Tag: Risk

Becoming an Investor in Nepal

Before we get into how to become an investor in Nepal, it’s important to understand who an investor is. An investor is someone who puts money into something with the hope of profiting in the future. A return is the benefit derived from such an investment. Investors are always on the lookout for high-yielding investment opportunities.

What distinguishes an investor from others?

Based on a book written by Robert Kiyosaki Rich Dad Poor Dad, people can be divided into four distinct categories in terms of generating income. They are:

1. Employee (Salary-based) are those who work for others in order to meet their needs. They are paid at the end of the month for their work. Job holders are included in this category. Employees benefit from security because they know they will be paid at the end of the month. The main disadvantage of being an employee is the lack of freedom.

2. Self-employed are individuals who work for themselves. They have more freedom than salaried employees, but they must work like salaried employees to meet their demands.

3. Businessmen are the owners of the company Business owners hire others to work for them. They create products and services in order to make money.

4. Investors invest in businesses and stocks for profit.

According to the book, in order to become wealthy, you must be either a businessman or an investor, or both.

Investing characteristics

Not all of your money can be considered an investment. There are a few factors that distinguish between spending and investing. The following are the two most important characteristics that every investor should possess:

1. Safety of principal

The principal is your machine, which can print money for you. It is in your best interest to keep your machine in good working order. When you lose your principal, you can’t make money off of it. As a result, the safety of the principal should be your top priority.

2. Adequate return

When you put your money into a good business, you get something in return. Your return can take the form of cash, shares, or stocks. What you should remember is that your principal earns you some level of return. You should not expect a return on your investment that is exponential or even out of the realm of possibility. Investing with a non-realistic expectation of return is gambling. Never put your principal at risk. It is all you have.

Benefits of being an investor

1. Beating inflation

Inflation is a term used to describe the gradual decline in the purchasing power of money. A popular saying goes, “A dollar today is worth more than a dollar tomorrow.” As an investor, you have the ability to outperform inflation and keep your money’s value constant. You should always keep an eye on inflation and strive to outperform it. Your investment return should always be greater than your country’s inflation rate.

2. Own businesses of different types

It is yet another advantage of being an investor. You can own as many and as varied businesses as you want. What you should have are some investing principles that you can use before you start investing. After you’ve established your investing principle, the world is yours to explore.

A popular investing field in Nepal

There are three main popular fields of investing in Nepal. They are:

Land and Real estate

Real estate is and has always been the best investment opportunity. Real estate investment generates income from two sources: renting and selling real estate. It can be both active and passive investment. You can actively buy and sell properties, or you can simply invest in real estate and let time do the work of calculating your income. You can always expect your property’s value to rise over time. In the meantime, you can use the money you earn from renting to cover your day-to-day expenses.

Interest yielding deposits

Banks in Nepal offer competitive interest rates on fixed deposit savings. You can protect your principal by using fixed-deposit schemes offered by commercial banks or development banks in Nepal. While cooperative companies in Nepal have high rates of return, they have a bad reputation for fraud or scams. It is not a good idea to put all of your money in cooperatives.

In Nepal, there is also peer-to-peer lending. It pays a higher interest rate on your money than institutions, but it also carries a higher risk.

Interest-bearing deposits are one of the best passive income ideas in Nepal, regardless of where you choose to invest.

Nepal Stock Exchange

Nepal Stock Exchange (NEPSE) is the country’s sole stock exchange. If you are new to this, you can read the NEPSE beginner’s guide. Investing in stocks provides you with two significant benefits. You can be a shareholder in any company you want, and you will receive an annual return. Alternatively, you can sell your stocks if the price rises. Stock investing, like real estate investing, allows you to be either an active trader or a passive investor. Stock investing can begin with as little as 100 rupees. Stocks could be the next best small business in Nepal for you.

Furthermore, the best investment you can make is in yourself. Always seek to broaden your knowledge. Read books, websites, and news to stay current. One thing that all of the best investors have in common is that they are voracious readers. As the saying goes, the more you learn, the more you earn.

Lastly…

It is not easy to become an investor. To become a good investor in Nepal and other countries, a certain set of principles and hard work are required. However, it is not as difficult as learning rocket science. Anyone can become a good investor with careful planning and dedication. There are a few things you should never forget and a few things you should never forget. Best wishes for your investment.

January 3, 2023
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.
January 3, 2023
Introductory Tips on Trading Stocks
Everyone is looking for a quick and easy way to riches and happiness. It seems to be human nature to constantly search for a hidden key or some esoteric bit of knowledge that suddenly leads to the end of the rainbow or a winning lottery ticket.

While some people do buy winning tickets or a common stock that quadruples or more in a year, it is extremely unlikely, since relying upon luck is an investment strategy that only the foolish or most desperate would choose to follow. In our quest for success, we often overlook the most powerful tools available to us: time and the magic of compounding growth. Investing regularly, avoiding unnecessary financial risk, and letting your money work for you over a period of years and decades is a certain way to amass significant assets.

Here are several tips that should be followed by beginning investors.

Everyone is looking for a quick and easy way to riches and happiness. It seems to be human nature to constantly search for a hidden key or some esoteric bit of knowledge that suddenly leads to the end of the rainbow or a winning lottery ticket.

While some people do buy winning tickets or a common stock that quadruples or more in a year, it is extremely unlikely, since relying upon luck is an investment strategy that only the foolish or most desperate would choose to follow. In our quest for success, we often overlook the most powerful tools available to us: time and the magic of compounding growth. Investing regularly, avoiding unnecessary financial risk, and letting your money work for you over a period of years and decades is a certain way to amass significant assets.

Here are several tips that should be followed by beginning investors.

1. Set Long-Term Goals

Why are you considering investing in the stock market? Will you need your cash back in six months, a year, five years or longer? Are you saving for retirement, for future university expenses, to purchase a home, or to build an estate to leave to your beneficiaries?

Before investing, you should know your purpose and the likely time in the future you may have need of the funds. If you are likely to need your investment returned within a few months, consider another investment; the stock market with its volatility provides no certainty that all of your capital will be available when you need it.

By knowing how much capital you will need and the future point in time when you will need it, you can calculate how much you should invest and what kind of return on your investment will be needed to produce the desired result.

Remember that the growth of your portfolio depends upon three interdependent factors:
1. The capital you invest
2. The amount of net annual earnings on your capital
3. The number of years or period of your investment
Ideally, you should start saving as soon as possible, save as much as you can, and receive the highest return possible consistent with your risk philosophy.

2. Understand Your Risk Tolerance

Risk tolerance is a psychological trait that is genetically based but positively influenced by education, income, and wealth (as these increase, risk tolerance appears to increase slightly) and negatively by age (as one gets older, risk tolerance decreases). Your risk tolerance is how you feel about risk and the degree of anxiety you feel when risk is present. In psychological terms, risk tolerance is defined as “the extent to which a person chooses to risk experiencing a less favourable outcome in the pursuit of a more favourable outcome.” In other words, would you risk NPR 1000 to win NPR 10,000? Or NPR 10,000 to win NPR 10,000? All humans vary in their risk tolerance, and there is no “right” balance.

Risk tolerance is also affected by one’s perception of risk. For example, flying in an aeroplane or riding in a car would have been perceived as very risky in the early 1900s, but less so today as flight and automobile travel are common occurrences. Conversely, most people today would feel that riding a horse might be dangerous with a good chance of falling or being bucked off because few people are around horses.

The idea of perception is important, especially in investing. As you gain more knowledge about investments – for example, how stocks are bought and sold, how much volatility (price change) is usually present, and the difficulty or ease of liquidating an investment – you are likely to consider stock investments to have less risk than you thought before making your first purchase. As a consequence, your anxiety when investing is less intense, even though your risk tolerance remains unchanged because your perception of the risk has evolved.

By understanding your risk tolerance, you can avoid those investments which are likely to make you anxious. Generally speaking, you should never own an asset which keeps you from sleeping in the night. Anxiety stimulates fear which triggers emotional responses (rather than logical responses) to the stressor. During periods of financial uncertainty, the investor who can retain a cool head and follows an analytical decision process invariably comes out ahead.

3. Control Your Emotions

The biggest obstacle to stock market profits is an inability to control one’s emotions and make logical decisions. In the short-term, the prices of companies reflect the combined emotions of the entire investment community. When a majority of investors are worried about a company, its stock price is likely to decline; when a majority feel positive about the company’s future, its stock price tends to rise.

A person who feels negative about the market is called a “bear,” while their positive counterpart is called a “bull.” During market hours, the constant battle between the bulls and the bears is reflected in the constantly changing price of securities. These short-term movements are driven by rumours, speculations, and hopes – emotions – rather than logic and systematic analysis of the company’s assets, management, and prospects.

Stock prices moving contrary to our expectations create tension and insecurity. Should I sell my position and avoid a loss? Should I keep the stock, hoping that the price will rebound? Should I buy more?

Even when the stock price has performed as expected, there are questions: Should I take a profit now before the price falls? Should I keep my position since the price is likely to go higher? Thoughts like these will flood your mind, especially if you constantly watch the price of a security, eventually building to a point that you will take action. Since emotions are the primary driver of your action, it will probably be wrong.

When you buy a stock, you should have a good reason for doing so and an expectation of what the price will do if the reason is valid. At the same time, you should establish the point at which you will liquidate your holdings, especially if your reason is proven invalid or if the stock doesn’t react as expected when your expectation has been met. In other words, have an exit strategy before you buy the security and execute that strategy unemotionally.

4. Handle Basics First

Before making your first investment, take the time to learn the basics about the stock market and the individual securities composing the market. There is an old adage: It is not a stock market, but a market of stocks. Your focus will be upon individual securities, rather than the market as a whole. There are few times when every stock moves in the same direction; even when the averages fall by 100 points or more, the securities of some companies will go higher in price.

The areas with which you should be familiar before making your first purchase include:
- Financial Metrics and Definitions. Understand the definitions of metrics such as the P/E ratio, earnings per share (EPS), return on equity (ROE), and compound annual growth rate (CAGR). Knowing how they are calculated and having the ability to compare different companies using these metrics and others is critical.
- Popular Methods of Stock Selection and Timing. You should understand how “fundamental” and “technical” analyses are performed, how they differ, and where each is best suited in a stock market strategy.
- Stock Market Order Types. Know the difference between market orders, limit order, stop market orders, stop-limit orders, trailing stop-loss orders, and other types commonly used by investors.
- Different Types of Investment Accounts. While cash accounts are the most common, margin accounts are required by regulations for certain kinds of trades. You should understand how margin is calculated and the difference between initial and maintenance margin requirements.
Knowledge and risk tolerance are linked. As Warren Buffett said, “Risk comes from not knowing what you are doing.”

5. Diversify Your Investments

Experienced investors such as Buffett eschew stock diversification in the confidence that they have performed all of the necessary research to identify and quantify their risk. They are also comfortable that they can identify any potential perils that will endanger their position, and will be able to liquidate their investments before taking a catastrophic loss.

The popular way to manage risk is to diversify your exposure. Prudent investors own stocks of different companies in different industries, sometimes in different countries, with the expectation that a single bad event will not affect all of their holdings or will otherwise affect them to different degrees.

Imagine owning stocks in five different companies, each of which you expect to continually grow profits. Unfortunately, cirplusstances change. At the end of the year, you might have two companies (A & B) that have performed well so their stocks are up 25% each. The stock of two other companies (C & D) in a different industry are up 10% each, while the fifth company’s (E) assets were liquidated to pay off a massive lawsuit.

Diversification allows you to recover from the loss of your total investment (20% of your portfolio) by gains of 10% in the two best companies (25% x 40%) and 4% in the remaining two companies (10% x 40%). Even though your overall portfolio value dropped by 6% (20% loss minus 14% gain), it is considerably better than having been invested solely in company E.

6. Avoid Leverage/Margin Loan

Leverage/Margin loan simply means the use of borrowed money to execute your stock market strategy. In a margin account, banks and brokerage firms can loan you money to buy stocks, usually 50% of the purchase value. In other words, if you wanted to buy 1000 shares of a stock trading at NPR 100 for a total cost of NPR 100,000, your brokerage firm could loan you NPR 50,000 to complete the purchase.

The use of borrowed money “levers” or exaggerates the result of price movement. Suppose the stock moves to NPR 200 a share and you sell it. If you had used your own money exclusively, your return would be 100% on your investment [(200,000 -100,000)/100,000]. If you had borrowed NPR 50,000 to buy the stock and sold at NPR 200 per share, your return would be 300 % [(200,000-50,000)/$50,000] after repaying the NPR 50,000 loan and excluding the cost of interest paid to the broker (which is usually 16% and over).

It sounds great when the stock moves up, but consider the other side. Suppose the stock fell to NPR 50 per share rather than doubling to NPR 200, your loss would be 100% of your initial investment, plus the cost of interest to the broker [(50,000-50,000)/50,000].

A margin is a tool that can go extremely bad in a stock market like Bangladesh.

Final Thoughts

Stock investments historically have enjoyed a return significantly above other types of investments while also proving easy liquidity, total visibility, and active regulation to ensure a level playing field for all. Investing in the stock market is a great opportunity to build large asset value for those who are willing to be consistent savers, make the necessary investment in time and energy to gain experience, appropriately manage their risk, and are patient, allowing the magic of compounding to work for them. The younger you begin your investing avocation, the greater the final results – just remember to walk before you begin to run.
January 3, 2023
Boosting Your ROI in Stock Market Investing

Everyone wants a high return on their investment in stock market trading. First let’s consider the basics and the ways to earn the most on your investments.

Return on Investment

Usually referred to as ROI, the Return on Investment in stock market investing is the profit earned from selling a security or other asset divided by the amount of the original investment. With stocks, your ROI is expressed as an APR (annual percentage rate).

Your ROI is all the income you make on the stock, which also includes profit earned from selling the stock. When the sales price plus any other income is higher than the price you purchased the stock for, your ROI is positive.

When the sale price plus any other income is lower than the price you bought the stock for, you have a negative ROI (which is obviously what you want to avoid). In fact, as a trader in the stock market, your goal is a high ROI, not just a positive one. To achieve a substantial ROI, consider the following methods to boost your current stock investing efforts.

Know What You Are Purchasing

To ensure a high ROI in stock market investing, garner as much information as you can about the company you want to invest your money in. A bit of basic analysis to find out if the stock is worth the asking price can go a long way. Rather than gambling, you can also ask other people to do this research for you if you don’t have the time to do it yourself. Reliable research resources include the websites of major brokerage firms, mutual fund companies and finance publications. There are also paid newsletter that offer this information.

A Bull Market Is Not The Same As Smart Investing

When you earn a high ROI in stock market investing, there are many reasons for it. One of the possible reasons is your wise investment strategy. Another reason can simply be the good fortune to be in the right place at the right time so you wind up making money with minimal effort. We may feel smarter when the market is soaring so we get tempted to take on riskier positions and trade more frequently, which may not be the wisest decision.

Deactivate Active Trading

You may feel tempted to trade frequently when you are gaining. With online stock trading, investment is a mouse click away which can make you even more impulsive. Remember that it is difficult to make money by beating the stock market consistently. In stock market trading, it is better to have a buy and hold strategy to ensure a high ROI.

Take Note of The Tax Man

Pay attention to tax ramifications when trading stocks. Frequent trading can become extremely costly, especially when major income taxes are triggered by profits. By buying and holding for a period of at least one year, you would qualify for a lower capital gains rate. Your financial advisor should be able to consult with you on this.

January 3, 2023
Guaranteed Ways to Earn Money Online in Nepal
Learn about the most reliable and effective ways to make money online in Nepal while sitting at home. This is the instruction for you if you want to make a ridiculous amount of money on the internet. Get secret internet jobs for students without investing at the end as a bonus.

Advantages:
- Earn money and huge commissions.
- Financial Freedom
- Be your own boss
Warnings:
- Takes a lot of effort and time to learn.
- Is not achieved over night.
- Bad for the eyes, as the bright computer screen can damage them.
- Needs focus and attention.
- As there is a quotation, “no pain, no gain“.
Requirements:
- PC
- High-speed internet
- Basic computer knowledge
- Full Time and Working Hours
- Hard Work & Dedication
- English (written and spoken)
- No Experience Required
How can I Earn Money Online in Nepal?

Take a deep breath if you’re tired of battling challenging jobs or pursuing clients every day. This tutorial will show you how to set up a monthly recurring revenue stream and become self-employed.

These methods assist you in generating a passive income, which is an ongoing income obtained on a regular basis with minimum effort. You can still amass riches even if you cease working on a daily basis.

This article is meant to offer you a rough concept of how to make money online. I’ll give you some pointers on how to create numerous revenue streams that generate recurring money that exceeds your monthly expenses. Turn on the bell notifications or follow me on social media for more in-depth information.

#1. CPA

Top CPA networks:
- Max Bounty
- PeerFly
- NeverBlue
- Fluxads
#2. Google AdSense

Google AdSense is one of the most well-known and reliable ways to earn money online. It’s a contextual advertising program that, if used correctly, will provide you with a guaranteed income. When someone views or clicks on the adverts placed by AdSense, you get compensated.

The AdSense process is broken down as follows:
- First, create a website.
- Put content on it.
- Submit your application.
- Get approved Adsense Account
- Place Ads through it.
- Gain website visitors.
- Get paid every month when you reach a threshold of $100 dollars.
There are a plethora of alternatives available but AdSense is the best. Other networks don’t pay much enough to make a living out of it.

We need a lot of help and advice at the beginning stage to understand AdSense functionality. So, get started by reading my guide on How To Get Adsense Approval.

#3. YouTube

Everybody knows and have heard about YouTube. You might have even discovered people making money from it. But how do they do it?

Let me simplify it for you.

Actually, YouTube and AdSense are similar. In YT, advertisements are displayed in videos than text.

In fact, Youtube has 1 Billion users & 5B clips are being played every single day. As high-speed internet is expanding all over the world, these numbers will double next year.

YouTube success is all about subscribers, views, and watch time. Let me explain:

Subscribers: People who follow your channel and want to continuously watch your videos.

Views: The total number of times a clip was played.

Watch Time: The total time spent by users while watching your videos.

If you can get the maximum number of these three, you don’t need a job in Nepal.

There are many options to earn money from Youtube channel. The oldest is Yt’s built-in Adsense feature. This is different than method #1. The website is replaced by YT to display advertisements in this method. You must be eligible for the YT partners program as follows:
1. Your channel must have 1,500+ subscribers.
2. 4,000 hours of watch time.
3. Channel should have risk free content that does not violate the program rules.
The news channel and pranks are the most popular issues in our country. Despite the dangers of pranks, the stage, setup, and scripts can amuse the audience. However, we do not advise you to do so. You are free to begin working on more profitable issues.

Big firms may sponsor you if you have a large number of subscribers. They request that their product be advertised, and in exchange, they are paid 10 times more than Adsense.

The live broadcast for premium subscriptions as well as the super chat both earn money. At the time of writing, Superchat was not available in Nepal. We require a Paypal or MasterCard account for premium subscribers. Because there are no other funding options for beginners, they rely on Adsense or sponsorship.

By the way, subscribe to my channel here.

Can we earn money from YouTube in Nepal?

Yes, we can earn money from YouTube in Nepal. We need a youtube channel, plan our content based on a specific niche and start uploading videos. A good camera, sound system, and well-written scripts always help. Read my guide on how to start a youtube channel to learn more.

#4. Freelancing – Online Job

Freelancing pays you for completing a skilful task. For example, photo skin retouching, video editing, 3d game assets creation, and more.

The best part – it lets us withdraw money from the bank wire transfer. Clients will pay you a fixed amount for doing a task, that could be anything from design to drawing. It could also be article writing or finding specific things on the internet. Freelancing has unlimited jobs & it is 100% legitimate source of income.

Our take:

We have tried freelancing, and it works. Upwork & Freelancer.com are the best sites for Nepalese. They deposit payment into your bank account. Freelancer dot com is a complete competition site between workers around the world. It is easy to sign up without hard verification. Be sure to make a better profile to impress customers and increase the success rate.

#5. SEO Auditing

Search Engine Optimization is a long term strategy to bring visitors and leads to a website. Every owner needs SEO tools & services to beat their increasing competitors online. But it requires a lot of effort to appear on top of search engines.

In this scenario, learn to do SEO first, which is super easy. The clients might reward a large sum of money up to $500 – 1,000 dollars per project. They can also pay according to your demand. We can negotiate through private chat, video conference, or mobile calls.

Our Take:

Before getting clients, build trust by ranking your website as proof. I will share how to find SEO clients without begging or spamming. Most bloggers don’t share this on their websites. This is a secret technique that I will tell when this post reaches comments from 100 real people.

#6. Web Development

Web development is for expert programmers and coders. This requires advanced and deep knowledge of the following languages:
- HTML
- CSS
- JavaScript
- PHP
- jQuery
- XML
- Bootstrap
- MySQL & More
The above languages can develop and sell websites and mobile apps. To get started with web design and development, watch the following video.

#7. Sell Social Media Accounts

Managing social media is the best online jobs in Nepal. You are paid for handling the celebrity or company pages. Just grow an audience through Social Media Marketing, even without having experience.

YouTube monetization is also difficult due to strict rules. So start a YT channel, then monetize it and sell to buyers.

The same trick can be used for Twitter and Instagram accounts. They have a high amount of money involved and can be sold between Rs. 20,000 to 1 lakh Nepalese rupees. The price relies on the number of followers and audience engagement.

#8. Affiliate Marketing

Affiliate Marketing is quite popular all over the world. We generate commission by selling products from websites on autopilot every month. This process isn’t overwhelming, but it might be confusing for beginners.

The complete procedure for affiliate marketing are as follows:
1. Niche Research
2. Select your affiliate program
3. Zero competition keyword research
4. Build a website
5. Optimize Site Speed
6. Do SEO & Link Building
7. Collect emails
8. Sell Products & earn commission
Some trusted affiliate marketing programs are:
- MaxBounty
- Jvzoo
- Amazon Associates Program
Stay in touch with us as we will soon publish guides on affiliate marketing.

#9. Be An Online Instructor

Becoming an online instructor is another best way to earn money online in Nepal. Suppose you are an expert in a specific field. Sell courses or provide live coaching through videos, and skype chat.

The following type of courses that have high demand:
- Web Design & Development
- Photoshop
- Video Editing
- Psychology (Gestures & Human Behaviours)
- Game & Software Development
- SEO & Blogging Courses
- Mathematics, Physics & Chemistry online classes
- Motivation & Brain-Boosting courses
- Entrepreneurship, etc.
Udemy is a platform to join for free as an instructor and sell video courses.

How can I make money online with zero investment?

These are the ways to make money online without paying:
- Use Google Adsense with a free Blogspot sub-domain.
- Join a freelancing site.
- Become an online instructor
- Attend paid surveys
- Write guest articles for websites.
- Make youtube videos & more
Online Job In Nepal for post-SLC Students (SEE)

Please note that you cannot become super-rich by performing these jobs. They are suitable for pocket money so that to stop begging your parents. Now, an online job here means an occupation that is possible to work from home. We are not trying to state a portal to apply for bank manager, assistant, or similar.

Some online jobs in Nepal for SLC (SEE) passed students are:
- Logo Designing
- Photo Editing & Retouching
- Article Writing
- Sell Social Media Accounts
It requires advanced Photoshop skills for logo designing and photo retouching. For, ‘article writing’ you can find many Nepali bloggers through Facebook. They will pay you per specified number of words per article.

I don’t recommend Blogging, YouTubing, and affiliate marketing for students. It requires research, hard work, and full-time dedication. So, this can divert their minds away from studies. Our country needs real human resources like doctors and engineers than a blogger.

Issues with e-commerce in Nepal

Before we start, let me address a major e-commerce problem in Nepal. Many websites and YT videos tell us fantastic stories to make money online. The figure that they show is unimaginable.

The fact is, you can make money out of anything with proper skills. But for earning from the internet, PayPal or MasterCard is necessary in most cases. This is hardly available in our country.

The methods posted here do not require cards to withdraw money. If you don’t have connections aboard, try these tricks. Also, becoming an IT expert is rarely considered.

Our Advice

At a glance, the top 3 guaranteed ways to earn money online from home are:
- Google Adsense
- Becoming a YouTuber
- SEO Auditing
I hope that this article about how to earn money online in Nepal helped you. I also do web designing and assist students like you. For help on this or want to take it to the next level, feel free to drop a comment below.
January 3, 2023
How to learn any skills faster in six steps

Practice makes perfect when it comes to skills.

G. I. Joe Fallacy: the idea that knowing is half the battle. It needs to be retired not just from our theories of how the mind works, but also from our practices of trying to shape minds to work better.

Laurie Santos and Tamar Gendler

As a consequence, if you want to achieve an objective, lectures alone will not suffice. You want to be more prepared. Lectures can only help you learn more. It will not provide you with the tools you need to improve your job performance.

Set (realistic) goals!

Your objectives should be SMART (Specific, Measurable, Achievable, Relevant and Time-bound).

You can also use the WOOP technique (wish, result, challenge, plan) to set goals and achieve them more quickly.

In his book Originals, Wharton Organizational Psychology Professor Adam Grant suggests that the greatest input comes from fellow creators, not from the audience or managers.

We could all rely more on peer feedback and do a better job saying, “When I’ve got a new idea, I’m not necessarily going to trust my own judgment. But I’m not always going to trust … middle managers who tend to be the most risk-averse and most conservative. I’m going to go to people who are fellow creators.”

Adam Grant

Deliberate practice to learn any skill faster!

Regular practice may be mindless repetitions, whereas deliberate practice requires focused attention and is done with the explicit goal of increasing performance.

Benjamin Franklin’s father chastised him for his poor writing skills when he was a teenager. Franklin made a pledge to himself to improve his prose. He began by reading works by some of the most popular authors of the time. He then rewrote each essay in his own words before comparing it to the original.

World-class violinists only train for 90 minutes a day, but those 90 minutes are spent focusing on areas where they are weak or need to develop. They don’t practice what is easy for them. It’s pointless to do so. Deliberate practice, on the other hand, forces one to step outside of their comfort zone. You’re still focusing on what you need to work on, and once you’ve accomplished it, you move on to more challenging skills. It’s like turning your life into a game.

Choose the mindset required!

Carol Dweck coined the terms “fixed mentality” and “development mindset” to describe people’s beliefs about learning and intellect. Students who believe they can boost their intellect understand that perseverance pays off. As a result, they put forward more effort and commitment, resulting in increased results.

We can change someone’s perspective from fixed to development, according to studies. They become more inspired and do more as we do so. The study of brain plasticity has shown how neuronal communication changes over time. With practice, neural networks form new associations and strengthen old ones.

January 3, 2023
Stock Trading in Nepal – An Introduction

A share is essentially a fraction of a company’s ownership. Purchasing or selling shares entails acquiring or disposing of a portion of the company’s ownership. The stock market, also known as the share market, is a place where you can buy and sell stocks. In order to raise money, public corporations usually sell shares to the public, but the stock market often trades other instruments such as debentures, bonds, and mutual funds.

Dividends are a way for you to get a piece of those companies’ earnings as a shareholder. While share trading is an exciting way to earn money both actively and passively, it is also risky since investors can have to bear the loss if the company fails. As a result, as a novice, it is important that you gain a thorough understanding of the market before investing your money in stocks.

Here is a brief introduction of how you can participate in the game of stock trading.

1. GET STARTED: OPEN A DEMAT ACCOUNT

Opening a dematerialized (DEMAT) account at one of the Depositary Participant (DP) licensed by the Central Depository System and Clearing Limited (CDSC) is a prerequisite to participate in both primary and secondary market. Most commercial banks, merchant bankers and stockbrokers provide such services. If you already own some stocks in your name, then you can give your DP to dematerialize your physical share certificates into dematerialized shares. The DEMAT account is similar to a bank account which debits and credits the shares you sell or purchase. Most DP’s also provide clients with facilities to check their DEMAT account status online as well.

2. KNOW THE MARKET

To get started in the stock market, it is essential to first understand how the market functions. Securities Board of Nepal (www.sebon.gov.np); the sole regulator of the capital market is a useful source for primary information. Its website provides information on various securities laws, investor education, and upcoming public issues amongst others. Similarly, the Nepal Stock Exchange (www.nepalstock.com) the sole secondary market; and its mobile-based application is a great source to get hands-on information. There are many other popular websites that provide constant updates about the capital market such as; Share Sansar and Mero Lagani. Furthermore daily national newspapers, websites of merchant bankers and credit rating agency – icranepal.com – also provide good information.

3. PARTICIPATE IN THE PRIMARY MARKET – APPLY IN PRIMARY OFFERINGS

One of the best opportunities to participate in the capital market is to apply for primary offers in the primary market such as; Initial Public Offering (IPO) or Further Public Offering (FPO). Most companies offer primary issues to the general public at face value of NPR 100 per stock, or at a premium based on their valuations. The risk is lower when you purchase in the primary market as you get an opportunity to buy shares at a lower cost as compared to purchasing those shares in the secondary market once they are listed. Also, look out for opportunities to participate in the primary offering of mutual fund schemes which can be a beginning point.

News about primary issues generally comes out in national newspapers and are widely announced on other media platforms. Once you know the primary issues are out, you can read their prospectus to see their detail information such as; past and projected performance, & management amongst others. You can also look at their credit rating provided by a licensed credit rating agency before making the decision to invest.

4. PARTICIPATE IN THE SECONDARY MARKET– OPEN A TRADING ACCOUNT AT A STOCKBROKER OFFICE

All the stocks offered via the primary market are listed in the secondary market i.e. Nepal Stock Exchange (NEPSE); currently, there are 231 companies listed in the stock exchange. The secondary market provides the platform to sell the shares you hold or purchase new shares from the market. The share price of these listed companies and the value of NEPSE Index changes every day based on total demand and supply of shares in the market.

If you wish to get involved in the secondary market, you will need to open a transaction account at a stock broker’s office. There are currently 50 stockbrokers licensed by NEPSE while there are a few stock broker offices outside Kathmandu. Once you open an account with a stockbroker, they will provide you with a unique ID code via which all the transactions in your name will be executed.

To make a purchase or sale order you will simply have to call your stock brokers or visit their office to place an order, make sure you have the shares in your DMAT account before you place a sell order to your stockbroker. The stockbroker charges some commission as a brokerage fee for each transaction while you have also have to pay a capital gain tax of 5% if applicable while making sales.

5. STILL CONFUSED- SEEK PROFESSIONAL HELP

If you are still confused and less confident about entering the market or you do not have time, energy and resources, do not worry as there are a number of professional licensed Portfolio Management Companies providing you with a full range of products and services under Portfolio Management Services (PMS). Based on your investment goals and expectations, these portfolio managers develop portfolios matching your risk appetite and invests in the capital markets on your behalf. The portfolio manager charges minimal annual and performance fees while these services offer you the opportunity to grasp the benefits of the capital markets. Moreover, you can also handover your existing portfolio to these portfolio managers for restructuring and further management.

All in all, as the stock market is constantly evolving and getting technical, retail investors are highly advised to seek professional advice and avoid making investments on herd mentality – invest wisely!

January 3, 2023
What Stock Market Basics Do You Need To Know?

To succeed in the business of stocks, learning the stock market basics of the trade is essential. The stock market is a complicated game and knowledge is power when it comes to financial freedom.

The decisions you make can yield unlimited earnings or completely break your budget. While there is some level of gambling involved in the stock market, an educated trader will ultimately achieve success.

Prior to risking your hard-earned cash on the stock market, you need to recognize certain vital factors when deciding which company to invest in.

Consider these stock market basics to learn more about the company you want to buy into:

Check Out A Company’s Revenue

What is the actual amount of money the company makes? This total amount is referred to as revenue. While young companies in their early stages of development may not have much revenue to offer, other companies who have been in the market for a long time may use their revenues to cover costs and losses.

A Company’s Earnings Make A Difference

How much money does the company make? This amount of money is called a company’s earnings. Beside revenues, earnings may be used to cover expenses. Earnings are the extra money taken in by a company. Because investors investigate the earnings made by a company they want to purchase stocks on, the companies with large earnings have a distinct advantage in the stock market.

A Company In Debt Is A Bad Sign

How much money does the company owe? Debt is the money owed by a company, which can be represented in many different ways. When a company is in debt, the money they have will be used to pay up the debit. It is risky to purchase stock from companies in debt because the company is unstable which could result in them declaring bankruptcy.

A Company Should Own Property

What does the company own? The assets owned by a company, including business, money and stocks, are referred to as property. When you are aware of a company’s assets, you can better ascertain their position in the industry. When companies have significant properties under their ownership, it is safer to trust their background. Often people will immediately buy stocks from companies holding a major amount of assets because they are more secure.

A Company Should Show Financial Responsibility

How much does the company have to pay out and what are their total financial obligations? Each company has different financial obligations. When a company has few financial obligations, they are in less danger of getting into debt. Examine the liabilities versus the assets of a company to determine their financial responsibility. A company should have higher assets than financial obligations.

Gambling your money on a company you know nothing about is an unsafe and unwise decision. By simply reviewing the company’s background, you have all the stock market basics right at your fingertips.

To make sure your money is in the right hands, do your research about the companies you want to invest in.

January 3, 2023
How Does Hindsight Bias Influence Investing Decisions?

Since its top of 1881 in 2016, the Nepal Stock Exchange has been on a downward trend. The market dropped to as low as 1100, a drop of nearly 40% from its peak. Many investors lost a lot of money as a result of the devastating market meltdown.

If we ask investors right now if they thought the market was going to tumble after 2016, many will say yes. However, at the peak, investors were more bullish on the market. The massive quantity of everyday turnover demonstrates this. The daily transaction amount was between 1.5 and 2 billion rupees.

So, how does an investor’s opinion of the same event change? This is a psychological phenomena known as ‘Hindsight bias.’

The tendency of people to perceive events as more predictable than they actually are is referred to as hindsight bias. In other words, it makes the past appear less predictable than it was. Things always appear more evident after they have occurred.

Decision making is difficult prior to the occurrence due to a lack of information and foresight. However, looking at the available results after the event, the outcome appears more predictable.

During the bullish era in our market, investors were uninformed of the oncoming market disaster. As a result, many people were highly involved in stocks. Some people predicted that the market would crash. However, no one was certain at the moment.

However, after the market fall, investors believe that they were forewarned that the market would drop. With more information regarding the market crash becomes accessible, investors appear to be more sure about the event’s predictability.

Why is hindsight bias dangerous in investing?

Consider the following scenario: You are considering purchasing a stock called ABC. However, you do not purchase it for some reason. The price of ABC stock then skyrockets. What are your thoughts?

The answer is that you are stupid. You kick yourself for squandering the opportunity. You are remorseful for not purchasing the stock when you realized it was a winner. You tell yourself, ‘I knew the stock would soar.’ This is what we mean by hindsight bias.

So, what makes it dangerous? This is because you have made a promise to yourself that you would not make the same mistake again. You are more confident in your decision-making abilities, and you vow to seize the next opportunity. This is the danger that hindsight bias can cause. The next time might not be the same as the previous.

Let’s have a look at another scenario: You consider purchasing a stock called ABC. However, you do not purchase it for some reason. The price of ABC stock then plummets. Now consider if you would have felt the same way in the first situation.

No, it does not. You congratulate yourself on making a wise decision not to buy ABC stock. You knew the stock would decline, which is why you didn’t buy it in the first place.

Why is the response different in these two cases? In an ideal world, the answer in both cirplusstances would be the same. In both cirplusstances, you made the same decision not to acquire stock ABC prior to the rise or fall in its price. However, after the event occurs, such as a price rise or decline, you change your reaction in accordance with the nature of the occurrence.

This is risky because it gives you the impression that you knew it all along, giving you a false sense of security in your judgment. This can lead to overconfidence in your financial abilities and reckless decisions.

How do you prevent falling into the Hindsight Bias trap?

Several behavioral experts have recommended producing a list of everything that was considered when making the decision. This could be a good plan. We will know what our thought process was at the time of decision making if we make a record of the reasoning behind our decisions. We cannot change our statements after the event has occurred. This will aid us in making an accurate assessment of our abilities.

Investors may not consider hindsight bias as a concern. However, it may lead you to make decisions based on your perspective rather than facts.

In conclusion

In our daily lives, we experience hindsight bias. Whether it’s investing, gaming, exams, or anything else, the outcome makes us feel much more confident in our abilities. If Real Madrid beats Sevilla, we’ll tell ourselves and others that we knew Madrid was going to win. Similarly, if the stock/real estate price is rising, ‘I knew it’ comes into play.

Even if it hasn’t caused any immediate harm, it can make you overconfident, causing your next bet to be more illogical. Real Madrid won, but the outcome might be different the next time. Past events cannot be utilized to predict the future completely. Information and strategies evolve in tandem with the passage of time.

As a result, it is preferable to treat each possibility as new and base your judgment on facts. The past appears to be easy to anticipate, yet this is not the case. It is a hallucination that arises following the occurrence of the result. As a result, it is preferable to stick to your investing ideas and tactics.

January 3, 2023