Author: Complete Controller

Electronic trading

The digital era of the New York Stock Exchange started in 1966 when the NYSE switched to a fully computerized infrastructure. Efficient stock trading requires fast and accurate data crunching. Computers are far better at such tasks than the average human. This made computers and the stock exchange a perfect match. 

The digitalization of the stock exchange permanently changed how the market functioned. Traders were now able to use algorithms to calculate the probability of different events and how they would affect the market; this mitigated the risk factor of stock trading and made the practice far more profitable. 

The Dot.com bubble

During the worldwide web boom, the stock market’s relationship with technology was changed forever in 1999. The early internet provided a platform for businesses to reach new and wider markets than ever before. At first, this was not necessarily about increasing profits. The first goal was to drive traffic to their website and garner more attention toward their business in doing so. 

Seeing the kinds of goods and services various demographics were paying attention to online, venture capitalists realized that a new market was starting to develop, one with massive potential for increased value for the stock market. 

The prediction of a new, emerging market proved true. It was not long before the ‘dot.com bubble’ started to swell and swell until it eventually bursts. Most of the early websites that were floating their shares on the stock exchange did not survive. Those that did, such as Amazon and Google, became juggernauts of the tech industry. Amazon CEO Jeff Bezos compared the bursting of the dot.com bubble to the gold rush. “Because, you know, resilience – if you think of it in terms of the Gold Rush, then you’d be pretty depressed right now because the last nugget of gold would be gone. But the good thing is, with innovation, there is not a last nugget. Every new thing creates two new questions and two new opportunities.”

Social media & digital marketing

Jeff Bezos’ prediction proved true, brand innovations would lead to new opportunities for growth and profit on the stock market. The greatest of these innovations, it can be argued, has been the advent of social media. Platforms like Facebook, Twitter, and Instagram have brought various demographics of people closer together than ever before, creating new opportunities for brands to profit. Brands like Nike and GoPro have excelled on social media, and this has been positively reflected in their performance on the stock market. 

On the other hand, there are also instances of companies’ stock market value being impacted negatively because of social media. The stock market tends to be very reactionary. The slightest disturbance in the market can cause shareholders to sell stock end masse. Social media compounds upon this issue because information on social media travels very quickly, and usually reaches millions of people before it can be verified and contextualized, allowing impulsive shareholders to react faster than ever. 

Many groups have displayed how social media can be used to influence markets. One such recent example is the GameStop fiasco that was incited by a community on Reddit earlier this month. 

Large hedge funds were banking on profiting off the failing video game retailer. The online community r/Wall-Streeters saw this as an opportunity to beat these hedge funds at their own game. By buying up cheap GameStop stock, the hedge funds lose millions. This was a rare example of how the stock market can put power in the hands of common people. 

The age of apps

In recent years, smartphones have made stock trading more easily accessible than ever before, thanks to apps that have entered the market. The power to trade stocks securely has been put in the hands of the people, thanks to apps such as Robin Hood and Sofia. Most of these apps even provide practice accounts, that people who are new to stock trading can use to practice. 

Looking to the future

With the advent of artificial intelligence and blockchain technology, it is a remarkably interesting point in history for stock trading, but it is also a volatile time. It is hard to say what global stock markets will look like shortly. Will the influx of new traders cause inflation? Or will new technology continue to empower individuals, allowing them to compete in a market that large corporations and the wealthy elite have traditionally dominated? Only time will tell. 

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.

Sure, you will think that this is impossible. Then let’s start with the first point. Do not become indebted! Remember that debt is the slavery of the modern world. Having our full salary opens a world of possibilities for savings. This is not impossible; for example, if you have an apartment or a house, put it for rent, and with that, you can pay your debt.

Learn to manage a monthly budget

It is amazing how very few people manage a monthly budget, and they have full knowledge of their expenses and income. This is not difficult, and we have already done the work for you. Download our budget form to control your money perfectly: You do not need to be a finance professional; the secret is not to cheat yourself by saving money to travel and being realistic with what you are receiving and spending. Apply that popular saying:  Do not spend what you do not have.

Eliminate unnecessary expenses

We return to the part of being more minimalist to live better. Once you have made your analysis and have made your monthly budget, eliminate unnecessary expenses.

These expenses can be:

• Internet
• Netflix
• Go to dinner every weekend
• Subscription to the gym
• Cut the Cable TV
• Forget about hairdressing

Think that everything adds up; instead of paying for a gym, why do not you go for free exercise in the square or in your own home? That is what You did. In my case, we cut the cable TV that we barely used. You hardly have time when you’re working all day, so do something more practical and save money for your next trip by cutting unnecessary expenses. Our case, which we undertook while working as an employee, was much easier since our time was spent on activities that could generate extra income.

Open an exclusive account to save money for your trip

While each of us has our own bank account, we open another to save money for our trip and for the blog. Having an exclusive bank account to save will keep your money safe and keep money away from you and from the many temptations of spending it. In our case, that account was sacred and could not be touched.

Set a fixed amount of monthly savings

We often think that we do not have to save money since the salary does not reach us. But this is not true. Suppose you earn 10% less of your salary each month. Logically, this step must be done based on:

• your salary
• your possibilities
• your financial commitments

At first, it may seem complicated, but once you turn it into a habit that as soon as you pay it, you put it in your savings account to travel, it will become an automatic and very simple task. We save more than 60% of our wages each month by applying these tips.

Everything you receive extra use it intelligently

If you work for someone else or do some extra work, you will probably receive:

• Utilities
• commissions
• bonus
• work bonus
• cousin

In this case, use that money to pay your debts or put it as part of your savings to travel the world.

Find an extra income source

This point may seem obvious, but we give you our case. We did not want to stay hanging after fulfilling our dream of going around the world, while we wanted to help other people with what we knew. That’s why we train in digital business to be able to start and have extra income at the moment. Not only did we create the blog as an online business, but we also rented a room with Airbnb that generated other revenue. We bought a car that made him work as a taxi, and You even did many times as a driver. If you want to know how to generate money with Airbnb and stay free for the world, you can read our mega guide here. The issue is not to guarantee yourself the salary you receive. You can always get more and other ways to save money to travel the world.

Forget about gifts for social commitments

Your family and your true friends will understand. In addition to us, it seems stupid to have to give material things, especially because we believe that the main gift is what you share with people: your time. That is our case, although it may seem controversial to many people. When we started to travel, we told the family that they would not receive gifts for Christmas, birthdays, or any other type of event. Nobody put us a bit and rather they always helped us save more. 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.

Over the years, we have witnessed the trend of social media evolving, with more and more people trying to get ahead in the game. Similarly, businesses are in over their heads with social media trends rapidly changing, with them ending up playing catch.

However, today we have professionals who efficiently manage social media platforms. A lot is on their plates, from preparing regular posts to implementing online analytics procedures to attract traffic. Nonetheless, with such a professional on your team, you can rest assured that you can reach the top!

Did you know that 46% of the entire world’s population has a profile on one or more social media platforms? That makes 3.4 billion social media users all around the globe. 

That is huge! 

Considering these statistics, it is evident that social media is the most invaluable digital marketing tool that is playing a crucial role in taking businesses to the front line of the competition! You can make the most out of this tool only when you use it the right way! 

And there is only one way you can do that – People First Marketing! 

Get ahead of the fame game – beat your competition

If there is one cost-effective way to boost your business by enhancing its visibility, it is through our super-effective social media marketing. 

With an extensive experience of XX years and working with various different businesses, we have developed expertise in designing diverse social media marketing campaigns. We have created the most powerful campaigns that help companies enjoy a high ROI! 

Social media marketing – enhance visibility & boost sales

In the sea of digital marketing, social media marketing is not just super-effective, but it is very cost-effective. For businesses looking for ways to build a strong reputation in the digital world, making social media a part of their digital marketing strategy is a must! 

Social media is a priceless platform that helps businesses usher in millions of targeted visitors to their website by encouraging engagement and running social media ad campaigns. There are seven most powerful social media platforms at present that open businesses to an unlimited flow of traffic and prospects, including Facebook, Twitter, Instagram, Snap Chat, Pinterest, YouTube, and LinkedIn.

Social media platforms are no more limited to single-use, which was as a medium to broadcast content, but it helps monitor the audience’s response towards the brands. The five core pillars that help businesses make the most of this digital marketing technique include strategy, buffer publishing, engagement, analytics, and advertising. 

So, if you are a young business looking to jump on the bandwagon of social media, then get a social media manager on your team. Here are a few other reasons why a social media manager can potentially take your business to the next level.

A content creator

Most social media managers today are excellent content creators; hence, they know exactly how to cater to your audience. Moreover, their content skills showcase their research skills, which is time-consuming. Thus, for a business owner, a social media manager can conduct extensive market research so that you can focus on selling your products/services.

A social media strategist

Like any other aspect of your business, social media also requires a robust strategy. In other words, you do not want to post random thoughts on your business’s social media. It would be best to have a plan to target social media users who are a major aspect of your online traffic. Moreover, you need a strategist who performs consistently rather than a one-hit-wonder.

Cost savings

If you think hiring a social media manager can cost you extra money, then think again! In other words, you are acquiring a multitasker into your team; hence, saving costs entirely. Moreover, you also reduce professional development costs since these social media managers are always up to date on marketing trends.

Building brand recognition

A social media manager, along with the entire team, has the expertise in building a brand and maintaining it. Since they have the capabilities necessary to target and communicate with audiences who are interested in your products/services. We also discussed their content creation abilities, which gives them ample opportunities to attract customers that can target your purchase funnels.

In short, social media managers can be multifaceted professionals who can take your business to immeasurable heights of supremacy. Your social media manager can do wonders for you, from delivering on-point branding to attracting new customers to the business!

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.

It is never too early or too late to start a young person in daily financial concepts. And, by the way, you do not have to be a financial expert. Here are the tips to help parents, guardians, and caregivers teach a child (from preschool to college) why and how to be responsible with the money.

Have regular conversations about money issues

That includes talking to your child about what he is doing and why when managing money at home, in the city, or at the bank. For example, consider talking about similar products that have a noticeable price difference in a store and how you decide what a good price is. In addition, you can explain that having a savings account in a bank has advantages such as interest income, peace of mind knowing that the money will be there when you need it and that the deposit insurance coverage covers up to $250,000 if the bank closes.

Even with automatic transfers, such as direct deposit of your salary, consider the bank statement to show how the money goes in and out of your account.

Also, there are opportunities to explain financial decisions at special times of the year (such as at the time of the tax return or the “season” to choose insurance at work).

Consider giving a pension as a teaching tool

It can be a positive way to teach children about money management, even to preschoolers. But before giving them the first pension, help your child decide how much to spend now and how much to save for future goals. Then, help the young person to see if that goal is being achieved by consulting a bank summary online or on paper. Also, talk about the advantages and disadvantages associated with a purchase decision, such as buying a toy can mean giving up the opportunity to buy another item that the child also wants.

Think about it before giving the child more money if he spent it before paying the next pension. That is because part of the purpose of a pension is to teach saving skills, self-control, and the benefits of waiting to enjoy the greater reward.

And, for younger children, consider paying a pension in smaller denominations to make it easier to learn to count and save.

Help your children develop a healthy skepticism about unsolicited advertisements and surveys

In general, teach your children how to analyze ads; They need to know that “special offers” often are not as wonderful as they appear.

Earnings and savings since the beginning

Children in this school group are naturally curious about their world, including money. By introducing several basic concepts and being a good role model, you can help them gain financial skills that can last a lifetime.

Learn about how you earn and how money is used! 

Money can be introduced to children as soon as they learn to count. Although you usually pay with a debit card, occasionally use bills and coins so that your child can learn about the different values. Imaginary games, like pretending to go to the store or restaurant, can also help teach money concepts. Playing with real coins has many advantages because you can teach children the values ​​of different coins but remember that coins are a choking hazard for young children. 

Learn about how money is earned

Having the child get paid for small tasks will allow him to learn about the value of working and earning. Consider making a poster of your child’s work and include the amount of the payment for homework done.

Start saving!

Consider separating the money to spend from saving. Start with jars or piggy banks clearly labeled for your child to divide their cash. This will teach your child to synchronize their expenses and savings.

Understand the differences between needs and wants

For your child to make good spending decisions, you must be able to identify and distinguish between needs (things needed to live, such as food or shelter) and wants (toys and sweets). You can play to point out different items in your home and ask your child if it is a need or a wish … and why. You can do the same when shopping.

Borrow responsibly!

Children generally do not understand the difference between buying and borrowing. You must teach them to be responsible for the items they borrow and return them promptly. Help your child create and maintain a list of items he has borrowed from friends or relatives and return dates. You will support the concepts of responsibly borrowing and personal accountability by doing so.

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.

Do you know how much your company will sell in 2019? Do you know the budget distribution of each area? Does the commercial department meet the objectives? If you do not find an answer to these questions, you do not have a sales budget. We give you the keys to use the sales budget as a management tool for the commercial department.

The utility of the sales budget 

Every company and every department must work oriented to obtain results following commercial objectives. These must be in harmony with the organization’s mission, vision, and values. The sales department is decisive in generating income and production volumes of the company. Therefore, you must have precise, achievable, and realistic objectives.

The sales budget stands as the main tool for the commercial department’s administration, management, and control. It is a document that offers estimates of sales levels and helps to know the profitability of the company. It acts as a schedule to contemplate financial estimates and calculate the business’s sales potential.

Many companies rely on information and data extracted from the sales budget to make financial decisions. This has a direct influence on the level of production. If it is estimated that sales will increase, production must be proportionally increased to meet the demand. If it is the opposite, production must be adjusted to economize and make the most of resources.

Features 

The budget is an indispensable part of the general operating budget of the company, so it must gather clear and precise information for strategic planning. All sales budgets must meet several fundamental characteristics:

• It includes a list of all the products or services marketed by the company. It is the basis on which the company’s financial decisions are based.
• It serves as a guide on the sales objectives for the company.
• The estimated sales must be valued according to the quantity, the number of units, and economic value.
• To be flexible and elastic.

Kyes to make an effective sales budget

1. Analyze the current situation of the company and count on the opinion of those responsible for each area

They will provide you with detailed information to make the sales forecast since they know the department’s activities well. They will be able to make a more approximate calculation of the investment for each employee and the necessary tools and resources.

Keep what worked and try to learn from the mistakes of the past. It is imperative to know your strengths and weaknesses to find opportunities.

2. Set clear and realistic goals

Use the sales forecast logically by contrasting the historical information with the situation of the sector and the general economic situation. It is better to compare previous years’ results (approximately 2) by analyzing the variances of quantity or price without taking them as absolute truths.

Determine if your goals are growth, increase in profitability, expansion of product lines, or increase in market share. You must consider the known factors that will intervene during the year, such as expenses and production volume, commercial and advertising and promotion expenses, structure, distribution, investments in new products, or entry into new markets, depending on the planned objectives.

3. Seasonality and trends are key elements to consider

Since the sales are not linear, the budget cannot be equitably divided into 12 periods. You have to consider promotions, stock liquidations, launch new products, and reflect them in the budget individually. To do this, you must create a calendar and set the different amounts of the budget assigned to each time of the year.

4. Segment your types of clients and their location

Remember that both customer service and distribution processes generate expenses that must be stipulated in the budget. It is advisable to differentiate the client types and divide the budget allocated to each group.

It is essential to keep part of the budget for the new customer niches that may arise during the budgeted period. The emergence of new market segments, innovation, and the use of opportunities is something you must have when preparing your sales budget.

5. Set an adjusted but flexible price

Usually, the prices are stipulated concerning the costs of the volume of sales that is wanted to obtain, like an answer to the competition or according to its value for the client. Everything depends on your objectives, past experiences, and the clients to whom it is addressed. It is also vital that you know the competition’s prices as a point of reference.

Consider first what it costs you to produce, promote and have your product and service ready for sale and add an additional% as a profit margin. So, you can know the limit line on which you must set your prices and how many customers you will need for service to “cover expenses,” and that the sale is profitable.

Do not forget to consider the margins for promotions and rebates in specific periods that make the offer of your product or service attractive.

6. No cuts in operating expenses or innovation

Balance your manufacturing and budget capacity. It is not advisable to skimp on some necessary resources such as:

• Hiring workers or suppliers sacrifices the quality of the product or service
• Sources of raw materials and general supplies
• Availability of capital to finance production
• Availability of alternative distribution channels; redesign of old products, the introduction of new products, and changes in sales territories

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.

One of the great strengths of life insurance is its ability to meet different goals. What do you want to do with these savings? Do you build a heritage? Get a pension supplement? Saving for a real estate investment, paying for your children’s education? Or prepare your estate? The various media at your disposal – funds in euros or UC units – will give you access to a wide range of assets (shares, bonds, SCPI, OPCI, etc.), allowing life insurance to quickly adapt to your needs your risk appetite. Secondly, life insurance benefits from a very favorable tax regime in the event of withdrawal, particularly after eight years of detention but also in the event of a transfer, one of its major assets.

First payment is required at the opening of the contract. Then, the rate of payments is free, but they can be subject to minimum investment, often reduced in online banks. This investment also offers great flexibility: you choose between scheduled payments, or free installments, according to the desired pace and your savings capacity.

Depending on the media chosen, funds in dollars, the performance will be guaranteed in the first case, and subject to market fluctuations for the part invested in units of the account whose proportion and characteristics will vary according to your risk profile.

Life insurance is not necessarily a risky investment. Life insurance can be adapted to many situations depending on your investor profile (cautious, balanced, dynamic, or offensive). For the funds in euros, the capital is guaranteed (after deduction of the expenses borne by the subscriber), and the insurer returns an annual rate of return. The units of account allow you to diversify your investment, but the capital is not guaranteed, and the amounts invested are subject to capital loss. The level of risk varies depending on the medium chosen.

Finally, you have the option to opt for free and autonomous management, with the possibility of being accompanied by a choice of media and the subsequent modification of the allocation. You can also prefer a mandate, which allows you to entrust your contract management to experts.

The beneficiary clause refers to the person or persons who will receive the capital in the event of death. This clause, therefore, requires special attention to avoid any ambiguity when you die. Know first that you have real freedom in establishing this clause: designation of the beneficiary or beneficiaries, setting order of priority between them, and sharing capital between them. Your spouse and your children are not the only ones who can claim it. You can add an external beneficiary to your immediate family circle.

Finally, you can change the beneficiaries during the life of the contract, provided that the previous beneficiary has not formally accepted his appointment. His agreement will be necessary to change the clause.

You are free to withdraw at any time. But earnings remain subject to income tax and social security contributions when they have not yet been removed. We invite you to go to the tenth question to know the precise modalities.

In addition, it should be noted that this withdrawal may lead to specific costs, particularly in the context of exit penalties for a certain amount.

These two types of contracts are often confused. Yet their modalities and goals are different.

What is commonly referred to as death insurance belongs to pensions. It provides for the payment of a lump sum to the beneficiary designated by the insured on his death. If the risk does not occur, the contributions paid are not repaid and therefore lost.

On the other hand, life insurance makes it possible to build up savings, value them, and transmit them. Therefore, you can freely recover all or part of your capital as indicated above. In the event of death, the valued savings are paid back to the beneficiaries designated in the contract.

Depending on where you open your life insurance policy, fees may vary. For example, some intermediaries apply payment fees that others, like online banks, do not charge. Distributors may also choose to charge or not to arbitrate. In the same way, the annual management fees vary according to the supports (fund in euros or UC) and according to the establishment.

Life insurance is not transferable from one company to another, which is one of the differences with most other products (PEA, securities account, etc.)

If you are dissatisfied with your contract (disappointing performance, lack of flexibility of terms, high fees), you must cancel your current contract and open a new one in another institution. But beware of the tax consequences: possible taxation and loss of tax precedence. So other more flexible solutions may need to study the tax impact: make partial withdrawals and put the sums on a contract more suited to your goals. Or simply keep his contract as is and make future payments on a new contract.

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.

During the first half of the twentieth century, while the industrial revolution was in full swing in our countries, cardiovascular diseases (CVD) spread like a true epidemic. Today, only the tribes of Africa, Australia, and South America that have not been caught up by industrialization and live far from cities, safe from pollution and industrial food, are still spared by this evil of the century.

For Dr. François Reeves, these two observations highlight the harmful effects of pollution on the heart and convince him of the need to sensitize his clinical colleagues, decision-makers, and the general public to the role of this environmental factor, what he is doing in his latest extension book entitled Planet Heart: Heart Health and the Environment. 

This professor of the Faculty of Medicine at the University of Montreal does not question the role of heredity, smoking, cholesterol, hypertension, and diabetes in the development of cardiovascular disease. However, he insists that we have entirely forgotten why the incidence of these diseases had exploded in the first half of the twentieth century. ” It was not until the end of the 1990s to realize the preponderant role of the environment, in this case, air pollution and industrial food, which amplifies the traditional risk factors,” said the cardiologist.

When we burn fossil fuels, myriad particles of different sizes are emitted. First, coarse particles, ranging in diameter from 10 to 2.5 micrometers, that poison the lungs and cause asthma and occupational diseases. But also, fine particles (of 2.5 microns in diameter) and ultrafine (of 0.1 microns), which, like gases such as oxygen, pass through the membrane of the pulmonary alveoli and join the blood circulation at the level pulmonary arteries. 

Once in the blood, a process that compares to the phenomenon of rust in iron pipes. It is the process of atherosclerosis that results in calcification deposits on the artery walls and thromboses that will lead to blockage of the arteries and subsequently to arrhythmias, infarcts, and strokes, “explains the doctor. Scientist. When burned, fossil fuels also emit toxic gases, some of which also induce oxidative stress in the arteries. 

For example, countries that have experienced intense industrialization in the last 50 years, such as India and China, have been hit by an explosion of Cardiovascular Diseases. ” By becoming the new global plant operating mainly on coal, China has seen cardiovascular mortality quadruple in its territory between 1950 and 2000. The stroke rate is seven times higher than in the United States, where, however, pollution is decreasing, Dr. Reeves notes. In all cities in America and Europe, where air pollution has decreased, the incidence of CVD has also declined. Life expectancy has even increased in some cities that have successfully reduced the level of fine particles emitted into the environment. ” 

According to Dr. Reeves, the environmental dimension was” clearly underestimated “and is yet flagrant, as evidenced by regional disparities, such as those observed between France and Russia. In Russia, the cardiovascular mortality rate is 760 per 100,000 population for men aged 25 to 64 years. 

It is more than 25 times lower in France, with 28 deaths per 100,000 inhabitants. “Is it the fault of vodka? The French consume big red stains. It is said that 35% of Russians smoke. But France has an even larger number of smokers since 40% of its population is addicted to tobacco. What distinguishes Russia from France is that the latter derives 60% of its electricity from nuclear energy while Russia burns coal. Also, anti-pollution measures are much stricter in France than in Russia, where they are almost non-existent, “said the cardiologist.

Industrial Foods

Dr. Reeves also blames industrial foods with three harmful elements to the heart: trans fats that raise LDL (low-density lipoprotein), fructose-glucose, which promotes diabetes, and salt. The excess induces hypertension. ” It is estimated that there are probably 30% of Canadians who are hypertensive because the industry puts too much salt in the food it prepares. “

 Industrial foods (bread, biscuits, vegetable juice) account for 70% of the 4,000 to 5,000 mg of salt consumed daily in North America, while our body should only absorb 1500 mg, says the specialist. “Also, the prevalence of diabetes is much higher in the United States than in France, where we are much more concerned about the quality of our diet and where we eat many more fresh and natural products, while Americans consume at all prepared, very rich in salt, trans fat, and fructose-glucose. “

“The elimination of these three molecules could dramatically change the rate of diabetes, hypertension, obesity, and Cardiovascular Disease, “believes Dr. Reeves, who dreams of green cities and pollution-free, like Zermatt in Swiss. You can reach the city center by train, where you can drive by electric car, bike or horse. You do not breathe an ounce of the exhaust. Geneva is also a cardio-environmental city.

Everything is green, electric, and pedestrian. And yet, we do not feel that public transit is for the poor. A very prosperous population uses public transport because it is easy and enjoyable. Economic success and a healthy and pleasant environment are not incompatible.

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.

The best business is the one that begins with passion. As in such a case, an entrepreneur dedicates their entire focus to turning their passion into a profit-generating business.

Some people possess business minds but do not have a clear direction and the required capital to run a large-scale business. This article provides some of the cheapest business ideas that require little or no investment. These cheap business ideas can help business-minded people to use their skills to achieve success in the corporate world.

Bookkeeping and accounting:

Bookkeeping services are a perfect business idea for people who have expertise in accounting and are good with finances. Many businesses need an expert accountant or professional bookkeeping services to take care of their financials. Without much investment, people can use their skills and set up their accounting and bookkeeping services.

Business consultation:

Another smart way to set up a business with little or no money is by offering business planning and consultation services to those in need. It is a great business idea for people who have spent quality time in the corporate sector. Being an independent business consultant can start a new business that does not need any substantial initial investments.

Social media management:

A prime focus of businesses in social media for marketing their product or services. Social media marketing is one of the most sought-after marketing techniques. Social media enthusiasts can offer their services like social media managers. The initial setup requires no monetary investments!

Photography:

A prevailing business this year is photography. The trend of photography is at its peak and can serve as one of the cheapest ways to start a business. It requires a top-quality camera and photography skills. Those who have both can start their business immediately. It is a great way to convert one’s skills into money-earning small businesses.

Event planning:

Event The best business is the one that begins with passion. As in such a case, an entrepreneur dedicates their entire focus to turning their passion into a profit-generating business.

Some people possess business minds but do not have a clear direction and the required capital to run a large-scale business. This article provides some of the cheapest business ideas that require little or no investment. These cheap business ideas can help business-minded people to use their skills to achieve success in the corporate world.

Interior Decorating:

For people who love decorating homes and have a good eye for picking the right furniture and theme, interior decorating can do wonders for them as a business. It is a cheap business idea that can be very lucrative if done on a big scale.

Graphic designing:

Graphic designing is a relatively easy option to pick for cheap ways to start a business. It is a perfect business idea for those with skills in design and art. The tools required for this business include some computer programs like Adobe, canvas, or sketch and an artistic mind.

Pet grooming:

People with a soft corner for pets in their hearts can choose pet grooming as their business idea. All one needs for this business is a kind heart and a pet-loving nature. It requires no actual knowledge about pets but just an affectionate soul. Opening a full-fledged pet grooming facility is an expensive business idea. Therefore, start by providing mobile services.

Tutoring:

One of the most highly demanded occupations, tutoring can help people earn good money. A group of tutors can start the tutoring business at home, and as it gains momentum, they can turn it into a full-service tutoring business.

Content creation:

Digital marketing is the most focused form of marketing today. Due to the high demand for digital marketing, the need for content creators has touched its peak. It is one of the most lucrative work from home business ideas. It is a cheap way to start a digital marketing business.

These are the cheapest ways to use their business minds and convert their skills into highly lucrative businesses. To choose the perfect business idea, a person should answer the following questions; where does the interest lie? The value of the skills possessed in the market. How can the skills satisfy the needs of the market? What kind of working environment is required for the audience that one will be targeting?

After answering these questions, an entrepreneur can find a direction and choose any of these cheap ways to start a business. It is not always necessary to have a business idea to set up a profit-running business without much investment. A smart approach and a business mind are required at a record high today. Well-reputed corporate entities hire freelancer event planners to handle their events. People who like arranging events and have tried their hand at event planning at a small scale and have received appreciation, this is the right business idea for them! It is a cheap way of starting a business as it requires little investment.

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.

Investing apps are promising to be one of the top choices for new stockholders to get elaborate in the stock market. And even knowledgeable depositors may treasure opportunities to save currency and progress their collections with one of the accessible financing apps.

You know the old saying, big things appear in small packages?

Related to this quote, these days, you can produce to significant sum all done using headsets devices no extra than large in six sizes. It’s ok; you should invest in the actual period on your phone concluded an assortment of excessive mobile venture apps, less or more compared to a specialized Wall Street trader. 

In one or more ways, that is a decent contract. Which is cast-off to be getting that specialized support with your bond, stock, and funds investment at a value that comes?

Some great investment management apps should usually the quality.

Stash

Stash is the investment app of mobile. That bills itself as the digital landing advertisement for stockholders searching for the best financial market tools, and that is something maybe. That is an app that permits mobile operators to capitalize on low-cost funds exchange-traded and stocks previously examined by the company’s investment predictors—the app associations to foremost stock market investigation stages that are like MarketWatch and Yahoo Finance. Then permits you to capitalize as tiny as $5. You can invest as stash put it just $1. You will get a personal investment account with unlimited openings like education, trade, and fractional investing for as little as $5. And the over cost is 0.25% annually and accounts balance of $5,000 per year. 

Vault

Vault is a simple app to use, initiated with experienced and qualified investment advice from expert customer services representatives. It is the low tiniest cash amount of $1 and low monthly fees $1 is accessible for inexpert giving up work investor looking for a toe-hold to become happening. This app enables any long-term investor, retirement investment mob, to expose a separate retirement account Roth IRA, (IRA) or SEP IRA accounts for the freelance occupation professionals.

Personal capital

The personal capital app is more of a fowl-eye view of your investment assortments. This app tracks and updates your investment assortments holdings and estimates your collection performance and risk management and skill allocation needs. You can even put down to square out the specific loser and gainer in your investment assortments. This app user will not pay trade commissions; the possessions fees price jumps with the first million dollars invested.

Stockpile

This app shadows a flourishing development among investment apps; you can invest an incremental amount of your money in the stock market. Stockpile offers the capability to purchase slight shares of 100 stocks and exchange-traded assets for as low as $5 per trade. Do charge a commission in this app, and there are no monthly dues or accounts at least.  

E-Trade

E-Trade destitute the mold for-fee model at low cast investment. In those days, the company’s per-trade fee of $6.95 appears almost ancient but does not magistrate E-Trade’s mobile app on interchange price unaccompanied. This app investment organization makes trading stock and researching and funds simple. The app allows the user to trade stock, ETFs, and standard assets. They also invested specialists in building, streaming quotes, charts, and portfolio data in time sideways with high-level help from E-Trade.

Robinhood

Comparable Stockpile, Robinhood permits stockholders to get a piece of a decent publicly traded corporation in small morsels and in a commission-able way that is particularly attractive to fresher depositors.

That all is, the app is one of the best stock trading apps available today.

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.

90% of people must pay maximum income tax compared to their requirement. It would be best if you readied to submit your yearly tax, income, and personal income tax declaration. Make sure you will pay the overall tax that must exceed the requirement. You may find errors in most of the tax returns. Being a taxpayer, complete your income statement correctly. 

Many taxpayers must make the declaration of the Income Tax of the Physical Persons every year. This tax is levied on the income obtained by individuals, both for wages and salaries, as well as income from movable capital (shares, investments) or real estate (rent for rental of properties) and the increases in equity obtained.

When is it obligatory to make the income tax declaration?

There is an obligation to declare this tax for people who have obtained in the previous year rents greater than $20,000 per year if they come from a single-payer, or $10,000 per year if they come from different payers (provided that the second and other payers add up, more than $1,200 per year, otherwise the $20,000 per year will continue to prevail).

There is also an obligation to declare whether the income returns and capital gains exceed $1.300 and real estate $,1000.

Reductions and deductions in the IRPF declaration

But there are a series of reductions and deductions that will decrease the amounts obtained when establishing the calculation base.

It is estimated that contributions to Social Security or mutual insurance companies, such as professional associations, are necessary to obtain the income, and therefore, are deducted from the tax base. Let us see several cases.

Contributions and contributions to pension plans: they reduce the base if they are attributed to the owner of the contributions (who makes the payments). This is the future holder of the perceptions. It means that each taxpayer deducts their payments. We cannot deduce, for example, the contributions of our wife—nor our contributions to plans whose beneficiary is the spouse.

Contributions and contributions to social security mutual funds: provided they have not already been deducted from the net income of economic activity. Its purpose is to cover possible contingencies: retirement, total disability, absolute or great disability, and death.

Premiums paid to insured pension plans: insurance contracts that cover retirement contingencies, total disability, absolute or large disability, and death, and where the policy expressly specifies that it is an “Insured Pension Plan.”

Contributions made by workers to social welfare plans: the policy must expressly state that it is an “insured plan of insurance,” and the main contingency covered must be retirement.

Satisfied premiums to private insurance: exclusively covering the risk of severe dependence or high dependence on family members up to a third-degree, spouses, or dependents, with a maximum limit of 30% of the sum of the income for the year (50% for over 50 years old) or $10,000, the lowest of these amounts.

Contributions made to pension systems favoring people with disabilities: (more than 65% physical or 33% psychic) or disability declared judicially.

Contributions for protecting the patrimony of the diminished people: in equal degree to point 6).

Contributions to Compensatory Pensions: favoring the spouse or alimony payments to the children, judicially ordered.

Minimum Personal and Family

Also, there is an adaptation of the base to the circumstances of each taxpayer, which is called ” personal and family minimum, “which is the part that is supposed to be essential to meet the basic needs of the taxpayer and his family. Generally, the taxpayer may reduce $5,000 from the base.

Typically, the statement for the personal income tax does not come under the obligation of some people as per their income. You must earn an identical personal income of less than $22,000 or $14,000 from an individual taxpayer. Invested income must be patrimonial, and profit must be around $1,600. According to property incomes, the treasury bill produces the tax acquisition of house council or cost taxed until $1,000. The patrimonial losses should not be more than $500. 

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.