Author: Complete Controller

How Does Renting Space Work?

Those interested in advertising can provide empty rooms. Sheds, garages, and other diverse spaces that are not being occupied can store objects. The interested party sees the advertisement, and the two are in contact to arrange the details.

It is an innovative platform that competes directly with self-storage services. Those are companies that rent sheds for extra storage. Generally, renting one of these sheds is expensive and is inaccessible for those who only need a compact space, are on the move, and cannot afford large amounts of money.

In addition, Wistor also lends a helping hand to those who have unproductive space at home, apartment, farm, or other places, allowing them to earn extra income without making a lot of effort.

Small entrepreneurs, shopkeepers, and merchants can benefit from this collaborative system, not needing to rent another property for storage. Another great advantage is that the platform makes it possible for spaces available for rent to be found close to those looking for them; in other words, it is a positive point concerning self-storage services.

Short-term rental – tourism, holidays, and seasons

Renting out a house for a few days, weeks, or even months is a popular trend. The popularity of services such as Airbnb is expanding daily. The concept is simple: instead of renting the home to someone who will live there for 30 months, you lease it to someone who will stay for a day, a week, or a few weeks. You can have a high occupancy rate and earn the same or more than a regular rental, depending on the structure of your dependence (even if rented from a third party).

Another critical aspect to note is that you may rent your vacant space through Airbnb in various ways, such as a room inside a house with occupants, a house, an entire farm, or an entire apartment, among others.

Traditional rent, but not so much

Even though the “sea is not for fish” when renting real estate traditionally, some real estate companies have invested in business models that can make life easier for property owners. Not to mention potential tenants who want practicality and security in the rental and housing process.  

• Thus, the company Quinto Floor is an excellent solution for you to advertise your property. It brings main differentials compared to the traditional market:
• Provision of a professional photographer (free of charge) to take pictures of your property.
• Survey the surroundings of the property’s location, and they curate the region’s attractions by making your ad more attractive than on other websites and classifieds.
• Do not require a contract with a guarantor for the lessee; in other words, in the amount of the rent, the company already considers surety insurance if something happens to the owner’s property.
• “Zero defaults.” Even if the lessee does not pay on time, the lessor receives his money monthly on the correct days without delay.

Filming location agencies

You may be able to rent out your house to a TV station or film team for use in your production, depending on the type of property and location. It is a developing sector worldwide, and you don’t need a rural home to compete. Many movies and television shows utilize ordinary houses as movie sets, and filmmakers find that renting a finished home is less expensive than building a set of one.

The most challenging aspect is obtaining a contract with a production company. Still, there are agencies – such as Cristal Filmes, Aeropic, Zeppelin, and Artifacts – from filming locations across the country that can help you find the perfect setting for filming or sessions ranging from photography to films and magazines and can broker the lease. They can see the team that needs your property type and make all the legal and payment arrangements. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

We are going to discuss Debt-free in 6 simple steps:

1. Make an overview of your creditors

Rank your debts according to cost and time. You should pay off the most expensive debt the fastest. If you do not have accurate information about your outstanding obligations, you must contact your creditors to request the correct information.

2. Collect your income and expenses

• How much is your net monthly wage?
• Do you have a car? New? Second-hand?
• How much do you spend on energy, food, and other costs?

You can do this with the help of an online housekeeping book or with pen and paper.

Once you have a clear overview of your economy, there are two options.

• • Seizure Free Foot

You may face wage garnishments if you do not pay your bills on time. A garnisher will then receive part of your wages or benefits (for example, a bailiff, creditor, etc.). However, you need money to live on. The attachment-free rate is the amount you need each month to pay your fixed costs. You must always keep this monthly amount, even if multiple attachments exist. They are all obliged to take your attachment-free foot into account.

The garnisher calculates how much you are allowed to keep each month. If garnishees do not have your details, they opt for a standard monthly amount. This amount does not always correspond to what you should get. So, make sure that the attaching party has all your necessary information.

3. Make a repayment proposal

Your creditor’s main priority is to recover the money owed.

Exactly how long this takes is of secondary importance. Keep this in mind when making a repayment proposal. Ultimately, both you and your creditor are on the same side.

If you can demonstrate that you are willing to go the extra mile to pay off your debts, you will come a long way in the negotiations.

If you have made a precise and well-arranged calculation and can submit a feasible proposal, don’t hesitate to contact your creditor. You can do it by telephone or by email.

Support your arguments carefully and illustrate your situation with calculations and payment receipts.

The more reliable and relevant documentation you provide, the more likely the creditor will comply with your proposal.

4. Wait for the response from your creditors

Several things can happen after sending your proposals (by phone or email). What situations can arise, and how do you deal with them?

• • Reactions from creditors

You will receive a response after you have sent a letter or email with a payment proposal to your creditor.

• • Creditors disagree 

If none of the creditors agree, your payment proposal may be unrealistic. Find out the reason for the rejection of your proposal and contact your municipality.

5. Pay off your debts

Paying off debts is often a matter of developing the proper habits and adopting an appropriate lifestyle. These little habits will help you reach your debt-free life goal. Your financial problems will diminish considerably, possibly even disappear altogether.

Getting rid of your debt is a long-term process, but being focused and consistent will help you reach your goal faster.

6. How should I deal with debt?

The most crucial step to dealing with debt is recognizing that the situation you are in now is a problem and thinking about how you can solve the problem. Debt can negatively affect your life in many ways. Not only will your economic situation deteriorate, but it can also hurt your private and work life.

It is therefore essential to tackle the problem as soon as possible. When you contact us, we will evaluate and describe your situation as best as possible in consultation with you. After this, our experts in debt solutions will be involved, and we will look at the best next steps in your situation. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Having a degree does not mean having a well-paying job. The search for talent increasingly leads companies to value the salaries of technical professions, and the “straw” is no longer the only determining factor. So, if you don’t have a degree, know that there are well-paid jobs without a college degree.

Did you know that the founders of the biggest companies in the technology sector, such as Steve Jobs, Michael Dell, Mark Zuckerberg, and Bill Gates, never completed their degrees?

And it is not by chance that their companies (which lead the market) are distinguished by their recruitment model, which favors the development potential of candidates within the company, without regard to their level of training.

We do not want to say that you should not bet on academic training if your dream profession involves having a degree or master’s degree. However, we cannot fail to emphasize that the so-called technical professions are increasingly sought after and well-remunerated. Therefore, they represent an attractive alternative in the labor market.

Several companies are adopting this method, considering that fewer and fewer qualified professionals are available in the market to respond to what companies are looking for. This makes them hire professionals with a more technical profile and later qualify them internally.

Where Can You Find High-Paying Jobs?

Manageable and well-paid employment is available, and the internet is today the finest resource, even for those with little experience. It is indeed possible to locate simple and well-paying employment the traditional way, but you will be restricting your possibilities, and it will most likely take you longer to find a job that meets all your needs.

Several internet platforms’ sole mission is to link businesses with employees. You must write a solid résumé, post it on numerous specialist websites, and apply for simple jobs that interest you. If you’re stuck for ideas, develop a list of occupations you’d want to undertake and look for them online.

Remember that to have a higher chance of success, you must be adaptable (you can even work while traveling). For example, if you’re searching for simple, well-paying work in your hometown but it’s not very big, you may need to widen your eyes and go to other towns that interest you to have more possibilities. Also, don’t count on traveling abroad to get the career you’ve always wanted; however, in this instance, you’ll need to consider other factors such as language study, arranging a relocation, acquiring visas and work permits, and so on.

Strengthen Skills

Obtaining a bachelor’s degree is only the first step toward developing a solid résumé. The management believes you should supplement the ‘hard’ skills gained during an internship or internship with soft abilities.

“The soft talents, including the ability to interact and cooperate as a team, are becoming increasingly crucial and have significant value for firms when hiring,” he added.

Specialize

Only approximately 5% of bachelor’s degree graduates choose to pursue a master’s degree; however, the learning must be industry and market-based and may or may not be obtained in a classroom.

“There is a perception that the ‘uberization’ of the labor allows individuals the option to supplement their income or prepare for greater possibilities by gaining experience,” Pricing said. According to the human resources organization, more than half of the enterprises in Mexico are having difficulty hiring talent.

Don’t Give Away Your Work

Manpower suggests avoiding ‘giving away’ your workforce, whether part-time or an internship, because this translates into exploitation and does not inspire any enthusiasm for the young person.

“We believe that theory should be integrated with work so that when you graduate, you will have a notion of the sort of job and companies you will have to work for without underestimating yourself,” he added.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Finance is a broad phrase that encompasses financing, influence or obligation, credit, capital markets, currency, and speculations. Essentially, finance addresses cash to the board and is the most common way of gaining required assets. Finance also encompasses managing, constructing, and studying monetary frameworks’ currency, banking, credits, speculations, investments, and obligations.

Many of the fundamental ideas in finance start from microeconomic and macroeconomic hypotheses. Perhaps the most major theory is the time worth of cash, which expresses that today’s dollar is valued more than a dollar later.

Key Takeaways

• Finance envelops banking, influence or obligation, credit, capital business sectors, cash, speculations, and the creation and oversight of monetary frameworks.
• Essential monetary ideas depend on microeconomic and macroeconomic hypotheses.
• The money field incorporates three primary subcategories: individual accounting, corporate money, and public (government) finance.
• Monetary administrations are the cycles by which shoppers and organizations secure financial products. The financial organizations’ region is a fundamental driver of a nation’s economy.

Kinds of Finance

Individual budgets, corporate money, and public (government) finance are the three main divisions of the money sector because consumers, companies, and government components all require funding to function.

Individual accounting

Monetary arranging includes examining people’s financial situation to detail procedures for future requirements inside economic limitations. Individual accounting is explicit to a singular’s circumstance and action. Subsequently, monetary techniques generally rely upon the individual’s profit, living necessities, objectives, and wants.

Individuals should set something set aside for retirement, for example, which requires saving or taking care of adequate money during their working lives to help their somewhat extended plans. This kind of financial organization decision falls under individual spending plans.

The individual budget incorporates buying monetary items, for example, Visas, protection, contracts, and different speculations. Banking is likewise viewed as a part of the personal budget since people use checking and investment accounts just as on the web or portable installment administrations like PayPal and Venmo.

Corporate finance

“Corporate money” refers to the economic activities associated with running a business, which a division or office usually oversees.

One example of corporate money is that a large corporation may need to decide whether to obtain more funds through a security offering or a stock donation. Speculation banks might prompt the firm on such contemplations and advertise the protections.

New businesses may get funding from private investors or sponsors for a stake in the company. If a company succeeds and decides to go public, it will sell shares on a stock exchange in an initial public offering (IPO) to obtain funds.

In other circumstances, an organization may seek to budget its money and determine which projects to support. This wide range of options is financed with corporate funds.

Public finance

Public money refers to the overloading, spending, planning, and issuing techniques that determine how a government pays for the services it provides to the public.

The national government forestalls market disappointment by managing the allotment of assets, the circulation of pay, and financial dependability. Usual financing generally happens through tax collection. Getting from banks, insurance agencies, and different countries helps finance government spending. The administration has social and financial obligations and oversees cash in everyday tasks. An administration is relied upon to guarantee sufficient social projects for its taxpaying residents and keep a steady economy so that individuals can set aside and you will protect their cash.

Financial services

The mechanisms through which individuals and corporations obtain financial commodities are known as financial services. A simple example is the financial assistance provided by a payment system provider when it accepts and transmits monies between payers and receivers. Checks, credit and debit cards, and electronic financial transfers are all examples of accounts paid this way. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Financial risk can be unavoidable. However, some financial risks can and should be avoided:

Never Rely on Only One Source of Income

Consider your company’s income the same way your stock portfolio would. When investing in your Portfolio, most of your firm’s income must come from several sources. As a startup, you’ll probably spend most of your time serving your first clients. Over time, these early sources of revenue tend to fade away. It makes it challenging to go out and open new accounts in other markets. As a result, focus on diversifying your revenue streams to prevent this financial risk.

Don’t Take Up Too Much Space Over Your Head

Everyone who is compensated in a company must be in a decent position. Positions that assist clients, develop goods, and turn leads into sales are examples of these sorts of jobs. Hiring “overhead” personnel may be costly, especially if they generate nothing or create revenue. It significantly lowers your company’s overall return on that investment.

Make a Well-Thought-Out Strategy

The growth of a business strategy is one of the first phases in supporting business people in decreasing the financial risk of launching a new company. Before you go in with both bases, figure out how much time and money you’ll put into your new business. In addition, you must carry out a market investigation. It will inform you whether the new enterprise can succeed or will fail and land you in the poorhouse.

Carry Out Excellence Assurance Trials

It must undergo a client care review before giving a product or service to a big production. Run a test group or beta test to see how it works before going live. It improves your company’s chances of success. It helps prevent introducing products that will take a long time to develop into marketable products.

Keep Good Records

Set up a recording framework that works for your new business all along. You can set aside both time and cash when paying solicitations and recording assessment forms by making a documenting framework to stay aware of administrative work.

Limit Loans

If you need to commence a business loan, make it as small as you can securely manage while providing sufficient investment and cushions to confirm achievement. It may sound unclear, but the loan you require to borrow depends on your monetary condition and the kind of business you are opening. Take a loan only when needed, and keep it as small as possible to decrease financial risk. If it is probable to fund your business without borrowing, it will be ideal for reducing your financial risk.

Decrease Account Receivable

To continue your company, you must collect the products or services you retail. Track receivables and ensure clients pay bills on time. Your achievement or failure depends on your capability to put money into your cash flow.

The Portfolio You’re Earning or Revenue

If probable, earn income from many sources of revenue. If your company fails, it makes business sense to have a backup strategy to prevent you from going insolvent or bankrupt.

Purchases Insurance

Take out death, disaster, and other insurance that may endanger your business. It costs some money to get insurance, but the peace of mind it brings is valuable at the cost of protecting you from dropping everything.

Save Cash

Save as much cash as you can. Build a cushion for additional “insurance” if a disaster strikes your company and you must shut down your business. That means you may require emphasizing the betterment of your private finances and having your urgent private funding before you commence a business.

Conclusion

One of the most significant financial hazards in a startup and growth unit is that you don’t know how much it costs to expand a firm. If the company wishes to expand into other markets or countries, it usually costs more than you anticipated. The situation might further deteriorate because expansion frequently necessitates the company’s need for additional funds, necessitating a new round of funding. As a result, the Business and expansion specialists stress the need to start when it comes to financing so that you don’t have to wait until the money runs out.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

What is a Home Equity Loan?

This kind of loan can provide you with cash in the form of a lump sum payment that you will give at a fixed interest rate, but only if you have enough equity.

Equity is the distinction between the value of your house and what you still owe on the mortgage. Consistently paying off your mortgage is one way to increase the equity in your home. And if real estate values increase in your area, your equity can grow even faster.

How Does a Home Equity Loan Work?

A home equity loan simultaneously provides you access to a lump sum of money. It may be the right choice if you know how much money you’ll require and when you’ll need it (to finance a remodeling project on a budget, for example).

You will repay this loan (principal and monthly interest) at a fixed rate for several years. Confirm you can afford this second mortgage payment, including your current mortgage and other monthly expenses.

How Much Can You Borrow With This Type of Loan?

A home equity loan generally permits you to borrow between 80% and 85% of the worth of your home, lowering what you owe on the mortgage. You can do some easy math to estimate how much you could borrow.

How to Calculate the Loan

To illustrate, let’s say your home is worth $350,000, your mortgage balance is $200,000, and your lender will permit you to borrow up to 85% of your home’s value. Multiply the value of your house ($350,000) by the percentage you can borrow (85% or .85). That gives you the highest value of $297,500 that you could borrow. Subtract the remaining amount on your mortgage ($200,000), and you’ll get the approximate quantity you can borrow as a house equity loan; in this case, $97,500.00.

Requirements

Qualification requirements for these loans vary by lender, but typically, these are some of the general requirements you will need to get approved:

• Accumulated home value of at least 15% to 20%.
• A credit score of 620 or higher.
• A debt-to-income ratio of 43% or less.

To confirm the fair market value of your house, your lender may also require an appraisal to determine how much you can borrow.

Are our Home Equity Loans a Good Idea?

Whether or not a house equity loan is a good idea depends on your financial condition and your strategy with the money. Using your house as collateral carries substantial risk, so it’s worth the time to weigh the advantages and disadvantages of a house equity loan.

Pros:

Fixed fees provide predictable payments, making budgeting easy.

You can acquire a lower interest rate than a personal loan or a credit card.

If your current mortgage rate is lower, you don’t have to give it up.

The interest may be deductible if you use the loan for home development or renovations.

Cons:

Less flexibility than a house equity line of credit

You’ll pay interest on the total amount of the loan, even if you’re using it incrementally, such as for an ongoing remodeling project.

For any loan secured by your home, late payments can jeopardize your home.

If you are ready to sell your home before you’ve finished paying off the loan, you’ll need to pay off your house equity loan balance.

What are the Differences Between a Home Equity Loan and a HELOC?

Unlike a lump sum home equity loan, a house equity line of credit, or HELOC, gives flexibility. There is still a total loan quantity, but you only borrow what you need, then pay it off and borrow again. That also means you pay a HELOC incrementally based on the amount you use instead of the total loan amount, like a credit card.

The other main difference is that HELOCs have flexible rates. Your rate could go up or down over the life of the loan, making your payments less expected. HELOC rates are often discounted at the start of the loan. However, after an initial phase of about six to 12 months, the interest rate usually goes up.

Likewise, if you have any questions, contact a Mister Loans specialist today who will gladly do the necessary paperwork for your loan after perfectly clarifying the scenario for you.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Everyone should have a financial plan. This statement has most likely been made in the media, in a gathering of friends, or by your advisor. We all understand this in theory, but many people are ignorant of how crucial a thorough financial plan is and what it entails.

Why Do You Need a Financial Plan?

Financial planning is a continuous activity that aims to assist the achievement of goals through effective financial resource management. It seeks to examine your financial state and establish projections to gain a comprehensive financial picture and determine whether you are on track to achieve your goals, considering your lifestyle, requirements, and priorities. There is no such thing as being too old, young, wealthy, or impoverished to benefit from financial planning. Goals may vary depending on your stage of life, but having a plan to help you reach them is always a good idea. According to research, people with a comprehensive plan are considerably more likely to feel on pace to accomplish their financial goals and are ready for any eventuality.

What Should You Include in Your Financial Plan?

A comprehensive financial plan can have several components, depending on what is appropriate for your situation:

• Financial management
• Investment planning
• Insurance and risk management
• Tax planning
• retirement planning
• business planning
• Estate planning and legal issues

Financial planning is a process that takes time and effort. Annually, and more frequently when different life events, both planned and unanticipated, occur, you should evaluate the plan with your advisor, such as:

• Change of marital status (cohabitation, marriage, divorce)
• Expansion of the family (birth or adoption of a child, blended family)
• Change in employment status (change in income or business outlook, job loss, retirement)
• Change of residence (purchase or sale of a house or second home, change of location)
• Death of spouse or dependent
• Heritage

Desire to achieve a particular financial goal or reallocate funds freed up by attaining a financial plan.

Getting what we value requires effort, just like getting anything else. We must actively participate in the process and be honest and transparent about our conditions and goals to maximize the value of the output. The peace of mind and greater financial and emotional well-being that come with an up-to-date, comprehensive financial plan is a small price to pay.

Tidying Up: Tips for Organizing Your Finances

The start of a new year is frequently associated with a fresh start. Now is the time to create plans for the coming months and set personal and financial objectives. A common aim of Canadians is to be in good financial shape. Only 28% of them, though, believe they have accomplished it. 1st, The same can be said about our southern neighbors: 70% are concerned about their financial situation. Two. You will feel more prepared if you have an excellent financial organization. Managing finances typically entails a plethora of paperwork (tax returns, monthly bills, bank statements, income statements, etc.), generally dispersed across the home. You’ll be able to find them more readily if you keep them all in one location.

Do you stick to a budget? Have you put a lot of money aside for retirement? If you responded no to these questions, it’s time to get to work. You can examine your financial status more efficiently with a better structure.

1. Set a budget (if you haven’t already) and stick to it

What is the fate of your money? An innovative financial plan must include a budget that answers this question. You will be better able to make informed decisions about your savings, expenses, and investments if you create a budget. The key is to strike a balance: Balancing a budget determines how to spend less than you make to break the debt cycle. To compare your income to your expenses, feel free to use personal financial calculators.

2. Manage your debt

There’s no need to devise a sophisticated debt-reduction strategy. Adhere to a few easy guidelines, such as living within your means and not spending more than you earn. Why not move balances to a less expensive credit if you have high-interest debt? You must pay more than the bare minimum to get out of it. You’ll never see the end if you only pay the minimum monthly amount.

3. Save for retirement

As you approach retirement, just as you did at the start of your career, you must consider a slew of questions to be prepared when the time comes. To ensure that you have enough money in retirement, you must learn about sources of retirement income. Here are sources of income to consider, in addition to government benefits:

• Annuities
• Products with Guaranteed Minimum Withdrawal (GRM)
• Automatic Withdrawal Plans (ARP)

ARP means scheduled periodic withdrawals from non-guaranteed sources of income, including but not limited to mutual funds, segregated fund contracts, stocks, bonds, GICs purchased from insurance companies, GICs purchased from banks, and cash accounts. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

By: Jennifer Brazer

Jennifer is the author of From Cubicle to Cloud and Founder/CEO of Complete Controller, a pioneering financial services firm that helps entrepreneurs break free of traditional constraints and scale their businesses to new heights.

Fact Checked By: Brittany McMillen

Capitalizing on Hot Investment Trends from 2022: A Guide to Boosting Your Portfolio

The financial world never sleeps, and 2022 was a year that kept every investor on their toes. With skyrocketing inflation, volatile crypto markets, and the undeniable rise of sustainable investing, it was a year of challenges—and opportunities. As the Founder of Complete Controller, I’ve seen how strategic pivots during times of change can make or break a portfolio. Today, I’ll share insights straight from the whirlwind of 2022 and explain how you can use these lessons to give your investments a winning edge moving forward.

Sometimes, the best opportunities are hidden in past data and emerging patterns. Let’s dig into the key financial trends from 2022, break them down, and discover how to integrate these strategies into your portfolio today.

2022: A Marketplace Defined by Change

If you spent last year adjusting your sails, you weren’t alone. Inflation hit 40-year highs, interest rates shot up as central banks struggled to stabilize economies, and many investors wrestled with reshaping their portfolios. Industries such as tech and healthcare managed to weather the storm, but others—like traditional retail—battled headwinds from supply chain disruptions and high costs.

Here’s the big takeaway: the key to thriving in unpredictable markets lies in adaptability. As someone who’s worked with thousands of business owners, I always remind my clients that even the best-laid plans need room for flexibility. The smartest investors know how to identify opportunities amidst uncertainty and refocus when the landscape shifts.

Learn how to streamline your investment portfolio to remain nimble in times of change.

Emerging Markets: Fueled by Growth, Powered by Resilience

Established markets may have stumbled in 2022, but emerging economies rose to the occasion. Countries like India, Brazil, and Vietnam became growth powerhouses driven by rapid innovation, demographic tailwinds, and infrastructure investments. A strong indicator of this shift? Emerging markets saw a 4% rise in foreign direct investment (FDI), while developed economies endured a significant 37% decline (UNCTAD, 2023).

Take India, for example. The nation’s embrace of technology and government-led initiatives like infrastructure upgrades turned it into one of the brightest stars on the global stage. Companies such as Infosys and Tata Consultancy Services enjoyed significant growth, carrying their markets alongside them.

How to act now

Investing in emerging markets can feel risky, but ETFs (Exchange-Traded Funds) designed to track specific regions provide an excellent entry point. They reduce exposure to single-country volatility while capturing broader growth trends.

Want more insights? Learn about the emerging markets growth drivers shaping opportunities globally.

Sustainable Investing: Aligning Profits with Principles

In 2022, sustainability became more than a buzzword—it became a movement. ESG (Environmental, Social, and Governance) investing trends attracted billions as consumers and businesses alike prioritized ethics alongside profits. Case in point: the sustainable finance market swelled to $5.8 trillion, a 10% annual increase (UNCTAD, 2023).

Investors are recognizing that well-run, ESG-compliant companies often weather crises better. Just look at companies like Patagonia and Tesla, whose sustainability missions have helped them build strong brands and loyal customer bases.

What can you do?

• Start small: Research ESG funds that align with issues you care about (climate, diversity, governance) while providing strong returns.
• Think long term: Companies with sustainable practices often outperform during downturns thanks to better risk management.

Curious about diving deeper? Check out the benefits of sustainable investing and ESG trends.

Cryptocurrency: Risky But Rewarding for Long-Haul Investors

Crypto investments in 2022 weren’t for the faint of heart. Bitcoin lost nearly 20% of its value in a single week, and Luna’s collapse made headlines. Still, not all was bleak. Adoption of decentralized finance (DeFi) platforms and NFTs (non-fungible tokens) surged, showcasing crypto’s long-term potential even amid short-term losses.

Adoption rates remain above pre-bull market levels, according to the Chainalysis Global Cryptocurrency Adoption Index (2022). As with any volatile market, surviving the swings comes down to strategy.

Play it smart

• Diversification is key—don’t put all your digital eggs in one Bitcoin basket. Consider newer coins like Solana or platforms driving innovation.
• Security matters—use hardware wallets such as Ledger to protect your investment.

Whether you’re bullish or simply curious, understanding trends is crucial. Need a broader overview? Dive into this cryptocurrency investment guide.

Tech Stocks: Betting Big on AI and Cybersecurity

Despite the odds, 2022 showed us that tech isn’t just a sector—it’s an inevitability. From AI transforming industries to cybersecurity defending against rising online threats, several key areas within tech are positioned for long-term growth.

Greenfield investments poured into sectors like semiconductors and operational technologies while digital economy projects slowed (UNCTAD, 2023). Giants like Amazon and NVIDIA led the pack, but smaller innovators, especially in AI, are worth watching closely.

Steps to capitalize

• Focus on trends that promise longevity: AI, cloud computing, and cybersecurity.
• Keep an eye on smaller tech players—they’re often bought out when larger companies look to scale their innovations.

Real Estate: Profitable Pivots in a Shifting Market

Real estate investment took on new dimensions in 2022. The rise of remote work disrupted commercial office spaces, but logistics properties boomed thanks to e-commerce demand.

For every investor wary of urban office spaces, smart plays like REITs (Real Estate Investment Trusts) proved resilient. For instance, REITs focused on warehouse properties—essential for online retailers—delivered dependable returns even in shaky markets.

Actionable insights

• Consider specialized REITs for logistics or tech-enabled spaces.
• Explore real estate investments abroad in high-growth areas of Southeast Asia, where affordability meets opportunity.

For strategic tips, explore even more real estate investment strategies.

Key Takeaways for Savvy Investors

2022 taught us more than how to ride the tide—it showed us where to build. Whether you’re inspired by ESG investing visions, looking to emerging markets, or doubling down on tech innovation, here’s your cheat sheet:

1. Emerging Markets: Use ETFs for exposure and reduced risk in high-growth economies like India and Brazil.
2. Sustainable Investing: Let your values guide your portfolio without sacrificing performance through ESG-focused funds.
3. Crypto: Stay calm during the chaos. Diversify your assets and focus on the long term.
4. Tech: Prioritize sectors that innovate for the future, such as AI and cloud computing.
5. Real Estate: Tap into niche markets like logistics REITs or affordable international properties.

Ready to Take the First Step?

Investing is inherently about looking forward, not back. Reflecting on the trends of 2022 is a chance to turn lessons into action and grow your portfolio with confidence. You’ve seen the opportunities; now it’s time to make them work for you.

Need help aligning these proven strategies with your personal goals? Learn more about how we can help at Complete Controller and unlock your portfolio’s potential.

FAQ

Why was 2022 significant for investors?

High inflation, central bank rate hikes, and a shift towards ESG values reshaped investment dynamics worldwide.

How do emerging markets continue to offer growth opportunities?

Emerging markets outperformed developed ones, with 4% FDI growth in 2022. ETFs can help investors tap into these opportunities effectively.

Is it too late to invest in sustainable funds?

Not at all. ESG investing remains a strong trend, and many funds outperform during downturns.

How can I reduce risk in cryptocurrency investments?

Diversify your assets, research new trends, and always secure investments with hardware wallets.

Are REITs worth it if interest rates rise?

Yes. Certain REITs, such as those focused on logistics, offer stability even in volatile interest rate environments.

Sources 

• [1] UNCTAD. World Investment Report 2023. UNCTAD, 2023, https://unctad.org/publication/world-investment-report-2023.
• [2] Pan, Jingyi. “Emerging markets conclude 2023 on a better note than developed markets.” S&P Global Market Intelligence, 16 Jan. 2024, https://www.spglobal.com/marketintelligence/en/mi/research-analysis/emerging-markets-conclude-2023-on-better-note-than-developed-markets-jan24.html.
• [3] Chainalysis. 2022 Global Cryptocurrency Adoption Index. Chainalysis, 14 Sept. 2022, https://www.chainalysis.com/blog/2022-global-crypto-adoption-index/.
• [4] Wikipedia. “Cryptocurrency.” Wikipedia, 2023, https://en.wikipedia.org/wiki/Cryptocurrency.
• [5] National Science Foundation. Estimate for 2022 Indicates Further Increase to $886 Billion. National Science Foundation, 22 Jan. 2024, https://ncses.nsf.gov/pubs/nsf24317.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Gone are the days when flipping through pages of newspapers, catalogs, and even flyers was the only way to find coupons. With our comprehensive list of excellent coupon sites here, you can be sure to save tons of money even while spending.

These best online coupon sites will help you save the stress offline searching can cause. They also make finding the latest and most excellent coupons and promo codes easy and quick.

Whether it’s a grocery coupon, digital coupon, printable coupon, or whatever, these sites have you covered. If you are like me to save, read this article carefully to learn about the best discount sites that can help you save.

What are Coupon Websites?

Manufacturers or merchants typically provide coupons to consumers, which you may send by direct mail, apps, social media, or other marketing methods.

With a coupon, a consumer can save and, at the same time, be persuaded to buy certain goods or services or to buy from specific retailers.

Why Should I Consider Coupons?

Coupons provide an easy way to reduce spending without losing service. While you will need to spend some time doing this, it can give a decent return on your investment.

And if you only use vouchers for everyday things like supermarkets, you can use the money you save for fun. Couponing will blow more space in your budget and allow you to spend money on other items.

What are the Types of Coupons?

Coupons have different types. So, before you consider getting into coupons, you must know the different types of coupons.

• Manufacturer’s Coupons: The manufacturer of the goods issues these vouchers. They are redeemable at any retailer that accepts coupons.
• Store Coupons: These coupons are provided by merchants.
• Manufacturer’s Printable Coupons: These are manufacturer’s coupons that you must print from a website.

Can You Save Money Easily or Not?

When I first started, I assumed it would be simple to test these discount discovery services. Open some websites and check what happens when you click a button. I found it to be even more complex than that, and it appears that conserving money will never be simple.

I loved the concept; however, the database and supported shop list are now incompatible.

Overall, neither of these coupon search services is beneficial, and you will seldom discover a deal for whatever you want to buy. They’re highly advised if you’re bored of seeking and would like to feel like it when you’ve at least attempted them. Who knows, you might also be able to save some money in the process!

Where do you look for discount codes? Is it possible to save money this way? Leave your thoughts in the comments section.

Some famous coupon sites are:

Groupon

Groupon stands for group and coupon. On Groupon.com, users can get thousands of deals and coupons for vacation, dining, fitness, shopping, beauty, and much more. Create an account and start saving for your desired experience.

Coupons.com

If you are looking for an online or offline discount, you should check out coupons.com. There, they offer coupons you can print offline and discount codes online. These discounts are free to use. So be wise when you shop online and save money at coupons.com.

Cashbacks

The easiest way to score free products in the Netherlands is cashback. These are promotions where you buy a (usually new) product, send in the coupon, and get the money refunded. Thanks to the internet, you often have your money back within a few days. Many cashback promotions run through the Scoupy app, but other channels offer cashback. Nowadays, even via Tikkie, which is, of course, paid back very quickly. When it comes to cashback, go for free products. Only buy products where you pay a little extra if you typically buy them and if the discount is higher than 50%. Otherwise, it’s better to leave them alone.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Many goods on the market help you save money regularly. Most often, however, they force their holder to discipline, i.e., the need to make regular payments of a certain amount or maintain a deposit for a given period. Some give you complete freedom. Individual clients who have a financial surplus but want to access it at any time can use a savings account. It is an ideal solution when we want to have quick access to money, but on the other hand, we do not want them to waste lying on an interest-free account. You can make deposits and withdrawals virtually anytime, and the account itself will be accessible in most cases. It is worth knowing detailed information about it.

Saving with a Savings Account

A savings account gives its holder many advantages. First, the savings account has a higher interest rate than the traditional ROR. In addition, its holder can freely accumulate funds on it, which means he is not obliged to make regular payments. It is also characterized by the freedom to dispose of money so you can make deposits and withdrawals at any time. However, management will be possible from the level of, among others, mobile applications or internet banking.

However, it would help if you remembered that although a savings account allows you to deposit funds safely, its interest rate will usually be lower than traditional term deposits. It is the price of being free to dispose of it.

The Interest Rate on the Savings Account

Funds collected on the savings account bear interest, usually at a variable rate, depending on the level of interest rates set by the Monetary Policy Council. Of course, the best savings accounts offer the highest rate, but you must reckon that when interest rates go down, the interest rate on our savings account will also drop. On the other hand, its increase will soon increase the interest rate on the account.

Although most savings accounts have relatively low interest rates, you can also find promotional interest rates, especially for new bank customers. However, there are also exciting offers for existing account holders occasionally. Then, the effective multiplication of resources is even easier.

Safety First

People who choose a savings account to collect and save money are primarily guided by the convenience of such a solution and the security it guarantees. Funds accumulated on savings accounts are, like traditional deposits, covered by the gradation of the Bank Guarantee Fund.

Promotional Conditions: Better Saving

Another issue that should be considered when looking for the best savings account in Poland is the promotional conditions. Banks often apply an increased interest rate only during the promotion period, e.g., three months, and then lower the rate. In addition, the promotion is subject to additional conditions that the holder is obliged to meet. Otherwise, the savings account will bear interest at the standard rate.

Which Bank is the Best to Open a Savings Account?

The main criterion for choosing the best savings accounts is the interest rate – the higher, the better. The choice is often subjective, influenced by many factors, such as the number of funds, the frequency of banking operations performed on the account, or the desire to have all products in one bank. However, considering the number of offers available on the market, it is worth guided by your own needs and expectations regarding the product.

How to Calculate Profit?

The critical factor in choosing a savings account is the interest rate. The bank sets the interest rate on the savings account, but it depends on the country’s general economic condition and the inflation level. The interest rate on a savings account is usually not high. However, it still allows you to multiply your savings; the higher, the better, resulting in a higher percentage of your savings and, therefore, a higher profit.

Interest in the savings account is usually calculated monthly on the capital you put in. Some banks also propose quarterly capitalization. The difference between savings accounts with monthly capitalization and an account with interest credited quarterly is slight. In the case of a more extended saving period, you can expect that the interest on an account with quarterly capitalization will increase slightly faster than in the case of monthly capitalization. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.