8 Things That Every Landlord Needs to Remember for the Best Experience

Becoming a landlord of rental property can be very rewarding if everything goes according to plan. But many people jump headfirst into the business without knowing what it means to be a landlord. There are bills to pay, leases to get, and preparing your building for all the people you’re going to be taking in. It’s a lot to consider and that’s why many landlords eventually end up giving up on the business altogether.

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4 Ways to Tell if an Investment is Worth It

Virtually every business professional one day wishes to cash in on a major investment. Indeed, for many, the allure of hitting one big score on the stock market is enough to motivate them for years to come. However, there’s a difference between making investments with the mere hope of return and studying the stock market to find investment opportunities that are actually worth your time. While each investment should, naturally, be taken on a case-by-case basis, there are a few helpful rules that will assist you in your decision-making process. Here are four factors that will determine if an investment is a good fit for your portfolio:

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What’s the Best Van for Your Business?


Does your business require transporting people, products, tools or equipment from different locations across the UK? Or do you intend to start up a mobile product or service business? If yes, you’re probably searching for the best type of commercial van that will suit your business. There are many van options available in the market today, but it’s essential that you choose the right van that will suit all your specific needs. Naturally, products vary in size and weight and the size of your products determine the type of van you will purchase or hire for your business.

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ICO Bubbles: Worth the Investment Risks?

ICO Bubbles
ICO Bubbles

Many ICOs are made with the intention of circumventing formal rules on capital formation. A new form of wealth creation sprung up. Despite decentralization being the theme, wealth creation was centralized in other ways vis-à-vis with those who have a superior understanding of the technology or financial leverage to build an ICO project. This, as well as other factors, have influenced the valuation of ICOs and the history of bubbles in the ICO space. Continue reading

Stuck with a Property You Can’t Sell? 4 Common Home Listing Mistakes That Might Have Costed You a Buyer

 Too many people attribute their home not selling to physical attributes with the property or external market factors. They assume that their home isn’t as desirable as it should be. They wrongly believe that the aesthetic or décor is hampering its ability to sell. In other cases, they attribute a lack of interest from buyers to a slump in the market or the “wrong time of year” to sell a property.

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What You Should Know About Cryptocurrency Insurance

cryptocurrency insurance

Cryptocurrency insurance could be a big industry in the future. It presents opportunities for investment and to secure investments in cryptocurrencies. Just recently popular cryptocurrency exchange, Coinbase revealed that it has a $255 million cover of its assets. Leading insurance giants like Aon and Lloyds are getting into the mix. This heightened interest in crypto-insurance could present opportunities for investors and crypto-holders in the future. Continue reading

Investing in Gold: Why You Should Invest in The Precious Metal

Unlike the paper bills in your wallet or other assets you own, gold has held its value throughout the years. Historically, it has not only proven its worth and more, but it has also played a significant role in different cultures across the world. But just how much of a good investment is this precious metal today? Why should you put your trust in it?

It acts as a hedge against inflation

The value of a currency takes a dip when inflation rises. If you have a look at economic patterns throughout the years, you’ll see that almost all major currencies have experienced depreciation relative to gold. As a result, people prefer to keep their money in the form of the precious metal. This is especially true when the inflation levels remain high for longer periods, allowing gold to act as a hedge against it. In a study, researchers from Trinity College confirmed that gold is indeed the best hedge even against a potential stock market crash. They found that gold prices increased radically 15 days after the collapse. In a panic, investors then sold their stocks and put their money in gold instead. After that, however, gold prices took a hit as stock prices rebounded. Investors then transferred back to stocks, but those who decided to hold onto their gold past the 15 day-mark started to lose money.

It is a tangible asset

Unlike cryptocurrencies, gold is a physical thing you can actually hold in your hand. This tangibility is limited to gold and similar precious metals such as silver — another worthy investment we have discussed here on Budget and Invest. But there’s an even bigger benefit to gold’s tangibility: it’s immune to hacking, which is a lot more than can be said for bitcoin and other hot ticket investments. Theoretically speaking, gold cannot be deleted or stolen by an algorithm. And in this highly digital world, that makes this metal the ultimate safety net.

It can diversify your portfolio

Because gold has a low-to-negative correlation with other major asset classes, economists believe that gold is a good way to effectively diversify portfolios. Thanks to gold’s stability, it has the potential to protect your portfolio from the market volatility when added.

It is a stable investment

Gold is one of the oldest ways to invest in the global stock market. Unlike stocks and other investment instruments, FXCM explains that gold offers perceived stability for many traders. It acts as a safe haven even against economic disasters, like the 2008 financial crisis. Even during the Eurozone crisis, The Balance reports that gold prices stood in stark contrast to downward-heading economies, as they continued to shoot through the roof.

It has an ever-rising demand

The simple truth behind gold investing is that there will never not be a demand for gold. In countries like India and China, gold is crucial to their culture. Currently, both countries are two of the biggest gold-consuming nations in the world, using it for many important purposes. In fact, one of the main factors commanding gold prices is the Love Trade, or the seasonal gift-giving of gold in India and China. And as the middle classes and their spending power continue to grow, the demand for gold is only expected to increase even more.

What’s an interest-only mortgage and is it a good idea to get one?

When most people imagine a mortgage, they think of making monthly payments against a large borrowed sum, plus interest, for a term of 25 or even 35 years, and then owning the home outright at the end of that term—with no more mortgage bills and with the home as an asset for you and your posterity (or maybe, unfortunately, your long-term care). But there are actually two ways to repay a mortgage: repayment, as described above; or interest-only. When it comes to comparing mortgages, it pays to know the difference.

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