Category Archive : Financial Techniques

Best International Money Transfer Services

International money transfer services are a great way to send funds overseas. However, not all of them are created equal. To find the right one for you, it is important to know what features and benefits you want in your service. 

Here are some of the best international money transfer services that offer low fees and fast exchanges: XE, Transferwise, WorldRemit, MoneyGram International Inc., Western Union Financial Services Corporation, CurrencyFair Limited. If you’re looking for a reliable service to send remittances overseas or need an easy way to receive them in your home country’s currency without paying high rates upfront, these companies will help make it happen.

We’ve compiled a list of the top international money transfer services on the market. These companies offer competitive rates and customer service, so it’s no surprise they’re among our favorites. Take a look at them below to see how you can get started with your own international money transfers!

Financial Guru

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How To Use Social Media To Help People Become Financially Literate

Social Media has taken the whole globe by storm. Between our smart phones, tablets, laptops, desktops and smart watches we are able to send and receive information instantaneously. The internet is a great tool to acquire knowledge. There is an infinite amount of useful information that is accessible to us by just a few clicks or taps of our fingers. However, there is also a downside. With all information so easily being uploaded by just about anyone with internet access there is also a lot of misinformation out there. If you are a person trying to become more versed in a topic this can pose a challenge as to how to know what information is factual or not.

Financial wellness is a topic that every person should be knowledgeable about. We make decisions that impact our finances every single day. A person who has no guidance and is not financially literate is at risk for making poor money managing decisions that will ultimately impact both their future and how comfortably they are able to live their lifestyle. Money managing skills are not always taught by parents or in schools. This is causing the younger generation to struggle with spending and saving. People of all ages and walks of life struggle with how to properly manage their money. Even a person making a sizable salary could be living a less than comfortable lifestyle if they are unable to save and invest wisely or if they are spending outrageously. Even if a person does not feel like their finances are in poor shape there is always room for improvement.

A person seeking to learn about financial literacy may turn to the internet for answers. It is important that there are useful resources available to them in order to guide them with the facts on how to become more conscientious with their finances. There are many platforms available in social media that will help educate the public on financial wellness. A person seeking to educate the public could make YouTube videos to give financial advice in a visual and auditory way. A person could also make a Facebook page dedicated to posts and articles about financial literacy and how to make smarter financial decisions. A person could make podcasts to talk about financial wellness and educate the public. You could even and newsletters through an automated email.

What is business marketing? It is the marketing practice of a person or organization that allows them to sell their services or products to other companies to resell them or use them to support their own products. Through the tools of social media and business marketing, we can work to put out useful and relevant information regarding financial wellness. Anyone can become financially literate as long as there is information readily available. Everyone deserves to live the best life possible. In order to do this, a person must be knowledgeable about how to manage their finances and assets in order to live a comfortable life that is void of stress. Let’s work together to use social media to create a world more educated about financial literacy.

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How Politics Can Affect A Country’s Economy

You might be wondering how you can this can happen? It has been researched and seen its right that a country’s politics can affect its Economy. A country’s political stability directly interconnects with its economic growth. For a nation to grow economically, it must have an atmosphere of political easiness.
When we talk of politics, we are talking about power exercise. When we look at a country’s history, some economic powers are very crucial and run its activities. For example, the issue of taxation power and issuance of currency is in the realm of each country.


When you visit or study the current state in many countries, you will find that they control economic exchange between private sectors. This affects much on how a country will develop as the private sector inputs a lot of resources in its work.

So those enforced policies by the government commonly known as political factors affect economic growth, hence changing the living standard of its occupants. So, can we look into how these political factors play a vital role in the economic development?

1. The system of government
Ina country, the system that governs it plays a critical role. The government system can be authoritative, communist, and democratic among others. A government might influence business policies in a country that affects economic developments both personal and public.

2. Stability and instability of government structures
The government structures in a country are maybe durable and reliable. This will depend on the security of that country where there are no risks of conflicts either internal external. In a nation that possesses the high threat of terrorists makes it have instability, and this affects its business operations. Wars in a country harm the currency exchange rate when you compare it to other states globally. No, any investor will be willing to put his or her hard earned money in a place where there is no stability. So those country’s with less stable structures they experience slow growth in their economy.

3. Trade laws
This can be either national or international. The policies of a country are made by the political class, and these policies may affect a country’s strength in its import and exports. There can be trade tariffs passed by the politicians regarding trade and trade tariffs are reduced. The undeveloped or developed countries can see taxes that limit them from participating in the international trade fair. For example, Donald jr email on car tariffs where he stated: “companies doing businesses in the U.S. will receive huge tariffs if E.U. increases their massive tariffs and barrier

4. Corruption
This is a killer disease in most countries and has made several states to lag behind in their economic growth. Here we are talking on the dishonest levels and the illegal practices that happen across all businesses and amongst people in a particular country. The political class can use their power badly where they can be negatively influenced by companies where they receive bribes from wealthier firms who do not want any competition from new firms. The politicians will vote against those firms as they have accepted a bribe, hence a state of monopoly will develop and no economic development observed. This comes with services and commodities that are very expensive.

5. Management of government policies
It’s the work of government to monitor and enforce all policies made in a country. Businesses cannot operate well in states that do not incorporate copyright and piracy laws that create a firm not to maximize on their profits.

6. Political egocentrism
Some individuals may be left free even after committing serious crimes like treachery among others. It can rule out potential investors as they fear government misconduct activities by the political class. For example, Donald jr emails have two problems where they state the information was from a government source and was confidential which was not. He was found on wrong but his father the U.S. president advocated for him.

Best Ways To Save Money

In most societies around the world, money is an essential commodity. It is the means to avail everything. Food, shelter, and protection are necessary things which all humans need and usually sold for money. Finding oneself without money would mean losing access to these pivotal services. The importance of money cannot be overstated. As such, it is of crucial importance that we as individuals are responsible enough to make sure that we always have cash with us so that we can provide and take care of ourselves and our families. One way of accomplishing this is by saving up money.

 There are many ways of saving money. The primary qualities required for effective saving are patience and self-control. Here are some of the techniques through which you can save money:
1) Waiting for sales
Unless you require something, it always recommended that you wait for the sale period to kick in. Usually, items sold for their maximum price possible. However, during a sale period, the cost of items are slashed by huge margins. Sometimes an item can be bought for only 50% of its original price. In other instances, there may be attractive offers such as buy one get 1 free, buy 2 get one free or discounts on bulk shopping. As you can easily infer, waiting for a sale is a great way to get the product that you want while simultaneously saving a lot of money.
2) Buying in bulk
This goes hand in hand with the previous point. While you can always wait for items you don’t require immediately, such as clothes or electronics, to go on sale, the same cannot be said for products such as food and medicine which are needed on a daily and regular basis. Fruits, vegetables, and other food items are something which no one can do without. Therefore, to make maximum usage of the sales these items go on, you can buy in bulk. This will ensure that you have enough of material or food to last you till the next sale that comes along. This way you can avoid buying even items needed on a daily basis when they’re not on sale.
3) Collecting offers and coupons
Offers and coupons abound everywhere. It doesn’t require much effort to find them. They show up in newspapers, come with takeaway menus, are handed out at malls, provided with purchases, etc. However, most people throw them away because they are rarely ever of immediate use. The smarter move is to save them up by collecting them. Then, they’ll always be available if the offer is relevant to you.
4) Avoid eating out
Eating out is often a pretty expensive affair. Items in menus restaurants everywhere show high prices that charge a significant premium over merely the cost of the food. This is to account for the costs associated with buying and maintaining the property and paying the staff members and cooks. Food just as tasty as those available at restaurants can be prepared at home with a modicum of effort. However, the effort should be well worth it since you stand to save a great deal of money while simultaneously enjoying a fantastic meal.
In conclusion, if one keeps the principles of patience and self-control in mind, one should always be able to find new avenues and techniques for saving money and being thrifty.

What is the most cost effective email newsletter solution? Convertkit, Ontraport, Infusionsoft, or something else?

What is the most cost effective email newsletter solution?

Every marketing automation software toolkit solves the problems and address challenges of earlier Email marketing software versions. While doing this, they come up with other emerging problems. Challenging competition to develop to address the problem and the cycle continues. There is no perfect marketing toolkit. It all depends on the following factors. Budget, Email marketing automation function, value added service, subscriber list and ability to analyze and make a follow-up that turns into sales revenue In this article we will have an in-depth analysis on pros and cons of Convertkit, InfusionSoft, Ontraport and MailChimp Email marketing tools.




  • User-friendly interface that is flexible and easy to use.
  • Easy to develop an email campaign without any prior skills, very effective for beginners.
  • Easy to extract and transfer subscribers list.
  • Email Marketing tool is free though with limited subscriber list and suitable for enterprises with few subscribers and low budget.
  • More integrated functionality


  • Emails are prone to bouncing.
  • Templates are common hence filtered as spam.
  • It is expensive for few subscribers listing.
  • Double opt-in reducing subscriber listing.




  • Budget friendly for a large number of subscribers.
  • Automated marketing function that runs hand in hand with Email marketing.
  • Have value-added functions for its Email marketing
  • Easy to build campaign tools.
  • Well-designed and detailed toolkit.
  • It has plugins integrated into the tool to give out a more comprehensive Email marketing platform.


  • It is expensive.
  • No free trials for a test run purposes.




  • It is a detailed marketing tool that incorporates marketing and sales in the toolkit.
  • Being a full Customer Relationship management (CRM) toolkit, it gives out analysis of the Email marketing campaign tools.
  • Very efficient even for small enterprises with a limited subscribers list.
  • Gives a graphical representation of results of the Email marketing campaigns.



  • Not user-friendly, prior experience is needed to run and operate the Email marketing toolkit.
  • Not suitable for beginners.
  • Email marketing toolkit is complex with the complicated
  • If not well mastered, Emails do not reach the target market.




  • Affordable for big enterprises with a large number of subscriber lists.
  • It has an accommodative price model depending on budget and number of subscribers.
  • The Email reaches targeted individuals.
  • It is easy to make a follow up on actions taken on different campaign tools
  • It has automated and sequential Email marketing campaign tools
  • Customized Email templates hence no room for them to be filtered in the spam
  • It is possible to track Email and actions taken.



Generally, Email marketing is just a component in marketing. Some software programs have integrated it with CRM software to achieve a more detailed, specific and desirable results. Email marketing is an effective marketing tool, though if not well customized it might not result in sales. A good Email marketing tool should be able to send Email, show action taken by the receiver, subsequent follow-up and graphical presentation of the effect of the Email marketing as a strategy for marketing.