3 hours ago By:
Bitcoin has been around for a long time now, it has grown staggeringly since its launch and reached its all-time high price at the end of last year. Since then, the price of Bitcoin has dropped dramatically. This has got many investors and traders questioning whether it’s the right time to buy Bitcoin . Read on to learn about the features of Bitcoin as a token and market factors that influence the coin’s price. 2018 – a Rocky Year for Bitcoin? The end of 2017 saw Bitcoin surge and spike at an all-time high before plummeting greatly. There are stories of a single Bitcoin being valued at $20,000 but the general consensus is that mid-December saw Bitcoin peak at $17,900. Then the year turned sour and Bitcoin crashed spectacularly into 2018. Currently, the token is valued at under $7,000. What caused this drastic rise and fall? Is Bitcoin to blame? The cryptocurrency market as a whole grew rapidly towards the end of 2017. Litecoin and XRP also had notable highs and crashes around this time. XRP, compared to Bitcoin, is still struggling to stabilize in value. The increased publicity in mainstream media pushed the coin into the realms of investors that would previously have not considered it. This meant there was a wave of new investors and Bitcoin became the most sought-after asset. Considering this rapidly rising demand within the Bitcoin community, it is not difficult to see how the inflated pricing occurred . Then, of course, people began to cash in heavily selling Bitcoin as fast as they could to make healthy returns on investment. It worked, some became millionaires. Others lost out greatly. Eventually, Bitcoin’s value dropped considerably and the dreams of it reaching dizzying heights again were crushed. This has left new investors reluctant to invest and seasoned investors looking elsewhere on the crypto market for coins that could show the growth. Bitcoin has carried itself through 2018 leaving many with the bitterness of frustrated hopes. Will Bitcoin Ever Get to That High Value Again? Given the circumstances within the media and the Bitcoin community that enable Bitcoin to grow so rapidly in such a short period of time, it is unlikely that it will occur again anytime soon. The mainstream media has now switched from a very positive cryptocurrency stance to a more jaded style of journalism. For that reason, new investors aren’t getting much excited about crypto prospects. The crypto market has lost billions over the last year. During a 5-day period in August, the entire market lost its highest amount, $43 billion to be exact. However, just because it isn’t likely to grow to such astronomical levels in the near future, it doesn’t mean the currency won’t grow and give investors and traders healthy profits. That is why the question is being asked, whether or not now is the time to buy? Will Bitcoin Get Cheaper? When considering whether or not now is the opportune time to buy Bitcoin, you have to consider whether or not Bitcoin will drop further in value. There are many crypto market factors that could result in the price falling further, and many that could do completely the opposite. We will look at 3 factors that currently could have a big impact on the Bitcoin price. If XRP is Resurgent Currently, XRP is in a nosedive with not much sign of it breaking out. But if it does break out and gain a value, this could be bad news for Bitcoin. It is estimated that XRP only needs to have a market value of slightly over $6 per token to overtake Bitcoin. What is Happening with Bitcoin Cash Another big headache for Bitcoin is Bitcoin Cash. With users of Bitcoin being drawn away to the more secure and cheaper alternative, the value of Bitcoin does suffer at the hands of its younger upgraded brother. But Bitcoin Cash has a big bump in the road ahead with a potential 3-way fork on its blockchain. With so much uncertainty about Bitcoin Cash, you may just see users switch back to Bitcoin because it provides a bit more stability over the next few months. If that happens, the value of Bitcoin could jump impressively. Regulation Might Help Bitcoin Individuals within the Bitcoin community have fallen foul of US regulators, but in general, Bitcoin seems like a safe bet in the regulatory sphere. With anonymous tokens drawing much of the negative attention, Bitcoin may benefit from that and entice users over to its side. As you can see, there are too many variables to give a definitive answer about whether or not now is the right time to invest in Bitcoin. It is important to decide if it is right for you based on your knowledge and your attitude to risk. Only then you can make a choice that you’re comfortable with.

3 hours ago By:
Watch that we wear every day on our wrist is one of the classic accessories. No matter what the year is, it never goes out of the fashion. Today, there are different brands that offer people with different straps which are of different colors. Moreover, no matter what attire you carry it will only add to the beauty of it, by adding its charm to the overall dress up. The renowned names such as brand selling Panerai bands do whatever it takes to provide people with something of value, with making their watch-products stand out from the rest in the same category. Have you ever pondered, that it is a necessity for corporate employees to wear a watch, and without it, their entire look is almost incomplete? If yes, then there needs no more explanation about the role a watch plays in our lives. For many, it may be an accessory or a tool to check the time and for few, it can be both. No matter what the basic purpose or motivation is, it is our most valuable or prized possession we can ever lay our hands on. Today people opt for and invest in different and renowned brands such as Rolex rubber straps which further indicate their class, style as well love for luxury watches. But with this, comes the hidden responsibility to take care of the watch and invest a lot of time in its maintenance as well. And let us remind you, the maintenance doesn’t come easy on the people’s pockets. The expensive watches require hefty bucks to look after, maintain it or even repair the same. Moreover, the daily wear and tear may cause these watches to become worn out and look quite old, even though you may have bought them in recent times. Krono Straps has analyzed this problem and came as a revolution in this realm. Why? The firm is founded by a sports enthusiast, who has a love for watches and thus created a brand which was known to sell the best quality watches straps such as Rolex straps, Panerai straps and many more. They are known to manufacture and deliver the finest rubber and leather straps for different watches. While doing so, they merge the sport-look feel with the luxury, thus making the watch look more of unique as well as sophisticated. Moreover, these watch straps are sold at the best possible prices. For more information, visit Kronostraps.com Original Reference: https://goo.gl/7EUSP4

5 hours ago By:
L&T Emerging Businesses Fund is an equity scheme that invests in the equity and equity related instruments of small cap companies. Small cap companies are the 251st and more companies in terms of full market capitalization. Launched on May 13th, 2014 by L&T Mutual Fund, this scheme is an open-ended scheme. Is the Short-Term Investment Feasible? Since this scheme is an equity scheme which predominantly invests in the stocks of small cap companies, the risk involved is really high as the company may or may not perform well. Investment in them is usually recommended for long-term as such companies take time to grow but once they do, the returns generated are really handsome, thus being the favorite of aggressive investors. Here are the points that further explains why it is beneficial to invest in them for a long-term that have been shortlisted by the experts at MySIPonline. Fund Managers’ Strategies - The fund managers of this scheme are Mr. S.N. Lahiri and Mr. Karan Desai who are focused towards investing the assets under management majorly in the small cap stocks of emerging companies. These companies are the one that are likely to transform into the market leaders of tomorrow, thus creating an opportunity for layman to become a part and get benefited from something big. According to the experts the long-term investment is suggested as it takes time for a company to transform facing the various market fluctuations. Portfolio Check- The assets under management as on September 30th, 2018 was Rs. 5045 crores which is further invested majorly in the small cap equities followed by the mid cap equities. Investment in them is beneficial only when it is made for long-term as such investment seek time and patience from the investor. Performance Analysis- This scheme has generated negative monthly returns initially in one, three, and six months in the form of -9.28, -6.54, and -13.92 as on October 15th, 2018. Talking about the yearly returns, it has again generated negative one year returns of -5.75. The three year returns yielded by this scheme is 17.42% which is huge leap in comparison to the return rate provided earlier. This indicates and further proves that it is a far better decision to invest in this scheme for long-term rather than short term and lose ones money. In addition, the three year return rate is much better than its benchmark NIFTY Smallcap 250 TRI and category. Risk Analysis- It is a known fact that short term investments are affected directly by the market situation while the investments made for long-term have the benefit of balanced risk over time. Below table further shows that this scheme is highly prone to fluctuations as its standard deviation is 19.77. It can also be seen that the returns that it generates with the risk taken are good as the its Sharpe ratio is 0.62 which is also better than the benchmark and category’s ratio. Conclusion Hope, you have understood by now why investment in L&T Emerging Businesses Fund Growth is better when done for long-term. Hence, if you are willing to add this scheme to your portfolio, make sure that you invest in it for a period of long-term. Investing in it via SIP will increase the scope of enhanced returns as a result of compounded benefit. You may invest in this fund via MySIPonline and in case you have any question related to regular funds, you can post at https://goo.gl/WofRJm

7 hours ago By:
You may be the parent of someone hoping to go to college or you are off to college yourself. Bad credit scores can affect your ability to get a school loan. Like any other kind of loan, you are expected to pay back the money you borrow in full. Having bad credit makes you a higher risk than those with good credit history. Therefore, you are less likely to be approved for a student loan – no matter the reasons! School financing is black and white. You either qualify, otherwise you do not. Most school loans are undertaken through the government. They are fairly standard procedures throughout the company. This keeps the system fair for everyone hoping to go to college and beyond. However, this does mean that cannot try a private loan company if you are denied a loan. There are various loans that you can apply for without having to undertake a credit check. But they do not allow you to pay the full amount that you will need for college fees. These loans often come with borrowing limits for both the yearly and total amounts. So, you will still be able to fund at least a partial amount of your studies, should you choose to take this route. Dangerous credit doesn’t mean higher interest rates. It means that you’re not attending to get approved. Entering a loan with a guarantor to the pay the fees if you fall behind on your payments is another option. Again, using a guarantor is a good route if you are certain you will be able to pay the loan back in full. As a lender, you run the risk of putting undue strain on the relationship with whoever agrees to be your guarantor. Unfortunately, student loans are a place in your life where your bad credit can have an impact on other people you care about. If you are the parent of a child going to college, your student will often rely on you to support them. This could be with a loan or signing on as their guarantor. In this case, making good credit history becomes even more important. About the Author: My name is Melissa Danser a Financial Adviser at Zinu Credit Repair. It is a credit report repair company in USA. Helps you to fix bad credit. And offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Please contact me. I am more than happy to serve you.