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  • How Does The Stock Market Work?

    How Does The Stock Market Work?


    How does the stock market work? In a nutshell, the stock market is a market place for business people. Goods are sold to the public in a public market. However, in the stock market, the public is sold share. Shares are the form in which company stock is sold. When a person purchases more shares in a company, they have a higher ownership in that company.

    In the stock market, there is the primary market and the secondary market. In the primary market, companies sell shares to investors to raise financing for their operating expenses. In the secondary market, investors buy and sell shares in companies to other investors. Constantly changing market conditions are the basis of those buy and sell decisions.

    A stock market operates much like an auction house, with a systematic way of buying and selling. The system in the stock market involves a great deal of bustling activity. Often there are people running around frantically, shouting and gesturing at one another.

    The purchase and sale of stock starts at various places. A broker is contacted if a person wants to buy stocks in a certain company. The broker will take the investor’s money to the stock exchange to coordinate with a floor broker.

    In most cases, the floor broker works for the company selling stock. Right on the stock exchange floor, brokers buy the desired stock for the investor. Once the deal is made, it is communicated to a broker and the investor then becomes a stockholder of that particular company.

    Investors may decide to sell their stock. Usually investors want to sell their stock when the price per share increases so they can realize a profit on their investment. For example, a person may purchase 100 shares at the price of $25 per share. When the price increases to $35 per share, the person can sell the 100 shares and make a profit of $1,000.

    The driving force behind the stock market is the basic economic principal of supply and demand. The number of stocks open to the public is the supply. The number of shares that investors what to purchase affects the demand of the stock in a certain company.

    The constant change in the cost of stock is a result of conditions in other markets. For example, if people feel that the economy is growing they are apt to purchase more stocks. However, when the economy is in a decline, the majority of investors tend to sell off their stocks. On the flip side, some investors use this time to buy because the stock prices are usually at a discount.

    There are quite a few business people who make long term investments in the stock market. In some situations, stocks go down in value and a stockholder loses money. There is no guaranteed profit when investing in the stock market. Thus, when a person is flexible and able to handle the constant changes of the stock exchange they are more likely to experience a profit.

    So this is how the stock market works. In the end, patience, education and experience usually equals greater long term success.

  • The 4 Potential Problems With Variable Annuities

    The 4 Potential Problems With Variable Annuities


    One of the riskiest ventures is investing your money in the stock market. But along with the extreme risk involved, is also has the potential to make you a lot of money. In fact, investing in the stock market can turn out to be one of the most profitable business decisions you’ll ever make if done right.

    With so many variables to consider, it is expected that you may have hesitancy to risk your hard-earned cash on a speculative venture in the stock market. The best course of action is to hire a reputable stockbroker to handle your stocks in the beginning. A trained stockbroker can give you dependable stock tips and solid professional advice.

    Another good idea is to discuss stocks with an associate or friend with a bit of experience investing in the market themselves. Talking with educated friends and acquaintances can be a good way to get stock advice and knowledge for free.

    A well-known stock move is investing in variable annuities using the premium of your insurance. Variable annuities are actually insurance contracts that allow you to invest your premium in mutual fund type investments. While this may seem like a good idea, when you review it more closely, it might be a poor investment.

    The following are 4 potential problems with annuities:

    1. Early withdrawal penalties can cost you a double penalty. When you withdraw your profits, you will be penalized because insurance plans are designed for retirement. When you take money from your premium, it costs you in penalties to the government and to the insurance company itself.
    2. The death benefit affects the people you leave behind. If the stocks you hold are down when you die, your beneficiaries receive as much of the investments as you put in. If stocks are up when you die, they are taxed as regular income.
    3. Smaller taxes are paid on ordinary investments in mutual funds and stocks which qualify for low capital gains treatment. The gains from investing in premiums, however, are taxed immediately upon withdrawal.
    4. When you buy annuities with insurance features, they are actually more costly than regular mutual funds. When an annuity has more insurance features, there are annual fees heaped on top of it. The result is a loss of profits for you.

    Another thing to keep in mind is that timing is a key element to successful stock investing. There are specific times that are good to invest and other times that are poor. During times of hardship or national duress, the prices of stocks may be driven down to a discounted rate, but there is no reassurance that such stocks will recover to realize a significant profit. Educating yourself on the company is key in this situation.

    The bottom line with regards to investing in the stock market is diversification. The best decision is to diversify where and when you invest your money so you can always realize some type of profit to offset potential losses.

    And you should always hire a reputable finance professional to help guide you through the stock market.

  • Mero Kitta App Download

    Mero Kitta App Download


    We have noticed that people have been searching for a download link to Mero Kitta Application on Google Play Store and Apple Appstore.

    Mero Kitta App is not currently available as mobile phone apps.

    We will update our website with information on the launch of Mero Kitta App for mobile.

    For now, Mero Kitta can be accessed at: https://merokitta.dos.gov.np/application/main

  • Cryptocurrency prices are rising, with Ripple rising by 18%.

    Cryptocurrency prices are rising, with Ripple rising by 18%.


    Since Tuesday morning, the cryptocurrency market, which had been dropping for more than two weeks, has started rising. As a result, the values of the market’s leading cryptocurrencies have surged dramatically in the last 24 hours.

    According to Crypto.com, the price of Bitcoin has gained 8.24 percent in the previous 24 hours to USD 37,304, while Ethereum is trading at $2,707. In the last 24 hours, Ethereum alone has increased by 16.60 percent.

    Cardano rose 12.74 percent to 1.76, Binance Coin rose 15.02 percent to 358, Ripple rose 19.36 percent to 1.07, and Polkadot rose 18.44 percent to 23.11.

    Cryptocurrency is banned in Nepal, despite being recognized as a digital money in Europe, the United States, China, and India. However, in the lack of a cryptocurrency regulation in Nepal, the Nepal Rastra Bank has published a statement stating that only Bitcoin transactions are prohibited.

  • Ex-pat Nepalese get Rs 400 incentive while sending money to NICA accounts via World Remit

    Ex-pat Nepalese get Rs 400 incentive while sending money to NICA accounts via World Remit


    Ex-pat Nepalese who send money to NIC ASIA Bank accounts in Nepal using World Remit would receive a bonus of Rs 400.

    The scheme will run from Aswin 11 to Kartik 10, 2078, with just the first transaction eligible for the bonus.

    The bank now has 356 branches, 472 ATMs, 70 extension counters, and 81 branchless banking units across the country.

    Additionally, receive $20 bonus if you send money to Nepal using Word Remit by clicking on the link below.

    Send Money to Nepal now

     

  • Stock Market Strategy for Long Term Success

    Stock Market Strategy for Long Term Success


    While investing in the stock market is a risky proposition, that should not stop aspiring investors from taking that first leap. The secret of investing lies in having a stock market strategy for long term success.

    Be knowledgeable.

    Savvy investors only get into a stock market investment after they become aware of the necessary information about the company. It is unwise to invest in companies before learning everything about them including future plans, current performance and their past history.

    It is impossible for an investor to know everything right away. Getting investment advice helps investors locate the right stock that will offer significant profits over time. And an investor should always be aware of the fundamental value of the stock they are purchasing.

    Choose to invest in a company that is part of a familiar industry. An investor should have a decent understanding of the business they are investing in so they can fully comprehend the value of the stock. By having this type of knowledge, investors are more independent and do not need to rely solely on advisers and analysts.

    Investors should carefully select the sources of information they rely upon. Tips offered out in the stock market should usually be avoided as they are typically provided by people with vested interest.

    Have a long term goal.

    When investors get started in the stock market, it is important to set a long term goal for success. The goal determines the approaches to be used and influences the decision made in the future. Having a solid goal ensures greater regularity in the face of indecision when the stock market moves.

    A long term goal helps investors avoid making spur of the moment decisions that could negatively affect their financial picture. A long term goal helps investors create a more stable financial future by making steady investment purchases. With a long term goal in mind, an investor has greater consistency.

    Only take calculated risks.

    Speculative ventures must be avoided when investing in the stock market. While there are risks in any business enterprise, they must be calculated carefully to reduce the possibility of loss and maximize potential profits. Guesswork simply does not work when it comes to stock market investing.

    The stock market is not a gamble.

    Stock investing is not gambling and should not be treated as a game. Investor can lose major money in the stock market and investments simply should not incur huge losses. It is simple to purchase stocks, but difficult to regain lost money.

    No investor can afford to make costly mistakes in the stock market. When investors have the desire to gamble, the long term goal must be strictly reviewed and then followed. By revisiting the long term goal, investors can minimize the probability of investing too much money and losing it all.

    Be disciplined.

    Self-motivation is required for successful investing. To make the most of the stock market, the investor needs to have discipline and determination to keep persevering to achieve their goals.

    To be a winner in investing today, you must have courage, passion, knowledge and a stock market strategy. A prudent investor can take advantage of the myriad of opportunities in the stock market for greater financial freedom in the future.

  • The Use of Stock Investment Tools

    The Use of Stock Investment Tools


    In days past, stock market information was limited and often buyers depended on stockbrokers to try to get the facts about investments. Today there are a variety of stock investment tools to assist modern investors and maximize the amount of information they can find about potential investments and trading activities.

    The widespread use of the Internet puts a wealth of information at your fingertips right away. The Internet has facts about many publicly listed companies in the United States. Certain websites provide free research information, which may be rather general in nature but still useful to beginners. Other companies publish in-depth research reports outlining the activities of listed companies. These detailed reports may only be offered through a subscription, which may be an expensive choice for retail based investors. Based on the quality of the research provided about the company, such detailed reports may wind up costing hundreds or even thousands of dollars.

    For simple background facts, stock investors can peruse news articles, analyst reviews and research reports intended to supply fundamental company information. This basic information can come from analyzing previously published financial reports or catching up on current news events regarding the company’s activities. This fundamental research can be a place to start to obtain more information so investors can adequately analyze the data to make educated investment decisions.

    Investors can also take advantage of a variety of stock investment tools that offer management or raw data including current stock quotes, index performances or historical price data. Such tools may be purchased from a software company and then installed in computers. These tools assist in gathering, processing and analyzing raw data so the information is more useful to the investor.

    For example, an investor can take raw data of the historical closing prices of certain companies and run it through investment software to find out additional information such as the volume of stocks traded on a particular company for a said period of time or the historical price trend of one company compared to an index of other companies. These stock investment tools generate reports that assist investors in developing more effective trading strategies from the raw data they originally had.

    Certain stock investment tools purchased from various software companies may cost hundreds of dollars. This type of pricey investment may not be practical for small scale investors looking to make a profit right away. Individual or beginning investors can take advantage of analysis tools on the Internet made available from stock market companies for free to their clients. These tools are also made available for free to online investment clients to help them develop their trading strategies to try to achieve profits.

    Efficient stock investment tools, research products and information are readily accessible on the Internet for your convenience. However, it still requires data gathering, interpretation of analysis and careful planning to ensure successful trading. By using some online tools and careful analysis of the data, investors can develop viable trades for long term investment growth.

  • How To Choose the Best Router For Your Home WiFi?

    How To Choose the Best Router For Your Home WiFi?


    Choosing a reliable router is critical for getting the best WiFi performance out of your home network. Discover how to choose the best wireless router for your home WiFi.

    In Nepal, we have routers ranging from low-end to very high-end for various customer classes. TP-Link, Nokia, NETGEAR, Digicom, and other brands are available. When you setup a new internet connection, you are given a default router that meets the most basic criteria. However, if you want to ensure optimal performance as well as improved security for your home network, you must consider a number of variables.

    More antennas (MIMO) correspond to improved signal direction and allow you to receive the maximum bandwidth equitably across all of your devices. Using numerous antennas generates numerous streams of data packets over radio channels, increasing data speed to the devices.

    Routers with only one antenna are a thing of the past. All ISPs now provide their clients with dual antenna routers. However, if you want greater confidence, you can purchase a router with three additional antennae if necessary. However, there are more performance criteria than just antennas, which brings us to frequency bands.

    Dual-Band Or More

    As our internet requirements grow, so should the functions of routers. We require routers that provide continuous connections while using the same bandwidth. This necessitates the use of a dual-band router capable of delivering a continuous connection. Routers operate on two frequencies: 2.4GHz and 5GHz. A 6 GHz model is on the way.

    Another important element for modern companies or even households is the USB port. We can connect hard drives, printers, and other devices to the router and use them to run prints, examine data, and update software. If you have a USB C connector, you can charge your phone while making critical calls.

    Currently, most routers that come included with ISPs include a USB 2.0 port. If you want to go a step further, get your new router with USB 3.0 and USB-Type C capability.

    Router For Smart Home

    In recent years, the concept of smart houses has grown in popularity. Although the definition of a smart home is hazy, it includes the use of IoT, Alexa, Chromecast, Sensors, and other devices that require a stable internet connection with a high bandwidth speed.

    A router that is linked with Alexa or Google Assistant is required to supplement the demands for a Smart Home connection.

    Having a router with smart home integration will allow you to run many apps and devices at the same time, resulting in a domestic eco-system. You can control the router by speaking commands to Alexa. You can enable or disable WiFi, switch off the router’s LED lights, and so forth.

    If you want to buy a router that works with Alexa, you can go with the TP-Link Deco Voice X20 or look for others available in Nepal.

    An extension is good for one or two rooms, but if you want a full WiFi network solution, a mesh router is your best alternative.

    It is possible to infiltrate a greater area with a mesh Wifi router, such as the balcony or the basement, to the poolside.

    Mesh routers use two or more connected devices to provide a consistent WiFi signal throughout your area. It’s similar to configuring a slew of routers at home. Mesh router settings will provide you with a flawless WiFi connection in any room or region of your home.

    Mesh WiFi routers can easily found online.

    Security Features

    Security features are critical for protecting your home network from hackers and spies. Routers do include security measures such as antivirus software, VPNs, and other extensions to help safeguard the connection. The issue is that these features are not properly supported by routers with low-cost hardware.

    The image above depicts a typical menu of a Wifi Router that comes standard with Ntc FTTH.

    Search For Review

    Allow yourself some time to research a specific router if you have your heart set on it. You should look at its performance, dependability band, and security features to see if it meets your needs.

    You may find professional reviews on reputable websites, as well as consumer evaluations on YouTube. You can also read the buyer reviews and learn from their experiences. It does aid in determining whether the router you desire will satisfy your expectations. Learning ahead of time will save you money and help you avoid future regrets.

    So those are the guidelines we prepared to assist you in determining your next best router. However, it is entirely dependent on your needs and budget. Most default routers provided by ISPs have a single band that operates at 2.4GHz. They have one or two USB 2.0 ports as well as basic security measures and a restricted network range.

    Which One To Buy?

    We have compiled a list of critical elements that will ensure you get the best performance out of your router. However, the following critical question is which one you would require. Do you require a WiFi router with a 5GHz band, or do you require a WiFi Mesh router for a greater area? Or would you be OK with a standard router with a 2.4GHz band?

    The solution is in your goals. If you’re looking for a router for a large workplace with a lot of employees who use a lot of bandwidth, the default router from your ISP might not be the best option. Furthermore, network congestion may not be beneficial on a standard router. For constant performance, you may need to purchase a 5GHz router.

    Meanwhile, if you’re only using it for your little family, any basic router will suffice. Spend less on specifications and more on dependability and ease.

    In Nepal, you may purchase routers ranging in price from NRs. 2,000 to NRs. 15,000 or above. The major brands that offer numerous routers in various classes include TP-Link, Digicom, NETGEAR, and others. Mesh routers and repeaters are also available from several online retailers. As a result, first decide what features you want in a router before parting with your money. Having the greatest Wifi router is one strategy for increasing your internet speed.

    Which WiFi router are you currently using? Are you happy with its signal range and performance, or do you intend to replace it? What features in a decent wireless router are most important to you? Please share your thoughts in the comments box below.