Building a sustainable portfolio – How much should you invest in gold?
Finance
Building a sustainable portfolio – How much should you invest in gold?

Management of personal finance is a critical life skill. There are basic thumb rules for managing finances, savings and investments. A 50-30-20 rule in place could be beneficial for many individuals to meet their financial goals – 50 percent for meeting essential expenses, 30 percent for aspirational purchases, and the balance 20 percent needs to go into savings for the long term.

When it comes to investing in gold, how much of your portfolio should be in gold so that your investments have adequate diversification? A balanced portfolio is the one that is spread over different asset categories. The basic categories of investment remain in either equity or debt. Equity is ideal for wealth creation over a long period.

Debt is an option where wealth grows in a comparatively stable manner. While investing in these instruments, you also need to consider how much gold you should have in your portfolio. In volatile market conditions, gold lends more stability to the overall portfolio mix. As gold acts as a store of value, it works as a hedge against inflation.

How much gold should I have in my portfolio?

The main question that you as an investor must consider while drawing out your financial plan is – what percentage of your investment should be in gold. Your appetite for taking risks, your existing investments in different asset classes, and overall goal set for investment will decide your gold portfolio allocation.

Many experts opine that an allocation between 5% to 10% is optimal for a balanced portfolio and provides sufficient hedge against investment risks arising due to unpredictable market conditions. Investors can also consider alternatives to buying physical gold. Options like digital gold, Sovereign Gold Bonds (SGB), gold Exchange Traded funds are available for investors who are looking to diversify their portfolio.

How to build a sustainable gold portfolio?

Any form of investing carries some amount of risk, and gold is no different. Gold in the form of jewellery, coins and bars comes with the risk of storge and theft. Often, you also have to incur making charges when buying gold jewellery.

Compared to other asset classes, gold is not considered as an ideal investment instrument for short term. Also, earning any kind of return on your physical gold investment solely depends on the rise and fall of gold price in the market. It does not draw other benefits like dividends or owning a small percentage of a company.

There are a lot of aspects to factor in before you begin your investment journey. There are alternatives to physical gold that offer better liquidity and comparatively better returns (based on your short term or long term goals). Explore your investment options with a financial advisor who can help curate the right gold investment plan based on your financial goals and risk appetite.

How to avoid many hours of SEO upkeep, optimization & research?
Carter Black Business
How to avoid many hours of SEO upkeep, optimization & research?

The only way to avoid several hours of daily SEO upkeep, optimization, and research is to outsource SEO professionals for Local Texas business SEO. When it is obvious that your manager and you have no time and skill in this field, you are left with the only option of outsourcing SEO to an SEO Texas agency. Behind every successful brand that gets natural traffic to be converted into clients, there is a team of SEO Texas.

As a business owner, you must free yourself up so that you can completely concentrate on your core commercial activity, agenda, and tasks. For that, using an agency can be an absolute gem! One of the reasons for using the agency is to save time, money, and effort. Once it is obvious that someone is not an expert in doing a particular job, it makes no sense to waste time on it anymore. Hiring an SEO company can work for you in more than one way.

Enjoy the SEO results effortlessly!

For every successful business in Texas, SEO has always been tempting. The best part about the SEO team is that it is a group of SEO experts who are skilled in handling marketing campaigns in the best way possible. Once you hire the agency, you free yourself up for all the SEO tasks with a bang. Let them do the time zapping SEO task and enjoy the results effortlessly.

In this day & age, no website can grow up without proper search optimization! SEO is a very wide field from links to keyword research and from ranking to getting traffic. Using the agency is the best way to get an organized SEO concentration on the KPIs of your business. What’s your idea about Metadata optimization perfect for your business needs? The same is the question when it comes to keyword density.

Are you not getting time to focus on your business? Switch to a virtual receptionist
Carter Black Uncategorized
Are you not getting time to focus on your business? Switch to a virtual receptionist

Time is the most necessary factor for start-ups and businesses. But most companies have to devote their time to attend to the customers’ calls. It wastes a lot of time, and people cannot focus on their businesses. However, a receptionist can help you save time by transferring only the crucial calls to you. But in the present times, having a full-time receptionist is expensive. It is why most businesses are now adopting the services of a virtual receptionist.

The virtual receptionist comes with a variety of features for businesses and start-ups. These are:

  1. Virtual receptionist saves money

The disadvantage of having a full-time receptionist is that their services are expensive. The company has to pay them additional perks and benefits. It creates pressure on the company’s budget.

However, the virtual receptionist is cheaper than an in-house receptionist. Also, there is no need to provide additional benefits and perks to the virtual receptionist. In this way, its services are more economical and easier on the budget.

  1. Virtual receptionist is available 24*7

The full-time receptionist cannot work 24*7. It is why either you have to hire more than two full-time receptionists or face innumerable messages when you reach the office. It is both stressful and expensive.

But the virtual receptionist available 24*7 to attend the office calls and messages. It effectively handles everything. In this way, you do not have to worry about tons of messages in the morning because the virtual receptionist must have managed everything.

  1. Virtual receptionists can manage the bilingual calls and messages

It is unknown that people have to pay more to the full-time receptionist who can speak more than one language. Also, it is necessary to manage the callers speaking different languages too. 

In such scenarios, the virtual receptionist comes forward to help your business. It can manage people who speak different languages and saves you from spending extra money on bilingual full-time receptionists.

Businesses do not have to train virtual receptionists. They start their work as soon as you avail of their services. In this way, you focus more on business and stay stress-free.

Hire a Luxury Car to Create a Long-Lasting Impression on Your Business Clients
Carter Black Uncategorized
Hire a Luxury Car to Create a Long-Lasting Impression on Your Business Clients

Corporate clients play a vital role in the growth and development of any business. You take additional care to welcome a client, making them feel how crucial they are to your business. The secret to attracting and retaining clients involves being vigilant to small details. For instance, working with a corporate taxi hire rental service can be the best way to take care of your clients’ transportation requirements. It serves as a way to provide your clients with the utmost convenience, luxury, and comfort. Of course, it can also convert your potential clients into definite ones. 

 Here are some ways to leave a long-lasting impression on both your potential and existing business clients.

1. Relaxation 

If your business requires lots of traveling, it could be hectic and tedious for many reasons. With corporate rental cars, you can provide your clients with some relaxation and maximum comfort before they get to work. 

2. Luxury & Comfort

Corporate rental cars can help you welcome your clients in the most luxurious and classy way. Whether your patron wants to check-in at a hotel or needs to join a corporate luncheon right after landing, a luxurious corporate vehicle like a limousine can address many of their requirements, allowing them to have some peace of mind before taking on the business world challenges. 

3. Reliability & Punctuality

Every business task requires reliability and punctuality. Like your enterprise, your clients or business partners value time. You can take care of their transportation requirements by hiring luxury corporate cars. It will help you show that your company means business and you do not want to waste time. 

Hire a corporate limo with experienced chauffeurs at www.prestigedrive.co.uk to help your clients reach their destination in time.

How to pay your phone bills online safely
Carter Black Business
How to pay your phone bills online safely

Paying your bills online is not only useful in recent times, but it has also become necessary. If you are making an Airtel postpaid bill payment or paying for other bills, you can do so over multiple platforms today. The Covid-19 pandemic has forced most of us to come out with alternative ways to do our work, pay our bills and continue our livelihood. In addition to the Airtel Payments Bank platform, there are quite a few more ways in which you can carry pay your bills online. Let us take a look at some of those.

  1. Making payments on the website of the companies

You can make a postpaid bill payment directly on the website of your network service provider. You will need to create an account by registering yourself. You will need to offer details to identify yourself, fetch the bill and pay through a suitable payment gateway. The process is fairly easy and straightforward. There is nothing wrong that you would do as long as you browse to the correct website. Also, this method of payment is quite safe. You would also receive a mail or text once your payment is successful.

  1. Making payment through the bank

You can make payments through your net banking platform too. Since you would be paying money directly from your account, it is a good idea to use net banking for Airtel bill payment. There is a billing section in your net banking where you can add billers and make the necessary payments. Unlike the last method, you can use this platform to make payments to multiple platforms. You can enter the amount that you need to pay or automate the payment. This is definitely a very secure method to make payments as the banks use high-level encryption and other technologies to take care of customers’ data.

  1. Using digital wallets and smartphone apps

A lot of new startups offer another way to make payments. You can create digital wallets on your smartphone apps that can be used for your Airtel mobile bill payment. You can even make payments through the Unified Payment Interface or UPI. It is one of the most convenient methods of digital payments available in the country today. A person who wants to make a transaction will need to create a VPA or Virtual Payment Address that can be created only through the mobile number linked to his bank account. This method of payment is also very secure

  1. Using the Airtel Payments bank platform

Probably the best option for Airtel postpaid bill payment is the Airtel Payments Bank platform. This will offer good cashback and a secure method to make your bill payments. This platform has an easy interface. You can recharge your phone, DTH, or FASTag, make bill payments for water, electricity, or broadband among other things. You can even transfer money to your peers.

These are some of the ways in which you can pay your bills safely.

Dropshipping in the Time of Covid-19 Pandemic
Carter Black Business
Dropshipping in the Time of Covid-19 Pandemic

Covid-19 pandemic has affected everything in literal aspect. From education to job, everything took a back foot while racing for life. For quite a long time people were confused and worried because of the frightening worldwide effects of the disease. But slowly we tried to get back the controls in our hands. The same happened with even big commerce dropshipping. It also suffered the rage of the pandemic in the form of standstill manufacturing, less orders and problems with supply chain. But as we found ways to cope with it, we recognized that dropshipping can actually offer more in this pandemic situation. A few modifications and strategies can help to speed up your business once again.

The problems

Customers are spending more and more time on online shopping and there has been a surge. But the problem lies within the system. The very first problem is the lack of transportation. There are fewer flights available and the flights that are available get the products quarantined to ensure safety. People are getting quarantined and it has reduced the human resources that handle the delivery process. All these are standing in the way of fast and timely service. As a seller you can actually handle the challenges with a few strategies.

Communication is the key

In such a situation, delivering a product is definitely not a walk in the park. Never go on promising your customers fast service without communicating with your supplier. Learn about the interruptions in the process and probable delivery timing. Also try to get a deal on in-demand products like best seller on amazon to make sure that those get delivered timely. Make sure to upgrade your customer service. Customers like to get hear from businesses and get necessary information. Always let them know about the reasons for the delays in delivery and assure proper delivery. Never forget to thank them for being patient. 

Learn About The Latest IRS Scams To Protect Yourself
Carter Black Business
Learn About The Latest IRS Scams To Protect Yourself

Tax scams are pretty common and it happens all year round, but they usually tend to increase during the tax season. Many people lose money to fraud every year and thousands of people have lost millions of dollars and their personal information to tax scams. And the scammers usually make use of regular mails, telephone, and email to set everything up. One thing to note here is that the IRS usually does not initiate contacts with taxpayers through email, text messages, or through different social media channels to request personal and financial information. So, if you get any call or emails requesting as such, you should be careful and be wary of it. Here are some common IRS Scams you should look out for: 124 

Fraudulent Tax Preparers: When you are hiring tax preparers for the tax season, you need to make sure that you are hiring legitimate service providers. If you are not careful, you could end up with fraudulent tax preparers who will put together returns using false information. And these fraudulent tax preparers usually do this to boost refund, while some do it to steal personal information. 

Phishing: Phishing is a common type of fraud and it usually includes the use of fake email, advertisements, and websites to gain the personal information of the taxpayers. Hackers who use the phishing method usually send emails impersonating a company and send a link to fake portals usually asking for personal and sensitive information, such as account number, social security number, and more. This fraud usually increases during tax season, so make sure that you are careful. 

Phone Calls: In a phone call scam, a fraudster will call pretending to be an IRS agent. They usually call saying that you have to pay an overdue tax bill, and they will threaten to have you arrested if you do not pay the amount. During these calls, most people end up getting panicked and they give into paying the overdue bill. This is one of the most common ongoing threats that many taxpayers experience. If you do receive such calls, remember that the IRS does not make any calls demanding immediate payment. 

Tax Identity Theft: Tax identity theft usually occurs when scammers steal a taxpayer’s identity and use it to get a refund from the IRS. They usually try to do this before the taxpayers file for their taxes. This usually occurs early in the tax season as they try to file it before the taxpayer does; therefore, the best option is to file your taxes as early as possible. Another common tax identity theft is when someone claims your children as their dependent. To stay clear of such scams, do not share your social security number and your personal information with any unidentified source and try to file your taxes as early as possible. 

How Can You Protect Yourself From Scam? 

There are several steps that you can take to protect yourself from falling victim to scams. The first step is to file as early as possible, so if you usually wait to file your taxes at the last minute, you should prioritize getting it filed as early as possible. When you file early, you can prevent identity theft. The second tip is to keep your social security number safe and secure, the best thing that you can do is leave any documentation that has your social security number on it at home. 

And if you do receive any calls from the IRS do not trust it, as the IRS never calls or uses recorded messages. If you are a taxpayer, you should watch out for these IRS Scams to make sure that you do not fall victim to such scams. 

Comparing Chat Applications Encryption, Privacy And Safe Usage
Carter Black Business
Comparing Chat Applications Encryption, Privacy And Safe Usage

Communication technology has progressed over the years, making messaging simpler than ever. People can also choose which form of communication they prefer, from text messages to multimedia messages, emails, chats, voice calls, and even video calls.

Whether for business or personal use, messaging applications will continue to grow in the coming years. Moreover, mobile instant messaging (IM) applications like WhatsApp, Messenger, Telegram, WeChat, and Signal are the present frontrunners in the market.

Since many use these apps even when working in regulated industries, firms in these sectors are mandated to archive messages conducted over mobile communication apps. Regulated companies must ensure that no illicit activities transpire under their network.

Still, mobile IM apps are inherently non-compliant with archiving regulations. Therefore, enterprises in the regulated industry must work with reliable third-party solution providers that enable efficient and secure mobile call monitoring and WhatsApp call recording.

Reputable vendors like TeleMessage offer safe and reliable solutions that retain mobile content like SMS messages, voice calls, WeChat, and WhatsApp communication to ensure due diligence for regulatory compliance. They offer multiple archiving solutions so that different organizations can find the right tools and blends for their operational requirements.

Communication apps widely vary from one another in terms of encryption, privacy, and safe usage. To know more about the matter, see the infographic below from TeleMessage.

App-image

What to Expect From a Pool Service Provider?
Carter Black Business
What to Expect From a Pool Service Provider?

The summer months outside are full of fun and play, especially in the water. Having a private pool comes with a lot of responsibilities. From the moment of creation to creation, a lot of effort and thought has been put into it. There is still a lot of maintenance work to be done after installation. Because of this, it is often necessary to hire a pool maintenance company.

Having a bathing spot in your backyard may seem like a dream come true, but what if something goes wrong in your cool pool? In hot weather, it is a good idea to have a pool service number on hand. They can handle everything there is to keep your pool in top condition. Take a look at some of these services below.

Perform cleaning

Having a place to cool off in the summer is a huge advantage for any homeowner. That is why many people decide to install their pool on their plots. While splashing around in the water is a lot of fun, it’s important to keep your backyard well clean. It can be a tedious project, but a must if you want your bathing spot to last long and look great for years to come. If you don’t want to do the job yourself, it’s best to contact a professional pool service to make sure it is spotlessly clean.

We offer renovation

In addition to maintaining order in your backyard pool, it is very important to make repairs as soon as they arise. Sometimes you may have a faulty pump, or maybe you bought a swimming pool that can heat up. If for some reason, he doesn’t do what he should, then it’s time to call the pool service to come and check the problem. While solving these problems may seem inconsequential, it is best to prevent a small problem from turning into a bigger one.

Provide filters

To keep the water in your backyard sink fresh and clean, you’ll need a good filter. It is recommended that you contact a reputable Swimming Pool Services to help you find the best filter for your pool and install it for you. Whether you need and filter or prefer a cartridge filter, talk to an expert to find out the pros and cons of each and which one works best for you.

Elimination of cracks

If your backyard oasis is the center of attention for you, you need to make sure there are no downsides to it. Dirty water is prohibited. Also, cracks can be unsightly and are best repaired as soon as possible. While you can try to get the job done on your own, it’s best to call the pool service to have them come out and do it for you. You don’t want to risk filling the crack the wrong way because you may end up doing more harm than good in the long run. Therefore, be sure to contact a specialist as soon as possible.

Save time and money

A lot goes into maintaining a backyard bathroom. Some people care and enjoy doing all the maintenance they need in the area. However, if you do not want to deal with this, it is easy to turn to professional pool service. They can solve all the problems you might have and save you a lot of time and money.

Find the Best Office Furniture Today
Carter Black Office Furniture
Find the Best Office Furniture Today

Having the right office furniture is significant. No matter what type of setting you go for, your vision is a chance with experts’ help. There are so many reasons to have an office space to look for an expert. It will stay with your coordinate. It will keep your workers pleasant. It will keep your customers coming back. So don’t delay in implementing the essential improvements you need. If you have chairs and outdoor tables that are collapsing for working hardware, it’s time to launch the upgrade. Running your business could be in jeopardy.

Provide a beautiful space with relaxing chairs, elegant tables, and trendy file organizers. These things spike and span can be mint green, a salsa red, or a delicate pastel. Imagine that you no longer have a mess in your workspace. Each report, paper clip, and ink pen can be buried in its small hidden place. This vision can be your world. If you buy the right Office furniture Townsville, your working day will immediately prove to be so little more complicated. Indeed, you do not have to pay an excessively high price to get this hardware. Trust the planning experts to give your place the change it needs.

Without the right office furniture and a decent plan, work can get angry. Without suitable materials, you could waste a lot of paper, money, and time. First-class devices can help you manage your inventory and keep everything under control. These administrations are accessible regardless of the size or condition of your business. So don’t worry. You will no doubt discover material that is right for you and your defined needs. These expert organizations work with the best creators worldwide to provide premium materials to people like you.

Planning a workspace can be tiring and downright confusing. Such countless spots offer hardware that is overrated but not powerful. Customers like you can undoubtedly be deceived in their appearance for the best office furniture. This does not have to happen. Competent planners have been assembling spaces for quite some time. If you are looking for the ideal climate, call a plan organization today to start the interaction. You may have an excellent thought as your primary concern, but you have no idea how to execute it. The perfect people can give you the material and the course you need to make your fantasy come true.

Once your workspace is coordinated, you are considerably more beneficial in your daily exercises. The delay is not as good. Eliminate clutter for certainty. Whether you need a more comfortable climate or only another wooden desk, help is available. Maybe you need fixed hardware. If you have the right repairman, you can save a lot of money. Why replace great tools when they can be repaired? If you need your variety of things to push you effectively, think about your choices. Choose the office furniture that best suits you and your place. The results are excellent.