Investing in Stocks Abroad

Diversifying Portfolios With Foreign Stocks

When it comes to investing, the more options one has, the better. International markets open up new opportunities for investors with different risk appetites. Foreign stocks provide new ways to diversify portfolios and benefit from the economic growth of other geographic regions. It is often advised to ensure that 5% to 10% of a portfolio is constituted of foreign stocks. More aggressive investors may be increase their allocation to 25% which is considered as acceptable. Continue reading

The 4 Essential Steps of Building a New Website

Let’s assume that you have a successful business but no website. Nowadays, if you don’t have a website, social media accounts, and an online marketing strategy to compete with your competitors, you’re risking a lot. That’s the reason why you should invest in a proper website from the very start of your business. This is a way to help your clients and customers reach you, as well as increase your exposure. Also, website costs are very low compared to traditional marketing and it gives you the possibility to reach a wider audience.

So, if you’re new in the digital world and don’t like to invest in some expensive website builders, we’ll walk you through the process of creating a website on your own. All you have to do is put some time and effort into the process, and the results will be as you’d like exactly.

1. Choosing a Website Platform

The first choice that you’ll have to make when it comes to building your own website is the platform where you’ll create your site. There are many website builders, and some of the most popular are WordPress, Drupal, Joomla, Launchrock, Wix, etc. You can either choose a platform or build your website from scratch. That being said, to build your website from scratch, you should be a high-end developer. This is the only way your website will look professional. That’s why if you’re a beginner, it’s best to choose the most commonly used website builder: WordPress. WordPress is free and it’s very easy to use, making it the ideal choice for those who are just starting out.

2. Pick Out a Web Host and Register a Domain Name

For your website to be available on the Internet, you need to choose a web hosting provider to rent you a space on the server. This way, your customers can find your website whenever they type in the domain name into the web browser. The domain name is your website’s name and, when typed in, it will lead users to your site.

There are many web hosting companies that offer affordable services along with some of the most important features such as email, an SSL certificate, a greater amount of bandwidth and disk space, etc. You should choose one that meets your needs.

When picking out a domain name for your website, you should first check whether the domain you prefer is available by using this free Instant Domain Name Search tool by Domain Name Sanity. If the domain name you want to choose is unavailable, then you’ll be given several options that are going to be similar to the domain you wanted in the first place. After you make up your mind, you can head on to setting up your website.

3. Set Up Your Website

To set up your website, you should go into the account provided by your hosting provider and click on the “1-click-install” option available in the Control Panel. You can also do the set up manually, but keep in mind that most web hosting providers offer 1-click-install options, and that should be your primary choice.

4. Design & Content

Choosing a theme and template for your website is part of the design process, and this is when the fun begins. You can pick and choose from the many free themes WordPress offers, or buy some from ThemeForest. The prices for the themes in this library start from $2 and they have 46,500 WordPress themes you can choose from. You can also add visuals and play with some stock photos, different types of fonts, and similar assets.

Now that you have the design aspect covered, it’s time to add some content to your website. For your website to be successful, make sure you add quality content to it. Keep in mind to make your content SEO and human-friendly. You can do this by installing the plugin Yoast SEO for WordPress. This plugin is highly recommended to help you out in editing your title tags, meta descriptions, and the like.


All in all, we tried to cover the four essential steps that have to be completed just so you can build your own website. So, instead of throwing tons of money on website builders or hiring developers to build your site from scratch, you can save money and do it by yourself. Nowadays, there are many platforms that offer their free website-building services. The web host you choose should be of excellent quality, and comes with essential features. Your domain name should be authentic and unique, presenting your brand, vision, and goals.

After these decisions where you’d have to pick and choose a platform, web host, and domain name, you should do a 1-click-install of your platform through your hosting provider, set up your site, and make it visually appealing and compelling through design and original content.


How to Avoid Overspending on a House

When you’re buying a house, it’s not easy to remove your emotions from the process. It’s all too easy to find a home, fall in love, and stretch that home-buying budget a bit too far. Avoiding overspending is one of the keys to long-term happiness with your home purchase. There are plenty of simple, proven ways to avoid overspending while still buying a home you love.

1. Honestly Assess your Financial Situation

Before you buy a home, one of the best things you can do is take some time to fully and honestly assess your finances. Look at your monthly expenditures, income, and debts and determine what type of home investment you can comfortably afford. Most lenders recommend that the monthly payments on all of your debts, including your mortgage, should not make up more than a certain percentage of your gross monthly income. You can also save huge amounts of money if you’re willing to relocate. Location is key as well. Ottawa Real Estate tends to offer cheaper housing, largely due to the presence of local universities. 

2. Shop Around for Mortgage Lender and Homeowners Insurance

Interest rate is one thing, but your Annual Percentage Rate (APR) can hugely impact your purchasing power because it directly affects how much your mortgage will cost your family each month. Compare and analyze the loan costs from multiple lenders to make sure you’re getting the most bang for your buck. Quotes for homeowner’s insurance can vary by as little as a few dollars a month to $100 a month and more. Even a few dollars per month add up quickly over the life of a loan, and such a discrepancy can definitely impact your family’s purchasing power. Make sure to get at least three quotes. However, don’t simply pick your homeowner’s insurance because it offers the cheapest rate; cheaper is not necessarily better. Ask for recommendations and reviews. When it comes to insurance, you want to make sure you’re working with a reputable company that will pay your claim if misfortune befalls your property.

3. No Matter How Many Houses You Buy, the Sticker Price is Only One Piece of the Puzzle 

And when you buy a bigger or more expensive home, almost everything costs more. For example, more space generally means more square footage to heat and cool — in other words, higher utility bills. And nicer, more expensive properties almost always mean higher property taxes and pricier homeowners insurance premiums. A bigger house also means everything is bigger and more expensive to repair. A bigger roof will cost more than a small one, and the more windows you have, the more expensive it will be to upgrade or replace them. Flooring is typically priced by the square foot, so more carpet and tile will always lead to higher costs. A bigger yard means more landscaping and a longer driveway means more concrete to pour. The list goes on, and all of those additional costs can add up quickly.

How to Live Below Your Means

Living Below Your Means
Living Below Your Means

With rising prices ,ever increasing consumer wants, and it becomes more challenging for many individuals to live below their means. Credit card bills, keeping up with the Joneses, and other unnecessary expenses are among some of the reasons many individuals find it exceedingly hard to live below their means, finding themselves unable to spend less than the amount of money they are able to make each month. Continue reading