now, however, we will start hiring fresh writers soon, so please check back for periodic updates.

We’re recruiting freelance writers.

Join our Enthusiastic team

If you think you have what it takes to join the MT team working in a fast-paced and fun editorial environment to produce professional, well-researched articles you see here each day, read on.

If you enjoy writing for a small business audience — then we want to hear from you!

It’s important to note that MT Staff writers are different from our Guest Writers.

MT Staff writers are those designated with the word “Staff” in their bios. Staff writers:

  • get topics assigned to them;
  • must meet specific word counts, story deadlines, and style guidelines;
  • conduct independent Web research for articles;
  • gather facts and interview sources (if required for a news story).

Candidates should be capable of writing high volume content with fast turnaround speed. Candidates must also be prepared to proofread their own work, provide in-depth writing and provide timely revisions when directed (with a smile).

This is your opportunity to work in a fun yet professional journalistic setting.  You will gain high visibility, and the work is meaningful because you will be reporting on stories of vital importance to the MT community.

MT provides the opportunity to build your professional reputation and your body of work.  Your work has the potential to be seen by an audience of over 1 million people monthly.

We will pay fast, via PayPal — often within hours of receiving an invoice.  This is a freelance position.

Payment is on a per-article basis.  Pay rates depend on

(1) article length and complexity,

(2) your skills and experience, and

(3) quality of work product.

Typically the minimum pay will be in the range of USD 25 – 35 considering the above mentioned factors.

If you’re interested, please comment below and our team will send across a questionnaire link for submission and further consideration.

Few examples of well written posts in different Niches

Personal FinanceWhat is an IRA and Why you Must Care

Mortgage – Mortgages and Calculator

TechnologyAll about SAP HANA (Infographics)

Travel – Best Tips for Travelling to Atlantis Bahamas in 2019

SEO Increase Adsense Revenue in 2019 by Auto Ads

SEO – How to Optimize your Web Pages for Mobile

0 comments on “How to read your Paycheque”

How to read your Paycheque

Paycheque

Last Updated: 25th July, 2019

Before you dive into budgeting, saving, and investing, it’s important to make sure that you know how to read your paycheque. After all, you can only save and invest money that you’ve earned in the first place.

Here, we’ll dig into these key concepts:

  • Gross salary
  • Taxes
  • Deductions
  • Net salary (also known as take-home pay)

Gross Salary

When people talk about their annual salary (e.g., $40,000 per year) or hourly salary ($20 per hour), they are almost always talking about “gross salary”. This is the headline number that appears on your employment contract.

This figure is only a starting point.

Take Home Pay

Unfortunately, the money that appears in our bank account after each pay day is lower than what our gross salary would suggest. Think of your gross salary as the entire pie. After taking off slices for taxes and deductions (discussed below), the remainder is of the pie is what actually gets deposited into our bank account.

Taxes

It’s morbid but true: ’Tis impossible to be sure of any thing but death and taxes.

When you earn money from your job, your employer will automatically subtract taxes off of your gross salary (boo). Your employer sends this money to the government on your behalf.

The main form of tax taken off from your paycheque is income tax. The amount of income taxes you pay are based on the concept of “tax brackets”. As your income gets higher, the percentage of your income that you pay in tax increases — but only on the extra portion.

Here’s an overview of Canadian income tax brackets:

https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-current-previous-years.html

Side note #1: It’s a common misconception that you should try to stay below certain income levels, since shifting into a new tax bracket would reduce your overall take-home pay (i.e., higher salary but lower money coming into your bank account at the end of the day). This is absolutely NOT true.

When you move into a higher tax bracket, it’s only the money earned within that new bracket which is taxed a the higher rate, not your entire salary.

However, you may see a higher amount of tax withheld (see below) when you have a big, unusual paycheque (e.g. a bonus), because of the way tax withholding is calculated for paycheques.

Side note #2: The taxes taken off your paycheque are a “withholding” tax, meaning that they are just an estimate of the amount that you should owe. At the end of the year, the actual amount of taxes that you should have paid will be calculated on your tax return. The resulting difference between what you paid and what you should have paid will be settled at that point (either through a tax refund or additional taxes owed).

Keep this in mind if you see something odd happen with your taxes on your paycheque (for example, when you receive a bonus). You will always get “trued-up” at the end of the year.

The bottom line: the higher your income, the more tax you pay. However, making a higher income will always increase the pay that hits your bank account.

Deductions

Depending on what company you work for, you may have other deductions that are taken off of your paycheque. These could include contributions to an employer stock option plan, an employer pension / retirement savings plan, or an employer health plan.

When you were first hired, HR may have given you forms to sign up for an employer retirement savings plan (often known as a “Group RRSP” account in Canada). If you signed up, you’d be contributing a portion of your paycheque towards these savings plans (e.g., contributing 2% of each paycheque towards that account).

These amounts are deducted directly from your paycheque. As such, this money never arrives in your bank account. Instead, it’s held separately in a different account.

Net Salary (Take-Home Pay)

Gross salary is the full pie that we start with. After taking off a slice for taxes, and another slice for deductions, the amount of the pie remaining is what’s known as net pay or take-home pay. This is the amount of money that actually gets deposited into your bank account.

Your take-home pay is the most important number for you to know, since ultimately this is the money that you have control over. This is the money that pays the bills or gets saved for the future.

Knowing the amount of money that you take home each month will serve as a key input for your financial plan.

An Illustrative Example

Let’s take an example from a hypothetical Canadian paycheque:

Paycheque

  • For these two weeks, John earned a gross salary of $1,140 (regular pay plus overtime pay)
  • John paid total taxes of $239.97. This consisted of income tax, employment insurance (EI), and Canada Pension Plan (CPP) payments
  • John also had deductions of $104 for health insurance, registered pension plan, union dues, and Canada savings bonds
  • As a result, John had take-home pay of $796.03 for these two weeks ($1,140 minus taxes of $239.97 and minus deductions of $104)
  • John’s average tax rate was 21% for this paycheque (total taxes of $239.97 divided by gross pay of $1,140)
1 comment on “Increase Adsense Revenue in 2019 by Auto Ads”

Increase Adsense Revenue in 2019 by Auto Ads

Use Google Adsense Auto Ads For Better Placement

Last Updated: 10th July, 2019

Google_Adsense

Google Adsense is considered as one of the best ad programs for publishers. The is a program run by Google in order to increase revenue. This allows publishers in the Google Network of content sites to serve automatic text, image, video, or interactive media advertisements, that are targeted to site content and audience.And now that the inclusion of Google Adsense Auto ads, the placement of the ads has become easier.

Google Adsense Auto Ads – Let Google Decide the Placement

On February 21, 2018, Google Adsense introduced AdSense Auto ads, a powerful new way to place ads on your site. Auto ads use machine learning to make smart placement and monetization decisions on your behalf, saving the time. The new update involves artificial intelligence technology.

Perks of Adsense Auto Ads

Google Auto ads are utilizing artificial intelligence to automatically manage ad placements and ad optimization for the publishers.

The ban has lifted

Before the Auto Ads update came in there was a rule that the website that has less content and more ads on the page was used to get banned. But with this update, now that the Google will decide what ads will be placed where the question of banning the sites is never going to arise.

Optimization

Using machine learning, Auto ads show ads only when they are likely to perform well and provide a good user experience.

Revenue Opportunities

Auto ads will identify any available ad space and place new ads there, potentially increasing your revenue. This is because earlier there was a restriction of placing only 3 ads on the website. And now that the Google’s machine learning technology will be deciding the whole subject matter, the revenue generation is going to be pretty high now.

Easy to use

With Auto ads you only need to place the ad code on your pages once. When you are ready to use new features and ad formats, simply turn them on and off with the flick of a switch. There is no need to change the code again.

Google AdSense offers ads in the following types:

Display Ads

Display Ads are more of banner ads available in various dimensions from the full page leaderboard (728×90) size to a small button (125×125) size.

Text Ads

Text Ads are similar to display ads. It shows text instead of media content. Typically a wide skyscraper (160×600) size ad will be a set of 3 to 4 ads showing each ad in a single unit

Video Ads

These type of ads display rich video content to the audience. With its call-to-action button, the visitor gets redirected to the desired page.

Mobile Ads

Regular display or text ad units will also be displayed in the high-end mobile devices since they have a built-in web browser capable of running JavaScript.

According to Techcrunch, One black hole (and potential pitfall) is the fact that Google’s Auto Ads seems to decide just how many ads it will place on a page, something you would have had more control over without it.

Also, one thing to keep in mind is that, if you have already placed ads on the page, the Adsense Auto will detect these ads and place the remaining ads as per its calculation.

What are the disadvantages of the new update

End of the blame game

Now the publishers have no authority to decide where they want to place the ad. they won’t be able to track the proper revenue details. Usually, an ad gets more clicks if placed n header or in middle of the content. But with the Google’s new algorithm decides to place it somewhere at the bottom, then there are high chances that the ad will not receive any clicks. This will make it clear to the publisher that from where the revenue has become so less.

According to Google, the Auto Ads will eventually increase the revenue of the publisher. But now the publisher himself is not getting the liberty to decide where he wants to place the ad. Therefore, there is going to be a disruption in revenue generation.

Disturbance in page design

This is going to be the most disapproving element for all the publishers. Now that they won’t be able to choose the ad placement, there is going to be a disturbance in the page design. The Google can decide to place the ad anywhere on the page as per the content size, so this will totally disturb the page setting and its look. And there are high chances that the visitor just goes off from the site.

How to use Google AdSense Auto ads:

  1. Sign in to your AdSense account.
  2. In the left navigation panel, visit My ads and select Get Started.
  3. On the “Choose your global settings” page, select the ad formats that you’d like to show and click Save.
  4. On the next page, click Copy code.
  5. Paste the ad code between the < head > and </ head > tags of each page where you want to show Auto ads.
  6. Auto ads will start to appear on your pages in about 10-20 minutes.

So now that you know the positives and negatives of the Auto Ad, what is going to be your next step? Well, to make it more clear, there are more advantages to it than disadvantages. In all of this one thing, you have to make sure that your content has to be of uppermost quality.

Google has over 2 million publisher relationships. In order provide defences against bad actors, it invests heavily in technology which enables them to monitor the clicks and impressions they receive. Also to scan the partners’ sites.

These tools operate at the click, page, site, and account levels, so it can pick up bad content and bad practices (like non-human traffic) at a very granular level.

So now that the Google Adsense Auto Ads have become independent and taking up logical decisions to eliminate the bad actors, the process is going to get streamlined. And most importantly the good ads are going to get justice. With the changing technology, everything changes. But always try to embrace the change and work for the betterment of your business.

List of Google Adsense High CPC Keywords/Niche 2019

Use or create your website on following most expensive and highest paying niches to earn good revenue.

  • Mesothelioma Law Firm ($179)
  • Donate Car to Charity California ($130)
  • Donate Car for Tax Credit ($126.6)
  • Donate Cars in MA ($125)
  • Donate Your Car Sacramento ($118.20)
  • How to Donate A Car in California ($111.21)
  • Sell Annuity Payment ($107.46)
  • Donate Your Car for Kids ($106)
  • Asbestos Lawyers ($105.84)
  • Structures Annuity Settlement ($100.8)
  • Car Insurance Quotes Colorado ($100.9)
  • Annuity Settlements ($100.72)
  • Nunavut Culture ($99.52)
  • Dayton Freight Lines ($99.39)
  • Hard drive Data Recovery Services ($98.59)
  • Donate a Car in Maryland ($98.51)
  • Motor Replacements ($98.43)
  • Cheap Domain Registration Hosting ($98.39)
  • Donating a Car in Maryland ($98.20)
  • Donate Cars Illinois ($98.13)
  • Criminal Defense Attorneys Florida ($98)
  • Best Criminal Lawyers in Arizona ($97.93)
  • Car Insurance Quotes Utah ($97.92)
  • Life Insurance Co Lincoln ($97.07)
  • Holland Michigan College ($95.74)
  • Online Motor Insurance Quotes ($95.73)
  • Online Colleges ($95.65)
  • Paperport Promotional Code ($95.13)
  • Online Classes ($95.06)
  • World Trade Center Footage ($95.02)
  • Massage School Dallas Texas ($94.90)
  • Psychic for Free ($94.61)
  • Donate Old Cars to Charity ($94.55)
  • Low Credit Line Credit Cards ($94.49)
  • Dallas Mesothelioma Attorneys ($94.33)
  • Car Insurance Quotes MN ($94.29)
  • Donate your Car for Money ($94.01)
  • Cheap Auto Insurance in VA ($93.84)
  • Met Auto ($93.70)
  • Forensics Online Course ($93.51)
  • Home Phone Internet Bundle ($93.32)
  • Donating Used Cars to Charity ($93.17)
  • PHD on Counseling Education ($92.99)
  • Neuson ($92.89)
  • Car Insurance Quotes PA ($92.88)
  • Royalty Free Images Stock ($92.76)
  • Car Insurance in South Dakota ($92.72)
  • Email Bulk Service ($92.55)
  • Webex Costs ($92.38)
  • Cheap Car Insurance for Ladies ($92.23)
  • Cheap Car Insurance in Virginia ($92.03)
  • Register Free Domains ($92.03)
  • Better Conference Calls ($91.44)
  • Futuristic Architecture ($91.44)
  • Mortgage Adviser ($91.29)
  • Car Donate ($88.26)
  • Virtual Data Rooms ($83.18)
  • Online College Course ($78)
  • Automobile Accident Attorney ($76.57)
  • Auto Accident Attorney ($75.64)
  • Car Accident Lawyers ($75.17)
  • Data Recovery Raid ($73.22)
  • Criminal lawyer Miami ($70)
  • Motor Insurance Quotes ($68.61)
  • Personal Injury Lawyers ($66.53)
  • Car Insurance Quotes ($61.03)
  • Asbestos Lung Cancer ($60.96)
  • Injury Lawyers ($60.79)
  • Personal Injury Law Firm ($60.56)
  • Online Criminal Justice Degree ($60.4)
  • Car Insurance Companies ($58.66)
  • Dedicated Hosting, Dedicated Server Hosting ($53)
  • Insurance Companies ($52)
  • Business VOIP Solutions ($51.9)
  • Auto Mobile Insurance Quote ($50)
  • Auto Mobile Shipping Quote ($50)
  • Health Records, Personal Health Record ($40)
  • Online Stock Trading ($35)
  • Forex Trading Platform ($20)
0 comments on “Passive Investing in 2019”

Passive Investing in 2019

Last Updated: 7th August, 2019

Passive_Investing_2019

Passive Investing for Beginners

What is Passive Investing and How it works?

Passive investing is a growing trend in the investment world. Because of the broad success of index funds, many investors are beginning to question the importance of active money management and whether it may even hurt returns in the long term. Due to the costs associated with actively managing investments, passive investing strategies have an inherent advantage that is difficult to overcome.

At its core, passive investing is a fancy way of saying buy and hold. It’s all about minimizing fees and hassle while striving to build wealth over time. Having to constantly research and make decisions is costly in terms of time and money. Then there’s cost of making an actual transaction, which can be substantial if you’re making a lot of them. When you buy and hold, you hitch your fortune to a wagon and let it ride. Buying and holding is the simplest form of passive investing, but there are also some strategies which can be used to manage risk.

Diversification

It’s important not to hold all your eggs in one basket. Companies and economies go bust all the time, but they generally don’t go bust all at once. If you buy lots of different things across different sectors, economies, and asset classes, you can effectively spread your risk and average out your returns.

These days it’s easier than ever to build a diversified portfolio. Instead of buying individual stocks, there are index funds and Exchange Traded Funds (ETFs) that represent just about anything you could invest in. The simplest strategies involve just a few broad market ETFs or index funds that can be adjusted for your risk tolerance.

Rebalancing

Once you’ve decided how to diversify your portfolio, you need to ensure that it stays diversified. Different asset classes have different rates of return, with the riskier classes generally having higher returns over time. Due to this, your holdings will tend to become skewed towards riskier assets over time, which makes your whole portfolio riskier than intended by your diversification plan.

This is where rebalancing comes in. In order to get your portfolio back into alignment with your target, you need to buy (and possibly sell) some of your holdings. If you are making frequent cash contributions, simply buying your most underweight assets is often sufficient to stay on target. However, if your portfolio eventually drifts too far, you may also need to sell some of your overweight holdings so that you can purchase more of the underweight. Due to the cost associated with buying and selling, it’s best to do full rebalancing only infrequently.

Discipline

Perhaps the most important aspect of passive investing is discipline. If you don’t have the fortitude to stick with your investment plan even in the midst of a recession, you may lose more than you ever gain on your investments.

Many investors panic during downturns and pull their investments out of the market once they’ve seen their investments drop in value. It can be physically painful to see your net worth drop by 30% or more. The key thing to remember is that in the long run, the market always recovers. If you sell at the bottom, you’re jumping off the wagon and locking in your losses. So remember – you’re in it for the long haul.

On the flip side, it’s important not to get greedy or chase high returns. It’s easy to be enticed by the media’s coverage of the latest investing craze or flashy stock that is “set to perform this year”. Always be skeptical of what the media says and remember that if it’s in the media, it’s probably too late. Often times, investors following trends just end up buying high and selling low. If for some reason you have the urge to follow the advice you hear in the media, then make sure you do your homework and most importantly ask yourself: Am I really a passive investor?

5 steps to passive investing for retirement

So you’re interested in becoming a passive investor? Well look no further, you’re in the right place. This article will help you get started in 5 simple steps. Before we get started with investing, you should have learned how to prioritize your money and cleared all of your high-interest debt, such as your credit card and student loan debts. The interest on these is a lot higher than the returns you’ll make with your passive investments. Also, the money you are investing will go solely towards your retirement nest egg, so you shouldn’t be investing with money that you will need in ten years or sooner.

Finally, this guide assumes that you will be investing in low-cost Exchange Traded Funds (ETFs). As discussed in our Primer on Passive Investing article, passive investing is all about minimizing fees, staying diversified and being in it for the long haul with the expectation of getting the market returns. Remember, 80-90% of active managers do not beat the market’s returns. With that said, let’s begin:

Step 1: Develop a plan based on how much you can afford to invest.

Let’s say you intend on retiring at the age of 65, under the assumption that you will live to the ripe young age of 100. After all, we have made great strides in the field of medicine and it is not unreasonable to expect to be around a bit longer. According to MoneySense, the typical middle-class couple can live comfortably on $42,000 to $72,000 a year, assuming no mortgage or child cost. That equates to between $1,470,000 and $2,520,000 over the course of 35 years.

Who wouldn’t want to have a nest egg valued at over $1,000,000? But the reality is, the amount of money you can afford to invest is determined by what your monthly expenses are. Before investing, you should pay off your monthly expenses, then determine how much of your disposable income can be allocated towards retirement. Don’t forget to take your lifestyle into account. Depending on your lifestyle, you may decide to scale back spending in order to save more towards retirement. The main point of this step is to have a plan that works for you. The truth is, there is no perfect plan and the fact that you have one is a good start. The right time to start investing for retirement is now.

Step 2: Determine your asset allocation

Consider asset allocation as the process of “splitting up your investments” into various asset types in order to find the right balance between potential returns and safety. When investing, there are 3 main asset types to consider: stocks, bonds and cash (or cash equivalents). Depending on your tolerance for risk, you may decide to hold more or less of a particular asset type. For the purpose of this guide, we will assume that you are only holding stocks and bonds because you are trying to build wealth. That being said, it is not uncommon for some investors to hold cash as an “emergency” fund or as an extra safe (though unprofitable) asset.

When determining your asset allocation, a common rule of thumb is to hold your age in bonds and the rest in stocks. For example, if you are 40 years old, your portfolio should comprise a 40% weighting in bonds and 60% weighting in stocks under this rule of thumb. Once you’ve determined your stock allocation, you can refine this further by selecting ETFs that give you exposure to a variety of markets such as Canadian, US, and International equities.

For example, your 60% stock allocation could be further split up into:

  • 5% Canadian Equities
  • 35% US Equities
  • 20% International Equities

When it comes to bonds, the Canadian Couch Potato blog recommends holding Canadian bonds as opposed to International bonds because of the currency risks. In keeping with our scenario above, the remaining 40% of your portfolio’s allocation could be held in indexes or ETFs that track the entire Canadian bond market. When determining your asset allocation, always remember to stay diversified. There is an online questionnaire from Vanguard may also be helpful to determine your asset allocation. If you’re still not sure or do not feel comfortable determining your allocation, speak with a registered fee-only independent financial advisor and let them know that you’re interested in DIY investing using low-cost ETFs.

Step 3: Open an account with a discount brokerage and build your portfolio

According to Young and Thrifty’s comparison of online brokers in Canada there are a few factors that you should consider when selecting a discount brokerage, these are:

  1. Free ETFs trades
  2. Low account fees
  3. Low trading fees
  4. Low account minimums
  5. Good customer service
  6. Reimbursed transfer fees
  7. Safety
  8. Compatibility with Cell Phones

For any passive investor, using a discount brokerage is a must! Why you ask? Because you want to minimize fees as much as possible. I opted to go with Questrade because of their free-ETF purchases, low account fees and they offered to pay the transfer fee when I moved the money in my bank’s mutual funds over to them.

Step 4: Stay the course and avoid speculation

So you’ve built a diversified ETF portfolio, now here comes the hard part: staying the course and avoiding speculation! It’s easy to be tempted to sell your investments when the markets are doing poorly. Keep in mind that, even if the market is doing poorly, it does not mean that you have lost money. The losses are only incurred if you sell a security for less than what you have paid for it.

Always remember that over the long term the market has always gone up. If you were to Google search the market indexes of the New York Stock Exchange, NASDAQ, S&P 500 (which is an index that tracks the 500 largest corporations in America) and Morgan Stanley Capital International (MSCI) world index you will observe one thing. That is, these indexes historically trend upward over a long period of time, even after global recessions. But don’t take my word for it, according to Investopedia:

Between 1928 and 2013, a broad index of U.S. stocks increased 2,000-fold. However, 20 times they actually lost at least 20% of their value in that period.

With this knowledge in mind, I’d like to share two rules that Warren Buffet — the world’s most successful investor — lives by:

Rule #1: Don’t Lose Money.

Rule #2: Never Forget Rule #1.

Another aspect of staying the course is contributing regularly. The best way to do this is to set up automatic payments to your brokerage account and make regular purchases. This reduces the likelihood of you spending the money before having the opportunity to invest it. Consider this as “paying yourself first”, which can go a long way towards establishing a comfortable nest egg.

Step 5: Rebalance your portfolio when needed

As time passes, your portfolio will drift from its initial asset allocation because of the variance in performance between the assets in your portfolio. Because of this, rebalancing will need to be done in order to bring your portfolio back into alignment with the target allocation. There is no set rule of thumb as to how often you should rebalance. Some investors rebalance based on a calendar schedule (monthly, quarterly, annually), whereas others opt to rebalance whenever their assets have grown in value beyond a certain threshold (for example, 5% or 10% out of target). Because you’re focusing on building wealth and contributing on a regular basis, you could rebalance by simply purchasing the underweight asset(s) in your portfolio. If you’ve signed up with a discount brokerage that offers free ETF purchases, this method would not incur any fees and would help to keep your portfolio balanced.

Most importantly, be sure to remember the rule of thumb in step #2. You never want to be bearing too much risk as you approach retirement. It is important to maintain an asset allocation that’s in keeping with your tolerance for risk and time horizon.

1 comment on “How to Buy Stocks: A Beginner’s Guide to Buying Stocks in 2019”

How to Buy Stocks: A Beginner’s Guide to Buying Stocks in 2019

How_to_buy_Stocks

Last Updated: 18th July, 2019

Have you always wanted to invest in the Canadian stock market, but had no idea where to start? You’ve come to the right place. In this article, I’ll show you everything you need to know about the basics of stock market investing in 2019.

Are you ready? Let’s dive in!

Unlocking The Mysteries Of Stock Market Investing

Too many people make stock market investing more complicated than it needs to be. It’s as though investing is a great mystery, one that can only be solved by those with special insight and knowledge.

Thankfully, buying stocks doesn’t have to be a complex process. In fact, just about anyone can learn how to buy stocks with a little time and effort.

Getting Started in 2019

The first step is to open a brokerage account. Yes, it’s true that you need a broker in order to buy stocks.

The good news is that in 2019, you don’t need to visit a stock broker in person, call someone on the phone, or become engaged in a complicated transaction.

You can buy and sell stocks from the comfort of your living room, through an online discount broker. You don’t need very much money, either.

In many cases, it’s possible to open a brokerage account and start investing with as little as $50. Look for a reputable account online, and then open your account. Once you do that, you will be able to start buying stocks.

Online brokerage accounts are fairly easy to find. In Canada, there are no fewer than 12 leading discount brokerages vying for your investment dollar.

While you can check all of them out in this recent review of Canadian Online Brokerages, my top choice for online brokerage in 2018 is Questrade.

I also have an account with TD and am quite satisfied with it till now. For more information, please check out the below link:

https://www.td.com/ca/en/personal-banking/products/saving-investing/mutual-funds/td-mutual-funds/

How Do Stocks Work?

If you’re new to the world of stock market investing, you may be wondering what a stock is in the first place.

Stocks, also referred to as shares, represent ownership in a corporation. They give the owner of the stock, also known as the shareholder, a claim on company assets and earnings. They can also grant the shareholder other benefits, such as voting rights.

To use a basic example, if a company issued 1000 shares, and you purchased 100, you would hold a 10% ownership of that company.

Of course, large corporations such as Google, or Royal Bank, are worth billions of dollars, with outstanding shares numbered in the hundreds of millions, so 100 shares would be a drop in the bucket when it comes to your claim on ownership.

But 100 shares is significant inside an individual portfolio, and can provide an investor with an opportunity for strong growth over the long term.

Types Of Stock

Corporations issue two main types of stock: common and preferred. Each type can be divided into several different classes, but these are the main categories.

Common shares provide the owner with voting rights at shareholder meetings, while preferred shareholders have a preferred claim on earnings, such as dividends. Preferred shareholders also have priority if the corporation were to go bankrupt.

Common shares are, exactly as they sound, more common.

What Is An ETF?

Exchange Traded Funds (ETFs) have become incredibly popular in recent years, and just might be the best way to get started with stock investing.

ETFs are groups of stocks that track the performance of a particular stock market index. With ETFs, Instead of trying to pick individual stocks, you receive the benefit of several stocks.

The benefit to a novice investor is that you don’t have to try and learn how to buy stocks before you get started. A solid ETF, can be a great way to get started.

ETFs vs. Index Mutual Funds

At first glance, an ETF might seem similar to a mutual fund, in particular an index mutual fund, but there are some key differences.

While ETFs and index mutual funds both offer an indexable basket of securities, ETFs are more flexible than an index mutual fund, in that they can be traded just like an individual stock.

They also lack the management fees (MER’s) of a mutual fund, although most brokers do charge a trading fee on ETFs. Depending on your strategy, ETFs can be advantageous to index mutual funds.

Because of their simplicity, ETFs may also be the best way to get started with stock investing. Once you are more comfortable, you can move forward and learn how to buy individual stocks.

How To Choose Stocks

Choosing individual stocks for your portfolio begins with research, and lots of it.

To start, get as much information as you can on the companies you are interested in, learning about how they are run, as well as the potential they have for future growth.

Also, consider whether or not the stocks you choose are a good value. There are many different ways to evaluate stocks, and you can learn them and then apply them.

The important thing is to get started. An ETF can help you get started with investing, and start earning compounding returns, while you learn the ins and outs of how to buy individual stocks.

Make It Automatic

No matter how you choose to invest, or where you put your money, one of the best things you can do is to make it automatic.

You want to make sure that you invest regularly, since that is a good way to make sure that you are earning better returns over time.

Decide how much money you can invest each month, and have the money automatically withdrawn from your bank account and used to invest in shares of an ETF or a particular stock.

This investing technique is known as dollar cost averaging, and it’s used by investors of all experience levels not only for convenience, but to enhance investment returns over the long term. Here’s how it works.

What Is Dollar Cost Averaging?

Dollar Cost Averaging (DCA) involves the purchase of investments in smaller amounts on a regular schedule, ie. monthly, bi-weekly, rather than in lump sums, less frequently.

Automating the purchase of investments removes the need for an investor to try timing the market, as over the long term the investments will be purchased at a lower average price. This is where the true value of dollar cost averaging lies.

Example Of Dollar Cost Averaging

Let’s assume an investor decides to purchase $1,000 worth of XYZ Corp. at the same time every month for four months. In this example, we’ll also assume that the stock first declines in value, but then rallies strongly.

As you can see in the table above, using a dollar cost averaging strategy the investor would have purchased 272.22 shares for a total of $4,000. His/her average price per share for this period would have been just $14.69 (calculated as follows: $4000 / 272.22 = $14.69). With the stock ending at $18 at the end of this period, the investor’s total position would now be worth $4,900 (calculated as follows: 272.22 shares * $18 = $4,900). As a result, the investor would actually show a profit of $900 on his/her overall position despite the fact that the stock declined in value over the full four-month time period (dropping from $20 to $18).

By comparison, if the investor had decided to invest $4,000 in shares of XYZ Corp. all at once at the beginning of this period, then he/she would have purchased 200 shares at a price of $20 per share. With the stock finishing at $18 at the end of the four months, the investor would have shown a net loss of -$400 on the stock.

This example clearly illustrates the benefits of dollar cost averaging, especially during periods of volatile share prices.


With dollar cost averaging, you can start small. As you earn more money, and learn more about investing in stocks, you can increase your contributions, as well as start finding other stock investments that will help you reach your financial goals.

 

2 comments on “Best Tips for Travelling to Atlantis Bahamas – 2019”

Best Tips for Travelling to Atlantis Bahamas – 2019

Atlantis_Bahamas

Last Updated: 6th August, 2019

Best Months to Visit Bahamas

The best time to visit the Bahamas is from mid-December to mid-April, the country’s peak season. Though temperatures here are great year-round (they rarely dip below 60 degrees), the islands fall within the hurricane belt, so hurricanes may be a factor between June 1 and Nov. 30 (the Atlantic hurricane season). Most of these months (plus May) also fall within the region’s rainy season, which can leave you with fewer days spent enjoying the islands’ outdoor activities. But keep in mind that mid-December to mid-April’s sublime weather attracts hordes of tourists, so prices will be at their highest and crowds at their thickest during these months.

Also check out what are the Top 5 Mistakes to avoid in Bahamas and safety tips for Women.

Best Tips to Visit Atlantis Resort in Paradise Island – Bahamas

Atlantis Resorts Paradise Island or “The City of Atlantis” is the world-renowned Caribbean destination in the Bahamas for all ages. The Atlantis Hotel Nassau Bahamas features a variety of accommodations built around a 141-acre waterscape called Aquaventure. This water park contains 18 thrilling water slides, 20 swimming areas, a seven-acre snorkeling lagoon, and more. Atlantis also has the world’s largest open-air marine habitat bringing 50,000 marine animals from reef sharks to sea turtles within your reach. We’ve put together this list to help your trip to Atlantis be the best it can be. These are the Atlantis Bahamas tips you’ll be happy you know before you go.

The Atlantis Resort can be overwhelming even before you arrive. Making an accommodation choice alone can be a dizzying process. There’s the Cove, The Royal Towers, The Reef, The Coral, The Beach and more! Not to worry, we’ve got you covered with tips, secrets, and tricks to help you navigate Atlantis like a pro.

Where is Atlantis Resort located?

Set along the Atlantic Ocean, this sprawling beachfront resort is 3 km from the lively Nassau Straw Market, 4 km from the 18th-century Fort Fincastle and 19 km from Lynden Pindling International Airport.

Bright, warm rooms have flat-screen TVs, Wi-Fi and ocean views; some feature kitchens, whirlpool tubs, and/or balconies or terraces. Plush suites have living rooms; an iconic bridge suite is suspended between 2 hotel towers.

Amenities include 19 bars and 21 restaurants, plus a water park, 9 pools and 2 marine habitats. There’s a lively casino, a golf course and a chic spa, along with a kids’ club. An airport shuttle can be arranged.

Check out the view from “The Coral” at Night…

Kid’s play area at The Beach

Best Atlantis Bahamas Tips for an overwhelming experience.

1. Reaching Atlantis

When booking your trip to Atlantis,  you will want to book your flight to Nassau (NAS) and then take a taxi from the airport to the resort. Taxi prices are regulated so you won’t be overcharged. It takes about 30 minutes to get to the resort. Our Bahamian taxi drivers were courteous and professional. You can also book airport transfers through Atlantis, but then you may be stuck waiting for other passengers. We would not recommend renting a car. If you want to explore more of the island, hire a taxi. The locals may have some insider tips on places to go too!

2. Choosing Accomodations

For families: Nearly all accommodations at Atlantis are family-friendlyThe main Royal Towers is the place to stay to be closest to the action and probably the best option if a visit is a “once in a lifetime” experience for your family.  The Coral has newly renovated family-friendly rooms and suites. If you want to get away from the crowds of the main resort, The Harborside has 1-3 bedroom villas with full kitchens and laundry facilities. The Reef Atlantis offers more upscale living with Big studios, 1-2 bedrooms units with fully equipped kitchens or kitchenettes. This is perfect for families wanting easy access to the beach. While not formally part of the resort, the adjacent Comfort Suites Paradise Island provides budget-friendly accommodations AND includes all of the Atlantis amenities.

3. Atlantis is NOT an all-inclusive resort

Be prepared to shell some serious cash for special experiences, meals, snacks, drinks, etc. Many people recommend packing snacks and water bottles to avoid extra daytime charges. You’ll likely have a large dinner, but snacks help hold everyone over during the day. Rooms have mini fridges too for storing drinks and leftovers. The resort has a meal plan, which can be helpful if your kids are 11 and under (then they eat free). FoodStore2Go.com will deliver groceries to the resort as well. I’ve heard that Dominos will deliver too, but give them a call to make sure.

4. Make Reservations for Dinner in advance

Make dinner reservations before you even leave for the resort; otherwise, you’ll run into some wait times or will have to eat very early or late. Once you arrive you’ll likely have a message on your room phone asking you to confirm your reservations. Our favorites for fine dining are Nobu, Mosaic, and Dune at the Ocean Club. Our family-friendly recommendations are Carmines, Poseidon’s Table, Virgil’s Real BBQ, and  Murray’s Deli.

5. Download the Interactive Map

Atlantis Resort Map

Atlantis Resort is HUGE! Before you leave, download the free resort app available for iPhone, iPad, and Android. It includes a map and a list of events. You can use it to make your dinner reservations on the fly or before you leave. If you don’t want to carry your phone, pick up a printed map because, believe me, it’s easy to get lost.

6. Avoid Crowd

Since Atlantis is a very popular resort, you are likely to encounter crowds, especially if you travel during the high seasons like holiday and school vacations. The best way to avoid crowds is to travel in the low season when most kids are in school. If you are there during more crowded times, we have a few tips:

Avoid the Cruise Crowds: Sunday and Mondays are typically a bit lighter crowd-wise because the cruise ships are not flooding the property with extra people. You can also visit Aquaventure early or after 5pm when the cruise crowds are not there. There is a website called CruiseTT.com where you can see what ships will be in port on any given day.

Eat off-site: Consider having at least some of your meals off property. For breakfast, I recommend taking a stroll over to the neighboring marina village for Starbucks or Dunkin Donuts. It’s also nice eating al fresco and gazing at the stunning yachts docked there.

Reserve seating: to avoid the mad dash each morning to get prime seating around the main pool, you can book preferred seating for two guests at the Grotto Pool inside Aquaventure. Private cabanas can also be reserved throughout the main waterpark area. During crowded months, they can really be well worth the extra cost and provide many added amenities.

7. Swim with the Dolphins

Booking a special experience like those available at Dolphin Cay will help you spend time away from the crowds. Here you can swim with dolphins and frolic with sea lions. It’s not a cheap endeavor, but well worth it in my book. Make sure to book early as this very popular experience fills up months in advance. You can also purchase beach passes where you can spend the entire day at the Dolphin Cay beach.

Pro Tip:

Personal cameras are not allowed into the Dolphin Lagoon. Non-participating family members can take photos from the shoreline. The photo packages are extremely expensive so split the cost with another family if you can. All files are digital so they are easy to pay one price and then share.

8. No need to pay “Tips”

No need to pay tip, since tips are already included on everything you purchase. For example, a $6.25 self-serve cheese slice of pizza came to $7.40 with VAT (value added tax) and tip added in. We were told by the front desk that even the daily fee per person at the hotel covers bellhop services. They will still accept a tip, but that’s up to you.

9. Skip the Lazy River

While there are times when you’ll want a lazy float, you’ll definitely want to head to the rapid river called The Current. It’s a mile-long river ride with high-intensity waves and rapids, guaranteed to keep you cool and laughing. It’s similar to a lazy river, but sans the lazy portion. It can take up to a half hour to float along the twisty path, but you’ll have more fun along the way riding waves and bumping over rapids. My family did this over and over again.

Pro Tip:

You can use your own Mobile / Go Pro on the Rapid River Ride. In case you are using your mobile device, please don’t forget the Plastic Mobile Pouch to protect it from water.

Upcoming Events & Concerts at Atlantis Bahamas

Please find below the link to the official site for all upcoming events and concerts at Atlantis Bahamas in 2019

https://www.atlantisbahamas.com/events

Scariest Water Slide of the World, Leap Of Faith Atlantis – Bahamas

Leap of Faith at Atlantis Paradise Island in the Bahamas drops riders 60 feet from the top of a beautifully constructed Mayan Temple at hair-raising speeds into a shark-filled lagoon. Now that’s hair raising!
A comment from TripAdvisor: “Holy Crap! The good thing about this is that you go so fast it’s over in no time. The bad thing is that you go so fast you don’t really notice when you end up in a see-through tube surrounded by sharks. I let out a blood curdling scream all the way down.”

Check out the amazing photo as well….

Now let’s see how the Shark Tank looks like…

The Challenger Slide

Atlantis_Challenger_Slide

Our Favorite Casual & Budget Dining Places

Murray’s Deli

WHEN YOU’RE HUNGRY FOR NEW YORK STYLE DELI

Enjoy majestic views of Atlantis Marina and 1950’s décor at this New York-style restaurant. Vacationers can enjoy smoked fish, matzo ball soup, towering deli sandwiches, brisket and more.

Check out these mouth watering pictures:

IS ATLANTIS AN ALL-INCLUSIVE RESORT?

Atlantis is not an all-inclusive Resort; it’s a full service Resort. As guests, you have full access to all Atlantis water park features at no additional cost. Included are 11 swimming areas, 11 water slides, two Lazy River Rides, a protected Paradise Lagoon, The Dig, the Predator’s Lagoon, all the marine life habitats, and the ocean beach area. Beach towels are provided daily at no charge once within the water park. All other Atlantis services such as the Mandara Spa, the Comedy Club and Business Center, are yours to enjoy for a nominal fee.

Meal plans are available to enhance your experience at the resort. These plans vary and offer guests options depending upon where they would like to dine and where they are staying within the resort.

Conclusion

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0 comments on “How to Increase Alexa Rank Quickly?”

How to Increase Alexa Rank Quickly?

Alexa_Ranking

Last Updated: 23rd July, 2019

Every website owner wants to get good Alexa rank for own website. Alexa Gives The Global rank of based on how much visitors come daily, high-quality links, unique content etc.
Alexa rank is updated on a daily basis.

It shows 99% correct Alexa ranking of a website among whole internet sites around the world.

Here is how you can increase Alexa rank quickly & convert Alexa Rank to visitors.

First, you know What is Alexa Rank?

Alexa is a web analytic company owned by Amazon, they rank the website on many factors like Bounce rate, Daily Pageviews per visitor and Daily time on site.

It also has a resource called Alexa Traffic Rankings.

According to Alexa,

Your Alexa Rank is an estimate of how popular your site is relative to all other sites. Source — Alexa Blog

Top 5 easy ways how to increase Alexa rank quickly?

1. Install Alexa Toolbar

It is very easy way to increase Alexa ranking. Install Alexa toolbar and visit your site daily.

https://www.alexa.com/toolbar

Alexa toolbar sends web site activity data to the server. Server saves each website activity of visitors.

2. Add Alexa Widget on your site

Alexa toolbar is a nice way to improve your ranking.

But here is one issue,

Most of the visitor who comes on your website would not have installed Alexa toolbar in own browser and also maximum visitor comes through the phone.

So use Alexa widget to solve this problem.

Alexa rank widget works same like Alexa toolbar who counts every hit from visitor and increase your Alexa rank quickly.

How to install Alexa Widget

Copy below HTML code and paste your website.

All you need to replace allusefulinfo.com with your website domain name and put the complete code at the place on your blog where you want to show your Alexa widget.

<a href=”http://www.alexa.com/siteinfo/allusefulinfo.com”><script type=”text/javascript” src=”http://xslt.alexa.com/site_stats/js/t/a?url=allusefulinfo.com”></script></a>

If you are a WordPress site owner install the Alexa Rank Widget plugin.

Alexa widget

3. Write unique original content

You may write about anything, But most important are to write original quality contents and don’t try to copy content from another blog.

If you write original content based on your own experiences, the visitor would like and love your content and they will love to visit your site regularly.

And Google always loves unique content It also improves your site’s bounce rate and increases site’s ranking.

Other bloggers would like to add your site’s link to their blog.

4. Update your post regularly

Visitor always searches your website for new information so it is important to post content regularly.

If you write daily content and update them on a daily basis then your chances will increase and this will improve traffic with Alexa ranking.

5. Share your content on social media

Today social media is the biggest marketing platform to build the new audience.

Everyone is now active on the web through social media.

Make your Facebook, Twitter and Linked In page for your website.

Also submit your site to other sites like DiggStumbleupon, Delicious, Mix.com

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Mortgages in Canada – 2019

mortgage-in-canada

Last Updated: 9th August, 2019

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Mortgages in Canada

This article lists the many variations of Mortgages in Canada. You will see a lot of talk on here and everywhere about CMHC or mortgage insurance. This is the insurance that you pay if you purchase a home with less than 20% down. This is known as mortgage default insurance and is mandatory as per the government if you purchase a home with less than 20%.

Mortgage Insurance

Insurance is not available on rental properties or purchases of homes worth over $1 million. The mortgage insurance premium is on the total amount of the mortgage and is tiered. With 5% down you will pay a 4% fee for the mortgage. With 10% down you will pay a 3.1% fee and with 15% down you will pay a 2.8% fee. These fees are included in the mortgage, raising the total mortgage amount you pay. You will have to pay the HST (or applicable tax) at the time of closing. The benefit of the insurance is that you can purchase with less money down and you will get better rates from your lender as they have less risk, which they pass along to you. The down side of this is that you do have to pay the insurance premium which increases your loan amount and payment. Insured mortgages in Canada can have a maximum of 25 year amortization and are subject to passing the current B20 guidelines for stress testing. This is outlined below.

Mortgage Qualifying

In Canada mortgage qualifying criteria is based off of two main ratios your GDS and TDS. GDS (Gross Debt Service) is the amount of your monthly income that can go towards your housing costs. These costs consist of (PITH) Principle, Interest, Taxes and Heating) . The amount that you are allowed to borrow will be based off of your credit score. A credit score of 680 or higher and you can have a GDS of 39%. A credit score below 680 and your maximum GDS is 35%. To calculate your PITH you will need to add up the principle and interest of the mortgage along with the monthly property tax and heating. (Half of your condo fees will also be included is you live in a condo) If this number is less than 35% of your GDS you qualify! The other number used is your TDS (Total Debt Service). This is the total debt that you have, including lines of credit, credit card payments and car loans, but not insurance. This number can be 42% of your gross income with a credit score under 680 and 44% if your credit score is above.

As of January 1st 2018, all mortgage transactions must comply with a stress test guideline, often referred to as B20 guidelines. In order to calculate your GDS and TDS ratios, you would need to ensure that you are calculating these percentages using these guidelines. The end result to a consumer seeking a mortgage is that your GDS and TDS must be calculated at the Bank of Canada Qualifying Rate (as of Oct 16 2018, this is 5.34%) or the contract rate being offered plus 2%, whichever of these is higher.

Fixed vs Variable

Fixed mortgages offer you the same rate over the duration of the contract. If you have a 5 year fixed mortgage at 3.00% interest your payment will remain the same over the duration of the 5 years. Variable rate mortgages are based off of the lenders Prime rate. This was the same across all lenders until in 2016 some banks have increased their mortgage prime rate. This rate will fluctuate based off of the Bank of Canada’s overnight lending rate. A variable rate will go up and down based on the overnight lending rate. The Bank of Canada meets and decides movement 8 times annually. If you have a variable rate mortgage your payment amount can increase or decrease based off of the overnight lending rate. Adjustable rate mortgage is much the same as a variable rate mortgage, but instead of the payment going up or down the amortization will get shorter or longer. Most Canadians call adjustable rate mortgages variable, but it is important to know the difference. Amortization is the duration in which you intend to pay back your loan.

Amortization

In Canada with have mortgage terms, which are how long you are locked in at a particular rate, but the amortization is the total duration of all loans in order to pay back your mortgage. Payment frequencies will vary by lender, but most will offer some or all of the following: monthly (once a month), Semi-Monthly (Twice a month), bi-weekly (26 times a year) accelerated bi-weekly (26 times a year at bi-monthly amount), weekly (once a week). When getting a mortgage you have several options. You can go to your bank, a credit union or a mortgage broker. All have different benefits and are worth exploring to see what is the best fit for you.

Resources

Using TFSA to pay your Down Payment

http://homeownership.ca