Author Archive: Alexander Stubbs

What to Know Before Investing in Gold

gold trade

Gold is among the most precious minerals that are highly valuable. Its abundance and popularity are some of the reasons why it is precious.  There are several other factors that make it more valuable. You can read other facts about gold to understand more about this precious mineral. Several people have made money from investing in the mineral.

It is never too late to invest in gold, at any price, and in any way. The years pass, but gold certainly continues to exert a certain fascination on investors and non-investors, cyclically returning to being a highly sought-after safe-haven asset. Moments of crisis, such as the current one after coronavirus, have incentivized many savers to buy gold.

Is Investing in Gold Worth It?

Gold is considered the ultimate valuable asset. It has survived thousands of years of socio-political, financial, and technological changes (see Bitcoin, for example), almost always coming out of it in the best way. Can we say the same about any other currency on the market or stock? I do not think so.

Benefits of Investing

The following are the benefits of investing in gold.

It is a Limited Good

Gold is a precious metal that is obtained from mining, and the available stocks decrease with time, it is a fact as metals are limited in nature. This means that its value is bound to rise over time. The demand for gold from emerging countries does nothing but fuel this continuous and constant growth. Also, consider that in China, investing in gold bars is practically a tradition. It has always been considered an asset with an almost constant value, whatever happens.


gold investmentGold has always played a fundamental role during cases of “inflation” or when the price of the cost of living increases. Historically, in fact, its value has gone hand in hand with the rise in prices while, on the other hand, equities have always suffered from inflation.

High Demand

The more geopolitics creates financial uncertainties, the more investors and ordinary people rely on gold. Gold prices have seen major price movements in recent years, a direct response to the economic crisis that has hit the European Union. That’s right, the cost of gold rises when trust in governments reaches a low level. The increased demand is a reason why it will always maintain its high value. With these benefits, you can never go wrong when you invest in gold.

Mistakes to Avoid When Trading Cryptocurrency

crypto trading

Cryptocurrency trading is an ideal way to make profits. You can buy and hold your coins as you wait for them to rise in value. This type of trade is usually conducted on an exchange platform. There are so many online platforms you can use to buy or sell cryptocurrency.

You should look for a more reliable platform that will grant you a smooth time in your trade. As a beginner, you are bound to make many mistakes when venturing into this type of trade. The following are common mistakes made by newbies you should avoid completely.

Failure to Research

Before starting anything new, you need to do your own research. At the end of the day, you are going to invest in cryptocurrency money that has been earned through hard work, and therefore you need to have a good understanding of what cryptocurrencies are and what your next steps may lead to. It is not enough to listen to friends or “experts” on the Internet who can “help” you drain your money.

Do a little research before entering the world of cryptocurrencies. You need to understand the above, and only then join the trade.

Lack of Patience

It is difficult to be patient, but patience and calmness must always be maintained. There will always be third parties or factors that push you to buy or sell, but if you are patient with your crypto coins, you will be rewarded. Short-term and occasional gains from trading are certainly good, but in general, you need to stick to a strategy and plan accordingly.

Sending Funds to a Wrong Wallet

This is a mistake people often make. To avoid this, you need to double-check the correctness of the address you decided to send funds. You need to make sure that you do everything carefully and slowly.

Not Using Two-Factor Authentication

While you may not like it, be sure to activate two-factor identification (2FA). This is to keep your account secure. You should also save your recovery codes offline so that you can unblock your account if something happens.

Not Having Private Keys from Your Cryptocurrencies

This clause concerns your coins’ security and the privacy of the data that provides access to them. You should always have your own private keys because wallets can crash, exchanges can be hacked, and your losses can cost thousands of dollars.

4 Things That You Should Know About Holiday Tax Loan

emergency loan

A holiday tax loan is a type of emergency loan. When people need fast cash for their urgent needs, usually they go for emergency loans. Applying for emergency loans from banks and other lending institution seem to be the most viable solution to unexpected needs when you cannot find someone who can lend money without interest.

The various types of emergency loan differ from each other on the term requirements. While all require proofs of your paying capacity, a holiday tax loan demands the use of tax refunds to pay the cash advance you are applying for. So, to avail of a holiday tax cash advance, one should be a good-paying tax citizen, first and foremost.

Not the Best Option and Should Be the Last Resort

approvedAny loan is not the best option for your financial woes. If there are other means to get you out from your financial distress, then accruing loans should be the last resort. Have you tried reaching out to all your friends and family? Have you tried seeking help from your boss if the company you are working for can allow you to get a portion of your salary in advance? If all these fail, then you have to apply for an emergency loan.

Just like any loan, holiday tax cash advances can increase quickly if you do not pay it the soonest possible time. Having other sources of income to pay your cash advance and not depending only on your tax refund is favorable. It means that you can arrest the accrual of more interest on your loan.

Cannot Solve All Your Financial Problems

Holiday tax loans do not offer big amounts of cash that can help you solve big financial problems. Like all kinds of emergency loans, holiday tax cash advances have a maximum ceiling that it can offer to clients. The good thing about emergency loans is they are quick solutions to your financial needs.

There are a few requirements when applying for a holiday tax loan and application papers are not very long that will take hours of your time. This makes applying for an emergency loan like holiday cash advance very convenient and faster than any loan.

moneyNot All Holiday Tax Loans Are the Same

Holiday tax loans differ from one lending institution to the other. It is the responsibility of the borrower to weigh things on who is the best institution to apply for a holiday tax loan. If you look around, there may be lenders who are more considerate on late payments, lower interest rates, and have no hidden charges.

To tap it all, choose a lending institution with the best customer service, which can be friendly at all times and can entertain your queries any time of the day.

Take Note of the Services and Credentials

Apply for holiday tax loan from a lending institution with the best service and the best reputation. Reputable institutions usually give the best service and are known for their customer-friendly terms. Nowadays, holiday tax loans can be availed online, which makes it more convenient to apply for loans. There are other innovations that improve the services of lending institutions, which makes them stand out from other lenders.

Having a holiday tax loan is not a permanent solution to your financial condition. But if you take it as the first big step to remedy your financial problems, then it can be the best alternative. As always, being a responsible borrower is a good sign that you will be able to conquer all your financial woes.

9 Qualities That Can Lead You to Succeed in Your Business


According to a survey, there are at least 27 million entrepreneurs in the United States in 2015. By this year, it must have increased by another 3 million. Although the statistics, do not show how many of these businessmen are doing good in their business ventures, it is fair to conclude that some may be having some hard times in achieving success.

With many competitions out there, a businessman should have these outstanding qualities and skills that can let him survive in the jungles of the business world.


Bookkeeping is essential in all businesses. It can tell the story of where you might have gone wrong in your actions. Recording of events of not only financial matters can serve as evidence but as a basis for future decisions. There are courses online that are offering instructions to upgrade skills needed in the operation of a business. Find out more about the new training course called Knowledge Business Blueprint. Indeed, gaining more knowledge about running a business will make you empowered and confident.


Communication is a two-way process, speaking and listening. You are not good in communication without the two.  Listen to other peoples’ ideas while defending your own. You can weigh which is the better idea afterward.

Coordination is the best form of communication. By coordinating, we make our work simpler and easier to do. A lot of stress is removed from your shoulder when you are more organized.


teamwork The essence of teamwork is that there are more sane minds and able bodies to share in the workloads. Teamwork delegates accountability to a certain group of people thus, making all those in the group feel important.

Leadership Skills

To be able to be a good leader, you must know first how to follow. Unite the people around you. Do not draw a line in between them. Be a good example, and your subordinates will follow.

Passion for Learning

A businessman who thinks he knows everything is doomed to fail. Learning new skills and approaches will help in addressing new challenges that will come his way.


To be able to adapt to new situations is good for a business entity. Formulating the best alternatives to weather the storm is a quality that will ensure stability in the long run. Open-mindedness to new suggestions is a positive sign that the business will come up with new solutions to present problems.


communicationWhen you are resourceful, you do not need to go far and wide to search for the resources that you need. Look around at your company. The right person to do a task may just be in your roster of employees. Know how to appreciate the abilities of your employees, and they will give their all to please you. Assign responsibilities that they can do.

Time Management

There should be an allotted time for everything. Keeping schedules of activities will allow you to address all issues in your business.

Openness for a Second Opinion

Some faults and defects may not be felt or may go unnoticed unless you hire someone who is not part of your organization. An external audit is critical to a business entity. It will uphold your best practices and lay down the faults that you can improve on.

There can be more qualities that a business man should possess and one of them is to know how to take risks. Although, some have turned up successful after taking the risk, some have found the end of their venture. There should always be a well-informed decision when it comes to taking risks.

Private Student Loan Lenders: A Way to Get Finances for Your Education

student loans

With the current economic situation, it is becoming harder to afford the costs of higher education. This makes it difficult for most parents to take on the costs of the colleges or universities. With limited options available, most families are now opting for private student loans to aid in covering university costs.

Finding the right private student loan lender calls for more efforts unlike when getting a federal loan. This is due to most of the private loans are similar to commercial loans in many aspects. It is a noble idea to take the necessary steps before deciding on taking the loan. This way, you will be in a good position of evading bad credit, which can greatly affect your credit report.

Types of Loans

  • Federal

moneyThe federal government offers two types of loans namely the subsidized and unsubsidized loans. These come at great rates. However, they have one major drawback: they are too little to cover for your entire university education. This will force you to look for other means to fund your education.

This is where the private student loans come in. However, finding the right one can be a daunting task. Despite that, private student loans are the best since they have a variety of choices you can pick on. With this, you should see the complete list of lenders.

  • Private

This type of loan is mostly offered by credit. Private lenders will require a deep investigation on your credit report before they can offer you anything. Remember, a student joining higher education has gone no credit report.

The student makes claims from the parent’s taxes. This simply means that chances of the student qualifying for the loan are nearly impossible. However, this may not be the case since the student can qualify for the loan after a tedious process. To qualify, your parent must have well-established credit records.

Parents are the preferred choices by the lenders since they have a definite credit track report. They tend paying within the time limits. They will also not take the grace period, which mostly runs for six months.


As part of the requirements to qualify for the private student loan, the lenders may prefer you to have a co-signer. Once you add a co-signer to your loan application, you increase the chances of getting the loan even if the private lender had rejected it in the first place.

The co-signer acts like a loan guarantee and will assist you to pay some of the finances when repaying the loan. In simple words, once the borrower fails to repay the loans, the lender must demand payments from the co-signer.


Choices Available

Private student loan lenders offer a comprehensive range of loan choices. When you work in a private sector, you have a good chance of looking for the best loan that suits your needs. When you shop around for the best loan, you are guaranteed good rates that fit your budget. Besides that, you are assured of getting enough money to cover all your needs.

Why you should outsource your accounting department

Financial saving

Financial management plays a vital role in any business. The success of a business is anchored on the efficiency of its accounting department. Some organizations end up failing due to poor accounting practices. If you too fall in this category or you would want to up your accounting practices, it would be wise to outsource this business function to business accountants. This article highlights some benefits of outsourcing accounting needs. Read on for more insight.

Key benefits of outsourcing financial services

Financial saving

Financial saving

In any organization, every shilling counts. As such, business persons should embrace any activity that enables them to save or make more money. Outsourcing your accounting needs can help you save some coins. With the latter, you avoid expenses associated with having a permanent employee such as insurance, paid time off, among others. More to this, many service providers charge their services based on hours required to complete the task. On the contrary, if you have a permanent accountant, you will have to pay him or her whether there is work or not, which may be an extra liability.


Outsourcing your accounting needs is no option if you need to have your books kept in perfect order. Outsourcing assures you that you are working with a professional who understands all your accounting needs. If you need someone help you manage your payroll and at the same time submit your returns, you can be sure of having a team that will handle all your accounting needs. Not just that, you are assured of extensive experience without paying too much money.

Time saving

Financial savingThis is another key benefit that comes with outsourcing your accounting department. Accounting tasks can be tough and energy sapping. As such, this might limit your productivity in other tasks. Moreover, having an keep training and retraining people into your accounting departments. To avoid wasting time on things that are not do necessarily fall within your area of specialization, outsourcing your financial department leaves with adequate time to focus on what matters.

Contractual obligation

Many service providers, accountants included operate under a contractual obligation. As such, you do not expect to have them make critical mistakes considering that will have a direct impact on their operations. Thus, they have to provide quality services to attract more customers and retain the existing ones. With this in mind, you can be sure that these service providers will work towards ensuring you get quality services.



Lucrative ways to make extra money


Since way back then when we were children, most if not each one of us had a dream of having a lot of money and also a stable job, but with the current economy it is almost an impossibility to keep a stable job. Employment is one of the ways to generate a desired income. There are various ways to make extra money. Because of the widespread use and availability of the internet you can utilize it to earn extra cash as well. Discovering new ways of making money and trying them is a booming trends in this generation we are in. Below are some ways to make extra money even from the comfort of your home:

By cooking and baking

By cooking and baking

If you are conversant with baking, cooking and preparing homemade foods, then this option is suitable for you. With this option, you can generate some extra cash. Many individuals like homemade cakes and cookies, knowing that homemade food is better than the ones found in malls and markets.


Freelancing is a brilliant source of making extra income. There are a couple of jobs that you can do as a freelancer, freelance model, writer and so much more. This job requires to notch skills and flexibility. This will also offer you the opportunity to work from home thus making it more convenient and easier for you.


If blogging is what you are good at, you can create your own blog or website that can make you some good money, just like many bloggers do.

Making cash out of your creativity

If you happen to have a talent for making accessories, knitting and other handicrafts, you can raise extra income from your skills and talent. Since there are a lot of tourists coming and going, you should be able to make descent sales.

Garage sale

Owning a collection of shoes, dresses and a lot of other stuff that was kept over the years can enable you to make and acquire extra income. You can put them up for sale from your home. This is usually known as a garage sale.


take a photoBecause there is a huge demand for photography out there, you might want to put this profitable option into consideration especially if you have the skills and talent in photography. This is a valuable skill to have and a chance to make some extra cash. Weddings, holidays, birthday parties and so forth are some common events that require photography services.

Important questions to ask your financial advisor

financial advisor

Managing your wealth regardless of how big or small, is a complicated task. A financial advisor assists you to keep your money safe and also make it work for you. Before you begin working with your chosen financial advisor ensure that you ask them the following important questions:

What certifications do you have?

financial advisor

You need to be aware of what licenses and certifications your financial advisor possesses. Most of the top financial advisors are certified public accountants, consultants, fund specialists or analysts. There are some who even have a juris doctorate and insurance licenses. Even though each individual has to begin somewhere, you desire would be to work with a firm that has substantial experience in the financial field.

What safeguards are in place to protect assets from fraud?

Your assets should be under the protection of a reputable custodian. When you inquire about safeguards, you should ensure that you ask about any infractions the financial advisor has received previously, either with the firm or as a person. He or she should be a fiduciary in order to offer you the best services. Advisors with a strict code of ethics usually have standards that they share with their clients. However, regardless of how high their standards are, they should be in compliance with the state and regulatory agencies, financial industry regulatory authority and the security’s exchange commission.

What are your fees?

Your financial advisor should be completely transparent when it comes to fees. He or she has to disclose his or her fees structure, so as to understand how you will be paying. Some advisors are fee-only, implying that they offer a flat rate for services that are provided. Some financial advisors charge a commission fee. This implies that they make money from each product that you buy to assist your investments grow. It is vital to know which one you are working with or if you are employing the services of an advisor who charges a fee on top of earning commissions.

What access do you have to earning reports?

financial advisorYour financial advisor should have direct access to the top holdings of where your investments are. He or she should be in a position to inform you immediately what the earnings report is anytime you ask for them. At the very least, your financial advisor should be able to provide you with knowledge regarding your holdings before any assets or investments. By being educated about the available options and what assets are invested, you will be in a position to better understand what the consultant suggests.

Colonial Arts


The Spanish  Society presents the
14th Annual Winter Spanish Market

December 7 & 8, 2002 at the Sweeney Convention Center in Santa Fe, New Mexico

Santa Fe, NM — The rich Hispanic culture of Northern New Mexico will be celebrated at the 14th Annual Winter Spanish Market on Saturday, December 7, from 9:00 a.m. to 5:00 p.m., and Sunday,December 8, 2002 from 9:00 a.m. to 4:00 p.m. at the Sweeney Convention Center in Santa Fe, NM. A holiday tradition in Santa Fe, Winter Market features the work of some 120 Hispanic artists practicing the traditional regional arts. Winter Market also features storytelling, music, demonstrations and food and is a rare opportunity for visitors to enjoy a taste of New Mexico’s vibrant Spanish culture, both past and present. Admission is free to the public.

The Spanish Colonial Arts Society supports Hispanic artists through educational programs, grants, and the production of Winter Market in December and Spanish Market in July. These two major exhibitions give visitors a rare opportunity to meet some of the best Hispanic artists working in the region today.The Society’s collection of more than 3,000 art objects is housed at the new Museum of Spanish Colonial Art which opened in July 2002 at 750 Camino Lejo in Santa Fe. The collections include Spanish colonial arts covering five centuries and four continents.

All of the artists’ handmade objects are screened to ensure both quality and authenticity.The following handcrafted Spanish colonial arts are featured at both Winter and Spanish Markets:
Santos – depictions of religious figures in the forms of bultos (carvings in the round), retablos (paintings on wooden panels), and gesso and wood relief-carved panels.
Hide Paintings – religious images painted on deer or elk hide
Straw Appliqué – crosses, chests and boxes decorated with straw
Textiles – hand-woven on looms using handspun yarns
Furniture – usually made from pine using mortise and tenon joints
Colcha – unique regional embroideries employing the colcha stitch
Tinwork – decorative utilitarian objects of cut and punched tin
Ironwork – tools, fastenings, and household objects forged from iron
Precious Metals – silver or gold jewelry, utilitarian and devotional objects
Pottery – hand-sculpted bowls, pots, and other ware made from micaceous clay
Bonework – anillos (rings) and tool handles carved from bones
Ramilletes – decorative paper garlands
For complete information on Winter Market, Spanish Market or the Museum of Spanish Colonial Art, please contact 505-982-2226 or [email protected] Winter Spanish Market is funded in part by New Mexico Arts, the City of Santa Fe Arts Commission & 1% Lodgers’ Tax, and the New Mexico Department of Tourism.
For further information:
Spanish Market
Museum of Spanish Colonial Art
P.O. Box 5378
Santa Fe, NM 87502-5378

Phone: 505-982-2226 Fax: 505-982-4585
E-mail: [email protected] Website:
Spanish Market is funded in part by New Mexico Arts, the New Mexico Department of Tourism, McCune Charitable Foundation, and the City of Santa Fe Arts Commission and the 1% Lodgers Tax.