Author: James Paul

An account sent to collections can be stressful and for most, it is mortifying! Especially if the debt simply got out of control due to unforeseen circumstances (COVID19) — it can happen to the best of us. After receiving several annoying phone calls or opening the dreaded collection letter, your life seems out of control and the worst-case scenarios run rampant. Take a deep breath and know that help is available. Understanding what a debt collector is and how the process works is the first step in resolving your debt. Typically, unpaid debts get assigned to a collection agency. These…

People invest a lot of effort in managing their finances, but they seldom keep track of the financial documents. It’s hard to get hold of documentation when you have bank and credit card statements, checks, tax bills, and more to manage. But failing to organize them can land you in a fix at the end of the year when you have to close your financial statements and file taxes. Missing documents can also bring trouble if you need to apply for a home mortgage or personal loan. It makes sense to keep your financial documentation well-organized at all times. Luckily,…

I’m sure most of you are wondering the best way to get started investing with a small amount of money. Well, I have some great tips for you! It is possible to trade shares with a small budget as long as you use leverage and keep your margin under control. Furthermore, we should mention the compounding effect by making a small investment every month. The traditional way of investing in stocks is to commit large sums of money upfront, but this method can be difficult for those who have limited funds. By using strategies such as leveraging or trading on…

The accompanying infographic, The Psychology of Consumer Spending, provides a brief overview of consumer spending, highlighting compulsive purchasing. The graphic also offers sections about the reasons for compulsive shopping and how our brains respond to it. Psychologists think that compulsive buying results from a void in an individual’s life. This could be stemming from childhood, or the need for approval or excitement or, the simplest explanation yet, a real lack of impulse control. Regardless of why people shop — when we shop, we feel good. The reward part of our brain lights up, dopamine floods our system, and we are…

Montenegro is a small country in the center of Europe with mild climate, amiable social environment and an average European standard of living. House prices is relatively low — around 300–400 thousand euros on average in large cities. However, a cheaper option for 30–40 thousand euros can be found in villages. The most appealing waterfront property in Montenegro is located in the Bay of Kotor, also known as the Boka, with its charming resort towns and rich cultural heritage protected by UNESCO. One more popular location is the Budva Riviera. People come here to purchase property in Montenegro despite the…

Who does not want to earn? We all do. Some of us do a job for a living while others try their hands at business. There are also people who make a living by not doing any of the above – at least not in the sense others do.  Such people resort to unfair means to earn money by floating schemes others would fall into. As an example, one could cite Ashfaq Siddique. Ashfaq Siddique was responsible for an alleged fraud he started in 2017. The scheme he floated targeted a majority of Muslims over a period of two years…

Internet users would like to keep their privacy unscathed. Mobile devices, namely phone numbers, and email are individual properties that everyone wants to keep for themselves only. These two things are used to register on social media, messaging apps, and other online services. Some users are afraid to share their personal phone numbers with online companies that ask them for registration. And sharing email addresses might result in tons of promotion emails that spam folders would not handle. Usually, email verification takes more time compared to phone number verification. Sending a code in SMS and copying it to the registration…

Copper is a tertiary commodity, coming in third to the shinier appeal of gold and silver. However, the use of copper permeates almost every aspect of modern society – from consumer goods and automobiles to utilities and construction. Today, copper is the third most used metal across the globe and plays a pivotal role in all major economies and in the developing world. If you are looking for a hedge against inflation, it is common to consider investing in gold or silver. But another way to diversify your portfolio is including the best copper mining stocks in it. Here are…

Have you heard other forex traders using the term RSI and wondered what they were talking about? If so, your curiosity can pay off if you learn not only what the RSI indicator is but how to use it effectively in your day-to-day transactions. Truth be told, this handy math-based formula is a powerful tool for traders of all types, not just those who buy and sell currency pairs. You can look up a definition and learn that the letters stand for relative strength index, but if you want to dig into the mathematics behind the formula, you might come…

QuickBooks is a great application to steadfast your accounting. It can do the complex number-crunching and other accounting chores, while you sit in peace. It has been helping millions in terms of accounting. It can proficiently handle invoices, paying bills, generating payrolls and makes your tax chart preparation sweat-free. But everything that you do with QuickBooks stays up inside QuickBooks. Though QuickBooks can synthesize precise reports with the given transaction details, all the reports are stored under the shell of QuickBooks. You will have to rush into QuickBooks, log in and then pick your report through a search. This may…