Category: Business

The upsurge of an investment expert : Farrukh Kazmi? We offer a wide range of financial services to individuals and business owners. We believe you will be better able to identify your goals and make sound decisions to help reach them by A&S providing our financial information. Please call us if you have any questions about our firm or the range of Investment services we provide. Our firm has a relationship with a variety of financial services companies, so if we don’t have a product or service, we know a group that does. One of the many benefits of working with A&S Asset Management is our ability to provide clear, easily understood explanations of financial markets, financial ideas, and where you fit within them. The personalized program that we can provide is a road map to working toward a more secure financial future.

A stock (also called a share) is a part of ownership in a company. It represents a claim on the company’s assets and earnings and what that entitles you to do is to attend the Annual General Meetings (AGMs) and dividends payout if declared by the company. So essentially by buying into this company, you are betting that the management team and company fundamentals are able to get you more returns. Bonds are debt instruments in which investors effectively loan money to a company or agency (the issuer), in exchange for periodic interest payments, plus the return of the bond’s face amount, once the bond matures. Bonds are issued by corporations, the federal government, and many states, municipalities, and governmental agencies.

Even those investors focused primarily on growth rather than steady income can benefit from choosing gold stocks that demonstrate historically strong dividend performance. Stocks that pay dividends tend to show higher gains when the sector is rising and fare better – on average, nearly twice as well – than non-dividend-paying stocks when the overall sector is in a downturn. The mining sector, which includes companies that extract gold, can experience high volatility. When evaluating the dividend performance of gold stocks, consider the company’s performance over time in regard to dividends. Factors such as the company’s history of paying dividends and the sustainability of its dividend payout ratio are two key elements to examine in the company’s balance sheet and other financial statements.

Farrukh Kazmi is the founder of A&S Asset Management, I am committed to helping people achieve financial freedom by bringing Wall Street experience to the local investor.

Financial advisors may work in independent practices or part of a firm or financial institution. All advisors who work with the public must have a current Series 65 License. The National Association of Personal Financial Advisors (NAPFA) is a good place to start your search for help. A fee-based structure can be hourly, project, retainer or a flat ongoing amount that is derived from the percentage of assets being managed; usually, the greater the assets, the lower the percentage. Commission-based means the advisor charges a straight commission every time a transaction occurs or a financial product is purchased.

Cryptocurrencies are systems that allow for the secure payments of online transactions that are denominated in terms of a virtual “token,” representing ledger entries internal to the system itself. “Crypto” refers to the fact that various encryption algorithms and cryptographic techniques, such as elliptical curve encryption, public-private key pairs, and hashing functions, are employed. The first cryptocurrency to capture the public imagination was Bitcoin, which was launched in 2009 by an individual or group known under the pseudonym, Satoshi Nakamoto. As of February 2019, there were over 17.53 million bitcoins in circulation with a total market value of around $63 billion (although the market price of bitcoin can fluctuate quite a bit). Bitcoin’s success has spawned a number of competing cryptocurrencies, known as “altcoins” such as Litecoin, Name coin and Peercoin, as well as Ethereum, EOS, and Cardano. Today, there are literally thousands of cryptocurrencies in existence, with an aggregate market value of over $120 billion (Bitcoin currently represents more than 50% of the total value).

All of our brokerage accounts are held and available for viewing at National Financial Services, a Fidelity Investments Company. Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. A&S Asset Management and BFCFS are independent entities. Read even more details on Farrukh Kazmi.

Demand for gold has also grown among investors. Many are beginning to see commodities, particularly gold, as an investment class into which funds should be allocated. In fact, SPDR Gold Trust, became one of the largest ETFs in the U.S., as well as one of the world’s largest holders of gold bullion in 2008, only four years after its inception.

Eins-zu-eins online Nachhilfe? Der Lehrer hat den Schulstoff mal wieder zu schnell erklärt und die eigenen Aufzeichnen sind nicht zu entschlüsseln? Die Lösung: YouTube! Auf der Plattform lassen sich zahlreiche Clips, Dokumentationen und Vorträge finden, die jeden noch so sperrigen Stoff anschaulich erklären – ob die gleichförmige Bewegung aus dem Physikunterricht oder griechische Helden aus der Antike. Lerntipps und Lernmotivation: 7 einfache Lern-Hacks: Leichter lernen für die SchuleMit viel Wasser und den richtigen Snacks arbeitet das Gehirn auf Hochtouren.

Online-Nachhilfe war noch nie so einfach mit Technologie, die neue Lernmöglichkeiten schafft. Hier sind einige der wichtigsten Möglichkeiten, wie Technologie und Internet das Online-Lernen für einige Schüler zur neuen Methode der Wahl machen. Eliminierung der Reisezeit für beide Parteien. Hauptverkehrszeiten können wirklich schrecklich sein! Sie sparen auch Transportkosten. Schließlich ist es auch umweltfreundlicher und nachhaltiger, insbesondere wenn Sie sich auf Autos verlassen.

Webbasiertes Nachhilfeunterricht ist auch besonders wertvoll für Studenten. Cherie Mazer, eine Schülerin der Harvard Graduate School of Education, veröffentlichte einen Whitepaper-Bericht, in dem die Vorteile von Online-Hochschullehrern hervorgehoben werden. Ihre Ergebnisse zeigen, dass College-Studenten, die an Online-Programmen teilnehmen, signifikant höhere Noten aufweisen als Studenten, die dies nicht getan haben. Es wurde auch festgestellt, dass die Schüler, die Nachhilfe erhalten, im Vergleich zu den Schülern ohne Nachhilfe Fortschritte in Bezug auf „Leistung, Einstellung und Bindung“ machen. Nachhilfe in Mathe, Englisch, Deutsch, Biologie, Chemie, Physik und vielen weiteren Fächern gibt es günstig und unkompliziert bei Onlernschool.de. Die Online-Nachhilfe ist kinderleicht und bietet zahlreiche Vorteile. Lesen extra einzelheiten auf Online-Nachhilfe.

Kinder haben aus allen möglichen Gründen Schwierigkeiten im Unterricht, und leider ist es nicht ungewöhnlich, dass ein persönliches Problem schuld ist. Unabhängig davon, ob Ihr Kind den Unterrichtsstil des Lehrers nicht mag oder der Lehrer die Einstellung Ihres Kindes nicht mag, führen diese Probleme manchmal zu einer Unterbrechung der Kommunikation. Kinder fühlen sich nicht wohl, wenn sie Fragen stellen, und Lehrer haben nicht die Geduld, nach dem Unterricht zu helfen. Eltern können ihre Kinder ermutigen, schlechte Beziehungen zu bewältigen, aber es liegt nicht immer an den Kindern, und es kann wenig gegen einen schlechten Lehrer unternommen werden, außer dass sie Ende des Jahres eine Beschwerde einreichen.

Sind die Unterrichtsinhalte nach dem Unterricht immer noch verfügbar? Ja, alle im Unterricht auf dem Whiteboard aufgeschrieben Inhalte, Zeichnungen und Dokumente werden online abgespeichert und können nach dem Unterricht beliebig oft vom Schüler und vom Lehrer abgerufen werden. Dies hilft sowohl dem Schüler sich nach der Nachhilfestunde die besprochenen Inhalte nochmal anzuschauen und sie zu vertiefen, als auch dem Lehrer sich basierend auf der letzten Stunde auf die kommende Stunde vorzubereiten.

Auch im digitalen Lehrerzimmer gibt es Sprechzeiten! Lehrende empfehlen außerdem, die Online-Kommunikation zu sortieren: nach Anfragen von Schülerinnen und Schülern, Eltern oder Kolleginnen und Kollegen. Für jede Gruppe sollte es klare (Antwort)-Zeiten für ihre Anliegen geben – auch in der Ausnahmezeit. Neben der Transparenz für alle Beteiligten trägt es auch zur Stressvermeidung bei Lehrerinnen und Lehrern bei, nicht rund um die Uhr für alle erreichbar zu sein. Erklärvideos können eine gute Abwechslung für Lehrende und Lernende sein und sind insbesondere für Schülerinnen und Schüler, die Probleme mit Schriftsprachverstehen haben, eine sinnvolle Ergänzung. Videos nicht nur anzuschauen, sondern selbst zu erstellen, kann zur Auseinandersetzung mit dem Thema anregen und nebenbei noch Medienkompetenz vermitteln. Für die Einbindung in den Online-Unterricht kann eine Orientierung am Flipped-Classroom-Konzept helfen. Netter Nebeneffekt: Auch nach dem Corona-bedingten Fern- bzw. Teil-Präsenzunterricht können die Videos weiter eingesetzt werden.

Unsere Nachhilfe kostet oft weniger als die Hälfte als die eines herkömmlichen Nachhilfeinstituts. Trotzdem garantieren wir professionellen Nachhilfeunterricht von qualifizierten Lehrern. Unsere Online Nachhilfe ist kinderleicht. Du brauchst weder besonderes Zubehör, noch musst du ein Computerspezialist sein. Alles was du für die Nachhilfe brauchst ist ein Computer oder ein Tablet. Welche technischen Vorraussetzungen benötige ich für den Unterricht? Alles, was du für die Nachhilfe brauchst, ist einen Computer, einen Laptop oder ein Tablet. Wichtig ist, dass das Gerät ein Mikrofon und eine Webcam besitzt. Ausserdem solltest du eine stabile Internetverbindung haben. Lesen meht einzelheiten auf https://www.onlernschool.de/

Real estate professional and financial tricks by Brad Tinker NC? Draining your savings. Spending all or most of their savings on the down payment and closing costs is one of the biggest first-time homebuyer mistakes, says Ed Conarchy, a mortgage planner and investment adviser at Cherry Creek Mortgage in Gurnee, Illinois. “Some people scrape all their money together to make the 20 percent down payment so they don’t have to pay for mortgage insurance, but they are picking the wrong poison because they are left with no savings at all,” Conarchy says. How this affects you: Homebuyers who put 20 percent or more down don’t have to pay for mortgage insurance when getting a conventional mortgage. That’s usually translated into substantial savings on the monthly mortgage payment. But it’s not worth the risk of living on the edge, Conarchy says. What to do instead: Aim to have three to six months of living expenses in an emergency fund. Paying mortgage insurance isn’t ideal, but depleting your emergency or retirement savings to make a large down payment is riskier.

When looking at homes, you should seriously consider ignoring paint and landscaping. These are two items that are easy to fix, and they should not impact your decision making when purchasing a house. If the home has a terrific location and the paint/landscaping is poor you shouldn’t rule it out, you have to be able to envision what the house will look like when you move in and make changes. A lot of time buyers will not be able to overlook paint or landscaping and this gives an opportunity for others who know how easy it is to fix. Location is something you can’t change, paint and landscaping is something you can.

Brad Tinker NC is a financial advisor expert in the US. A Credit Card is Not Free Money: A credit card is a useful tool in your finance toolkit, but it’s not free money. When you purchase something with your credit card, you are borrowing money from the bank. If you don’t give that money back in time, the bank is going to start charging interest on your balance. This debt can build up and become a monster if you don’t pay off your balance every month. However, if you use a credit card responsibly and pay off the balance every month, it’s a good way to start building credit. Most credit cards also have other benefits such as rewards points, cash back, or travel points. So, should you have a credit card? Well, it depends. If you’re capable of paying off the balance in full every month, then you should have no problem managing a credit card and staying out of debt. PS: If you are going to use a credit card, you should monitor your credit score & credit report regularly with a free tool like Credit Sesame (or Borrowell if you’re in Canada). One last tip: Treat your credit card as a debit card. Pay it off in full every day if you have to. I try to pay off my balance every couple of weeks so that I don’t forget. I also use Trim to remind me when payment is due.

If you want to sell your home, you have to get rid of the clutter…period. Anything that you have not used in at least a year or more must go. Although this may not be easy, it is well worth the trouble even if you have to use a friend’s or relative’s garage or rent a space in a storage facility. Anything that is sitting on flat surfaces such as tables and countertops must go. Floors, closets, and cupboards should also be clean and clear because this translates into more space for potential buyers.

This is where the groundwork is laid for the search for your new home. There are several points you should cover in your initial consultation. For example: Define your needs; the number of bedrooms and bathrooms, size of the kitchen, where you want to live, your price range, timeline, etc. Determine when and how often you can look at prospective homes. Verify your contact information and how you want to be contacted (email, phone, etc.) Ask your agent about financing. They can explain the different types of available loan programs, and refer you to lenders that can answer specific questions. Review the paperwork. While not necessary at this point, reviewing paperwork will allow you the advantage to ask questions about documents before it’s time to sign them. Discover more info on Brad Tinker.

Gold investment and India health insurance advices? Demand for gold has also grown among investors. Many are beginning to see commodities, particularly gold, as an investment class into which funds should be allocated. In fact, SPDR Gold Trust, became one of the largest ETFs in the U.S., as well as one of the world’s largest holders of gold bullion in 2008, only four years after its inception.

Even those investors focused primarily on growth rather than steady income can benefit from choosing gold stocks that demonstrate historically strong dividend performance. Stocks that pay dividends tend to show higher gains when the sector is rising and fare better – on average, nearly twice as well – than non-dividend-paying stocks when the overall sector is in a downturn. The mining sector, which includes companies that extract gold, can experience high volatility. When evaluating the dividend performance of gold stocks, consider the company’s performance over time in regard to dividends. Factors such as the company’s history of paying dividends and the sustainability of its dividend payout ratio are two key elements to examine in the company’s balance sheet and other financial statements.

Storing physical gold has the same security threats as any cash in our house. It is equally vulnerable to theft as anything else in our house and thus, the investors have to be more cautious for their assets when investing into gold. although going for some other form of gold investment like gold ETF or fund of fund is a better way to go but this way too, you are not totally secure, you are vulnerable to internet security attacks but the difference here is that this security is threat is equally likely to happen to anyone or even everyone and even other investments too like mutual funds etc. Discover extra details on GOLD investment India.

No one likes to get hurt or fall sicks, but we never know what our destiny has plan for us, so to live a life peacefully without any stress one should opt for health insurance plan. In case one fall prey to deadly diseases like cancer or organ failure which require treatment exceeding 25 lacs and plus and no common people keep these large sums in their saving bank account or else even if someone has then also to meet the demand of medical treatment, anyhow it will drain out your savings. So considering these unforeseen situations health insurances has a become a necessity and now insurance company seeing the pandemic COVID 19 has made changes in their insurance exclusion to cover this deadly virus which does not distinguish people on the basis of rich or poor. But in case one does not hold insurance policy then definitely it will make you poor by paying expensive medical cost incurred to treat this illness.

Alf Field has been called the “world’s best gold analyst.” He is well known for his many spot-on predictions in the precious metals market and these are some of his determinations regarding the future price of gold: “In the 1970’s bull market, gold increased from a low of $35 to a peak of $850, a massive 24.3 times the low price. If the current bull market was to be of the same order, then one could project an ultimate peak of $6,221(gold’s low price in the current cycle of $256 x 24.3). Field outlined in an article back in August 2003 his conviction, which he referred to again in his concluding November 2008 article on the subject of Elliott Wave and the gold price, “that the world, and especially the USA, was heading for a major financial crisis that would be so powerful that it would overwhelm all other factors [which] I referred to as the ‘Big Kahuna’ crisis. I anticipated that the Big Kahuna would give rise to the risk of a systemic meltdown, which would result in the authorities ‘throwing money at problems’, bailing out all the banks and large corporations that got into trouble.

The country wide pension system National Pension System is an Indian federal govt-backed pension cum funding arrangement aimed at keeping the residents of India as they attain their old age. It is a authentic retirement alimony plan, in which you can get a stable salary with tax merits afterwards your retirement, and with a bit non-compulsory chance you can actually increase the returns to a fine admeasurement. What is NPS National Pension System? The Government of India has introduced the National Pension System -NPS (also called as New Pension Scheme) with effect from January 2004. CRA shall issue a Permanent Retirement Account Number – PRAN to each subscriber & maintain data base of each PRAN account along with recording transactions relating to each PRAN. See extra details on here.

Professional bathroom design provider in Bedfordshire We contacted Venus last year when we were thinking of changing our bathroom and ensuite. They showed their ideas perfectly in their designs which gave us a good idea of how our bathrooms would look like. They did a great job in the execution and we are extremely happy with the result. This year Venus also helped us with the installation of a new boiler. I can definitely recommend Venus. They keep you well informed, are very professional and do what they say they will do.

We had our Bathroom and Ensuite replaced by Venus Solutions. They took great care in doing an excellent design for us and when the work actually started they were really professional. We were kept informed at all times as to which tradesman would be arriving when and they were all on time, polite and tidied up after themselves. The standard of the work is excellent, even in the places you can’t see. I had great fun taking pictures of the work whilst it was in progress and looking back on them i can see the care taken. Venus are right at the top of our list for future projects. Find additional information on plumbing & heating Bedfordshire. We offer a complete installation service including plumbing, electrical, tiling and any structural work. Wetrooms are becoming increasingly popular due to their convenient use and the look of a completely tiled floor with no shower tray. With the flexibility to create a shower area exactly to the size you want and endless glass options there are many advantages to fitting a wetroom. We have extensive experience installing wetrooms correctly, giving you years of trouble free use.

Venus Property Solutions was formed by two likeminded tradesmen with over 50 years combined experience in various building trades including kitchens, bathrooms, heating, plumbing and electrical contracting. Bringing this experience together in one company has given us the ability to complete a wide range of projects for clients. We offer a complete project management service, which will include all aspects of your home improvements including structural alterations, plastering, electrical, plumbing/heating etc using our own in house tradesmen and our regular sub-contractors.

We believe the design of your new project is extremely important and worth putting as much effort into as possible. Our comprehensive installation experience provides us with a wealth of ideas to make your desired kitchen or bathroom become reality. Please contact us for professional advice or to book a home visit. The most common problem choosing a new kitchen or bathroom is being able to visualise how your new room will look. We provide digital 3D images of your new kitchen or bathroom making it easy to decide on your final products. See additional info on https://www.venussolutions.co.uk/.

Peranakan House perfume for fabulous presents from Singapore tours? Besides the orchid-inspired scents, Singapore Memories has also revived a range of old and heritage perfumes from Singapore’s past like the award-winning Singapore Girl! This will definitely be a meaningful souvenir to remind you of Singapore back in your home country. With a total of 38 different variants of perfumes and room fragrances, you’ll definitely find a scent that suits you! Other gifts suggestion: Salted egg products (from Irvins): Singapore-owned Irvins released various salted egg snacks a few years back which started a “salted egg revolution” in Singapore. Their halal-certified products come in different sizes and flavours (from SGD 7.50) and they are well-liked by most Singaporeans but you might have to face long queues when you head to their stores. Their products include the classic salted egg potato chips, salted egg cassava chips and their rather unique salted egg fish skin. If you love spicy food, then get yourself the hot bomb versions of their salted egg products and be prepared for an explosion of flavours in your mouth Another halal brand that’s famous for their salted egg products is Golden Duck, so do keep a lookout when you’re shopping for souvenirs!

After an $118 million refurb and rebranding job, the Singapore History Museum reopened as the National Museum of Singapore: the largest museum on the island. There are two main galleries: the Singapore History Gallery, which traces the history of Singapore from its beginnings in the fourteenth century to the present day and the Singapore Living Galleries, which focus on four lifestyle themes – food, fashion, film and photography. It’s worth a visit just for the building, an imposing neoclassical structure, complemented by modern glass additions. Shoehorning art and science into the same room and doing justice to both was always going to be a big risk. But by and large, the ArtScience Museum succeeds. Future World: Where Art Meets Science is a collaboration with Japanese art collective teamLab and features interactive experiences that are also perfect Instagram fodder.

We have been researching on Fragrant Orchids and our quest lead us to various Orchid genomes that were not only Fragrant but also Medicinal. Ancient Chinese medicine philosophy, known as the “qi” was discovered by the Yellow Emperor, father of Chinese medicine. It explores the body’s capacity to heal itself. Today’s medicines have many forms of complementary and alternative medical practices to help relieve pain. These alternative medicines have turned to the medicinal benefits of orchids discovered ages ago.

Singapore is home to beautiful Peranakan Culture. Explore the vibrant world of Peranakan heritage through this Room Fragrances. The exact origins of the Peranakans are hard to pin down. Some believe them to be descendents of Chinese immigrant traders who married local Malay women or Bataks from Sumatra in 1500’s. Others believe them to be Chinese from Admiral Zheng He’s army in 1300’s, who married local malay women. Most scholars agree that the first wave of Chinese immigrants to Malaya and Indonesia could have arrived in the 10th century, however, the practice became much more common in the 15th century. The culture originates from mixed marriage between a Chinese man and Malay/Indonesian women. This created a very unique and amazing culture with unique traditions. Initially the wives could have been slaves, but eventually things improved and equality set in. See even more details at corporate gift singapore.

You have to keep in mind that there is a strong connection between fragrances and memory. When you smell Singapore Girl your brain connects you with warm, and positive memories such as the smell of your mother or grandmother. Because of the memories, the scent invokes. Who doesn’t remember when Mister Dadi signed these iconic bottles? Ask your parents and grandparents and let them tell you how Singapore Girl Perfume was an important part of their lives. Connecting yourself to these memories is easily obtainable by wearing Singapore Girl Perfume.

Exploring Chinatown is one of the best things to do in Singapore, no matter how many times you’ve visited the city. It’s great for shopping – many swear you’ll find the cheapest souvenirs here – you’ll see all kind of important attractions and find plenty of authentic Chinese food. There are countless restaurants and hawker food vendors to choose from. Learn more about its history from the Chinatown Heritage Centre on Pagoda Street. Its main focus is on the Chinese immigrants who lived a hard life and were the main group of people who founded Singapore. Other attractions include Thian Hock Keng Temple, the oldest temple in Singapore, Buddha Tooth Relic Temple, Eu Yan Sang Chinese Medical Hall and Maxwell Road Food Centre.

The most awesome personalized souvenir from your Singapore trip is a personalized fragrance from Scent-osa. Cymbidium Bicolor Pubescens, Used in Fresh 1 (Women) for Team building Perfume workshop. Nparks website states them as “Laterally compressed with thick long leaves, up to 45cm long and 1.5cm wide. Each pendulous inflorescence not more than 25cm long, carries several fragrant flowers, each approx 2.5 to 3cm in diameter.” Cymbidium often have amazing smell, but this one is special. It’s will remind you of a lotus in water or beautiful air on the beach. Its a popular medicinal orchid. Sri Lankans call it Visa Dhooli. In china is is used to treat fractures. Find more details at here.