5 Best Investments for Beginners

The adage goes something like ‘the best time to start investing is now.’ For some beginners, this can be painstaking, considering the volumes of information on the best investment with guaranteed returns. Other beginners will think this is an easy way to make a quick buck and plunge head first in the markets.

This post is for the amateur investor who is ready to make a strategic decision to safeguard their investment against exposure to unsustainable risk, but with enough latitude to pursue conservative opportunities that yield capital gains, and learn the ropes of the trade while at it.

Apart from the theoretical understanding of how the financial markets operate, it is imperative that a beginner gets a realistic feel of the different strategies investors employ in pursuit of opportunities in the markets.

The following is a detailed explanation of five best investment approaches suitable for beginners:

ETFs

Exchange-traded funds (ETFs) offer a less rigorous opportunity for participating in the stock exchange. As a beginner, investing in ETF is ideal because an ETF pools together several assets including particular stocks, commodities and bonds, and the performance tracked against an index. ETFs allows you as the investor to trade several assets commonly as if they were a single stock. The diversification of the ETF enables beginners to access a broad portfolio of stocks and bonds providing the convenience and reduced risk. Consequently, the flexible nature of ETFs allows an investor to trade flexibly, with the choice of buying and selling at any time during regular trading hours.

Mutual funds

Mutual funds are pooled investment vehicles ideal for beginners because of its two primary characteristics. First, a beginner is able to access the services of a professional trader in the name of fund manager despite the meek amount of capital, some as low as $25. Secondly, the investor is exposed to minimal risk because mutual funds, like ETFs, invest in a diverse asset class portfolio of stocks, commodities, and bonds across different markets and industries.

Individual stock

After a detailed analysis of the past performance of an individual stock and the prevailing facts, individual stocks can offer a stable investment opportunity suitable for beginners. Caution should, however, be placed to ensure that the investment into the particular stock does not upset the risk tolerance level of your portfolio in case of a negative turn of events. Markets is not always predictable.

Certificate of deposit

Depositing money in a bank over a specified term length with a fixed and guaranteed return of capital plus interest is a sound investment opportunity for a beginner. Certificate of deposits is insured and hence the capital plus interest are guaranteed to the investor at maturity. However, it is important to understand that access to this money is limited during the stipulated investment term length and may attract fees or loss of interest in case of withdrawal.

High Yield Savings Account

This investment also entails saving for the sole purposes of earning capital gains from interest over a specified term length. However, unlike the certificate of deposit, the interest is not fixed and hence interest is according to the prevailing market rates. Funds in this account are however more liquid hence easily accessible.

Chris Bouchard is a strategic consultant who works with non-profit leaders and social entrepreneurs to apply concepts and techniques to identify complex strategic issues, find practical solutions, and devise strategies to create and win a unique strategic position. He also offers project development, proposal writing, and project evaluation services.

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AIG, Private Equity and Venture Capital

AIG: Maurice Greenberg’s piece in today’s Wall Street Journal nearly provoked an attack of apoplexy. I’m not sure if I’ve read such a slanted, self-serving editorial in a long, long time. I’m pretty shocked that the WSJ would publish such pandering drivel. Be that as it may, we all know that the Big Mo controls gobs of AIG shares both directly and through his management of CV Starr, so let’s just say that we know where he is coming from. When he starts out with the bailout-inconsistency argument, he kind of had my ear. But when he went on to praise the Citigroup package while chastizing the AIG deal, I couldn’t help but call bull$hit.

To date, the government has shown everything but a consistent approach. It didn’t give assistance to Lehman Brothers. But it did push for a much-publicized and now abandoned plan to purchase troubled assets. The government also pushed for a punitive program for American International Group (AIG) that benefits only the company’s credit default swap counterparties. And it is now purchasing redeemable, nonvoting preferred stock in some of the nation’s largest banks.

The Citi deal makes sense in many respects. The government will inject $20 billion into the company and act as a guarantor of 90% of losses stemming from $306 billion in toxic assets. In return, the government will receive $27 billion of preferred shares paying an 8% dividend and warrants, giving the government a potential equity interest in Citi of up to about 8%. The Citi board should be congratulated for insisting on a deal that both preserves jobs and benefits taxpayers.

But the government’s strategy for Citi differs markedly from its initial response to the first companies to experience liquidity crises. One of those companies was AIG, the company I led for many years.

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The maintenance of the status quo will result in the loss of tens of thousands of jobs, lock in billions of dollars of losses for pension funds that are significant AIG shareholders, and wipe out the savings of retirees and millions of other ordinary Americans. This is not what the broader economy needs. It is a lose-lose proposition for everyone but AIG’s credit default swap counterparties, who will be made whole under the new deal.
The government should instead apply the same principles it is applying to Citigroup to create a win-win situation for AIG and its stakeholders. First and foremost, the government should provide a federal guaranty to meet AIG’s counterparty collateral requirements, which have consumed the vast majority of the government-provided funding to date.

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The purpose of any federal assistance should be to preserve jobs and allow private capital to take the place of government once private capital becomes available. The structure of the current AIG-government deal makes that impossible.

The role of government should not be to force a company out of business, but rather to help it stay in business so that it can continue to be a taxpayer and an employer. This requires revisiting the terms of the federal government’s assistance to AIG to avoid that company’s breakup and the devastating consequences that would follow.
Hank, you’ve got to be kidding me. The U.S. taxpayers saved Citigroup’s life, and for that we may get up to 8% of the company. THAT is called a “punitive program” in Hank’s parlance for the U.S. taxpayer. In my world when you save a company you own ALL the equity, not 1/12th of the equity. The fact that the taxpayer gets up to 80% of AIG – now that starts to make sense. I agree with the Big Mo’s contention that “The purpose of any federal assistance should be to preserve jobs and allow private capital to take the place of government once private capital becomes available.” But that has nothing to do with post-restructuring equity ownership. He then pulls on the heartstrings by saying “The maintenance of the status quo will result in the loss of tens of thousands of jobs, lock in billions of dollars of losses for pension funds that are significant AIG shareholders, and wipe out the savings of retirees and millions of other ordinary Americans.” Well, Hank, that is 100% on you. YOU should have thought things through before building a company and a culture that gambled it all – and lost. You tell that retiree, that pensioner how you screwed them. That’s called integrity. This thinly-veiled call for personally getting bailed out is both insulting and offensive. And I’m not buying it. I’m sure that my fellow U.S. taxpayers aren’t, either.

Private Equity: The daisy chain of secondary sales of PE L.P. interests will almost certainly accelerate. It is one of those slow-motion train wrecks that is painful to watch. The calculus is easy to understand: public equity values plummet, PE values are stickier and fall more slowly, PE as a percentage of overall assets rises to unacceptable levels, precipitating a wave of sales of PE L.P. interests. An interesting feature of this dynamic is autocorrelation, where PE values are slow to adjust notwithstanding the public market comparables that are available. If industrials are down 40%, then don’t you think a portfolio of PE holdings in the industrials sector should trade well beyond 40% down due to illiquidity? This isn’t the way many PE funds choose to see the world, however. Regardless, the secondary market is just that – a market – and the discounts being placed on marquee funds like KKR and Terra Firma reflect this reality. Pensions and endowments have to dump stuff, and are trying to do so at a fraction of their basis. But even at fire-sale prices it is hard to move the merchandise. In the next few months we’ll see just how desperate these investors are. Might we see KKR trade at 30 cents on the dollar? It’s possible. And frightening.

Venture Capital: I attended an interesting brownbag today with my pals at betaworks. A big part of the discussion was around funding in today’s hostile environment. Here are a few of the tidbits that came out of the dialogue:

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How to Write an Article to Be SEO Friendly

What does an SEO-friendly article look like these days?

Ask 100 people and you will probably get 100 different answers. The problem is that a lot of marketing ‘experts’ are still stuck in the past when it comes to the best strategies for getting a post to the top of Google and this results in a lot of low quality content and a lot of wasted time.

The best way to make an article SEO-friendly is actually quite simple, so read on and let’s dive into what you need to know.

Provide Value

To understand how to write the best SEO-friendly article, it pays to get inside the mindset of Google a little. What is Google trying to achieve?

The answer is simple: it wants to serve its users by linking them to the very highest quality and most relevant content that it can find. Thus, any signals that you can send to Google to show that your content is high quality and relevant, will ultimately results in a boost to your SEO. The question is just how you go about doing that.

One example is to include outward bound links to other useful resources, relevant to the content of your site. This shows Google that you’re interested in providing as much information as possible to your readers, it aligns you with high quality sites and it provides references to back up your claims (suggesting accuracy).

What this shouldn’t mean is that ‘every article needs at least two outward bound links’. This is entirely missing the point as it will create a predictable pattern on your site that will look like manipulation. Link out when it is relevant and useful and don’t be cynical about it.

It’s also for this reason that Google likes to see long content – of around 800 words+. While reports vary, it is generally thought that the ideal content length for SEO is approximately 1,800 words – and this will improve your chances of being features as News.

Keywords

It’s painful to see, but some SEO companies still think that a good SEO article is one that has the same keywords repeated over and over, to the detriment of the reading experience. This is one of the fastest ways to have your content flagged as spam, if not by Google, then by the human readers on your site.

Instead, keywords should be used very sparingly. A density of around 1-2% is recommended but only when that is appropriate and when it fits with the content naturally. This is one reason to write longer-form content though, as longer posts are going to have more space for repetitive keyword use. It’s also important to recognize that synonyms and related terms are just as important, if not more so. Try to write around the subject and let related terms enter your content naturally. This is something you can expect to play a bigger and bigger role in future.

Readability

Finally, space out your content and use lots of headings. Use large fonts and a narrative, user-friendly structure. This will help to keep people on your pages for longer and that’s one of the other things that Google looks for when ranking content.

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6 Productive Strategies Offered By SEO Companies

A common term SEO (Search engine optimisation) has spread over masses. This particular topic has become the talk of leading businesses today. This particular term when applied skilfully can prove to be effective in generating lots of revenue. Not only it promotes the ranking of the website but can invite the traffic of users from the different sources as well.

It is important to keep the focus on the good quality content and links to your website. Truly speaking, these two aspects are hardest to cover. There are certain factors offered by the SEO company that not only increases the ranking but can also generate the desirable traffic.

Provides the Influencers

Influencers are the sound professionals who can help you to promote your blog posts or article diligently. These professionals can be the representative of the company itself or some hired authority. These influencers are subject matter expert who can curate the content of the website professionally. Audiences are bound to attract, as these experts know the ways to gather the attention significantly.

Generates Content Marketing Strategy

When deciding for the delivery of content, it is utmost important to work on the content marketing strategy as well. For content, the two aspects that revolve around it are keywords and the regularity of the post whether it is the blog post or research reports. An SEO company has some strategies that can help search engines like Google to identify the right material and fetch the same to the end users.

Creates Powerful back-links to your website

The SEO professionals when hired can generate valuable series of back-links directed to your website because of the strong digital reach or persona they are having.

Prepares a Mobile Friendly Applications

The Huge population has stepped down their feet on the mobile applications and it is necessary for businesses to underline the rankings of the mobile applications as well unless they will lose their majority of ranking significantly.

Uses the Schema.Org Mark-Up for Effective Layout

The schema.org is responsible for creating a structured data over the internet. It can help Google to identify which set of information or data is a picture, review, video, location of the company and much more. So that search engines like Google can easily identify which set of data is to be presented to end users which can ultimately improve the rankings.

Shifts the Websites to Secure HTTP Address

Google has made clear that websites whose web address has been shifted to secure option that is HTTP will be presented to end user. Thus, the SEO services have begun shifting the current business address to new and safer option of HTTP.

The above are the 6 strategies that are now being implemented by SEO services to meet the trends of coming years.

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8 Secret Tips To Optimize Your Content For SEO

This article is especially for my readers who want to learn everything about SEO. Here I will share with you all the extensive and the advanced SEO techniques you need to know to be successful. I present to you the most advanced SEO strategies that exist. These are the proven methods to increase the rank of your website. With these proven strategies you can speed up the site performance, and get more targeted traffic. Here are eight secret tips to better optimize your content for search engine optimization.

Accessibility And Indexation

Do you know what matters the most for SEO? The content! But is that it? The answer is NO! You might have a website full of amazing, creative and unique content, but if the search engines like Google do not index the site, the search engines can’t crawl the site properly; the unique and attractive content and a beautiful website will not matter at all.

Performance And Website Speed

You may know that site speed is not a large factor in listing the website at the top. It affects the ranking by 1%, but that 1% is often neglected. Google may not give it that much importance, but think of it like this, if your website is quick, easy to load, responsive, then the visitors will be happy visiting it again, any authentic SEO expert services provider will tell you that. Make sure that you understand efficiency makes the user experience better. Once the users get a quick response, they have a better control of the experience.

Now that the search engines index your website let us go further to the next level. The second allows you to analyze & control the performance of your site and also the speed.

Advanced Search

Today SEO is not just about the back links or tags. SEO has evolved over time. The search engines will not rank your website if it is not relevant. Once you understand this part; you will get ahead of others.

SEO Expert Services Prefer WordPress

WordPress is an excelled source. We say source because it is. You will find that almost every blog is created in WordPress. It is an excellent CMS with dozens of capabilities which are SEO oriented. Most of the people know the basics of WordPress, so we will skip those and take things one step ahead.

Advanced Research For Data

When you are running an SEO campaign, it’s like being a detective. It is fun, and it is challenging. To ensure the best you need to get the data or let’s say, pull the data from different sources available on the web. There are many ways in which you can dig the data from various sites.

Research For Keywords

Keyword research is a big thing in SEO. You must have used the popular Google AdWords tool. We suggest you do not stick to only a single tool. Try other dozens of tools available on the web.

Techniques For Link Building

You may use penguin and panda to create the links. But still, you will need some excellent strategies and techniques to make sure that your content is out there. You need to deploy proper methods to ensure that the people see and read the content, and they link back to it.

Other Search Items

It may be easy to rank the text i.e. the content or the article but what about the media on the site? How will you rank the photos? How will you get good ranks on the mobile search? A good SEO expert services provider will also look into these things and will optimize the content for you in a fruitful way for your business.

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5 Key Benefits Of SEO Video Marketing

SEO video marketing is one of the more effective ways to reach your target audience. SEO and video content is very beneficial for business. Marketing to make a lasting impression can have a major impact on your business. Video is powerful content and contributes a great deal with SEO. Here are five key benefits of SEO video marketing.

1. Video marketing is great for SEO

Videos can boost SEO rankings on both major platforms Google and YouTube. Having a well optimized video that reaches your target audience is more likely to become visible in search engines. An optimized title and description lets Google know what it is about. Being that Google shows videos in their search results, its great for a businesses marketing and SEO. Creating links from your video to your website leads to higher rankings in search results.The higher you rank, the more traffic you will potentially get.

2. Valuable Content

With video marketing, content should be relevant, informational and engaging. By creating valuable content, you would be increasing the watch time of viewers which is very important with ranking with YouTube. The longer the viewer stays on a video has an impact on that video ranking higher. Viewers are more likely inclined to watch a video so keep it worth watching.

3. Increased Conversions

Videos can increase sales. Businesses that use video convert to higher sales than businesses who don’t. Viewers can turn into leads, and leads into customers.

4. Brand Awareness

Videos have an opportunity to reach millions on major platforms such as Google, YouTube, Facebook, Instagram and Vimeo. Videos are more likely to get plenty shares and go viral. Building brand awareness through video lets viewers form a connection with your brand.

5. Increased Web Traffic

Videos that are positioned on the 1st page of Google and YouTube means thousands of potential visitors to your website. Potential clients are more likely to watch a video that is positioned on the 1st page rather than a link to a website. YouTube is the second largest search engine. A well optimized, engaging, informational video will increase SEO ranking on both page 1 of Google and YouTube.

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Easy Ways to Make Money Online

If you’ve been looking for easy ways to make money online, I’m sorry to disappoint you. Don’t get me wrong. Easy ways to make money online do exist. However, they are not going to be found on any list you come across on the Internet. Why? Because most of those “easy” ways don’t really work.

Do they work in reality? Not really. Will you earn extra money doing it though? Sure, but you will also make more from your nine to five job. The hard truth is that there are only real easy ways to make money from home.

What are these easy ways to make money from home? Well, for starters, you could write blogs for other people. You could also use social media as a way to make money from home. In either case, you will have to set up your own blog or website.

You could also sign up with an affiliate program and sell other people’s products. If you’re selling someone else’s product, all you have to do is display the link on your site. From there, visitors to your site will click on the link and then make a purchase. That’s pretty simple, but if you can find a way to make extra earnings, your earnings could be very substantial.

However, what if you can’t find any extra tools to help others? That’s fine. You can still make extra money by selling your skills. There are plenty of individuals who are interested in selling their skills to others. You can teach them how to do something, and then once they’ve learned the technique, you charge them a fee. Some folks won’t mind paying a fee to learn something new, and if you can make your tutorial downloadable and easy to follow, you can have a booming internet business selling other peoples’ skills.

Finally, you can earn money from home by developing your own website. This is probably the easiest way to earn a side income from home. It won’t make you rich, but it will help you supplement your income. And it’s a great way to help your loved ones. If you’re looking for a fun way to make extra cash at home, you can’t go wrong by exploring all the possibilities.

The truth is that there are several different ways to make money from home. It’s important to explore all your options, as it varies greatly from person to person. That’s why it’s so crucial to have extra tools to use. However, if you can’t find any extra tools, you’ll have to develop some on your own. It varies wildly. And it will largely depend on what kind of skills you possess.

Extra tools for extra earnings are basically everywhere. You just need to be resourceful. But you should also realize that you won’t be paid an hourly rate by any means. The earning potential can be quite great, but it depends on your ability to market yourself. So as long as you have a product or service that people want, you could earn a side income with ease.

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Essential Tools Necessary for Professional Carpet Cleaning

Carpet is an integral part of floor decor, uplifting the visual appeal of the space with its sleek texture. However, these carpets are prone to wear and tear due to daily foot traffic, dirt, dust mites and occasional spills. To ensure a clean and well-maintained carpet, periodic carpet cleaning using the right tools and equipment is of paramount importance. Cleaning with the standard home cleaning supplies simply does not produce the desired result.

Here are the five most widely used equipment used by professionals for a thorough carpet cleaning.

Portable Cleaning Tools
For smaller areas, carpet cleaning experts use portable equipment, which are relatively large machines but is easy to carry. These machines are available in various types depending on the purposes of their uses. The portable equipment is designed for various methods of carpet cleaning based on the kind of carpet and the customer’s preference like carpet shampooing, bonnet cleaning, encapsulation, hot water extraction or dry carpet cleaning. Professional companies carry most of these portable tools with them to perform cleaning, adopting various approaches with the machines for the different methods.

Some other portable types of equipment that professional services use are as follows:

Vacuum Cleaner: A vacuum cleaner is an essential carpet cleaning tool to tidy up the carpets and complete the cleaning procedure.

Defoamer: Foam can reduce the effectiveness of the cleaning process. Hence carpet cleaners use defoamer to remove the foam and speed up the drying process. These defoamers are a mixture of silicone or oils that are effective in removing the foam.

Air Scrubber: This device works as an air filtration system and is used during dry cleaning to get rid of airborne particulates, fungi, and foul odours from the carpet. The scrubber is used after a deep cleaning job to increase the air quality in the room.

Carpet Cleaning Wand: This is the primary tool in the cleaning process. The wand is used to spray the cleaning solution as water jets, which is then sucked back through the vacuum slot in the equipment. While rotary cleaners work best for shaggy carpets, wool carpets are best cleaned with wands to prevent any kind of damage to the carpet fibres. It is not possible to use a pro extractor without one.

Crevice Tools:These are special tools to clean crevices like those between the stairs, areas that are difficult to reach and upholstery cleaning.

Protective Tools: To protect furniture and other items from suffering any kind of damage while cleaning, professionals use these protective accessories like furniture protectors, caution signs, straps, corner guards, and chemical racks.

Ventilation Assister: On completion of wet cleaning methods, service providers may blow fans to expedite the drying of the carpet.

Truck-Mounted Cleaning Equipment
These are heavy-duty cleaners suitable for cleaning larger spaces. However, it must not be inferred that truck-mounted cleaners are only used for larger commercial workspaces. There are many homes that opt for them due to certain advantages like these powerful cleaners do not mess the area cleaned since the machines draw water out of the building as the cleaning process continues instead of draining them into the toilet or sink.

These are some of the vital equipment necessary for deep cleaning of the carpet. It needs mentioning that the use of tools depends on the nature of the carpet and the type of cleaning service chosen. Before hiring the services of professional cleaners, it makes sense to find out the kind of carpet cleaning your want and if the service provider has the right tools and equipment to perform the job successfully.

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5 Ways All Online Businesses Can Benefit From Local Marketing

Even if you have an international business, there are many ways that you can benefit from locally based marketing. Local marketing can also be a key to catapulting you to global markets if you know what you’re doing and why you’re doing it.

1. Vastly Improves Your Search Engine Rankings

Location-based marketing helps you get a higher search ranking because whenever anyone searches for you in that location, you’ll show up in some of the first pages of search. Even if people don’t type their location, the local businesses show up first for each search. This gives you a fantastic opportunity to attract your audience using local marketing.

2. It’s Inexpensive and Has a High ROI

Many aspects of local marketing are free. For example, putting up content that has location-based keywords, adding information to various platforms that include the right keywords for your location will improve your search results without spending a dime. Adding location-based information to advertisements will generate even more return.

3. Engage with Customers More

When you are more focused on the customer’s location, you can take advantage of some of the automatic trust you get by being focused on a location in your SEO and advertisements. You can use your actual location to get started, even if you want your business to be an international or national business. However, you don’t have to. You can focus on anyone’s location if you know you have an audience there.

4. Attract More Customers

Locally based marketing can help you attract new customers by placing the focus on one location at a time (you can do this simultaneously though) through your advertising and marketing methods. For example, if you know that you have a lot of clients in a region of Georgia in the USA focus your advertising and marketing there.

5. Become a Locally Renowned Expert

One fun and effective way to use local marketing to your benefit is to become a local expert. Start with your location or a major city near your location. Send out press releases, get interviews on local news stations, and submit articles in local publications. Then market each event that you do so that you soon become known as a local expert.

Local marketing can benefit any type of online business. It doesn’t matter if your business is only local or not. Of course, if your business is local, you’re going to benefit from local marketing even more. Ensuring that your business shows up in local search will attract more customers, ensure that you become more attractive yourself, and will enable you to become a local expert.

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Detailed Insight of Online Trading

Introduction:

Online trading has become very popular nowadays. Millions of people worldwide are engaged in this form of trading. It usually meant trading off stocks. It has become as common as doing shopping. There are three things that one needs to start doing this trading:

A device (mobile or computer)
A stable internet connection
A banking application
Enough funds and balance in a bank’s account

If someone has sound knowledge about the stock market and related formation, they can make amazing profits from it.

The functions of a broker:

An important part of online trading is a broker. He is someone who buys and sells things (assets) on behalf of others. Due to the advancement of technology, online brokerage has come into the picture. Online brokers are similar to normal brokers. They too buy and sell assets and do transactions between a buyer and a seller, but just on the internet.

A broker is an intermediary between the two individuals (buyers and sellers). A brokerage can be broadly classified into three types: Online brokerage, discount brokerage, and full-service brokerage. A discount brokerage usually helps to buy and sell assets but at a reduced commissioned rate. The third type is the full-service brokerage provides detailed information and assistance regarding online trading and the stock market, and everything else related to it. A broker has various functions to perform. Following is the list of functions of a broker explained in detail.

The primary function of a broker is to do something for an individual on his or her behalf on the financial side. It mostly includes buying and selling assets and looking after other transactions. There are other functions too, like providing information regarding trading.

Advantages of an online trading platform:

There are various advantages of this trading. It is usually simple and does not cost a lot of money. One has complete control over what they want to do on the platform. It is quick and convenient. Chances of errors are pretty less when it comes to online trading and using online trade apps. The user has the option to keep a check on the investment at all times. One of the most significant advantages of trading on online platforms is that users can get notifications regarding prices and other information via emails or messages. There are lots of trustworthy online trading platforms. Some of the popular ones are eToro, Upstox Pro, Zerodha KITE, Fidelity, and many more.

Some safety measures while doing trading:

One must not make a transaction using a public device or sitting in a cybercafé. One should log out every time after the job is done. Personal computers and mobile phones need to be secured from viruses by anti-virus software. Online trading can be very convenient, quick, and lucrative only if done properly, keeping in mind all the safety measures and being very careful during the transactions. Otherwise, one might end up losing a lot of money or funds in it.

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