How to Help your Teens Get Started in Stock Trading

Teaching your teenager the importance and responsibility of investment is a vital part of your child flourishing into a young adult. It’s never too early to start your student’s education about investing into the stock market and stock trades. There are plenty of ways to assist your teen in the learning process.

Learning the Basics

The stock market is a collective complex system where shares of companies are traded, bought, and sold. Many factors play into determining whether stock prices rise or fall, some of these include things such as the media, natural disasters, political or social unrest, and of course supply and demand. If there are more buyers than sellers, stock prices will tend to rise. Buying when stock prices are low and selling when stock prices are high is the key to making a reasonable profit.

Paper Trading

Paper trading is a way for future investors to practice the trading system without the risk of using real money. Paper trading is an age-old practice of writing down a fixed sum of money on paper and pretending to use it the way that one would in a real stock market scenario. Participating in paper trading is an easy thing to do alongside your teenager. Choose a few stocks that you would like to invest in, and write down the current stock price next to each name. Remember that you are buying a finite number of shares based on the current market conditions.

To figure out how much money you’ve spent, divide your total investing money by the number of stocks that you’ve purchased. Once that stock has sat at a value that you would wish to sell it at, make sure to subtract $10 – $20 from your figure. Most brokerage accounts charge a fee per trade. Divide your per-investment figure by the actual share price and you have the profit that you’ve earned!

Gather the Funds

In our current society, you need to have money to make money. Investing in smaller trades will lead you with a smaller profit, but it may take some time before your investment can return a profit. Consider taking out a small personal loan for investment purposes through Fixed payments of a personal loan are easy to budget, and stable interest rates allow you to pay it back over a set term.

Teach the Responsibly of Investing

Investing money that you can’t afford to put away is a dangerous risk. Pulling out of a stock too soon or being too emotionally attached to an investment that is failing are two of the biggest downfalls to investing. Make sure your teen is aware of the risk that investment brings and to not be afraid to cut loses when a stock isn’t going well.

Closing Thoughts

Helping your teen to get started with the stock market will be an investment in itself. The skills that they will learn and the responsibilities that come with investments are life skills that will stay with them as they progress in their careers.

Reduce the Grief of Your Loved Ones by Planning Ahead for Your Funeral

No one wants to think about planning their funeral because the idea of dying is daunting to most people. It is also something that will happen to everyone however, making it a necessary evil to plan for. The main reason to plan a funeral and make all arrangements is to take the stress off loved ones during this time. While it is true that you will not be around to care, your loved ones will so anything you can do prior to your death to help take care of them will be appreciated. It is truly the last thing that you will be able to do for them.

Of course, there are a lot of things that you need to take care of when it comes to funeral arrangements. Unfortunately, it is not as simple as choosing a casket and a graveyard. You will need to make arrangements with the funeral home, choose a service and minister, choose a plot, take care of buying a headstone, select a casket, and set aside money to pay for things that will have to occur after death such as opening and closing the grave. These are just a few of the many things that need to be arranged, but if you sit down with a funeral director they will help streamline the process a bit for you.

It is easy to get depressed and overwhelmed when you tackle the task of funeral arrangements given the high cost of funerals and the actual subject matter, but a funeral director will help you through the process. Those who start early can actually make arrangements to make payments on the funeral costs which can help spread out the final costs. This will also help your family a great deal since you will have paid off all expenses if you start the arrangements in good time.

After all, death is a very devastating event for all family members, and dealing with costly expenditures on top of it will cause stress to pile on top of the overpowering grief. Therefore, even if you do not want to think about it, planning your own funeral can be the last graceful thing you do for your family. This way they will have time to grieve and focus on healing instead of becoming stressed out about how to deal with all of the arrangements. With just a little forethought you can save your family a lot of grief down the line.

PNB MetLife – One of the Best Life Insurance Companies in India

A life Insurance policy is an integral part of a successful financial planning. A life Insurance plan not only gives financial securities, some plans also allow you to create wealth for future. Hence, if you have a life insurance plan from a reputed Insurance company, you can lead a life free from financial worries.


PnbmetLife is a very popular Insurance Company in India. PNB MetLife was introduced in the year 2001. In India the company has secured the trust of over 3.6 million customers. As per the IRDA annual report 2013-14, the claim settlement ratio of this Insurance Company is 90.24%.  The Insurance Company has a widespread presence over 7000 locations across the country. In the last few years the company has seen a huge profit coming from India.

PNB MetLife offers a wide variety of Insurance solutions. Let us take a look at four different types of life insurance products offered by PNB MetLife Insurance Company.

MetLife MeraTerm Plan

It is a non-linked non-participating pure term plan offered by PNB MetLife. The features and benefits of the plan are as follows:

  • The plan offers comprehensive life coverage at affordable premium rates.
  • You can include your spouse in the plan.
  • You can increase your life coverage.
  • Minimum entry age is 18 years.
  • Maximum entry age is 65 years.
  • Maximum maturity age is 75 years.
  • Minimum Sum Assured is Rs. 1,00,000/-
  • You can customize you payout option.
  • Four different rider options are available to enhance your protection.

PNB MetLife Smart One

It is a Unit-Linked life insurance plan offered by PNB MetLife. Following are the features and benefits of the plan:

  • This provides the dual benefit of investment and insurance
  • The plan allows you to take benefit of the stop-loss option that protects you from downward market corrections.
  • Minimum entry age is 3 months
  • Maximum entry age is 65 years.
  • Minimum and maximum maturity ages include 18 years and 75 years respectively.
  • Minimum premium amount you have to pay is Rs. 18000/-
  • The plan allows Single premium mode.
  • You are allowed to withdraw from your corpus (partially) after 5 years from the commencement of the policy.
  • You are eligible to enjoy Tax benefits under this life insurance plan.
  • Loyalty Additions are added to the maturity benefit.

MetLife Smart Child Plan

This is a unit linked child plan offered by PB MetLife. Following are the key features and benefits of the plan:

  • This plan offers life insurance coverage while fulfilling all the future dreams of your child.
  • The plan allows you to secure your savings from market fluctuations.
  • Loyalty additions are payable at maturity.
  • Minimum entry age is 18 years
  • Maximum entry age is 55 years
  • Policy terms include 10 /15 / 20 years
  • Sum assured is 10 times the annualized premium.
  • You are eligible to enjoy tax benefits under this life Insurance plan.

Metlife Retirement Savings Plan

It is a non-linked participating pension plan offered by PNB MetLife. Following are the features and benefits of the plan:

  • The plan guarantees a regular flow of income after your retirement.
  • You will receive part lump sum on maturity.
  • The plan allows you to extend accumulated savings.
  • Simple reversionary bonus and terminal bonuses (if any) are payable with the sum assured.
  • Minimum entry age is 30 years.
  • Minimum vesting age is 50 years.
  • Maximum vesting age is 75 years.
  • In case of your untimely death, the total retirement corpus is payable to your nominee.

Different life insurance plans offer different benefits. Everybody should have at least one life insurance plan. However, it is best to have all the four plans mentioned above for providing a manifold protection to your family. A term plan will safeguard the future of your family in case of your unexpected death. As you get married, you should start investing in a Unit-linked life insurance plan for growing wealth. With the birth of your first child you should buy a child plan that will take care of all the future financial needs of your child. Finally you should consider investing in a retirement plan as this will ensure a financially independent post-retirement life for you.


How Brands Are Like To Be Affected By Modifications of Instagram Feed

Instagram’s recent announcement that it would be changing the way a user views his feed has created quite a flutter with marketers. The algorithm that governs the feed of Instagram would behave more like that of Facebook, wherein the feed would be customized as per the habits of the user. According to Instagram, this change has been necessitated due to the fact that as of now most people are missing out on about 70% of their feeds. Instagram is of the opinion that the change in the algorithm will now deliver feeds that are more relevant to the user as it will be based on what they are really interested in.

This step seems to be a relevant one, keeping in mind the platform’s exponential growth that has seen its user base rocket to above 400 million in a record time. However, many people have severe reservations and more than 190,000 have petitioned that Instagram should retain its chronological feed style, as otherwise not only small businesses would find their reach severely limited but also undermine the democratic nature of the feed. It is unlikely that Instagram will go back on its announcement regardless of the vociferousness of the opposition so there could be a lot of impact on brands and marketers. Some likely issues:

Growth in the Number of Followers

The major problem faced with the chronological feed model is that with the growth in the number of followers, the feed becomes unusable to a large degree due to the clutter. Because Instagram is intent on not only making the overall experience relevant and more engaging for its followers but also to organically grow the platform, the only way this can be done is by filtering the posts as per the interest of the users. The impact of this strategy is that users will now be able to follow accounts that they really like, and these accounts, in turn, can grow much larger. However, marketers will no longer be as certain that their posts are being viewed by all their followers, so the actual count of followers that is the benchmark of account popularity currently will no longer be as relevant.

As of now, it is not quite possible to tell how much the changed algorithm will restrict marketer’s reach but if you go by what has been seen in the case of Facebook, organic growth can become far more difficult. Even in the matter of measuring reach, the total number of followers will tend to become irrelevant, and an increasing number of followers will actually begin to follow more Instagram accounts of their choice. You can learn how to get on top of these marketing challenges by tapping the expertise of the digital marketing team at Instamacro.

Engagement Will Be Even More Vital Than Before

When marketers are faced with an algorithm that prioritizes content based on what it perceives your interest to be in, it becomes all the more imperative for content to be really engaging. If they really want to compete effectively, they will need to focus on creating content with an appeal that will lead to a greater level of engagement. Since marketers will no longer have the assurance of guaranteed reach, there will be a lot of pressure on creating content that is relevant to the target audience and locks them in time. It is expected that overall reach will be dependent on the degree of engagement that the content has rather than just the sheer number of followers.

Influencer Demand Will Rise

Because marketers are likely to find it increasingly difficult to get across to their target audiences organically, they will need to explore other methods. This means that the importance of influencers will rise dramatically. There will also be a greater emphasis on identifying influencers who may have lesser numbers of followers but with a higher level of engagement. Marketers will prefer to work increasingly with influencers with a higher level of engagement so that they can connect better with their followers.

Author bio: Marsha Burton heads the digital marketing initiative for a lifestyle product brand that has been creating waves with its innovative designs. Marsha has extensively interacted with Instamacro to position her brand better on Instagram and other social media platforms.


Purchasing a Salvage Car – A Good Idea to Save Money

Buying salvage title cars have always been a matter of some debate. While there are some who firmly believe that salvage title cars offer superb value for money, there is a wave of criticism that it is impossible for buyers to really figure out the extent of damage suffered by a salvage car, besides which, there are innumerable problems with financing and insurance. Some basic reasons why many people still prefer buying salvage cars:

The Advantage of Low Cost

The most compelling reason why people prefer salvage cars to pre-owned vehicles is because they come at a really rock-bottom price. After all, these vehicles have been written off by the insurance company on the premise that the cost of repairs will exceed the value of the car. However, due to the extremely low cost, some problems do arise. It is impossible for anyone to really figure out the worth of the vehicle as no blue book site values them. This is the main reason why most sellers of salvage vehicles are glad to sell them even for a pittance. Earlier, transactions for salvage title cars used to be quite limited as buyers and sellers were unable to locate each other but the advent of numerous online auction sites have made it quite easy.

Low Insurance Premiums

Since the value of salvage title vehicles is very low, experienced buyers use this to their advantage by shopping for insurance companies who offer insurance premiums that are commensurately low. As a result, the cost of ownership is perhaps the lowest possible; not only is the car bought for next to nothing but also the insurance premium is quite low in a reflection of its actual worth. Most often, buyers of salvaged cars for sale without any experience will find it difficult, if not impossible, to find insurance companies willing to insure the cars. Even if they are agreeable, they often quote premiums that are sky-high, while still others may offer to cover at usual premiums but in the event of a claim payout close to nothing.

Maximum Savings

Experienced buyers of salvage title cars understand very well that after buying a particular car they would have to live with it for the rest of its operational life because there is no market for a resale. But this is not a deterrent at all for people looking out for a means of transport that’s completely functional. They consider that the salvage car has saved them lots of money if it has served them reliably for a number of years as otherwise, they would have had to buy cars far more expensive in comparison. When all you are concerned is about getting from point A to point B at the least possible cost, salvage cars are the answer.

Twin Car Strategy to Save Money

Another great way of saving money, according to buyers of salvage cars, is to make the salvage title vehicle the second but primary form of transport. They go ahead and buy or lease a really nice car that they use as a family vehicle or for making long trips while the salvage car is used for the daily commute and donkey work. Since the first car is used sparingly, the mileage clocked up can be quite low permitting you to take advantage of the really low lease rates. Even if you are buying it outright, the value of the car is preserved better. Even the insurance for the first vehicle can be taken on the pay-as-you-drive basis that can work out quite cheap while the salvage car insurance premium is anyway low due to its minimal value.

Author bio: Robin Handel is an insurance appraiser who inspects vehicles that have been damaged to establish the extent and cost of repairs needed. He is an expert in deciding the true worth of salvaged cars for sale and is frequently consulted by buyers of such vehicles.



Building Financial Security For Your Family

As the head of your family, you naturally want to provide for them, whether it’s just you, your spouse and baby, or a busy family of six. Building up financial security takes time, to be sure, but it all starts with a plan. Socking away money as soon as you can is key to ensuring financial stability throughout the decades.

Savings as Expenses

We all have bills we have to pay — no matter what – each month. But if you treat your savings as a regular expense to be paid, you will reap the benefits down the road. Just like you would pay rent or your mortgage, come up with a set amount out of your paycheck that goes straight to your retirement savings. Treating this as a recurring expense, ideally taken out automatically from your check, means you don’t even know what you’re missing.

Add to a Tax-Deferred Account

When you contribute pre-set amounts to a tax-deferred retirement account, you avoid those impulse spending amounts that open you up to tax consequences and penalties. For example, dipping into your retirement account before the age of 59 1/2 slams you with a 10 percent early-distribution penalty. Add as much as you can to your employer-sponsored 401(k) plan, as well as open a Roth or traditional IRA.

Plan it Out

When thinking about retirement, you know you want to have enough money to be comfortable and perhaps travel a bit. Yes, it costs money to travel and do all those things you always wanted to do, but you can’t forget about everyday expenses such as medical and dental costs, income taxes and long-term care. Making accurate projections about what you will need in actuality will serve you well later. Sit down and come up with a list of what you will need in your retirement years and factor that into your plan.

Expecting the Unexpected

Raising a family isn’t always easy. Things go wrong, people lose their jobs or get sick. Build into your investment plan a way to tackle those curve balls so you’re not left helpless. Build up your emergency savings, enough to cover you for up to six months. Ensure your life, health and disability insurance is enough to realistically cover your family if you or your spouse gets sick or incapacitated.

Open a Side Business

If you’re a stay at home mom and want a way to contribute to the family’s savings, consider turning your hobby into an online business. For example, you can sell crafts and homemade items, build up a clientele and make some real money, all with no overhead and low start-up costs. All you need is $100 to get your website up and running. If your business does well further down the line, you can sell it for a song. Investing in yourself – and your skills – is key, says Kiplinger.

Pay Down Debt Steadily

Maybe your wedding put you back some, or you traveled a lot in your 20s before the kids came along. Perhaps you’re still paying off those student loans. Whatever the case, pay down your debt steadily. If you have credit card debt, pay off the highest interest rate cards first to avoid falling victim to bad credit or sky-high payments each month.

Get Diverse

Just like you wouldn’t place all your bets on one hand at the casino when you have a family, you shouldn’t put all your eggs in one basket when it comes to retirement assets. Pigeonholing your savings to one type of account or just one stock increases your risk of loss, severely limiting your ROI. That’s why asset allocation is critical. Many factors play into how aggressive you get on your portfolio, including your age (the younger you are, the easier it is to play it safe in the stock market) and your tolerance for risk.

Finding a stock broker and financial planner you trust is a big part of developing a sound financial strategy for your family. But not everyone has your best interests at heart. Don’t get burned by a professional who claims to be managing your funds wisely. This is why every person should know a securities fraud lawyer just in case. Call Thomas Law Group today to find out how we help families recover investment loss.



Top 3 Investment Strategies

There are all sorts of opportunities for people to invest in around the world in order to make a little (or lot) of extra money. From stocks and shares to precious metals, ISAs, forex and more, if you’re looking to put some of your finances into an investment then there is a lot of choice.


To become successful making any type of investment a strong strategy is required. These can vary as much as the types of commodities and products that are possible to invest in, and depending on your situation and goals, one may be better suited than another. Here we present three of the best investment strategies to use in 2016.

  1. Technical Analysis

Technical traders use charts and graphs made up of data from recent markets to seek out patterns and trends to help predict future movements. They then act on these predictions and hope to make a profit through technical analysis.

It is one of the most methodical strategies and with practice the same types of patterns can soon be picked out and reacted to accordingly. This differs a lot from fundamental analysis which instead analyses the characteristics of a company to discover its value rather than the price movements.

  1. Diversify Investments

The phrase “putting all your eggs in one basket” applies to the idea of diversifying investments. If someone put all their funds into backing one company, currency or commodity to rise in value and instead it dropped massively then they could end up losing out a lot.

Instead it is a wiser move to diversify investments across a range of different places. Don’t just focus on one market or asset. This doesn’t protect against a loss and in some cases may reduce profit chances, but it does provide the potential to reduce losses by casting a wider net.

  1. Separate Emotion from Investment

Especially when trading forex through ETX Capital and even investing in stocks, it can be hard to keep your emotions in check. If a currency you possess in abundance is rising in value it can be hard to sell at the right moment, while on the other hand you may not be keen to sell one lowering in price for fear of losing out.

However, when investing in anything you need to take a step back and look at it from an objective point of view. Letting your emotions get involved can lead to trouble and the making of risky, rash decisions. An objective strategy will prove far more beneficial.



Car Pawn Loans vs Bank Loans

Car Pawn Loans or title loans as they are often called are an increasingly popular way to raise cash fast. The major benefits of using a car pawn loan instead of a traditional bank loan are fast access to cash, no background checks and no affect on your credit rating.

So how do car pawn loans work?

As the name suggests you are using your motor vehicle as collateral and receiving a loan based on the equity in your vehicle. There are two types of car pawn loans, one where you are required to leave your vehicle with the lender and another where you can pawn your car and still drive it. If you click the link you will be taken to an example of such a loan company.

To secure this type of asset loan you will be required to visit the lender with your motor vehicle and title papers. The lender will assess the value of your vehicle and provide you with a short-term loan based on their assessment. Typically a car pawn loan is for a thirty to sixty day period but longer terms may be arranged with the lending company.

Finding a car pawn loan company in your area can be done via a quick Google search. Be sure to check the fine print for interest rate repayments and these may vary from lender to lender. Also keep in mind that should you not be able to repay the loan on time, you must contact the lender immediately to make alternate arrangements or you risk losing your vehicle.

The entire loan process in most cases takes no more than thirty minutes and interest rates vary from 7% – 20% depending on the lender. Once you have repaid the loan in full the transaction is complete and your title will be returned.

Tips to shift a business plan to a business growth plan

If your business has already gone through the startup stage, then you need to consider the tips that take it a step further. Growing a business requires good planning, use of proper tools, continuous care, dedication, and organizational skills. For any business to achieve its goals, it is important to follow a specific sequence of steps.


Get organized

The first thing you need to do while planning your business strategy is to get organized and the best way to do this is to create a to-do list for your daily tasks. This will help you to complete all your tasks in time and stay on top of tasks to be performed. As you finish each task, check it off your list. This way, you’ll not forget anything and you’ll finish all the tasks that are essential for your business to succeed.

Maintain detailed records

If you want your business to succeed, you need to maintain complete records related to your business. By doing this, you’ll get to know the financial position of your business and also the potential challenges you could be facing like how to consolidate credit card debt. Learning these important details gives you enough time to build up strategies that will help you overcome these obstacles and thereby, ensure a significant growth in your business.

Analyze your competition

Analyzing your competition is yet another thing you will need to consider when trying to grow as a business. If your competitors are doing something unimportant, just ignore it, but if they are doing something important for the business to grow you can implement it.

Be well informed of the risks and rewards

It is also important to be well informed of the risks and rewards of every decision you make, as this helps you to handle tough situations easily and generate tremendous rewards for your business.

Be creative

Another interesting way of ensuring your business grows is to be creative, as this helps you stand out from the rest in the industry. Be ready to accept new ideas as well as approaches.

Find partners

As your business grows, you may sometimes find it difficult to handle it as a single business owner. Hence, you need to find one or more trusted partners who can contribute to capital and share their skills to help the business grow. A partner doesn’t mean that he completely takes over the control of your business. Rather, look for a partner who has more experience and expertise, especially in areas where you lack the skills.

Learn to make sacrifices

Learning to make sacrifices is another important thing you will have to do and this will require you to invest more time for your business and hence, less time with your family and friends.

Provide great service

Providing great service is essential for any business to grow as this ensures the existing customers come back to your store for more. Also, these customers recommend your product/service to others.

The above tips will definitely help you to maintain good business levels and to make the existing business grow.

Be ready to outsource your business with the following steps

It’s the dream of every businessman to raise the pyramid of success and this can be done in various ways. The best thing that you could emphasize for your company is that you could actually involve certain kinds outsourcing, which would be very beneficial for your business because it would no doubt help you to increase the annual earnings of your company. For a business owner, it would be a great success on your part as well. On the other hand, you can see that you can disseminate the benefit of success with other employees as well.


You all know that running a company is a tedious task and you need to face various types of uncertain problems. Most importantly, you need to concentrate on the word deadline. You know that everything in this world is fenced by time. Therefore, it becomes necessary that you should submit all the work within time only. Now sometimes, you and your small team face many dilemmas about how to accomplish the task. Sometimes, some employees might demur to accept that as well. Now, you need to combat these entire situations very bravely.

Prior to outsourcing, you need to follow certain steps:

Be clear to yourself:

Your first task would be to be clear to yourself, that is, you should have an exact notion of the service that you actually want to have. While doing the work, you might face a certain kind of the task, which you actually do not like to do, but you have to accomplish the task at any cost. In such cases, outsourcing would be the best option. Thus, you would find that the hectic job gets easier and you could humbly disseminate the responsibilities amongst the co-workers.

Make your decision:

Now is the time for you to decide, you need to prioritize the tasks that you actually want to complete. Moreover, you need to make a chart where you should list down all the important tasks, which you should then explain to the other outsourced people so that your task becomes smoother. The best would be that you should describe everything at length; this would definitely give you a desirable result.

Check out the qualification:

Since you are in a whirlpool of task, you feel perplexed, and in that time, you need to search for the people who would serve your company. In these kinds of cases, you cannot simply rely on the person. For this, you need to check out the qualification of the person, that too in detail. Once you recruit the person, your next task would be to determine the responsibilities of that concerned person. Remember that you need to be very curt so that you could find the right candidate. At the same time, you should also consider the fact of the budget, which is also quite essential.

Advertising the job:

Once the above-mentioned tasks are completed, your task would be to advertise the job. In that ad, you should mention every detail at length, that is the specific qualities as well as the skill that you are actually hankering to have in a candidate. This would help you to filter out the candidate that you exactly want to have.

Quest for the right candidate:

You always ought to get the perfect candidate for your team. Once a job is posted, it is a fact that you would get multiple candidates competing for one position. However, you should be specific while making the selection. One more thing, you should not be too choosy regarding the expenses incurred because it is tough to get the best among the milling people.

Filtering and interviewing:

Once you get the applications, filter them accordingly. In addition to this, you need to make sure to be concerned about the person’s previous employment status. After all these, you should be mentally prepared to ask the candidates various questions. Since the person is not within your reach like the other candidates, therefore you need to explain the task beforehand.

Proper training:

Once you select the candidates, you should have to train them as per the responsibilities entrusted to them. On the other way round, this would increase the possibility of learning at the same time; and the candidate would be prepared to face the world as well.

Well, the above-mentioned are some of the steps that you need to follow in order to get a successful business.