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Dan Calugar Reviews 10 Popular Investment Strategies



Dan Calugar Reviews

There are many different investment strategies, styles, and methods. Each fills a specific need and fits a particular investor type. In this article, investor Dan Calugar identifies 10 widely used strategies.

While this article ranks and rates each investment strategy, it is essential to note that every investor will, and should, prioritize these strategies differently. Each person’s situation is unique, and they should find the method that works best for them.

1. Socially responsible investing: Socially responsible investing (SRI) is designed to direct investments toward companies that positively change society. SRI investors look for company business practices that align with the investor’s social values. Socially responsible investing receives a high rank from investors who feel that accomplishing socially responsible goals is as important as achieving strong returns.

2. Systematic Trading: System traders put their faith in algorithms. Once they find an automated system that works well over historical data, they release their model on the market in real-time. While systematic trading does not lend itself well to exceptional gains from investor intuition, if the underlying strategy has a market edge, following the strategy may provide superior long term results.

3. Growth Investing: Growth investors are looking for the “next big thing.” It’s not necessarily as much of a gamble as it sounds since a trained eye can spot several reliable indicators that may precede significant growth.

4. Value Investing: Value investors watch for stocks they believe are undervalued. This strategy can be deployed against individual stocks or with value mutual funds. Value investors should be in it for the long haul since value stocks, by definition, do not appreciate rapidly but may do so over time.

5. Momentum Investing: With this strategy, the investor is not so much predicting where an asset will increase or decrease in value as much as they react to what is happening in real-time. Like Newton says about objects, momentum investors believe that a stock in motion will stay in motion unless acted upon by an outside force. They see what a stock is doing and assume it will continue to do that unless something stops it.

6. Dollar-cost Averaging: Dollar-cost averaging is more of a sub-strategy than a full-fledged one. It is the method of executing your chosen strategy with regular investment over time. It is included in this list of strategies because it is one of the most effective hedges against the often ill-fated market timing strategy.

7. Active Trading: A cousin to momentum investing, active trading involves closely watching price patterns from exchange feeds to ascertain the direction and momentum of the stock. Entry and exit decisions are made from these indicators.

8. Buy and Hold: Buy and hold investors subscribe to the view that stocks are a long-term strategy. For them, it’s “time in the market,” not “timing the market.” Buy and hold investors are subject to few trading costs since they are not changing positions often.

9. Index investing: With index investing, investors often use mutual funds, index funds, and exchange-traded funds (ETFs) to fill their investment portfolios. This type of investor values the idea that funds provide access to a cluster of securities, often stocks and bonds, through a single investment vehicle.

10. Income investing: Income investors look for investment opportunities to provide income, such as real estate or dividend-paying stocks. This strategy is common among people transitioning to retirement.

About Dan Calugar

Dan Calugar is a versatile and experienced investor with a background in computer science, business, and law. He developed a passion for investing while working as a pension lawyer and leveraged his technical capabilities to write computer programs that helped him identify more profitable investment strategies. When Dan Calugar is not working, he enjoys spending time working out and being with friends and family, and volunteering with Angel Flight.

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Tradie Tool Care: Why You Should Maintain Your Tools and How You Should Do It



Tradie Tool Care

As a tradie, you need your tools every single day. If you’ve ever experienced a tool or equipment malfunction, then you know how not having the right tool can set you back. While some tools are commonly available from the hardware store, others are more expensive.

If you don’t take care of your tools on a regular basis, they may become unusable faster. Proper care and maintenance help you increase the durability and longevity of your tool. Not only will your tool stay efficient longer, but it’ll also deliver better performance during use.

How do you maintain your Tradie tools? 

Not all tradie tools are maintained the same way. The tools a gardener needs, for example, are handled in a different manner than an electrician’s tools. Most tools, however, have common maintenance routines. Here are tips on how tradies can keep their tradie tools in good working condition:

1) Frequency of Use 

If you use a tool more often, then you’ll need to maintain them more often as well. Any tool with a dull blade can lead to a workplace injury. You can consider monitoring the status of your tools and wiping them down with a clean cloth after use each day.

Your tools should also be cleaned properly at least once a month.

2) Cleaning Your Tools 

Regularly cleaning your tools can help your devices last longer. You can’t clean all your tools the same way, as different kinds of tools have different requirements. Here’s how you can clean the different tools in your tradie toolkit:

Hand Tools 

To clean your hand tools, you can begin by gently washing them with soap and water. Once you’ve removed them from the water, allow the tools to dry out completely. Once the tools are dry, use a dry piece of cloth to clean the tools once again.

If you notice any rust or corrosion on your tools, you can use brushes made of fine steel wool to remove them. After removing the rust, consider applying some mineral spirits to remove grime as well.

Then, apply a protective coating on your tools, especially the metal ones, to prevent rust from reappearing. Wipe the tools again, and finally apply a coating of machine oil over any metal tools.

If you have wooden tools, however, then you don’t need to worry about rust or machine oil. Instead, you can use a piece of cloth that’s been sprayed with linseed oil to clean your tools. Your cloth should feel damp but not wet. This coating helps your wooden tools ward off against issues such as mold, moisture, etc.

Power Tools 

Whenever you need to clean your power tools, the first step is to unplug your tools. Failing to do this can lead to accidents or injury. After unplugging your power tools, you can begin cleaning by using an air compressor. The sir compressor is used to remove dust from the power tools.

Then, you need to wipe down your power tools with a clean cloth. Finally, ensure that metal parts are lubricated. Metal parts that run against each other tend to wear and tear each other down. This can lead to the parts degrading and becoming inefficient. Lubricating your power tools regularly can prevent this from him.

Your power tools will also come with a manufacturer’s instructions guide. This guide will tell you whether there are any specifications regarding cleaning and maintaining your power tools.

Garden Tools 

Garden tools can be effectively cleaned simply with soap and water. Once the tools are clean, they should be dried. When dry, a coat of oil should be applied. The kind of oil you use is important, as machine oil or chemical oils could negatively affect your garden and soil.

Instead, consider using linseed oil. You can opt to mix sand in a large bucket, say five-gallon, with linseed oil. For this mixture, you’ll need around 2/3 quarts of linseed oil for the mixture. Immerse the tools in this mixture, and then wipe dry. Always hang your garden tools, as leaving them on the ground can lead to a moisture buildup. This especially affects concrete floors.

Accessories (Toolbox, Bags, Storage) 

You also need to clean your toolbox at least once a month. Cleaning it carefully and leaving behind items like silica packs can keep your toolbox safe.

For your storage area, organization is key. Consider putting away your tools right after you use them. Your bags, belts, especially leather, will have specific cleaning requirements as well. Leather equipment needs to be turned inside out. Then a soft-bristled brush should be used to remove all dirt and dust carefully. Finally, use a leather conditioner to add s protective layer to your equipment.


Aside from regularly cleaning and maintaining your tradie tools, you also need to inspect them on a regular basis. By taking good care of your tradie tools, you ensure that they become reliable and dependable. You can also consider public liability insurance as a way to protect your tradie business. If you want to learn more, click here.

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What Is Cryptocurrency? Here’s What You Should Know




A cryptocurrency (or “crypto”) is a digital currency used to buy goods and services but uses

an online ledger with solid cryptography to secure online transactions. Much of the interest in these unregulated currencies is to trade for profit, with speculators at times driving prices skyward.

Here are seven things to ask about cryptocurrency and what to watch out for.

1.      What is cryptocurrency?

A cryptocurrency is a form of payment that can be exchanged online for goods and services. Many companies have issued their currencies, often called tokens, and these can be traded specifically for the good or service that the company provides. Think of them as you would arcade tokens or casino chips. You’ll need to exchange real currency for the cryptocurrency to access the good or service.

Cryptocurrencies work using a technology called a blockchain. Blockchain is a decentralized technology spread across many computers that manage and record transactions. Part of the appeal of this technology is its security.

2. How many cryptocurrencies are there? What are they worth?

More than 6,700 different cryptocurrencies are traded publicly, according to, a market research website. And cryptocurrencies continue to increase, raising money through initial coin offerings or ICOs. The total value of all cryptocurrencies on April 28, 2021, was more than $2.2 trillion, according to CoinMarketCap, and the total value of all bitcoins, the most popular digital currency, was pegged at about $1.2 trillion.

3. Why are cryptocurrencies so popular?

Cryptocurrencies appeal to their supporters for a variety of reasons. Here are some of the most popular:

  • Supporters see cryptocurrencies such as Bitcoin as the currency of the future and are racing to buy them now, presumably before they become more valuable
  • Some supporters like the fact that cryptocurrency removes central banks from managing the money supply since over time, these banks tend to reduce the value of money via inflation
  • Other supporters like the technology behind cryptocurrencies, the blockchain, because it’s a decentralized processing and recording system and can be more secure than traditional payment systems
  • Some speculators like cryptocurrencies because they’re going up in value and have no interest in the currencies’ long-term acceptance as a way to move money

4. How do I buy cryptocurrency?

While some cryptocurrencies, including Bitcoin, are available for purchase with U.S. dollars, others require that you pay with bitcoins or another cryptocurrency.

To buy cryptocurrencies, you’ll need a “wallet,” an online app that can hold your currency. Generally, you create an account on an exchange, and then you can transfer real money to buy cryptocurrencies such as Bitcoin or Ethereum. Here’s more on how to invest in Bitcoin.

Coinbase is one popular cryptocurrency trading exchange where you can create both a wallet and buy and sell Bitcoin and other cryptocurrencies. Also, a growing number of online brokers offer cryptocurrencies, such as eToro, Tradestation, and Sofi Active Investing.

  • Best ways to earn profit from cryptocurrency

All enters the cryptocurrency industry with the intention of making profits, but not all succeeds. With the increasing cases of crypto scams, many people either give up or fall into some kind of pit.

below are some ways to make money with cryptocurrency today.

6. Are cryptocurrencies legal?

There’s no question that they’re legal in the United States, though China has essentially banned their use, and ultimately whether they’re legal depends on each country. Also, be sure to consider how to protect yourself from fraudsters who see cryptocurrencies as an opportunity to bilk investors. As always, buyer beware.

7.  How do I protect myself?

If you’re looking to buy a cryptocurrency in an ICO, read the fine print in the company’s prospectus for this information:

  • Who owns the company? An identifiable and well-known owner is a positive sign.
  • Are there other major investors who are investing in it? It’s a good sign if other well-known investors want a piece of the currency.
  • Will you own a stake in the company or just currency or tokens? This distinction is important. Owning a stake means you get to participate in its earnings (you’re an owner) while buying tokens simply means you’re entitled to use them, like chips in a casino.
  • Is the currency already developed, or is the company looking to raise money to develop it? The further along with the product, the less risky it is.

It can take a lot of work to comb through a prospectus; the more detail it has, the better your chances it’s legitimate. But even legitimacy doesn’t mean the currency will succeed. That’s an entirely separate question, and that requires a lot of market savvy.

But beyond those concerns, just having cryptocurrency exposes you to the risk of theft, as hackers try to penetrate the computer networks that maintain your assets. One high-profile exchange declared bankruptcy in 2014 after hackers stole hundreds of millions of dollars in bitcoins. Those aren’t typical risks for investing in stocks and funds on major U.S. exchanges.

8. Should you buy cryptocurrency?

Cryptocurrency is an incredibly speculative and volatile buy. Stock trading of established companies is generally less risky than investing in cryptocurrencies such as Bitcoin.

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How to Buy Auto Parts Online




Buying auto parts online can be extremely hit and miss. There are so many uncertain variables if you do not know exactly what you need. Choosing the right auto delovi parts online store can be the difference between getting the right part at the right price or finding yourself chasing the proverbial rabbit down the hole. The tips and tricks presented here will help you have a pleasurable shopping experience online.

You Do Not Have to Be an Expert

It comes as no surprise that the past several years have been financially heavy for most people here in the US. This fiscal struggle is everywhere when you take a moment to focus on our spending habits. For instance, new vehicle sales have gone down considerably in the past 5 years while restoration of existing autos have gone up exponentially. These days, we are becoming DIY mechanics, replacing faulty auto parts with new ones as necessary. However, most people are not aware that they can save even more money by buying auto parts online instead of at their local store.

You Do Not Have To Be an Expert!

In years past, consulting with an expert before buying replacement auto parts was the only way to go. We had to trust what our local mechanic was saying as gospel. Nowadays, with access to a world of information with the onset of the internet, provided you know a little bit about your car, it isn’t really necessary to start your search with your local mechanic. If you want to buy auto parts online you can do it provided you know the make, year and model of your vehicle. Buying replacement parts online is even easier if you happen to know the part number.

Save Time When You Buy Online

If you shop for new car parts locally your selections are limited in terms of price and quality. What’s more, you are not guaranteed to find the exact part you need. This is painfully true if you are shopping for an uncommon auto part. Shopping online for auto parts can be far more efficient in terms of getting quality and accurate results. That’s because there are dozens of online auto parts stores that deal in the sale of auto delovi beograd parts. This means you are likely to find the precise part you need, even if it is an unusual one.

Saving Time

If you shop at traditional venues for auto parts you might have to drive to several different places before you find the part you are looking for. Driving from one place to another takes time. If you shop online what would have taken hours if not days can be accomplished in thirty minutes or less. Therefore, if you have a busy life as most of us do, shopping online for new parts definitely frees up your time to do what you need to be doing instead of shopping for your parts around town.

Save Money Buying Online

Let us suppose that you decide to buy a used 2001 Ford Mustang, but it needs a new suspension. If you shop locally for the shocks and struts, it will cost you $400 or more at retail pricing. If you shop online for the exact same suspension parts, you can get them for as little as $200. That is half the cost, and usually shipping is free. When you buy new parts online it cuts out the middle man. That’s what makes it so much cheaper.

Warning – Do Be Careful

If your car is in desperate need of a replacement car part immediately, then you will pay for that time sensitive need. if you have a day or two to spare to allow for your purchase to arrive, it is a much better idea to shop online than it is to buy locally. However you must be careful to order exactly the right part the first time. If you have to send a part back because you ordered the wrong one, it could cause a significant delay. It is also a good idea to ensure that any website you consider buying auto parts from is legitimate before making any kind of purchase.

Trust in these tips and tricks when shopping for auto parts online and you will save time, money, and will enjoy greater satisfaction in knowing you accomplished your goal of getting your car back on the road for less.

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How to get rid of algae/moss on concrete



In relatively moist and shady places, Green alga begins to grow on concrete and cement. Though it is a part of nature, it is undesired in homes and other important places like offices. So, at some point, one must have to look for ways to remove algae from surfaces like concrete patios, basement floors, and walls of your homes or other buildings. 

Though it doesn’t result in permanent damages to the structure and stability, it might bring many other troubles, if overlooked. For instance, the area may become slippery or produce a permanent discoloration on the concrete. There are many ways to prevent algal growth that you can try home or you may simply ask for Pressure washing services. Some of the useful methods to get rid of algae or moss on concrete are as following:

Tip 1: Use a pressure washer

In this method, a pressure washer is used to direct a stream of water through its nozzle onto the surface. Selecting the correct nozzle will make the cleaning fast and more effective will no damage to the property. For pressure washing, you just need an outdoor water connection to water and power. So, you can buy, borrow or rent a pressure washer for this purpose. It is necessary to maintain an ideal distance and choose an appropriate water pressure to prevent any damage. While blowing the algae off, don’t forget to such up any wastewater with the vacuum or sweep the water into a sump pump. 

Tips 2: Dry it away

You want to try and prevent algae spore dispersal as much as possible. If you cannot dry the area in sunlight, you can attempt to dry with a heater or a fan.

Algae removal is much easy if the concrete surface is dry. You can also reduce the spores’ dispersal into the air by tackling algae on a sundry surface. 

On a completely dry area, the use of a deck broom or a stiff push broom to scrub the area is useful. However, you may use a plastic scraper to deal with particularly more resisting surfaces. 

Tip 3: Use boiling water

Boiling water should be preferred over chemicals as their use might prove harmful for you and the surrounding environment. All you need is to get a bucket filled with boiling water and carefully pour it over the green surface. After a while, take a stiff brush and clean the affected areas. Lastly, use a hose and wash off any debris left. 

Tip 4: Steam clean

It is also helpful in this regard. Fill water into the steam cleaner. Allow the machine to warm up and then blast the algae with spurts of hot water steam. After steaming the area thoroughly, scrub it with a brush and rinse it off to make it clean.  

Tip 5: Use bleach or vinegar

For immediate cleaning, use oxidized bleach. However, use this option as the last one, more specifically to save any plants or living things.

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Day Trading via CFDs




You’ve heard about day trading your favorite asset categories like stocks, indices, currencies, commodities and even crypto. However, it may be the first time that you could be hearing about day trading with contracts for difference or CFDs. The concept of day trading revolves on a very simple idea: traders need to open a position and close it within the same day. In a nutshell, it pertains to opening and closing a Buy or Sell position within the same day.

A CFD contract does not involve expiry times and dates but it has become an ideal avenue for traders to close positions within the same day that they were opened. Once a trade commences and is active, you can then close your positions any time manually.

It doesn’t have an expiry time that will cause the trade to close within the same trading day although you can use risk management tools like Take Profit or Stop Loss that will trigger the platform to automatically close them when the conditions you set are met. Remember though that some conditions are not guaranteed to be reached within the day. It could take days, months or even years depending on the market.

Fewer Risks

Over the last several years, day trading has become popular among investors because of the affordability of technology that allows it. Real-time prices can now be accessed over the Internet such as availability of free intra-day graphs, 10-minute bar charts, and the appeal of being emotionally and financially ready upon completion of a trade and just before another one commences.

The general assumption for day trading is that it is less risky when compared to traditional trading where contracts are bound to end for several days or weeks. Some can even go longer for a month.  Intraday trading also eliminates overnight risks that can potentially shift prices against an open position. For a day trader, by definition, it exists only during the day.

Choosing the Right Broker

It is very important for traders to choose the right trading platforms. Most brokers use the MetaTrader white-label platform that have the classic apps for desktop, mobile or web. But that doesn’t mean that only those that offer MT4 or 5 platforms are the best choice. In fact, there are other great options out there that offer more interesting ways to trade. eToro is one of them and they are the pioneers in social trading where users can follow and copy the investment strategies of other users.

The eToro copy trading experience is a lot more engaging since it doesn’t involve the complexities of the usual day trading so you can simply choose the professional trader you’d like to copy and close it within the day if you choose to. It’s basically riding on their wisdom so whatever the result of their position is will be the same result of your copied position.

The bottom line is that there are a lot of ways now to trade and with the internet becoming more accessible to everyone, it’s now easier to go day trading via your PC or mobile device. You don’t even have to enter those stock trading floors in order to be a day trader. All you need is an internet connection and computer or smartphone and you’re good to go!

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