Invest money at interest daily online. Where to invest money at a high interest rate with a guarantee. Principles of competent investment of the world's leading investors

Good afternoon, dear readers of the financial magazine "site"! Recently, investments on the Internet have become increasingly popular. That's what today's post will be about.

Readers of our article will find a lot of interesting things in it, namely:

• What are the features of investments using the Internet;
• What are the advantages of online investment, as well as what problems beginner investors may face;
• What are the most popular ways to invest on the Internet.

We also tried to answer the questions that most often arise from those who are interested in investing on the Internet.

This publication will be of particular interest to those who want to make money using modern methods of investing using the Internet. Read about all this and more right now!

About investing on the Internet: where to start investing and where you can invest money online, we will tell in this issue

Many not suspect that the Internet is not just an information space. Energetic and enterprising people, who also know how to think analytically, do not only communicate and have fun on the Internet. The network provides such people with great opportunities to realize their potential. As a result, some get quite serious money.

Do you want to earn money from the comfort of your home with only a computer and Internet access? Then promising financial instruments that allow you to invest online are just right for you.

Any reasonable person wants to get financial independence, to work for himself. Ideally, income should be passive , that is, after a certain time, a person spends a minimum of time on work, while receiving the maximum profit. This can be achieved if you make competent investments.

Using investments online, you can get:

• stable income that does not require labor investments;
• confidence in the future;
• free time that you can spend as you wish.

Any adult should understand that the main wealth is time. If it all goes to earn a living, then years are wasted. There is no opportunity to communicate with loved ones, engage in creativity, travel, engage in self-development.

This vicious circle can be broken if income does not depend on the time spent on work. Those who have not inherited a huge inheritance from their ancestors can be advised to use investments. After all, they are an example of an affordable and very effective option. passive income.

However, it should be understood that it is not enough to invest in the first project that caught your eye. An important condition without which it will not be possible to achieve success - smart investment approach .

Also, do not think that you will be able to get a lot of money without making any effort. In order for passive income to begin to bring money in the future, you need to make maximum efforts in the present.

Every step in investing should be considered, it is important to invest safely and after careful analysis.

Do not forget that any investment is associated with certain risks. And you need to be mentally prepared for this.

2. Advantages and disadvantages of online investment

Investments using the Internet, like any financial mechanism, have their own Benefits and limitations . Without knowledge of these traits, it is impossible to competently manage the invested capital.

The advantages of online investment are:

• high profitability;
• possibility ;
• free schedule of work and rest;
• there is no need to have a large amount of money to start making a profit;
• ease of management;
• the ability to withdraw funds at any time in the required amount.

Despite significant advantages, investing through the Internet has a significant drawback. It can be described as risk of losing money . In principle, such risks are inherent in all investment products, but they are especially relevant for online investments.

There are several components of this risk:

• inefficient conduct of activities by an investment company;
• investor mistakes;
• bankruptcy of various firms;
• hacker attacks;
• unseen circumstances.

The first point refers to trading risk . The investor can influence it. It is enough to competently and carefully analyze investment instruments and companies before investing in them.

The rest of the items refer to non-trading risk . Even experienced and highly competent investors cannot influence it. But don't be afraid. The situations described do not happen very often. The probability that an investor will be overtaken by non-trading risk with Internet investments is no greater than with others.

Thus, there are a number of benefits internet investment. They are quite simple and understandable on an intuitive level.

Flaw such investments have only one - risks. It is important to be aware of them so that you can take all possible steps to prevent them.

To make it easier to understand the risks, let's summarize them in a table:

3. How and where to start investing on the Internet - 5 main conditions

The main goal of beginners in the field of investing is Financial independence . Everyone wants to achieve it with the least financial and psychological problems. However, profit from investments is impossible without prior preparation.

At the same time, not only funds are needed to start investing, but also a certain baggage of skills and knowledge. Read about where you can get money for investment.

You also need to remember that there are a lot of scammers who swindle money from gullible investors. It is important to be able to identify them and beware.

A huge number of investment options can drive beginners to a standstill. Moreover, some of them require serious financial knowledge, which means they are not at all suitable for beginners.

All these factors lead to the fact that a number of conditions are imposed on newcomers to the online investment market.

Basic requirements for beginners when investing online

Condition 1. At least minimal knowledge in the field of finance and economics

No one will dive deep if they can't swim. But a lot of newcomers are trying to invest without understanding economics at all. As a result, instead of tangible profits, huge losses are obtained. That is why you should not invest even in a seemingly very successful project without knowing the basic foundations of successful investments.

At the same time, at all not necessary have a higher economic or financial education. It is quite possible to study the principles, as well as the mechanisms of profitable investment yourself. It won't take too long.

It is best to start with the forums and blogs available on the Internet on relevant topics. After that, you can start studying specialized publications.

Do not be afraid, a huge number of books have been written quite understandable and in plain language . And they are no less useful than most abstruse literature.

With a great desire and due diligence to understand the basics of investing, it is enough to spend about two weeks.

A good example of useful literature is the book Rich Dad's Guide to Investing written by Robert Kiyosaki.

Condition 2. Quality Internet access

An important condition for successful investment is a stable and high-speed Internet. Often this factor has a significant impact on the success and profitability of investments.

It is important not only to have a stable connection. All payment systems and wallets used in working with money must be financially secure. This will help keep your money safe.

Condition 3. Resilience to stress

To be successful, an investor must necessarily be resilient to high levels of stress. It is equally important to have the right mental attitude.

Any normal person will worry if he has to lose his money. It is important that these experiences do not become an obsessive fear, otherwise they will interfere with a sober assessment of the situation and make an informed decision.

You should tune in to the fact that it is impossible to get a quick profit from investments. It is important to be prepared for the fact that the result will have to wait for a rather long time (especially at the beginning of your investment journey).

The first successes may appear not earlier than in a few months. Furthermore, In investing, the rule is: The longer the term of investment, the higher their profitability.

Condition 4. It is important to be objective

The investor must be able to soberly assess the opportunities available to him. No one has yet managed to earn more than the chosen investment instrument allows.

Investments should be made gradually. Before that, it is important to set specific goals for yourself, as well as determine the timing of their achievement.

Condition 5. The investor must be prepared for financial losses

Any investment is associated with the risk of losing part of the invested funds. Beginners have a much higher level of risk, because they do not have experience in effective risk management.

Investors must understand that it does not happen that absolutely all operations are profitable. Some of them will be unprofitable anyway.

No one can get rid of losses, even professionals. It is important to be able to treat losses calmly, not to make spontaneous decisions and to conduct a thorough analysis of the situation.

If all the above conditions are met at the same time, the probability of making a profit from investments is significantly increased.

At first glance, it seems that it is unrealistic to fulfill them. However, with experience, the attitude towards them changes and these rules seem to be self-evident.

Proven ways to invest money online

4. Investing on the Internet - TOP 15 ways to invest money online

Those who have even a small amount of free cash tend to keep it. But this is not enough. I would also like to increase them. We already talked about that in the last issue.

Currently, there are various investment options. Among them, investments via the Internet are becoming more and more popular. They are of great variety.

Method 1. Forex

One of the most popular ways to invest online is to invest in Forex. A trader deposits funds into a trading account and makes a profit by conducting transactions in the foreign exchange market. Income is generated by changing the exchange rates of currency pairs. You can start by reading our article.

On the one hand, investing in Forex currency transactions is akin to investments. However, on the other hand, it is weakly similar to passive income.

To make money, you will need a certain amount of knowledge, as well as time spent on transactions and analysis of the market situation.

At the same time, income can be obtained much faster than with other investment methods (in a good scenario, even up to 1 month).

When trading binary options, an investor can pay attention to any, even minor changes in the market. In any case, you can get a tangible income. This is another advantage of binary options, since when investing in other instruments, you can earn a good profit only on significant fluctuations.

Binary options trading is easy to understand. It doesn't matter how many pips the price will change by. If it goes in the right direction for the investor, even with a difference in 1 point the investor will receive a predetermined amount of profit.

A binary option is based on an asset. It can be Not only currencies, but also securities, precious metals, indices And so on. Thanks to this diversity, the investor has the opportunity to more actively pursue a policy of risk diversification. Moreover, the liquidity of binary options is at a fairly high level.

Without a doubt, to be successful when investing in binary options, you need to make significant efforts and master a fairly large amount of information.

The use of such a financial instrument attracts investors by the fact that in the binary options market you can actively develop, apply and test your own trading strategies. At the same time, even small market fluctuations can bring tangible income.

Method 4. Shares (stock market)

Another way of investing, which undoubtedly deserves attention, is investment in shares. However, even here there is no possibility to exclude certain risks. We wrote about trading in the stock market (securities market) in a separate article "".

Previously, online investing in stocks was associated with simple and large earnings. However, now, after the financial crisis, the shares of even the largest companies, which are called blue chips lost their positions. Moreover, in today's situation it is becoming increasingly difficult to correctly predict their behavior.

Investors should understand that investing in stocks brings tangible returns only long term .

In this case, you can earn in two ways:

1. On the Internet, investors most often engage in stock speculation (buy cheaper and sell more expensive). But such operations are associated with an increased risk due to the instability of quotes and the possibility of a fall in the rate. Helps reduce risk choosing the right stock for investment.
2. You can earn income from shares in the form of dividends . They are paid to shareholders every year. Before earning income in this way, it is important to find out on which shares and in what amount dividends are paid.

To trade stocks online, you must obtain a digital signature. You can trade through a special interface on a specific site or in a program provided by a broker.

Depositing funds to the site is possible in cash and non-cash form. Electronic wallets (for example, WebMoney) are used much less frequently. Withdrawal of funds is most often possible only to a bank account.

The investor should not forget that the income received from working with shares must be taxed. Individuals transfer to the budget 13 % of profit.

Online investment in stocks has both advantages and disadvantages:

• plus speculative transactions with these securities is high level of profit.
• cons a few more. It is the need to pay tax as well extreme market volatility.

In addition, unlike most other ways to make money on the Internet, when trading stocks, it is almost impossible to withdraw profits to electronic wallets.

Method 5. Investing in gold

Gold is very interesting investment tool. For many years, its value has been continuously increasing in the long term. That is why gold can be used when need save and increase a fairly large sum of money. But this metal is not suitable for quick income. The fact is that today gold is already quite expensive, and the growth of its value has begun to slow down.

You can invest in gold over the Internet using WebMoney. Since 2007, the function of selling gold has been operating in this electronic money system. This function is implemented through the opening of a WebMoneyGold wallet, on which funds are stored in gold. 995 samples.

The account currency is measured in wmg, the unit of this value is 1 gram of gold. The guarantor of the transaction is WMMetalsFZE, which is located in the UAE. Her website has all the information you need to work with gold accounts.

There are several ways to buy gold in wmg form:

• using Internet exchangers;
• through the automatic exchanger wm.exchanger.ru;
• by transferring money to the account.

The investor is given the opportunity, if desired, to exchange wmg for gold bullion. True, for this you will have to come to the WMMetalsFZE office.

But it should be borne in mind that the purchase of bars is less profitable than the purchase of electronic gold, since bars are taxed tax. Naturally, additional payments increase investment costs.

Thus, the benefit of online investment in gold is price stability. However, one cannot count on significant profit in the current situation, because the value of the asset has almost reached its maximum today.

Method 6. Precious metals in the form of compulsory medical insurance

Various precious metals (e.g. gold, platinum and silver) you can buy it virtually if you want. This can be done by using depersonalized metal accounts (OMS) .

CHI- a great way to invest, as this instrument is tax-free. In addition, CHI guarantees a stable reliable income. This is due to the continuous growth of precious metals in the long term.

Investing in depersonalized metal accounts is carried out according to the following scheme:

1. Opening a metal account in a bank;
2. Depositing metal into the account in terms of monetary units.

Traditionally, CHIs are opened for 12 months . Subsequently, at the request of the client, such an account can be extended.

The profitability of unallocated metal accounts is determined by the change in the cost of metals in the markets within the country and around the world. Taking into account the fact that the price of precious metals decreases very rarely, investing in CHI for the long term practically guarantees an increase in the amount in the account.

1. "Ultima" operates on the Russian market since 1996. This company offers the investor a large number of investment instruments to choose from. Among them are also investment in gold. Features of Ultima lies in the insurance of investments. Investors are offered support with the provision of all necessary information and analytics. Ultima guarantees that all transactions are completely transparent, if desired, the investor can at any time receive a report on the status of their investments.
2. SotsAgroFinance- a company that is engaged not only in financial transactions. But also production. She specializes in investing in precious metals, as well as gold mining industry. Investors are offered deposits, the profitability of which is fixed. The company raises funds in the real production sector. Despite the fact that the project is still very young, experts consider the company a promising participant in the financial market.

Method 7. Websites

One of the most popular ways to invest money online are investments in Internet projects(websites, online services) followed by monetization. For this it is necessary Create new(See) or buy an existing site . It is important to evaluate the benefits of investing in such a resource, to promote and monetize it.

The level and regularity of the received profit is largely determined by how much effort (and money) is invested in its development. If the site is not engaged, it will very quickly cease to attract an audience, and the profit will dry up.

The disadvantage of using websites as an investment tool is the need to invest in it not only money, but also certain efforts. That is, this tool is more akin to work than passive investment.

Method 8. Startups

Those who are interested in investing in startups should remember that no one can guarantee that the project will bring profit. Furthermore, experts consider the following indicators to be normal: 20 % of invested projects bring profit, 60 % - pay off the investments remaining 20 % fail completely.

By the way, in one of the previous articles we told, in simple words.

The amount of investment in startups is unlimited. You can deposit as a few thousand rubles, and millions of dollars. It is important to remember that the amount of investments should be determined in accordance with an objective assessment of both the project itself and its team.

It is best to invest in those projects that are already developing and are beginning to bring certain results. In this regard, start-up projects that have just appeared or are at the concept stage are less preferable.

It is important to remember that investing in new projects is quite risky. However, if successful, such an investment can bring much greater profits. At the same time, a huge amount of resources on the Internet has led to the fact that in order to achieve success, the project must be inimitable and unique.

When looking for a promising startup, experts recommend paying attention to those resources whose topics correspond to the area in which the investor is quite well versed.

When the project is selected, the terms of cooperation and investment should be discussed with its owner. It is at this time that two important investment points are determined:

1. What form will the investment take? It can be cash, a domain, and other investments.
2. How will the investor receive income?, for example, in the form of a return on investment with interest, or the investor will take a certain share in a startup.

It turns out that investing in startups has significant disadvantages. This is a high level of risk as well as a significant investment. At the same time, the success of the project will allow you to get huge profits.

Method 9. Online stores

In the modern world, the Internet provides an opportunity to actively trade almost anything. At the same time, it is possible to successfully promote not only various goods and services, but also websites, as well as various intellectual products and information.

However, the development of online platforms requires an investment of money, which can sometimes be quite significant. At the same time, their owners do not always have such funds.

As a result, in order to implement the project and start receiving income from it, its owners are looking for investors. For the fact that they invest their money in the project, the owners pay fairly high interest to investors.

Method 10. Investing in domains

There are a huge number of sites on the Internet. Therefore, many beautiful domain names have long been taken. Therefore, a new type of income generation has appeared - the purchase and sale of domains.

The returns on such investments can be substantial. Those who bought website addresses in the early 2000s for about 500 rubles, today they can sell them more than 20 000. It turns out that the profit from such a transaction is about 250% per year.

If you managed to acquire a two-letter domain, you can sell it for about 10 000 dollars. The semantic names of sites do cost several tens of thousands of dollars. Stories are known and transactions for exorbitant amounts - near million dollars.

Register a beautiful website name today practically unreal because most of them are already busy. Significant profits can be made if domains are associated with popular events. But it will have to react incredibly quickly.

It turns out that online investment in domains can be made exclusively in the secondary market. In other words, you can buy domains at online auctions or from their direct owners. True, after that you will have to be able to sell them at a higher price.

It is almost impossible for a non-specialist to invest in domains. This requires not only a huge amount of time, but also a lot of effort. At the same time, it is important be able to assess the prospects of the acquired domain. If this is not done correctly, situations are possible when investments not only do not bring income, but do not even pay for themselves.

Therefore, investments in domains are most often carried out by professionals. If an ordinary investor decides to use this tool for making money, he must take into account the following rules:

1. Do not invest in exotic country domains. They are quite expensive, but the prospect of their price growth is rather doubtful. Specialists are considering the possibility of their rise in price after good addresses in the zone run out com. But no one can guarantee that a new English-speaking zone will not appear. That is, the purchase of such domains is associated with significant risk.
2. When acquiring, it is best to choose names that carry a semantic load. English words are popular, as well as high-quality transliteration of Russian words, especially if they relate to commercial topics. Two- and three-character combinations, as well as beautiful combinations of letters and numbers, also have value.

Guided by these criteria, the investor must be prepared for significant financial expenses, which usually start from five thousand dollars. More affordable options are often offered on domain forums.

Thus, investing through the acquisition of domains is characterized by significant profits over a long time period. (more 5 years). The disadvantage of such investments is that the best site names have long been bought, while investing in the secondary market is associated with significant risk.

Method 11. Debt online service WebMoney Debt

For investment, you can choose another interesting tool - debt service offered by the e-wallet system WebMoney.

There are several advantages to this option:

• high interest (often reaching 25 -100 % per annum);
• no need to spend a lot of time.

All this makes such investments an excellent option for passive income.

How it works

The borrower opens a line of credit, the amount of which can reach 10 000 wmz. He also receives trust limit , which allows you to characterize how consistent and reliable it is.

The borrower can choose the appropriate loan terms: amount, term and interest rate. In this case, the settings are made through the service WM Transfer.

You can issue loans both to those whom the investor knows, and to complete strangers. To minimize the risk of issuing a loan, you need to carefully study the data of the borrowers to whom the investor plans to issue a loan.

Particular attention should be paid to the size TL. This indicator determines degree of trust to the borrower from other users of the service. Especially large borrowers have a limit that exceeds 50 000 points. But smaller values ​​can also be quite good indicators.

Debt service has another way to protect creditors. If the borrower for some reason does not begin to repay the loan, his payment will be made at the expense of other creditors who have opened a trust limit for this borrower. That is, a new loan will be opened for an insolvent borrower, with the help of which the old one will be closed.

Also, with loans in the WebMoney system, an important indicator is the so-called business layer (BL). It allows you to determine for what purposes borrowed funds are used.

An investor who decides to invest in loans through this service needs to take into account several points:

• As soon as the borrower is selected, the conditions for issuing a loan through the WMTransfer service are set up. It is on the basis of the indicated conditions that the investor will be able to claim his funds.
• Next, the money is transferred to the borrower's account. For this, the e-wallet system charges a commission - 0,8 % from the sum. When repaying the loan, the commission will be paid by the borrower.

However, there is a downside to this type of investment. It lies in the fact that after the trust limit is determined for the borrower, he may not use it immediately or not take a loan at all. There are many reasons for this, for example, at this moment the borrower does not need money or he has other trust limits (quite possibly, on more favorable terms).

Method 12. Issuing money to an online lending service

With this method of investing, the investor can no longer determine the terms of the loan. He chooses loan services with parameters that he considers optimal. After that, the investor lends his money to the resource. The most common loan term is 1 to 6 months, and the interest rate is about 25 %.

It turns out that in the case under consideration, the borrower is a service online loans . May also borrow funds and resources to currency exchange in the Internet.

To search for this type of borrowers, an investor can use search engines or statistical data provided by the WebMoney electronic money service.

Thus, issuing loans to various services is a good way to passively earn money. However, do not forget that it has a high level of risk. This is due to the fact that there is a possibility of non-repayment of the loan.

Method 13. Budget machines

Another interesting way to invest online is budget machines (BA). It is provided by WebMoney through the portal shareholder.ru.

In budget machines, the wmz electronic currency is used. BA happen closed and public. For investment use public . They are similar to joint-stock companies that sell their shares in the public domain.

By going to the above portal, the investor can see which shares of budget machines are for sale and at what cost. Most often they offer their shares online lending services , as well as various exchangers .

By analogy with shares, an investor who buys a share receives the right to vote on decisions regarding the management of the budget machine. The BA, which has placed the shares, undertakes to buy them back at a price that is below the market level. In addition, the investor who bought the shares is entitled to dividends , which make up 25 -40 % and can be paid several times during the calendar year.

In general, participation in budget slots is a fairly profitable online investment tool. At the same time, the risks lie in the possibility of a fall in the market value of the share, as well as in fluctuations in exchange rates.

Method 14. Private online lending

You can also invest money online through private lending . This can be done both directly and using the exchange of loans offered by the WebMoney electronic money service.

The principle of operation is quite simple. Borrowers place loan applications on the stock exchange. Investors, studying their list, choose those borrowers that suit them best. It should be borne in mind that the best applications are sorted out very quickly. Therefore, investing your money in a short time can be quite difficult.

When looking for a borrower, an investor should pay attention to a number of important parameters:

• BL of the potential borrower (must be not less 200 );
• the presence of the so-called personal passport, which means that the borrower has confirmed his personal data in the system;
• whether the user has a positive borrowing history.

This approach helps the investor to significantly reduce the risk of non-repayment of funds. Moreover, lenders who have a lot of experience develop their own ways to check the borrower. They also create blacklists, which include users who are considered unscrupulous. This allows investors to significantly reduce the possibility of fraud.

All of the above applies to lending using the WebMoney service. If the investor decides to issue a loan directly, he can use a variety of professional resources to find a borrower - communities and forums . The advantage of this option is that the investor can communicate with the potential borrower directly, after which he forms his own opinion about him as a person.

Regardless of how the search for a borrower is carried out, there is a certain risk that the funds issued on credit will not be returned. The so-called risk diversification.

In other words, the investor can allocate the funds he plans to invest, between multiple borrowers. It turns out that even if one of the borrowers does not repay the loan, the investor's losses will be covered by the income that he will receive from other loans issued.

Experts do not recommend this way of investing beginners. This is explained quite simply.- lending to a small number of borrowers is accompanied by a high level of riskiness, while income is much lower than desired.

To get really big profits from online lending, you need to spend a lot of time working with them and minimizing the risk.

Method 15. HYIPs

There are other interesting projects for investment on the Internet - these are HYIPs (HYIP) . This concept was formed as an abbreviation from the English phrase H igh Y ield I investment P program. Translated into Russian, this means investment program that brings high income .

HYIP is a project that promises investors a high level of income. As with any other investment product, high returns for HYIP come with significant risks.

Some people think that hype is common scam. However, many investors manage to earn substantial profits from them. To do this, it is enough to choose a project in which the turnover of funds will be as transparent as possible.

It is important to understand that any HYIP has a limited lifespan. Particularly honest companies openly declare this to investors.

To make good money on HYIP, you should follow a few simple rules:

• funds should be invested as early as possible from the moment the project appears;
• investments must be divided between several HYIPs (at least three);
• it is best to withdraw profit in parts;
• Before investing in a project, you should carefully familiarize yourself with the principles of the project.

Compliance with all these rules will help you get good money from investing in HYIPs.

Thus, a large number of investment tools can be found on the Internet. All of them have how Benefits, and limitations . To make good money, it is important to choose the right tool.

The choice of investment object also depends on how much the investor has. In one of our publications, we told, (half a million), a million or more to earn.

For the convenience of choosing an instrument for investing, we summarize their main features in the table.

No. p / p	Investment tool	pros	Minuses
1	Forex	High earning potential	Requires a lot of time and effort to trade
2	PAMM accounts	Money is transferred to the management of a professional trader	The risk of a wrong choice of a trader
3	Binary Options	Easy to understand Potential gains and losses are predetermined	Knowledge is needed to correctly predict the situation
4	Stock	High profit	Market instability Necessity to pay income tax
5	Investment in gold	Precious metal price stability	The price of gold has almost reached its maximum
6	Precious metals in the form of CHI	In the long run, profit is inevitable	Low profitability
7	Web sites	With due diligence, you can get quite a lot of income.	You will have to work continuously, otherwise the profitability of the site will come to naught
8	Startups	If successful, the profit will be huge	High level of risk Significant amount of investment
9	Online store	High yield	Difficult to find a promising project
10	Investments in domains	Substantial profit	Almost impossible to buy a domain in the primary market High riskiness
11	Debt service WebMoney	High yield	The borrower may not use the credit line immediately Risk of default
12	Issuance of money through services	Quality passive income	High riskiness
13	Budget machines	High profitability	The risk of a fall in the value of shares and a fall in exchange rates
14	Private online lending	High yield	Large investment required High risk
15	Hype	High yield	Huge level of risk Akin to a pyramid scheme

5. TOP 7 golden rules of Internet investing

Many people perceive Internet investing as a great way to make significant profits. It is quite natural that a large number of newcomers decide to invest. However, many of them make the same common mistakes.

However, most of the problems could be avoided if you follow a number of investment rules, which experts call golden. As soon as beginners learn, understand these rules and begin to actively use them in their activities, the return on investment increases significantly, while the risks are reduced.

So, what rules should be remembered and observed?

Basic rules for online investing

Rule 1. Don't invest in funds that don't belong to you.

You should never invest money that you have borrowed. If any mistake occurs when choosing an instrument, you will not only lose money, but you will also have to return the funds to the lender. Therefore, for those who have no money, it is best wait and collect required for investment.

Rule 2. You should not invest the last money

You cannot invest all the money you have available. It is important to remember that investments are always associated with tangible risks of losing funds. Therefore, the investor must always have a certain financial reserve, the so-called airbag .

Then, even in the event of an unsuccessful investment, he will not be left without a livelihood and will not lead his family to a situation where it will not be possible to pay even the mandatory payments and there will not be enough money even for the most necessary things.

Rule 3. Develop an investment plan

An investor is unlikely to be successful if not develop an investment strategy. Moreover, the lack of a pre-designed strategy leads to the fact that investments cannot be called full-fledged investments.

It is important not only to think carefully about the action plan. It is advisable to write it down, and subsequently try not to deviate from it. All changes to the strategy should be made only after a thorough analysis of previous investment results.

You can not change the plan at the time of investment based only on emotions and momentary desire.

Rule 4. Continually increase the amount of invested funds

All investment instruments involve investing money in order to make a profit. Naturally, the level of income depends on the amount invested. Therefore, you can increase income only regularly increasing invested capital.

You can increase your invested capital by saving money from your main source of income. There is another option - not to withdraw the earned profit completely. Part of it can be used to increase the invested amount.

Investors constantly argue about how much to increase their capital each month. Like all other parameters, the amount of increase should be set purely individually. Somebody believes that in order to achieve financial independence as soon as possible, all available funds should be invested. Other It's hard to save even a small amount.

So where is it profitable to invest your money so that they work? In this article, we will look at 5 popular ways to invest funds that have stood the test of time.

Hello, friends! Alexander Berezhnov is with you, entrepreneur and one of the founders of the HiterBober.ru website.

In writing this article, I relied on my experience, the experience of my friends, and also studied a huge amount of materials and talked with large millionaire investors in order to give the most competent and detailed answer.

With this post, I begin a series of articles on the topic “Where to invest money”.

Here we will consider both popular ways of investing money and “exotic” ones. I will highlight the advantages and disadvantages of each of them, and at the very end I will summarize our review.

At the end of the article, I will tell you where you should NOT invest money so as not to burn out. So let's go!

1. Principles of competent investment or what experienced investors look for

Here we will look at the principles that should be followed in order to get a percentage of your investments above the bank rate with almost the same reliability.

Why do I say that almost the same? Remember the golden rule of investing?

Profit is always proportional to the risks that the investor takes on!

It may seem banal for some, but the first thing you should start investing with is to acquire the necessary knowledge. This means that it is best to invest the first money not in stocks, not in gold, not in a bank, but to invest in yourself - they will pay off many times over. This is what the two richest men in the world, Bill Gates and Warren Buffett, recommend doing.

After you have the necessary knowledge and understanding of various financial instruments, their principles of operation, expected profits and risks, you can move on to practice.

Principles of competent investment of the world's leading investors

Principle 1. Create a financial cushion

This means that without a certain financial base, it is STRICTLY FORBIDDEN to invest. The only exception is a bank deposit, as it is rather not an investment, but a savings instrument.

What is a financial cushion and how to create it?

financial cushion- this is a six-month supply of money that you and your family can live on while maintaining the usual standard of living, having no other sources of income.

You can create such a pillow by regularly postponing financial receipts (salary) or by selling existing property.

For example, if your family is used to living on 50,000 rubles a month, then you must have at least 300,000 rubles to start investing.

The exception when you can start investing money at interest without having a financial cushion is if you have passive income.

Passive income- the flow of money coming to you, which does not depend on your daily efforts, such as renting out real estate, stock dividends or profits from an existing business.

Principle 2. Diversify investments

For your money to work correctly, think about where to invest it in order to comply with the principle of diversification, that is, the division of funds into different investment instruments.

If you have become interested in the topic of investing, then surely this concept is familiar to you. In other words, this means " don't put all your eggs in one basket". If you have a basket of eggs and it falls, then all the eggs in it will break and you will be left with nothing.

This will happen with your savings (savings), if you invest them all in one business (project) or investment instrument.

By the way, diversification involves not only investing in different financial instruments, but also in different sectors of the economy.

For example, if you invest in the stock market, then try to form your investment portfolio* so that your money works in companies of different sectors.

Investment portfolio- the totality of all assets of the investor. For example, if you have a deposit in a bank, stocks, real estate, a business - all these tools for making a profit in terms of investments will be called your investment portfolio.

To make your investment portfolio as resilient as possible to market changes, invest 20% of free funds in the banking sector, 20% in the oil and gas sector, 20% in the manufacturing sector, and 20% in the agricultural or food sector.

So, if one company (sphere) starts to suffer losses, then the rest will “pull” your funds up and will not let the portfolio sink.

Principle 3: Manage risks

Risks- this is the main "problem" that absolutely all investors face.

Remember, before you invest money somewhere, think about how much you can lose and only then - how much can you earn.

Unfortunately, beginners make the same mistake - their eyes light up, dollar signs appear instead of pupils, and now they are already rubbing their hands in anticipation of millions.

How are things in practice?

But in practice - everything is different! Having overestimated their strength and experience, many people immediately try to engage in aggressive investing and lose money, instead of investing in more conservative instruments. So it turns out in the end that the greed of the fraer ruined ...

Investments are the same science as any other professional business, which means that you need to evolve in this direction gradually, going from simple to complex.

Start with 100 or with 1000 dollars, and God forbid you invest large amounts at once, especially in what you do not understand!

The height of illiteracy here is to borrow money at interest and try to quickly "crank" them in some "super profitable" way.

In 99% out of 100, this ends with the loss of the entire amount and the credit burden that hangs over you like a sword of Damocles.

Do not rush, because if you become an investment specialist, then your future millions will not run away from you anywhere. On the contrary, if you rush and try to get rich instantly, then there is a great chance that you will never earn big money.

Principle 4. Attract co-investors

As you gain experience as an investor, you can invest together to form investment pools. So you can get more opportunities - where to invest money so that they work with maximum efficiency.

For example, you have found a project or tool that you think is attractive for investment, you have free funds, but they are not enough. Then find those who are ready to support your investment idea and invest money on a parity basis with you.

In recent years, a fairly common topic has become pamm accounts. In this case, investors transfer to trust management* your funds to a professional financial asset manager.

Trust asset management- a type of financial and business relationship where one person or company transfers its money (property) to another person - a trustee.

At the same time, the manager cannot dispose of these funds or property on the basis of ownership, but only has the right to use it to extract profit, a percentage of which he receives as a reward for successful management.

So several investors can create such pamm account pooled together and transfer this amount to trust management, while all risks of losses are assumed by investors in proportion to the invested funds.

With the manager of such an account (trader), investors can agree that he should stop working on the account when he receives losses in a certain percentage of the account value.

If we summarize this investment scheme, we see that investors are ready to donate, for example, 15% of their money to potentially receive 30% income.

Principle 5. Create passive income

Increasing your capital is very good, but equally important is the creation of passive income from your investment activities.

Why is it so important?

If you understand the course of my thoughts, then you are guaranteed to take a fresh look at investing your funds.

illustrative example

You invested 100,000 rubles and received 130,000 rubles in a year, that is, you earned 30% on the invested funds.

However, next time you cannot be 100% sure that you will earn another 30% or more in a year. Considering that such profitability is much higher than the banking one, it means that the risks of this method are much greater.

You may even lose most or all of the amount if something goes wrong next time.

On the other hand, if for 100,000 rubles you could create passive income for yourself, for example, the same 2,500 rubles a month, which also amounts to 30,000 rubles a year, then in this case, you can easily borrow the same 100,000 rubles and invest them more conservatively, so your asset with a passive income of 2,500 rubles is a guarantee of the return of a new loan amount of 100,000 rubles.

In order to better understand how to create passive income and then create assets with it, I recommend playing the game " Cash flow» the famous investor, entrepreneur and business coach Robert Kiyosaki.

By the way, here is what Robert Kiyosaki says about the importance of passive income:

2. How much can I start investing

You can start investing with any amount. If you have chosen a bank deposit or shares as an investment instrument, then here you can start with literally 100 rubles.

If you have no money at all, then just start saving at least for 10% from any of your income. So you will form the habit of creating a financial reserve for yourself and as your income grows, your savings will increase proportionally. Money will work for you while you rest.

All famous people who teach success and proper handling of personal finances talk about the need to save money: Bodo Schaeffer, Robert Kiyosaki, Warren Buffett.

The fact is that many people, with an increase in income, begin to spend even more and even take loans, since they do not have enough money all the time. It is called "reached the good life".

Always control your balance between income and expenses, live within your means!

Franchising is one of the most reliable and profitable ways to invest.

Do you want a reliable investment option? Take advantage of the offer of our website partners: become co-owners of a chain of Japanese cuisine restaurants.

The project is handled by Alex Yanovsky, a businessman with 20 years of experience who has launched many successful startups from scratch. At the time of writing, the Sushi Master franchise has 125 restaurants in 80 cities and 8 countries around the world.

My friend Sergey, opened a Sushi Master point in Maikop in the format of an island, having invested 1.5 million rubles, and six months later he already paid off his investment. So the scheme works not only in theory, but also in practice.

In section number 4, I will describe in detail how to competently open a business for this franchise, investing quite a moderate amount in a promising area of ​​\u200b\u200bpublic catering.

Here is what Alex has to say about the benefits of starting a franchise business:

3. Where to invest money to make it work - 5 profitable ways to invest

Now many people's eyes widen from various proposals - where to invest money. If you open the Internet and read articles on this topic, then someone offers to buy such and such a super-course, after which you will become a millionaire in a week.

But in most cases, all these "magic pills" are nothing more than a good way to steal your savings.

Now we will look at the classic ways that allow you to invest in understandable instruments with predictable returns and moderate risks.

Method 1.

This is the most popular way to save money, but its income is barely comparable to the inflation rate in the country. So if you invest money in a bank and keep it there from year to year, then at best you simply won’t lose it, there is no question of more or less tangible earnings.

Now Russia has adopted a law that guarantees payments on deposits in 1,400,000 rubles in case the bank fails. This applies to all banks that have an official license to carry out banking activities.

Previously, the sum insured was 700,000 rubles. That is, if you invested your money in a bank and for some reason it ceased to exist, then the state will compensate you for your money if the deposit amount does not exceed the insurance one.

Now in our country there are hundreds of banks with interest rates from 5% before 12% .

Historically, the most popular bank among our citizens is Sberbank, although here the percentage of deposits is one of the lowest, but a large branch network and high reliability of the bank itself allow it to remain a leader in terms of deposits.

Pros and cons of investing in a bank account

Pros:

• high reliability (low risks);
• high liquidity (the ability to return money at any time);
• the minimum threshold for investment (you can start with 1000 rubles);
• simplicity and clarity of the investment instrument.

Minuses:

• low interest on deposits;
• loss of interest on early withdrawals.

Method 2. Stock market and mutual funds

Part of the financial market where people or companies can purchase stocks, bonds, futures and other securities.

If you have free funds and want to get more income than in a bank, but you take on relatively large risks, then the stock market will be a good tool for you.

To start investing in securities, you just need to contact a bank or a specialized brokerage company that deals with operations in the stock market.

Personally, I recommend two well-known brokerage companies for this: Aton Investment Company and Otkritie Brokerage House. You can safely invest your money in these companies so that they work and not be afraid to lose them.

Many cities have their offices.

By the way, speaking about the stock market, it is worth noting that there are different types of investors according to the duration of investment. There are short-term investors, they are also called speculators. These are people who buy and sell securities within a short period of time: from a few minutes to several weeks.

There are medium-term investors, they buy shares for several weeks or months. There are also long-term investors, they usually act on the “bought and forget” principle - they invest their money in securities for several years, assessing the potential of the company and the industry in which it operates.

The last type of investor is investment guru Warren Buffett. Once he was asked when to sell the purchased shares, and then Buffett replied that never! This is his concept of long-term investment.

You can manage your investments yourself or entrust this business to a professional manager (trader).

There are also special funds where you can invest money - mutual funds.

mutual fund- mutual investment fund. This is a financial organization that independently forms its investment portfolio from various financial instruments (stocks, bonds, bank deposits) and sells shares in this portfolio - shares.

Based on the results of a certain period of management, interest is accrued to you according to the size of your share.

But if you definitely receive more at the end of the year than you invested in the bank, then here your profitability may be negative, that is, the fund may work at a loss.

Pros and cons of investing in the stock market and mutual funds

Pros:

• a small initial amount for investment (from 1000 rubles or even less);
• interest at the end of the reporting period is usually higher than in a bank;
• a large selection of investment instruments (stocks, bonds, futures, options);
• opportunity to receive dividends;
• the opportunity to independently compile an investment portfolio, choosing a flexible ratio of risks and expected returns.

Minuses:

• relatively greater complexity of the investment process compared to a bank deposit;
• relatively large risks (you can get a loss);
• in certain cases, special knowledge is required (with independent investment portfolio management).

Method 3. Forex (currency market)

Global world currency exchange market. Here you can exchange (convert) almost all known currencies, that is, buy one monetary unit for another, for example, dollars for euros.

Speculator traders make money on Forex, most of them make intraday trading operations.

After all, we want to know all the ways where to invest money so that they work and Forex will help us with this. After all, here you can quickly increase capital several times in a couple of months. In a popular article on our website, I have already talked about my experience of trading on the stock exchange and about how.

Indeed, in Forex you can earn a lot. However, this comes with huge risks and you can lose your investment capital in minutes.

Now a large number of companies offer Forex trading services. Such companies are called Forex brokers.

Be careful when choosing a forex broker. Since now there are many companies that do not bring your trades to the real currency market and you just play on your computer in the trading program like in a casino (of course, losing your money).

Before you start doing this way of investing, read customer reviews, go to the company's office, make sure it is trustworthy and serious.

Pros and cons of investing in Forex

Pros:

• a small entry threshold (usually from $100);
• the ability to quickly and earn a lot;
• a large selection of investment instruments (currency pairs for trading).

Minuses:

• special technical skills and knowledge are required for investment;
• very high risks.

Method 4. Bitcoin (Cryptocurrencies)

Here you can make very good money, but also lose if you do not follow the market. The most famous cryptocurrency is Bitcoin. Its main advantages: decentralization, anonymity, security, limitedness. This means that Bitcoin is not controlled by any state, and due to the limited issue and the growing demand for cryptocurrency, its price will only grow in the future. You can buy Bitcoin at a favorable rate in - this service is not only an exchanger, but also a crypto-wallet where you can safely store cryptocurrency.

Method 5. Real estate

One of the classic investment tools, when a person with money wonders where to invest his money.

You can buy both residential and commercial invisibility. Naturally, commercial real estate provides more income than residential, however, and requires more knowledge for its competent purchase.

In addition to buildings, real estate also includes land, water bodies, ships, aircraft and spacecraft in accordance with the Civil Code of the Russian Federation.

Real estate has a number of great advantages, but this way of investing is also not without its drawbacks.

Pros and cons of investing in real estate

Pros:

• the opportunity to rent out real estate and receive passive income;
• the opportunity to sell real estate and earn on the difference between the purchase and sale prices;
• a reliable way to save money (real estate in most cases protects money from inflation - depreciation);
• due to the fact that real estate is a tangible (tangible) asset, it can be used for your own commercial or non-commercial needs, for example, you can open a business in the premises, you can live in residential real estate.

Minuses:

• high entry threshold (usually from several hundred thousand);
• low liquidity (cannot be quickly sold without a significant loss of market value);
• subject to mechanical damage - damage by tenants, natural disasters, force majeure - gas explosion, fire, and so on (insure your property to avoid losing money if it is damaged or lost).

Method 6. Own business

If you have an entrepreneurial spirit and some commercial experience, then one of the best decisions for you is to invest in your own business.

Simple example:

Resale of Chinese goods with a large margin (300-800%).

You can buy goods in bulk in China or from a wholesale supplier in a major city and start selling them online. Often such a scheme is also called "Business with China" - a very profitable and promising direction in Runet.

The team of our site is personally acquainted with a successful entrepreneur in this topic. Zhenya not only has been running her business for a long time and effectively, but also teaches others about it.

If you want to launch your own startup in the near future and start earning 100-200 or even 500 thousand rubles in a few months - contact Evgeny and he will guide you by the hand on all issues of creating a successful business selling Chinese goods.

Be sure to check out the testimonial of the wife's students to be inspired by their success stories:

Yes, there are also certain risks here, but you can manage them flexibly, because in this case you yourself decide where to direct this or that money in order to get the maximum return from them.

It is especially effective to invest in your own business if it is already running, and your new investments will help the business bring even more profit.

Pros and cons of investing in your business

Pros:

• you manage your money yourself by building and optimizing business processes (being the owner of the business);
• for business projects, it is quite easy to find co-investors, which helps to attract larger amounts than if investments were made alone;
• it is easier to get a loan for a business than for other investment instruments.

Minuses:

• high risk of losing money;
• low liquidity of most assets (you cannot quickly sell equipment, goods, and the like without a significant loss in value);
• loss of a share in a business project (in case of attracting co-investors).

4. Sushi Master franchise business - investing money profitably

Owning a business from scratch is a rather risky undertaking. This requires a solid start-up capital, an original idea and a well-thought-out business technology. But there is an alternative option - to use a ready-made commercial model with a known payback period and guaranteed profitability.

The network of Japanese cuisine restaurants has its representative offices in Russia, China, Ukraine, Lithuania, Hungary, Kazakhstan and other countries. The main share of business falls on the Russian market.

Franchising is one of the leading activities of the Sushi Master company. The promoted product of the company is a predictable business with a proven and effective structure.

The owners pass the finished model to their partners, the latter only have to comply with the established standards in cooking and marketing, as well as maintain an appropriate level of service.

Franchise payback period: 5-18 months depending on the region of location, chosen format and other objective factors.

The algorithm for opening a Sushi Master franchise branch is as follows:

1. Apply on the official website of the company.
2. You pay a lump-sum fee - at the time of this writing, this amount is 400,000 rubles.
3. Take a course at the training center in Krasnodar.
4. You get the right to open a point under the SUSHI MASTER brand, an official contract, production technologies, original recipes.
5. Together with the franchise owners, you choose a place for a restaurant, calculate the payback, and get the support of a start-up team.
6. You open a restaurant.
7. Together with the team, bring the project to a stable profit.

You will calculate the total initial investment together with the team on an individual basis. Cost range: from 1.3 to 4.5 million rubles. The term for opening a restaurant is from 3 months.

The advantage of this model is that it is guaranteed to work. All possible problems and obstacles that may arise at the launch stage have a proven elimination algorithm. You do not work alone, but become a member of a successful business that has already paid off more than 100 times, brought and still brings profit to its owners.

The co-owner of the company, Alex Yanovsky, is the founder of his own School "Business behind Glass", a successful entrepreneur whom I know personally. In his honesty, as well as in the profitability of the franchise, I have not the slightest doubt.

The risks are minimal, and the support of the training center led by Alex Yanovsky is continuous and constant. At your disposal - the experience of successful businessmen, professional equipment, proven marketing technologies.

The market niche that you will occupy is now on the rise: there is an outflow of visitors from expensive restaurants to cheaper ones. Public catering establishments in the street format or the "island" format are in demand and popular - we offer these options to our partners.

5. Where you should not invest money so as not to burn out

You should not invest in obviously losing enterprises - casinos, illegal and morally unacceptable projects.

These include criminal types of business: trafficking in drugs, weapons, contract goods, organizing brothels, shell companies that launder money, as well as fraudulent schemes in real estate (corruption during construction, eviction of lonely old people and re-registration of housing).

To live in peace, engage in honest and socially acceptable ways of making money, then you will gain not only financial freedom, but also spiritual harmony.

6. Conclusion

In this article, we reviewed the fundamental principles of investing, recommendations from the best investors and experts in the field of business and finance, and also got acquainted with the most popular ways to invest free money.

In the next part of the article “Where to invest money”, I will talk about less common and at first glance not obvious ways to increase your capital.

And if almost everyone knows about bank deposits, the stock market and real estate, for example, few people know how to create a good passive income for themselves by investing in their own Internet projects.

Dear friends, I hope that now you have figured out where to invest money so that it works and brings you profit. After all, it is you who can become rich and earn millions.

I wish you a successful investment!

Where is it more profitable to invest rubles in a crisis so as not to lose your savings - recommendations from experts + TOP-5 most profitable investment areas today

Using facebook is very easy, but not everyone knows how to use it safely without worrying about losing your account. So in this article, I will share with you some experience of using Facebook safely without worrying about your account being hacked or disabled.

Hello dear readers of the site! Through tutorials recover facebook password how to open facebook account disabled... I noticed that many people don't know how to use facebook safely disable many or lost chemistry accounts by being hacked... by others.

Losing Facebook accounts is often popular in the following two cases:

1. Be hacked. it means that other persons illegally gained access and then exchanged login information including passwords, phone numbers or gmail....
2. Disabled: i.e. the account is disabled on Facebook, possibly because you suspect you are using fake information or using more than 1 account, violating community standards....

As a rule, losing your Facebook nickname can be caused by you or a bad person, even if you know how to protect it, you will never lose your account anyway. Easy to open immediately.

Right now, I will share with you the experience of using Facebook safely, if you follow my path, make sure that 99% of your Facebook account will be safe.

Facebook Safe Experience

1. Use a phone number or a real email address to create a Facebook account

Many people use junk or other phone numbers to create a Facebook account, when they forget their password, they call the sky and claim the earth because they cannot recover their password.

Or sometimes still remember your password, but due to account issues, Facebook requires you to verify your phone number or email address in order to log in... if you no longer have a phone number or email registration, then take a nickname.

Therefore, the first thing you need to note is to use a phone number or an official email address to register your Facebook account. If you have used a phone number or email address that is no longer yours, or you no longer use it, please change it immediately to the actual email address or email address you are using.

To change your phone, go to "Settings" → "Mobile". To change your email address, select "Settings" → "General"(or by phone go to "Settings" → "Personal data").

2. Use of your full name and date of birth (corresponding to information on identification documents)

Many Facebook users often use strange, incorrect aliases, which is not safe, if the account is not made, this is normal, but if it is disabled, ask for identity verification ... this will be very difficult.

Many people disable their accounts for various reasons, but in general, in order to reopen, you will need to send a photo ID to verify your identity if your name, date of birth, address, picture avatar... is in your account Facebook must match the information on your ID in order to open again.

Therefore, you must use all information (name, date of birth, etc.) exactly so that your personal documents never bother turning off your account to verify your identity.

Perhaps many of you think that I did nothing wrong, will not be disabled, no identity verification is required, ... completely wrong, Facebook can disable your account at any time. Sometimes the reason is not you, for example someone fakes you to create a Facebook account, then this time Facebook will see that there are 2 similar accounts, they will block both to ask for identity verification of any account. which sends the correct id to be opened. Therefore, if you do not have identification documents that match your login information, you will not be able to open this Facebook account again, even if it is your main nickname.

3. Set up 2-layer protection

Facebook's two-layer security is a way to protect your account from being hacked by the bad guys.

When you have enabled the two-level security feature for your Facebook account, when you or someone logs into your account on a new device or a new IP address, Facebook will send a verification code via SMS to your phone number, please enter the correct verification code to continue input. So if other people want to log in to your Facebook account using their device, it will be impossible, regardless of whether they know the email, know their phone number and know your password, .... unless they get your sim .

May 18, 2019

Hello dear readers of the site! In this article I want to tell you about the site where you can order goods by mail. Goods come both from manufacturers and from aliexpress. The site is called obzoram.ru, it provides the most popular and purchased goods from the Internet.

The site provides several of the most popular categories, such as products for women, men, children, animals, auto products, cosmetics, health products and a variety of electronics that we use in everyday life.

The site every day gains a lot of positive feedback and is in demand among regular customers. Also, it is worth noting that on the pages of the site there are both positive reviews and negative ones. Here are some examples:

If you want to get acquainted with the range of products presented on the site, follow the link - all products. There you can find out about all the most popular products today.

Features of the site obzoram.ru:

• Intuitive interface.
• Constant updating of assortment.
• Only the most purchased and popular products are presented.
• Detailed overview of each item.
• There is a video presentation of certain products.
• Reviews are written in plain language, and sometimes with humor.
• The ability to publish your reviews on an ongoing basis.
• Customer comments, both positive and negative. (Well, how without them!).
• It is possible to order a review of a specific product with your affiliate link. (Payable service).

One of the features of the site is that you can write your review of the product and send it through the contact form, which is located in the menu of the site itself. Thus, you can earn a little, and maybe a lot). The most important thing is that the product is not repeated on the site and its uniqueness is 100%.

Absolutely everyone will be able to order goods in the shortest possible time and receive it with free delivery. Moreover, you will be able to fully learn about the product, its characteristics, where you can use it, how it works and practically what it is made of.

A lot of goods are provided with a good discount, and sometimes with additional gifts. The site has products with aliexpress, these are well-chosen from all the rubbish and which have a positive reputation for products. Also, they have a lot of positive reviews and photos received.

Site categories obzoram.ru:

1. Goods for women and girls.
2. Goods for men.
3. Women's jewelry.
4. Sporting goods.
5. Facial cosmetics.
6. Toys for kids.
7. Goods for health.
8. Goods for pets.
9. Household products.
10. Auto goods.
11. Bed sheets.
12. Hunting and fishing.
13. Backpacks and bags.
14. Electronics.
15. Phones.
16. Intimate.
17. Games.

The product review site will give you a lot of positive experiences and give you access to fast shipping. Use only trusted sites that have proven their honesty. All articles of the site!

Mar 12 2019

A line of credit is the most sought after financing option for business owners. What for? The flexibility they provide is unparalleled.

While your typical loan term will give you a lump sum of cash to use - and pay off over time - a line of credit is more like a fixed amount reserve pool.
In addition to short-term and traditional lines of credit, small business owners can also look into lines of credit secured by certain types of collateral. In this case, we are talking about a credit line and a loan without guarantors secured by business equipment.

Here's how it works: Asset-based lenders care more about your future prospects than your past borrowing history (or at least they care about almost two). You get the equipment you need—a car, new exercise equipment, a printing press—and the line of credit secured by that equipment will give you a line of credit based on the value of your equipment.

The good news is that these lines of credit tend to come with more relaxed requirements, even if their highs and interest rates don't fall - but at the expense of collateral or ownership requirements in the event of a loan default, on this shiny new piece of equipment. They rely on the value of your equipment or inventory, rather than your borrowing history, to feel confident about your credit.

Letter of credit line

The basic idea behind invoice financing (also called accounts receivable financing) is that sometimes it takes customers a long time to get your money back, but you might not be able to wait. Instead of relying on short-term loans to cover operating costs or dig into your savings, you can simply pay those bills right away - though you'll have to cover the cost of that speed and efficiency.

An invoice-based credit line follows the same logic. The value of your bills determines your maximum unsecured business loan, and you can raise capital as needed instead of relying on your clients to pay on time. And as your bills grow, you will generally have access to more cash from the line of credit.

If you're a small business owner looking to expand your options or reduce your cash flow problems, one of these lines of credit might be right for you. Whether it's a standalone product or an additional source of capital, a line of credit is great insurance for your business.

It all starts with a little research, so this is the very first thing you should do if you want to buy a house. However, if you don't have the right direction to take a business development loan for your research, it can be just as beneficial as no research at all. Start first by finding the area you want to go to. As you do this, look at local schools, the average housing prices in the area, proximity to important amenities (like shops, mechanics, doctors, etc.), and the crime rate in the area. You can even use a search engine to look for local news in the area to make sure nothing is too negative to stand out.

Once you find some homes you like, the research doesn't stop there. You will now need to determine certain information about the property before you can make an offer. Here are some of the main things you should consider:

Understanding the competitive banking landscape helps community banks set the right prices, respond effectively to competing marketing, and compete more effectively. Analyzing the competition for accepting payments online can also help a bank be realistic about what products it can sell and at what price. Unfortunately, banking is not an easy industry to analyze. Community bankers sometimes fall into the trap of believing that they compete exclusively with other community banks - nothing could be further from the truth. Many existing clients and potential clients of community banks are also clients of national banks. In this article, we highlight several important trends that all public bank managers need to understand in order to be successful and more competitive with national banks.

With the increasing use of the Internet to purchase banking services, banks no longer compete with local competitors. The banking industry online payment methods is nationwide and is becoming less industry specific. Also, the competition isn't just another bank that can take out a loan or deposit, but it could be a credit union, an insurance company, a retail store, or a fintech startup (like Robinhood, which announced a 3% savings account).

Below is a graph showing the number of branches owned by commercial banks from 1998 to the last reporting quarter. The graph also shows on the right axis the percentage of branches owned by the top four, ten, and top 100 banks. While the number of branches has been growing over the past 20 years, top competitors are shrinking their branch network as a percentage of the total market. This is important because while the largest banks maintain their share of the deposit and loan market, they do so without expanding the number of branches.

The chart above shows that the top four banks own 21% of all branches, compared to 24% in 1998. The top 100 banks own 59% of branches, up from 63% in 1998. These banks continue to look for ways to deliver goods and services, increase market share while reducing their presence in storefronts. The graph below shows the volume of the domestic credit market of banks for the period from 1998 to the last reporting quarter.

Today I will talk about investing money at interest. Namely, you will learn about my investments on which I receive from 6 to 20% monthly.

As you probably know, there are a lot of investment scams on the Internet and therefore, I carefully study a company that offers services of this kind, check their documents, call their support service or correspond with them, check their registration addresses, visit their office if possible or ask someone to do it and only then make a decision to follow the link, there is a very interesting article!

After the contribution, I share my actions with my readers in my articles, if you are also interested in this topic and want to live on interest, then be sure to subscribe to my newsletter and you will be aware of all the latest news and do not miss your profit!

I will teach you how to earn on investment every month from 5 to 20%

Why did I choose to invest with interest?

I tried all the areas of making money online, in which I can single out the main ones for myself, this is making money on affiliate programs, and now I finally reached a solid income, which prompted me to start investing.

It’s just that money accumulates on web wallets, which depreciate every day, so just “keeping it under your pillow” is stupid.

For example, you can spend them on yourself, which I do, but I seem to have everything for a normal life! pah-pah, so as not to jinx it!

And spending everything just on parties, stupid! we must also think about the future. Well, I will play all my money, and then what?

These organizations are officially registered and there are responsible persons who, in which case, will be held criminally liable and therefore will not risk their reputation by deceiving their customers!

And in light of the release of the new Forex law, everything has become much safer, of course, not all brokers have obeyed it at the moment, follow the link and find out which ones you can trust!

So let's go!

Brokers for investing money at a sickly monthly percentage!

The first on the list, the most profitable, is a broker called Amarkets , former Aforex

To do this, I chose the most reliable company to date and it is called:

The Russian office has all the documents, works with all payment systems, is subordinate to the CRFIN, that is, it is suitable for the new Russian legislation.

I shone a lot of articles on this broker, for example -

Here is a screenshot of my current balance:

Follow the link above and look for me in the rating of pamm accounts, of course I trade risky, and I lose some pamms, but I do 600% in two years,. I also want to say that you do not need to invest your money, but I will give you 20% of the profit, more details at the link! GO!

Here is an example of my initial investment:

Here's how I've progressed a bit:

Now look at the top screenshot!!

Watch

Be sure to watch this webinar:

In general, every day my income is increasing! I think that many of you want too! At the moment I do not need to work))) I'm just investing

But that's not all! At Alpari , an investment appeared, which is very reliable, but does not differ in its super profitability, but you will receive 40-60% per year! I think this is also good, especially given that it is all very reliable, the company has been operating for more than 15 years!

I will not post screenshots and explain what's what, everything can be found. Also through Alpari you can invest in:

• Real estate,
• Bonds,
• energy,
• dividend stocks,
• Finance,
• energy,
• materials,
• Gold,
• Silver,
• Palladium,
• Shares of Russian companies, Indian, Chinese..

I want to say that in the investment market, there are a lot of Forex market boxers and everyone has pamm accounts, so I want to list the main ones.

To date, deposits on the Internet have become commonplace, and anyone can make their first interest-bearing deposit profitably without even leaving home. The main thing is to have what to invest and know where to invest. And if you have these two components, then it will be very easy for you to make deposits.

You won’t even need any special skills to earn money, the basic knowledge that all people get at school will be enough. And to be precise, it’s enough to be able to calculate percentages, but if you have problems with this, you never know people are different, then you can use a calculator for this, then everyone can definitely use it.

Well, the most important point in this whole business will be finding a project in which contributions will be made on favorable terms. Yes, of course, I will tell you where to invest money profitably, and I will give you a few proven projects.

But you yourself must learn to identify worthy projects that you can safely work with in order not to be afraid of losing money. But how to do it? Yes, it's very simple, always, before making a contribution, learn more about the project:

• How much does he work?
• Does he pay money?
• Familiarize yourself with the terms and interest on deposits.

Do not be too lazy to spend a little time analyzing the project in which you decide to invest your own money. After all, your end result will depend on it.

Where is it profitable to invest money?

So, let's say you already have the nth amount of money, and you want to make a profitable investment. In this case, it remains only to decide where it is profitable to invest money on the Internet. I, as promised earlier, will tell you a few proven projects that have been tested not only by me, but also by time.

1.) The first on my list will be the Maya Group, which many have probably already heard of, and if not directly, then through its notorious projects: and so for sure. She offers to make money for everyone, on the so-called "Crowdinvesting" - people's investment. In simple terms, the essence of earning will be to buy shares of this company, which in turn will bring you profit every day.

The main advantage of this company is that the profit by shares will be accrued, not out of nowhere, or from fictitious sources of income, as is often the case in investment projects, but from real sources. The main sources of income for this company are its daughter popular projects LikesRock and PostingBlues (plus more new projects will be launched soon). 10% of the net profit from these projects and will be distributed daily among all investors.

In general, what can I say, the company is serious and reliable, it has been working flawlessly and stably for 2 years now. With its help, you can earn an average of 6% per month from the deposit without any problems. The minimum deposit amount is only 10€. I think a lot of people have this amount.

1. All you need to start earning on deposits with the Maya Group is to be a member of one of its projects below:

• LikesRock;
• PostingBlues
• Landing Jazz
• Maya Group.

2. If you have not yet registered in any of her projects, then you will need to do this. Registration is very simple, you will need to fill in several standard fields, solve the "recaptcha" and click the button " Create user«:

3. After that, you can fully use the site, i.e. you can invest money at interest by buying shares of the company. Just need to top up the balance. As I said, the minimum amount you can invest is 10€.

So, in order to enter money into the Maya Group project, you need to go to the section " Operations with a balance and select the tab there. Top up balance»:

There you can see all the ways to deposit funds for the project. Choose any that suits you and replenish.

4. After replenishing, all that remains is to make a profitable investment. To do this, move to the section " Investments"And there select the tab" Buy shares«, After which you can buy the number of shares you need:

At a time, you can invest, i.e. buy, unlimited shares.

Shares from the company are sold for 10€ each, while shares from users can cost more, most often from 10.15 to 10.50€. If you do not want to overpay, it is best to wait until Monday, when the next issue of shares for sale from the company will be.

5. After you have made a deposit (purchased shares), you will receive profit accruals on shares every day at 01:00 Moscow time.

Please note that the more you invest in Maya Group, the greater your daily profit by shares will be, which, in fact, should be clear even without me. However, if you are from those people who believe that money should not lie, but work, then I think you should pay attention to the company.

The project pays 100% and here is my recent payout from it:

And also, do not forget about additional earning opportunities with Maya Group, which you can organize to attract investors (referrals).

2.) (Project closed) The second will be a fairly good medium-income investment project called Westland Storage. This project offers earnings on investing cryptocurrency for an indefinite period with a daily interest rate of return - 1% on weekdays and 0.5% on weekends. In this case, you can invest the following cryptocurrencies with the following minimum amounts: 0.01 BTC, 0.2 LTC, 0.02 BCH, 0.06 DASH, 0.05 ETH, 30 XRP, 0.1 ZEC.

After 40 days, it is possible to withdraw the body of the deposit, but in this case, be prepared to say goodbye to 50% of the amount. As for the return on investment, the full payback period is approximately 4 months.

By the way, there are additional ones on the project. The first of them is a traditional affiliate program that allows you to receive 10% from the deposits of referrals of the 1st level and 5% from the second. The second one will be in . For all kinds of actions, you will receive WLS tokens of this project for free. Here is a complete list of actions and the amount of reward for them:

On top of that, from all WLS tokens earned in this way, you will receive 0.1% daily profit from them as well.

In general, the project is very interesting and promising. You can find a more detailed overview of this project in this article of mine - "".

3.) The third will be the cryptocurrency exchange, which entered the cryptocurrency market quite recently, or more precisely, in August 2017. As for the exchange itself, it does not offer something supernova to its users, but everything is the same as the well-known exchanges:, etc., provides an opportunity to engage in crypto trading, i.e. in simple terms, it allows you to make money on speculation with cryptocurrencies. The exception is her own cryptocurrency called " KuCoin Shares"Or abbreviated -" KCS"And an affiliate program, with the help of which it is quite good and, most importantly, on full liability, you can earn quite good money on KuCoin.

As for the KuCoin Shares cryptocurrency itself, you can earn on it, both on the growth of its rate, which, by the way, is now growing rapidly, and on keeping KCS on the account. I think that everyone understands how to make money on the growth of the exchange rate, but now I’ll explain how to make money on keeping KCS on the account. The thing is that there is one very cool feature on the exchange, it is called " KuCoin bonus", Which consists in distributing 50% of the exchange profit between all holders of KCS coins according to the size of their balance. Moreover, such distribution is carried out daily exactly at 00:00.

In general, if you are interested in such passive income, then you can realize it only after you buy the KuCoin Shares cryptocurrency on the exchange. Actually, how to realize the purchase of KCS on the exchange, I will tell you further.

The first thing to do is to register on the exchange -. Registration is very simple and will consist of filling in only 3 fields of the registration form:

In the first field, you will need to enter your email address, and in the second and third - the password.

At the same time, I advise you to enter the password as difficult as possible, i.e. using upper and lower case letters, as well as numbers and special characters.

The next step, after confirming the registration, will be to connect to the two-factor authentication account - Google Authenticator. It will be necessary to complete this procedure, and not only in order to increase the security of the account, but also in order to open the possibility of trading, making deposits and withdrawing funds from the exchange.

Please note that the exchange does not require any account verification.

To connect two-factor authentication, just go to " Settings"And move to the subsection" Google 2-Step", In which, following the instructions, you can implement the whole thing.

That's all, the registration and activation of the account will be completely considered complete and now you can deposit funds to the exchange to buy the KCS cryptocurrency. To deposit funds, simply hover your mouse over the dollar icon, which is located in the upper right corner of the site, and in the pop-up window, click the "Deposit" button:

After the funds are credited to the account, you can go to the " Markets" section and buy the KCS cryptocurrency you need:

You can observe all the accruals provided for you for storing Kucoin Shares KCS crypto coins in the section of the site - " Explore" - " Kucoin bonus».

As mentioned earlier, it is also possible to earn passively on the KuCoin exchange on the affiliate program. The coolest thing about the affiliate program is that it is 3-level here, and not one-level, as on most crypto exchanges. Plus, for each level of referrals, very high percentage deductions from the profit of the exchange are provided, namely: for the 1st level of referrals - 20%, for the 2nd - 12% and for the 3rd - 8%.

In general, as you can see, investing in a crypto exchange is very profitable, and attracting referrals is also very profitable. Many people are now making very good money on this, and given that there is a huge demand and new traders are actively involved, it turns out that the exchange will increase its income, and the rate of the local crypt will also grow steadily, which means that the holders of Kucoin Shares KCS things will be no worse than the stock exchange. In general, if you invest in this business now, then in the future, you can double / triple your deposit very quickly.

Online deposits in games

3.) The next 2 projects are the so-called , such as or .

Online deposits in games will allow you to earn from 20 to 38% per month, depending on the amount of the deposit. In order to understand the process, I will give you an example of how it is profitable to invest money in the Taxi-Money game.

1. So, first of all, you need to register with . After that, you will need to enter the game.

2. Then after entering, you will need to replenish the game balance in order to have something to buy a taxi for. it is the taxis you bought that will bring you profit from 20 to 38% per month.

In order to replenish it, you need to go to the section " Top up balance", and make a replenishment in one of the ways convenient for you:

As you can see, there are many ways to replenish the balance. In addition, please note that the first deposit is subject to a bonus of +25% of the deposit amount.

Those. if, for example, you replenish by 20,000 rubles, then not 20 thousand, but as much as 25 thousand rubles will be credited to the balance. This money will be enough for you to buy 2 cars of the 5th level with an income of 36% per month from each. Their daily profit will be - 294 rubles, and monthly - 8820 rubles.

3. The purchase of a taxi is carried out in the "Buy a Taxi" section. Taxis are divided into 7 levels, each of which differs in cost and amount of income:

Note that you can buy as many cars of the same or different levels as you want, which allows you to significantly increase your earnings. Well, what kind of machine (s) you buy, it's up to you.

4. After buying a taxi, it will bring you profit every day. You just have to occasionally enter the game and collect this profit.

5. Profit collection is carried out in the section "My garage":

First, all the profit you collect from the cash register will be mixed into safes, but you need to transfer it from the safes to the balance for withdrawal.

Important: initially, all 4 safes you have can hold 10 rubles of income each, but their capacity can be increased for money, which I actually did. Because my daily income is 404 rubles, the capacity of the safes had to be increased to 200 rubles. That allows me to visit the game only 2 times a day in order to collect my profit. It is very important to increase the capacity, otherwise if you do not transfer money from the safes to the withdrawal in time, they will not be able to fit in the safes, and the money will simply burn out.

6. After that, the money that is on the balance for withdrawal can be safely withdrawn to a payment system convenient for you.

You don’t even have to worry about payments, the project pays 100%. Here are my earnings and payouts:

7. Taxi-Money also has a city where you can also earn extra money as a taxi driver or businessman by creating your own company. Creating a company is more costly than working as a taxi driver, but the resulting income will not be comparable to each other.

For example, it costs 29,000 rubles to create a company, but it costs only 200 rubles to arrange one car for taxiing. That's just in order to taxi, you have to hang out in the game all day long, or at least visit it once an hour at least. Moreover, for one order you will get from 3 to 12 rubles, depending on the level of the taxi. And then, you will only receive 50% of the completed orders.

But the owners of the company can relax, because they will not have to work and hang in the game for days. All work will be done by employees. At the first level of the company, you can hire 10 taxi drivers, with the growth of the company level, the number of taxi drivers who can be hired by the company increases.

Thus, at the first level, the average income from the company will be within 500 rubles. While the coolest taxi driver earns no more than 20-60 rubles per day, and at the same time plows almost all day. So decide how it will be more convenient for you to earn money in the city.

In general, these are currently the most reliable projects where you can best invest money. But in any case, it is up to you to decide where it is better to invest money, and whether to invest it at all.