Road To Success

Thursday, 19 September 2019

How To Invest For Beginners With Little Money

In this article, we are going to talk about how to start investing for beginners with little money. Even if you only have just a $50, $100, $1.00 or even no money. You can start investing. I am going to show you how to get started.

I have been investing a long time, I have used a lot of different tools and platforms to invest my money and this is by far the easiest thing I have ever seen and on top of that it only takes about 5 minutes to get started.

Once you get started investing with this app you will be on your way to building wealth and improving your financial future, and using your money like the wealthy do where you take your money and use that to make more money.

Here is a quick peek into my accounts, you can see how much I have accumulated just by using this app for the last few months.

Just to be clear, I started this with no money. I didn't make any initial investment and this is what I have been able to accumulate in that time.

This sounds interesting to you, keep reading, we are about to get started.

At the end of this article, we are going to add the link to the actual tool that we are talking about today, and at time of writing this article, they are actually offering a free $5 bonus just for signing up.

But I do need to say that offer isn't available on their standard home page, so you do need to go through the link at the end of this article to actually get that bonus.

Let's get started.

This is the acorns app website tool whatever you want to call it and what I love so much about is it allows anyone to get started investing even if you don't have any kind of initial investment, and the way it works is they allow you to invest your spare change.

What that means practically is if you go to Starbucks and spend $9.47 they are going to go ahead and round that up to $10.00 and then take that $0.53 and invest that for you

$9.47
+$0.53 roundup
=$10.00

If you do that over and over every day with your purchases that adds up to a lot of money that is now invested, and what is also awesome is that it's automatic, and you don't have to think about it.

Just go ahead and sign up

Now, what it's asking to do is connect your bank account and the reason is is because the whole idea behind acorns is that they take these purchases and they round them up and then take that round-up amount and then invest that.

They used 56-bit encryption just to makes me feel a little bit better since I am connecting my bank account to them over there.

Just go ahead and select your bank account

Now we have our bank account linked, we just need to give them a little bit more information.

What they are trying to do is help you determine how your risk tolerance should be and how they should invest your money, whether it should be a little more conservative or a little bit more on the riskier side.

Base on the answers to questions this is how they recommend that we invest in a conservative approach since we are looking to get this money out within a short time frame.

The majority of our money is going to be invested in bonds, with a little bit in stocks, a little bit in real estate, I believe you can still change this after we get past this screen. If you want to override it, but this is what their recommendation is.

By default when you set up an account what it does is, it starts using this rounds thing we went through when we hooked up our bank account.

That was one way to add money, but you can add additional amounts of money to it automatically just to get things moving even faster.

If we want to add $5 a month, you can do that. Then now we are all set up and so they send a little confirmation email over to use.

When you first log in to your account you are not getting anything going on yet because it's going to take a little time for those roundups to be invested for your account to be approved.

The point is they are just trying to find any way they can to help you just scrape off a little bit of money to get it invested.

There is something else that is really cool that they do is they have all these other companies that you can do something with and then you can earn money that essentially will be invested for you.

That is the acorns app and it's by far the easiest way I have ever found until I get started investing with basically no money. If you want to get started there is a link down below that you can check out and give them a short, or dig in deeper, do some more research.

If you sign up for Acorns using that link below you and I will get $5

$5 Bonus - Sign-Up For Acorns Today!

9 Things To Stop Paying For To Save Money

mininely Finances , Save Money

In this article, we are going to talk about 9 things you should stop paying money for. If you add all the savings that the average reader would save by not spending money on these 9 things, what you will find is that it would be a saving of probably many thousands of dollars a year.

If you want to see how much money you could be saving keep reading.

As we go through these 9 different items I'm going to put links down at the end of this article, so if you want to find out any more information or if you actually need the URL of any of the things that we mentioned, it will be down at the end of this article. All those links will be there for you so you can check those out

Let's go to these 9 things you should stop spending money on.

I would say, you probably know a couple of these because you are financially savvy person if you are reading this, you care about your finances, so you might know a few of them, but focus on the ones that you do not know and just remember one idea that you implement could save you a whole lot of money and really improve your financial life, so just one idea that you run with and execute, and take action on, can make a big difference.

1. Credit Card Interest

If you are paying credit card interest if you are carrying a balance on your credit card? You are paying for something that you should not be paying for.

I understand if you are in a situation you can't immediately pay it off because you don't have the cash available to pay off your credit card balance, this is definitely something that could save you a whole lot of money and really none of us should be spending any money on.

2. Pets

If you don't know anything about pets, pets are very expensive, even if you have small pets. I am not trying to convince you to get rid of your pet, I don't necessarily think that is a good idea, but if you are on the fence about buying a pet, you are considering getting a pet, then this is something you should think about.

There are a handful of websites you go to where you could become a pet sitter and you could maybe pets sit for a weekend or whole week. This might be the fix that you need if you are feeling like you want a pet or it might convince you that you absolutely do not want a pet.

But either way what is great about this is that you actually make money in the process, so you don't have to pay money but you make money. And you might be able to satisfy that craving that you are looking for with one of those little animals.

3. Cable

Are you still using a cable? Please tell me you are not using cable, come on, what year is it, okay maybe you didn't know but let me enlighten you, you could save a whole lot of money by getting rid of cable and switching to a service like Sling or Hulu, and you should be able to watch most of the shows you are trying to watch if not all of them, should be able to get a good amount of your sports and there are ways to work around the cable thing and save a lot of money.

4. Personal Finance Software

I am a financial guy, that is what we do on this site, we help people with their money and so this is my would, but anyway there is a lot of personal finance stuff were out there where you can spend a lot of money on it. And there is actually a tool that is better than all of them, in my opinion, and it is completely free

It's called personalcapital and they just have an amazing suite of financial tools that are all in there for free, that is one of the things that we really shouldn't be paying for because it's just so good.

5. Your Car

I am honestly not planning on getting rid of it, but I have thought about it, with Lyft and Uber being available, there is a lot of options, a lot of ways to get to places. And even if you are not in the city, I mean, Lyft and Uber are going far out and they are becoming viable options to get where you need to do.

The enticing thing about it is that owning a car is really expenses, for most of us it's probably our second biggest expenses next to rent or homeownership expenses. That is something that we could eliminate, we could save a whole lot of money.

6. Books

Some of you may remember this old place called the library and the library actually has free books there. And you can actually get ebooks there for free, you can get audiobooks for free, you can even get good old paper books for free, and there is this cool Google Chrome extension that when it's running and you are on Amazon's website, it will search your local library database to see if a book is available.

7. Tax Preparation

Every year we have to file taxes and none of us like doing it, but it's part of what we need to do but for the last few years I have noticed that TurboTax has a cool program where they will file your taxes for free. Federal and state completely for free.

There are restrictions, you have to have income qualifications and you have to be filing a simple return, but the point is that a lot of people can actually do this for free without having to pay. When tax time rolls around be sure to check that out

8. Credit Report

There are a lot of places that you can get charge for checking your credit report. But there are some free places and I have already written about that in those articles below

Read: How To Check Your Annual Credit Report Online For Free

That is definitely something that we shouldn't be paying money for either.

9. Subscriptions You Don't Use

In my case I have been using the cable alternatives for a long time I were probably going on to a decade and as a result I had a handful of these different subscriptions, I did have a Sling, Hulu, Netflix, Amazon Prime, HBO, I noticed I were not really watching any shows on there and I was wasting money on some of them.

I went through and just cut out all the ones that I wasn't using very much and saved myself like $50 a month, really simple, and this might not necessarily be TV stuff, but like amazon prime, if you are not getting your money's worth out of it, then cancel it, save yourself the money.

LINKS MENTIONED

Free Turbotax: https://turbotax.intuit.com

Sittercity: https://www.sittercity.com

Lyft: https://www.lyft.com

Library Chrome Extention: https://www.libraryextension.com/

How To Make Money In The Stock Market - 5 Steps

mininely Currency Trading , Stock Market

When people talk about investing. Most of the time they are talking about stock market investing. Now, you are never guaranteed to make money when you invest in the stock market, so you want to make sure you do own research. But there are 5 tips you can use to help you profit from the stock market.

Oh, and I have to tell you, I am not a financial planner or an accountant, I am just a small-time blogger. So, with that, let's get started

1. It's Not Always About What You Buy That Matters. But When You Buy.

You can buy shares in the most profitable company in the world but if you buy in right before an economic crisis, well, the entire stock market will come down and that means your amazing stock will go down too. That means don't chase stocks, wait for the market to come down before you pull the trigger to buy it.

How are you supposed to know when it's a good time to buy it.

Well, you will know how, when you are watching the news and everybody talking about how the stock market is soaring and how people are making tons of money in the stock market, so, you have to buy now. Yeah, that is exactly when you should not buy.

I know it's tempting to buy when the media is reporting about all these people making so much money in the stock market, but I need you to trust me on this one, the last thing you want to do is play catch-up when it comes to investing.

Stock Economic Cycles

Stock is like every other asset in that they follow economic cycles, there are times when the stock market is going to go up which is called the "Bullish Market" and there is time when the stock market is going to come down which is called the "Bearish Market" and then in the middle you are going to have a bunch of small little Corrections.

You have to be patient, what goes up must come down and that doesn't just apply to apples falling on people's head.

Here's a very simple way to put it. Buy a strong company when you notice the economy is weak.

2. Buy For The Long Term

Remember we are talking about stock market investing, not stock market trading. Buying a stock at 9:00am and then selling it at 2:00pm. That same day. That is not investing.

Investing is when you buy a company and you have the mindset to hold it for at least a year. That is what investing is.

You want to buy a stock and then hold it so your company has time to grow and make you more money. Plus, you don't want to be tempted to sell your stock every time there is a down day in the market.

Remember, economic cycles happen, your stock might come down a little bit, stay calm.

3. Investing In Chunk

I don't care how smart you are, nobody and I mean nobody can accurately predict what is going to happen in the stock market 100% of the time. We'll never be able to predict it if the stock market it's at the top or the bottom

So, instead of investing all the money at once, you should buy and sell in smaller chunks.

Here's what I mean

If you want to buy $12,000 worth of shares of a particular company, you can start off by buying $3,000 when the price hits to target buying price. Then if the stock price goes down, you can buy $2,000 more and then another $3,000, this way if the stock price goes down big. You can still buy more.

If you are unfamiliar with how to actually buy and sell the stock, you have to use a brokerage. There is a bunch of them out there.

4. Investing In Dividend Paying Stocks

If you don't want to wait until you sell your stock to cash in. You can also invest in dividend-paying stocks. Not every company in stock pays a dividend, that means you are going to have to do a little bit of research to see if your company or stock is going to pay you a dividend or not.

If these companies do pay you a dividend, that means they are going to pay you every single year just for only the stock. All you to do is buy shares of it and every year they are going to give you money.

Most companies pair quarterly dividend, meaning, to pay you every 3 months. An amount each company pay is going to vary from company to company.

5. When You Are Trying To Sell A Stock - Don't Get Greedy

Nobody can accurately predict when the stock has reached this peak, so, don't try to time the best time to sell a stock. Remember, green is green, if you make a profit, take it, don't look back after yourself and remember you can sell your stock in chunks too.

If you think the company might go higher, you can sell a portion of it today and then sell somewhat later if you think it's going to keep up.

Remember I am not telling you what to do, these are just some of my tips so make sure you do your own research.

What Are Mutual Funds, Index Funds, And ETF?

mininely Currency Trading , Stock Market

I am going to be sharing what is the difference between mutual funds, index funds, and ETFs. For me, this was something that took a little bit of time for me to understand because it's not really that difficult to understand when somebody explains it to you. But it takes a while for you to figure it out if you are doing your own research.

Let's dive in and talk about mutual funds, index funds, and ETFs. Because there is a lot of confusion around these items, they get interchanged when people are talking about them.

I just want to give you a quick basic overview, I have some differences and similarities between these 3 investment types that you can do in the stock market

Let's Get Started

Mutual Funds

There are two types of mutual funds

Actively Managed Fund
Index Funds: Which is not actively managed

When people are talking about investing in mutual funds, they are sometimes not clear on what they are talking about, whether it's an actively managed mutual fund or if it's an index fund.

Let's just clarify

Actively Managed Funds

An actively managed fund is when it's actively being managed. Someone is in charge of this fund and they are deciding what stocks to put in and if those stocks start dipping down, then they decide to take out some of those, and put in some different ones. They are constantly changing that mutual fund, and it's usually more expensive to invest in actively managed funds.

They have a higher expense ratio and both of these types of funds have expense ratios. When you are picking your investments, you want to make sure that you are paying the lowest amount possible in fees. You are going to have an expense ratio with actively manages funds and index funds. The expense ratio for actively managed funds is higher than an index fund because they are actively managed. Someone is deciding what stocks to pull in and when to replace them.

Index Funds

With an index fund, that is tracking something else. It's not actively managed, it's just following an index. For example, there is a vanguard total stock market index fund, and that fund follows the total stock market. It makes sense because it's an index fund that is tracking the total stock market

When you are looking to invest, I actually like investing in index funds because they have that lower expense ratio, the higher the expense ratio, the more money it's going to be taken out of your investments and you won't be able to grow that money as much overtime.

If you have a lower expense ratio like with an index fund, you are actually making more money because essentially the actively managed funds don't have a higher return than an index fund. That is why I like index funds, they have a lower expense ratio and they still get a good return for you.

When you are talking about mutual funds, and someone is telling you about them, make sure and ask is it actively managed the mutual fund? Or is it an index fund that you are talking about. Is it tracking something else?

Hopefully, that helps a little bit and index fund is just tracking something else, so it's going to cost less to invest in that because there is no someone actively managing that fund. Like with an actively managed fund.

Let's Talk About ETFs

ETF is (Exchange-traded funds) and they are a little different from a mutual fund, but they act like an index fund because they are still tracking something else. they are not actively managed, it is another type of fund but it is an exchange-traded fund.

There is total stock market ETF that is tracking the total US stock market and it's really easy to invest in ETFs because they don't have a minimum amount that you have to invest, it's just the price of the ETF.

Let me explain what I mean.

When you are purchasing ETFs, it's going to be the price of the ETF itself and with an index fund, they set a minimum amount that you have to invest in order to invest in the fund and the example that uses, the total index fund, has a minimum amount of $3,000 to invest.

Not all index funds are that high and some are actually higher than this, but some of them could be a $1,000, $2,000, or even up to $10,000, depending on your fund. But you want to keep that in mind when you are deciding what you want to invest in and if you don't quite have that $3,000, maybe you want to start with the ETF and invest in the ETF.

ETFs price at about $143, that is quite a significant difference, $143 compared to the $3,000. ETFs are easier to get started and if you don't have quite as much money to begin investing, then you can start investing in ETFs.

ETFs act as stock, in the fact that you can purchase the ETF throughout the entire stock trading day hours, and you can choose to purchase the ETF, let's say at noon or for whatever price it's showing currently on the ETF. If it's showing $144 at noon you can go ahead and purchase it for $144.

With an index fund, you have to wait until the close of the trading hours of that day, and whatever the price is for that index fund, is what you will pay. Even if you place your order at the beginning of the day, you are actually purchasing it at the end of the day. It's doesn't act like a stock

With an ETF, you also have an expense ratio, you want to make sure that the expense ratio is low on your ETF as well as if you are going to invest in an index fund, and the ETF ratio is exactly same as the index fund 0.04%. It's super low ratio.

Commission Fees

When you are purchasing ETFs, there will be a commission fee or a commission charge. Most of the time depends on who you are investing with, for example, if you were investing with Vanguard they charge a $7 commission fee.

Since ETF is similar to a stock, you are going to be paying that commission fee each time you buy and sell your ETF.

If you are investing in index fund there is no commission fee and there is no one-time fee to invest in an index fund, but there is with an ETF.

BOOKS I RECOMMEND

1 BOOK (Wealth): https://amzn.to/2ZXpg1y

2 BOOK (Mindset): https://amzn.to/300TiBW

3 BOOK (Business Finances): https://amzn.to/30epKf0

4 BOOK (Investing): https://amzn.to/32D60mV

5 BOOK (Organizing/Decluttering): https://amzn.to/2LR9sUr

That is it for mutual funds, index funds, and ETFs, hopefully, this article was helpful

7 Factors Affecting Your Credit Score To Dropped

mininely Credit card , Credit Score

In this article, I am going to be sharing with you the most common reasons why your credit score might drop. For me, it's just like a matter of asking yourself what changed on your credit report. One of these 7 things had to have happened. It could be a lot of different things also, but these are the 7 most major reasons and the most common reason why your credit score changes.

1. Late Payment

If your bill is over 30 days late, then you are definitely going to see am impact on your credit score, because that late payment is going to get reported to the credit bureaus and then they are going to document that on your credit report.

A lot of people don't, it's not that they don't necessarily know that late payment is a bad thing. People know that they should be paying on time, you get a due date you know that you are supposed to do this thing by the deadline. But I think the big issue here is that a lot of people don't know exactly what the consequences are for making a late payment, and people don't understand that how late you are, actually does matter.

If you are a day late, 2 days late, 3 days late, it's not a big deal usually they will forgive that, but if you are more than 30 days late then that is when it actually starts to hurt you and you will see the bump on your score when it drops down.

It's important for you to pay attention to making sure that all of your payments are on time and that if you do forget to make a payment, you pay as soon as you realize that you missed it.

Call the company and ask them if they will be willing to forgive that. Your payments history makes up 35% of your credit score. That means the most point in your score come from you making a payment on time.

2. Big Purchases

You probably made an expensive purchase. A lot of people don't understand how utilizations works. The next biggest category in your score is worth 30%, that is, utilization or your debt to credit ratio.

If you have a lot of debt, you own a lot on your credit card, that is bad for your score. The lower your balances are then the higher your score will be, When credit cards first came out they were only used for emergency purpose because people used credit only when they needed to.

They weren't, rewards, perks, gas cashback, and flight advantages, didn't exist back then, so when credit cards first came out was very simple, if you are strapped for cash, if you don't have the money, you can use the credit card to make the purchases and pay it back later or slowly over time. That is what people did.

If you think about it, that is the original idea of why credit cards exist. If an emergency does happen and you need to use your credit card, but you can't, because you maxed it out, or because you own a lot of money on it. Then you actually can't rely on your credit card as a source of funding when you need it for an emergency.

It's really important that you understand why credit cards exist or what the thinking was why they created them and that you make sure you play by the rules.

Keep your balance low at all times and if you do have to make a very expensive purchase just pay it down by the statement closing day.

3. Collections

Any time that you have an account that is unpaid. For the most part the person who is trying to get that money from you is going to only try to get it from you for so long until they "go alright you know what this person is not giving us this money we're tired chasing after them to get it, we are going to hire collection agency to take care of hunting them down and getting the money that they owe us".

Once you have a collection agency chasing after you, that is called going to collections. Which means that on your credit report you are going to have a collection which is going to pop up on there. And the more collections you have the worse it is for your score.

You really don't want to have a bunch of people out there looking for you, it is really bad for your reputation, it bad for your score, makes it look like you do not pay back what you borrow. Which means in the future no lender is going to want to lend you money.

It is going to be hard for you to get approved for anything in the future if you have a lot of collections on your account, so if you have a collection, just pay them off as fast as you can and if you can't afford to pay it off then set up a payment plan with that collection as fast as you can at least call them, get in touch with them and say "hey I can only afford this amount a month, let's put a payment plan together and as long as you are in communication with them then you will be okay".

But as long as you keep avoiding them your score is only going to get worse. The reason this hurts your score so much is that it creates something called a "derogatory mark". If you have derogatory marks on your credit report that is when you start to see a pin starts to takes points off your score.

You want to be really careful about not having any derogatory marks on your account if possible, and if you see one pop up immediately handle it.

4. Applied For Credit

You have submitted a new application for credit and that makes your credit score drop. There are two different types of inquiries, hard inquiries, and soft inquiries.

A hard inquiry is the one that hurts your credit score and this one only happens when you actually submit an application for credit.

Soft inquiries are fine, it is mostly for research-based purposes, sometimes companies will just look and see if they want to think about approving you or how likely will you be to get approved if you did apply.

That is just research purposes but when you actually doing it for application purposes that are called a hard inquiry. You do not want a lot of hard inquiries on your account because once you have one hard inquiry on your credit report, it stays on there for 1 full year and you can't get it off to the whole year passes.

Slowly as the year approaches, you will see the score starting to go up a little bit because the hard inquiry would have less of an effect as it gets further away in the past.

5. Lower Credit Limit

Your credit score will drop anytime that your credit limit is lowered. This could be from two different reasons, you asked to close an account and so your credit limit went down, or your credit card issuer reduces the amount of credit that they led you.

Either way, it doesn't really matter why, but anytime that the amount of credit that you have decreased, that is going to hurt your score and it's going to be for the same reason as number 2, which was the utilization. If you make an expensive purchase it increases your utilization percentage which is really bad.

The same thing happens, when your credit limit drops, you are closer to the amount of money that you owe which means that your utilization percentage is going to increase, that is really bad.

Always keep the amount of money that you owe, the balance that you have right now, as far away from the credit limit as possible, if your limit drops and you get closer, that is going to be really bad, you always want to have a low utilization so that it doesn't hurt your score that much.

6. Closed Account

If you ever have an account closed on you or if an account is canceled, the credit card is canceled. That will make your credit score go down. This one is really important because a lot of people think that when they pay off their credit card balance and they are finally free of the debt. That they should close the credit card.

That is not the case, you want to leave the card active because it is an account that counts towards your score, every account that you have that is in good standing, that is active, is actually helping your score because it looks like you are able to juggle and manage a lot of different types of accounts and a lot of different types of lenders.

But if you close an account or if you cancel a credit card, it is actually going to hurt your score so you will see your point drop, which is something you don't want to do because you can't open it back up and fix it. It is not reversible, you would have to apply again, but sometimes you are not allowed to, you have to wait a certain period of time to apply for a certain credit card again.

If a credit card lender or issuer closes an account on you because you haven't been paying it or because you haven't used it then that is actually bad and it is going to hurt your score as well. It doesn't matter if you close it or if the lender closes it. The point is it's going to have the same effect on your score.

7. Paid Off Loan

If you paid off a loan your score might drop. If you pay off all your student loans that is a good thing, and logically you would think that your score will go up because you show responsible behavior by paying off your debt, but that is not always the case.

The things to consider here is that there is a category in your credit score called "mix of credit" or different types of credit that you have and it is really important that you have a good mix.

There are two different types of ways that you can mix up your credit, the first one is that you want to have two different types of credit "Installment credit and Revolving credit".

Revolving credit: Are things like credit cards or a line of credit. Things that you will always have access to that money even when you pay it back and your balance is zero, you can use it again right away.

Installment loan: Is something that they lend you a very clear certain specific amount of money and you pay it off slowly over time until it is zero and then it is done. And you don't actually use it again or touch them again, you pay it off and you are done.

Now, if you have a loan and it is an installment loan and you don't have any other installment loans, that is the only one, for example, student loan or a personal loan, and then you pay it off, you don't have any more installment loan, you don't have a mix of credit, you only have revolving credit left which are your credit cards.

That is why it is going to hurt your score because the more mix, the more variety in your cards and types of account that you have, the better, and if you don't have a good mix then that is when it hurt.

That is the important thing to know. If you have only one installment loan and you paid it off, and you don't have any more installment loans, you are going to see a little bit of a drop in your score.

That is not all the reason that exists, but it's the top 7 that I pick because they are most the common reasons that I have seen and know of

Stocks VS Bonds: The Difference

mininely Investing , Stock Market

I mainly want to talk about the difference between stocks and bonds because those are the two popular ways that people invest money besides real estate or opening own business. I think stocks and bonds are two popular terms that people hear, but maybe don't always completely understand what they mean.

In order to understand the difference between stocks and bonds, you have to rewind a little bit and think about a business or company. In order to operate a company or business, you need money to have a day to day operations, in order to give it a purchasing that you need or hire people to work for your company, whatever it is.

There are 2 ways that a new business or existing business or company could get the money that it needs to be able to operate.

Bond

The first way is to borrow that money, and that means the company or the owner of the company will be going into debt. That means they are borrowing money or taking a loan from a bank or from an investor, or personal people that they know.

Bond
Makes you a lender
You earn interest
Payment due to you on date of maturity

They will come up with some terms saying "you are going to lend me this money and then I am going to pay it back to you later, and the idea there is that whoever is lending the money is hoping and expecting to make some profit later when they get their money back".

Stock
Makes you an owner
You claim part of a company's asset's earnings
No guarantee to get your money back

Another way that a business can raise money is by selling part of the company and which is called "equity". That is what we think about when we hear the word stock.

Stock is literally giving somebody a piece of your company, so the business owner would basically be saying "I am not going to be a 100% owner anymore. I am going to give a little piece of my company away to different people so that they can own some of it too". I am going to sell these pieces, so if you want to be part owner of my business or my company, then you would pay for a little piece of it.

The Risk In Bond And Stock

The big difference here is that if you are the kind of person who wants to be a lender if you want to lend somebody and you know that they are going to pay you back later and make a profit. There is not a lot of risk in that because there is a contract and the person is going to be held responsible for the terms in the contract because you both signed that agreement.

Being a lender is not as risky as being a part owner or being the owner of a company or a business. The thinking here is, this business could do really well, or it could do poorly.

I mean, who knows, you can't tell the future, maybe right now the business is doing really well, but in another month or year or 3, 4 or 5 years, all of a sudden people just stop consuming, people just stop buying. Maybe people stop using your service or stop buying your products, those are all possibilities because you don't know what's going to happen, you are taking on a lot of risks when you choose to be part owner of a company.

If you buy stocks in a company, you are taking on a lot of risks. If the company does well, yes, you will do well, but again if the company doesn't do well, then you might lose the money that you use to buy your stock. But you are expecting that the business will do well and that you will do well. That is the hope.

But again there is a lot of risk on the stock side because again nobody knows, you can't predict the future of the company perfectly.

I would say decide for yourself,

Bond

If you want to lend a company or business money and know that on the date that you signed, basically it's called the date maturity. You would get back what you lend them and some profit, or think of it as interest.

Stock

If you want to own the business and take on all the risk but that also comes with the chance that if the business does well, you will do really well, there is more risk and also there is a lot of money in that.

If you want to be an owner then obviously you would invest in stocks and if you want to be a lender then obviously you would invest in bonds.

I would say that it depends on where you are in life or what type of person you are or how much risk you can take or willing to take on. Those are all things that you should think about when deciding if you want to invest in a bond or if you want to invest in a stock.

Top 5 Best GPS Tracker For Cars- (Potable And Review)

mininely Cars , GPS Tracker

Best GPS Tracker For Cars- US, UK, CA (Potable And Review)

It certainly is a challenge to find tools that are worthy of your hard-earned money, it isn't impossible, especially when you have a reliable source like this site, to point you in the right direction and show you the brand's you can trust.

Now, in preparing this list, we reviewed literally dozens of products and we based our rankings on a number of factors, including the features of the product, value for money and the reputation of the manufacturer. We even read countless reviews from actual users.

If you choose from this list, you can be sure you will be buying one of the best tools available today. And make sure to check the products link down below each of the GPS tracker tool mentions.

1. SpyTec STI GL300

Perfect for tracking vehicles but also teens, spouses, and elderly persons or assets. You can get text or email when a person leaves an area.

Track anything in real-time with the precision performance of SpyTec STI GL300, real-time GPS tracker from spy tech. This unit is super discreet with a small body size of only 2 inches, so it fits almost anywhere

It packs a two-week battery life for the less charging hassle, attaches it to a personal vehicle or object and starts tracking immediately from your phone or computer

With spytech's GPS tracking platform you can monitor the activity of your tracker in real-time, set up alerts or even get custom reports summarizing the data. Log in from anywhere to use the advanced geo-tracking technology in a sleek easy-to-use interface.

There are no setup fees or monthly contracts, so just use it as you need it.

Check Out The SpyTec STI GL300 From the link below

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2. CarLock 3G Car Tracker

It monitors the health of your vehicle and alerts you in advance if your car battery is running dangerously low

Included is also a detailed trip tracking which lets you monitor where your car has been. Carlock is an easy-to-use solution for monitoring car security and location it's a simple system that connects your phone with a tracking device in your car. It watches over your vehicle while you are away.

The app alerts you of suspicious activity, like someone starting the engine, moving the vehicle, removing the carlock device or the car experiencing unusual vibrations.

Carlock monitors troubling habits, like horse acceleration, hard braking, sharp corning and speeding. At the end of each month, the driver is given a report card, it also tracks your electrical systems and alerts you if the battery is running low or experiencing high drain.

It takes a lot of trusts to lend your vehicle to someone, now, you can easily track routes your vehicle is taken with an extremely powerful GPS

It's time to stop worrying about your vehicle and make your car save today.

Check Out The CarLock 3G Car Tracker From the link below

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3. Linexup Vehicle Tracker

Free GPS tracking mobile apps with unlimited real-time email and text message alerts available.

When your business relies on your fleet. You can rely on links up GPS, links up delivers benefit beyond their accurate real-time vehicle tracking, you can get detailed reports that were deemed fuel costs by eliminating unwanted idling, use route replay to review and improve route efficiency.

Improve drive safety with drivers scoring and performance report cards, get real-time alerts on unsafe driving activity through the powerful mobile apps and manage and reduce vehicle maintenance cost with tools for tracking vehicle maintenance schedule.

Be alerted when your vehicle enters or exit key areas, that you define and set up approved usage times so you know if your vehicles are being used outside business hours. Knowing where your drivers are and for how long helps you avoid customer disputed and create more accurate billing with detailed service reports.

Take charge of your fleet with links up GPS and stop asking where are my trucks.

Check Out The Linexup Vehicle Tracker From the link below

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4. MOTOsafety 4G Tracking

You can track from anywhere using free GPS tracking mobile apps with real-time email and text message alerts. Review driving route set geofences around kids locations and know when the vehicle is in use after curfew.

Monitor driving activity with 100% accuracy using Google Maps. I read research on driving and teenage drivers and I found that parents who helped coach their young drivers it can actually reduce accidents up to 50%, so I thought moto safety was the perfect tool to help coaches.

The statistics don't lie, here are just a few of the facts.

Teen driver ages of 16 to 19, are 4 times more likely than older drivers to be in a car crash within the first 3 years of driving. 89.2% of teen drivers will have an automobile crash. 52.5% of teens will have two crashes within the first 3 years of driving.

Surprisingly alcohol is a factor in less than 25% of deadly teen crashed. In fact, 75% of teen traffic fatalities result from driver error.

That is why moto safety was developed, a new service that allows parents to monitor and coach their teen drivers. There is no way to protect against every hazard on the road but moto safety gives a parent a powerful tool for taking a more active role in helping to keep their teens fate.

Moto safety is a small plug-in device that plugs into the diagnostic port under your car or trucks dashboard if you can plug in a toaster you have all the skills you need to use moto safety.

Once install moto safety allows you to monitor and coach kids driving behaviors such as speeding, harsh braking or rapid acceleration. Moto safety allows parents to monitor driving activity through an easy to use web-based interface.

Moto safety gives parents a daily report card that scores your teens driving and alerts you to activities that may be unsafe. Moto safety is intuitive, easy to use most importantly it gives parents a way to increased the safe driving behavior of their teen driver.

Check Out The MOTOsafety 4G Tracking From the link below

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5. LandAirSea GPS Tracker

The ultra-compact design which is 100% waterproof and built-in-super strength magnet. You can track and map with Google Maps in real-time on web-based software or silver cloud app.

Attaches to a vehicle fits in small pockets or discretely hide it in your backpack, carrying case or purse.

54 is the most versatile GPS tracking device that ever created. It can pinpoint location and speed with incredible accuracy so you can keep track of your assets, vehicles, or any other object that you need to keep track of.

It's also small enough to put in someone's purse, jacket or pocket. Battery life has also been significantly improved on this new 54 design, this life of the battery on a single charge barrier with the amount of movement, but on an average, you will get anywhere from 1 to 2 weeks on a single charge.

But it all depends on how much movement and how often you want the 54 to update is a location. If you are using the 54 on a vehicle there are many places you can put it, in the glove box under the seat, in the rear pocket of the seats, the center console, just about anywhere.

If you don't have access to the inside of the vehicle, another benefit of the 54 is the powerful built-in magnet. This allows you to place the 54 on the exterior of the car, including underneath.

Because it's completely waterproof, you don't have to worry about rain, sleet, or snow damaging your device.

Tracking the 54 is easy using the land silver cloud app. You simply log in and instantly see the location of the 54. The blue dot shows you your current locations where you are in relationship to where the 54 is.

When the subject is moving, you will also see moving along the map with location update as faster every 3 seconds. You can touch the icon to get additional information, like when the subject is stoped at a particular location, the address of that location and the battery life percentage on that 54.

When you select the icon, you also see some really cool features "shares spot" insta fenced-in history.

Share spot will allow you to text your email the real-time tracking to somebody else, so they can begin instantly tracking the 54 with their phone. When the recipient receives the shared spot, they can just click on the link and they can view the real-time tracking of the 54.

Insta fence is also a really cool feature, if the 54 is stopped somewhere, insta fence will send a notification to your phone or your smartwatch to let you know when the 54 is on the move.

Anything 54 can fit inside or attach to can be tracked. Keep the device in your vehicle, purse or luggage and you will be able to locate your property in the event of a theft. If you want to make sure your child is getting to school safety, you can put the device inside their backpack or their jacket pocket, and you will receive notifications when they arrive safely at their destination.

How about your teen driver, simply hide the 54 inside or attach underneath their vehicle to see exactly where they are sneaking off to at night. And if you suspect your partner cheating, the 54 will tell all.

Check Out The LandAirSea GPS Tracker From the link below

https://amzn.to/2ZyvNLr

I hope this article provided some helpful information to convince you that this top vehicle tracker is the best.