#most of our variety is inflated. it's just the same company performing a similar service

[ravenwolfie97]

okay can someone tell me the difference between sakuraco, bokkusu, and tokyo treat

because it seems a hell of a lot like it’s the same company with multiple different japanese snack subscription boxes just to make fake competition with itself

[yaoibunny18]

Trusted Car Extended Warranty Quote

Discover if an extended warranty is best for you by consulting with a trusted provider like us and asking the important questions regarding coverage. Get Your Free Auto Warranty Quote This is due to the fact that vehicles usually start to have mechanical issues at or around the 100,000-mile mark. If you have a high-mileage car, truck or suv. We free, customized auto warranty quote service to can help you find the very best price on premier pre-owned car warranties. Benefits of Vehicle Service Contract Your vehicle is thought about to be "brand-new" till 6,000 miles. Up till this point, your vehicle qualifies for up to 8 years/120,000 miles of factory coverage. As soon as your vehicle goes beyond 6,000, it still qualifies for the very same benefits, but the term options are minimized (coverage begins from date of service contract). Besides safeguarding your vehicle after the manufacturer's warranty ends, the best extended car warranties provide benefits such as:. Convenience: if you have an issue covered by your service contract, you'll know exactly who to contact us to get it fixed. Among the benefits you can delight in when you get a warranty from the dealer is adding the cost of the service contract to your loan. You will not notice much of a difference in your monthly payments, however you will still get the comfort that includes a vehicle service contract. Vehicle rankings by type Vehicles that are further down the quality rankings might be prone to particular repairs, so it's best to check out a vehicle's performance history and after that determine the type of additional coverage that you may need. How to Prevent Extended Car Warranty Phishing Scams Like a lot of online rip-offs, this one can be taken on if you utilize some sound judgment and don't provide personal information just because you're asked. Prevent these extended car warranty phishing frauds by knowing your car's warranty and if you are close to running out of your manufacturer's warranty and want extra protection, call a reliable place, like us, that sells car warranties. Know the History of the Vehicle It is essential that you ensure to find out the history of a car prior to you decide to buy it. Unless you are purchasing from a close friend or relative that can validate its history clearly, one of the first steps when moving towards a buy is to check the vehicle history reports. Car Buying & Pricing But there's an added layer to service contract pricing, specifically if you're buying through a dealer. Like i pointed out, the finance supervisor at a dealer will often discount the price of the service contract to sweeten the car deal (or, in many cases, they may inflate it if they think you'll purchase it at a higher price). The Very Best Utilized Car Warranty Companies: Keep Your Well-Used Vehicle Covered If the drivetrain, transmission or other parts covered under warranty give you trouble, you would not have to ante up fistfuls of cash to fix it. But what about when that warranty, provided by the manufacturer or perhaps even by the dealer, expires? is it worth looking for a brand-new warranty? or reacting to those companies that call car and truck owners out of the blue, marketing "extended warranties" for the owners of well-used cars?. Comparing Utilized Car Warranties When it pertains to extended car warranties, there are two kinds of direct providers: those that sell and administer their own contracts, and brokers who sell another company's contracts. Similar to dealers, brokers function as intermediaries in between you and extended warranty providers comparing plans from a series of partner companies on your behalf to find one that offers the coverage you require at the most inexpensive rate possible. Extended car warranties differ from company to company, which means comparing coverage boils down to what services or repairs are included and which are left out. The majority of extended car warranties fall under one of two classifications: a powertrain warranty or a bumper-to-bumper warranty. It can be challenging when comparing different car warranties for a used car. On one hand, any extended car warranty will most likely do the trick. Depending upon the age of the vehicle, nevertheless, you may find that older vehicles require specific plans that offer more coverage for powertrain and engine parts. The Very Best Utilized Warranty Providers Since this association of aftermarket parts providers has a vested interest in the ongoing sale of aftermarket parts, it has helped to keep new car manufacturers in check by effectively lobbying for legislation that prevents brand-new car dealer company from rejecting warranty coverage, for example in a seized motor, since you picked to use those trendy aftermarket carbon fiber windshield wipers instead of the oem (original equipment manufacturer) parts sold through their parts/service departments. These providers are generally reliable, however not always. However, if there is an issue (such as the warranty provider filing chapter 11, which is quite regular in the extended service contract business), the dealer might step in to cover any repairs that would have been covered under the defunct plan. Thinking About Utilized Car Warranties Auto manufacturer extended warranties and service contracts. Third party backed extended warranties and service contracts. Car repair insurance. You can find out about the third option, car repair insurance, in our car repair insurance guide. You can purchase warranties that are specific to the manufacturers. For example, you can purchase a gm extended warranty. All gm cars and trucks have a full manufacturer's warranty for a regard to 3 years and 36,000 miles. Best Comprehensive Utilized Car Warranty Also the extended warranties these online companies offer are more comprehensive and provide more benefits than what a dealer needs to offer. After evaluating numerous online warranty companies offered on the web, i suggest complete car warranty. When you're shopping for the very best extended car warranty services, you're most likely searching for options. We provide multiple tiers of coverage: supreme, superior, safe and secure, and select premier. These plans cover numerous systems within your vehicle, varying from your engine to transmission, with more comprehensive plans covering whatever from brakes to a/c, and almost whatever in between. Best Worth Used Car Warranty Rounding out the list of best extended car warranty companies is concord auto protect. We offer both service and repair contracts to car owners based upon the age and mileage of their vehicle. How much does a secondhand car warranty in fact cost? This means that these two vehicles will probably not receive the same policy which means they would each have a various extended car warranty cost. In general, the average extended car warranty cost ranges from $350-$700 each year, but everyone and policy is various. In general, the average extended car warranty cost varieties from $350-$700 annually, however everyone and policy are different. When your car needs repair work and you don't have coverage, the mechanic will require payment in full. It is't required, especially if you are fine with spending for repairs and services out of pocket, but an extended warranty for a used car can help reduce your costs.

[you-deserve-much-more-than-me]

Relied On Car Extended Warranty Quote

Find out if an extended warranty is ideal for you by talking with a trusted provider like us and asking the important concerns relating to coverage. Get Your Free Auto Warranty Quote This is due to the fact that cars and trucks typically start to have mechanical issues at or around the 100,000-mile mark. If you have a high-mileage car, truck or suv. We free, personalized auto warranty quote service to can help you find the very best price on top-rated secondhand car warranties. Benefits of Vehicle Service Contract Your vehicle is considered to be "brand-new" until 6,000 miles. Up until this point, your vehicle gets approved for as much as 8 years/120,000 miles of factory coverage. Once your vehicle surpasses 6,000, it still qualifies for the very same benefits, however the term options are decreased (coverage begins from date of service contract). Besides protecting your vehicle after the manufacturer's warranty expires, the best extended car warranties provide benefits such as:. Benefit: if you have actually an issue covered by your service contract, you'll understand precisely who to contact us to get it repaired. One of the benefits you can enjoy when you get a warranty from the car dealership is including the cost of the service contract to your loan. You will not notice much of a difference in your monthly payments, but you will still get the assurance that comes with a vehicle service contract. Vehicle rankings by type Vehicles that are even more down the quality rankings might be susceptible to particular repairs, so it's finest to have a look at a vehicle's performance history and then determine the type of extra coverage that you might require. How to Prevent Extended Car Warranty Phishing Scams Like a lot of online frauds, this one can be tackled if you make use of some sound judgment and don't provide personal info even if you're asked. Avoid these extended car warranty phishing frauds by knowing your car's warranty and if you are close to lacking your manufacturer's warranty and want extra protection, call a credible place, like us, that sells car warranties. Know the History of the Vehicle It is very important that you ensure to discover the history of a car before you choose to buy it. Unless you are buying from a close friend or relative that can validate its history clearly, one of the first steps when moving towards a buy is to check the vehicle history reports. Car Buying & Rates But there's an added layer to service contract prices, especially if you're buying through a dealer. Like i mentioned, the finance supervisor at a dealership will typically mark down the price of the service contract to sweeten the car deal (or, sometimes, they may inflate it if they think you'll purchase it at a higher price). The Best Used Car Warranty Companies: Keep Your Well-Used Vehicle Covered If the drivetrain, transmission or other components covered under warranty give you problem, you wouldn't have to ante up fistfuls of cash to repair it. However what about when that warranty, supplied by the manufacturer or possibly even by the dealer, ends? is it worth looking for a brand-new warranty? or reacting to those companies that call car and truck owners out of the blue, marketing "extended warranties" for the owners of well-used lorries?. Comparing Used Car Warranties When it comes to extended car warranties, there are 2 types of direct providers: those that sell and administer their own contracts, and brokers who sell another company's contracts. Similar to dealers, brokers serve as intermediaries between you and extended warranty providers comparing plans from a variety of partner companies on your behalf to find one that supplies the coverage you need at the most budget-friendly rate possible. Extended car warranties vary from company to company, which means comparing coverage comes down to what services or repair work are included and which are left out. Most extended car warranties fall under one of 2 categories: a powertrain warranty or a bumper-to-bumper warranty. It can be difficult when comparing various car warranties for an utilized car. On one hand, any extended car warranty will most likely work. Depending on the age of the vehicle, however, you may find that older lorries require specific plans that offer more coverage for powertrain and engine parts. The Best Utilized Warranty Providers Since this association of aftermarket parts providers has a beneficial interest in the continued sale of aftermarket parts, it has helped to keep brand-new car manufacturers in check by successfully lobbying for legislation that avoids brand-new car dealer service providers from rejecting warranty coverage, for example in a taken motor, since you chose to use those trendy aftermarket carbon fiber windscreen wipers rather of the oem (original equipment manufacturer) parts sold through their parts/service departments. These providers are generally reliable, but not always. Nevertheless, if there is an issue (such as the warranty provider filing chapter 11, which is quite frequent in the extended service contract business), the dealer might action in to cover any repair work that would have been covered under the defunct plan. Considering Used Car Warranties Auto manufacturer extended warranties and service contracts. 3rd party backed extended warranties and service contracts. Car repair insurance. You can discover the 3rd option, car repair insurance, in our car repair insurance guide. You can buy warranties that specify to the manufacturers. For instance, you can purchase a gm extended warranty. All gm cars and trucks have a full manufacturer's warranty for a term of 3 years and 36,000 miles. Finest Comprehensive Utilized Car Warranty Also the extended warranties these online companies offer are more comprehensive and provide more benefits than what a dealer has to offer. After examining lots of online warranty companies readily available on the web, i suggest complete car warranty. When you're looking for the very best extended car warranty services, you're more than likely searching for options. We offer multiple tiers of coverage: supreme, exceptional, secure, and select premier. These plans cover different systems within your vehicle, ranging from your engine to transmission, with more comprehensive plans covering whatever from brakes to a/c, and almost whatever in between. Best Value Used Car Warranty Completing the list of finest extended car warranty companies is concord auto protect. We provide both service and repair contracts to car owners based on the age and mileage of their vehicle. Just how much does a secondhand car warranty in fact cost? This means that these 2 vehicles will probably not qualify for the very same policy which means they would each have a different extended car warranty cost. In general, the average extended car warranty cost varieties from $350-$700 per year, but every person and policy is different. In general, the average extended car warranty cost ranges from $350-$700 annually, but every person and policy are various. When your car requires repair work and you don't have coverage, the mechanic will require payment in full. It is't required, especially if you are okay with spending for repair work and services expense, however an extended warranty for an utilized car can help reduce your costs.

[rohitch]

Cryptocurrency Trading Guide For Beginners

Cryptocurrency Trading

Trading is the standard practice of transacting that involves money, a valuable asset, or a commodity. The world economy relies upon the phenomena. It dictates the prices of every entity, which is in demand or otherwise. Contemplating the similar behaviour in cryptocurrency, the mode of transaction and trading in cryptocurrency is understandable.

Need of cryptocurrency

The basis of any invention or discovery is the need. If it works in tandem with human welfare, acceptance is the subject matter of time. To serve the concern of the digital economy and its far-reaching effects on humanity, it came into existence. Besides, keeping safety the priority, the crypto form of the digital economy is finding places in people’s hearts.

Precisely, it is the way ahead and mode of keeping your hard-earned money within the purview of your pockets. Thieves can have no claim on it.

What is the utility of crypto trading?

It is a question that validates the importance of cryptocurrency trading. Why did the need arise? What was the requirement to jump on it from the conventional and traditional stocks and commodity market trading?

One answer that suffices it all is the responsive feature. It is time that we all are running short. In that way, stocks take a longer duration to fit in your portfolio. On the other hand, cryptocurrency is right there in your account within a few minutes.

For now, crypto trading is a decentralised entity. No government, authority, and administration control it. The liberty that it warrants makes it an attractive option for users.

Stocks and commodities have to follow the rules and regulations. It abides by the laws of a nation. So, companies listed in stock markets across the world have a governing body regulating them.

Whereas cryptocurrency does not depend on outside dynamics. It has its own set of advanced computer mechanisms, networks, and software running it.

The technology heads it ahead of other volatile markets. And security features are a given.

Mechanism of cryptocurrency

It relies on cryptography for verifying each transaction. It is posing as an alternative form of economy for many. However, for now, it overtly depends upon the third party as the means of exchange. The deduction in the overall value of amount hurts the prospects.

Banks may take a day or more to acknowledge receiving the payment. It causes inconvenience.

Though, Bitcoin is one such cryptocurrency that delivers on all the doubts. Its optimum transparency technology can help cut down on corruption and help in mitigating inflation.

Cryptocurrency trading for beginners

Before we invest our time, energy, and money in anything, proper research does not harm. And beginners should remain wary enough before initiating a step. In-depth research, study, and investigation can pave the way for understanding the dynamics of this trading.

Steps aiding you to deal in the game of crypto trading

Beginners need to be cautious about every stepping stone. They should consider noting down their activities in a diary. This exercise enriches their experiences and teaches them a lesson.

Write down all your passwords, URLs, login credentials, confidential information regarding your crypto wallet.

As you are new to the game, make sure to invest in the blue-chip or the best prospects.

Do not store your password on a browser or your login manager or devices that have access to the internet.

Violating the above step can make you easy prey for hackers, so watch out.

Long and convoluted passwords are saviours for life. It applies handsomely for everyone.

To keep up with the first line of defence, take up complex questions and answer them likewise.

Sanitise your system before making any transaction on it. A single malware or virus can lead to mayhem.

Make exchanges from official currencies to deny any cheating.

Using the same password for other accounts can dupe you.

Platforms assisting cryptocurrency trading

Cryptocurrency trading platforms help you in buying and selling of your favourite virtual currency. Here will we shed light on the best performing platforms that are ruling the chores of the trade.

Bitfinex:-This platform plays on its user-interface acceptability. It is the tipping point that attracts a vast footprint. Its support to all renowned virtual or cryptocurrencies makes it a good prospect for traders. The less time lag allows here, allows the buyer to get hold of the entity in a budget. Though, not everything here is hunky-dory. The threat of security looms large. It has a past of landing in the hands of hackers.

Coinbase:-  It is one of those platforms that trends Bitcoin. People lay their faith in it without inhibitions. It comes packed with multiple features that work in favour of buyers, sellers, lookers, learners, beginners, technicians and everyone involved in it. Folks keep it on their priority because of unbreachable security features and acceptance of money from a plethora of wallets. It offers a fantastic buying limit at a low cost. What else would a beginner want? Despite heavy traffic, it manoeuvres your transaction in no time.

Change now:- If you are willing not to take too much botheration, then the platform serves the purpose effectively. Sign-up is not required for an account opening here. It is a tailor-made space for those who want everything quickly. They provide 24 hours support for 365 days a year. No extra penny gets charged for a transaction. The artificial intelligence-enabled element in it informs the best buys regularly.

Poloniex:- It is gaining momentum in the hearts of people because of the deliverables. Investors are finding their friend on the platform due to high exchange and volumes in some cryptocurrencies. It provides seamless trading to its clients. The platform can store the data in offline mode also, which adds to the security purpose—Poloniex strategies its ideas with algorithmic technology to serve people with better chances of earning.

Changelly:- People who wish to keep their identity under wraps or conceal it, the platform assists them in doing so. The trading finds its initiation through an email, and it makes everything hassle-free. It is accessible to all from across the globe. So, the universal appeal is translating into positive word of mouth. It has the potential to convert cryptocurrencies using other applications. Clients can use it as a widget also. Changelly does not have any limitations cap to man it.

Kraken:- This website works on leveraging the user experience through its simplified and super responsive features. It offers solutions to all types of traders who visit Kraken. The site provides plans that are accessible for beginners to veterans, coupled with flawless customer support. The enchanting services that it swears by have cut short the possibility of fraudulent to bare minimum.

Bittrex:-The platform is revolutionising the dynamics of trades by enhancing public perceptions. It stands out in standards in terms of technology trading cryptocurrency market. The resourcefulness in the stream transactional capacity and faith of customers has led it to become one of the finest. It is one of the rarest sites that allow third party intervention through API. Digital wallets, advanced blockchain technology, swift transactions, and focus on security concerns make it viable.

How to go about trading in the cryptocurrency market?

As others would mention, there is no rocket science to it. You should take your chance but wisely. Consider the virtual currency market as some traffic signal. Stop when it is reds (dipping furiously), get your funds in yellow, and in green just invest.

There are no rules for guessing, and you have to be patient with your greedy appetite. An appetiser in these scenarios should quench your thirst. Quest for more significant profits can cast troubles.

Some of the essential tips that one pay heed to:-

Rewards and risks may seem synonymous with each other. There is a thin line manning both intentions. So, never invest more than you can lose.

Averaging your portfolio from time to time is advisable to learn tricks of the trade.

Do not hesitate to make small profits.

Greed takes a toll on your wealth. So, be wise and exit while the crypto market is surging.

Do not make a significant investment at once. Take your time and picture the volatility, fundamentals, and fluctuations.

Unlike stock markets, cryptocurrencies trade for twenty-four hours a day and three sixty-five days a year. This phenomenon makes it highly unpredictable.

Eye bitcoin:-If you are willing to scale heights in the market, then you must keep a tab on how bitcoin performs. The reason for it is that most of the crypto or virtual currencies get traded using bitcoin. If it is on the rise, the market shows signs of a surge, else it slips.

Small portion investment:-You cannot gulp the entire food at once. Small portions intake with some variety helps in better digestion and taste, of course. Similarly, investing your money on a single virtual currency can incur losses. It can cause a deficiency in the wallet and your account. For result-oriented and profitable outcomes, invest in a few currencies. If one causes you some loss, who knows the other one can provide you with some respite. It is like being mindful.

Important categorisation:-While putting yourself into research, categorisation plays a pivotal role. You come across relatively volatile coins, which have limited volumes but enormous fluctuations. There are some that trail with great publicity and fall short on delivery point. A few currencies seem right for the future, holding them for long-term is profitable. Bifurcate or categorise them to create a balance in your investments.

Do not Panic:-Beginners tend to feel helpless when markets shatter. These are the testing times. Have patience, consider them as an opportunity for calculated investment. That can result in a profitable venture. Correction or dip in the market is like rain for farmers. You can sow the seeds and wait for good crops. Here your calm works as the sunlight to ream them.

Put a stop loss:-Initially, when you are susceptible and vulnerable regarding your coins’ performance, put a barrier. It is known as stop-loss in the technical term. If you do not want to hold a coin for a longer time and it’s dipping, put a stop-loss on a specific price. Once it touches that, you’ll exit automatically, as your asset gets sold. That can save you from incurring heavy losses.

If you are a fresher and thinking of getting into the unknown waters of cryptocurrency trading, just do it. Never have two thoughts once you decide to experience something new. Research about it, learn from other’s mistakes, analyse, check the volumes and see the past. Take one step at a time. Once you claim expertise in the domain, I’m sure that you will over time, experiment. Once you make profits, keep your invested money on the shelf and use it instead for future transactions. And pass on the sound advice.

[helloamalialabradorposts]

Trusted Car Extended Warranty Quote

Discover if an extended warranty is ideal for you by consulting with a relied on provider like us and asking the important concerns relating to coverage. Get Your Free Auto Warranty Quote This is due to the fact that cars normally start to have mechanical issues at or around the 100,000-mile mark. If you have a high-mileage car, truck or suv. We free, tailored auto warranty quote service to can assist you find the best price on premier used car warranties. Benefits of Vehicle Service Contract Your vehicle is thought about to be "new" till 6,000 miles. Up till this point, your vehicle gets approved for up to 8 years/120,000 miles of factory coverage. When your vehicle goes beyond 6,000, it still gets approved for the very same benefits, however the term options are decreased (coverage begins from date of service contract). Besides protecting your vehicle after the manufacturer's warranty expires, the very best extended car warranties provide benefits such as:. Convenience: if you have actually an issue covered by your service contract, you'll understand exactly who to call to get it repaired. One of the benefits you can take pleasure in when you get a warranty from the car dealership is including the cost of the service contract to your loan. You won't notice much of a distinction in your monthly payments, however you will still get the assurance that comes with a vehicle service contract. Vehicle rankings by type Cars and trucks that are even more down the quality rankings might be prone to particular repair work, so it's best to take a look at a vehicle's performance history and after that determine the kind of extra coverage that you might need. How to Avoid Extended Car Warranty Phishing Scams Like a lot of online rip-offs, this one can be taken on if you make use of some good sense and do not provide personal information just because you're asked. Avoid these extended car warranty phishing scams by knowing your car's warranty and if you are close to running out of your manufacturer's warranty and want additional protection, call a trustworthy place, like us, that offers car warranties. Know the History of the Vehicle It is necessary that you make certain to discover the history of a car prior to you choose to purchase it. Unless you are buying from a friend or relative that can validate its history clearly, one of the first steps when moving towards a buy is to check the vehicle history reports. Car Purchasing & Pricing But there's an added layer to service contract prices, particularly if you're purchasing through a dealer. Like i mentioned, the finance manager at a car dealership will often discount the price of the service contract to sweeten the car deal (or, in some cases, they may inflate it if they think you'll buy it at a higher price). The Very Best Utilized Car Warranty Companies: Keep Your Well-Used Vehicle Covered If the drivetrain, transmission or other components covered under warranty give you problem, you would not have to ante up fistfuls of cash to fix it. However what about when that warranty, supplied by the manufacturer or possibly even by the dealer, ends? is it worth searching for a brand-new warranty? or responding to those companies that call car and truck owners out of the blue, marketing "extended warranties" for the owners of well-used vehicles?. Comparing Used Car Warranties When it pertains to extended car warranties, there are 2 kinds of direct providers: those that sell and administer their own contracts, and brokers who sell another company's contracts. Similar to dealers, brokers function as intermediaries in between you and extended warranty providers comparing plans from a range of partner companies in your place to find one that offers the coverage you need at the most cost effective rate possible. Extended car warranties vary from company to company, which means comparing coverage comes down to what services or repair work are included and which are omitted. A lot of extended car warranties fall under one of two categories: a powertrain warranty or a bumper-to-bumper warranty. It can be hard when comparing various car warranties for a used car. On one hand, any extended car warranty will more than likely work. Depending upon the age of the vehicle, nevertheless, you may find that older lorries require specific plans that offer more coverage for powertrain and engine parts. The Best Used Warranty Providers Because this association of aftermarket parts providers has a vested interest in the continued sale of aftermarket parts, it has actually assisted to keep new car manufacturers in check by effectively lobbying for legislation that avoids new car dealership provider from denying warranty coverage, for instance in a taken motor, due to the fact that you selected to utilize those trendy aftermarket carbon fiber windshield wipers rather of the oem (original equipment manufacturer) parts sold through their parts/service departments. These providers are generally reliable, however not always. However, if there is an issue (such as the warranty provider filing chapter 11, which is rather frequent in the extended service contract business), the dealer may action in to cover any repairs that would have been covered under the defunct plan. Thinking About Used Car Warranties Auto manufacturer extended warranties and service contracts. 3rd party backed extended warranties and service contracts. Car repair insurance. You can find out about the third option, car repair insurance, in our car repair insurance guide. You can buy warranties that specify to the manufacturers. For example, you can buy a gm extended warranty. All gm cars and trucks and trucks have a full manufacturer's warranty for a regard to 3 years and 36,000 miles. Best Comprehensive Utilized Car Warranty Likewise the extended warranties these online companies offer are more comprehensive and provide more benefits than what a dealer has to offer. After evaluating lots of online warranty companies available on the web, i advise complete car warranty. When you're shopping for the best extended car warranty services, you're most likely looking for options. We offer numerous tiers of coverage: supreme, exceptional, secure, and choose premier. These plans cover numerous systems within your vehicle, ranging from your engine to transmission, with more comprehensive plans covering everything from brakes to cooling, and nearly everything in between. Best Worth Utilized Car Warranty Rounding out the list of finest extended car warranty companies is concord auto protect. We offer both service and repair contracts to car owners based on the age and mileage of their vehicle. How much does a secondhand car warranty really cost? This means that these 2 automobiles will most likely not receive the very same policy which means they would each have a different extended car warranty cost. In general, the average extended car warranty cost ranges from $350-$700 annually, but everyone and policy is various. In general, the average extended car warranty cost varieties from $350-$700 annually, but everyone and policy are various. When your car requires repair work and you do not have coverage, the mechanic will require payment in full. It is't required, specifically if you are alright with spending for repair work and services out of pocket, but an extended warranty for a used car can help reduce your costs.

[zanyladydream]

Relied On Car Extended Warranty Quote

Learn if an extended warranty is right for you by talking with a relied on provider like us and asking the important concerns regarding coverage. Get Your Free Auto Warranty Quote This is because vehicles generally start to have mechanical issues at or around the 100,000-mile mark. If you have a high-mileage car, truck or suv. We free, customized auto warranty quote service to can help you find the very best price on top-rated used car warranties. Benefits of Vehicle Service Contract Your vehicle is thought about to be "new" until 6,000 miles. Up until this point, your vehicle receives approximately 8 years/120,000 miles of factory coverage. As soon as your vehicle surpasses 6,000, it still receives the same benefits, but the term options are reduced (coverage starts from date of service contract). Besides protecting your vehicle after the manufacturer's warranty ends, the best extended car warranties provide benefits such as:. Benefit: if you have an issue covered by your service contract, you'll know exactly who to contact us to get it repaired. Among the benefits you can take pleasure in when you get a warranty from the dealership is adding the cost of the service contract to your loan. You will not notice much of a distinction in your monthly payments, but you will still get the comfort that includes a vehicle service contract. Vehicle rankings by type Vehicles that are further down the quality rankings may be vulnerable to specific repair work, so it's best to take a look at a vehicle's performance history and then determine the kind of extra coverage that you may require. How to Avoid Extended Car Warranty Phishing Scams Like most online scams, this one can be taken on if you use some good sense and don't provide personal info even if you're asked. Prevent these extended car warranty phishing frauds by knowing your car's warranty and if you are close to running out of your manufacturer's warranty and desire additional protection, call a trustworthy place, like us, that sells car warranties. Know the History of the Vehicle It is very important that you make certain to learn the history of a car prior to you decide to buy it. Unless you are purchasing from a close friend or relative that can verify its history plainly, one of the initial steps when moving towards a buy is to check the vehicle history reports. Car Purchasing & Pricing But there's an added layer to service contract pricing, especially if you're purchasing through a dealer. Like i discussed, the finance supervisor at a dealer will often discount the price of the service contract to sweeten the car deal (or, in some cases, they may inflate it if they think you'll purchase it at a higher price). The Best Used Car Warranty Companies: Keep Your Well-Used Vehicle Covered If the drivetrain, transmission or other components covered under warranty give you trouble, you would not have to ante up fistfuls of cash to fix it. But what about when that warranty, supplied by the manufacturer or maybe even by the dealer, expires? is it worth searching for a brand-new warranty? or reacting to those companies that call car and truck owners out of the blue, marketing "extended warranties" for the owners of well-used vehicles?. Comparing Used Car Warranties When it comes to extended car warranties, there are 2 types of direct providers: those that sell and administer their own contracts, and brokers who sell another company's contracts. Similar to dealers, brokers serve as intermediaries between you and extended warranty providers comparing plans from a range of partner companies on your behalf to find one that supplies the coverage you need at the most inexpensive rate possible. Extended car warranties vary from company to company, which means comparing coverage boils down to what services or repair work are included and which are excluded. A lot of extended car warranties fall under one of 2 categories: a powertrain warranty or a bumper-to-bumper warranty. It can be hard when comparing various car warranties for an utilized car. On one hand, any extended car warranty will most likely suffice. Depending upon the age of the vehicle, nevertheless, you may find that older automobiles require specific plans that offer more coverage for powertrain and engine parts. The Best Used Warranty Providers Because this association of aftermarket parts providers has a beneficial interest in the continued sale of aftermarket parts, it has helped to keep new car manufacturers in check by successfully lobbying for legislation that prevents brand-new car dealership company from denying warranty coverage, for example in a seized motor, since you chose to use those trendy aftermarket carbon fiber windscreen wipers instead of the oem (original equipment manufacturer) parts sold through their parts/service departments. These providers are generally reliable, however not constantly. Nevertheless, if there is an issue (such as the warranty provider filing chapter 11, which is quite regular in the extended service contract business), the dealer may step in to cover any repairs that would have been covered under the defunct plan. Considering Utilized Car Warranties Auto manufacturer extended warranties and service contracts. 3rd party backed extended warranties and service contracts. Car repair insurance. You can discover the 3rd option, car repair insurance, in our car repair insurance guide. You can buy warranties that are specific to the manufacturers. For instance, you can buy a gm extended warranty. All gm automobiles and trucks have a full manufacturer's warranty for a term of 3 years and 36,000 miles. Best Comprehensive Utilized Car Warranty Likewise the extended warranties these online companies offer are more comprehensive and provide more benefits than what a dealer needs to offer. After examining numerous online warranty companies readily available on the web, i advise complete car warranty. When you're looking for the very best extended car warranty services, you're more than likely trying to find options. We offer numerous tiers of coverage: supreme, superior, safe and secure, and select premier. These plans cover various systems within your vehicle, ranging from your engine to transmission, with more comprehensive plans covering whatever from brakes to air conditioning, and nearly everything in between. Best Value Used Car Warranty Completing the list of best extended car warranty companies is concord auto protect. We offer both service and repair contracts to car owners based on the age and mileage of their vehicle. Just how much does a used car warranty really cost? This means that these 2 automobiles will most likely not get approved for the same policy which means they would each have a various extended car warranty cost. In general, the average extended car warranty cost ranges from $350-$700 annually, but everyone and policy is various. In general, the average extended car warranty cost varieties from $350-$700 per year, but everyone and policy are various. When your car requires repair work and you don't have coverage, the mechanic will require payment in full. It is't required, especially if you are all right with paying for repair work and services out of pocket, however an extended warranty for a used car can help reduce your costs.

[amalialabrador]

Trusted Car Extended Warranty Quote

Learn if an extended warranty is ideal for you by consulting with a relied on provider like us and asking the important concerns regarding coverage. Get Your Free Auto Warranty Quote This is since automobiles typically start to have mechanical issues at or around the 100,000-mile mark. If you have a high-mileage car, truck or suv. We free, personalized auto warranty quote service to can assist you find the best price on top-rated secondhand car warranties. Benefits of Vehicle Service Contract Your vehicle is considered to be "brand-new" till 6,000 miles. Up up until this point, your vehicle receives up to 8 years/120,000 miles of factory coverage. When your vehicle surpasses 6,000, it still gets approved for the exact same benefits, however the term options are lowered (coverage starts from date of service contract). Besides safeguarding your vehicle after the manufacturer's warranty expires, the very best extended car warranties provide benefits such as:. Benefit: if you have an issue covered by your service contract, you'll know precisely who to call to get it repaired. One of the benefits you can delight in when you get a warranty from the dealer is adding the cost of the service contract to your loan. You won't notice much of a distinction in your monthly payments, but you will still get the peace of mind that comes with a vehicle service contract. Vehicle rankings by type Automobiles that are even more down the quality rankings may be susceptible to specific repairs, so it's finest to take a look at a vehicle's performance history and then determine the type of additional coverage that you might need. How to Avoid Extended Car Warranty Phishing Scams Like a lot of online scams, this one can be taken on if you make use of some good sense and do not provide personal details just because you're asked. Prevent these extended car warranty phishing frauds by understanding your car's warranty and if you are close to lacking your manufacturer's warranty and want extra protection, call a trustworthy place, like us, that offers car warranties. Know the History of the Vehicle It is important that you ensure to find out the history of a car prior to you decide to buy it. Unless you are purchasing from a buddy or relative that can confirm its history clearly, one of the initial steps when moving towards a buy is to check the vehicle history reports. Car Purchasing & Rates But there's an added layer to service contract pricing, especially if you're purchasing through a dealer. Like i pointed out, the finance supervisor at a dealer will frequently discount the price of the service contract to sweeten the car deal (or, in many cases, they might inflate it if they believe you'll buy it at a higher price). The Very Best Utilized Car Warranty Companies: Keep Your Well-Used Vehicle Covered If the drivetrain, transmission or other elements covered under warranty give you difficulty, you would not have to ante up fistfuls of cash to fix it. But what about when that warranty, supplied by the manufacturer or perhaps even by the dealer, expires? is it worth looking for a new warranty? or reacting to those companies that call car and truck owners out of the blue, marketing "extended warranties" for the owners of well-used cars?. Comparing Used Car Warranties When it comes to extended car warranties, there are two types of direct providers: those that sell and administer their own contracts, and brokers who sell another company's contracts. Similar to dealers, brokers act as intermediaries between you and extended warranty providers comparing plans from a range of partner companies on your behalf to find one that supplies the coverage you require at the most affordable rate possible. Extended car warranties differ from company to company, which means comparing coverage boils down to what services or repair work are included and which are left out. The majority of extended car warranties fall under one of two categories: a powertrain warranty or a bumper-to-bumper warranty. It can be hard when comparing different car warranties for a used car. On one hand, any extended car warranty will more than likely suffice. Depending upon the age of the vehicle, however, you might find that older vehicles require specific plans that offer more coverage for powertrain and engine parts. The Best Utilized Warranty Providers Because this association of aftermarket parts suppliers has a beneficial interest in the ongoing sale of aftermarket parts, it has actually assisted to keep new car manufacturers in check by effectively lobbying for legislation that prevents brand-new car dealer provider from rejecting warranty coverage, for instance in a taken motor, due to the fact that you picked to use those snazzy aftermarket carbon fiber windscreen wipers instead of the oem (original equipment manufacturer) parts sold through their parts/service departments. These providers are generally credible, however not always. Nevertheless, if there is an issue (such as the warranty provider filing chapter 11, which is quite frequent in the extended service contract business), the dealer may step in to cover any repairs that would have been covered under the defunct plan. Considering Utilized Car Warranties Auto manufacturer extended warranties and service contracts. 3rd party backed extended warranties and service contracts. Car repair insurance. You can find out about the 3rd option, car repair insurance, in our car repair insurance guide. You can buy warranties that specify to the manufacturers. For instance, you can purchase a gm extended warranty. All gm vehicles and trucks have a full manufacturer's warranty for a regard to 3 years and 36,000 miles. Best Comprehensive Used Car Warranty Also the extended warranties these online companies offer are more comprehensive and provide more benefits than what a dealer has to offer. After evaluating lots of online warranty companies readily available on the internet, i recommend complete car warranty. When you're looking for the best extended car warranty services, you're more than likely searching for options. We provide several tiers of coverage: supreme, exceptional, protected, and select premier. These plans cover numerous systems within your vehicle, ranging from your engine to transmission, with more comprehensive plans covering whatever from brakes to cooling, and nearly everything in between. Finest Worth Used Car Warranty Rounding out the list of finest extended car warranty companies is concord auto protect. We offer both service and repair contracts to car owners based upon the age and mileage of their vehicle. How much does a used car warranty actually cost? This means that these two cars and trucks will probably not qualify for the same policy which means they would each have a different extended car warranty cost. In general, the average extended car warranty cost varieties from $350-$700 per year, but everyone and policy is different. In general, the average extended car warranty cost ranges from $350-$700 annually, however every person and policy are various. When your car needs repair work and you do not have coverage, the mechanic will require payment in full. It is't required, specifically if you are alright with paying for repair work and services out of pocket, however an extended warranty for an utilized car can help in reducing your costs.

[infradapt]

Technology: Then and Now

Technology gives business owners opportunities to expand, and essentially has become the center of most business practices. Marketing, customer contact, all sorts of inter and intra communication methods now depend heavily on technology. Let’s take a look at what the past has brought, and what the future could bring us.

Before we discuss what the last decade brought us, I wanted to remind everyone just how limitless innovations are. Many years ago, many of these inventions or technologies seemed unrealistic for the times.

Let’s go through the past decade’s biggest hits, as well as what we might see in years to come. 2010: When Innovation Thrived While many technologies were introduced in the 2000s, the 2010s saw these technologies used in bigger, more innovative ways. Let’s take a brief look at the past ten years and what improvements we saw. 4G While 4G was actually first developed in 2009, but primarily spreading in the early 2010s, 4G wireless changed the capabilities of wireless data transmission. As a result, further innovations were made, encouraging (and sometimes forcing) technologies to improve. The companies that worked in real-time and heavily depended on application deployment were suddenly given the tools they needed to really take root. Furthermore, 4G was responsible for the viability of many of today’s biggest players, including Spotify, Instagram, Uber, and Snapchat – among many others. Apple iPad Can you believe that the iPad has only been around for about a decade? It was the first of many mass-produced consumer tablets, and it took other companies a few years to catch up as they followed Apple’s lead. Powered by iOS, and featuring a large screen, the explosive initial sales of the iPad cemented the tablet’s reputation as a useful device, both at home and in the workplace. IPv6 In June of 2012, the longstanding wireless networking standard was upgraded for the first time in years. This sixth standard allowed a new age of connectivity, permitting a far larger number of devices to be connected to the Internet. Chromecast As we suggested in the section on 4G, streaming was growing in popularity, and it is safe to say that the first Chromecast was partially responsible for that. While it may seem practically ubiquitous today, integrated casting was revolutionary upon its release… and in many ways, it changed how businesses could communicate ideas. Conference rooms everywhere are now equipped to work with this (or similar) technologies. Virtual Assistants Today, every major technology brand has its own take on the virtual assistant. Apple has the OG – Siri – while Microsoft has Cortana, Google has its Google Assistant, Amazon has Alexa, and Samsung has Bixby. As such, the development of this technology spurred a new competitive spirit among these rivals, to the benefit of the user. With all of these companies working to create advanced, better assistants to sway consumers, machine learning has improved exponentially through these efforts. USB-C Despite largely flying under the radar, one of the most impactful advancements of the decade is the development of the USB Type C connector. With the exception of Apple, it has been accepted as the industry’s standard connection for power and data transmission, and can therefore be found on most post-2015 devices. Windows 10 As they attempted to put together a mobile OS, and their redesigned Windows 8.1 OS failing to replace the aging Windows 7, Windows 10 was developed to standardize the Windows experience and modernize it for longevity. Now, Windows 10 has been established as the standard, running on 64 percent of all PCs in existence, a number that will grow even higher as Windows 7 is finally put out to pasture. 2020: When Things Will Thrive While there is an argument that, technically speaking, the Internet of Things is more of a 2010s development, the 2020s are poised to be the decade that Internet-connected devices are truly viable tools, with the necessary integrations, functionality, and (most critically) security finally in place. This is predicted much for the same reason that mobile technology took off last decade – the fact that wireless networks improved.

Frankly, there’s so much more we have yet to accomplish, as the near future is poised to turn what was very recently science fiction into fact. For instance, the next 10 years will likely see the following technologies come more into the mainstream: 5G Connectivity With certain areas currently rolling out the 5G wireless standard, and more guaranteed to follow, there is hope of a fundamental shift in how people can use their technology. As if today’s networks weren’t already burdened by our data demands, we are only increasing these demands as time passes. However, 5G potentially promises a variety of benefits – including ubiquitous access, powered by broadcast sites that focus on delivering performance to each user rather than to a given neighborhood. Today’s 5G users have experienced speeds measured in gigabits, so just imagine this capability spreading. Artificial Intelligence While the phrase “artificial intelligence” has been somewhat inflated by popular culture, the more practical use of artificial intelligence is slated to increase by a significant amount in the 2020s. Today, neural networks are already in use as a means to recognize data patterns, assisting in automation processes. With the amount of data increasing exponentially, these neural networks are bound to see exponential benefits, and we will be able to put AI to use in more complex and dynamic applications. The IoT Like we said, the Internet of Things is only going to grow as time passes, and the many technologies and solutions that are included under this umbrella term will finally have the wireless capabilities needed to make a real impact. Cities will be made smart, using AI to increase the efficiency of crucial services and eliminate waste. Driverless cars will make commuting and traveling safer, and crucial systems in finance, healthcare, and infrastructure will be improved. Mixed Reality There has been a notable trend toward increasing how immersive our technology is, and that will culminate in something known as mixed reality. As the predicted replacement to today’s mobile platforms, MR would provide interactive overlays in real-time for all kinds of applications, ultimately reducing data strains. As a result, we could see a variety of applications be completely revolutionized, including education, entertainment, and social interaction.

Just as it did throughout the last decade, technology is sure to transform throughout the coming one. What innovations do you hope to see? Let us know in the comments!

https://www.infradapt.com/news/technology-then-and-now/

[kennethherrerablog]

How to Invest Even if You Have No Idea Where to Start

Let’s be honest: Investing is kind of scary.

The stock market itself is difficult to understand — you earn money by spending money? And it’s not even necessarily real money, but this virtual number that moves and shifts on a moment-to-moment basis?

Seriously, who thinks this is a good idea?

Well, as it turns out, just about every single financial professional — as well as the army of everyday people who’ve used the power of compound interest to fund major financial goals, like home ownership and retirement.

There’s a reason a 401(k) account is one of the most common workplace perks: You pretty much need to invest if you’re going to build a big enough nest egg to one day throw in the towel.

Investing is also one of the easiest ways to earn passive income — that is, making money without putting in any extra hours at work. Once you set up your investment portfolio, it takes relatively little management to see significant returns: The average investor has seen 10% growth annually over the last hundred years.

So what’s the best way to get started with your own investments? And what do you need to know before you take the big leap? Is it actually possible to start an investment portfolio from a smartphone app, and should you?

Hang on tight, Penny Hoarders. We’re going to dive into all of that and more.

Getting Started: What is Investing?

Before we dig into the nitty-gritty of how to get started on your own investments, let’s clarify some basic terms.

Investing is spending money on something — be it a share of a company on the stock market, a house, or a painting — in the hopes that its value will grow. If it does, the investor can later sell the item, also referred to as an asset, and earn a profit.

There are four main types of investments, which are also referred to as asset classes.

Stocks, otherwise known as equity investments

Fixed-income investments, like bonds

Money market or cash equivalent investments

Property, including real estate and other tangible assets

Stocks

These are probably what you think of when you think of the stock market: shares, or fractions of ownership, of publicly traded companies, which increase in value as the company performs well and earns a profit.

Shareholders are paid dividends when this occurs, but are, of course, also vulnerable to downswings in the market — and the possibility of the company performing poorly or even going out of business.

Mutual funds and ETFs, which are pre-built pools of investment options, are also grouped under this asset class, though they sometimes include bonds and other types of securities. (We’ll go into more detail on mutual funds and ETFs below.)

Fixed-Income Investments

These are investments that offer a prearranged, fixed interest rate and usually pay at regular intervals or after a set amount of time. Bonds are the most common example. When you purchase a government bond, specifically, you’re actually giving the government a loan, which it agrees to repay after a certain amount of time (the bond’s “maturity”) at a set interest rate.

Bonds are considered safer investments than stocks, which are more vulnerable to shifts in the market.

Money Market or Cash Equivalent Investments

These are highly liquid (meaning they can quickly be converted to cash), short-term investments, like CDs (certificates of deposit) or short-term debt securities, like U.S. Treasury bills. This asset class offers relatively little growth — meaning you aren’t likely to reap a big profit quickly — but also comes at a relatively low risk.

Property

It’s just what it sounds like: tangible, physical investments, like real estate or fine art, which can appreciate (read: grow) in value over time.

(Psst: depreciation is the opposite, when a tangible asset loses value over time. One of the biggest culprits? Cars, trucks or SUVs, which can lose as much as 10% of their value annually, according to Carfax.)

For the purposes of this post, we’re going to focus primarily on stock market investments, as these are the most accessible to — and rewarding for — average folks. But we’ll also briefly cover property investments, including bitcoin. (Yes, it’s still a thing — and yes, we know you’re curious!)

Why Should You Invest?

One thing we should make clear: Even the “safest” investment options do carry some risk. There’s no such thing as a sure investment.

For that reason, many savers feel a lot more comfortable stashing their cash in a low-interest savings account… or even under their mattress in the form of paper bills. But investing is one of the easiest ways to earn a passive income — and if you want to build serious wealth, the stock market is the surest-fire place to make it happen.

Malik S. Lee, a Certified Financial Planner and the founder of Atlanta-based Felton & Peel Wealth Management, understands why some people are reluctant to enter the market. But he also knows it’s imperative for meeting many common financial goals.

Maintain the Value of Your Money

In fact, if you take inflation into account, investing isn’t just a way to grow your money — it’s a necessary measure to maintain its current value.

According to Lee, inflation has historically averaged between 4-5%, and so over the course of 20 or 30 years, that can make a big difference.

“If you would like your money to spend the same way then that it’s spending today, you’ll need the power of the stock market,” Lee said.

Even a low-growth investment like a CD might actually net you a negative return, given today’s rate of inflation.

And, of course, it’s important to remember that investing is all about playing the long game. Yes, you’ll likely see some scary stock market headlines over the course of your investment career. But so long as you hold tight and don’t run for the hills, the overall odds are in your favor.

Make Money on Your Money

The average investor who reinvests dividends within a broad-based index, such as the S&P 500, has a 94% chance of positive return over 10 years, according to Lee. If you extend that timeline to 20 years, investors can increase that chance to 99%.

“If you invest for the long term, your chances of obtaining a positive return increase dramatically,” Lee said.

In other words: when it comes to investing, “keep calm and carry on.”

But first, you have to cough up the ante!

How Do You Get Started Investing?

If you’ve read this far, you’re (hopefully) at least a little more comfortable with the lingo, and convinced that investing is the way to go if you want your money to be fruitful and multiply.

So now, how do you get started on your own investments? And what if you don’t have very much money to get started with?

1. Choose an Investment Vehicle

First things first: you’ll need to decide on what type of investment account best fits your needs. A variety of different account types, or “investment vehicles,” correspond to different financial goals, some of which carry special tax incentives when used correctly.

For instance, if you’re investing to save for retirement, an account like a401(k) or traditional IRA allows you to make tax-deferred contributions, which can help lower the amount you pay in income tax today while simultaneously building your nest egg for later.

A Roth IRA works a little differently: your contributions are taxed today, but then grow, and are more importantly withdrawn, tax-free thereafter.

These retirement accounts do come with certain IRS regulations, including strict rules regarding when the funds can be taken out. (The short story: you’ll have to wait until age 59.5, with a few circumstantial exceptions.)

There are also investment accounts geared specifically toward paying for college (529 plans) and health care (HSAs, or health savings accounts), which carry similar restrictions.

The most flexible option: opening a plain-old individual investment account, which allows you to withdraw your funds at any time to pay for miscellaneous objectives.

Even then, it’s a much better idea to leave your contributions invested as long as possible — not only to maximize your returns through compound interest, but also to avoid short-term capital gains taxes, which can be levied at a higher rate than what you’d pay on long-term holdings.

Taking a look at your own financial timeline and plans for your future can help you decide which type of investment vehicle is right for you.

Our suggestion? If your workplace offers access to a 401(k), start there — and if there’s a percentage match on offer, be sure to take advantage of it. Your contributions will be deducted directly from your wages and are tax-deductible, so it’s a pretty pain-free way to get started.

Then, you can consider opening an auxiliary account — whether that means accelerating your retirement savings with an IRA or investing your pocket change with a digital app like Stash.

Speaking of which…

2. Open a Brokerage Account (or Download an App, or…)

If you’d asked somebody how to invest in stocks 20 years ago, you would have gotten one resounding answer: Call up a stockbroker and place your order. I mean, you’ve seen “Wolf of Wall Street,” right?

Fortunately today’s technology has transformed the investment landscape, creating a spectrum of easily accessible options regardless of how hands-on you want to be with your portfolio.

Of course, you can still hire a full-service brokerage, like Morgan Stanley, staffed by investment advisers who will allocate your assets and manage your account for you, insofar as you allow it.

While you’ll always maintain the final say-so, you can offload the research and strategizing to someone who does it for a living. And if you don’t want to pick up the phone, you’ll find a huge range of features and resources available through the firm’s online client portal.

This kind of hands-on, human-powered advice does come at a cost, though — usually expressed as a percentage of your assets under management (AUM). These firms may also have lofty minimum account balances, so you’ll probably need to deposit a significant chunk of change (think: several thousand dollars) to get started.

Another option for those who want to do as little research as possible is to open an account with a robo-adviser , like Betterment or Robinhood. These companies use computer algorithms (backed by human research) to create and manage portfolios for their clients, and thus are able to offer their services at a much lower fee than a human investment adviser.

If you’re looking for a more hands-on experience, you can open a DIY brokerage account through a firm like TD Ameritrade. Many of these brokerages offer free accounts with low or no account minimums, but you will be on the hook to pay for trade fees and commissions on the assets you buy or sell — and to do the research to make those trades good ones.

Finally, there’s a growing class of investment apps, like Stash and Acorns, that make it simple to invest right from your cell phone, even if you have very little cash to get started with.

Stash, for instance, will let you open an account with just $5, and Acorns uses “round-ups” to slowly grow your account with spare change you’ll barely even notice has gone missing from your bank account.

3. Research Your Investment Options

Having an active investment account is a good start, but it’s not enough. Now it’s time for the real fun: actually investing your money!

Of course, as we mentioned above, investing is risky. You don’t want to just throw your money into any old set of stocks.

And by the way, stocks aren’t the only asset you should look at: You’ll also want to consider adding some bonds and mutual funds to the mix.

“Baskets” of Assets: Mutual Funds and ETFs

So what, exactly, is a mutual fund? As mentioned above, a mutual fund as pre-built set of stock market assets — which means it’s an easy way to bring diversification into your portfolio.

Diversification is uber-important when you’re investing, and the reason why can be summed up in a well-worn cliche: You don’t want to carry all of your eggs in the same basket.

By investing across a wide range of asset types, including companies in different industries and locations, you can help safeguard your portfolio against a total meltdown should any one sector have a downturn.

Mutual funds are usually put together and managed by a financial professional or firm, and require a significant minimum investment — often $3,000 or more depending on the management company.

There are, however, mutual fund companies that offer lower minimums for beginners; Vanguard’s STAR Fund, for instance, carries a minimum initial investment of $1,000.

ETFs, or exchange-traded funds, are similar to mutual funds in that they bundle a range of investment products in one simple asset, but in general they’re not actively managed by a human being — which means they carry lower expense ratios than mutual funds do. And unlike mutual funds, you can buy ETFs on the market directly just like you would shares of stock; an ETF’s price varies based on market value, just like stocks do, and there’s no expensive minimum buy-in amount.

How Much Control Do You Want?

The specific type of investment account you choose will depend on how much control you want.

For example, the average 401(k) plan only offers about a dozen different investment options, often exclusively made up of mutual funds. But if you open an IRA through a brokerage, you’ll have access to the whole wide (and sometimes overwhelming) world of the stock market.

Many of the investment apps on the market deal exclusively with ETFs, though you may be able to choose specific investment options based on your financial goals or values. For example, Stash offers ETFs that specifically back companies that support green initiatives and LGBT equality, and also allows you to buy fractional shares of individual stocks at major companies, like Amazon.

Determining the Best Assets for Your Portfolio

Once you have an understanding of what your account offers, you can start to look into the specifics of individual assets.

Note: We are not investment experts, and are in no way shelling out any specific investment advice here at The Penny Hoarder, but we can help explain how to do the research.

For one thing, you can look up the historical performance of a prospective asset by searching its ticker symbol — that three- or four-character abbreviation next to its full name — through an investment research firm like Morningstar. (Honestly, these days, you can also just use Google.)

And if you have your heart set on investing in a particular company or industry, it’s worth doing some additional homework.

For example, major companies like Amazon issue quarterly results and annual reports for shareholders, all of which are available to the public and can give you an idea of how well those stocks are performing. Want to put your money behind, say, medical marijuana? Keeping tabs on legalization proceedings could work to your benefit.

Finally, don’t forget the golden rule of investing: diversify, diversify, diversify! Purchasing assets across a wide range of industries and classes can help you ride out market turbulence.

4. Contribute to Your Investment Account Regularly

The power of compound interest means your money makes money… so you need to make sure you keep putting money into your account! The more you invest, the more you’ll earn, and it’s all too easy to stop, or “forget about,” making contributions.

Your 401(k) will defer your wages automatically with each pay period, but if you have a separate account with a brokerage, we recommend setting up regular, automatic withdrawals.

Pro Tip

Even saving $10 a week adds up to a contribution of more than $500 in a year’s time -- which could easily become a hefty four-figure sum over the course of a decade.

Play around with a compound interest calculator to see how quickly that petty cash can grow. For instance, given a modest interest rate of 6% and a 10-year timeline, your $10 a week would grow to about $7,200 — and about $2,000 of that would be interest, passive income earned at no extra effort of yours.

Mobile investing apps make this even easier, often allowing you to connect your primary spending accounts and “round up” each dollar, essentially investing the spare change you wouldn’t miss anyway.

5. Keep an Eye on Your Portfolio’s Performance — But Don’t Get Hasty!

The long-term, “buy and hold” investment strategy doesn’t mean you should ignore your portfolio entirely, of course. Sometimes, making performance-based changes can increase your returns… but again, reacting to scary headlines is short-sighted.

The best way to get help with allocating your assets is to talk to a financial professional, but keep in mind that even they can’t predict the future. That said, if you notice one of your holdings continually underperforming, it might be worthwhile to seek out a different option.

Alternatives to Investing in the Stock Market

We’ve covered investing in the stock market, which may be the most accessible way to start earning passive income, but other ways to invest may better fit your financial goals.

Property investments can be a viable alternative to stock investments, especially if you’re not super jazzed about putting your money behind virtual ownership. Having a tangible item, be it a piece of real estate, a bar of gold, or a hand-crafted urn, can feel a lot more reliable than watching numbers inflate and deflate online.

Of course, this investment strategy requires a lot of knowledge to pull off successfully. You need to be able to identify what goods or properties will increase in value over time.

Real estate is a relatively low-risk asset — though, as evidenced by the 2008 fiasco, even that’s not foolproof. But if you want to learn more (or get started even if you don’t have the kind of cash to make a down payment), check out our guide to real estate investing.

If you’re wondering about bitcoin, that’s basically a form of property investment, too: Investors might purchase a bitcoin — or, more realistically, part of one, now that they’re worth over $3,500 apiece? — not to spend it as currency, but rather in the hopes that its dollar value keeps increasing.

For more information on exactly how this weird cryptocurrency thing works, learn how bitcoin works from this post, written by one of our bravest (and most articulate) writers.

Finally, CDs and money market accounts are low-risk investment vehicles available through most banks and large financial firms. They offer higher yields than the average savings account without exposing your money to the whims of the market.

But as we said above, safety doesn’t necessarily mean success… and you could be missing out on more significant returns if you’d invested those funds in the stock market. Even the highest-yield CDs rarely offer more than 3% APY.

Scary though it may seem, stock market investing isn’t actually a bogeyman — and in fact, getting familiar with it is the best way to catapult your finances from “just fine” to “phenomenal.”

Good luck on the trading floor, Penny Hoarders. And don’t forget: keep calm, and stay invested!

Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool, Roads & Kingdoms and other outlets. Learn more at www.jamiecattanach.com.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

How to Invest Even if You Have No Idea Where to Start published first on https://justinbetreviews.tumblr.com/

[jbreinlinger]

The Wheat from the Chaff

If you’ve read any of my blog posts before, you may know that I hate the traditional 5-star feedback systems. I think they are missing so much opportunity and often present a false signal of quality.

I was chatting with the founder of interviewing.io recently and was pleasantly surprised that they are taking a big step forward in a feedback system that’s really designed to separate the proverbial wheat from the chaff.

It made me realize that we’ve all been making a big mistake with feedback systems.  In most marketplaces, we’ve been operating in a one size fits all mode.  Everyone from eBay to Uber to Upwork to Amazon uses a 5-star feedback system on competed transactions to accomplish two very distinct goals.  

Marketplaces have been misusing  the 5 stars to poorly accomplish both of these goals.  

Goal 1) prevent bad transactions from happening in the future.  (Expel bad)

Goal 2) identify the highest quality good or service.  (Retain & Optimize great)

The standard 5-star system has unwittingly accomplished the first goal of preventing bad transactions, although you really only need a 2 or 3 point scale to accomplish the same thing.  However, due to a variety of reasons —> the 5-star system does a terrible job at identifying the highest quality good or service.  I believe it’s naive to think that the same approach can both identify the worst and the best in a marketplace.  Note that for some marketplaces the goal may be only to prevent bad transactions (Uber / Lyft) while in some other marketplaces (Farfetch / Toptal), the goal should really just be about identifying the best.  Depends if you’re a commodity or master marketplace.

I’d like to use this post to explore how to do a better job of identifying the best.  Let’s proceed.

Why don’t 5 star feedback systems work to identify the best services or goods?

I’ve blogged about this topic, see here.   There are multiple issues:

There is massive grade inflation - I adequate.

There is an apathy problem - I don’t care to take the energy to rate a middling service.   

I want reciprocity - if I rate something 3 stars, will I be punished by the other user?

I have misaligned incentives - do I really care about the future users of a marketplace or do I mostly care about myself?

The result of all these things is that you end up with tons of “5-star” rated users or products and can’t tell the difference between them.   

I’m not going in depth on this one since you can read all about it here.  

Let’s talk about what elements could truly improve the ability of feedback systems to identify the best?

To Chess:

ELO ratings have been around since about 1960 and do a remarkably good and accurate force ranking of worldwide chess players.  (My ELO ranking on chess master pro is a wimpy 1150 - a bright beginner).  There are millions of chess players in the world, and I believe the vast majority of serious players know their ELO ranking and also know exactly what it means to be 1000, 1500, or 2000.  It’s also remarkably accurate and a very good predictor of the outcome of a match. 

As a thought experiment, could we rank all of the CEOs in the world in the same way? Could we rank all of the sales people in the same way? The answer is probably not - but there’s still a lot to be learned.  ELO ratings work so well because chess is purely a game of skill (no chance or external factors involved) and every game is a pairwise competition involving 2 and only 2 players.  So we’ll never get to be as clean and accurate as chess, but shouldn’t we try? How valuable would it be if we knew a forced ranking of every software developer in the world? We don’t even need to be that accurate. If we could merely separate the top quartile, we would have ridiculously valuable data for recruiting and hiring.  We actually invested in a company that was using pairwise (1 vs 1) competition style rankings of people to generate this exact data.  It didn’t work out for external factors, but I still believe the data would have been highly accurate and incredibly valuable.  

The lesson we should take from ELO ratings is really the same lesson all of us learned in  college.  People should be graded on a curve.  In marketplace 5-star lingo, someone who gets 4.8 stars might actually be 10 times better than a 4.7 person.  Or they might be the same.  Just need to graph out the distribution curve of feedback and grade people according to a standard deviation.  In ELO rankings, this happens naturally by bumping people up or down the scale based in their wins or losses versus other users.  This can be accomplished easily in a marketplace if the same user has ranked 10 different things.  

And now, off to Dribbble:

Who’s the best graphic designer in the world? It’s a very tough question to answer, but Dribbble provides some answers.  You can go to their site and sort descending by number of likes.   Pretty damn good designers at the top.  This user-generated data based on likes (and not on feedback) is way more meaningful to separate the wheat from the chaff.    

And to Google:

Google is truly the innovator here.  SEO should serve as a very informative field since Google does a pretty good job of picking the top 1-10 webpages out of 30 trillion options for every search query.   To oversimplify everything, Google started with the observation that website links were a great indicator of authority and importance.  Over the past 20 years, they’ve added another 150+ behavioral factors to assess importance and relevance of any webpage to any search query.  One of the great (and scary) parts of this whole Internet thing is that we can track and analyze pretty much everything that everyone does online.  So, we know if people spend 5 seconds or 5 minutes looking at a profile.  Or if they hit like at a 20% rate or a 2% rate.   I believe that behavioral data — data about time on page, click-thru %, % like rate, etc will be one of the more meaningful opportunities to identify the best in any network of lots of people or goods.    

Marketplaces are WAY behind - most have a single search relevance function based on some sort of keyword and a simple feedback score sort option.   Over time, marketplaces will develop more advanced algorithms that incorporate more behavioral data - things like job approval rate %, message response time, on-time delivery %, etc.  

Who’s the best chef in the world?

Easy.  Just look at the 180 or so 3-star Michelin chefs.  It’s probably one of those. Why doesn’t a similar ranking system exist for VCs, founders, sales reps, software developers, or admin assistants.  Well, for one - the Michelin guide is a unique and amazing institution.  Two -  nobody has really tried.  Could you survey and ask 10,000 people who is the best VC you’ve ever worked with directly? What would the results be? Would they be correlated with the VC performance?  I started a habit several years ago that has been very helpful in my career.  After most meetings, if there’s a good connection, the 2 parties ask, “how can I help?”  I’ve tried several different asks  but my favorite is to simply ask for, “please introduce me to the best entrepreneur you know.”  Interestingly enough, most people have no problem identifying who that is and I get some fabulous intros this way.  However, if I asked for, please introduce me to all the 5-star entrepreneurs you know, I think the results would be very different and I’d be left with all the filtering on my plate.  I strongly believe that humans are exceptionally good at assessing relative quality and absolutely terrible at assessing absolute value.  It’s easy to answer which hamburger was better - McDonalds or Roam Burger.  It’s very hard to answer, how good was McDonalds.  

Is my dad qualified as a VC?

I love my dad - he’s as unique as they come, a lifelong electrical engineer, and he’s grown an interest in startup and angel investing.  He met a random startup entrepreneur and decided to invest.  I checked out the profile and thought it was in the bottom 20% of founders I’ve met.  So - the question is - who is more qualified to rank the founders?  And should it matter? I believe it does, but every single marketplace I know treats all user feedback the same.  A Yelp review from a Michelin food critic counts just as much as the Yelp review from an annoying teenager that got rude service on their Groupon date. How could that possibly be the right approach?  User authority and relevance is still completely missing from marketplace feedback systems.  Marketplaces will eventually follow in Google’s footsteps by introducing some notion of user authority.  

————

We’re clearly still in the early days of marketplace science.  We’re doing ok with our current systems to identify the negative users and products in a marketplace.  But, we have a very long way to go to get great at separating the wheat from the chaff and identifying the absolute best people and products. 

I believe the biggest opportunities are in the following themes: 

1) Grading on a curve (ELO)

2) Analyzing user behavior

3) Asking for relative vs absolute value (who’s better / best)

4) Utilizing user authority (like PageRank)

5) Using more social signals (like Dribbble)

If you’re a marketplace entrepreneur out there doing interesting things to improve feedback science, please do reach out.  Would love to hear from you.  

[cartyreseduardogszs157-blog]

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Written by R. Ann Parris on The Prepper Journal.

Editors Note: Another contribution from R. Ann Parris to The Prepper Journal. As always, if you have information for Preppers that you would like to share and possibly receive a $25 cash award, as well as being entered into the Prepper Writing Contest AND have a chance to win one of three Amazon Gift Cards  with the top prize being a $300 card to purchase your own prepping supplies, then enter today!

Boy oh boy, to have come back for more … you have earned your biscuits and I wish you productive hens and no little red eggs or white butterflies in your gardens.

So, last time we created a pretty big “short” list of factors that combine to determine not only how much seed we need, but also how much land space. You got an example of how something like sustainability goals, or lack thereof, can affect how many seeds you’d want to stock because it changes what you’re planting. We also mentioned developing baselines, to see how things perform in your specific patch o’ dirt.

That “performance” aspect is the biggest variable.

That particular variable is why I don’t present any lists of “plant this many of this” – not even when I’m speaking to regional or local groups.

All I do, is make some guidelines available, and give people a few things to consider with each list – and with “all-in-one” kits of various kinds. I’ll give you the same.

Corn is just one of many staples that comes in huge variety. I’ll need different amounts of seed (and land) to produce equal amounts with different crops.

Seeds for the Future

The amount of seed we need to stockpile for planting changes based on seed size and coverage densities, by variety as well as general crop type.

Then our seed handling – mechanical v. manual planting, pre-soak or sprouting v. direct-sow – further affects how many seeds we set out, and how much land we need to prepare for those seeds.

Mechanical planters increase the risk of damaged seeds. Broadcasting usually has higher planting rates. Precipitation, soil nutrients and soil structure determine if I need extra spacing to avoid stunting, or would need more amendments or irrigation at the conventional densities for the yield I want.

Chickpeas and lentils average 2-4 seeds per pod, while common bean types can average 5-16 seeds per pod. Tomatoes have a finicky process to save seeds. Some crops need 3-7 seeds sown per desired adult plant due to low germination and survival rates.

All those listed factors really do play in together as a system, and the system determines how much seed and land we’d need to meet our goals.

Then there’s which seeds.

I could save just one melon, and plant a fair bit of land the next time, but I’ve just severely “bottle necked” my gene pool, which can lead to serious problems down the road.

Plain soil, NPK additive, and biochar+NPK comparison of crop health & yield with a single variety of corn. Environmental factors matter in crop performance.

 Other People Post Guides

Bless them for it. I don’t plan to.

Something that thrives and does well in the greater CSRA may be a low-yielding hothouse bunny for the DelMarVa. Apples do not ship from Arizona for a reason. Sheep in Seattle are going to be less-needy and higher-yielding than in Shreveport – changing the amounts of plant-based Vitamin D, calcium, and protein we need to produce.

In his foraging books, His Highness the Great Samuel Thayer (I’m a fan) offers a latitude and altitude conversion guide. Because, just blocks or miles or states apart, what grows and when changes by ‘tude.

Age, ability, and acreage also lead to very different suggestions. Our amendments and growing styles factor in.

Some guides are handy, either as general starting points for planting (which we will test) or for “extras” they offer. Still, they must be liberally seasoned with salt.

The canning jar article http://www.theprepperjournal.com/2016/07/21/how-many-canning-jars-do-you-need/ includes a chart that gives yield, seeds/starts per area, and space suggestions. She doesn’t tell you what varieties she’s sticking in those rows specifically, or how long it takes to grow them, so it’s only a starting point.

Pole beans v. bush beans

There’s a whopping yield difference between a pole bean or melon vine that’s 3-6’ and one that’s 8-15’. Ditto for bush beans v. pole beans, favas v. lentils, pintos v. kidneys. Short-season and drought-tolerant regional heirlooms tend to yield lower. Diseases and pests in warm, rainy areas may mitigate the yield advantage of a more productive regional heirloom.

It’s what makes me shake my head when I see numbers sometimes. See, sometimes the planting ranges make sense due to possible variations.

Sometimes, though, it’s stuff like “5-10 broccoli plants per person, 10-40 carrots per person” (http://www.wellfedhomestead.com/how-much-should-you-plant-in-your-garden-to-provide-a-years-worth-of-food), or “10 squash and zucchini per person, 75 sweet potatoes per person” (Back to Basics via https://www.newlifeonahomestead.com/how-much-should-i-plant/).

Those are huge ranges.

Even so, the high-end is still not enough broccoli or carrots for each of my family. Flip side, 10 squash and 75 sweets per person could be overwhelming harvests – respectively, 50-200# and 150-250# each, on moderate years (Georgia Jet to Beauregard’s).

Then, there’s TWO (2) autumn-winter squash recommended in the first link.

Ever grow Hubbard, butternut, kuri, and Jester squash? Two plants could yield anywhere from 6 to 24 squash – 5-90 pounds – depending on variety, pests and care. That’s an enormous and ridiculous range to give somebody without more specifics.

That’s why I don’t give blanket guidelines. Because, it depends.

It depends on the year (luck), skill, and method as much as the variety and location.

Try to find the seeding rates for the style you want to duplicate in your area. For some generic starting points, there’s a list here among other goodies https://smallfarmersjournal.com/weights-measures/. Mississippi State Extension does a nice job of thumb-nailing some of the relationships between style and seeding rate due to plant density and survival, https://extension.msstate.edu/sites/default/files/publications/publications/p2401.pdf. Penn State’s extension service provided a nice gauge of when to increase seeding rates, https://www.no-tillfarmer.com/articles/5081-determining-seeding-rates-for-small-grains.

Remember, your extension office’s suggestions will be better for your garden and plots.

Even so, I actually like the VA Tech veggie guide https://pubs.ext.vt.edu/content/dam/pubs_ext_vt_edu/426/426-331/426-331_pdf.pdf. It gives seed-starts per row along with yield estimates and suggested amounts per person, and it’s nice enough to break plants down by a lot of types.  Plus, it goes hand in hand with the planting date guide that’s page one of the pub – just switch your location’s frost dates around for the 0-date given the chart.

And speaking of charts…

A compilation of expected shelf life of seeds, in dry, generally constant 55-75 degree F storage – nothing fancy, paper bags & packets in a basket on a shelf. The listed years are the time you have to use seed before the germination rate starts dropping. – – – I no longer remember where I found this chart; it’s not my original work. If you know who made or posted it originally, let us know so it can be properly credited.

Seed Vaults & Kits

“Over 25K seeds!” “10-year shelf life!” “Plants an acre!” “Feeds a family of four!”

This is actually another one that really rates its own article. I’m not after naming names here, but please be aware of a few things when you consider these.

For starters, that family of four had better be rabbits if it’s is all they’re eating. Most “survival” seed vaults and kits are lacking in the same ways:

– Overall potential calories, proteins, & fats

– Regionally- or climate-specific varieties, to include short-season staples

Caveat: There are admittedly “survival garden” kits out there specifically for proteins, grains, oil seeds, and staples in general. There’s also companies that do make regional kits.

  Three sets of black beans. Differences? One’s Zorro, specifically bred for uniform maturity in Michigan’s semi-rainy but shorter summers, regionally high-yielding and highly disease resistant. One’s the original Black Magic, developed in the U.K. – a bigger bean, lousy “green bean”, mediocre productivity anywhere humid & hot, great for a Seattle-type climate but too long-growing for Montana & North Dakota. And one? Well, I have no idea who produced it, how long it takes, where it yields best, or its spacing-nutrient-disease-pesticide needs. It’s whatever is in somebody’s survival seed vault.

– Inflated seed numbers (how much basil & borage are you really going to plant?)

– Further inflate numbers with perennials that won’t bear much in the first year

– Use a weight measure for seeds (which, divided out, can end up being 12-30 bean, melon & corn seeds … Pssst. That’s not gonna feed you all that much.)

– Declare the storage life using the longest-lived individual or upper 25-50% of the seeds in the best of storage conditions

Amazon question-answer – From the seller: “Some of the seeds won’t store for long term no matter how they’re stored…” (Full disclosure: When this one is $75-90 instead of $180-230, it’s actually a good deal as a starter or booster kit, and you can download the guide before buying to see what applies to your zone, although there’s 300 borage and similar inflation’s to be aware of … and corn isn’t as delicate as the supplier thinks.)

Now, referencing that chart above (which I’ll confirm – except spinach; spinach seeds never last long for me), a bedroom closet keeps my seeds for 3-5 years. I have a daily quart-plus of green beans and quarter-cup of dry beans coming off 30 abused 6-year-old black bean seeds that became 20 neglected and abused 10-15’ vines.

Then there’s this kit/vault, good for 5-15 years, maybe some seeds will last 20 in ideal storage – usually called 50-65 degrees or a freezer. Who knows how well those seeds are going to yield, or for how long.

So … why am I spending money on that packaging?

Without having a true Svalbard (which just flooded, by the way), the difference between storage in a Mylar bag and a tin can, versus Ziploc and an empty coffee tub is … pretty slim. Really.

Just make sure you’re paying for quality seeds applicable to your zone from a trusted grower, not fear-sales advertising or packaging that won’t appreciably extend the life of your chives.

Also, if a product is claiming 10-20 years, make sure they’ve been around long enough to have done independent testing on that claim – and get the by-variety shelf-life results.

Those results are somewhere. If they hedge and won’t deliver them … this calls for an extra grain of salt.

How Much Seed To Stockpile

Man, I really wish there was an easy golden bullet for this one, I do. But there’s not.

On one hand, I’m tempted to say “the world is never enough” but it makes no sense for people to stock things they don’t know how to use. Seeds fall into that category. Other hand, even if you don’t have space or knowledge, this isn’t the parts to a computer or a pony here – there’s a chance you can find help or extra space. But that leaves all the other factors up in the air.

What it comes down to is the only one-size-fits-all garden rule, the one constant we repeat, early and often:

Get Started. Now.

The more you do now, the more of the learning curve you’ve already passed.

“Foods That Will Win The War” calorie guide, 1918 – This was long before we got fat, and is not based on Cold Dark Northland winter needs.

Figure out the calories you need, and then the calorie yields of foods you can produce in your area. Then figure out what those foods need in turn.

Here’s one rule of thumb I will give you: Grains tend to average about 1500-1600 calories per pound (dry). Beans tend to be more variable, but 1500/dry pound is close.

A half-pound of dry beans and a half-pound of dry grains is a whopping pile once cooked, but it can provide a baseline for calculations. You multiply by days to see how many pounds you need –  harvest to harvest plus next year’s seeding – and divide by your average yield using your baseline seeding rates.

That’s how much seed you need – ideally with some leeway for bad years.

You can start with published yield averages or suggested plants per person, but start now. See if your yields would multiple outward and match those averages. Adjust accordingly.

Anything you add into your garden or crops, you’re going to have to stock for the duration you expect to be growing, or learn to produce yourself for sustainability. So that will require additional space and labor, one way or another.

I wish there was an easier answer, but unfortunately, in this case … it still depends.

    The post The Saga of Seed Stockpiles (Continued) appeared first on The Prepper Journal.

from The Prepper Journal Don't forget to visit the store and pick up some gear at The COR Outfitters. How prepared are you for emergencies? #SurvivalFirestarter #SurvivalBugOutBackpack #PrepperSurvivalPack #SHTFGear #SHTFBag

[jamieclawhorn]

Why I’d still buy “expensive” growth star stocks Just Eat plc and B&M European Value Retail SA

With markets looking frothy, it’s more important than ever for growth-focused investors to separate those stocks being held up by blind hope from those with a decent chance of hitting (and perhaps exceeding) market expectations. Here, I believe, are two of the latter.

Just buy?

Climbing 67% over the last two years, it’s no real surprise that £4.3bn cap takeaway marketplace operator Just Eat (LSE: JE) is trading on a forward earnings multiple of 38.

In July’s interim results, the company declared a “strong start” to 2017 with a 44% rise in revenues (to slightly under £247m) and 46% increase in pre-tax profits to £49.5m.

With over 80m orders placed over the first six months of the year and the number of active users rising 19% to 19m, it’s clear that hugely cash-generative Just Eat still has a commanding position in the many markets it operates in, despite fears that peers Deliveroo and UberEATS would steal its crown.

As a result of beating management expectations over the interim period, Just Eat raised its revenue guidance for the full year from £480m-£495m to between £500m-£515m, adding that it was “exceptionally well-placed” as it entered H2. Management also signalled its intention to continue reinvesting cash into the business to exploit additional growth opportunities.

Despite its steep valuation, earnings per share growth of 66% and 37% in 2017 and 2018 respectively leave the company on a price-to-earnings growth (PEG) ratio of just 1 for this year and next, suggesting that prospective investors would still be getting plenty of bang for their buck.

While big expectations frequently lead to huge disappointment, I think Just Eat might be an exception. 

Inflation-proof

Those who bought shares in B&M European Value Retail SA (LSE: BME) at the beginning of November would have enjoyed a very respectable 53% rise in the share price over the last 10 months.

While not in the same valuation league as Just Eat, this kind of performance has left it trading on a price-to-earnings (P/E) ratio of 20 for the current year — far higher than many struggling retailers. Based on recent results, however, I think this is still a price worth paying. 

In its most recent update, the £3.6bn cap chalked up strong growth, despite “challenging trading conditions and economic uncertainty.” Q1 group revenue increased 18% with “excellent” like-for-like growth of 7.3% being achieved in the UK thanks to strong grocery sales. This momentum appears to have continued into Q2, allowing the company to say it is on course to achieve profit expectations for the full year. 

There are other attractions. Whereas most supermarkets offer a huge variety of brands, B&M’s focus on selling a more focused range helps keep stock levels sensible and cash flow healthy – a similar strategy to that employed by Aldi and Lidl. The company’s positive relationship with Chinese suppliers also means that it can import products very cheaply, allowing it to undercut rivals on price. And while UK consumers remain a fickle bunch, CEO Simon Arora’s belief that more shoppers will seek out value in its stores as inflation continues to rise feels entirely logical.  

These positives, when combined with the company’s plans to almost double its number of UK stores and its recent acquisition of convenience retailer Heron Foods, lead me to suspect that B&M is another growth story that looks set to run.  

Another top growth stock

If you're on the hunt for top growth stocks, you simply can't afford to miss out on a special report from the Fool's Head of UK Investing, Mark Rogers.

Mark thinks he's spotted another great opportunity in the form of a top British brand with big plans to expand overseas at a furious rate. What's more, his report is completely FREE to read and comes without any obligation.

Just click here and it's yours.

More reading

Why I’d avoid this struggling turnaround stock and buy Just Eat plc

Just Eat plc could be the growth stock that will make you a million

Why I like this mid-cap stock over Sports Direct International plc for the long term

2 dividend champions for a winning portfolio

Paul Summers has no position in any shares mentioned. The Motley Fool UK has recommended Just Eat. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes

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