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4 Reasons to Seek Help From a Credit Repair Company

Retaining a high credit report score is one of the best ways to ensure you pay less on your new house, car, or loan. But, once your credit has been affected, it can take a lot of time and energy to clear it back up. Traditional do-it-yourself tactics can assist your score, but there is only so much a single person can do. If you require more assistance, going to a credit repair firm would be your next logical step.

In order to determine if you need help with repairing your credit, you will need to weigh the severity of your situation against the amount of time and money you are willing to spend fixing it. Outlined below are the 4 main reasons why individuals reach out to a credit repair company to help with their score.

1. Save Yourself Time

The number one reason that people turn to a credit repair business is so that they can save time. Looking through your report and contacting each line item for review is intensive. Then, once you plan your course of action, executing that plan takes months or years. One person maneuvering in uncharted territory is a slow and inefficient way to begin repairing your credit.

The businesses that deal in credit repair dedicate time to reviewing your history, writing letters, and making phone calls on your behalf. Execution of the plan becomes streamlined and quick. This system is what they perform each time a new client comes aboard, and many times it comes down to a science.

2. Familiarity with Industry Procedures

Knowing the jargon is only one of the hurdles that you’ll face. The industry professionals that you will be contacting will know how to corner you into admitting fault, even when there is none. Moreso, the strategy, order, and timing in which to handle things may end up being more important than how you take care of it. A lot of accountability is required to pursue claims with much larger entities.

Credit repair firms know the process thoroughly and are comfortable with the language. Allow them to contact the governing bodies in question on your behalf. You will find that the process is simpler when you know what to expect.

3. Scale Up Your Results

As an individual, you can only do the work of one person. You have limited time and resources to handle the volume of work that your credit score may require. On top of that, you have so many other things to worry about: job, personal life, other errands, etc. You just can’t dedicate the same amount of time to this unless it is your full-time job.

Well, for a credit repair merchant, it is their job. They can dedicate multiple hours each day trying to improve that three-digit score. Their experience and knowledge aid in how effective they are right out of the gate.

4. Utilize Professional Resources

The best part of working with an industry expert is that you have tracking reports available on a regular basis. With the eyes of a professional on your side, you will get insights into your report. By explaining what each part means and what the plan is to repair it, customers feel more comfortable using a credit repair firm than going at it on their own.

In addition to working to fix credit scores, they also provide credit counseling. They will explain what influences your score and give you tactics to help rebuild your score from home as well. A multi-pronged approach will expedite your results.

Don’t make the same mistakes, seek help from someone who knows the business in and out. Equip yourself with knowledge and you will see a rise in your credit score, allowing you to live your life better.

Important Things to Consider Before Applying for a Loan

There are times when you find yourself strapped for cash and facing added expenses, but you have few resources. A personal loan can help you get out of that bind quickly, but failing to do your due diligence can leave you in an even worse position. By taking the time to research your options and develop a plan for repaying any money you borrow, you won’t have to stress about repaying the loan.

Shop for the Best Interest Rates

Whether it’s student loan interest or the rate on a personal loan, interest rates vary greatly from lender to lender. While a fraction of a percent may not seem like much, it adds up to considerable savings when applied to a loan. In addition to looking at the rates, also look at the length of each loan. While it may not seem like it, a higher interest rate paid back over a shorter period of time may cost you less than a lower rate paid back over a longer repayment schedule. Of course, it’s important to remember that a shorter repayment period means higher monthly payments.

Consider Your Credit

There are a couple of reasons your credit score might dissuade you from taking out that loan. First, if your score is already low, you may be facing higher interest rates. When applying for online installment loans, be sure to check the rates before submitting your application. This will help you determine if you’re paying a higher than average rate. Additionally, taking out that loan probably won’t help your credit score, but, if you fail to make your payments on time, it may bring your score down even lower. Be sure making your payments on time won’t be a problem.

Can Your Budget Handle the Added Expense

Another thing to consider in deciding whether or not to take out a loan is how the payments will fit into your budget. This means creating a new alternate budget that accounts for your monthly payments, so you can see how the loan will affect the rest of your household spending. Typically, people only consider loans when they lack a surplus of unbudgeted cash, so adding a loan payment may require you to trim other expenses. Figure out how you will repay the loan ahead of time, so the loan won’t make matters worse.

Don’t Let Hidden Fees Sabotage Your Finances

In addition to the interest, there may be additional fees connected to your loan. If you don’t learn about these fees ahead of time, you may end up paying more than you anticipated. For instance, the lender may charge a loan origination fee of up to 1% of the value of the loan. While this is more common with real estate loans, lenders have started applying this processing fee to other types of loans. You may also be subject to a failed payment fee for payments that fail due to insufficient funds, or a prepayment penalty for paying the loan off early. Traditional late payment fees also apply to most loans.

While a loan can help you get out of a bind, you should only consider using it after you have researched the terms. When you fail to work out how you’ll repay the loan, you make things worse for yourself and your family. A bad loan can end up hurting your relationships as much as it hurts your finances. However, a properly researched loan that can be added to your budget without much upheaval can help you solve a financial emergency and get you back up on your feet.

How to Launch, Manage, and Grow an Email List

If you are in a line of business that has an online presence, having an email list is not only important, but also valuable. Email marketing is affordable, quick, simple, direct, and measurable. It’s a great way to build brand awareness, increase sales, generate new leads, foster customer relationships, and build your brand. Here are some tips from DatabaseUSA.com®.

What is Email Marketing?

Email marketing is a digital form of communication with potential or current customers. It is a great outlet to engage with your target audience. This form of marketing is also a highly effective way to establish trust, loyalty, and connection with your audience. Using email as a marketing tool is very cost effective, since you have the capacity to reach tens of thousands of prospective customers directly.

How to Get Started

In just a few simple steps, you can easily get started on building a list and emailing your subscribers. First, you must choose an email service provider. Since there are so many providers, narrow it down to what features you would like to have and what your budget will be. The next step is to set up subscribe forms on your website. This is how you will start establishing an email list. Next, set up your welcome email and then decide how often to email your list of subscribers. Often, emailing once a week is sufficient and a great starting place. The final step is to send your first email.

Establishing an Email List

There are so many different and creative ways to establish a mailing list. Here are a few ideas of things you can offer your potential customers or readers to get them to subscribe to your email list:

  • Free email course: This is one of the best ways to get people to sign up for your list. Who doesn’t want to learn something for free? This should be very basic, yet informative. If you have paid products for your business, have your email course relate to the paid promotion. Examples include: 5 Ways to Style a Basic Tee, Learn How to Meditate in 5 Days, and How to Organize Your Workspace.
  • Webinars: People enjoy putting a face to a name (or business), so creating webinars are highly valuable. A webinar is simply a workshop in the sense that you teach your audience something specific and generally lead them to a product to purchase at the end. In the end, you are getting your content in front of a large audience, as well as gaining new subscribers.
  • Giveaways: These are a huge hit and can truly explode your email list. Be sure to give away something of value that relates to your business. The last thing you want is to build a huge subscriber base that will never open another one of your emails again.

Email Content

Knowing which content to share with your subscribers is important. The content you send should be engaging, so here are a few things to consider to help you engage with your audience:

  • Create a topic that is intriguing.
  • Keep the email 90% informative or educational and 10% promotional.
  • Always use an engaging subject line to give your readers a reason to open it.
  • Keep your email short and to the point.
  • Test before sending your emails to ensure all links and images work properly.
  • Include a call to action to lead your audience to your webpage.

Generating Sales Leads

An email offering an educational experience or solution to a problem is one of the most engaging emails you can send. I previously mentioned a few ways you can end with the sale of a product through email courses and webinars, but you can also generate sales leads through images and product samples. Utilizing infographics and photography is a great way to lure your audience in, as people notice visuals before text. Product samples are a way to give your potential customer a physical item to touch, look at, and review. Consider promoting your free samples through an email campaign so that you are not only getting your product in the hands of others, but also building your email list at the same time.

As you can see, email marketing has many benefits. It’s a long-term, stable investment that will continue to pay off for many years to come. If you’re in need of an email list or mailing list, head over to DatabaseUSA.com® and see what solutions they have to offer.

Why Do We Lose a Trade After Winning One?

Sometimes when you make a good trade, it would change the perspective of yourself. You might start thinking that your trading performance is changing. “My level of trading is increasing” this thought can roam around in your head. And with excitement, you might keep on trading with opening another one after the one you have won. This time you might be looking for another good hit as you have followed the same strategy as the last (winning) one. Surprisingly, this trade could come out being a loss project. You can even lose the whole profit won from the last trade of yours. This happens to traders most of the time. Today we are going to show you some reason behind this kind of phenomenon of the traders.

Feeling too excited for winning

Like we said in the intro, you must get excited when you win a trade. Why wouldn’t you, it is a human nature to get happy with wins. When you do so, there is a chemical in your brain that will be injected. That is called ‘dopamine’ and it helps to cool down the adrenalin created by happiness in your brain. Another thing it does is, slows down your brain’s functioning power. In that situation when you are happy, the brain does not work properly. Most importantly, thinking power stays irrelevant at that time. And when you open a trade being happy or excited, there must be poor planning for it and you must position it at a bad time. As a result, your trade will become a loss.

Ignoring your weakness

Do you really know your weakness as Forex trader? Majority of the UK traders start trading without having enough knowledge about this market. They simply use the market leverage to earn huge money within a short period of time. But this not the proper way to master the art of currency trading. You have to start with the demo trading account as it will offer you the perfect environment to develop your skills. Some of you might get bored with demo trading environment but this is just a part of your training. You must have a high level of patience or else it will be very hard to overcome your emotions after losing real money in the Forex market. It’s highly recommended, you demo trade for at least six months as it will help you to identify your key weakness. Once you know your weakness, you can easily develop yourself as a currency trader.

Getting frustrated with a loss

Besides being happy or excited about winning, there is another thing that bothers the traders. That is called losing and you might have heard about this word. If you are a novice in this business, that word would be your closest friend. And when you lose, multiple things appear in your head. They have really strong names like frustration, regrets, anger etc. and they have stronger forces on your brain too. They bother your head from being efficient. And most traders fall for the trap too. They think about what they have lost in the last time they have traded and forget about getting good for the next one. And when you trade without planning about new trades, the next one will be a disaster too.

Frequent trading problem

Frequent trading mostly comes from the emotional dilemmas we talked about in the last segment. When you are thinking about the loss you have made from a trade, your brain will only think how to recover from this loss. It will not try to make an effective plan for your trades. And when you are trading too frequently, there will be no proper time for thinking about your trades either. As a result, the trade you are going to execute will not be a proper one to win either. And you might lose it for the lack in planning too.

Explaining Loan Jargon and Acronyms

In the world of finance we love to create new words, terms, abbreviations and acronyms and sometimes we’re not so great at explaining what these mean. To help you we’ve created a list of the most commonly used terms when you take out a loan and an easy explanation of what each term means:

APR

APR stands for Annual Percentage Rate. This is the rate at which someone who borrows money is charged. It is calculated over a twelve month period and is shown as a percentage. The APR percentage represents the actual yearly cost of the funds over the term of a loan.

Bad Credit

Bad Credit describes an individual’s credit score. If someone has bad credit their credit score will be low. This may be because they have had difficulty paying money back in the past. Some institutions, such as high street banks and online lenders, will not lend to people with Bad Credit. There are specialist lenders like TFS loans who are happy to lend to individuals with Bad Credit, providing that they have someone who can act as their Guarantor.

Bankruptcy

Bankruptcy describes a situation in which a business or person becomes bankrupt. If a person or business becomes bankrupt they are unable to pay what they owe (any outstanding debts). They go through a legal process which, once completed, successfully relieves the debtor of the debt obligations incurred prior to filing for bankruptcy.

CCJ

A CCJ stands for County Court Judgement. This is an order from the Country Court instructing an individual to repay a debt. A lender can apply to the County Court if a Borrower hasn’t repaid a debt, they effectively take legal action against the Borrower to recover the money. Some institutions, such as high street banks and online lenders, will not lend to people with CCJs as they are considered too risky. Specialist lenders liks TFS loans we are happy to lend to individuals with CCJs, providing that they have someone who can act as their Guarantor.

Credit History

A credit history is a record of a Borrower’s responsible repayment of debts over a period of time. When applying for a loan, lenders will often look at an individual’s credit record which details out their credit history from a variety of sources, including banks, credit card companies, collection agencies and governments. This helps the lender to judge the risk of lending money to an individual.

Credit Score

A credit score is a three digit number that is based on information in a credit report (which is a report of someone’s debt and payment of debt). The number ranges from 300 to 850 and gives an indication of how likely a person is to repay their debts. A higher number indicates they are more credit worthy and likely to pay back their debts. Lenders will use an individual’s credit score to make a decision on whether to lend to an individual and how much they are prepared to lend.

Debt Consolidation

Debt Consolidation is a method used for managing debt. It involves taking out a single new loan to pay back several of your other debts and liabilities, so an individual has one larger loan to pay back, usually with more favourable pay-off terms e.g. a lower interest rate, lower monthly payment or both.

Defaults

To default means a person fails to fulfil an obligation. In the case of a loan it means a failure to repay a loan that you are legally obliged to repay.

Fixed Flat Rate

A fixed flat rate is a single fixed fee for a service or loan, which does not vary with usage or time of use. It is sometimes referred to as a flat rate or linear rate.

Direct Debit

A Direct Debit is an arrangement for making payments, usually to an organisation, in which your bank moves money from your account into the organisation’s account at a regular time. When you take out a Loan most companies will ask you to set up a Direct Debit with your Bank. You are effectively giving permission for the lender to collect the loan amount each month from your Bank account on an agreed date.

Fraud Prevention Agencies

Fraud Prevention Agencies (FPAs) collect, maintain and share information on known and suspected fraudulent activity. Some Credit Reference Agencies (CRAs) also act as FPAs.

Guarantor

A Guarantor is a person that promises to pay back a loan if the person that borrowed the money cannot pay it back. Guarantors are required for Guarantor Loans. If you were to apply for a TFS Guarantor Loan your Guarantor must be a UK Home owner with a good credit history, who can afford to pay back the loan if you cannot.

Guarantor Loan

A guarantor loan is an unsecured loan that requires the borrower to have a Guarantor who co-signs their credit agreement. By doing this the Guarantor agrees to repay the Borrower’s debt should the Borrower default on the agreement repayments. Guarantor loans enable people who have either no credit history or poor credit history and have been refused credit from main stream lenders like High Street banks and credit card companies, to obtain a loan. Because they have the backing of a Guarantor they are often able to access more money than would otherwise be available to them.

Homeowner

A homeowner is someone who owns their own home – this can be a house, flat, apartment, bungalow etc. A homeowner does not need to own their home outright – they will often have a mortgage on it.

Rate of Interest

Rate of Interest is the interest (usually expressed as a percentage) that a financial company or bank will charge you to borrow money, or the interest it pays you when you have money in an account. In the case of a loan the Rate of Interest is the proportion of a loan that is charged as interest to the borrower. This is usually shown as an APR %.

Secured Loan

A secured loan, is often referred to as a homeowner loan because the debt is linked to the borrower’s property. The amount you can borrow, repayment terms and interest rate offered on a secured loan is linked to your personal circumstances and the amount of ‘free equity’ you have in your property (this is the difference between the amount you owe on your mortgage and the value of your property). You can generally borrow more with a secured loan, but should you default on your payments you risk losing your property.

Unsecured Loan

An unsecured loan is not protected by any collateral, so should you default on payments the lender can’t automatically take your property, but this can happen after court proceedings. Unsecured loans can be offered to people who don’t own property and that makes them available to a much wider range of people. They are flexible to repay – you can choose the amount and over what time period you repay your loan. All TFS Guarantor Loans are unsecured loans.

Author: Robert Smoker joined TFS Loans as CEO in September 2014 having been with Brown Shipley & Co Ltd a prestigious UK Private Bank for over 36 years. Robert joined Brown Shipley in 1977 as a Management Trainee in their lending and trade finance division. He was appointed Head of Lending in 1990 and restructured their lending activity prior to a number of business acquisitions in 2001 as the Bank focused on providing wealth management and private banking services.

He was appointed as an executive director in 2002 with board responsibility for Compliance and Risk Management and latterly Audit in 2004. He was responsible for ensuring the Bank maintained an exemplary regulatory reputation following the transition to FSA in November 2001 and the introduction of the PRA in 2010 following the Banking crisis.

Robert remained at Board level until 2014 and following the acquisition of Brown Shipley by Qatari investors in 2012 was given responsibility for the investment management, banking, financial planning and pensions teams in the London office to help implement the group’s growth strategy.

 

Why More Australian Businesses Are Outsourcing Debt Collection And Other Services

To operate a successful business it is crucial to maintain a positive cash flow and trying to recover debts from a client is sometimes not easy. Once a client is past due date with his payment, debt collection can be processed in-house or outsourced to a third party. Hiring a collection agency is not uncommon for companies as sometimes the debtor tries everything to avoid paying the receivables and securing payment can be stressful, time-consuming and inefficient if the business financial department lacks experience and the right tools to secure debt within the shortest time period possible.

More and more Australian businesses are now outsourcing debt collection to take the burden of debt collection off their shoulders and protect their company against growing debt and bankruptcy. Read on to find out the number of reasons why its best to involve a third party when it comes to debt collection and how the business will benefit from outsourcing this task.

Saves time

A professional debt collector will save the business time by taking a proactive approach and call the debtor immediately on the same day of hiring to secure payment. The expert is trained to create a collection plan and be as stubborn as it needs to retrieve the debt owed, hence there will be emails and letters following the calls. An agency has the time to pursue debt with a flexible approach and work with the creditor in the best manner possible.

Expertise

As debt collectors have the necessary skills and expertise to perform legal debt collection activities they are specialists in their field and will be more likely to get money back in an efficient manner. If a phone call and a letter are not enough to recover the outstanding payment they will have tools to deal with debtors as well as resources available to issue legal proceedings against him.

Cost-effective

There is the assumption that hiring a debt collector is a costly matter. But the truth is, that the business will start losing even more money once the in-house collection team is ineffective or extra staff needs to be employed that has experience but costs an extra salary. A professional debt collection agency will try to retrieve debt in the shortest time possible to save the company time and money.

No staff training

Trying to retrieve debt using internal resources can be very stressful for employees, which might affect their productivity and overall performance in the business. Reminding debtors of their due date is not an enjoyable task and some staff might need training to become comfortable in making such correspondence as well as to learn legal recovery techniques. Hiring a debt collection agency will not only cut back the need for internal staff but let a neutral and rational expert handle the collection process.

Keep focussed

Engaging a debt collector will optimise the business productivity as no employer needs to take time away from the company and all staff can focus on internal tasks and concentrate on their main position. Without wasting valuable human resources on the difficult task of debt collection, hiring a debt collector will increase the business sales and keep the company successful.

Flexible approach

A collection agency will quickly understand the business and gather all information it needs to recover the debt in the shortest time possible. The experts are in the know of different approaches, which will influence the success in securing payment. Sometimes their resolution is actually to engage the debtor and not confront them to reap positive results and maintain the business relationship for the better.

More impact

Receiving a call from a debt collector will make the debtor uncomfortable as it makes him realize the creditor is serious about payment terms and conditions and they are more likely to pay. With an agency involved, debt is usually recovered without the need for legal proceedings as a letter from a debt collector often puts enough pressure on the debtor to uphold their agreement.

Maintain client relationship

By outsourcing debt collection the business is able to improve its customer service and communication as collection agencies have negotiation skills that are vital for the business, being careful as to maintain a healthy relationship between the client and the debtor. The debt collector will take over all communication between the business and customer and treat the debtor with professionalism but will always act in the business best interest to ensure a positive response from the customer.

 

Watch These Rising Solar Energy Company Stocks

We’re all worried about global warming and ozone depletion. It’s melting the ice caps, which risks sinking island nations – maybe even some Aussie beach towns. It exposes us to higher levels of skin cancer and generally messes with life on earth as we know it. One of the major ways to slow the tide is by ditching fossil fuels in favour of renewable energy. Alternative energy sources include wind, water, biogas, and steam.

Ironically, solar power is a popular choice, so we’re benefiting from the increased sunlight in a roundabout way. In the past, solar energy was expensive and impractical, but solar panels are getting cheaper and cheaper, and companies all over the world are investing in the sun. India just opened the world’s largest solar park in Karnataka, spanning 13,000 acres. From an investment perspective, this makes solar power companies a sure bet, so let’s look into some of the top contenders around the globe.

Atlantica Yield PLC

This UK-based company is a powerhouse in solar energy, but they also have investments in water energy, natural gas, and wind farms. Their operating income has been steadily expanding, and their stock price has continued its solid gains four years in a row. Its energy assets are spread across the USA, South Africa, Algeria, Spain, Uruguay, Peru, Mexico, and Chile, giving it on-ground representation in four continents.

If you’re a long-time investor, you might know the company by its former name, Abengoa Yield. Atlantica was strengthened earlier this year when Algonquin – the Canadian power and utility company – acquired a 25% stake, injecting capital and stretching ABY’s influence in North America. Algonquin is now ABY’s largest shareholder.

First Solar Inc. (FSLR)

In a strange – or perhaps intended twist, this American solar company could benefit from Trump’s time in office. The US President’s tariffs on solar panel imports from China have largely been seen as a bad move. It hurts China and could raise production costs for companies that use Chinese components. However, FSLR uses thinner cadmium-telluride panelling, so they could be positioned as an alternative to the now pricy Chinese panels.

This allows them easy access to the market with hardly any competition. The company’s stocks didn’t do too well in 2016, but throughout 2017 their fortunes improved with a 20% rise in October and another 13% in December. By last month, shares were trading at close to $70, making it serious eye-candy for any overseas stock broker.

Sunpower Corporation (SPWR)

2016 was a harsh year for SPWR. They lost nearly 70% of their share value. For any other solar company, this would have raised a bankruptcy scare. Fortunately, SPWR is shored by traditional fuel, thanks to its 66% ownership by Total S.A, a company with firm footing in the petroleum industry. In solidarity, Total bought solar panels for the 5,000 petrol stations that it owns, marking a boost in Sunpower sales.

The company’s strategic decisions are looking good for share price too. In response to Trump’s tariffs, SPWR invested in Congenra Solar’s technology wing, to develop vast improvements in solar panelling, especially related to scale and efficiency. It also agreed to fully acquire SolarWorld technologies, a home-grown US manufacturer of solar panels. This April 2018 agreement completely by-passes the China tariff problem.

Vivint Solar Inc. (VSLR)

The company had a wild ride in 2017. January saw a 200% rise in revenue from 2016, and in June, prices doubled, but the gains were eventually lost. Still, the third quarter saw a profitable turn, based partly on a change in strategy. VSLR switched up its business model, allowing consumers to buy in cash or make purchases on a loan basis.

Two years ago, the company ceased operations in Nevada. However, the state passed new laws to make the most of renewable energy by allowing solar power companies to sell their excess to electricity companies. This had the dual effect of offering a new revenue stream and gathering consumer interest in solar power, allowing VSLR to resume Nevada operations.

Jinko Solar (JKS)

We’ve been looking at the effect of the solar panel tariffs in the US. Now let’s see what they’re doing to China. JKS CEO – Kangping Chen – downplays the impact. He says his selling prices in the US are stabilising. In 2016, one watt of solar power sold at 30 to 31 cents at the start of the year, and had risen to 25 cents by year’s end. In 2017, prices hovered between 37 and 39 cents. A 10% to 15% drop was expected.

Mr. Kangping did note that PERC cells were gaining popularity because they were more efficient, but they cost more. At home in China, a June reduction in solar subsidies was expected to reduce demand slightly, but in the first half of 2017, sales went from 6.656 gigawatts to 9 gigawatts. Similarly, Canadian solar company CSIQ says China accounts for over40% of its sales, so the solar market is definitely active.

Secrets of Offshoring: Trade Success Stories

Offshore investing may be deemed as deposits or investments held in jurisdictions other than that of one’s residence. Such investments may be considerably more complicated than local investments due to a number of factors as highlighted below:

Forex risk

This is the risk attributable to the variation in exchange rates in currencies. One’s foreign-denominated assets may enjoy capital gains but may result in losses when those prices are converted back to the domestic currency.

Information asymmetry on the part of the investor

This simply means that you, as a resident in your domestic country, may not know what exactly is going on in another country (in which you have acquired assets) and as such cannot make appropriate investment decisions with regards to these foreign countries.

While these two factors make it significantly riskier to engage in offshore trading activities, offshore investing has some inherent benefits that may make it very well worth investing. Furthermore, analysts predict the Australian to appreciate against the UK dollar making offshore investments even more attractive.

But the question remains, are there any documented successes of offshore share trading? Yes! Many investors have benefited from offshore investing specifically from investing in offshore investment funds.

We outline 5 of the best performing funds in regard to their 5–year returns:

Old Mutual UK Smaller Companies Focus Fund – 183.3 % return

This fund is a portfolio of UK smaller companies within the exchange. Primarily supervised by fund manager Nick Williamson, the fund aims at providing capital growth for its investors. Smaller companies are deemed to be any firms with a market capitalisation no greater than that of the largest company in the Numis Smaller Companies index at the time of initial investment. This return, over a period of 3 years, is quite impressive considering the efficiency of the UK markets. Furthermore, the fund has a return of 108.9% over the first 3 – year period. The recent conducive environment in 2017 in Britain saw companies enjoy better business leading to higher share prices.

Atlantis Japan Opportunities USD – 159.25% return

The Atlantis Japan Opportunities Fund consists of equities and equity – related instruments issued by listed companies in Japan. The fund is managed by Taeko Setaishi aims at providing long – term growth to their investors. This fund doesn’t have any restrictions on market capitalisation of the equities and has shown a consistent average return of 40% for the last 5 years. Considering the fact that the fund is invested fully in equities (an asset class that is characterized by higher volatility than other investment classes and thus riskier), a consistent return indicates immense discipline on the part of the manager.

Dragon Vietnam Equity Fund – 146% return

The Vietnam Equity Fund invests in a portfolio comprised primarily of equities of companies listed in Vietnam or with significant exposure to Vietnam. The portfolio also consists of debt securities to reduce the risk exposure resulting from the equities and provide regular income to investors. The fund is managed by Quynh Le Yen and doesn’t have any restrictions on market capitalisation.

Lindsell Train Japanese Equity B Sterling Fund

This fund is invested in a portfolio comprised of equities listed in Japanese stock markets. The fund is benchmarked against the TOPIX and has the goal of long – term growth of shareholder’s capital.

Polar Capital UK Absolute Equity Fund – 99.98% return

The Polar Capital UK Equity Fund invests in a portfolio comprised primarily of equities listed within the UK and to a lesser degree in European as well as global equities. The fund is managed by Guy Rushton and does not have any restrictions on capitalisation.

Bottom Line

Offshore investing presents more risks than investing in domestically available assets. However, as shown above offshore funds present massive opportunities for investors. Any investor looking to grow their portfolio should consider investing in an offshore fund.

Four Amazing Tips to Reduce the Number of Losing Trades

Losing trades are inevitable in Forex trading. There is nothing you can do to avoid the losing trades. But the pro traders in the United Kingdom uses some amazing techniques to avoid losing trades. It’s not like that they never face any losing trades but it’s all about the percentage of their losing trades. Most of the successful UK traders have more than 70% winning rate in the Forex market. So how do you achieve such a dramatic number in your trading performance? Some retail traders might say they will buy the expert traders trading system but this won’t help them. You have to follow some unique steps to limit your losing trades. But things are not so easy. You have devotedly followed these steps to master the art of trading. Today we will give you four amazing tips which will help you to avoid losing trades in the Forex market.

Follow the footstep of the pro trader

You need a lot to learn from the pro-UK traders. Most of the novice traders trade this market with false confidence and loses a significant portion of their investment. If you truly want to reduce the number of losing trades you need to assess the performance of the successful trader. If you do so, you will be surprised to see none of them are over trading the market. To be precise they hardly place a trade. There is saying in the Forex market, the pro traders do nothing 99% of the time. So if you can do nothing 99% of the time, chances are very high you will execute the quality trades only. Being an active trader you should never take the excessive risk even though you are convened with a certain trade setup.

Use low leverage

Leverage is like a double edge sword. Most of the novice traders consider it as a blessing but they don’t work had to learn its perfect use. But the pro traders always assess the risk factors by seeing the setup in their trading platform. They never take a huge risk in any trade even though every condition for that trade setup is going in favor them. The outcome of each trade is totally random in nature and there is nothing you can do. We all know the novice traders are very emotional. They place big lot size to recover their trading loss. This is where low leverage comes into action. If you trade this market with low leverage you will not be able to trade with a big lot. So limiting your lot size will force to take a low risk which is very crucial for your trading success.

Trade with the market trend

Do you really want to reduce the number of losing trades? If so, make sure you always placing trades in favor of the long-term market trend. Most of the novice traders always try to pick the top and bottom of the currency pairs. But such trading strategy is extremely risky and most of the time it ends up with a huge loss. Even if you follow the simple trend line trading system with proper risk management, you can easily make a huge amount of profit in every month. Just follow the market trend and ignore the reversal trading signals.

Take break from your trading career

We are a human being and we can’t work all day long. The intermediate traders often forget to take a break from their career. You might be making a huge amount of money yet you should take a break on regular basis. Spend some quality times with your family member. You need to stay stress-free or else it will be really hard for you to live a life based on currency trading. The moment you understand losing trades are inevitable is the very moment you stop taking excessive risk. And if you don’t take a break on regular basis you forget this simple fact of probability.

The Important Points on Derivatives in Financial Markets

As you are already aware of the definition of derivatives you need not focus on the definition once again rather let us check out the more details. There are many types of derivatives traded by the traders in the United Kingdom and they are pro at it. If you also want to become a pro trader like them you should make sure to focus on the complete picture of the derivative.  We will particularly detail out about a derivative which must be taken into consideration.  There are many traders in the financial market who prefer to trade this particular derivative because the benefits obtained are invaluable. The advantages obtained from the ETFs are such as tax efficiency, diversification, low expenses and much more. If you are new to the market you would have a hard time in understanding what the market is and you will struggle to profit from the market. If you are not making profits at the beginning you should not give up instead keep trying. The one who tries gets the best so you should try to make profits from the market. Thus, let us improve the knowledge by reading the article.

Being a new trader in the financial world you have a lot to learn about the structure of the market. If you don’t give yourself enough time in educating yourself then you are not going to become a successful trader. Trading is just like running a business against the most competitive competitors. You must have a valid trading system to make a profit on a regular basis. It’s true that at times you will face losing trades but this is absolutely fine. Learn the technical and fundamental analysis very precisely and try to develop your own trading system. Never trade the market based on other people opinion. No one knows about the future price movement so belief in rational logic. If you want to shortcut way to make money in Forex then you are not the right fit for this industry.

The feature of standardization

The best feature of the ETF derivatives can be considered as standardization. It is very difficult to come to an agreement because the needs of the buyer and the needs of the seller contradict. But when you consider the exchange traded funds they are not like other derivatives because they are standardized. Each contact has an expiry trade so the difficulties become less. However, most of the investors and traders are attracted to this particular derivative because of many reasons. The liquidity management involved in this particular fund makes it worth considering. The growth of this particular fund has increased immensely because the traders who are interested in the ETFs are increasing day by day. You will be able to manage your portfolio as well. Actually, this has changed the market to a better condition.

The numerous opportunities

You can even purchase the derivatives of the trading market at any time because traders are offered with numerous opportunities. There are two ways to offset this particular derivative and they are such as selling the present position and the other way is buying the offsetting position. You can focus on these actions easily because it does not consume your time. The derivatives are user-friendly. One of the major reason why traders get attracted to ETF is it is easy to understand.

The Market Depth

Finally, you should have the understanding of the market depth. You should bear in mind that the market is liquid. When a market is highly liquid you need to be cautious. In a liquid market, you are likely to face many risks but make sure to handle it wisely because risks are the barriers to your success. However, you must get acquainted with the market knowledge if you want to become a successful trader.  As we have detailed out the ETF information you should take the time to learn it.