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Passive Perfection – The 5 Passive Income Streams With The Best Returns

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Working smarter, not harder, is the mantra of the day. People are no longer willing to spend most of their lives at work. We want our jobs to enrich our lives and fund our personal pursuits. Now more than ever, we want to spend our time in a fulfilling work environment with minimal stress. Below are some ways that you can invest in passive income sources so that even while you are sleeping, you can be making money.

  1. Real estate

Have you considered investing in property but been put off by the idea of all the hassles involved in renting out a house? The good news is that you can generate passive income from real estate by investing in commercial property management. In this type of arrangement, you can reap the rewards without too much initial effort.

Many people decide that they want to be a silent partner in this type of venture because all it requires is that you invest some initial capital. If, however, you want to take a more active role, you can choose to take on the property management yourself. Either way, by owning property and leasing it out, you can earn a significant amount of extra income.

  1. The stock market

Another way to earn passive income with an initial startup cost is through dividend-paying stocks, EFTs, and other investments such as lending clubs. These types of investments can help you earn money around the clock with no work on your end. It does take time to build up a strong and legitimate portfolio, but with the proper guidance from a reputable investment firm, you can be sure that your dividend investments will pay off.

  1. Affiliate marketing

If you are a heavy internet user (like most of us), then there are several ways you can leverage your online presence to create passive income for yourself. Affiliate marketing is an income idea that requires you to have one or more platforms on which you can promote products for other companies. This works extremely well on social media platforms within your local community where you can see what people are after and provide affiliate links that help them while earning you a commission. When someone uses the promotion link on your site or post to buy from another company, you get paid.

  1. Website ads

In conjunction with affiliate marketing, you can also leverage your internet space by displaying ads on your website. Again, this does require you to set up a site, but the more visibility you can create, the more money goes straight into your pocket. This can be so profitable that it’s often called owning online property. Advertisers pay to display ads on your site, and you get paid simply for attracting traffic. How easy is that?

  1. CPC ads

The final way to leverage your online property is to go with cost per clicks (CPC) ads. Unlike affiliate marketing and display ads, you get paid every time someone views or clicks on an ad versus only when someone buys something after clicking on the ad. You can make money simply by driving traffic to your website and letting the adverts sell themselves.

Whether you choose one or all of these methods to generate passive income, you can earn a significant amount of money by investing in ideas that will help you down the road. You may not see an immediate influx of funds into your bank account, but hold out for the long haul, and you’ll eventually be able to live without working.

What the digital banking revolution means for Australian banks

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The future of banking is digital, and the Australian financial services industry needs to brace itself for a transformative year ahead.

“A digital transformation is inevitable in the Australian marketplace,” says Myles Bertrand, Managing Director APAC for Mambu, “however many of our established institutions are in dire need of a cultural overhaul before they can really embrace this brand-new world. Banks need to start thinking and operating like fintechs in order to maintain their position at the forefront of the Australian financial services industry.”

Mambu – launched in Germany but operating globally, including in Australia – works with banks, fintechs and telcos to help create a technology-first approach to banking, opening up new opportunities to optimise operations, ensure regulatory compliance and increase customer acquisitions.

In Australia in particular, it is the impact on regulatory compliance that is a key area of interest when it comes to the new era of digital banking.

“The good news is that digital banking is actually going to make it easier for financial institutions to comply with all of the different regulations,” says Bertrand. “It’s going to make it easier to track transactions, keep data safe and will also reduce duplication. So those organisations that make the transition from less secure legacy systems to cloud-based digital platforms, where security improvements are constantly made, can boast greater peace of mind and set themselves ahead of competitors.”

To stay in the game, banks need to be able to roll out products and services at a rapid pace, adding new features to platforms, while simultaneously enhancing existing ones. This kind of agility is next to impossible to achieve with most institutions’ legacy systems. However, composable banking architecture – the quick and flexible assembly of independent systems on a cloud platform – can provide the opportunity for organisations to create a dynamic platform with intuitive, responsive features that can be quickly and continuously updated.

A truly agile platform undergoes short, regular updates with a constant pipeline of improvements that are automatically layered on top of existing cloud technology and allows business to run uninterrupted on the front end. This allows financial institutions to make minor changes regularly, rather than major, infrequent updates that can cause significant disruption and draw the ire of customers, as has been the case with some traditional transformations.

With so many new players arriving in the marketplace looking to capitalise on the impending digital transformation of the industry, the key to successfully transitioning to digital banking is to look for proven, reliable fintech partners with experience and a successful track record in helping financial institutions make the switch. By working collaboratively with a proven digital engine, banks and financial institutions can build innovative integrations into new or existing product channels, creating simple, streamlined and automated customer experiences.

“I think the whole financial services industry – globally, not just in Australia or the APAC region – is going to be turned on its head over the next 12 to 24 months,” concludes Bertrand. “We really want to help banks take the leap and make the necessary changes to embrace the opportunities that digital banking can offer and set themselves up for success.

“As the looming fintech age forces institutions to digitise, innovate and scale to adapt to customer needs, those banks and financial institutions that can move at the pace of a technology company while remaining committed to strength, security and service will be the leaders of this new era.”

Myles Bertrand is the Managing Director, Asia-Pacific, for Mambu, the market leading cloud-based banking platform.

Property Picks 2019 – How Should Homebuyers Be Investing This Year?

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Those who are avid property investors will know what an absolute jungle of competition it is out there in 2019. Whether you are someone who invests in property for capital gain or a great rental return, it is important that anyone investing do some research into trends in the property world and proceed with caution. If you’re looking to invest in Australian property this year, here are some insightful tips into exactly where you should be spending your money in 2019. Read on to find out more!

Magnificent Melbourne

If you are looking to invest in property in Melbourne, we highly recommend focusing your attention on the middle to outer western suburbs in 2019. Properties in these areas are highly affordable, and have some of the biggest potential to grow in the coming years. With a number of project home builders focusing their attention on these areas in Melbourne, it is no surprise investors are racing to purchase properties before anyone else gets the chance to.

Some upcoming suburbs in Melbourne include Reservoir, Thomastown, West Sunshine and St Albans. The best properties for investors to spend their money on would be bungalows and townhouses with some land content. For those looking to invest in a home slightly closer to the city, units and townhouses are a fantastic option. Experts advise that if you’re looking to invest close to the city, you should look for properties that are within a 10km radius from the CBD.

The Best Properties In Sydney

If you’re more inclined to purchase property in Sydney, you are in luck. Expert investors believe that Sydney has already experienced most of its property drop, meaning that the first half of 2019 will present investors with some of the best buying properties with the least amount of competition. When it comes to investing in homes in Sydney, it is advised that you focus on houses instead of units due to land restrictions.

The growth in value if you purchase a house will far exceed that of a unit or a townhouse/apartment. In terms of areas to look at, seek out homes with rezoning potential and in urban growth corridors. Other fantastic options are areas which are only just being developed with upcoming infrastructure such as train lines or road projects. If you’re only looking to purchase a unit, it is advised that you look to purchase one that is closer to the city, amenities and near public transport.

Bustling Brisbane

Experts have predicted that Brisbane is probably one of the best places to invest in property in 2019. With a 13% property price growth estimate by 2021, Brisbane is the place for those who are looking for capital gain. Some of the best areas in Brisbane to invest would be the blue chip inner-ring areas that are close to the river and the CBD such as Paddington, Hamilton and Auchenflower. The biggest gains are expected for houses, with median house price expected to grow by 11% in the next few years.

Regional Areas

Last but not least, those who are looking to invest in property in regional areas are in luck. A number of property markets in regional towns are currently thriving, and make excellent investment prospects. Locations outside of capital cities often present the best opportunities for investors as homes are much more affordable, housing supply is often tight and simply because cash flow tends to be a lot stronger in these areas.

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We hope that this article has been useful in giving you some inside knowledge on exactly where you, a homebuyer, should be investing your money in 2019.

Manage Your Expectations – What to Look For in a Property Manager

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Being a property owner is an incredible feeling, and it comes with untold benefits. What you may overlook is how consuming it can be to manage your property while also living your life and looking out for that next investment opportunity. Fortunately, there is a solution that has helped millions of homeowners come out on top, and able to mitigate the direct property management and bypass all the drama that can come with the rental market. Hiring a property manager is a worthy investment, but they are not all made equal. If you’re on the hunt for a property manager that will simplify your life, here is what you need to look out for so that you secure a great manager.

Great communication

It’s that million dollar question that everyone answers differently – how much contact is optimal with your property managers in Melbourne? A manager worth their salt will work out quickly just how involved you want to be, and when information should be expedited to you directly or withheld due to insignificance. If you yourself are not sure what sort of communication regime you are looking for, feel it out and understand what their communication structure is with their other investment owners and what they feel is balanced for you.

Reliable and reactive

When residential or commercial tenants are not in your properties, it can be stressful. No matter how good your property manager is, this is simply going to be a fact of life. A good property manager, however, will mitigate that rental income shortfall and be reactive enough to lineup another candidate and get contracts signed swiftly.

None of this is to say that there isn’t a rigorous screening process, it simply means that they will have warm leads ready to go should a lease be broken. An even better property manager will have a sense of whether a tenant is getting itchy feet or looking around, and can work with you to put wheels in motion should that transpire.

Portfolio management

How many properties do you currently own, and more importantly, how many do you wish to own? The number of properties and the size of these developments will govern what sort of property management arrangement you should seek and whether that will need to change as your portfolio expands.

The quality of a property manager does not vary depending on the size and number of your properties, so do your research before you choose. If your portfolio is split over more than one state as an out of state investor, you will need to decide upon the location of where you wish your property manager to reside.

Market driven

The property market is about as agile as it comes, rising and falling all too frequently. While you may not have your finger on the pulse nine times out of ten, it is a reasonable expectation that your property manager does. Look for a company or individual that live and breathe the property market so that they can advise you of the climate as often as you need, and spot opportunities for your existing and future assets.

Like any profession, there are people that see their job as just that – a job. Find that X factor within your next property manager and you will both have a long and successful future together.

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You’ve worked hard to build your portfolio, and you want to see it managed and cared for with the same love and attention that you wish to deliver. By taking the time to find the right fit for you, you can set yourself up for an autopilot approach to your assets as you know they are in safe and more capable hands.

Trading binary options for profit

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Trading and investing can be a tricky field if you don’t know what you are doing . But if you get it right it can also reap nice monetary gains. Binary options are a growing popular trading option that is growing in popularity in comparison to many other popular trading methods like share investing , Forex trading and other alternate investment options like hedge fund investment.

Trading in Binary options involves getting in and out of options and locking in your profits if done successfully.

So What are binary options ?

Binary options are a simple way to trade price fluctuations in multiple global markets and Binary options are different from traditional options. These options have different payouts, fees and risks, and an entirely different liquidity structure and investment process

The most common binary option is a "high-low" option and is also called a fixed-return option, because the option has an expiry date/time and also what is called a strike price.

Binary option

From Wikipedia, the free encyclopedia

The two main types of binary options are the cash-or-nothing binary option and the asset-or-nothing binary option. The cash-or-nothing binary option pays some fixed amount of cash if the option expires in-the-money while the asset-or-nothing pays the value of the underlying security. Thus, the options are binary in nature because there are only two possible outcomes.

When you are looking for a platform for trading binary options, you will need to consider if the platform supports which available markets, what is the minimum and maximum trading limits plus the minimum deposit amounts you can make into each respective site.

The first and most important aspect of any Binary Options trading site that you should be looking for is trust.th provider should provide quality broking and it should have a solid and reliable track record in regards to paying out when you wish to cash out any profits.

Ensure that your Binary Options trading provider that gives you a very wide range of different and varied types of Options to trade. Choosing the right broker can save you a lot of trouble and save you more money in the long run with the right support provided by your broker.

How do brokers make money from binary options

Binary options outside the U.S. are different and typically have a fixed payout and risk. These are offered by individual binary trading online brokers and not on an exchange. These online trading brokers make their money from the percentage discrepancy between what they pay out on winning trades and what they collect from losing trades keeping the costs low on the end trader.

Binary options and brokers are becoming popular and can be found in the following countries · US Binary Options Brokers \ UK Binary Options Brokers \ Australian Binary Options Brokers \ Canadian Binary Options Brokers \ Indian Binary Options Brokers.

To choose you best broker visit http://best-binary-option-brokers.com/

When is gambling the same as investing?

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It’s often said that all investing is a form of gambling and there is a lot of truth in this. But there are also crucial differences.

If you invest in shares in a large multinational company, for example, which provides essential products like food, water, electricity, gas or mines natural resources etc., profitably, then are you really gambling? In days gone by, shares were primarily bought for their dividend income and any capital gain was seen almost as a bonus.

But today – many people seem to see them as tantamount to casino chips to be gambled with. But if you’re a sensible investor – in the true sense of that word – and you can see a well-run and profitable company supplying something that people really need, and your focus is mainly on the dividend stream – then that really is investing rather than gambling. This is because the overall pot is growing. It’s not a finite game; what is often referred to as a ‘zero sum’ game (as it would be with a group of people sitting round a table playing cards, for example) because the pot is growing.

On the other hand, if you’re dealing in currencies, for example, then that is pretty close to gambling.

You “think” the Australian Dollar is going to strengthen against the US Dollar or the British Pound for XYZ reason, so you buy Aussie Dollars – or short the other currencies against the Aussie Dollar. But this is, essentially, a “bet”. There’s no dividend income and there’s no enlargement of the overall “pot”; another zero sum game (ignoring any interest you may receive in your bought currency of course). You simply get it right, or you get it wrong.

So this is closer to gambling and we aren’t all as smart as George Soros! But at least you are using your judgement which, over time, may be like George Soros’s judgement in the sense that you get more calls right than you do wrong – or it may prove otherwise; only time will tell if you have what it takes.

This is rather like a person who studies the form to make value-based bets on the horses. S/he either comes out ahead or not. But at least it’s value-based. The same is true of poker.

Such gambling is not like gambling on games of pure chance – which is what generally happens in a casino, with games such as roulette, for example. In such games the house edge is against the gambler and there is no real judgement required.

In these circumstances, the statistics run slightly against you. But at the same time, you can often profit from the free money you can sometimes get as welcome bonus from 32Red and others. For instance, at the moment 32Red is offering a $10 no deposit bonus which makes it an attractive incentive. Or, perhaps, you simply love playing the games for their own sake. There’s nothing wrong with enjoying the process – but it’s not investing.

The 2014 Real Estate Forecast

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The Australian real estate market is currently only second in the world behind that of the US market in its activeness for investors. Last year saw plenty of strong investment conditions for home buyers and although many are predicting a burst to the Australian housing bubble in 2014, there are still plenty of reasons for prospective home buyers to be optimistic this year.

How Did We Get Here?

Last year we saw great growth across the country with home values rising substantially in nearly every major Australian city. Sydney saw a 15.1 percent increase while Perth was up 9.9 percent and Melbourne rounded out the year at 8.5 percent growth. This rise was due in large part to population growth, low interest rates and increases in consumer confidence. These factors all combined for a perfect mixture that lead to a much higher housing demand than previous years.

What to Expect

There are a few different polarizing views when it comes to the future of the housing market in Australia for 2014. First, we have American investment guru Harry Dent’s less than happy predictions. Dent has claimed credit for predicting the US boom and subsequent bust and the deflationary decade in Japan. He has recently made the rounds promoting his new book, The Demographic Cliff and is predicting a decline in the Australian market at anywhere from 30 to 50 percent. While that is an alarming prediction for most, Dent also states that there is a wildcard at play with China’s ultra wealthy investors who are in part to thank for the boom in 2013. If they keep investing it might help to keep Australia’s housing prices up.

Many other analysts like APM chief economist Andrew Wilson, are predicting a slowing in the housing market overall but nothing to the extent of Dent’s numbers. Wilson expects things to slow considerably in the market for both Sydney and Melbourne, of which both saw house price growth peak in December of last year. He also sees plenty of growth in the cards for both Perth and Brisbane. The market in Brisbane is still in the pivotal "catch-up" phase and is primed to reach new heights as Queensland sees a jump in the economy and an influx of job seekers. This is great for perspective investors in these regions.

Other market analysts are stating that Australia is still in the growing stage of the property cycle, which was bottomed out in mid-2012. This research shows that the housing market is moving into the "expansion" stage meaning more growth overall and an increase in property prices. Echoing predictions made by Wilson, this research shows that many states and cities will see different levels of growth but growing is they key factor here not a major decline.

What Does This Mean for You?

For the average home buyer this means that settling down and making that big purchase is still a good idea. Even with the possibility of the market slowing in certain urban areas this change will have little effect on the average home buyer as interest rates should stay low. If you are looking for great mortgage rates and customer service contact the expert team at State Custodians Mortgage today. As a leading non-bank lender, State Custodians Mortgage is committed to providing access to high quality home loans at market leading interest rates. They can help put you one step closer to taking advantage of the housing market while it is still on this generous uphill curve.