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Sergey Karshkov: 9 Pandas’ LeadRate Project

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LeadRate – a media buying agency – contacted 9 Pandas to design a landing page. 9 Pandas’ mission was to create a landing page that would differentiate LeadRate from its competitors, highlighting the company’s value proposition. The client did not have a specific technical brief, but rather gave 9 Pandas complete creative freedom.

Analysis of rival websites revealed a common trend. The most popular format among media agencies was a simple landing page featuring basic information, outlining the company’s services in a factual, emotionless way.

Recognising the power of emotional marketing in terms of appealing to visitors in a personal, human way, 9 Pandas came up with an entirely new concept, formulating a creative design with a cyberpunk edge. The landing page that 9 Pandas produced for LeadRate presents a series of illustrations as the visitor scrolls down the page; simulacra, nuancing the increasing cyberization of life.

LeadRate’s landing page incorporates the human element, with the first image depicting a busy city street scene after dark. Crowds bustle to and fro beneath skyscrapers and billboards. On closer inspection, it becomes apparent that each person is distracted, staring down at their mobile device; a common theme in everyday life.

Scrolling down, the eye is drawn to a display of monitors and TVs, featuring the familiar logos of Instagram, YouTube, Facebook and Google. Scrolling further, the visitor is confronted by a futuristic scene, incorporating robotics and a group of people using VR technology.

The final image depicts a dark corridor, scantly illuminated by strip lights and strewn with thick cables. In the corridor stand two colossal supercomputers: a mass of display panels and lights.

The campaign highlights LeadRate’s extensive digital-marketing experience, as well as showcasing the media buying agency’s commitment to leveraging the latest technology in the pursuit of excellence.

About 9 Pandas

Founded by Sergey Karshkov, 9 Pandas is a market-leading advertising agency that draws on is founder’s wealth of industry experience, leveraging innovative technology to create effective and engaging campaigns.

9 Pandas provides a variety of different services, supporting clients’ creative output in a range of different ways, from undertaking consumer research and creating marketing strategies; to developing web content, slogans, and scripts; to video production.

Not only does 9 Pandas provide clients with a full spectrum marketing service, but the company is also an employer of choice, investing in the development of its employees’ professional and personal skills, eliminating dress codes and bureaucracy, and providing its workforce with a recreational area as well as free meals and beverages.

Merchants From El Salvador Will Receive 100 PundiX Points Of Sale

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The firm PundiX Labs confirmed that it will join the adoption of bitcoin as legal currency in El Salvador, which took place from a law passed on Tuesday, June 8, 2021. The technology company will provide 100 points of sale as a donation. so that merchants can accept payments with the cryptocurrency.

The announcement was first made known by Zac Cheah himself, founder and CEO of PundiX, through a post on Twitter. Subsequently, the person in charge of International Technological and Economic Affairs of El Salvador in the United States, Mónica Taher, replied the news through a publication on the same social network.

Monica Taher expressed on Twitter her happiness for the PundiX donation. Source: Monica taher / twitter.com
According to the official PundiX site, the points of sale (also known as POS in English, for the acronym of Point of Sale ) have a minimum cost of 499 dollars and have no monthly maintenance fee; there is also a cheaper model whose price starts from 270 dollars.

Therefore, the firm’s donation would be between USD 27,000 and USD 49,900, depending on the model provided to merchants. Regarding the method of distribution of the devices, details have not yet been provided. It has also not been reported when they will begin to be delivered.

As Cheah’s message expresses, the company’s intention is to contribute to the “quick and easy” adoption of bitcoin in El Salvador. For her part, the Salvadoran official thanked the company for its initiative, as it allows “empowering entrepreneurs” in the country.

Far from settling for this, the CEO of PundiX posted another message in the early hours of Wednesday, June 9. In this case, he promised to donate another 100 cryptocurrency collection devices “to the government of the next Central American or Latin American nation to join the revolution.”

The legalization of bitcoin as a currency in El Salvador was completed in the last hours of Tuesday, as reported by CriptoNoticias. The approval was by a qualified majority in the Congress of the nation; 62 of the 84 deputies voted in favor of the project , which was presented by President Nayib Bukele himself for express treatment . The president had released the news on Saturday, June 5, at the Bitcoin Conference 2021, held in Miami.

PundiX, a benchmark for bitcoin payments in Latin America
Zac Cheah has publicly stated his appreciation of these types of adoption initiatives. He makes it more than clear on his Twitter profile: for example, he retweeted a post by a user who said: “The #LeyBitcoin will make El Salvador a pioneer among bitcoin nations. It is a revolutionary act. We are fortunate to witness this historic moment and to be a part of it.

However, its arrival in the different countries of America was already planned since 2019, when it planned to expand to Argentina, Brazil and Colombia, in addition to Venezuela. Today, the company has a headquarters in São Paulo, Brazil, operates throughout Latin America and even added in 2020 the alternative of processing payments with PayPal , as reported by this medium.

A Look at the Evolving Charm Bracelet

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Men and women might assume charm bracelets are a fairly new jewelry option. However, they existed in ancient times. Although the bracelet has undergone numerous changes over the centuries, people of all ages still love them. Nobody can say for certain when today’s version first appeared. Centuries ago, people would add miniature figurines, charms, and more to a bracelet before wearing it as an amulet. They believed doing so would protect them from bad luck and evil spirits.

Charms In Ancient Times

In fact, hunters would carry charms in the Neolithic area when they would go out looking for food. They felt this would keep them from harm as they foraged for food for the family. Men and women would make these bracelets using whatever they could find, including animal bones, clay, rocks, shells, and wood. Archeologists found 75,000-year-old shell charms in what is now Africa. They also found mammoth bone charms in modern-day Germany that date back 30,000 years.

However, it wasn’t until the ancient Egyptians that gold and silver were used for this purpose, or so historians believe. Pharaohs were often buried with their jewelry, including charms and charm bracelets. It is believed they did so to prove their identity to the gods as they entered the afterlife. These bracelets continued to evolve over the years, and the charm bracelets at Adina’s Jewels often show glimpses of this evolution.

Charms and Religion

In ancient Rome, individuals used charms as a symbol of their lives and their religious beliefs. Christians didn’t want the public to know they followed God, as they feared persecution. To make it easy for other Christians to identify them, they would carry a small charm shaped like a fish. The Greek word for fish was an acronym for Jesus Christ, Son of God, Savior. However, Greeks and Romans also wore other charms, as they were suspicious and believed the charms would ward off bad luck. Additionally, they used charms to show their respect for the gods.

Lockets were often worn, as people believed keeping the information close to the heart and body would allow the body to absorb it better. Jewish scholars often wore amulets around their necks and would carry small, written passages of Jewish law in the amulets for this reason. As men went off to war, they would carry a lock of hair from their wife or some other trinket in a necklace to bring them good luck and remind them of who was waiting at home for their safe return.

Queen Victoria’s Influence

Of all people, Queen Victoria probably had the most influence concerning the public’s perception of charm bracelets. She loved any type of charm, and her followers took notice. The elite and wealthy considered them luxurious fashion items and would wear them whenever possible. Thanks to Queen Victoria, sentimental and romantic charms have become commonplace. Her love affair with Prince Albert is well known in history, and many charms from that period in history contained secret love messages or endearments. In fact, many motifs and symbolism seen during this period in history continue to be seen in charm bracelets today.

The Industrial Age occurred around the time of Queen Victoria’s reign, and this likewise helped in terms of increasing the popularity of charm bracelets. Manufacturers could produce charms in large quantities, which meant more people had access to them. Mourning charms also become commonplace at this time, as people began to carry around pictures of a loved one or a lock of their hair in or on a charm.

In 1889, Tiffany & Co. designed their version of the popular bracelet. The original bracelet created by this company was nothing more than a delicate chain with a single heart dangling from it. People immediately fell in love and wore the bracelet as a status symbol. The company continues to make different versions of its original charm bracelet today.

World War II

During World War II, soldiers often collected trinkets. They used the trinkets to remind them of the women waiting for them back home, the men they served with, and their time in combat. Soldiers from Britain and other parts of Europe collected small trinkets as they traveled from battle to battle. They would find something that reminded them of that place and give it to a loved one at home as a present. There were times when they couldn’t buy items, so they would collect items they found or were given as a gift. They encapsulated memories of their time serving their country and captured their emotions during this tumultuous period. This marks the period when charms began being collected as souvenirs of good times. They allow the wearer to have a sentimental reminder of the good time with them wherever they go.

The Latter Half of the 20th Century

Thanks to their popularity during World War II, charm bracelets took off in America in the second half of the 20th century. Many girls received this type of bracelet for their 16th or 18th birthday, when they became engaged, or when they got married. Joan Crawford and Elizabeth Taylor are two celebrities who were seen in movies wearing bracelets of this type, which helped to fuel their popularity as well.

The charm bracelet went out of favor for a few decades. Although some women chose to continue wearing their charm bracelets, they weren’t seen everywhere one went. However, this bracelet has become fashionable once again, thanks in part to the many styles offered today.

Modern charm bracelets can be modified, depending on what the wearer wants at any given time. Charms can be added or removed as desired. This allows the wearer to change the bracelet depending on her mood or thoughts at that time, which helps to explain the popularity of charm bracelets. By changing one or more charms, the woman can have a new bracelet in a matter of minutes.

If you are planning to purchase new jewelry for the upcoming season, look into charm bracelets. With many styles available today, every woman will be able to find a bracelet she loves and one that reflects her personality. Check out the wide selection offered today, so you can have a bracelet you want to wear regularly, one that goes with everything you own with a quick change of charms.

5 Services You Can Sell Online to Make Money

There are many reasons you might need or want additional income. One way to attain this is to explore selling services online.

Following fairly simple steps, you can create and sell services to profit and grow your income. Here are five services that you can sell online to make money. Remember that some services require some practice, but if you stick with it, I have no doubts you’ll catch on.

Reseller Hosting 

Simply put, reseller hosting involves purchasing hard drive space and bandwidth from a hosting provider and then renting it out to your customers for a price. The profit you make will depend on the margin you get from selling an account. So, for example, if it costs you $10 a month to rent hosting space from a provider and you have three customers that charge $20 a month, you’ll make a profit of $50. However, as your customer base grows, you will likely have to rent more space. Fortunately, your profit will still grow as your customer base grows as long as you keep your margin in mind. You can learn more about reseller hosting packages at https://www.greengeeks.com/reseller-hosting.

Graphic Design

Graphic design is indeed something you can study at post-secondary school. However, it is also something you can teach and learn yourself. You can design things like blog graphics, Instagram content, logos, Pinterest board covers and pins, brochures, real estate pamphlets, cd covers, and so much more for a fee. You can charge by the hour or by the project. If someone wants all their Pinterest board covers re-done, that is a service you can offer. Take some time to learn the skill, and you’ll definitely be able to make money offering graphic design services. If you love being creative. This could be the ideal service for you. 

Social Media Management

With an estimated 3.96 billion people using social media and 91% of all US businesses, this is a service that is needed. Take some time and learn social media, and then turn it into a service. Some things you may be asked to do are to run ad campaigns, create high-quality content for each platform, maintain an online presence, analyze insights and make decisions to better the brand.

Fitness Coach Services

You can do this whether or not you are a personal trainer, so don’t skip reading this section just because you don’t have this certification. For example, let’s say you love walking. You walk every day to maintain your physical and mental health. Now, you start talking about it on your social media, and maybe you make a contest. A good contest might be whoever can walk 50km with you that month gets a free fitness tracker printable! It sounds kind of small and cheesy, but the general population loves freebies. And, most people love being cheered on and supported. You could build an entire community surrounding simply walking, and if your heart’s in it, and you’re genuine, I bet people would come asking about it. This, again, is simply an example. You could run “dollar day” boot camps, virtual fitness training, mom workout zoom calls, and so much more. (Your client pays a dollar to come to work out with you.) If you’re someone with even the slightest interest in fitness, there is definitely a need for service! Other examples of fitness services you can offer are meal planning, grocery list creation, yoga instruction, and personalized workout programs. You can also provide zoom calls to do weekly/monthly check-ins to ensure progress and goals are being met and live one-on-one training.

Virtual Assistant Services

A virtual assistant is someone who usually works from a remote home office space. Offer your services in areas such as scheduling meetings, organizing calendars, booking travel, performing market research, and answering emails. If you’re organized and tidy, this may be the perfect service for you to profit from. Keep track of zoom call minutes, organize group emails, and book travel, all while offering a meaningful and essential service!

Summary

These five services are simple and achievable. Whether you need to increase your income or you just want a little side hustle, these five services are sure to do just that for you.

5 Brazilian Butt Lift Benefits You Might Want To Know

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Nowadays, it is much easier to look our best. There are numerous cosmetic surgeries that we have access to so it is very simple to make those modifications we want in order to increase our confidence. The only problem is, most people do not know much about procedures. This is why we should mention the following huge benefits of having a Brazilian butt lift in Turkey.

Improved Body Proportions

Most people who undergo the Brazilian butt lift (also known as BBL) do so in order to improve some proportions they do not feel that are ok. Injections will enhance the butt and will give you the desired figure. The procedure is done in order to reshape the butt and allow the modification of the body’s natural curvature. It is much easier to have that hourglass feature you always wanted. Or, make the buttocks look bigger.

Reduced Fat Pockets

Most people do not know this but besides the fact that your butt will become higher, more shapely, and bigger, unwanted fat will also be removed from other body parts. During this procedure, the surgeon uses the fat that you already have. Some body areas are used to get fat from and the fat is reinjected into the buttocks. Some of the very common body areas used are:

  • Stomach
  • Lower back
  • Love handles

The BBL allows you to lose some fat from the areas that you do not want to have as big and then use that fat on your butt.

Achieve A Natural Feel And Look

Artificial fillers and implants may lead to unwanted situations in which results do not look natural. This is particularly useful in the event that the body shape you have changes. For instance, when you gain weight or when you lose weight.

The Brazilian butt lift stands out as a procedure that is quite useful since the results you get are much more natural. This is both in feel and look. Also, when losing weight or doing butt workouts, body shape changes accordingly.

Fast Results

Working out in a gym every single week is stressful and it can be quite difficult to deal with all the stress when you do not see results. With the Brazilian butt lift, you get the results much quicker. Although it takes time to heal, some BBL recovery garments and pillows can help you improve the results of your surgery.

Usually, results appear in just hours. Also, you can achieve better results no matter how much time you spend in a gym. And you just have to go to the doctor once.

A Safe Butt Enhancement Form

You are surely aware of several horrible cases in which cosmetic surgeries went bad. This cannot happen when you choose Bbl. However, we should highlight one very important thing.

The big problem with Brazilian butt lift is that way too many choose to go to doctors that are not good or visit clinics that are not safe. Fortunately, the only thing you need to do is to carefully research the clinic where the procedure is done. Read reviews and you will surely find someone that can be fully trusted. For instance, with Clinic Center, before you even go to Turkey you can speak with them directly because, they are registered in the UK and have an office in London. So before you set foot in Turkey for your operation, you will already have every information that you will need.

How Businesses Can Boost Their Engagement Level by Using Memes

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Since they are easy to create and simple to share, memes have become very popular on social media. Many of them are liked so much that they go viral with hundreds of thousands of shares in just a few days. With the potential of memes becoming apparent to marketers for raising brand awareness and boosting the level of engagement, memes have become more common in marketing campaigns. As successful as memes are, not everyone will like them or be able to relate to them. A few things to keep in mind, if you are considering leveraging the power of memes in your marketing campaigns:

Better Quality of Engagement

Memes permit brands to engage with their target audiences without engaging in hard-sell tactics and forcing advertisements down their throats. It is important in a context where most of the audience is learning fast how to ignore in-the-face advertising when they are online. In this situation, engaging the audience becomes very difficult for brands, according to Forbes. Memes, on the other hand, can be used to attract attention to the brand and to share the brand’s personality and ethos with the use of humor, entertainment, trending topics, and inspirational quotes. Since the content of the memes is easy to consume and share on social media, they can help boost the engagement rate. With memes being funny and less obvious as a vehicle for brand advertising, people let down their guard and engage with them more easily.

Memes Can Make Even Dull Brands Exciting and Fun

Because memes are entertaining and fun to consume, they can assist brands that are considered dull, to raise their profile on social media and become exciting. For example, marketers understood that nobody in their right minds would get excited over a bottle of ketchup and be tempted to engage with content featuring the common condiment just to get a discount on their next purchase. However, Heinz, a leading ketchup brand created a memorable meme-centric social media campaign with the target of generating one million impressions and managed to get four times that, according to Meme Scout, a leading resource of memes.

Memes Connect At an Emotional Level with Audiences and Allow Better Communication of the Brand Personality 

By using memes relevant to your industry that contain inspirational messages, you can reach out and connect with your target audiences better. With the help of appropriate messaging and visuals, you can communicate your brand ethos, values, and engage in telling a story that audiences can connect with and create an instant emotional response that can make your communication and your brand more appealing and memorable.

Conclusion 

Even as memes become increasingly popular with both brands and their audiences on social media, you must find ways of making yourself more relatable by your target audience, typically the millennials and the Gen Z that are more internet-savvy. Be sure to create memes for a specific target audience, as trying too hard to please a wide cross-section can fail. Also, riding the curve of trending memes and topics will ensure that your memes will engage better.

How to Play the Global Re-Opening with Copper Stocks

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Copper is a bellwether of the global economy. You’ll find this malleable metal everywhere – it’s in our wiring & plumbing, and our consumer electronics. When consumption rises, so does the price of copper.

So as our world emerges from the global pandemic, investing in copper makes sense. But you shouldn’t just choose any company. In this post, we’ll discuss four copper stocks that have captured our attention.

Jiangxi Copper (OTCMKTS:JIAXF)

China is where COVID-19 began. But thanks to their strict measures, they recovered very quickly. As you might expect, their economy has roared back to life. In Q1 2021, GDP shot up 18.3% YoY.

But what does this have to do with copper? As we mentioned above, copper is in many building materials and electronic consumer products. And with growth surging, demand for this mineral has been rising in lockstep.

On the Chinese mainland, there’s no company better positioned to profit than Jiangxi Copper, This firm is this country’s most prominent copper miner, producing 1.64 million tons of cathodes (sheets of pure copper) in 2020.

Back in January of that year, things looked gloomy. At that time, their OTC stock crashed to 0.24 per share as the COVID-19 outbreak peaked. However, as the country recovered, JIAXF rebounded to its present value of 2.17 per share.

But as good as their track record has been, it’s just the beginning. As the world recovers, they’ll increase their orders from China. And as they do, increasing economic activity will pull up copper demand right along with it. We like this stock.

Glencore (OTCMKTS:GLNCY)

If you’re going to adopt a strong copper position, why not go with the best? Swiss-based Glencore is one of the world’s largest producers of copper, digging out 1.26 million tons of ore in 2020. They are also well-diversified, with mines on five continents. And best of all, copper isn’t all they do. They also produce other minerals, like nickel, zinc, and lead, and even oil & gas.

With such a broad base of mineral/energy commodities in its portfolio, GLNCY is well-positioned to ride the post-COVID recovery wave. Already, it has fully recovered from the stock market crash of 2020. But they haven’t stopped there – over the past 15 months, GLNCY has gone from 2.37 to 9.32 per share.

However, the world is only starting to emerge from its economic slumber. As it does, demand for ALL commodities will spike. And Glencore will be there to supply them. While GLNCY is starting to get pricey for an OTC stock, it represents a well-established, well-diversified firm. We recommend buying a few GLNCY shares to rep the blue-chip section of your portfolio.

Taseko Mines Ltd (NYSEAMERICAN: TGB)

America may be the world’s wealthiest nation, but their neighbor to the north isn’t far behind. From sea to sea, Canada possesses mineral wealth that is the envy of the world. And that bounty includes copper – in 2019, its mines produced a half million tons of the shiny metal.

But sadly, the stock price of leading producers (like Teck Resources) are out of reach for many investors. Thankfully, it’s relatively easy to find junior copper miners that are a much better deal. For example, we love the value that Taseko Mines offers. This company owns Gibraltar Mine, an open-pit copper operation in British Columbia. Every year, they dig up 140 million pounds of copper ore, as well as 2.5 million pounds of molybdenum. That’s enough to make this operation the second-largest of its kind in Canada.

However, as of 2021, Gibraltar is the only mine in Taseko’s portfolio. This fact alone makes some investors hesitant to invest. But this situation is set to change soon, as TGB plans to break ground on three additional mines – Harmony, Prosperity, and Aley.

Since last year, many investors have piled into TGB, pushing its price from 0.22 to 2.44. And as the economy continues to improve and Taseko’s plans unfold, that number will likely go higher. Further, TGB is on the NYSE AMERICAN exchange. This stock exchange has more forgiving listing standards than the NYSE, but it still offers superior protection and liquidity compared to the OTC markets.

Turquoise Hill Resources Ltd (NYSE: TRQ

Never heard of Turquoise Hill Resources before? Neither have we, but you might have heard of its predecessor, Ivanhoe Mines. For decades, this Canadian mining major has had shovels in the ground everywhere from Australia to Myanmar, producing minerals like iron, gold… and copper.

Then in 2012, mining mega-corp Rio Tinto acquired them. They renamed their new acquisition Turquoise Hill Resources, leaving them to do what they did best. To this day, Turquoise continues to produce a wide range of minerals all over the world.

However, one project, one that’s been in the works for over 20 years, might be about to turn a corner. And if it does, it could change everything for this firm. In Mongolia, TRQ has been building out the infrastructure of an open-pit copper mine called Oyu Tolgoi. When it hits peak production, company representatives say the mine will produce 430,000 tons of copper – or about 3% of GLOBAL production – every single year.

However, as of June 2021, we feel that TRQ’s stock price hasn’t caught up to this reality. At its 2020 low, you could have bought this equity for less than 4.00 per share. Today, TRQ sits at 17.44 per share – pricey for penny investors, but it’s still less than half TRQ’s price six years ago.

If Oyu Tolgoi fulfills its promise, and copper spikes in the coming months (spoiler alert: it will), then we see TRQ as a solid pickup for your blue-chip portion of your portfolio.

The biggest changes to finance in the last ten years

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If you think back to 2009, the country and the financial world was reeling from the greatest economic crisis in a century. For the UK, the following decade was (and still is) a story of careful recovery. Ultimately, banking and finance had to be better – for customers, for society and for the economy.

But since then, mindsets and technology have played a decisive role in quickly evolving the industry. Today, we have many more terms to add to our vocabulary. Fintechs, contactless payments, open banking, cryptocurrencies, algorithmic trading. We’ve seen many changes over the past ten years, but here are some of the most impactful.

Automation

The growth of data and technology to improve efficiency and handle bigger and bigger transactions has to be one of the industry’s biggest drivers of change. From computerisation in the last century, it was in the 2010s when data-driven automation really took off. Automation has become the indispensable sidekick to the financier, whether for algorithmic trading or risk assessments.

The big banks were pushing for this level of automation at least a decade ago, if not earlier. The difference to today is volume. Deutsche Bank had an electronic trading arm for FICC and FX, headed by Zar Amrolia, as far back as 2012. Today, he runs a fintech company, a fraction of the size in headcount, that handles billions of dollars’ worth of trades every day, using data-driven automation. It pays to keep your eye on long-term technological change.

For all businesses, automation has made their finances simple and accurate. In fact, McKinsey found in 2018 that 42% of all finance operations could be automated, and a further 19% partially automated.

Mobile

The launch of the iPhone in 2007 was the harbinger for change in how we manage our money. As smartphones improved, they quickly went from phone-and-browser to something we just couldn’t live without.

Now there are banks that live only on our phones, like Starling, Monzo and Revolut, and the big banks have had to pay attention to keep up. This kind of innovation comes from the maxim that improving the lives of customers will improve your bottom line. It was the reason for the birth and for the success of US mobile payments app, Venmo. Co-founder Iqram Magdon-Ismail said in 2016 “Sometimes building something that directly improves your life is a great way to invent something that improves the lives of others.”

Today we can keep our digital credit cards, debit cards, loyalty cards and membership cards in one wallet app. Handy NFC integration, Apple Pay and Google Pay have made contactless payments a breeze, and apps like Venmo have made repaying friends after dinner a lot less awkward.

Open Banking

A recent happening, but a big one – open banking is revolutionary. It helps people understand and manage their finances and helps financial providers make better products and build stronger relationships. But what is it?

As of 2018, all UK banks must share their customers’ information with other financial providers if the customer gives consent. The Open Banking mechanism makes this secure so data is protected.

For customers, it means a single view of all financial information in one place, no matter how many accounts and policies they have with different banks, pension or insurance providers. And by sharing this information securely with businesses it also makes it easier to send payments directly from bank accounts. Research predicts that in Europe, online banking payments will overtake both credit and debit cards in popularity by 2022.

Open banking marks the beginning of a transformation from banks to financial platforms. Instead of a simple transactional relationship, the opportunity for providers lies in looking outside their own ecosystems. Ultimately, they become the customer’s trusted curator of personalised products and services, educating them on financial health and wellbeing.

If you painted a vision of today’s financial landscape and showed it to someone in 2009, they would think you a ridiculous dreamer. The proliferation of data-led products and services and automated operations is astounding. And if we look at how far we have come, just think where we will be in another ten years.

Work of Abdulla Al Humaidi Shows How to Seek Out Investment Opportunities

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When it comes to investment, there’s no one right way to seek out opportunities. This can be, in part, due to the fact that different investors or companies may have different metrics for success. Low volatility may be top of mind for one investor while another might prioritize high returns. Whatever your goals, however, it’s important to keep some fundamentals in mind when looking for ways to invest your funds. To better understand some of these fundamentals, we’re turned to the work of Abdulla Al Humaidi, CEO of Kuwaiti European Holding. The business leader has built a career on insightful investment practices and the following look at those efforts can be helpful to investors of all types.

Abdulla Al Humaidi Works Within Existing Expertise

One thing that can be helpful for individuals and organizations to keep in mind is to invest within their area of expertise. This doesn’t necessarily mean that an investor must only purchase assets about which they are an expert, but it does help to at least begins one’s search for potential investments in this fashion. The stronger one’s base of knowledge in a particular area, the more likely they may be to identify a fruitful investment. This can hold true when talking about alternative assets, like real estate, but also when looking at more traditional assets such as stocks or bonds.

When utilizing this idea with respect to the stock market, a savvy investor will do their research about the company in which they seek to invest. To do so, an existing knowledge base about the company’s area of operation can be useful. If, for instance, you know a lot about the mining sector, it can make sense for you to look into mining companies as potential investment opportunities. This initial exploration might later lead you to assets related to precious metals, for instance, or other mineable resources. In this way, starting one’s exploration of investment options within an existing area of expertise can ultimately lead to additional opportunities down the road.

The work of Abdulla Al Humaidi helps to showcase the power of this concept. Since the CEO has existing expertise in the purchase and development of real estate, he has often looked to this area to identify investment opportunities. This has led him to develop a range of properties, including resorts and tourist attractions. This has also allowed him to branch his work out into related areas such as the tourism sector and the field of entertainment.

Consider Your Metrics

As we highlighted at the start of this piece, investing is not a one-size-fits-all endeavor. Different investors can, and should, have different metrics that they want to prioritize when it comes to their investment efforts. Determining what metrics you may want to prioritize can play an important role in guiding your investment strategies. Once the relative significance of each metric is approximately determined, an investor can look to the specific types of asset classes that may best satisfy their preferences.

Volatility, as we’ve noted previously, can be a chief concern here. While investing is inherently risky, it can be important to identify what level of risk you might be willing to take on when engaging in a search for investment opportunities. Those seeking lower levels of risk might be more satisfied with certain types of bonds, which are often known as more stable investment vehicles.

The above types of investments, however, are often limited in their ability to provide high returns. If high returns are a primary concern then it may be useful to consider stocks or other types of securities. These investments can sometimes provide higher rates of return, however, they come with additional exposure to risk. Deciding which path to take in this regard can be tricky and in order to make an assessment as to which of these investment types might be right for you, you’ll want to think long and hard about what your investing priorities really are.

Abdulla Al Humaidi Builds on Past Success

While investments in stocks and bonds can be relatively hands-off, many types of investments, such as real estate, can require a higher degree of active effort. This is especially relevant to the work of Abdulla Al Humaidi in his efforts to develop properties around the world. Since this type of active investing can be so effortful and time-intensive, it can be helpful to build your investment options by leveraging past successes. In doing so, you can make more efficient use of your time and be more confident that your efforts may amount to continued success in the future.

We see this is in the CEO’s work through his company’s recent announcement of plans to create a themed amusement park in London. The themed park is set to open its doors in 2024 and has already built plenty of buzz around the world. The park will consist of multiple themed lands, drawing comparisons to Disneyland and Universal Studios. The plans have also already showcased a flair for attracting international buy-in that the business leader has honed from years in his field. This has been built on past successes both in property development and in the field of tourism and has helped him focus efforts in a more efficient manner rather than needing to learn key components of his work on the fly.

Know When to Divest

While many guides on investing will focus on when to enter into an investment, it’s less common to touch on the markers that may signal that it’s time to exit an investment. This can be detrimental to your investing efforts because the value of an investment can change over time and if you’re not able to react to these changes, you could be left with an asset that no longer holds the value it once did.

For this reason, keeping an eye on when to divest may be a valuable practice no matter what stage in the investment journey you are currently in. To do this, it can be helpful to be mindful of larger market forces that may have a direct impact on the field in which you are invested. If it seems public sentiment may be turning again the particular sector in which an investment operates, that may be a signal that it’s time for you to move on. Likewise, if the company in which you are invested seems to be underperforming in key areas, that may also be a sign to divest.

The decision leading to divestment can, ultimately, be as varied as the reason to invest in the first place. However, it’s at least important to touch on it here to acknowledge that investments can have a shelf life and that it may be useful for you to consider that shelf life when engaging in your investment efforts.

To close, it bears repeating that investment is not a one-size-fits-all approach. While the above guide can provide you with some key topics to consider when making an investment decision, it’s ultimately up to you to consider what areas may be most relevant to your particular situation. To aid in that consideration, the efforts of Abdulla Al Humaidi provide a great opportunity to draw insights from a business professional with a sizable track record of successful investing. His work with Kuwaiti European Holding can be instructive for investors of all sizes since it exemplifies a solid grasp of investment fundamentals and how one can implement them in their financial endeavors.

Does landlord insurance cover liability?

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Yes, landlord insurance typically includes landlord liability insurance, sometimes called property owner’s liability cover. It is important because along with possible injury claims from tenants, landlords are also responsible for any accidents or injuries at a property that involve a third party. Should anyone visiting the property suffer loss or damage resulting from negligence or poor building maintenance, they may leverage a claim against the landlord. To limit their exposure to risk and protect against claims, landlords can obtain property insurance including liability coverage through NimbleFins.

Successful liability claims can often result in large settlement payments, and the cost of a legal defence adds to the expense. Having landlords liability coverage will shield the property owner or landlord from paying costs out of pocket. Without the correct coverage in place, building owners or landlords will be personally responsible for paying any successful claims, and any costs associated with them. 

With annual property maintenance costs already running high, it is wise for landlords to protect themselves from additional expenses resulting from legal proceedings. For example, landlords typically spend around £256 on general maintenance a year, £313 on repairing structural damage, and £370 on refurbishment.

The amount of landlord insurance coverage needed will depend on the level of risk assessed. Compensation claims can run into tens or hundreds of thousands of pounds so limits will need to be adequate to meet the expense. Coverage limits for landlord insurance policies typically fall into the £2 million to £5 million range, with higher limits being needed for larger or older properties. 

For commercial properties that have a much higher exposure to risk, policies will need limits that are sufficient to protect from any potential claims. In addition, local authorities or other agencies may require landlords to have a policy in place with specified minimum limits. 

What is landlord insurance?

Landlord insurance is designed to shield landlords from claims made by renters. It can also cover building damages and provide protections against things such as non-payment of rent, accidental damage. Most basic landlord insurance policies start with building insurance and property owners’ liability insurance. Other protections may be added to the policy and limits are flexible to cover different levels of financial responsibility. For example, a single apartment will require much lower policy limits than a commercial office building. 

Landlord-tenant law requires certain criteria to be in terms of maintaining a safe and usable property, but there is still the chance that tenants may bring a claim against the property owner for a number of reasons. 

For claims brought against the landlord, having adequate landlord liability insurance in place will limit financial exposure and cover expensive settlement payments. Coverage typically includes protection from incidents like flooding, fire, or damage to the property from third parties. This can include things like breakages or defacement caused by vandalism or burglary. Malicious damage by tenants may also be covered but typically requires a special add-on to the policy. 

Does a landlord need property owners’ liability cover?

Although there is a reasonable risk of landlords being subject to injury or accident claims, property owners’ liability cover is not required by law. Acquiring a policy of this kind is completely optional for landlords. However, with the number of risks associated with property rental, most landlords recognise that having protection makes good business sense.

To make a liability claim the claimant has to prove that the landlord was negligent or failed to maintain the building to a safe standard but typically a large number of claims arise from things such as:

  • Uneven or damaged pathways
  • Damage or poorly maintained flooring
  • Falling plaster from ceilings or walls
  • Worn, loose, or uneven carpeting
  • Damaged stair rails or loose handrails

Landlords have a responsibility to keep their property safe and free from health hazards, and must perform the required safety inspections for items such as fire extinguishers, boilers, and electrical systems. Failure to maintain the proper inspections can void your insurance policy so it is important to ensure all checks are up to date.

How much does landlord insurance cost?

The average cost of a landlord insurance policy will fluctuate depending on the type of property being insured. Factors like the costs of rebuilding the property and the level of risk are calculated to determine premium amounts. According to NimbleFins, a standard policy for a typical one-family home that includes building and public liability cover only will have an average premium of around £170 a year.

This payment estimate does not cover additional protections which the landlord may choose to add such as:

  • Rental income protection
  • Accidental damage 
  • Content insurance

As more policy features are added the monthly premium will rise accordingly. Property location and age can also be a factor, with older properties tending to cost more to insure than their newer counterparts. 

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