Jonathan Daines, CEO of comments:

New year, new investment?

If one of your new year’s resolutions is to either become a first-time landlord or grow your property portfolio, don’t delay any longer – now is the time to act!

With stamp duty changes coming into effect from April, you should really begin thinking about your target market, aka your ideal tenant, and start the property search with them firmly in mind.

first-time landlord

Proximity to the property will influence whether you personally manage the investment yourself or have a high street letting agent manage it for you. The former will save valuable funds, which in-turn makes money over the year. For taking a few hours initially and an hour a month (if required) of your time, it may be worth it to some, particularly if you have a lower rental yield.

Any property bought closer to you will make it easier and cheaper to get tenant-ready and manage any maintenance issues directly. Keeping it local and within your control will always mean more money can be saved and revert what are normally high agency costs into a positive rental yield.

If you decide to take on a buy-to-let investment and manage it personally, you have saved and made money already! Online Letting agents, like are here to facilitate these savings and have supported thousands of buy-to-let landlords already facilitate their investment process.

In the current market of attractive low interest rates, the new year is a great time to become a first-time landlord or grow an existing portfolio – but like all things, if you haven’t done your homework, financial gains can quickly turn to losses.

So if you are looking to invest in 2016 – go for it but make sure you weigh up all the pros and cons first and remember to do the maths!

Continue Reading

Becoming Skilled With Binary Options is a Process – Here’s How

The interesting thing about information is that while it’s often free, the application of it does cost you something. Getting quality information requires time and energy, but we’re lowering the cost of getting into binary options by giving you the overall process. Saving you time might as well be saving you money, when you really think about it.

Binary options trading is all about looking at whether or not you’re going to say “yes” or “no” to a trade. Binary options look at whether or not a specific asset is going to be above a certain price at a very specific time. If you believe that this will be true, you win and are considered “in the money”. But if your estimate is incorrect, you lose in the trade and you forfeit the amount invested.

Binary Options

Why Binary Options Are So Popular

Speed is one of the top characteristics that investors look for in a trading deal, and binary options trades deliver this very easily. Will the price of a currency be above a certain amount by 1330 today? If you think that it will, you can just make a binary call option. You buy the contract option at a set ask price, which allows you to calculate your profit. You can’t win or lose more than 100 USD, so this allows for a lot of testing and even a bit more speculation than in other places. It’s very difficult to lose your complete nest egg in one trade, the way it is with other types of investing.

Once you get into it, the system reveals itself. Looking at bid and ask prices all day might be hard to do on pen and paper, but most binary trading platforms make this very easy. If you want to get started with the concept without spending any money, there is often a “practice” mode that you can use. You can also read more in-depth strategies and reviews on Binary Options Buff site.

Binary Exercising – The Payoff

American or European? No, we’re not talking about coffee or buildings or anything else — we’re still talking about binary trading! The style of exercising your options depends on what you prefer. With European-style execution, you can only exercise the contract on the last day prior to expiration or the actual expiration day. American-style execution allows you a bit more flexibility, giving you the freedom to settle the trade at any time before the expiration date. Try both styles to see what you like!

Do we believe that binary options have a future? Not only do we believe so, we think that this is a great option for newer investors that want a chance at profit without crippling risk. Check it out for yourself and see what you think.

Continue Reading

Safe trading is Profitable trading – Check out the Possibilities

Trading online is a mixture of effectiveness, safety, and flexibility. In order to be a successful trader for the long term, you have to constantly look at patterns, figure out where you want to strike and then have a platform that allows you to strike quickly and consistently. That’s the name of the game, and we found a place where you can reach those goals with ease: ETX Capital.

Profitable trading

We wanted to find a place that would match certain “must haves” on our list: ease of use, flexibility, and consistency throughout the entire site. ETX took the time to build a wonderful solution that addressed these issues. If you’re going to get into binary options trading, for example, you don’t want to migrate between platforms too often. We like to be able to log in, make our moves, and log out after a time. Nowhere in that list is dealing with site slowdowns, missing files, or other platform bugs that seem to pop up around the web. You must make sure that you’re looking at a platform based on what you need to get out of it, rather than what everyone else needs. After all, every investor has different goals.

It should be noted that these are all leverage options that do have some risk to them. Not every trade will be a winning trade, and ETX Capital does pour on the education in a way that makes them stand out as a trustworthy source. Far too many platforms online assume and insist that everything will just be rainbows and sunshine if we become investors, but seasoned types will happily tell you otherwise. Online, this is the difference between a long term relationship with a platform and not being able to forge that type of bond.

Check out the possibilities of trading at a consistent platform like ETX Capital. If you’re new to all of this, really take time to go over all of the educational links they provide directly on the site. Even if you’re used to trading online, still give all of the material they offer a spin before you get fully committed. You’ll feel better in the long run, and you’ll get up to speed faster. Happy trading!

Continue Reading

Don’t Overlook Landlording as an Income Strategy

Becoming a landlord isn’t for the faint at heart or the timid. There are pluses and minuses to becoming a landlord. While it’s true that it’s a great way to add income to your bottom line, you also have to be pretty responsible.  You’re opening a second home to people that you really don’t know, and forming a business deal with them of sorts. In exchange for money, they will have full reign of your property until the day that they move out. Then you have to make the place ready for the next person, which is going to take some time.

There are a few things that you need to keep in mind if you’re going to become a landlord and stay one for the long term.

1. Background check everyone

We’re firm believers in giving everyone a chance, but that doesn’t mean that we have the space to be reckless. It’s important that you interview all applicants thoroughly. This includes a credit and background check. Now some people feel that this is an invasion of privacy but they are going to be renting your property. That’s something that requires a high degree of trust. Make sure that you background check people appropriately before you make the big decision to take them on as a tenant.


Don’t be afraid to call their references. Some people put down false information because they think that you won’t call them out on it. But they couldn’t be any more wrong: you absolutely will call them out on it, and that means that they won’t get into the property. Routinely check to make sure that they really do have the income to afford the place. Even if they’re self-employed, they will have tax records to back up what they make.

2. Deposit their money properly

You need to read up on all of the rules behind being a landlord, because there are plenty of them. You may be on the hook for a lot of money if you’re not willing to follow the law to the letter. For example, it’s illegal not to put a tenant’s deposit into a DPS, otherwise known as a Deposit Protection Scheme. They will get a little interest on their deposit, and you’ll be able to honestly say that you did the right thing from the beginning.

Continue Reading

Unconventional Investments Worthy of Trying

It’s no secret that just about everyone should be investing. However, in today’s market, conventional investing concepts often times lead to losses. Even when the stock market is posting gains day after day, month after month, conventional investment opportunities generally lead to relatively small gains; that is, unless you have a massive amount of money to invest. Nonetheless, there are a few unconventional investment opportunities out there that are far different. Today, we’ll take a look at what I believe to be the most profitable unconventional investment vehicles.

Investment budget local government

Binary Options

Binary options are a relatively new investing concept. In fact, retail binary options didn’t even become available to the average trader until 2009. However, since then, they’ve become incredibly popular; and for good reason. The fact of the matter is that binary options trading can be incredibly profitable. When trading binary options, investors don’t purchase any assets at all. Instead, they simply make predictions with regard to the direction the value of the asset is headed. If those predictions are correct, the investor has the opportunity to realize gains as high as 80%. Another great thing about binary options is how quickly profits can be made. On average, trades last less than an hour, rather than the days, weeks or months investors have to wait for gains using conventional investment vehicles. So, if you’re looking for a quick profit that gets you away from the plain old, boring stock market trading, try trading binary options for a quick profit.

Continue Reading

Don’t Get Caught Unaware – State Pension Problems Brewing

Pensioners may have a new battle: getting the right pension amount in the first place. The type of pension we’re talking about today is the standard state pension, which is supposed to be 151.25 GBP a week. However, multiple people received statements that confirmed their worst nightmare: their payments were being reduced. For the pensioner trying to live on such a meager sum, this was bad news. It is absolutely scary to imagine that people are being forced to live on less than what they deserve.

Here’s some background on what’s going on. The problem is that money is being taken away from the state pension, and no one can understand why there is such a miscalculation. The new state pension is going to be introduced in April of 2016, with a new computer to go with it. But April is a long way from now, and that means that pensioners have to figure out what’s going on.

State Pension uk

The new state pension isn’t going to be a flat rate, which is a blow to savers that felt that they were led to believe it would be. The new single-tier system was designed to be less complicated, but that isn’t the case.

The current state pension is 115.95 a week, which is why the new flat-rate pension system was supposed to be better. There’s a penalty going around for the savers that contracted out of second pensions in the 1980s. However, you can’t blame them: the government at the time told them this would be better for them.

The deduction problem is at the heart of the state pension crisis, with people ending up getting less than they deserve simply because they did what they were told. It’s like never getting a state pension increase at all.

Another problem is that under the new system, people who worked less but served in the civil system over the private system would get a bigger state pension, despite paying less in National Insurance.

National Insurance has long been a debate within itself, but in this larger context it’s tragic.

It looks like we are going to continue hearing about the state pension problem for a really long time. We’ll keep you posted as new updates emerge.

Continue Reading

Short Term Lending – A Godsend or a Nightmare?

Over the last decade, the payday loan industry has grown by leaps and bounds, evidenced by the high number of adverts for payday lenders. Like any new industry, it has experienced some growing pains, and regulation on lenders is not as clear and comprehensive as one would expect for a more fully matured business model. While most lenders are strictly above board in their operations, there are a few who will push to the limit to benefit themselves, sometimes in ways that don’t really benefit their customers.

By paying attention not only to the adverts, all of which showing smiling, joyous customers, but the warning sites as well (which, in all fairness, are as slanted as the adverts, albeit in the opposite direction), you can at least have a better idea as to what you are getting into with a payday loan, and avoid expensive mistakes.

Given the financial difficulties many in the UK and around the world have faced since the beginning of the Great Recession, it was inevitable that alternative lending services would emerge to meet the needs of people who were hardest hit, and who found themselves unprepared to handle the drastic changes in their earning potential.

Short Term Lending

The payday loan has clearly established itself by now as a popular means of obtaining quick cash. Along the way, some payday lenders have earned a less-than-sterling reputation, as have some of their customers. Government regulations have reined in the more egregious practices engaged in by some lenders, and if the loans are handled as intended they can truly be lifesavers. If mishandled or abused, however, payday loans can cause what should have been a straightforward transaction into a mushrooming financial burden. Knowing what you are getting into and practicing financial discipline can go a long way toward ensuring that your experience will be the former, rather than the latter.

Continue Reading