#where can i get the best gold investment advice

[actualbird]

pardon me! I wanted to try the game tears of thermos, but I’m a little nervous since I don’t play these type of games. Do you have any advice on how to best enjoy myself and invest in its world/characters?

hi anon!!! im so glad you wanna try out tot!!! i do have some tips, but before i go there i must inform you that autocorrect mustve done something to your message because you said tears of thermos and i cldnt rest until i edited a meme of that

sjfhavkkHJVKJHJKSD OKAY ANYWAY, TIPS!!!!

im particularly interested in how you worded this ask!! ive had a lot of people ask me tips on how to start tot (and the relevant ones, i'll link in this ask too) but never on a narrative investment/immersion angle. so my tips for this will be a bit different

but before that, here are my past tips from my tot tips tag

general tips for a newbie (gameplay tips and story tips)

how to "predict" upcoming events

tot stories in chronological order (only updated til july 2022)

now for your question i guess my biggest tip would really just be to treat tears of themis like a visual novel that just so happens to update with more stories.

idk how much of a newbie you are to this genre, but when i got into this game i had NEVER played any other otome before in my life. so it was all new to me!! and i basically treated it like an updating visual novel, this is My Method, and that got me quite invested (as is obvious from my entire blog). so when i say "treat it like a visual novel" i mean:

im personally not particularly a card completionist or a gacha enthusiast. which, hell yeah, this game wont bankrupt me LOL. but also, since cards are the main way where new nxx boy stories are released through, for any card i dont have, i just watch it on youtube. because basically every card, event plot, minigame, etc gets uploaded by someone a little bit after its release. so if youre bummed you missed an event card but you dont really Want the card, you just want its story, just search it on youtube!! search [card name/event name] + [whichever language dub you prefer] + tears of themis and voila! new story for you to read!!!

if you want plot = read Main Story. this is where all the heavy main plot happens and it is SO GRIPPING AND RIVETING.

if you want character development and relationship development between mc and each boy = read Personal Story Bloom Chapter, and then the respective nxx boy's Anniversary 1 card, Personal Story Sweet Chapter 1 and 2, and then the respective nxx boy's Anniversary 2 card. the personal story routes (aka the routes where mc eventually ends up with the boy romantically) are where a BULK of characterization and character development happens, imo

if you want romance and oneshot dates = explore the available cards!!! the tot wiki has an archive of all the available cards per boy on each of the characters' main pages. for example, here's luke's page. scroll down to the cards section and Behold. Luke Stories As Far As The Eye Can See

these pages dont have the story transcribed in them, but theyre great to use as a directory or a map of cards. so if any of the cards catch your eye, then take urself to youtube to find the card and voila (again)! new story for u to experience!

(note: SSRs always have a full 6 act story. SRs either have a 6 act story that is unvoiced, OR 2 voice messages. MRs always have 2 voice messages. R cards have no story and no voice messages)

if you want nxx team dynamics = read and/or play the events!!!! this is my favorite thing, the tot events are a treasure trove of fun cases and awesome team dynamics. in the game itself, some of the big events are available as DLC for anybody to play themselves at any time. to get there, X-NOTE Story -> lower and rightmost button Event -> upper and rightmost button Past.

if theres anything i would reccommend the MOST, itd be to download and pllay the event Mysteries of the Lost Gold. it's so good. it's my favorite event story. trust me on this

i hope these tips can help!!! happy playing :DDD

[mushi-miko-unya-no-happypy]

I posted 6,791 times in 2022

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Longest Tag: 136 characters

#‘just invest in vit’ fuck you coward if you aren’t playing soc as a glass cannon you’re less then garbage and your opinion means nothing

My Top Posts in 2022:

#5

21 notes - Posted November 21, 2022

#4

Shoutout to @sillynightmarearbiter for the idea for this

So you’ve picked (back possibly) up Azur Lane, I get it, pngs are cute, it’s a generous gacha and the gameplay is refreshing for the usual turnbased gachas, it’s a home run in every way shape and form- You’re in deep (or at least you wanna try and be) but there’s one small issue, everyone is telling you BiS (best in slot) gear that takes OpSi or Research to get, research takes months and you need BiS gear to farm OpSi in any way that doesn’t take decades so what gives? Must you slog and suffer in the mines? Oomfie im here to tell you that 90% of people in this game who give decent advice have also been playing this game forever, the low level scene is alien to them- but fear not! Your beloved oomfie Smugg will pass you the deets on how to gear up your pngs like a pro without having to spend a decade looking up cheap strats, gimme a couple paragraphs of your time and you’ll be c6ing and meta 15ing in no time at all

Let’s start with a bit of a preface, this will take grinding- a lot of grinding, 10s of thousands of oil of grinding, the road to heaven is paved with violence but- rejoice, unlike old AL you no longer have to do it yourself! If you’re doing something that you can leave your phone on and press a button every once in a while by all means do it! I grind during viddy gaems, while I’m cleaning, anytime I’m not actively using my phone (which isn’t all that often ngl but) I’m always on the grind- you don’t need to go crazy and stupid like me but you get the idea. Enough cock rating, time for a taste test

Chapter one- baldi’s basics

I’m sure you’ve noticed certain ships share certain slots, every ship has Auxiliaries (shortened to auxs), Most ships have Main guns (shortened to mg), most Vanguard (vg) have torpedos (torps), and a whoooole lot have Anti Air guns (AA), Carriers (and light carriers) have Dive Bomber (DB), Torp Bombers (TB) and Fighters (don’t shorten this one idk why), a few of these share a BiS (remember best in slot, this one will be said a lot) so we’re gonna go over shared first

Torpedos :) -

Torps are classified in two different ways, either you’re willing to manual (control your funny little kansen) or you’re not (auto)- I will tell you now, top level play of this game is auto mostly, with a bit of manual for the hardest stuff you can find, don’t get caught up on the silly stuff, both are challenging in their own right if you know what you’re doing- For auto torps you’re going to want mags (magnetic), and I’m sure you’ve all heard the name Quintmags

the crème de la crem, but tragically they’re locked behind gear lab, which takes OpSi, which takes good gear. I’m sure I know what you’re all thinking “oomfie if quintmags are the best don’t we just rarity down, the gold mags are easy to get” I like where your going with this but hold your horses, rainbow quintmags have much better tracking then their gold cousins, what you’re gonna want are gold quadmags

See the full post

31 notes - Posted March 23, 2022

#3

Lately I’ve been absolutely OBSESSED with this image of Essex as sundowner (Sexdowner)

36 notes - Posted August 10, 2022

#2

59 notes - Posted July 25, 2022

My #1 post of 2022

Oomfie do you have the. The "cum about it" Formidable gif?

Here you go king use it wisely

79 notes - Posted December 16, 2022

Get your Tumblr 2022 Year in Review →

[pareshyelekar432]

GoldCo Review [Updated 2024]: Is It A Big Scam?

GoldCo Review [Updated 2024]: Is It A Big Scam?

Hello guys and girls are you looking for the best GoldCo Review Then You Are at the right place. In this GoldCo Review I will tell you what GoldCo is? How does GoldCo work? What are the pros and cons of GoldCo? FAQs And What Is My Final Opinion?

So let’s start the GoldCo Review,

GoldCo Review: What Is GoldCo?

Goldco is a precious metals IRA firm based in Woodland Hills, California. The company was founded in 2006 by Trevor Gerszt, a prominent American entrepreneur and businessman.

The firm helps investors add one or multiple valuable assets to new or existing Self-Directed IRA accounts while complying with IRS rules. Clients can convert their existing 401K or other qualified retirement accounts to a Precious Metals IRA in compliance with IRS regulations and quality standards.

Like most Gold IRA companies, GoldCo works with self-directed IRA custodians. However, they are self-directed IRA Services Inc. And equities prefer institutional (custodial and depository services).

Both these protectors are most preferred among dealers and buyers. But you still get the chance to choose a custodian or storage facilities outside of Goldco's recommendations and tips, as long as they meet IRS guidelines.

The company can deliver the metals directly to your home. But if they are purchased inside an SDIRA account, the metals will be held with an IRA-approved custodian. Americans cannot physically stop their purchases.

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Learn about simple process and get answers to common questions about gold IRAs.

Get Zero Gold IRA Fees for 10 Years

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GoldCo Review: Reputation of Goldco

Goldco has established itself as one of the best rated gold IRA companies in the industry. They are accredited by various verified independent market watchdogs such as Consumer Affairs, TrustPilot and Trust Link. If you check out Goldco's record on these gold review sites, you'll see that the company has stellar ratings for its IRAs and precious metals, especially gold and silver.

In 2015, Inc. 500 – An American business magazine ranked GoldCo as the number one gold IRA provider in the country. Former presidential candidate Ron Paul also endorsed the firm as a way to diversify retirement investments through gold, silver and other precious metals in an IRA. He has also won various professional awards and received notable designations.

Being in the gold business for over a decade, the company would have received many negative consumer reviews and complaints if it was involved in unethical business practices. In fact, if everything they did wasn't profitable for investors they wouldn't have survived this far. They have always maintained an open door policy as a way for customers to express their concerns and questions.

Some of the negative reviews are probably from people who don't understand how the precious metals market works. They have probably made a mistake by investing in a property without seeking professional advice and later wrote a complaint or bad reviews.

GoldCo Review: What Makes GoldCo Stand Out

When looking for the right gold IRA company, it is important to choose one that you will feel comfortable trusting with your future. Here are three reasons why GoldCo stands out from the rest.

1) Education comes first

Deciding where to invest your savings can be difficult, especially when you don't have all the information you need. GoldCo understands this and makes every effort to educate their customers before making a purchase.

They want to make sure you're buying for the right reasons and take the time to assess your goals to help decide if a gold IRA is best for you rather than pressuring you into a sale. Is good.

You'll be able to schedule a free one-on-one web conference led by Devlin Steele, an economist who went to Harvard. This session will teach you everything there is to know about gold and the market so you can make the best choice. There's no pressure to open an account when you speak to the team, and if you're not ready yet, that's okay! You can still get their free guidance on gold IRAs.

2) Interactive collaboration As an GoldCo customer, you receive support from their team of gold veterans. You will have a dedicated agent who will act as your main point of contact and connect you with other experts for additional support:

GoldCo is not a company that will abandon you after making a purchase. Instead, they want to be your long-term friend throughout your journey.

3) 100% positive reviews

GoldCo is a gold IRA company that gets only positive reviews when you look online. Ashram, GoldCo has been rated 4.95 out of 5 stars by over 790 customers—without fail. In fact, it's the Gold Eye Ra that star quarterback Joe Montana personally uses himself – and he's not the only one who loves it! Hundreds of glowing 5-star reviews follow.

Overall, customers say they feel valued by the GoldCo team, which never pressures them to buy. Instead, representatives step in to answer questions and guide customers through the decision-making process.

Clients also report enjoying the one-on-one webinars, which are designed to help people understand whether a precious metals IRA is right for them. Below are some representative reviews:

“GoldCo is extremely helpful as you navigate the metals IRA industry. I appreciate his patience with all my questions and concerns. Very customer oriented, don't pressure you to move faster than you want. Always remained approachable as I went through the process, yet very patient with questions. Easy to work with and deliver on time.”

“I really learned a lot from our interactions with GoldCo. He really explained to us the economics of gold and silver and how the surrounding world affects pricing, etc. Very thorough, informative and it was not a high pressure sales situation at all.

“GoldCo delivered a solid

Diversify your retirement>>>

Learn about simple process and get answers to common questions about gold IRAs.

Get Zero Gold IRA Fees for 10 Years

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>>>Get Your FREE Gold IRA Kit Here<<<  Click On This Link To Learn More.

GoldCo Review: Benefits Provided by GoldCo

GoldCo has everything from assistance in ordering precious metals, general economic knowledge and how to avoid the lies and gimmicks common in this industry, to software resources, best-in-class pricing, to help you get the most from your trading. There is a wealth of equipment. free delivery.

GoldCo's online one-on-one web conferences and free guides are highly regarded as beneficial information sources for people considering purchasing precious metals. Industry agents can be reached quickly through online chat or email.

GoldCo goes above and beyond for its customers by working with various mints and sources to bring pure coins to their customers at competitive prices. Free shipping and transit insurance are two ways GoldCo helps customers.

Although GoldCo can't promise buybacks, it claims it has never ruled out a buyback, which is good news for individuals who intend to sell their assets in the future.

GoldCo Review: Is a Goldco Precious Metals IRA Right For You?

If you want to diversify your retirement portfolio and steadily grow your money over time, a Self-Directed Precious Metals IRA may be right for you. These accounts are more stable than the stock market, so you'll have more peace of mind knowing that your investments will last well into retirement.

Additionally, self-directed IRAs are easier to cash out than others, giving you more control and financial freedom. This way, when it comes time to retire, you can easily sell your metals for cash or decide to keep them.

Time and again, precious metals have been shown to retain their value over the years. Due to their high demand, they have withstood and even outstripped stock market downturns.

Of all the investment options, investing in precious metals has been considered one of the most tried and true options. If you're looking for a surefire way to grow your retirement savings, you should consider a Goldco account.

Diversify your retirement>>>

Learn about simple process and get answers to common questions about gold IRAs.

Get Zero Gold IRA Fees for 10 Years

Get The Link Below...

>>>Get Your FREE Gold IRA Kit Here<<<  Click On This Link To Learn More.

GoldCo Review: How Goldco Differs From Its Competitors

GoldCo has managed to differentiate itself in the competitive landscape of gold and precious metals dealers and IRA providers through several factors that demonstrate its unique place in the precious metals sector. Some aspects define how Goldco is different from other companies operating in this sector:

Reputation and Reliability: Goldco has built an impeccable position in its field. Earning top ratings from organizations such as the Better Business Bureau (BBB site), Business Consumer Alliance (BCA) and thousands of TrustLink reviews proves its dedication to transparency, service excellence and customer satisfaction.

Educational Resources: One of Goldco's hallmarks is its dedication to customer education on gold, silver and precious metals.

Offering educational content such as e-books, analyses, webinars, seminars, video guides and articles as free information sources that assist potential investors, the company ensures that IRA clients make well-informed investment decisions and Make decisions with precious metals investments that benefit long-term stability and a balanced retirement portfolio.

Exemplary Customer Service: Goldco has earned numerous positive reviews and testimonials that attest to its commitment to detail and exceptional customer service. Their knowledgeable representatives ensure that clients receive tailored guidance to meet their individual financial needs and wealth goals.

Comprehensive Service Offering: Goldco takes an innovative, holistic approach to gold, silver and other precious metals investments. They guide clients through every step of an IRA investment from start to finish, from converting an existing retirement account to a precious metals IRA to selecting appropriate metals like gold or silver and providing secure storage solutions for their precious metals. .

Commitment to Affordability: Goldco is committed to its goal of offering competitive prices on gold and silver that enable both novice and experienced investors to access the precious metals trading markets.

Additionally, frequently available promotions and deals highlight its dedication to affordability without compromising quality, giving American households the opportunity to purchase the best metal prices for IRA investments and their retirement planning.

Focus on Retirement Protection: Goldco stands apart from many of its competitors by focusing on helping its customer base protect their retirement savings funds with Precious Metals IRAs – providing customers with protection from inflation, economic downturns, currency…

Provides tangible assets such as gold and silver products. Volatility, and stock market fluctuations. Various types of gold investments aimed at improving future retirement life.

Ethical Business Practices: Goldco is dedicated to operating with integrity and honesty – this means no hidden fees (such as account administration fees or other account fees), honest transactions of gold, ethical mining partners, silver and precious metals and your Genuine care about customers' financial well-being.

Goldco's excellent track record and comprehensive set of services, from gold and silver dealing to IRA setup, makes them an irreplaceable partner in the otherwise oversaturated market for precious metals. Trust, education and customer service are the cornerstone of their operations – something they value highly at Goldco.

GoldCo Review: FAQs

What sets GoldCo apart from other gold IRA companies?

GoldCo Precious Metals builds long-term relationships with clients by providing a personal agent dedicated to each account, a streamlined process supported by five departments, and account lifetime service. The company provides assistance from the first inquiry until the customer takes the Gold IRA distribution.

GoldCo also publishes several educational resources to help clients understand how precious metals investing works. Their web conference, designed by the company's on-staff, Harvard-trained economist, is particularly unique. GoldCo is a member of the National Ethics Association.

How can I check my GoldCo gold IRA performance?

You can monitor your account online at any time, and receive quarterly statements showing investment performance.

How can I make a withdrawal from my GoldCo gold IRA?

You can take full or partial distributions from your gold IRA at any time. You can pick up the physical metals from the storage facility, or GoldCo can wire you the cash value on delivery.

To avoid paying taxes and penalties on early withdrawals, take required minimum distributions (RMDs) starting at age 70 1/2. There is an RMD calculator on GoldCo's website, but you should speak to a qualified tax professional regarding distributions.

Does GoldCo charge any gold IRA account management fees?

Since your IRA is self-directed, you are managing the account, and there are no investment management fees. However, a Gold IRA will have a minimum account setup fee and annual custody and storage fees associated with it.

How much can I earn by investing in an GoldCo gold IRA?

While gold and silver have historically performed well, this investment can go up or down in value just like any other. There is no guaranteed return on a Gold IRA. However, these investments can be part of a diversified portfolio as a hedge against inflation.

Conclusion

GoldCo is the industry leader in Precious Metals Gold IRAs, with thousands of ratings and hundreds of 5-star consumer reviews online.

The company assists consumers with a unique, one-on-one web conference with useful information about the Gold IRA process, the industry and warnings about potential Gold IRA company high pressure tactics.

GoldCo agents help customers provide friendly service from the time they open a gold IRA through retirement distributions.

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FAQs: Acrylic Mirror Sheets in Canada

What are the advantages of acrylic mirror sheets over traditional glass mirrors?

Acrylic mirror sheets offer several advantages over glass mirrors. They are significantly lighter, shatter-resistant, more durable in humid environments, and easier to customize.

Can I cut acrylic mirror sheets at home?

While acrylic is easier to cut than glass, it’s recommended to use specialized tools and techniques for a clean and precise cut. For best results, consider having professionals at Plastics Source Canada cut your acrylic mirror sheets to your desired specifications.

How do I clean acrylic mirror sheets?

Use a soft, microfiber cloth with a mild soap solution or a dedicated acrylic cleaner to clean your coloured acrylic mirror sheets. Avoid abrasive cleaning products or harsh chemicals, as they can scratch the surface.

Are acrylic mirror sheets safe for use in bathrooms?

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Contact Plastics Source Canada Today!

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The Essence of SEO Consultant

The Essence of SEO Consultants in the Digital World In today's quickly changing digital landscape, maintaining a powerful online presence is imperative. This is where SEO consultants come into the picture. They deliver expertise in ensuring that your website ranks favorably on search engines, thus enhancing your visibility. What Exactly Does an SEO Consultant Do? An SEO consultant is not just a person who knows how search engines work. They're experts in understanding the intricate algorithms that dictate search engine results. They evaluate your website's data, structure, and external links, then recommend strategies to improve its ranking. Why Can't I Just DIY My SEO? While numerous platforms and articles give advice on DIY SEO, it's a broad field with ongoing updates. SEO consultants devote their careers to staying updated on the latest trends and changes. Without their expertise, it's easy to skip vital aspects that could affect your site's ranking. Maximizing ROI with an SEO Consultant Hiring an SEO consultant might seem like an extra expense, but consider the potential return on investment (ROI). When your site ranks better, you get more organic traffic. More traffic means more potential customers, leading to increased revenue. How to Select the Right SEO Consultant Not all SEO consultants are made equal. It's essential to select one with a proven track record. Ask for references, check their previous work, and ensure they keep updated with the newest SEO trends. In summary, SEO consultants are crucial for businesses in the contemporary age. Their expertise confirms that your website keeps competitive in the ever-evolving world of search engines. By investing in an SEO consultant, you're essentially investing in the success of your company. So, before you dismiss the idea, consider the prolonged benefits they can bring to your web presence. https://theessenceofseoconsultantsint704.blogspot.com/2024/03/the-essence-of-seo-consultants-in.html https://sites.google.com/view/seoconsultantservicesgolwk8z/home/ Seo Consultant Gold Coast Seo Consultant Alberton Gold Coast Seo Consultant Arunderl Gold Coast Seo Consultant Ashmore Gold Coast Seo Consultant Austinville Gold Coast Seo Consultant Benowa Gold Coast Seo Consultant Biggera Waters Gold Coast https://smallbusinesspayrollnewsandersonsc.blogspot.com/ https://pugh22blog.blogspot.com/2024/03/small-business-payroll-news-anderson-sc.html https://bestsunnysidefleetvehiclewash851.blogspot.com/2024/03/best-sunnyside-fleet-vehicle-washing.html https://www.tumblr.com/hesperia-gym-rk62/743957573377622016 https://bestsunnysidefleetvehiclewash76.blogspot.com/

[iamsumati]

The Art of Influencing: Beyond and Beneath the Glitter

Oh, the internet, that glorious place where anyone with an opinion and an iPhone can become an "influencer." It's a marvel to witness the ever-increasing number of variants in this influential ecosystem. In fields like finance, health, and many new, unheard-of areas that seem to pop up every day, these self-proclaimed experts are spreading their gospel of wisdom. How fortunate we are!

These influencers, or as I like to call them, "saviors of the ignorant," have made it their divine mission to enlighten the masses. Armed with their obsessive thoughts and opinions on their chosen topics, they've become the messiahs we didn't know we needed. Who needs traditional education, peer-reviewed research, or actual experts when we have Joe from Instagram sharing his unique insight into quantum physics, right?

The best part is that these influencers, in their benevolence, have mastered the art of subtly undermining the very foundations of what people believe in. It's like they've read George Orwell's "1984" and thought, "Hey, Big Brother had it all wrong. Let's redefine reality on Instagram!"

You see, the idea that critical thinking and influence go hand in hand is utterly misleading. Why bother with nuanced analysis, fact-checking, or considering different perspectives when you can just listen to Jenny from YouTube passionately explain how the Earth is flat and NASA has been hiding it from us all these years?

But what's even more amusing is how these influencers manipulate our understanding of trust and credibility. They might not have a medical degree, but they sure can suggest home remedies for every ailment under the sun. And who cares about those boring financial advisors when you can invest your life savings in cryptocurrency based on Jake's enthusiastic Twitter rants?

In all seriousness, the rise of influencers in various fields is a double-edged sword. While some genuinely provide valuable information, many are guilty of perpetuating misinformation and preying on the gullible. So, remember, next time you're tempted to take financial advice from someone who uses "To the moon!" as their investment strategy, think twice. And perhaps, just perhaps, consult a professional who didn't get their knowledge from a meme.

It’s fascinating how influencers can craft a captivating narrative around their lives, transforming mundane activities into epic tales of inspiration. And what about the modern-day philosophers who bestow their profound wisdom upon us in 15-second TikToks? Forget Plato and Aristotle; we have those guys, who can provide deep insights into existentialism between dance breaks. Clearly, Socrates was just lacking in dance moves.

Let’s not forget the ever-popular wellness influencers who advocate for all-natural, organic living while promoting their line of overpriced “miracle” products. You see, it’s not about the science; it’s about the Instagram-worthy packaging and the promises of eternal youth. Who cares about evidence-based medicine when you can buy “moon dust” to sprinkle on your salads?

And the absolute cherry on top is the mysterious emergence of “experts” in brand-new areas that didn’t exist a year ago. It’s as if influencers have a magical ability to tap into the zeitgeist and instantly become authorities on topics that seasoned professionals have spent years studying. Move over, historians; here comes the one , the overnight expert in ancient Egyptian hieroglyphs.

In conclusion, while influencers can be entertaining and, in some cases, informative, it’s essential to approach their content with a healthy dose of skepticism. As they say, not everything that glitters on Instagram is gold. Before blindly following the digital pied pipers of our time, let’s take a step back, question the authenticity of their expertise, and reflect on the impact of this influencer-dominated culture on the integrity of knowledge and our society as a whole.

[goldcoastfishingcharters1]

Seo Consultant Alberton Gold

1. The Essence of SEO Consultants in the Current World In today's quickly progressing digital landscape, maintaining a strong online presence is imperative. This is where SEO consultants come into the picture. They deliver expertise in ensuring that your website ranks high on search engines, thus enhancing your visibility. 2. What Exactly Does an SEO Consultant Do? An SEO consultant is not just someone who knows how search engines work. They're experts in understanding the detailed algorithms that dictate search engine results. They assess your website's content, structure, and backlinks, then propose strategies to improve its ranking. 3. Why Can't I Just DIY My SEO? While many resources and articles give advice on DIY SEO, it's a broad field with persistent updates. SEO consultants dedicate their careers to staying updated on the latest trends and changes. Lacking their expertise, it's easy to miss vital aspects that could affect your site's ranking. 4. Enhancing ROI with an SEO Consultant Hiring an SEO consultant might seem like an added expense, but consider the possible return on investment (ROI). When your site ranks more favorably, you get more organic traffic. More traffic means more potential customers, leading to boosted revenue. 5. How to Choose the Right SEO Consultant Not all SEO consultants are made equal. It's essential to pick one with a established track record. Ask for reviews, check their previous work, and ensure they stay updated with the most recent SEO trends. In summary, SEO consultants are essential for businesses in the contemporary age. Their expertise ensures that your website keeps competitive in the rapidly shifting world of search engines. By investing in an SEO consultant, you're effectively investing in the prosperity of your company. So, before you dismiss the idea, consider the extended benefits they can bring to your digital presence. In concluding, the role of SEO consultants in today's business realm cannot be overlooked. They are the lynchpin that can transform a business's online trajectory. Investing in their expertise is essentially investing in your business's online ascendancy. Making the right choice now can place your brand for remarkable growth in the digital age. https://seoconsultantalbertongoldcoast310.blogspot.com/2023/08/seo-consultant-alberton-gold-coast.html Seo Consultant Services Seo Consultant Gold Coast Seo Consultant Alberton Gold Coast Seo Consultant Arundel Gold Coast Seo Consultant Ashmore Gold Coast Seo Consultant Aistomville Gold Coast Seo Consultant Benowa Gold Coast Seo Consultant Biggera Waters Gold Coast https://metropolitanlocalseosolutions702.blogspot.com/ https://metropolitanlocalseosolutions702.blogspot.com/2023/08/metropolitan-local-seo-solutions.html https://teethwhiteningnearme253.blogspot.com/2022/07/teeth-whitening-near-me.html https://bestadvertisingtostudents.blogspot.com/2022/07/best-advertising-to-students.html https://best-yoga-apple-valley-gd76scl.tumblr.com/post/691044866087616512/metal-fences-los-angeles

[smegrowth11]

Do You Seek Criticism Or Praise?

I recently saw an interview with Tesla Motors CEO and founder Elon Musk, in which he was asked for his best advice for entrepreneurs. One of Musk's comments was this: seek criticism.

At first glance this might seem like an odd approach to running your business. After all, isn't the point of business to be winning praise—from customers, media, or anyone else—not courting criticism? But this is perhaps the genius of the Musk approach. As Musk himself said 'a well thought out critique is [as] valuable as gold.'

The benefit of soaking up all this criticism is that it gives you a very clear idea on where to invest your efforts to make your products or services that much better. Enough critical feedback about the same issue, helps you to not only identify a common problem, but helps you to prioritise what improvements to focus on.

So yes, a good critique is gold, but finding that gold can often prove challenging. Ask a friend what they think of your product or service, and they'll likely point out everything that's great about it – they're your friend after all. Which is why you need to dig a little deeper. Pushing beyond the obvious is the only way to discover where you might be letting yourself—and therefore your sales—down.

If you want to avoid being showered with praise, especially overly nice, but practically unhelpful praise, then try to ask more specific, criticism seeking questions. Here are a few ideas for starters:

What would you change about [insert product or service name here] to make it better?

I had 5 complaints about my [insert product or service name here] this week – guess what they were about?

What's two reasons you'd never tell someone who seems like my kind of customer about [insert product or service name here?

What's the worst thing about [insert product or service name here?

Hopefully you're getting the idea. Talking to your friends, suppliers, staff, and of course customers about what you're doing badly will help to give you plenty of great ideas about how to make your products or services exceptional.

Ask yourself, are you receiving enough criticism, and if you are, what are you doing about it?

Click here for more information:-

[mygoalseekj]

To-Do and Not to Do List- Investment essentials in 2022 by GoalSeek Shared Service Pvt Ltd

Here are a few of those important things you should, -To Do and Not to Do’- Investment essentials in 2022.

A few months back, when the Covid 19 wave was on its decline stage, the market started responding positively. The investor, in whichever portfolio they owe; started investing back. The SIP markets were also affirmative. The markets were so bullish that not just the U.S market but Individual IPOs were showing strong gains. Over two months, the market jumped and kept on making new marks and high trends. This happy-go-lucky market went with the emotional sentiment on Ukraine and Russia clash making the market as volatile as it was during the pandemic time. Additionally, a few days’ back China called in for one more lockdown and the number of cases in the world at par has seen a new shot. Market from the inception of 2022 has been a roller coaster ride; where investors are confused as to what are investment options they should scout for in these tough times. So, here is a checklist made for you to make a quick-pick investment essential you should opt for while in these tough times.

Here are some sure-shot investing essentials of ‘2022- To do and Not to Do list’.

1. Crypto-Currencies

2. U.S Treasury Bonds

3. Gold and Precious metals

4. Real estate

The markets, in 2022 were bullish at times and were found to be lame as well. In cryptocurrencies, trends were nearly the same. The bulls in the market started to sell their position resulting in a huge dip in the price range. It is well-advised to be in taking a call when the market is at its low. Hold! If you are someone who is not looking for dating risk, stay away. In such a case, all you need to do is hop on to those government bonds which give you a steady source of income.

U.S Treasury Bonds

If there is any safe place on the earth to invest, it is the U.S Treasury bonds. The government of the United States has never, in history has failed to pay its investors. Since this is the most reliable source the returns are comparatively stable and less.

Gold and Precious metals

Not just the United States but the world keeps an eye on precious metals such as Gold, Silver, and so on. This is not just the basic way but is also loved by the queens of your life. This investment may not yield in the short run but shall be a sure-shot return giver in the long run

Real estate

In case you have adequate funds in your hand, ensure to park them in real estate. This is one such place that will not just yield you returns monthly but will be appreciated in monetary terms in long run. Plan for an apartment or a shop which according to your budget and start getting monthly returns in the name of rent. However, this also comes with some basic maintenance costs and taxes, but since the receivable is larger, these petty expenses will not be such a big stone in the way of your income.

Based on the above parameters you can plan your investment essentials. There are more than just national investments. Based on your capacity, tolerance to risk, and lust for profit, you can plan to invest not only in the national market but in international markets too. Well to being with you can park your fund in the best brands of SIP which will get you good returns, but not now. The market is low and so takes the maximum advantage of buying a lot in a smaller amount.  Apart from SIP, Recurring, NAV, Insurance, Deposit, and many other options one can plan for more than these national options. The best way to do so would be to opt for S&P 500 Index Funds, Nasdaq 100 Index funds, Value stock funds, Dividend stock funds, Series I Stock, and much more.  Investing is essential, and ‘Goalseek’ helps you to reach your investment goals.

The only way to reach your financial ‘Goal’ is by ‘Seek’-ing a piece good investing advice. Hook on to our expert advice that will get your financial route easier and faster. Happy Investing!

[maximuswolf]

Please help me understand coffee so my wife can stop drinking bad coffee

Please help me understand coffee so my wife can stop drinking bad coffee Dear coffee lovers and hot beverage enthusiasts, I come to you for advice in my hour of need.My wife likes to drink coffee, and while she doesn't need the caffeine so much, she really enjoys having a cup of coffee once or twice a day. The problem is, the only coffee we have at home is the cheap instant coffee type, and she says it's not very good but is simple and quick and she doesn't want to invest more time into making her coffee. Every time we go to a coffee shop, she will get a nice large cup of coffee and will look so happy with it, I want to bring that feeling to home.I would be very happy to learn how to make a great cup of coffee and do it for her every day but here is my problem, I physically cannot drink coffee, as caffeine can make me really sick. So I am incapable of tasting the coffee to know if it's good and then searching what type of coffee she likes best.I have spent the past couple of weeks doing some research here and there so I have a decent idea of what I am getting into, I just can't figure out where to start. My wife likes to drink long coffee, so I am not sure I should be looking too much into the small french or Italian espresso and the fancy espresso machine that makes them. For now, I am thinking more into a french press or moka pot to start and I understand it is better to grind the beans directly before brewing also.Knowing all this, my issue is I just don't understand what tool would give me the best versatility to start introducing my wife to better drinks than her Nespresso gold instant coffee (which according to my research and my nose, smells, and tastes just burnt).Thanks for your support on my quest :) Submitted December 19, 2022 at 05:11AM by LeFrenchCheese https://ift.tt/2bpQA0m via /r/Coffee

[lazylife3]

Good time to sell gold ?

When dealing with my customers who wish to sell gold to me they quite often say to me “well this gold jewellery box has been sitting in the cupboard around the house doing nothing and we are not going to wear it so may as well sell the gold for scrap and enjoy the proceeds now…..”

Well you do have options……….

Determining whether you actually want to sell?

First determine whether you really want to part with your gold as it will always be a good investment and may well come in handy in the future. If the answer is a likely yes then where to sell gold is important as you want the best price and service that you can get. Typically if you can get 80%-90% of the spot* price then you are doing well so shop around and compare prices but do be aware of rogue traders advertising gold prices that are ridiculously high.

* Watch out for our future blog on the “Spot price”!

Gemstones

If you have cherished and indeed valuable gemstones set in your item(s) then I suggest not to scrap as gold but to acquire a valuation appraisal from a local jeweller and once you know the approximate worth perhaps advertise via an on-line auction site but do remember to insert a reserve amount on the minimum you are prepared to accept for the item. You would be surprised hpw many people do forget! Failing that try selling direct to a high street jeweller but the price you receive will be lower but I suppose quicker in the short term.

Antique jewellery

Should you have antique jewellery then we do offer a service on this so please contact us as we can offer free advice, buy direct or even sell on your behalf if required.

Good time to sell

Now is a good time to sell as the gram price of gold is still relatively high although it has dropped recently and does fluctuate daily, this being linked with the news of the world economies. You can keep an eye on gold prices here where you can peruse a real time independent price graph at the bottom of the home page. Please also feel free to obtain a no obligation price quotation by visiting best price for gold home page or by contacting us direct for a verbal quote.

[hackandgrow]

Why Diversification is Important Especially During Recession?

Most people, not most people a lot of people are surprised that this advice that you should buy when we're having a recession because they don't have any cash. And yet, six months ago, you could get bank, you get bank money for 2.9 percent, right? So there's this cycle of sort of a group think that everybody rushes into a certain thing. I had a conversation about bitcoin about seven months ago and hey man, you got to get in. It's going to never going to go down. It's going to go up. And I'm like, you know, I've been part of bitcoin for nine years off and on and it went up and it went down, and it went up and it went down and there were four years there, where it didn't move. And even though I am very pro you know, crypto at the same time I felt like it was a rush and I felt like hmm, you know what? I'm not sure. 

I want to take this hundred thousand dollars that I could buy a couple of condos with when the recession hits or a million or whatever the number is and and do that. And I'm not saying it won't come back again. If you have patience, you know, I've had investments for eight or nine years in that space and I'm super patient but I sure can't cash out today. It's not one of those investments in the cash out and I think that's the point. So I guess my question to you is, if you're not sitting on cash, if you're in that situation, is now a time to go buy a house? Is now a time to buy stock? 

Is now a  time to borrow money against stock to or leverage against bitcoin, or you're like wait a second. Have you learned your lesson yet? How do you pull back and take advantage of this? How would you give someone advice that make 100,000 but they didn't have any cash? Really good idea. So you're saying somebody who makes a hundred thousand, they're upper middle class. Their families know well. They have a good job but they didn't save money, they  didn't. They went and maybe they bought a new car. Maybe they enjoyed the fruits of the stock market, maybe they kept gambling on the stock market. They got a hit, but they're not like Warren Buffett. They don't have a million dollars cash sitting there to buy cash real estate offers. What do you do? Yeah, yeah. Look, I think there's a few sound principles that you can follow. Principle number one is diversification and you've got to follow this because I talk about foundational thinking all the time. 

That's why I encourage people to start amazon businesses. Check us out. fbasellercourse.com. Book a time. Give you guys a free course if you want just reach out to me. You have to diversify, you have to have different streams of cash flow coming in at all times first off. Secondly, you should have a diversified portfolio, you should have some money in stocks, bonds, futures options, all that stuff, maybe not futures, but maybe an ETF that invests in futures. You could do that. But you should be diversified enough, where you're you can buy at the right times. So if you think you get a little bit of cash in you, buy a little bit of gold, you can buy gold. Bullion's best way to do it and that's an inflationary hedge golden. 

Okay that was fun. If you liked what you saw make sure to subscribe and like below. Make sure to leave us a comment and join the community.

[thesramagroup]

Why Should I Find an Experienced Property Advisor?

Finding a property is not easy. You have to do research and find the right place to live. It's important to choose a reliable property advisor who can help you with this task. Good gold coast property advisor will be able to give you advice on finding affordable houses in your price range and make sure that everything goes smoothly during the process of buying one of them.

Property advisors are experts in this field.

A property advisor is an expert in this field. They have knowledge of the real estate market, local laws and regulations, and what is happening in their area, and they know how to deal with it.

They have studied everything from trends in housing prices to land availability and taxes on properties, as well as any other relevant information that may affect your decision-making process when choosing where you want to buy or sell a house or apartment, for example.

You can find more properties with reasonable prices

If you're looking for a property, it is important to find one that has reasonable prices and deals. You can save money on the property and find a better deal than other houses. You can also get a better house than other people because you will know how to use their skills in finding properties with low prices or deals.

You will save time

When you're working with a real estate agent, they're going to be constantly travelling across town and county. They'll need to drive out of their way in order to show you a property that may not be convenient for them. 

If it's too far away from where they live, then they'll have trouble getting there on time or leaving at all! This can seriously disrupt their schedule and prevent them from doing other important things like seeing friends or family members who live nearby.

You shouldn't have this same problem when looking for properties on your own; after all, isn't finding the right place an important part of the whole process? Why should anyone else waste their valuable time doing so when they could simply let someone else do it while they sit back and relax?

An opportunity to get a better deal

When you're buying a property, it's important to have an experienced property advisor who knows how to negotiate with sellers.

You might not know that you can negotiate with your seller until you've found one. Good gold coast property advisor will be able to explain this process and give tips on how best to go about it.

Once your offer has been accepted by the seller, then all parties involved should meet up at an agreed-upon location where they can inspect the property in person and discuss any issues that need ironing out (for example: whether there are any defects). This meeting is called "closing." 

You can learn more about local real estate laws.

As a first-time buyer, the last thing you want to do is make a mistake by buying in the wrong location. You can learn more about local real estate laws and how they apply to your situation by talking with an experienced gold coast property advisor. These experts in local real estate laws will be able to help you understand what's legal and what's not, as well as how much it will cost for certain services or items that might be required for relocation.

Conclusion

If you're looking to buy your dream home, an experienced property advisor is the best way to go. They will help you find the right place at a good price in a matter of weeks, not months or years. If you have any questions about your new investment property, feel free to reach out and ask!

Source: Why Should I Find an Experienced Property Advisor?

[coquetteguide]

THINGS TO ADD TO YOUR WARDROBE FOR A COQUETTE STYLE

(basic post made a million times but oh well)

• crop tops, tube tops, cute tops in general. target your color theme whatever it may be, if it’s vintage maybe red white and blue. if it’s grunge maybe dark blue, black and maroon. invest in nipple covers if you need them and prefer them. sometimes i wear mine and sometimes i don’t.

- skirts (pleated, frilly, jean, mini, simple)

- socks/stockings/thigh highs. a pair of cute frilly socks, stockings or a pair of cute thigh highs is an accessories and can make lots of looks even more fashionable and cute.

- shorts & jeans. i love the vintage coquette or lolita and cut off blue jean shorts that fit good is one of my favorite things to wear in the summer. i always wear high waisted ripped skinny jeans, maybe some boyfriend jeans, mom jeans.

- hair accessories & haircare. one thing that i love about my style is my hair. i have natural curly hair and i suggest investing in some haircare products. if your hair is taken care of and getting the right treatment, it’ll be the best version of itself. i suggest investing in bows, ribbons, scrunchies and hair clips. color themed to your style.

- shoes & sandles. saddle shoes, doc martins, converse, vans, white strapped sandles, flip flops, flats. there’s a lot of different shoes you can add to the outfit. i have a pair of white sandles, grey hey dudes and a pair of plain white sneakers. i’m currently growing my shoe collection.

- skincare & makeup. for skincare i have a product from sheglam but rarely use it. i use dial soap just because it cleans my face really good. i only put on mascara, lip scrub & mask, eyebrow filler. i would invest in red lipstick, it’s literally just good to have considering it’s a known coquette look. i don’t wear a lot of makeup because i’m not too skilled to take the leap but invest in the makeup you feel would make your style better. skincare is always important.

- nails & nail polish. if you can’t get your nails done or you strictly prefer acrylics i will post some coquette nail inspo later. but invest in some nail care products. paint your nails the color that matches your theme. i’d probably do red or pink where as a grunge coquette may wear black, deep blue or red.

- coquette bags. they have a lot of cute bags that resemble that coquette aesthetic. some is heart shaped and some is designed to be unique. i have a simple white purse with a gold chain strap. it’s simple and not too big to where i can carry my essentials.

- perfumes, body lotions. now i don’t know any off the top of my head but i always wear light perfume. some perfumes and body sprays is too strong. i don’t know many blogs that promote the coquette aesthetic but @coquette-club shares perfumes sometimes.

- sunglasses. yes, heart-shaped glasses is definitely a a cute accessory. you can invest in other glasses as well, maybe some vintage looking ones like the round lenses.

- jewelry. i don’t wear jewelry much but there is things like pearl necklaces, heart shaped pockets, chokers, etc that look really good with the coquette aesthetic.

i hope this helped! if you need any advice or want to ask any questions i’m always open to answer. once again, if you are looking for coquette inspiration - following coquette blogs and looking through is literally a good way to find inspiration. my account was made to post outfit ideas, makeup and hair inspiration. another blog that is very active and helpful to the community is @coquette-club she posts wonderful inspo and also has a brat mag that i have found to be so helpful.

[skyborn-reads]

🎆 Message From The Universe

“...for when you hear thunder, it's only the Universe clearing Its throat to drop more tea on you.”

Pictures source

Sky 1 — Pathways

Cards drawn: Eight of Swords, Four of Pentacles

There are mainly three groups who choose this pile. Some of you want to escape the current rhythms of life. Some of you want to stay. Some of you don't know whether you should stay or leave. You stand right where you are but your eyes are darting here and there. I hope this reading helps all of you in your quest, whichever way you wish to go or remain.

To people who want to break free from the past rhythms of life — no longer will you be bound to stagnancy. The worst has passed and you have bore witness to its trials and tribulations. Now the Universe is asking you if you dare to make that one choice to free yourself from the burden. Be aware, as the crossroad is nigh.

To the ones who want to stay — there's something you're holding onto. You won't want to leave because you still feel there's gold to be mined where you are, metaphorically speaking. You still see the benefits of staying where you are, and you're right, but it would take a struggle to mine the gold, and you won't always get what you want. The Universe trusts you to make the best decision for yourself. So whether to charge towards the next stop or lay low in wait, the choice is up to you, always up to you.

To people whose eyes are darting around looking lost — ask yourself what you want and what your priority is. You have many options and it seems like every path bears fruit, but there is one path that is meant for you, and you're the best person to decide which one it is. Good luck, because you might meet challenges on your path that will strengthen you and help you become stronger and wiser than you are now.

To all of you — the next months will be an eye-opening experience for you. You'll see the true face of many people, see your situation from different viewpoints. You'll understand the rhythm of things and even be able to predict how it would eventually lead. You're safe and guided. You'll land where you want to land, but first as already mentioned there will be tests, and fortunately luck will be at your side 🍀

Your journey will be easier if you know what to hold onto and what to let go. You seem to want to hold onto more than you can but some of those things no longer serve you. Do you see their true value? Do you know what's good for you and what will ultimately cause you more sorrow? Release them now. It will be painful, but it will be worth it in the long run. There is an end to everything. By releasing them you will see joy and freedom as never felt. I wish you guys a lot of love and a lot of happiness 💚🍀💚

Sky 2 — Gifts

Cards drawn: Ace of Wands (reversed), Page of Wands

You lose something, you gain something. You've recently let go of something, but you'll be a lot grounded from your experiences and will have an inner knowing of what's good for you and what's not. Imagine waking up from a restful sleep to a cool relaxing morning. You'll feel recharged, there's nothing in this world that you cannot accomplish. You'll gain true inner strength, my dears, but not overnight. The next coming months of your life will be one that your future self will look back to and smile, for you'll transform a lot, you're the mountain in the woods — grounded, serene and wise.

Also, some new opportunities are coming your way 💚 For some of you you'll meet new people who bring you fortune, some of you will receive money, or a new investment. For some of you, your future partner will be stepping into your life in the coming months 😁💕

You'll also have a new goal. This goal will make you feel hopeful and giddy. There's a lot of love vibes here so the goal can be in the romance apartment. Some of you will be going on a date! You'll find your heart overflowing with love and the ecstacy of new love 💖 Congratulations to you!!

For others of you, your heart will be a desert no more and the warmth of self love will flow through you. By showing love to yourself, you're manifesting your future lover into your life. Take it step by step and don't rush. They will enter your life surely, and if you practise self love you will be on your best state to welcome them.

Sky 3 — Blocks

Cards drawn: Eight of Swords, The Star

This pile shares the swords card with the first pile, but unlike the first pile which is active in their quest, there's a very oppressed and stagnant energy here. I hope you guys are okay. Someone doesn't want to move forward, I feel this someone is you. You might fall victim to your limiting beliefs, believing that you are restricted, but your current situation will not improve if you don't actively make a move. I hear “make a different choice”. If you feel stuck in the same situations over and over again, it's time to make a different choice. Stop being passive. Choosing the same doors every time won't bring you to new destinations. I feel you already know that, but there's no action from your part that affirms that you want a change.

I'm sorry to say that nobody will be able to help you if you choose to remain where you are. You must first make a move. When you do, even if the road ahead might be rocky, you'll encounter people who will help you. For some of you you have kept something in your heart for a long time. You want to say it but you fear what would happen if you do. Your current situation is what happens when you don't. You're called to make a decision — which way will you choose?

You might have also recently left a toxic part of your life, be it environment or people. Your heart has tears flowing, but the Universe congratulates you on your decision to leave this situation. Soon flowers will blossom from your tears, and you'll see that they lead you to a happier place, one where you'll feel you finally belong, one where happiness resides deep within your soul ❤️ Pile 3, are you ready to welcome this change into your life? Lick your wounds for however long you need. When you're ready, the stars will shine bright for you, and you'll know where to go.

“Be it rain or blizzard, my heart stays with you.” — someone who loves you.

Sky 4 — Pillows

Cards drawn: Death, Ten of Cups

You feel tired, dears, worn out. What you've been through must be rough. Please take a rest before you continue on your path, and don't argue with me. You need the rest.

You've seen lots over the past few months of your lives, things that made you question loyalty of people who you once loved. You are starting to have doubts whether you've made the right choices all along. You have, you're just going through setbacks but the sun still rises at the darkest times. Tomorrow we'll rise and try again, shall we?

The Universe advises you to spend time in solitude to reassess your life. Don't take everything in one go, try to adopt a slow and peaceful eye to your inner thoughts. Immerse yourself in your hobbies, this time not to make money or stress yourself out, but to take the time to enjoy them as only hobbies that are meant to bring you joy. They will make you feel so loved, and you'll start to see that there's warmth to every melting candle, there are things to appreciate in every low point in life. The Universe will be gifting you a change of perspective, my dears. Because in order to grow one must first see that there is more to life than how it used to be. Soon, you'll grow wiser in mind.

But a change of perspective isn't all that the Universe will offer you. You'll soon receive an offer, an invitation if you will to make a choice. This choice will pave the way to your future family, a loved one who will adore you like the diamond you are, and most importantly, true emotional connection. For some of you this person is a soulmate. Please note that this is only the beginning towards meeting them. This path will have its own challenges, challenges on you, on your future spouse, and on the connection between you two. So take my advice and rest up first my loves, you'll need it for what's next 💖💤💖

[softprincesso]

✨ HOW TO BECOME A WEALTHY MIDDLE AGED MAN✨

PT.2: Overview to understanding different saving/retirement methods, investments, and forms of income

Pt. 2.2 Overview of Investments

Welcome lovelies to (what I hope will be) a helpful series on gaining wealth and becoming financially literate and independent!

Disclaimer: Check other posts. It's too long to keep typing out.

Now comes (what I believe) is the fun part of money. Making it grow.

Investments are defined as “an asset or item acquired with the goal of generating income or appreciation.” Essentially, anything you purchase with the belief that in time it will be worth more. This includes the entire stock market, cryptocurrencies, art, real estate, jewelry, vintage coins, designer bags, etc. Of course, some of these take more time and each comes with some amount of risk. These variables change according to your strategy as an investor.

✨THINGS TO KEEP IN MIND✨

Begin as a Beginner

Do not overwhelm yourself during your financial literacy journey by trying to learn everything, all at once, while also trying it all out. The thing that creates the most confusion when learning is believing the lie that you can multitask well. Yes, start with a brief overview of the systems and institutions (what we are currently doing in the series) but literally all you need to start is definitions and a gist so that you can comprehend how they connect later on. Learning an entire world that has never been taught to you is going to take time, and I’m talking years. And then, when you think you have something down your going to mess up or read an article about how the stock you saw yesterday for $6 is now $1000 and you’re going to be frustrated (this happens a lot). But, If you want to learn about the stock market, focus on the stock market. Retirement still scares you, focus on that until you master it and have a plan. And for Christ’s (or whatever deity/person/universe you believe in) if you do not have a steady stream of income do not put your last pennies trying to get into crypto (or any investing truly). This is something to start after you have income, a savings, a retirement, and have paid off at least most debts.

Recommended sources to learn more:

Netflix has a great series called “Explained” where (you guessed it) they explain things. While I recommend every episode because you can never learn too much, there are ones specifically dedicated to the stock market, cryptocurrencies, and billionaires each that helps to uncomplicate the history and purpose of each of these things.

✨Let’s get started✨

The Stock Market

“Stock markets are real and electronic exchanges that enable the buying and selling of securities. The most popular include the NYSE, Nasdaq MarketSite, and Tokyo Stock Exchange.” Let me, let you, in on a little secret-the stock market is essentially fantasy football (sorry, my American is showing) but with companies. When you buy a security, you are betting that (in the long run or short run, depending on your strategy) that a certain company will perform well and gain profits, which in turn will gain you money on what you bet. There are two categories of players in the market which include the assets (the football players) and the investors (the betting public). Of the assets you can categorize further by what position they play on the field…

Stocks

Most well-known, but the riskiest. The “star” player that everyone hypes up and takes all the credit. Stocks are fractional pieces of publicly traded companies, and by buying a stock you own a relative size of that company. They are either “paying you” through growth (when their stock price rises) or through dividends (when they send you a piece of their profits directly).

Mutual Funds

Less known but a safer bet than single stocks. Popular among those in middle age. “Mutual funds are baskets of stocks or bonds. They come in all different shapes and sizes, from covering broad stock market indexes to focusing on specific sectors.” When you buy a mutual fund, you are saying that you believe on average that pile of stocks/bonds are going to do well, instead of betting on a single player. Usually they are actively managed by people who are trying to “beat” the market for you. Statistically good for the short term, long term are less effective than ETFs.

Index Funds: a subset of mutual funds that are passively managed and track indexes like an ETF but trade like a mutual fund (once at the end of the day and without reliance of supply and demand)

ETFs

Exchange traded funds. The up-and-coming underdog that’s gaining popularity. These are passively managed baskets of stocks and bonds that track over a specific index like the S&P 500. They work like stocks, being traded throughout the day, relying on supply and demand, while giving a lot of the advantages that mutual funds do. They also come with their own set of disadvantages but are still a great way to diversify a portfolio inexpensively.

Bonds

The reliable bench players you know you can put in to save a game. Great safe bets that can generate a steady income. Bonds work like a loan for a regular person, except for a company. You can loan your money to a company which will pay you a principal plus a fixed interest back every specified period. There are different types which come with different advantages and strategies, so make sure to read the fine print.

Commodities

Tangible goods that go into manufacturing-Gold, oil, metals, corn, soybeans, etc. A good defensive team to have in the game for a hedge against inflation or economic troubles. They trade in a commodity exchange. You can still access them through most brokers.

Source to look into for deeper understanding and questions: https://www.investopedia.com/terms/i/investment.asp

Easy way to get started quickly:

1. Create a brokerage account: There are lots of accounts to choose from, but I would go for accounts that have zero fees and no minimum, this is starting to become the norm but once upon a time you had to give a minimum investment of $5000 to get started. I personally use Charles Schwab and Robinhood. I love all of the tools and accounts Schwab has and Robinhood is just easy to use.

2. Sign up: this may take a day or two to finalize, especially with banks but it shouldn’t be a big deal

3. Connect a card or account to transfer funds

4. Buy your first security: I would start off with simply looking up beginner investments on google. I recommend either an ETF, index fund, or choose a company that you have an interest in because you will be more likely to keep up on their news

5. Tip: think long term as a beginner. Sure, once you start learning and understanding you can change your strategy to gain more in a shorter time, but this comes with much more risk. Do not be an idiot and sell all of your stock when you see your investment plummet nor sell as soon as you see it go up a little. The best advice for a beginner: Buy a stock and leave it alone (for YEARS)

Property/Real Estate

There are many ways to invest in real estate-you can buy a property, you can invest in a property fund, you can become a landlord,or you can flip a property. Again, depending on the strategy, will change the risk and reward you have taken on. All of these options are usually on the more cash heavy side but can reap a lot of rewards if done right.

Source to look into:

https://www.nerdwallet.com/article/investing/5-ways-to-invest-in-real-estate

Easy way to get started quickly:

1. Buy a real estate ETF or fund, you can just look this up on google or through your brokerage

2. OR you could look into buying a property near you and renting it out if you have that much cash (Make sure to do your research, this can get pretty complicated)

Art

Also considered property but until recently it was incredibly hard to invest in art without significant cash and contacts available. Now, there are platforms like Masterworks where you can buy a fraction of a piece like a stock of Monet and you get the rise in appreciation. However, it still is for those with money already available, I believe you have to invest a minimum of $2500 to get started on MW.

Sources to look into: https://www.investopedia.com/articles/pf/08/fine-art.asp

Crypto

Cryptocurrencies are digital currencies that are not backed by real or tangible assets or goods, but on the trust and value of the people that use them, and supply and demand. They can be traded like stocks on an exchange and are tracked with a digital ledger on the blockchain. The first cryptocurrency was Bitcoin and the rest that have followed are categorized as altcoins (alternative coins).

The stage of cryptocurrencies we are in is likened to the early 90s with the internet. Not a lot people truly understand the blockchain (the vast ledger space which contains every transaction made securely in encrypted “blocks” that are then “chained” together so that if one block is compromised the whole chain shuts it down.) It is decentralized and written simultaneously on thousands of super computers. The beauty of it is that if one ledger on one computer is somehow hacked or wrong the rest of the computers storing the ledger interrupt and either fix it or shut it down. A way to understand it is blockchain is to the internet as bitcoin is to a website, but the internet runs off people trusting the system, blockchain runs off trusting no one.

The currencies that run on blockchain can have a multitude of purposes, but bitcoin was really just the starting solution to fix the problem of trust on the internet. People wanted a secure, anonymous, untraceable way to spend money online, like cash is in the real world. And while for the most part it is just that, it isn’t completely anonymous. Like in the real world if you buy something from Mcd*nalds with cash that transaction is still recorded in their system and through a receipt. Your crypto transactions are recorded in the blockchain, but most people don’t even know how to access the ledger so for now any ill*cit purchases you make are pretty safe.

I HIGHLY recommend looking into a cryptocurrency course or training just because there is so much that goes into it and lots of details that can help you. This investment is incredibly risky and volatile! I only would suggest investing an amount you are completely comfortable to lose ALL of.

Sources to learn more:

https://www.investopedia.com/cryptocurrency-4427699

Easy to get started quickly (Please dear lord do your research first):

1. Sign up on a crypto exchange like Coinbase or Binance, some brokers (like Robinhood) also allow you to trade crypto but it’s a very limited selection

2. Do lots of research!! (I’m going to say it until you get it, and I don’t think you get it yet)

3. Think of it like stocks, if you read up on the coin and its purpose, and think that it’s going to be useful soon or in the future, then invest

4. Tip: the crypto market moves MUCH faster than the stock market and is much more sensitive. In just these last few days (literally hours) bitcoin was trading at $40,000+, the following day, for whatever reason (people got scared, people wanted to sell to get profits, etc.) it will barely hold $33,000. So, invest wisely!

This is very brief list of the main investments. There is still a lot of depth each of these goes into and especially with things like crypto, information changes 24/7. I hope you have learned by now that you should be continually learning as well. Instead of spending your morning looking at your Instagram feed of bum friends, dusty men, and “models” spend it reading the paper and catching up on the market. Follow investors and billionaires like you follow celebrities and see how much smarter you become. At the end of the day winners focus on winning, losers focus on winners.

With love,

O