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Benefits of Air and Hydronic Test & Balance

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Benefits of Air and Hydronic Test & Balance

When accomplishing a goal, the main purpose is improving efficiency. Proper calibrations are therefore needed when installing an HVAC (air conditioning, ventilation, and heating) system to achieve precision.

Other methods that could require balancing and adjustments include air delivery systems, industrial and domestic water systems, water utility plants, and A/C units (split system). The accuracy of the air and hydronic test and balance determines the performance.

Test and Balance

It is a process that balances, adjusts, and tests (TAB) the parts of an HVAC system to gain peak performance. A technician aims to ensure the features work as they should when checking the HVAC system performance.

Companies might employ general technicians who go through necessary hydronic and air testing, balancing, and adjusting training. It would mean that there will be ready personnel in the event of a problem with the HVAC system. Highly certified and experienced TAB technicians are prepared to hire from some companies as well.

1. Testing

Special instruments with unique calibrations get used by technicians to measure air quantity, water quantity, rotational speed, temperature, velocity, and pressure.

2. Adjusting

HVAC system adjustments target stuff like the pump impeller’s fan sizes or speeds. The system’s automatic control devices, such as thermostats and pressure controllers, will undergo adjustments as well. The system should perform optimally under regular operation after adjustments.

3. Balancing

HVAC systems balancing involves regulating fluid flow helping in the operations. A technician follows procedures to control air and water flow. One should look for the “low terminal” for balancing before the open one.

One terminal should be open wide for regulation to attain peak efficiency and performance. Circuit balancing valves get adjusted to being like the “low terminal.” Grilles or diffusers get done the same thing for airflow balancing.

TAB is tiresome as it is methodical. This is beneficial for system owners because the mechanical parts go through testing for functionality. Balancing allows the corresponding equipment, controls, plumbing, and electrical section to perform optimally.

Today’s main challenge with technology is that for more efficiency, the HVAC systems go through automation. Technicians should, therefore, know about the operability of systems and their types.

Benefits of An Air and Hydronic Test

The installation of these systems in any commercial or residential aims to make things simple and ease operations. An accurate hydronic and air test should take air conditioning, ventilating, and heating to its peak performance level. It has the following benefits:

•    Correction of inconsistencies with the system

Consistent water and airflow after correcting HVAC systems is the goal of conducting hydronic and air tests. To attain the system intent, the technician should set the components as per the calibrations. The technician immediately corrects a duct leak to resume operation.

•    Improved user experience

Comfort for occupants in places such as hotels is paramount, and therefore HVAC systems can be found there. HVAC system regulation will ensure air and water flow efficiently. The indoor environment will, consequently, be comfy and cool.

•    Increased energy efficiency

A hydronic and air test control HVAC systems to minimize consumption and maximize operability. TAB attains peak performance allowing for energy efficiency. Airflow is directly related to the HVAC system performance. The system works harder if airflow in an office or home is not balanced.

•    HVAC equipment have longer lifespan

Good airflow reduces buildup, mold, and dust gathered in the air and heating conditioning system over time. This, together with the increased efficiency, leads to the HVAC system lasting long.

•    Air quality is better

Air quality gets improved by efficient air exchange when the amount of dust suspended, pollen, and mold spores decrease within an office or house.

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Top 4 Best Makeup Shops Online in Pakistan

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beauty products in Pakistan

Love for makeup is the only thing that can be found common among feminine and to find the best makeup shops online are not an easy task!

Facial features play an essential role in attractiveness. Pakistani women hold a definition of beauty as well as magnificence. Makeup for Pakistani skin is vastly different than the makeup for other skin tones. Their makeup is precisely created for their skin tone, which is different, unique, and beautiful in its way. Since we know that Pakistani skin is Sensitive and oily than every other skin, their requirement for makeup is different from other people’s. Pakistani women hold an extreme attraction to their face which, their beauty is more, and it gets hard to define their delicate facial features in words. Their look is naturally pretty enough to talk about, and just like every other woman, they have immense love and support for makeup too!

Although some women love appreciating the rawness of their faces, many women love to apply makeup to define themselves with more definition and confidence.

Here is a run-down of the list of the five best makeup online shops to buy the best makeup online:

#1 WaooMart

I highly recommend this website in Pakistan for having a wide variety of makeup. It is one of the best makeup shops online created. The website was built in 2016, and ever since it was made, it has been gaining immense love and support from its customers. This website aims to provide the best and 100 percent original and authentic amazon makeup products in Pakistan. It has a wide variety of beauty products to offer, and the brands they are offering are not just high-end brands, but they are famous in the USA as well.

This website also offers skincare products; children care products, hair care products, electrical, and a whole variety of men care products. All the products this website offer are at a super-affordable price so, if you are on a budget and looking for something cheap but good, then this website is your savior! They also offer free Home Delivery services in Pakistan and products delivered at the customer’s doorstep.

#2 Luscious Cosmetics

Luscious Cosmetics is Pakistan’s largest color cosmetics brand, established in 2008. Their products are cruelty-free and vegan. This Brand offers cosmetic products throughout Pakistan. The company is a member of People for the Ethical Treatment of Animals [PETA] and ensures that its products are environmentally friendly. It is pretty much impossible to put the finger on their best product because they all are just unmatchable. From skincare Products to highly pigmented shades, their products are suited for women widely. The Brand has set its standards for every product due to its high quality and cost-effectiveness.

This site also provides skincare products for soft and sensitive skin and hair extensions with various styles. They offer fragrances and men’s products too. They have been providing a variety of hair care products and styling products, including electrical.

#3 Christine Cosmetics

This website has a wide range of cosmetic products to offer in Pakistan. Pakistani women might have mixed views about makeup brands, but the one brand that can bring them all together is Christine Cosmetics. One of the most famous brands in Pakistan. Their pancake bases are one of the top favorites of all time. It has a smooth formulation that sets your makeup right in place. They have this one authentic site for their business, and apart from this online shop, they also have wholesale warehouses. They have been maintaining well off business and have been established in Europe as well, and it’s been over 30 years now. Almost every Pakistani woman owns a Christine Cosmetics product, whether their base products, nail polishes, contour kits, or lipsticks.

While everyone else looks for an affordable option with the best quality, these women know this Pakistani brand has its back. This website provides high-end brands products too with top-notch and original quality. They also offer a great variety of hair extensions and many more. They deliver around Pakistan and believe their prices are way more reasonable than to expect.

#4 Medora

When it comes to lipsticks, Medora is an old favorite of Pakistani women. The company is based in Swat, Pakistan, and offers a wide range of matte, semi-matte, and glossy Lipsticks. This website provides a wide variety of beauty supplies that are 100 percent authentic and original. They provide high-end brands too that are pretty famous among women. Be it a full glam or a natural look, and you can get your desired color at the lowest price. In addition to this, they are super pigmented and do not stick.

In Pakistan, you will find these lipsticks at every cosmetic store as they are trendy and just within Rs 200 (£1.02). Pretty unbelievable, right? According to Pakistani makeup bloggers, it is hard to point out the differences between Mac’s lipsticks and Medora’s lipsticks. Some women love to appreciate the rawness of their face and some women love to enhance their beauty with cosmetics. These best makeup shops online aim to provide women’s needs and desires at their doorstep without any botheration.

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Top 5 Best Penny Cryptocurrency to Invest in Now

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October 21st, 2021 – Discover the ultimate list of five best penny cryptocurrency to invest in right now. With Bitcoin and Ethereum prices shooting through the roof, new investors with tight budgets and low-risk appetites are currently looking for investing in new crypto prospects. But the over 12,000 Cryptocurrencies available for purchase present a tedious and sometimes frustrating task finding the right picks, especially for inexperienced investors who lack a deep understanding of how the industry works, and the various factors that determine the failure or success of crypto projects.

The good news, however, is that Bitcoin profit has released a list of the top 5 best penny cryptocurrencies to invest in. The company, which uses Geolocation to match investors to brokers closest to them, also employs experienced and seasoned financial experts and crypto analysts to offer guidance as well as trading strategies guaranteed to help investors continually profit off crypto.

Penny Cryptocurrencies are favorite options for both new traders seeking to cautiously enter the crypto industry and also veteran investors looking to diversify their portfolios to accommodate steady returns. They offer high risk-reward ratios as their value can rise exponentially in the nearest future, and serve as passive income instruments earning investors who simply hold them in their wallets, dividends similar to those on the stock market.

According to Bitcoin Profit team research, the following are the top #5 best penny Cryptocurrency to invest in now:

  • Ripple (XRP) – While Ripple is undoubtedly one of the largest digital asset projects in the industry, with a market capitalization in tens of billions of dollars, its total supply of 100 billion XRP tokens still qualifies it as a low-value crypto asset. The coin has however made sizable gains since its launch in 2013. It is currently used for cross-border payments by over 250 banks and has an impressive transaction processing time with minimal fees.
  • Basic Attention Token (BAT) – Made to revolutionize the advertising industry, BAT connects consumers with relevant adverts through a browser backed by its token. It ensures that advertisements are only shown to interested persons and cuts out third-party facilitators like Google and Facebook by distributing advertisement funds to viewers.
  • Stellar (XLM) – Focused on international payments and facilitating cross-border remittances, XLM has a trading value of over $531 million and occupies the 22nd seat in the world’s top valuable cryptocurrency. Although the market capitalization for the coin is an impressive $8.1 billion, XLM is still valued at $0.3400. The coin is maintained by a non-profit organization whose main objective is to provide open and transparent financial systems for everyone.
  • VeChain (VET) – Created to solve real-world economic problems, the blockchain-based supply chain network is supported by one of the biggest audit companies in the world as well as other FTSE companies. Its current value is $0.1213 which as little as it looks, represents a 625% rally since the beginning of this year.
  • Ravencoin – Ranked 85th on the list of top 100 cryptocurrencies by market capitalization, the relatively new technology has big dreams of becoming an Ethereum security token. With a market cap of $1.25 billion and a current trading price of $0.1312, the coin has however made a 512% rise in the last 12 months.

Bitcoin Profit financial expert insists that these coins are rug-free and its owners committed to effecting change in the industry as opposed to many other coins that are pump and dump schemes in embryo.

Interested investors looking to take advantage of any of these penny cryptocurrencies can simply visit the Bitcoin Profit app to sign-up page at: https://www.bitcoinprofit.app/signup/

Registration only requires an email address and an active phone number with which a Bitcoin Profit financial manager can call to discuss investment plans, set up a training schedule, and also send trade signals through SMS notifications.

Bitcoin Profit boasts of impressive in-app features that offer flexible automated investment management as well as military-grade protocols.

Past users of the platform’s services have continued to leave positive reviews attesting to its incredible performance and user-friendly experience.

“Thank you… I have not had experience in investments and online trading….. My financial situation started changing for good after getting connected with your private broker. Received direct training by phone and live stream, different unique e-books, videos, which make me understand the market now. By following your instructions my little investment of $250 is growing day by day. Incredible but true… cheers!” – Kathleen.

“I was a little suspicious at first because I had bad experiences trading cryptocurrencies by trying different strategies, indicators, and automated systems. Only my best friend convinced me to retry with your service guys. (it’s a hidden goldmine) and yes in my trading account I have $8,729 after 42 trading days with an investment of $300 (Hope you stay alive forever thank u!” – Markos Jento (Graphic Designer).

“Bitcoin profit app connected me with the best broker in Kuwait. I started with an investment of $1000, now after 1 month I have $11,204 in my balance and I received the first withdrawal of $5,000 into my bank account. My manager and his financial team helped me with a very profitable strategy. Nice to meet you guys.” Sam (Engineer).

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Startup Scams – 3 of the Most Outlandish Fraud Stories

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Startup Scams - 3 of the Most Outlandish Fraud Stories

Few people in this world can match the hopeful enthusiasm of an entrepreneur talking about their startup. Though 90% will eventually fail, 100% of them believe that their enterprise will be in the fabled 10% that rise to the status of Amazon, Google, or SpaceX. 

Many of the stories from the 90% are tragically uneventful – little more than the sad unraveling of a dream. However, for those startups embroiled in fraudulent practices, failure can be a supernova that sucks many innocent parties into the destruction. From a medical equipment supplier that wasn’t what it seemed to a company that quite literally stank, here are four of the most spectacular startup schemes to have unraveled in the last few years. 

1. Too Good to Be True – Theranos

The Theranos story is a wild ride involving impossible science, billions of misspent dollars, and a woman whose lies ran so deep she even faked the sound of her voice. In a nutshell, Theranos was a med-tech startup founded in 2003 that claimed to be able to give any form of blood analysis a doctor needed from just a pinprick of blood. 

The company’s founder, Elizabeth Holmes, was hailed as the next Steve Jobs. With her deep, masculine voice and commanding presence, she was able to draw in billions of dollars worth of investment, despite the fact that many scientists disputed the veracity of her claims. 

For the longest time, no one could outright prove that the science was flawed because Theranos investment came with a condition of absolute secrecy – no one could know how the proprietary technology worked. FDA investigations kicked off around 2015, and from there, everything fell apart (including Holmes’ fake voice). 

2. Just Lies – Hampton Creek

Vegans may make up a small percentage of the total population of the world, but their ranks are growing to such an extent that the vegan food industry is already valued at around $13 billion, and it’s on a healthy upwards trajectory. All good things until someone decides to leverage this positive growth in a less than scrupulous way. 

Hampton Creek founder Josh Tetrick jumped on the vegan bandwagon with one idea in mind – profits. The business was doing incredibly well, securing contracts with major supermarket chains across the US for its dairy-free mayonnaise product. However, Tetrick ordered his contractors to buy back vast quantities of the product from the supermarkets. This is a tactic that could fool investors into thinking a company is more profitable than it truly is by artificially boosting sales.  

Though such a strategy is certainly illegal, the official investigation found insufficient evidence to prosecute, so the case was dismissed. 

3. On the Nose – uBiome

Founded in 2021, uBiome was another medical technology company that claimed it was about to revolutionize the healthcare industry. The founders claimed that by analyzing your poop, they could gain insight into your gut microbiome. With this information, they can detect the early signs of disease and even offer nutritional recommendations perfectly tailored to your body and its unique needs. This was all achieved through an at-home test that basically equated to you sending them your poop in a box. 

Realizing that this home-test-kit business model wasn’t financially viable, uBiome did two things: they lied to investors about the profitability of the business, and they started committing insurance fraud. It’s not hard to see where the problems lie here. The uBiome founders have since been charged with a string of federal offenses.  

Keep these stories in mind the next time you’re tempted to invest in a startup that sounds too good to be true!

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Building Inspections Melbourne – How to Select the Best

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Building Inspections Melbourne

Find about “Building Inspections Melbourne” –

Might finally find the house you might have been looking for. The price is correct and finances are in obtain. But is the house worth purchasing? To avoid disaster it’s imperative that you obtain the solutions of a professional independent as well as unbiased building and infestation inspection service. Building Inspections Melbourne – But how can you choose a building inspection support out of the hundreds sprawled over the Internet and various other types of media? Well, as the movie director of Action Property Home inspections, I’ve personally undertaken around 20, 000 building reports and have certainly seen the excellent, the bad, and the ugly in relation to building inspection companies and the reports. Based on my expertise, I’ve compiled what I consider to be the top 10 points that should be considered prior to engaging the assistance of any Building and Insect Inspection Company.

No 1. Sample Report

Ask to get a completed building inspection record prior to booking the evaluation. A legitimate building inspection firm should have a sample of their record on their website to be considered by potential clients prior to arranging their building inspection. Typically the sample report should be the one that was actually undertaken during the developing inspection of a prospective clientele house and not an unnecessary dummy Sample report which includes not been filled out or perhaps includes every possible scenario for each and every different type of house filled up into the one report.

The particular report should be very easy to know and should not comprise beat and flick style bins followed by little or no specific composed commentary. Where written text message has been used it should always immediately relate to the faults in front of you as viewed on the residence you are actually purchasing. Several inspectors use generic feedback that is simply cut-and-paste to produce up a report.

No 2. A picture is worth 1000 thoughts

The building report should always include a significant volume of photographs certainly detailing the faults observed. Whilst the text within the survey should be clear and easy to recognize, nothing explains better than basically visually seeing the negligence at hand. The photographs will often in addition incorporate arrows, circled partitions, or additional written text specifically pointing to errors or items within the pics.

No 3. Who the particular agent recommends

Independence will be paramount if you wish to receive a reputable report. One would think that common sense not to ask the particular estate agent who they would advise undertaking a building inspection around the very house the realtor is selling, yet it truly is amazing how many people do just that.

Several agents have become quite competent at convincing their possible clients that they don’t have any vested interest in who you make use of for your building and infestations inspection. A common ploy is always to provide a potential purchaser having multiple cards from a variety of companies.

This creates often the illusion of independence. They demand you to believe they don’t health care whom you use and the memory cards provided are a random model of building inspection companies from the industry. The truth is, the memory cards provided are all from making inspection companies that the adviser knows will usually provide delicate, complimentary reports on the rest of the worst of houses. You need to be advised of the true condition of your home and not be sucked into your agent’s sales spiel.

No 4. How much will the assessment cost?

Like they say, should you pay peanuts you only acquire monkeys. It may be an old saying, however, certainly one you should look at. Many building and infestations inspection companies, particularly firms, work on volume. The theory is that if you charge a small payment you are likely to get the lion to reveal the inspections when clientele phone around. A cheap payment however results in a raced inspection and a vague survey.

Some building inspectors complete as many as 8 inspections on a daily basis. Building inspection companies getting this practice have a bigger rate of dissatisfied shoppers and more claims of check-up negligence made against these individuals. The volume of inspections many people undertakes however outweighs the buying price of making the occasional payout with a dissatisfied client. This system could prove profitable for the check-up company however could prove high-priced to the purchaser.

No 5. Specialized equipment required

If a building and pest inspector evaluates a house they are mostly undertaking what is generally identified within the industry as a graphic inspection. Subsequently, the building or perhaps pest inspector will not search or gouge into surfaces, etc during the inspection method for obvious reasons. An intensive building inspector will nonetheless carry the latest equipment to aid evaluate areas where visual assessment alone may not be sufficient.

At the very least a building and infestations inspector should carry humidity detection monitors and heat image cameras along with other common inspection equipment such as ladders, high-powered torches and gently tapping sticks, etc. Whilst heat image cameras and dampness detection equipment do not provide inspectors x-ray vision, they actually provide the next step in analysis evaluation that can often verify or deny the existence of the suspected fault.

No 6. Check license and insurance coverage details

When on the website it is imperative that you aesthetically sight the license as well as insurance details of the actual inspector undertaking your inspection. While the company may carry insurance coverage, the actual building inspector upon site may not be licensed or even be covered under the business’s insurance policy. When on the website the inspector should be able to create a license stating “completed creating inspection” and should also be in a position to produce an insurance record bearing the inspector’s title.

No 7. Building examination agreement

For Building Home inspections in Brisbane or for that matter usually in Queensland, it is a mandatory component of the Australian Requirements that both buildings, as well as pest inspectors, should offer their prospective clients having a Building Inspection Agreement just before commencing any inspection.

House Inspection Agreement should condition: the name of the client, how much they may be paying for the inspections and many importantly will document the constraints and conditions of the examination prior to it being taken on. The client should sign this kind of document with both parties finding a copy. Any building evaluation company failing to provide a Constructing Inspection Agreement prior to the evaluation is not only not complying while using Australian Standards for reports but is also unlikely to be insured.

No 8. Any time do I get the report.

The time period is usually of the essence. A professional constructing inspection company should be able to develop a completed detailed report on a similar day as the inspection ended up being undertaken. Most inspection firms would release the record the evening on the day involving inspection.

I would however always be very wary of any company in which presented you with a finished report literally at the end of the actual inspection or within an hour15333 after the inspection. An instant statement usually means that the report was obviously a premanufactured cut-and-paste report that just generically relates to your house and it is unlikely to be detailed or even accurate.

No 9. Individual building and pest home inspections.

The qualifications for a licensed builder/building inspector in comparison with that of a pest inspector vary considerably. They are two entirely various trades and subsequently possess entirely different criteria with regard to undertaking a building examination. Despite what some businesses will tell you it is virtually difficult to undertake a thorough building as well as pest inspection when 1 inspector is trying to cover both equal fields in the one evaluation time frame.

You should always engage a totally qualified building inspector jointly with a separate and fully certified pest inspector and neglect the “Jack of all trades” approach that some firms practice maximizing profit while using the least amount of effort. Almost all building inspection companies could organize a completely independent along with fully qualified pest inspector to attend at the same time the building evaluation is undertaken.

No 10. Experience is everything

Have you ever viewed those ads that assert a certain business has such as 130 years of combined expertise? Well, when it comes to building reports unless you’re building inspector is 130 years old the actual combined experience of the company is actually of little benefit. The feeling and knowledge of the individual creating and/or pest inspector upon the site are what counts.

Wherever possible establish how long the organization been established, how many home inspections has the individual inspector really undertaken, and will the owner of the company undertake the inspection or even will it just be an employee and so on

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What is the best investment right now?

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best investment right now

Something is happening when it comes to investing money in 2022. More and more people want to take their money matters into their own hands, which is a very good and necessary decision in view of the current low interest rates. This is also shown by a current survey conducted with 1004 people:

However, in order to be able to make a well-founded decision in matters of financial investment, the following question must first be answered: What types of investments are there in the first place?

In this article, together with the experts from VAIDOO, we would like to introduce you to the most common forms of investment and evaluate each investment option so that you can get an idea of your options.

In order to find the “perfect” investment, an analysis of the various alternatives with the help of the Magic Triangle of investment is suitable.

Savings account as an investment

For a long time, the savings account was considered the safest investment. At present, however, there is hardly any interest and in some cases savers even have to pay a negative interest rate.

With the current low interest rate, the only certainty is that your money will become less.

If the interest rates should be raised again one day, however, the savings account is a very safe investment option at least up to an investment of 100,000 Dollar. If your investment in a savings account of a single bank exceeds the amount of 100,000 Dollar, the deposit insurance does not apply to sums exceeding this amount. In such a case, it makes sense to spread the investment amount over several banks.

Daily allowance as an investment

Daily allowance is also a safe investment and generally earns better interest than a savings account.

However, interest rates are currently very low here as well, so inflation will reduce the value of your money over time.

There is no notice period and no specific term for call money. You can therefore dispose of your money on a daily basis.

In case of insolvency of a bank, your money is also protected by the state up to an amount of 100,000 Dollar per institution.

Time deposit as an investment

The time deposit also scores in terms of security.

The return is somewhat higher than with overnight money, but your money is invested for a fixed term.

This means that you cannot access your money for this term.

You should therefore not invest in time deposits if you assume that you might need your money in the meantime.

Real estate as a financial investment

Rented out real estates (= yield real estates) are likewise considered as safe Investment and belong to the profitable investments. In contrast to other forms of investment, the yield here is already significantly higher.

This can be attributed to the fact that an investor in real estate benefits from the principle of so-called “Other People’s Money”. By taking out a bank loan at favorable interest rates, a debt lever is created. This results in a good return on this investment, as less of the investor’s own funds have to be used and the return on equity is therefore significantly higher than with other forms of investment.

Simply put, the real estate investor can make the bank’s money work for him, because the tenant pays back interest and principal.

Real estate should therefore only be purchased as a capital investment, so that the tenant pays back the loan taken out (it is best to make a financing comparison beforehand) and the interest due for you. In this way, it is a safe investment that leads to an attractive return in the long term.

Additional potential lies in the increase in value of a property, which can generate a substantial tax-free profit if the location is chosen well.

Stocks as an investment

Stocks are shares in a company. With stocks, we are moving into the realm of somewhat riskier investments. Stocks are certainly not the logical answer to the question “What is a safe investment“.

You can achieve a very high return with stocks, but you can also suffer a total loss.

The risk can only be reduced if you choose your stocks carefully, diversify widely and have a long-term investment horizon.

If you need your invested capital quickly because of a financial shortage, liquidation is indeed possible, as you can sell your stocks at any time. However, you may have to take a bitter loss when the market is just at the bottom.

As far as risk is concerned, a fundamental distinction must be made between dividend stocks and growth stocks:

  • Dividend stocks usually trade at less spectacular prices because they operate an established business model that has worked for many years, often decades. This fact that less money is put into growth means that more money is left over for dividend payouts. Good examples of this are dividend stocks such as Coca Cola.
  • Growth stocks usually do not pay dividends and instead invest masses of resources in the future of their own business model. These companies are innovative and are traded on the stock markets at high sales multiples.

Overall, therefore, it depends very much on what types of stocks the investor focuses on and how broadly the portfolio is spread.

Bonds as an investment

Bonds are also securities.

With the help of bonds, a government or a company borrows money from investors and pays this money back at the end of a fixed term plus interest.

Even though bonds are considered a safe investment, the risk of corporate insolvency or government bankruptcy remains.

The return here is slightly higher than the fixed deposit level, but depends on the reliability of the issuer. For example, if you want to lend money to the US government by means of a bond, you even have to pay a negative interest rate due to the government’s high credit rating.

Funds as an investment

A fund company takes the money of several investors and invests it bundled in different assets.

Since this form of investment does not put all its eggs in one basket, funds are less risky than individual stocks, but there is still a great deal of risk involved.

Funds can achieve an acceptable return – despite a high fee for active management by the fund company.

ETFs as an investment

ETFs (Exchange Traded Funds) are basically also funds. However, ETFs are not actively managed, as is the case with the funds mentioned above.

As a result, the fees are very low.

ETFs track indices, such as the Dax or the S&P 500. If the index performs positively, the ETF also performs positively.

The risk is spread and thus kept within limits.

When reading these short descriptions, you will have already noticed that in most cases you have to decide between security and a high return. For the most part, only real estate fulfills both criteria at the same time, which is why we have specialized in precisely this form of capital investment.

However, if you want to invest your money properly, it may also make sense to make the decision dependent on the time horizon.

Investing money with small amounts

You don’t always have a large sum of money ready to invest diligently. Don’t worry. There are ways to invest with small monthly amounts, too.

A monthly savings plan:

You set up a standing order so that each month an amount you specify goes into a savings account or custodial account.

There is now a very wide range of savings plans.

For example, you can invest in ETFs for 25 to 50 dollars per month. Nevertheless, there is a risk of incurring losses here.

Rented property as an investment:

This may come as a surprise to you. We find that most people assume that buying a property is a high monthly burden. However, this is only true for owner-occupied property.

With investment property, the property is rented out, so for the most part the tenant pays off your financing installment.

This gives you a monthly cash flow of -50 to +50 dollars.

And after the tenant has paid off the property, you own it.

The long-term cash flow then corresponds to the rental income – like a second pension.

Conclusion: What is the best investment?

Ultimately, this is a subjective question that you can only answer yourself. To do this, you would first have to ask yourself the following questions:

  • Do you want to invest your money for the short, medium or long term?
  • Do you attach more importance to security or to a high return?
  • Do you want to be able to access your money flexibly?

For us, real estate is the perfect investment because it combines security and return. As we noted above, savers are currently receiving very low interest rates.

But if you change your perspective for a moment, you will see that little interest is paid on loans as well. The interest rate on an average construction loan is around 1.2%.

Combined with no or very low monthly charges, an attractive return in old age and a high level of security, real estate is therefore the best way to invest your money in a return-oriented and secure way.

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