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Investment Property Home Loans – What You Need to Know

ABC Staff
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Investment Property Home Loans – What You Need to Know

If you’re contemplating purchasing an investment property, you would know that it is a rewarding source of passive income. However, financing an investment home loan in Brisbane has some key considerations, which can be different from financing for a primary residence. Investment property mortgages have some additional steps compared to primary residence mortgages; they may also incur  higher interest rates and require additional borrower security compared to taking a mortgage on a primary place of residence.

Before we get into the details of what you need to know about investment property loans, let’s review what the term ‘investment property’ means.

Simply put, investment property refers to a property you purchased as a financial investment. You may have purchased with the objective of renting out the residence, or to ‘flip’ it.

‘Flipping’ a home refers to the process by which investors buy a property in a fast-expanding area with the purpose of subsequently selling it for a profit, typically they will make  repairs or completely renovate to boost its value in a short period of time.

Difference between A Regular Home Loan And Investment Loan

Investment loans are specifically curated to cater to the purpose of investing. These loans typically follow the same structure and options as a regular home loan, but as investment loans can come with a higher risk for lenders they may also have additional fees and higher interest rates.

When your loan application is assessed,  the expected rental income is taken into consideration for your serviceability, or repayment schedule. It is worth noting that the assessment process for serviceability may be a bit stricter for investment loans. That is, the lender may be more conservative in their assessment of your ability to repay your loan.

Purchasing an investment property is usually part of a long-term plan to build wealth. Understanding your financial goals means that your mortgage broker can work with you to tailor the most suitable strategy for financing your property investment plan. Your goals and other financial considerations, such as any equity you are using against the loan, can influence the ideal method to arrange your loan facilities. Depending on what you want to achieve and what options are available, your strategy may take into consideration the benefits of different repayment structures such as fixed rate, variable rate, interest-only or split loans.

Advantages and Disadvantages of Investment Property

An investment property is a considerable financial decision, and it is best to be informed of the advantages and disadvantages of purchasing an investment property.

Here are a few advantages of Investment Property Loans:

  • Growth Potential: Market expansion and housing price appreciation
  • Returns: These are derived from rental income.
  • Tax Deductions: You may be eligible to deduct property costs from your taxable income.
  • Equity: The ability to use your investment’s equity to acquire more properties.

Here are a few disadvantages of investment property loans:

  • Liquidity: The cash worth of your property is more difficult to acquire, and selling can be time-consuming (and costly)
  • Vacancy: There is a possibility that your property may remain unoccupied, which means no returns will be made for a lengthy period of time.
  • Cost: Upfront charges, such as investment stamp duties, might be prohibitively expensive.

Making Informed Decisions

There are a few things you should look at before applying for an investment loan:

Credit History

Lenders typically want to see proof of your ability to repay your loan. Which means a solid credit rating is important, because. When the lender evaluates your application, they will evaluate any arrears and overdraws.

Employment

Lenders prefer candidates who have a consistent work role and sector, as well as decent employment history and reliable income. If your employment has changed in a short period of time, lenders will look at the gap between your current employment and your previous work situations in their assessment of your ability to repay the loan.

Loan-to-Value Ratio (LVR)

LVR relates to the amount of equity you have vs the amount you need to borrow. The greater your down payment, the lower your LVR. Lenders like a low LVR, so save as much as possible!

Power of Borrowing

Your borrowing capacity is determined by your income, less your costs. Calculate your monthly disposable income to obtain an estimate of your borrowing ability.

Fees and Ongoing Expenses

Investment properties, as previously stated, may attract a higher interest rate, resulting in greater continuing keeping expenses. Furthermore, investment property fees and maybe land tax might be incurred, so make sure you account for this in your planning.

The Property

Because the lender will be using the property as security, complete appraisals will be performed on the property to assess the risk to the bank. As a result, looking at houses that aren’t regarded as liveable or are in desperate need of repairs may influence the lender’s decision to accept the property as collateral.

There are a number of ways to structure your investment property loan. Property investments can be profitable, but like any investment it is recommended that you do your research, and if you are unsure, chat to an expert before committing to a purchase.

Your mortgage broker in Brisbane can help you when you’re ready to start looking at rates, loan options and putting together a budget that suits your financial goals.

As a final tip, seeing if you’re pre qualified for an investment property mortgage when you start your search can save you time and streamline your investment loan search.

FACTORS TO CONSIDER WHEN BUYING A GREENHOUSE

ABC Staff
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FACTORS TO CONSIDER WHEN BUYING A GREENHOUSE

Greenhouses are no longer a status symbol for the seasoned gardener. Greenhouses are now just as certain to be utilised for gatherings and partying as younger adults admit to seeing them, not just as a way to a healthy and eco-friendly dwelling, but as a luxurious life item.

A greenhouse may also be a relaxing location to appreciate the garden or the fruits of your labour. In reality, an increasing number of individuals are utilising their greenhouses to grow food and beautiful plants, mainly to eat better and healthier since it ensures the quality of the fruit they consume. While greenhouses are unquestionably significant investments, and quality glass and polycarbonate greenhouses are now widely available, there are several things to think about before making the final purchase. Here are four main factors to consider when buying a greenhouse.

  • Installation of the greenhouse:

When deciding on a greenhouse, consider whether you will install it yourself or hire someone to do it for you. If you plan to install a greenhouse, you will be limited to a width of 35 feet since anything greater would necessitate the use of specific equipment. Whether you are considering purchasing a gutter-connected conservatory or a basic 30 ft X 100 ft greenhouse, you must evaluate the initial outlay as well as your greenhouse requirements.

  • Plants you plan to grow:

One element to consider before purchasing a greenhouse is the type of plants you want to grow on your farm. If you want to produce tomatoes, chillies, and aubergines in your greenhouses throughout the summer and early season, you might consider having a few 30-to-35-foot greenhouses instead of a huge interconnected greenhouse because each of those crops has unique climate demands. It’s also beneficial to have multiple greenhouses since you may “switch” one from summer to winter plants in August without missing out on the end of the greenhouse cycle with your primary summer crops.

  • The size of the greenhouse:

You must be forward-thinking in your greenhouse size and model choices. Whether you’ve been producing veggies for two or ten seasons, you should plan to want an improved greenhouse as you progress and generate more money. You won’t have to invest twice if you start with a greenhouse that can grow with you. The first factor to think about is how big, tall, and wide you want it to be. Rather than purchasing a basic greenhouse that cannot support effective climate control systems, select a “fancier” choice that will allow you to maximise your plants with the most appropriate environment.

When it comes to greenhouse size, you want a lot of space. Contrary to popular belief, heating bigger air volumes are less expensive per square metre than heating smaller air volumes. Because they offer superior temperature stability, large air volumes make heating and managing the greenhouse environment easier. Not to mention that the greater the height of a greenhouse, the more brightness it will have, which will boost plant development, vitality, and, presumably, agricultural production.

  • Gutters and vents:

Install a guttering system and a butt to capture rain to preserve water, which may be utilised for the plants. For individuals who have a lot of plants, this may be of great assistance in the summer when there is a chance of a hosepipe ban. Consider the venting system as well. Because greenhouses have greater temperatures, vents enable hot, rising air to go and cold air to enter – especially in summers. This is a significant investment that should not be overlooked or undervalued.

FINAL THOUGHTS:

So, this was it. There are, of course, many more factors like lighting, location and heating, but those mentioned above are the primary factors you must consider when buying a greenhouse.  

Nigeria Sees the Biggest Increase in the 2021 UK Approved Study Visas

ABC Staff
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Nigeria Sees the Biggest Increase in the 2021 UK Approved Study Visas

There has been a significant increase in the number of people seeking to migrate to the UK from Nigeria in the past few years. Last year marked a pleasant turnaround for many Nigerians wishing to study in the UK as the British government issued a record number of study visas to applicants from across the world.

In 2021 ( for the year ending in September), 428,428 sponsored study visas were awarded to both international students and their dependents. Compared with the past two years, this implies:

  • 143% (252,327) more than the year ending September 2020
  • 55% (152,077) more than the year ending September 2019
  • It is also a 29% rise compared to 10 years ago, in June 2010, when there were 307,744 issued study visas

Nigerian Students Record an All-time High

Among the biggest beneficiaries of this spike in issued UK are Nigerian students, as the numbers are particularly high compared to 2019. As stated in the end-of-year report, Nigerian nationals were awarded a total of 36,783 visas, a 368% increase or 28,923 more visas from the year 2019. Only two countries got more visas than Nigeria.

At the end of the year in 2019 and 2020, Nigerians only received 7,860 and 8,229 sponsored study visas, respectively. Dependants are also huge beneficiaries of the rise in UK Student visas. 10% of the 36,783 visas were issued to dependents.

This development presents hope to UK educators who have in the past few years lost hold in the Nigerian market to countries like the United States, Canada, Ghana, and South Africa in the past 10 years. Total enrolments of Nigerian students in UK universities fell to 10,540 in 2017-18 from 18,020 in 2013-14, according to a 2021 Carnegie Empowerment for Peace report.

According to the report, most Nigerian students consider ease of visa application and affordability when deciding on where to study. The UK may be losing out to countries with a more welcoming environment or because UK school tuition fees were fast becoming unaffordable for Nigerian middle-class families.

The decline, however, also relates to Nigeria’s GDP growth and the recession from 2014 to 2016. Nevertheless, the recent spike shows that more and more Nigerian students may choose to study in the UK in the coming years.

Aside from Nigeria, other countries with major increases in visa approvals include the United States, Pakistan, China, and India. Chinese students were issued more than 135,450 visas, and for India, the numbers went from 30,490 in 2019 to 90,970.

Pakistan nationals recorded a 270% increase from 4,015 visas in 2020 to 14,845 in 2021. For the United States, the numbers went from 8,638 in 2020 to 15,330 in 2021.

Interestingly, the number of visas to fellow EU countries saw a significant decrease despite the massive increase for non-EU countries. The UK government granted a total of 428,428 visas in 2021and EU/EEA students received just about 9%. This comes after Brexit as, before 2021, EU nationals didn’t need visas to enter the UK.

More Opportunities with the New Graduate Visa Route

For Nigerian students, one of the most important factors in deciding where to study abroad is the availability of post-graduation employment. As a result, the UK government’s recent introduction of a Graduate Visa in July 2021 may contribute to the increase in enrolments from Nigeria.

With a Graduate Visa, international students can stay in the UK for at least 2 years after finishing their bachelor’s or master’s degree programme. Doctoral graduates can stay in the UK for an extra year (3 years). This gives them time to work or look for a job.

The Graduate Visa is a non-renewable visa. However, if a person gets a job and wishes to remain in the UK, they can apply for and obtain UK work visas. Notably, they can switch to a Skilled Worker visa that lasts for up to 5 years before renewal. They are also eligible to apply for Indefinite Leave to Remain (ILR) in the UK. After obtaining ILR, they can stay in the UK permanently and apply for British citizenship after 12 months on ILR. 

How to gain credibility and clients as a freelance personal trainer

Claire James
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How to gain credibility and clients as a freelance personal trainer

When beginning a personal training business, credibility is everything. Nowadays, everyone can set up a social media profile, buy some equipment and start calling themselves a personal trainer. But will customers line up in their droves for their services, or merely glance at their content and instantly forget about it? That all depends if potential clients believe in them. Specifically, in whether they possess the relevant skills and expertise.

Whatever stage you’re at in your business, credibility is critical to your success as a personal trainer. Here we share four ways you can prove to potential customers that you’re the real deal.

1) Sort out the basics

Before you start thinking about getting clients and taking names, you need to get the fundamentals nailed down. Namely, getting your certificates and insurance. Although the quality and detail of PT qualifications are up for debate, there’s no getting around the fact you need them in order to appear legitimate. This involves taking courses from Level 1 to 3, which all in all should take around 12 weeks to complete. It might not sound like much fun, but you’ll have an official certificate at the end. So, rather than complaining about it, just get it done — you might even learn something.

Next is personal trainers insurance, which is very important according to insurance providers at Salon Gold, who explain: “A client may sustain an injury while following advice you gave them for their fitness routine. This may lead to a claim for malpractice and spell bad news for your business.” So how do you protect your business from the financial fallout of these kinds of accidents? Simple. Get an insurance policy to guarantee you’ll be protected.

Not only are you free to focus on the more important parts of your business rather than constantly worrying about safety, but it also stamps some credibility on your name. On your website and socials you can reassure customers by mentioning that you are fully insured, perhaps with a little certificate for proof if possible.

2) Pinpoint your training niche before your target audience

Knowing your target audience is crucial, but in order to find out who your customers are, you first need to consider where your expertise lies. It’s all well and good deciding that your niche is going to be middle-aged women who want to lose fat without lifting any dumbbells. But if you’re a 26-year-old man who has spent your entire gym career lifting heavy weights in order to bulk up rather than slim down, it’s safe to say that you won’t be able to offer much experience,  expertise or value. Just because targeting a certain niche is permissible, it doesn’t mean that it would be wise from a business perspective. You’d have to spend a lot of time learning and developing in order to gain the skills required to serve a niche you have no understanding of.

So, take a step back. Where do your training interests really lie? What are you good at? What knowledge do you want to pass on? This will help you pinpoint a target audience. When you first start you probably won’t have the luxury of picking and choosing clients as succinctly as you’d like. Over time, however, start filtering out clients you don’t want by being honest and saying: “I’m not the best person for you.” You could even recommend somebody else — this can help you build relationships with other trainers and also makes you look well-connected in the fitness community. Although you’re losing out on clients, your honesty will grant you more credibility with the clients you do want. After all, if you only train people like them, you must be really good at it.

3) Build a strong online presence that focuses on community

One of the first things people look for when it comes to finding a personal trainer is their previous clients. They want to know what you’re like, whether you were successful, how long it took to achieve their goal, and whether you were fun to train with. To create a consistent and meaningful set of testimonials, have a questionnaire prepared for your clients that you can ask them to fill in after a successful period. Having the same set of questions means that the answers will look uniformed and purposeful when you share them online.

Testimonials bring us onto our next point: a strong online presence. It’s inconceivable in the modern era to ignore your digital profiles, whether these are on social platforms like Instagram, YouTube and TikTok or professional-looking websites. There’s tonnes of inspiration out there — just search the hashtag #personaltrainer on social media to see thousands of fellow trainers posting quality content that their customers love. For websites, some great examples include the likes of Mike Thurston, Joe Delaney and Anna Victoria. And with website builder tools like Squarespace and Wix available, there’s no reason not to create your own.

Once your online presence is established, you can start to build a small following. This will be made up of people you have trained, as well as any prospective clients. Curating this sense of community makes you more approachable and trustworthy. When people engage with your posts by commenting and sharing, these are all markers of community spirit that enhance your reputation, and mean potential clients will look at your services more favourably.

4) Showcase your knowledge for free

Marketing goes hand-in-hand with credibility and here is a useful piece of advice: spend 25% of your working day marketing and 75% training. You may be thinking that 25% on marketing is a large chunk, so what’s the most effective way to spend all that time? We would suggest creating free content showcasing your knowledge and expertise. Curate videos of you in the gym executing movements and talking about form or tempo. Perhaps you’re on a yoga mat doing a four-minute ab routine or maybe you’re offering diet advice on a podcast. Anything that gives your target audience value is always worth sharing, even if you aren’t being paid for it.

With this kind of stuff, some remarkable marketing will be needed to make a statement when there’s so much noise. YouTube doesn’t keep official stats on how many videos are tagged “fitness” but it has been reported that in 2020, viewers watched 5,500 years-worth of yoga videos alone. Even after taking the Covid lockdowns into account, that’s still double the number from the previous year. It might seem impossible to stand out when such a crazy amount of content is available, but you can still pierce through if you give value to a targeted set of people with a variety of PT marketing techniques. Moreover, make sure your uploading schedule is relatively consistent. You won’t believe how many people stick to certain creators because their content has embedded itself within their routines.

Some business owners may push back on the ‘free’ element of content creation. Why should you give away your expert advice for nothing? It’s a valid question, and the answer is that you have to think about the long-term benefits. When people get amazing value from your free content, they’ll assume the services they need to pay for must be even better. The best way to demonstrate credibility is to let your customers see you in action. Once you’ve backed up your credentials with this proof, they will know you are (in)credible.

Want to become a dentist? Here’s what you need to know

Claire James
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Want to become a dentist? Here’s what you need to know

Becoming a dentist is a fantastic career choice. Offering the opportunity to really help people, be creative and earn a good salary, among other benefits, it’s no surprise that there are just under 50,000 dentists in the UK. And as you’re reading this article, we’re assuming you’re at least somewhat interested in becoming one yourself. But how exactly do you do this?

The required qualifications

Undergraduate dental education

To qualify as a dentist, you need to complete a bachelor of dental surgery (BDS) degree at university. As well as gaining all the academic knowledge required to be a dentist, you’ll get plenty of practical experience too, working in a range of hospital and community clinics treating patients under close supervision. To give yourself the best chance of practising dentistry post university, you’ll want to get at least a 2:1 in your degree.

Do bear in mind that it can be difficult to get onto these courses in the first instance, however, as you need high A-level results, with chemistry and biology required subjects. That said, some universities offer a one-year pre-dental course for those who don’t have the requisite grades.

What’s more, many institutions require applicants to pass a UCAT (University Clinical Aptitude Test) exam too, a two hour computer-based assessment based on the abilities, attitudes, and professional behaviours needed by dentists (and other medical professionals). With the UCAT exam notoriously difficult, we recommend undertaking a preparation course to give you the best chance of passing. UniAdmissions’ features one-to-one tuition, an intensive course and online revision support, with a proven track record of helping students pass the assessment.

Postgraduate dental education

Once you’ve graduated, you’ll need to undergo dental foundation training (DFT) (or vocational training (VT) if you’re in Scotland) if you want to work for the NHS. This is supervised training in which you work for an approved dentistry for a year after university. Eligible applicants are ranked by a Situational Judgment Test score and a virtual interview, with the former accounting for 75% and latter 25%. In order to prepare for this, it’s recommended to check out the SJT test paper published by COPDEND. There’s also more information and guidance on the test and interview on the COPDEND DFT recruitment website.

Regardless of whether you intend to work for the NHS or not, you’ll need to register with the General Dental Council (GDC) in order to practise as a dentist in the UK. This involves an online application form, plus providing ID and proof of your qualification. You’ll have to pay an annual fee to remain a member and undertake continuing professional development to be allowed to continue practising.

To become a specialist dentist, such as an endodontist, orthodontist or periodontist, or a cosmetic dentist, you’ll also need to undertake further training with that profession’s particular professional association.

The requisite skills

In order to be a dentist, you need to have a certain skill set, which includes:

  • Manual dexterity and technical dentist abilities, as well as being able to concentrate for long periods of time
  • The ability to forge relationships with patients and colleagues
  • Excellent communication skills, for interactions with patients of various ages and backgrounds
  • An interest in the well-being of others and the ability to deal with patients in a sympathetic way
  • IT skills to maintain records and accounts
  • Administrative and managerial skills if you intend to run a dentistry

The career paths & workplaces

If you have the qualifications and you’re confident you possess the right skills, it’s now time to find your dream job. There are many different career paths you can go down, involving either being a general dentist, a specialist dentist or a cosmetic dentist. You may even choose to pursue an academic career in the dentistry field after you graduate.

Whatever you pick, you will be able to work in one or several of the following workplaces:

Dental practice

Here, you’ll work as an assistant or self-employed associate at either an NHS or private dentistry. Dental practices range from a single practitioner to multi-site partnerships with numerous associates.

NHS hospital trust

Here you’ll be a salaried dentist specialising in a particular area of dentistry.

Community dental service

Other salaried dentists within the NHS will work in a range of clinical settings, such as health authority surgeries, mobile clinics and residential homes.

The armed forces

Those employed by the armed forces will work at Royal Air Force, Royal Army and Royal Navy locations across the UK and overseas.

5 Ways to Manage Your Money You Should Learn Before You’re 30

ABC Staff
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5 Ways to Manage Your Money You Should Learn Before You’re 30

The upcoming thirtieth birthday can be a great opportunity to put your finances in order. By applying a few simple rules, you can reduce your costs and significantly improve the condition of your wallet.

Mastering the art of money management takes a lot of time and a lot of patience. You don’t learn this skill overnight—some people take almost a lifetime to learn how to manage their budget.

And while you feel young and invincible by your 30s, the truth is that you are approaching retirement age. Thus, the sooner you learn how to manage your money, the better your financial position will be in the long run. Here are five basic financial rules you’ll need in your 30s.

1. Keep track of your budget

Many people in their 20s are vague about budgeting and track their expenses primarily through mobile apps.

However, the truth is that few manage to fit into a predetermined financial framework. The age of thirty is definitely the time to check what we spend every ruble on.

The main purpose of budgeting is to know what you are spending your money on. With this knowledge, you will be able to make more informed financial decisions. You can read more about this in books about financial literacy.

It is worth remembering that small expenses together grow together into large amounts. There is nothing wrong with spending money on interesting purchases or travel, as long as it does not violate the previously developed budget and does not harm the goals for which we are saving.

2. Save 10-20 percent of your salary

Another rule to keep in mind as you enter your third decade of life is the one recommended by most financial advisors.

When you receive your paycheck at the beginning of the month, you should know not only how much money will be spent on your fixed and variable expenses, but, above all, how much of your paycheck you are going to save.

The general rule is to set aside 20 percent of your monthly income. If you can’t save as much of your income as possible, try to save at least a tenth of your monthly salary.

3. Set realistic financial goals.

Try to calmly think about your financial goals. Consider when you would like to reach them. Write them down on a piece of paper and think about how you are going to achieve them and where you will get the money for them.

Making a list of your financial plans and developing a strategy to achieve them will make it much easier to succeed in this area.

Take, for example, holidays in warm countries. Don’t just dream, but act on it. Find out how much this trip will cost you. This will allow you to calculate how much you need to set aside every month to visit a sunny place.

The right financial strategy and the discipline of savings can get you on the vacation of your life in a year or two.

4. Manage your debts

Many people over 30 consider debt as part of their daily lives. For people paying down installments, mortgages, or credit card debt, settling financial obligations becomes a way of life. You may even find that you consider debt to be the normal state of affairs.

The truth is, you don’t have to pay your debts for the rest of your life. Assess the ratio of your debts to your financial resources. Create a budget with the primary goal of avoiding further debt.

There are many ways to reduce your financial obligations. One of the most motivating strategies is the snowball effect. Prepare a statement of your debts, from smallest to largest (excluding interest). Allocate the largest amount to pay off debt with the smallest value, while larger obligations must be paid off with minimal payments.

Paying off debt will have a significant impact on your personal finances. This will allow you more flexibility in your budget and allow you to increase your savings.

5. Create an emergency fund

If you don’t have a rainy day fund, it’s possible that you’ll have to cover unexpected expenses with your savings or credit card.

Plan to save big enough to prepare for an emergency. I recommend doing this: first, set aside three of your monthly salaries, and then six. How to do it and why? This can be done if you save 10-20% of your salary for a while. A “rainy day” fund is needed for unforeseen circumstances, for example: you were fired from work, you became incapacitated (you broke your leg, arm, fell ill with something), your wife fell ill, your children or you, your house burned down, etc. etc. There are many situations, but you need to live on somehow. Your savings will help you with this, they will help you survive unforeseen events that eat up your wallet.

Money site on WordPress

ABC Staff
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Money site on WordPress

Making money on your website or blog is one of the most reliable ways to make money on the Internet. Creating websites has become so simple that almost anyone can handle this task.

The simplest and most understandable platform for creating your own resource on the Internet is WordPress. To become a happy owner of your own website, it is enough to purchase hosting and a domain.

Each resource on the Internet has its own hosting and domain. Hosting is the place where site files are located. Domain – the name of the resource that is displayed in the search bar. When choosing a domain and hosting, you need to be careful to get the best conditions.

It is better to purchase hosting on trusted resources that have been around for years and value their reputation. Although the prices will be more expensive than those of little-known resources. It is desirable to pay at once for a year. In this case, you can get a good discount, and sometimes a second-level domain as a gift. Depending on the tariff, the annual payment for hosting will cost from 1500 to 3500 rubles.

The cost of a domain depends on the domain zone. The more prestigious it is, the higher the price. If the resource is designed only for the Russian-speaking audience, then you can get by with a domain in the RU zone. Domains in this zone are quite cheap. And the domain can be purchased here at a price of 39 to 500 rubles. A domain in other zones can cost several thousand rubles.

When registering a domain, you need to pay attention to the cost of renewal. The initial price can be low, and the renewal cost is several times higher. For example, on Jino hosting, they offer to buy a domain for only 39 rubles, but the renewal will cost from 500 rubles.

It is better to take domains with a fixed price. For example, a domain in the RU zone can be found at some registrars for 200 rubles, and the cost of renewal will also be 200 rubles. This will help you avoid unnecessary expenses.

Until the site is profitable, you should not invest a lot of money in it. After all, it may happen that the idea is not crowned with success and the money will be thrown to the wind.

Many hosting companies have a free trial period. If desired, you can find a trial period of up to three months. This will allow you to thoroughly test the hosting. Before paying, you need to carefully study the reviews in order to be aware of possible hosting problems and choose the best option for hosting your own resource.

Most hosting providers provide a one-click installation of WordPress or Joomla. Each hosting has training materials for beginners. But if something is not clear, then you can watch the lessons on YouTube or contact technical support.

After installing WordPress, you will receive an email containing the username and password for the admin panel. By entering this panel, you can access the management of the created site.

The first step is to remove unnecessary plugins and entries. Then you should choose a theme for your resource, configure the available options and start filling content.

To quickly start earning income from the site, you need to use affiliate programs. With low attendance, it makes no sense to place ads from Yandex and Google. There will be no income from it or it will be scanty. But affiliate programs can be profitable, even with low attendance.

Consider the example of courses on earnings. But in a similar way, you can get traffic to other affiliate programs.

First you need to register in affiliate programs for the sale of courses. The leader in this field is Glopart. The site is distinguished by its popularity, simplicity, honest payments without cheating. On it you can find educational materials on any topic, but training for earnings is best sold. Also, there are other sites for the sale of courses, they can be found through the search.

It is recommended to start with Glopart. The main advantage of this site is high affiliate deductions. Here you can get up to 80% from the sale of affiliate products. But on average they pay 30 – 50% from one sale, which is a good result.

Depending on the cost of the goods, you can get from 100 to 10,000 rubles from one sale. There are goods and worth 100,000 thousand rubles. Naturally, deductions from them will also be high. But expensive goods are quite difficult to sell. Best of all, goods worth up to 2000 rubles are sold.

Despite the huge number of forums posting these courses, a large percentage of people buy them from the author. This is much more profitable, since in this case you can count on help and support.

To sell any affiliate product, you need to learn how to attract traffic. Interested people who will buy these learning materials. That’s what your own website is for.

With the help of articles tailored to key queries, the site collects traffic and redirects it to affiliate links. One example is the site zarabotokdoma-biznes.ru. It looks unsightly, but it brings traffic and sales to the author. The author of this resource simply takes information from the selling website of the product andand writes articles based on it. At the end of the article, he indicates his affiliate link to the product. For each sale through such a link, he receives a profit.

You can do the same, but a better option would be to give people useful information and unobtrusively advertise the course. You can find hundreds of online earning channels on YouTube. It is enough to copy a video with useful information from them and place it on your resource.

The description can be taken from under the video itself. And then write that for faster results, you can use a good earning rate. Indicate the name of the course and leave an affiliate link to it.

On Glopart, you can make an advertising widget and embed it on your website. Popular courses will be displayed in this widget. Links in the widget are also affiliate links. For each sale through the widget, the site owner is also rewarded.

But the question arises, where to get the first traffic to the site. Articles are posted, but people are not. In order for the resource to be indexed faster and articles to be shown in the search, you need to give a signal to search engines. To do this, enter the query in the search engine: “Exchange of visits”. There are many such resources. The meaning here is as simple as possible, you should watch other people’s sites, and in return get views on your own resource.

Everything happens safely, viewings are carried out by living people. There are no risks. If you use several similar sites at once and do this for 3-6 months, you can get a constant increase in visitors without any investment.

Search algorithms see that the site is visited by real people immediately after creation and conclude that the site is interesting to people. And if it is interesting, then it needs to be indexed faster so that more people can see it. Also, it is recommended to connect the resource to Yandex Zen. This will speed up indexing and contribute to audience growth.

Do not forget about forums, other people’s blogs, social networks, you can also get free traffic from them. After the resource is firmly established in the search results, expensive search traffic will go in large numbers. But for this you need to use keywords in the titles of articles, you can pick them up on the WordStat service.

It is desirable to post at least 3 articles per day. The more articles on the site, the more articles in the search results, and therefore more search traffic.

Articles can be written independently or ordered on special text exchanges.

Having gained the skills to create a blog on WordPress, you can provide services for creating sites on this platform. Thus, getting additional profit.

How Comparison Websites are Better than Pure Luck

ABC Staff
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0
How Comparison Websites are Better than Pure Luck

It’s difficult to navigate the industry of online casinos in India, even for experienced players. There are so many on offer that choosing one without any research can pretty much be as random as the games themselves. So what is the best way to select the best online casino in India?

It doesn’t have to be a stressful experience comparing every last detail between online casinos hoping you’ve found a fair, safe, and all-round amazing site. In this article we’ll cover tips to help you find the right online casino for you.

Decide what you are looking for!

Are you eager to be immersed in the world of live dealer casino games? Are you hoping to hit a huge progressive jackpot prize? Or perhaps you want to find an online casino that works flawlessly on your smartphone when you’re out and about?

These are all valid preferences and to be honest, it would be almost impossible to find just ONE online casino that can do it all perfectly. That’s why before your search, you should decide what features are important for you, to really know what your non-negotiable features are and what features are not essential. Knowing this before your search means you’ll be able to find a great casino much quicker and easier.

If you’re still not quite sure what you want, or just looking for more information, we have you covered. We’ll include some of the key points that separate the outstanding casinos from the ordinary.

Can I trust casino comparison websites?

Absolutely! Make sure to find a site with a good reputation with reviewing and comparing online casinos. Finding a casino review site like Casinos-India will help you put your mind at ease, allowing you to easily compare all the important areas of a casino. You’ll be able to find features such as games, payment methods, bonus information, user ratings, and license and registration information. In addition to special features that each casino excels in. Exactly what you need to find a casino that meets your preferences perfectly!

What’s the deal with an online casino being licensed and regulated?

There is a way to prove an online casino is operating fairly and securely. Online casinos are regulated through different regulatory bodies where all online casinos carrying that license are adhering to strict rules to ensure all the casinos are regulated to the same high standard.

For example, with the Malta Gaming Authority, any online casino that wants a license from this organisation must abide by certain objectives such as carrying out business in the interest of the public, ensure that the gaming is free from crime, ensure minors and vulnerable individuals are safeguarded, and all gaming is conducted in a transparent, safe, and fair manner.

The Malta Gaming Authority and the UK Gambling Commission are both known in the online gambling industry to be some of the strictest regulatory bodies around. If you find an online casino with an approved license from one -or both! – of these regulatory bodies, it can certainly be one you can trust.

What security should an online casino have?

It’s obvious that all licensed online casinos must operate under strict regulations, however it can sometimes pay off to double check the methods an online casino implements to ensure safety and security on their website yourself. After all, hackers want to target online casinos for obvious reasons, so when depositing any money to an online casino, you want to make sure nothing will happen to it.

Due to lots of sensitive personal information of players and a large amount of banking details, an online casino needs to be encrypted to give players peace of mind while using the site. Look out for an up-to-date SSL certification. This digital encryption technology creates a secure link between players and the online casino, meaning no one can steal your information.

A quick way to look out to see if an online casino is encrypted is by checking to see if there is a picture of a small padlock in the toolbar. This will let you know a site is secure at a glance, or perhaps if the homepage doesn’t have a padlock but the banking interface does, you’ll know that you’ll be protected.

Variety of games

Of course, the feature many players are interested in are the variety of games available at an online casino. Some online casinos may focus more on slots, some may be leading in progressive jackpots, while some excel in live dealer casino games.

While it’s nice to find a casino that focuses on one variety of game and does it well, the best online casinos in India will at least offer some middle ground to ensure there is something for everyone. It’s nice to not limit yourself with only a few types of games. In addition, many online casinos have the option to play demo games on their site. Not only does this let players get comfortable with a game before playing for real money, it’s also a great opportunity to venture out into something new. You never know – you might find a new favourite variety of game!

Bonuses and promotions

Promotions and online casinos go hand in hand. It is unusual nowadays to see an online casino without an exciting and generous welcome bonus to attract new players. While it’s possible to get fixated on this one detail comparing each online casino’s welcome bonus, it’s important to look beyond these too. The best online casinos want to keep existing players happy as well, not just the new players joining.

In addition, keep on the lookout for the conditions attached to any bonuses and promotions. While they can often be overlooked, they give crucial information about conditions like the wagering requirements, time limits for the offer, and withdrawal options connected to the offer.

It’s entirely possible to find amazing bonuses and promotions on an online casino only to find they have ridiculously high wagering requirements requiring players to wager an unbelievably high amount of money, so don’t be caught out!  

How Cricket is becoming more Profitable for Fans in India

ABC Staff
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0
How Cricket is becoming more Profitable for Fans in India

If there’s anything that Indians love more than watching cricket, it’s betting on cricket. Indians love a good game of cricket and they are also known for having some of the world’s best cricket players of all time. Betting on cricket adds an extra layer of excitement and fun to the game; plus it’s a great way for hardcore fans to put their knowledge to the test by betting on matches.

With the ever-growing popularity of betting on cricket in India, it’s no surprise that there are hundreds of cricket betting sites to choose from and place your bets with. However, despite its undeniable popularity, cricket betting in India is very much a grey area.

Read on to learn more about the legal situation of online betting in India and how you can bet on cricket online at reliable betting sites.

Is Sports Betting Legal in India?

According to the most recent gambling laws in India, betting on games of chance is illegal. In fact, nearly all forms of online gambling are prohibited within the country, with a few exceptions made for betting on games of skill. For example, betting on fantasy sports is allowed in India since this is classified as betting on skill-based games. The problem with the Indian gambling laws is the distinction between games of chances and games of skill.

The distinction between the two has always been heavily contested, especially when it comes to the most popular form of sports betting in India which is cricket betting. Despite the legality of betting on fantasy sports and even horse racing, cricket betting is not considered a game that involves skill to bet on.

In recent years, many have been calling for the legal acceptance of cricket betting in India, especially considering the fact that there is already a massive market for it. However, so far it seems that the future of sports betting in India is unlikely to change, leaving Indians with no option other than to bet on their favourite sports at foreign betting sites.

The Biggest Cricket Betting Events – 2021 IPL and T20 World Cup

Since a lot of cricket betting is done unofficially through illegal bookies in India, there are no official figures for how much money is bet on these major crickets events. However, it’s estimated that the IPL betting market alone is currently worth more than $60 billion. It’s also estimated that around $200 million are bet on every ODI cricket match in India.

This year, the two biggest cricket tournaments took place. The 2021 T20 World Cup has just taken place after a long waiting period of five years from the last edition. This year, cricket fans were eagerly waiting for the T20 World Cup and bettors were equally eager to place their bets on their favourite teams. The T20 World Cup generates millions of rupees from cricket betting, along with the IPL. The IPL is another major cricket tournament which takes place every year and attracts bettors from all over the world, not only in India.

Statistics show that the biggest number of bets are made towards the knockout stage when the action gets really heated. It’s estimated that a whopping Rs 1000 crore, or around $130 million, is bet on every knockout match. Since a lot of IPL and T20 World Cup betting is done underground, it’s hard to have an accurate estimate of how much is actually bet on these events, but there’s no doubt that with online cricket betting on foreign sites and underground betting combined, cricket betting in India is booming.

Online Cricket Betting Banking Options – Why Indian Bettors Prefer Cryptocurrencies

Nowadays, any top online casino in India offers a variety of reputable banking methods which allow players to make safe transactions when gambling online. However, since online gambling is technically illegal in India, some players encounter issues with payments since banks often reject transactions made to a betting site.

For this reason, Indian players are turning to cryptocurrencies which offers the perfect solution to all the problems associated with traditional payment methods. Unlike other payment methods where transactions can be blocked, currency exchanges might not be favourable, or there are fees to be paid, cryptocurrency offers players a safe and easy way to gamble online.

Cryptocurrency casinos offer several benefits, including the safety and anonymity of transactions and the fact that deposits and withdrawals are instant. Bitcoin is undoubtedly the most popular form of cryptocurrency used for gambling online, but there are several others like Ethereum, Litecoin, and Ripple which are commonly used.

The Best Crypto Betting Sites in India

Considering that gambling online using cryptocurrencies offers so many advantages, it’s no surprise that Indian crypto casinos are on the rise. Let’s take a look at the top Bitcoin cricket betting sites in India.

  1. Pure Casino
  2. 10Cric
  3. Joo Casino
  4. Casumo
  5. 22 Bet Casino

The great thing about cryptocurrency casinos is that many of them offer exclusive bonuses for any deposits made using cryptocurrency. Bitcoin bonuses are the most common and they usually offer an added bonus when you top up using Bitcoin. And as we mentioned above, using Bitcoin or any other cryptocurrency is not only the safest way for Indians to gamble online but the fastest way to deposit and withdraw funds as well.

LocalTrade: overview of the exchange and reviews of the new product LocalTrade University

ABC Staff
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0
LocalTrade: overview of the exchange and reviews of the new product LocalTrade University

Cryptocurrency exchange LocalTrade is one of the leaders of the renewed cryptocurrency market. Having started in 2018, this project quickly made its way to the leading positions in the sphere and is rapidly gaining a pool of regular users.

In this article, we will talk about this exchange, its features, unique chips and everything that makes the choice in favor of trading on LocalTrade the right decision for both a beginner and someone who is looking for a new site for trading decentralized tokens.

How LocalTrade’s reliability is proven

It is impossible to talk about what exchange is reliable, convenient and in demand without actual evidence of these words. And such evidence in the case of LocalTrade is. This exchange has already gained recognition not only among ordinary users, but also among the acknowledged experts who gave the site an award, confirming its correct vector of development.

In mid-fall 2021, the exchange’s key executives and officials visited one of the world’s most prestigious annual blockchain events – Crypto Expo Dubai. There, they gave unique lectures about cryptocurrencies, blockchain, and future updates to their site, and received a unique award.

Aaron Levi Yalom (CEO of the exchange) and his colleagues have earned the title “Most Trusted Crypto Project of 2021” for their site, thanks to their effective work in creating a seamless and user-friendly LocalTrade exchange. This title cannot be bought, it can only be earned. And this trading platform achieved it by implementing a number of features, many of which do not even have analogues among competitors:

  • The ability to leverage DeFi and CeFi investment opportunities within a single LocaTrade exchange ecosystem;
  • Available conventional spot trading as well as high risk, high yield leveraged trading;
  •  Ongoing promotions and events that allow you to earn extra income based on your efficient trading on the LocalTrade exchange;
  •  Constant development of the website engine and the trading terminal, which are being improved in terms of convenience and functionality, as well as by the stability of the connection and the ultimate minimization of any possible lags;
  • Launch, support and filling of the LocalTrade University purely volunteer educational project, which aims to increase the knowledge, experience and skills of exchange users, and is implemented both online (articles, videos, manuals, instructions) and offline (lectures, meetings, speeches by the best experts in the blockchain industry).

All these chips were studied in detail for their effectiveness and were highly appreciated by the jury of the Crypto Expo Dubai 2021 event. The LocalTrade exchange set the bar high, which next year will be difficult to surpass, both for itself and for those who will fight to pass the title to some other cryptocurrency trading platform.

LocalTrade exchange overview, as well as reviews of its work

Reviews about this trading platform from its active users are the best indicator that will demonstrate the right choice in favor of registering on the exchange LocalTrade. The high standards, the benefits of trading, the safety of saving tokens in the wallet of the exchange and other its other positive features are confirmed by the words of its regular traders.

They often point to the characteristics that have led LocalTrade to become their primary site for trading bitcoin, etherium, litecoin, and other decentralized and centralized currencies:

  1.  A dozen and a half language versions of the exchange interface create a huge multinational community of users who form a highly liquid market with good market prices that are extremely close to the global average.
  2. More than hundreds of cryptocurrency pairs make the exchange a universal platform for those who are not strangers to experimentation: you can invest and trade in both major and well-known currencies and exotic tokens, which can give dozens or even hundreds of X’s to their investors over the course of a year.
  3. Depositing account with dozens of fiat currencies allows you to become a cryptocurrency investor in minutes after creating an account – everyone just need to deposit their national currency via Visa/MasterCard and purchase for it the desired cryptocurrency for subsequent saving or trading. And withdrawal back into fiat is always available on the same exchange.
  4.  For those who keep their coins on the online wallet LocalTrade, it is always available to earn on various subspecies of staking and deposit investments.
  5. The referral system of the exchange allows you to create a permanent passive income based on 20% commissions, which will be paid by the invited users.
  6. The absence of verification requirements will appeal to those who do not like various document checks and leaking transactions information to state regulators.
  7. Availability of safe and reliable LTT (LocalTrade Token – BEP20 standard asset, which will be a link in exchange ecosystem), which allows earning possibilities for those who will invest into the coin at the first stages of IDO and will keep the asset after its completion.
  8.  The presence of a unique tool called Neo Broker, which allows to invest in reliable American companies at the stage of Pre-IPO, which combines two separate economies (cryptocurrency and classic), and also gives the opportunity to invest in a company with medium risk before it shoots several times at the IPO stage.
  9.  The implementation of a user-friendly lunchpad, which allows start-up crypto projects to raise the first funds for their implementation (ICO with LocalTrade), and users to give these investments more safely and securely.
  10. Availability of a convenient multi-currency wallet, which is tied to a single account and allows you to store dozens of different cryptocurrencies without security concerns.

Making investments, passive income and trading through the LocalTrade exchange is convenient and practical. Anyone can do it, regardless of age, status or place of residence. The only requirements are a stable Internet and a computer or a mobile device, for which the exchange website is perfectly optimized.

The growth of interest in LocalTrade is stable and enables it to rise in the ratings of daily trading volumes. Users from the countries with a long and stable interest in investing in digital assets, as well as inhabitants of the regions where this trend is emerging, are becoming new clients of the exchange.

LocalTrade University: volunteer activities of exchange management

LocalTrade’s managers and protagonists are not looking to make as much money here and now as possible. Their main goal at this stage is to build a stable, well-educated in the blockchain economy and a successful community. Their goal is to create an association of traders and investors who are stable and successful in their interaction specifically with the LocalTrade project.

For this purpose, as well as in any other sphere, one of the most correct decisions is to invest in education of the new generation – the new generation of users.

For this purpose LocalTrade University was created – an organization with its own section on the exchange platform. This section is a special encyclopedia of knowledge about trading, blockchain, investments, strategies and other things. The site is constantly updated with guides, manuals, review articles, materials with secrets and strategies from experienced market participants.

But that’s not all. LocalTrade University plans regular offline tours with open lectures in all the key regions of the world. There, the best experts from the project will:

·        give lectures;

·        hold seminars;

·        Show their approaches and activities in practice;

·        answer questions from the community.

LocalTrade University’s cryptocurrency education tour is already underway in the Latin America region and will continue there until February 2022. The rapidly growing region, where a number of countries are already thinking about full legalization of some cryptocurrencies, has huge potential for the industry in general and for LocalTrade in particular.

LocalTrade University’s educational platform is designed to be at the helm of the development of the global blockchain sector. Starting now with the Latin America region, the exchange will organize and conduct large-scale offline tours that will take place in all other regions of the world (Europe, Asia, North America, Africa) and will improve the literacy of beginners in such areas as:

  •  Making money in the cryptocurrency market from scratch in terms of knowledge and investment;
  • prospectivity and actual figures of DeFi investing;
  •  Cryptocurrency mining, its types and profitability;
  • Cryptocurrency stacking as an alternative to classic mining;
  • ICO, as an excellent tool for investing in promising projects at the bottom of their value;
  • the differences between centralized and decentralized cryptocurrency trading platforms;
  •  the right strategies and approaches to forming a cryptocurrency investment portfolio;
  • many other topics, which are important for formation of correct knowledge in the sphere.
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