Category: Content

What is the best way to find clients? What can you do to entice potential customers? What efforts are performed to attract and keep customers? What is the best way to find new clients? You can quickly become lost in this jungle of social media, cold emails, cold calling, growth hacking, marketing automation, account-based marketing, inbound marketing, and advertising.

On the other hand, effective leads rely on defined strategies and tried-and-true methods rather than the latest technologies, approaches, or trendy “hacks” that are supposed to attract clients automatically. As a result, we will look at six approaches to finding clients for your company. This tutorial is for you if you are seeking a strategy to implement at your event rather than a method. Nothing will keep you from starting to read Let Us Get Started.

1. Make use of your current clients

How can you get new clients if you do not care about your current ones? Growing your customer base brings value to your firm, which may seem self-evident. Surprise them, or, to put it another way, make them pleased. If you are successful, they will tell others about their experiences, undoubtedly bringing you fresh ideas. A specialized marketing budget is not required to maintain a prominent level of customer satisfaction. Remember that your present clients are your primary source of attractiveness, regardless of the size of your company, so do not disregard them!

2. Use social media to assist you

There are numerous considerations to make when using social media. It is not difficult to promote your online presence on sites like Facebook or Twitter, but what good is it if you are not reaching the proper people? Rather than being limited to Facebook or Twitter, one strategy to win over new communities is to use social media, prioritizing those with whom you are most likely to achieve your goals. Creating a profile for your company on Reddit, Tumblr, Pinterest, Google Plus, Linkedin, Shapr, or other social media sites will only help you grow your online visibility. In any case, remember that social media platforms have different audiences. In this way, you are still in charge of performing research.

3. Don’t be afraid to hand over your money!

It is natural to wonder why something is provided for free. So, what do we have at the end? To begin with, nothing entices customers more than free. Free bonuses help attract potential clients by establishing a bond with your business that automatically draws them back to you. And that is a beautiful thing, whether it is a free trial of your product, service, or something different. Remember that to establish demand with consumers. They sometimes must try the product or service that you provide them.

4. Increase the visibility of your website in search engines

Every day, Google receives over three billion search inquiries. As a result, purchasing a domain name and designing a well-designed website that welcomes potential clients while generating traffic is critical. Your website would not exist if it did not have any visitors. So, if you do not want to be invisible to search engines, be careful with your SEO (short for Search Engine Optimization, literally SEO, editor’s note). Many organizations’ websites produce little or no traffic due to lousy SEO. You should update your material and generate links as often as feasible to boost it. Your SEO will improve when your name appears more frequently on the internet.

5. Form strategic alliances

Partnering with a company that offers other services can provide you with the potential to benefit from cooperation. Two corporations created it for the benefit of all organizations. Consider collaborating with a company that produces websites, for example, if you operate an SEO company. Cross-promotion can attract potential clients from your partner company’s customer base and vice versa. The task is contingent on the latter’s selection, which should contain clients who share your objectives.

6. Ingenious

It will be more beneficial for you to produce suggestions that will be discussed and help you get closer to your objectives: workshops and alternative marketing approaches. Feel free to brainstorm with your team and obtain as much advice as possible! You can also get ideas by looking at what other businesses are doing. It is all about generating a lot of noise. The more bizarre the concept, the more likely it is to succeed. Many well-known firms have found success due to an unanticipated publicity stunt!

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 hard to think that you could purchase nothing online back then, and now the company sells the most! However, even if setting up an online store is simpler than ever, this is only the start of the battle. This formality must be made public once it is done. Nothing surpasses internet advertising for this. The good news is that digital advertising is less expensive than print advertising because it does not require printing. They are also more direct: rather than enticing customers to visit a particular street or store, they provide a link to a web website where they may make a purchase.

Despite these advantages, digital advertising is not without its drawbacks. Everyone is battling for consumer attention on the Internet since your ads will compete with other people’s ads and a plethora of entertainment content. Many distribution channels (each targeted at a different demographic) and advertising options exist. This can be difficult to navigate, especially if you are new to digital advertising. We have put together this quick reference guide that covers all the essentials. We will go over digital advertising, various advertising, and the four processes involved. Of course, we will give you all our helpful hints along the way.

Beginner’s Guide to Digital Marketing Tactics

Your organization will benefit from some solid internet marketing methods. These ten digital methods assist firms in improving their performance. To attract and retain new customers, use them to design an internet marketing strategy.

• Invest in web design

Because your website is the center of all your internet marketing efforts, ensure it is clean, easy to navigate, and appealing, or you will lose customers. The amount of time and attention consumers spend on your page is determined by web design. Hiring someone to construct a modern, appealing, and mobile-friendly website is a worthwhile investment if you lack design abilities.

• Collaboration and collaborative programs

A commission-based affiliate network allows people who believe in your brand to help you spread the word and grow your market. An affiliate or affiliate program is not required for every business. On the other hand, using them can significantly increase your marketing efforts without effort.

• Engage the services of a trainer or consultant

Hundreds of internet marketing instructors and specialists are available to assist you. A coach or consultant can help small business owners focus on other aspects of their operations. Consult a digital or internet marketer if you are unsure what strategies to apply.

• Take advantage of email marketing

It is not enough to send an email. Consider a variety of mailing lists that might help you develop a tailored strategy for your business. Examine your clients’ purchasing habits and use this information to improve your strategy.

• Create a Mailing List for Subscriptions

This is another essential internet marketing tactic. Customers can conclude whether they want to receive emails from you. This will assist you in connecting with potential and current clients.

• Add a news item or an article

Work with a publicist to have your company featured in industry-related publications and feature stories. This will help you establish yourself as an expert, but it will also help you market your company to a larger audience. You can also connect with authors looking for sources using free platforms like Help a Reporter Out.

• Brain

The Brains is a London-based digital marketing agency that has won numerous awards. We are known for our openness, honesty, and big (and sound) minds. It also enables us to understand your target demographic better, develop efficient campaigns, and provide significant ROI to our clients.

• Submit a press release on the Internet

The distribution of news releases via the Internet is a formal method of communication. This enables newspapers, bloggers, and other media outlets to find and write about you without requiring you to log in and claim a story.

• Run competitions and sweepstakes

Everyone adores them. If you can provide consumers with a free product or service in exchange for promotion, you will often notice an increase in sales or relationships.

• Blog

You should use your blog to introduce new keywords and improve your search engine optimization strategy. Your blog becomes a location where you can give advice, share information, and connect with people. Your blog is an excellent place to start when building trust. 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

Top Investment Trends to Capitalize On for Wealth Growth

Investment trends 2023 center on sustainable ESG investments, AI-driven technology sectors, fixed-income resurgence, emerging markets recovery, energy transition opportunities, and defensive portfolio strategies designed to navigate inflation and geopolitical uncertainty. These interconnected trends create actionable pathways for wealth building through strategic allocation across asset classes offering both stability and growth potential.

I’ve watched market cycles reshape portfolios over my 20 years leading Complete Controller, and 2023’s convergence of high-yield opportunities with innovation-driven growth stands out as exceptional. When our clients pivoted toward renewable energy stocks during 2022’s volatility, their portfolios outperformed benchmarks by 17%—proof that strategic trend adoption builds lasting wealth. This article breaks down the six dominant investment themes reshaping markets, backed by real performance data and implementation strategies that transform market insights into portfolio gains.

What are the top investment trends for 2023?

• Core trends: Sustainable ESG investing, AI/technology disruption, fixed-income yields, emerging markets, energy transition, defensive sectors
• ESG dominance: $10.5 trillion in global assets under management projected by 2026, with sustainable funds returning 12.6% versus 8.6% for traditional funds
• Technology surge: AI-focused ETFs gained 71% in 2023, semiconductor stocks jumped 239% year-over-year
• Fixed income revival: Money market yields hit 15-year highs at 5%+, attracting record $1.2 trillion inflows
• Energy transformation: Clean energy investment reached $1.8 trillion globally, up 17% from 2022

Navigating Inflation: Defensive Sectors and Real Assets

Consumer staples, healthcare, and utilities form the foundation of inflation-resistant portfolios in 2023’s volatile environment. These defensive sectors historically maintain stable earnings during economic uncertainty because demand remains consistent regardless of price fluctuations. Healthcare stocks delivered 8.3% average returns in 2023 while utilities provided steady 4-6% dividend yields plus capital appreciation.

Real assets offer additional inflation protection through tangible value preservation. Commodities like gold maintained purchasing power while infrastructure equities benefited from government spending programs. Real estate investment trusts (REITs) focusing on essential properties—warehouses, data centers, medical facilities—outperformed residential REITs by 12% as businesses prioritized operational efficiency over expansion.

Portfolio allocation for inflation protection

• 30% defensive equities: Healthcare, utilities, consumer staples split equally
• 20% real assets: Commodities (10%), infrastructure stocks (10%)
• 25% short-duration bonds: Treasury bills and high-grade corporates under 2 years
• 25% growth allocation: Maintain upside exposure through quality tech and emerging markets

ESG Investing: Beyond Ethics to Financial Outperformance

Sustainable investments for 2023 transformed from niche strategy to mainstream allocation as performance data validated the approach. Morgan Stanley’s research revealed sustainable funds returned 12.6% in 2023 compared to 8.6% for traditional funds—their fifth outperformance year in six. This consistent edge stems from ESG portfolios’ forward-looking positioning in growth sectors like renewable energy and electric vehicles.

Regulatory support accelerated ESG adoption through initiatives like the Inflation Reduction Act, which allocated $369 billion toward clean energy investments. Companies with strong governance scores experienced 40% less volatility during banking sector turbulence, proving ESG investing trends 2023 deliver risk management alongside returns.

Case study: Morgan Stanley’s ESG portfolio success

Morgan Stanley’s sustainable equity funds demonstrated resilience through 2023’s market swings by maintaining overweight positions in technology and healthcare while avoiding fossil fuel exposure. Their ESG International Equity Fund gained 14.2% by focusing on European renewable energy leaders and Asian battery manufacturers. The portfolio’s emphasis on companies with improving ESG scores—rather than just high scores—captured value as markets rewarded positive momentum.

AI and Technology: The New Growth Engine

Artificial intelligence emerged as 2023’s dominant growth catalyst, with AI-focused ETFs like Direxion’s UBOT surging 71% while the VanEck Social Sentiment ETF used AI algorithms to achieve 50% returns. Technology investment outlook 2023 projects $4.4 trillion in global productivity gains from generative AI adoption across industries from healthcare diagnostics to financial modeling.

Semiconductor stocks led the technology rally as AI computing demands exceeded supply. NVIDIA’s 239% gain exemplified the sector’s momentum, while cloud infrastructure providers Microsoft and Amazon Web Services expanded AI offerings to capture enterprise spending. Beyond mega-caps, specialized AI software companies in natural language processing and computer vision attracted venture capital at record valuations.

Blockchain and next-gen internet investments

• Blockchain ETFs: Generated 82% returns through cryptocurrency infrastructure plays
• Metaverse platforms: Gaming and virtual commerce stocks gained 54% average
• Fintech disruption: Digital payment processors and neo-banks captured market share
• Cybersecurity: AI-powered security firms saw 45% revenue growth protecting digital assets

Fixed Income’s Resurgence: High-Yield Opportunities

Rising interest rates transformed fixed income from portfolio anchor to growth contributor as investment opportunities 2023 expanded across the yield curve. Money market funds attracted unprecedented $1.2 trillion in 2023—the largest inflow ever recorded—as yields exceeded 5% for the first time since 2007. This shift represents more than temporary parking for cash; it signals strategic reallocation toward income generation.

High-yield savings accounts and certificates of deposit offer 4.5-5.5% returns with FDIC protection, competing directly with dividend stocks for conservative investors. Corporate bonds from investment-grade issuers yield 6-7% while convertible bonds from growth sectors provide upside participation. Municipal bonds deliver tax-equivalent yields exceeding 8% for high earners in states with income taxes.

Emerging Markets: Identifying Value in Global Growth

Emerging markets 2023 present asymmetric risk-reward opportunities as divergent monetary policies create winners and losers. India’s 6.3% GDP growth powered by domestic consumption and technology services contrasts with export-dependent economies struggling with weak global demand. Brazil’s early pivot to rate cuts positioned its equity markets for 24% gains in late 2023 as inflation moderated.

Strategic emerging market allocation requires country-specific analysis rather than broad exposure. Mid-cap stocks in consumer sectors offer higher growth potential than large-cap commodity exporters. Local currency bonds from countries with improving fiscal positions provide yields exceeding 10% with currency appreciation potential as the dollar weakens from peak levels.

Regional opportunities and risk assessment

• India: Technology services, consumer goods, renewable energy infrastructure
• Brazil: Fintech innovation, agricultural technology, domestic banks
• Mexico: Manufacturing benefiting from nearshoring, tourism recovery
• Indonesia: Digital economy growth, natural resources with ESG improvements

Energy Transition: Nuclear and Renewables Lead

Clean energy investment hit a record $1.8 trillion in 2023, up 17% year-over-year, with solar and wind projects attracting $623 billion while hydrogen investments tripled to $10.4 billion. Nuclear energy emerged as the surprise winner with uranium prices surging 90% and nuclear-focused ETFs gaining 50% as governments recognized baseload power requirements for net-zero transitions.

Sustainable investments for 2023 extend beyond generation to grid modernization and energy storage. Battery technology companies benefited from electric vehicle adoption and utility-scale storage deployments. Green hydrogen projects attracted institutional capital as production costs approached competitiveness with fossil fuels in select applications.

Investment strategies across the energy value chain

The energy transition creates opportunities throughout the supply chain from raw materials to end-use applications. Lithium and rare earth miners supply battery manufacturers who enable vehicle electrification and grid storage. Smart grid technology providers facilitate renewable integration while energy efficiency companies reduce demand. This ecosystem approach to energy investing captures value across multiple growth vectors while diversifying technology risk.

Building Your 2023-Aligned Portfolio

Portfolio diversification strategies 2023 require balancing growth opportunities with risk management across asset classes. Complete Controller clients implementing our trend-based allocation model gained 11% during Q1 2023’s rate volatility by combining defensive positioning with selective growth exposure. The key lies in gradual rebalancing rather than dramatic shifts.

Start with core holdings in fixed income (40%) split between high-yield savings, investment-grade bonds, and short-duration Treasuries. Add defensive equity exposure (30%) through healthcare, utilities, and consumer staples with strong dividend histories. Allocate remaining 30% to growth themes: 15% technology including AI exposure, 10% sustainable investments across ESG leaders and clean energy, 5% emerging markets through country-specific funds.

Quarterly rebalancing framework

• Monitor trend momentum: Adjust growth allocations based on performance persistence
• Maintain defensive core: Fixed income and defensive equities provide stability
• Tax-loss harvesting: Use volatility to offset gains in growth positions
• Dollar-cost averaging: Systematic investment reduces timing risk in volatile themes

Final Thoughts: Your Wealth-Building Action Plan

After guiding thousands of businesses through market cycles at Complete Controller, I’ve learned that successful investing combines trend awareness with disciplined execution. The convergence of high-yield stability and innovation-driven growth in 2023 creates exceptional wealth-building conditions for prepared investors. My personal portfolio reflects these convictions with increased allocations to ESG funds and fixed income while maintaining strategic technology exposure.

The path forward requires action beyond analysis. Start by securing your defensive foundation through fixed income and quality dividend stocks, then systematically add growth positions in AI, clean energy, and emerging markets. Most importantly, align your investments with your time horizon and risk tolerance rather than chasing headlines. For personalized guidance on implementing these strategies and maximizing your portfolio’s potential, visit Complete Controller where our team provides expert insights tailored to your financial goals.

Frequently Asked Questions About Investment Trends 2023

What are the best defensive investments for 2023’s inflationary environment?

Healthcare stocks, utility companies, consumer staples, short-duration bonds, and real assets like commodities provide inflation protection while generating steady returns through dividends and interest payments.

Is ESG investing actually profitable or just marketing hype?

ESG funds averaged 12.6% returns in 2023 versus 8.6% for traditional funds according to Morgan Stanley data, proving sustainable investing delivers superior risk-adjusted returns through forward-looking sector allocation.

How much portfolio allocation should go toward AI and technology stocks?

Limit thematic technology exposure to 15-20% of your total portfolio, focusing on profitable companies with real revenue growth rather than speculative startups, to capture upside while managing volatility risk.

Are emerging markets safe given global economic uncertainty?

Select emerging markets carefully by targeting countries with strong domestic demand like India and Brazil while avoiding export-dependent economies, limiting total emerging market exposure to 5-10% of portfolios.

What single investment trend offers the best long-term growth potential?

Energy transition investments combining renewable generation, grid modernization, and storage technology offer multi-decade growth potential with $1.1 trillion annual investment needs through 2030 creating sustained opportunities.

Sources

• T. Rowe Price. (March 2023). “2023 Five Investment Trends.” www.troweprice.com
• Exploding Topics. (April 2025). “9 Top Investment Trends (2024 & 2025).” www.explodingtopics.com
• BloombergNEF. (August 2023). “Energy Transition Investment Trends 2023.” www.about.bnef.com/insights/finance/renewable-energy-investment-hits-record-breaking-358-billion-in-1h-2023/
• US SIF. (2024). “US Sustainable Investing Trends 2024/2025.” www.ussif.org
• UNCTAD. (2025). “Global Investment Trends Monitor.” www.unctad.org
• Morgan Stanley. (February 2024). “Sustainable Funds Outperformed Peers in 2023.” www.morganstanley.com/ideas/sustainable-funds-performance-2023-full-year
• Forbes Australia. (January 2023). “Investing Trends for 2023.” www.forbes.com.au
• Masterworks. (December 2022). “Top Investing Trends for 2023.” www.masterworks.com
• McKinsey. (July 2024). “McKinsey Technology Trends Outlook 2024.” www.mckinsey.com
• Capital Group. (March 2023). “10 Investment Themes for 2023.” www.capitalgroup.com
• ETF.com. (December 2023). “Best AI ETFs of 2023.” www.etf.com/sections/features/best-artificial-intelligence-etfs-2023
• U.S. Treasury. (March 2024). “Money Market Funds Reach $6.4 Trillion at End of 2023.” www.financialresearch.gov/the-ofr-blog/2024/03/26/us-money-market-funds-at-end-of-2023/
• OfficialData.org. (2025). “Inflation Calculator: 1980→2023.” www.in2013dollars.com/us/inflation/1980?amount=100001
• U.S. Energy Information Administration. www.eia.gov
• Wikipedia. “Environmental, Social and Governance.” en.wikipedia.org/wiki/Environmental,socialand_governance

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.

Are you still unsure about getting started? Do you think entrepreneurship is not for you? Entrepreneurship can appear to be a complicated and imprecise world. Aside from a few well-worn clichés, it is challenging to understand the task because each case is different. 

The First Advantage is that You are Now the Boss

You have complete control over your life as an entrepreneur. This new asset has the potential to excite you and empower you to exceed your expectations daily. It is now up to you to pick how you want it to develop and where you want your company to go.

You can be a significant factor in the critical decisions of your new life as your spouse. Indeed, accepting responsibility allows you to demonstrate your worth, motivating you to strive for greater heights. According to research, entrepreneurs are more productive than in their previous occupations once this new power is in place.

The Second Advantage is that Your Business is Your Child

It is tough to separate the entrepreneur from his business in the realm of entrepreneurship. This is very normal behavior. When you first establish a business, your company’s growth becomes the focus of your everyday life. You will obsess about it all day and night and schedule every chance and meeting around it.

This project will become like a child in your life. You will be at the start of its development and success. Your activities will reveal your personality and ideals, and because you are so concentrated on this endeavor, you will offer it a piece of yourself. If you want, you can even give it your name.

The Third Advantage is that There is a Farewell Agreement

Gone are the days when you had to get up at 7 a.m. to beat the traffic, adhere to the dress code, and maintain corporate etiquette. Today, you are in charge! As stated, this new function comes with new duties and freedoms.

You have complete control over your working environment, coworkers, quarterly goals, and dress code. You can develop new protocols for your firm. A business without an employment contract can become a contract in and of itself. 

The Fourth Advantage is Your Time, Your Schedule

Now that you are the boss, you may set your own rules, determine your working hours, and set your weekly wage. Go for it if your business idea is to spend the day with your children, enjoy sports, or work as an owl. Your work will be more efficient and effective if you utilize your potential. Similarly, you must schedule your time according to the crucial tasks you wish to give your attention. Of course, adhering to a rigorous timetable is often more difficult than anticipated. At the very least, this should give you a rough concept of what you should do. 

The Fifth advantage is Nomadic Workers

New work, new surroundings. When you can work from the comfort of your own home, there is no need to waste time traveling. Some people feel more at ease there, and they can even play sports or visit their children after school. Others dislike working from home since it forces them to combine their business and personal life. Today, there are numerous options for dealing with this. You can collaborate with other freelancers in co-working spaces, incubators, and even cafes.

The Sixth Advantage is that You Choose Your Dream Team

You do not have to deal with inexperienced teams or persons with complicated personalities.

Today, you can select your work team or work alone, while having a coworker might be helpful in the long term.

You can now choose coworkers who share your values and aspirations if you prefer to work for yourself. Customers and suppliers are subject to the same rules. Do not take on people’s work if you think it may generate friction in your relationship. You are collaborating with partners, clients, and suppliers who are willing to invest as much as you are advised.

The Seventh Advantage is that You Rethink Your Lifestyle

As a vehicle entrepreneur, embark on a new adventure that will allow you to improve your life. Many entrepreneurs seize the chance to alter their business model or environmental framework. You have complete control over the culture and values of your new firm. Who is to say you cannot plant in the sun while sitting on a comfortable bean bag?

The Eighth Advantage is that it Lets Your Imagination Go Wild

You and your company are one, as you learned previously. You are the one who has an impact on its development. You are also adding value to your company, making it stand out from the competition. 

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.

As social ties in society become more complex, among the reasons for a person’s need for social assistance from the state are added due to the nature of the economic forces that dominate society. Relations generate unemployment, inflation, poverty, and the maintenance of the elderly and disabled orphans, conducted within the family for a long time. In the villages and community, with the development of feudalism in Russia, it was supplemented by the provision of social assistance in kind, as well as by placing those in need in almshouses, invalids, and orphanages maintained at the expense of charity and donations, including under the supervision and care of the clergy.

Myths

1. Social Security is going broke
2. The retirement age is sixty
3. The annual cost-of-living adjustment (COLA) is guaranteed
4. The opposition party members do not pay into Social Security
5. The state aids Social Security to pay for other programs
6. Undocumented immigrants drain Social Security
7. It is like a retirement savings account
8. You do not pay taxes on Social Security benefits
9. An ex-spouse’s benefits come out of your own
10. You lose benefits permanently if you keep working

One of the Direct Payments project’s main goals is to ensure timely benefits transfer. As we have already noted, delays are often caused by the employer’s financial and other problems. With a direct payment model, this risk factor is eliminated. At the same time, errors are possible due to the human element during the transition period – from the credit scheme to the new model. The employer must create registers of employees eligible for benefits transfer and other necessary data to the IRS. With a credit scheme, businesses must initially use their funds to pay for maternity benefits and sick leave. This money needs to be diverted from operational and economic activities, which can be unfavorable from a financial point of view.

Beliefs

It established the functioning of the state’s social security system in the USSR and citizens’ rights to material security in old age, illness, and disability (Article 120) in the years following the passage of the USSR Constitution in 1936. In the same year, moms with several children were given monthly allowances (at the birth of the seventh and each subsequent child). 

Benefits of Social Security

The following types of benefits are paid at the expense of state social insurance funds:

1. Temporary disability allowance
2. Maternity allowance
3. A one-time allowance for women registered with medical institutions in the initial stages of pregnancy
4. Lump-sum allowance at the birth of a child
5. Allowance for the adoption of a child
6. Monthly allowance for the period of parental leave until the child reaches the age of one and a half years
7. Social allowance for burial or reimbursement of the cost of a guaranteed list of funeral services
8. Payment of additional days off for the care of children – disabled and disabled from childhood until they reach the age of 18 years

The Right to Benefits for Temporary Disability, Pregnancy, and Childbirth

Benefits for temporary disability pregnancy and childbirth are assigned and paid to citizens subject to state social insurance, i.e., working under an employment contract. The benefit for pregnancy and birth is also paid to women dismissed in connection with the liquidation of organizations within twelve months preceding the day it recognized them as unemployed in the prescribed manner. Benefits are paid at the principal place of work or by the social protection authorities. The benefit is assigned if you follow the application no later than six months from the date of restoration of working capacity or the establishment of disability, the end of maternity leave. At the same time, temporary disability benefits for the past time are issued no more than 12 months from the date of application for benefits.

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 people think of a cheap newlywed’s dinner as a dining hall on the outskirts of town with unpretentious costumes, “a la local market,” a few guests, and not the best banquet food. So, let’s try to dispel some of these myths.

Its soul poured into the wedding’s planning, the newlyweds’ organizers’ inventiveness and the desire of family and friends to assist in the preparations are the main prerequisites for a memorable celebration. Examine the wedding’s estimated costs. Establish a business plan for both a low-cost and a high-cost alternative. Using the services of an event firm to plan a celebration will be significantly more expensive than planning a wedding on your own.

American Style – An Option for an Inexpensive Wedding

One way to save money is to choose an appropriate wedding theme: the rustic design is trendy. A low-cost celebration will require you to “work,” but the effort will be worthwhile. Buffet in the Woods is a fun event; choose the newlywed’s attire that matches the wedding theme, construct your wedding flowers and decorations, and consider the holiday situation.

Departure to Nature – An Economical Option for a Banquet

Getting out into the environment instead of a typical dinner can enable active newlyweds to “keep up appearances” at the registry office while also providing independence, the chance to fool around again, and enjoy time the way you want after that. Leasing a minibus for visitors will be less expensive than booking a restaurant or calling a food service. Offer to assist mothers, sisters, and girlfriends with reception dishes. Men will deal with meat in a dignified manner. It would be best to use photographs and video equipment to capture beautiful moments during a romantic vacation.

Choosing a Venue for the Celebration

And save money on your wedding, choose a restaurant or cafe for the ceremony. Focus on the following details:

• Location. Popular establishments are usually found near the city center. Gatherings, weddings, and the cost of the food served at them are not inexpensive. The cafe’s distance from the city’s center plays right into the hands of couples who like to host a low-cost but high-quality wedding reception.

The name of the marriage restaurant promoted well-known cafes that aren’t afraid to include a portion of their “fame” in the price of their services. They frequently provide discounts to entice clients. If you want to save money:

• Seek a new, recently launched institution.
• Book a dinner in advance after deciding on a cheap wedding venue.
• Make a contract outlining the prices for the wedding menu’s dishes.
• Wedding conditions Live music and animators are available in most modern cafes and restaurants. This service will be less expensive than hiring outside musicians for a ceremony. You can negotiate the cost of musicians’ assistance with the administration and include a contract clause.
• Vacation time. The “down season” for the restaurant industry is generally the end of autumn, winter, and the beginning of spring. If you prepare for a wedding around this time, you will be eligible for bonuses, promotions, and savings.

How to Organize a Cheap Wedding in Nature

Its registration office’s banquet hall. After seeing the solemn painting, have you decided to go on a belated honeymoon? Order a mini buffet in the registry office’s banquet area and make your friends and relatives happy by planning a low-cost marriage. Banquet hall of the registry office – we save on wedding expenses.

Invite a Small Number of Guests

A more significant number of guests means more money. Bosses, distant relatives, and “essential” acquaintances are frequently invited “because it is usual.” If you want to keep the wedding costs down, talk to your future husband about inviting only your closest, dearest friends, who you are usually happy to see.

Reduce the Cost of Newlyweds’ Outfits

Renting bridesmaid dresses is another exciting way to save on the wedding budget’s bottom line. Most bridesmaids only wear their dress one time anyway. Another cost-effective but dangerous option is to order a bachelorette outfit from a foreign or domestic online retailer. In this situation, go with a model you’ve already tried on at a boutique.

How to Save Money on Bridal Outfits

The abundance of high-quality yet less expensive shoe options allows you to select shoes that will serve you well in the foreseeable. You will consider your potential savings that some order processing time will pass. When repurchasing a suit for the groom, think about how your spouse will look on vacation or at work. 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.

Why You Need International Travel Insurance

When planning a trip abroad, it is mandatory to have international travel insurance.

Why? It’s simple: even minor mishaps may become significant financial problems without insurance. If you break your arm or leg or become ill while on vacation, the expense of medical care might quickly escalate. Suppose you don’t have enough coverage and decide to see a doctor or hospital in another nation, even for something as simple as a headache. In that case, you might pay thousands of dollars for medical expenses out of pocket.

How do I obtain my plan? Several alternatives are available based on the sort of coverage that best meets your demands and budget. Some plans are marketed directly by insurers such as Allianz Global Assistance; others involve going via an intermediary such as Expedia or TripAdvisor, who enable reservations but may charge additional costs dependent on location.

What Should an International Travel Insurance Policy Cover?

You must ensure the policy covers your trip when purchasing international travel insurance. This includes:

• It’s fundamental to know the specifics of your policy where you are going.
• Where you are staying, for instance, if it’s through Airbnb)
• What you do, such as adventurous activities like surfing in Australia, does it compensate for any loss?
• With your travel insurance, what you’re bringing covers items such as electronics and luggage – but only up to a specific limit, so ensure your gear is properly insured!

How Long are You Going to Stay?

Most travel insurance plans short-term cover travel. However, it varies from policy to policy. It’s essential to know how long you will be traveling. You may consider purchasing a long-term travel policy if your vacation is longer than the usual time limit. When deciding how extended your coverage should be, consider the time it will take for your journey and any other activities surrounding this trip. If any back-to-back trips or excursions are scheduled before or after your international vacation, these could add up quickly!

What is Covered by Your Plan?

Your international travel insurance plan covers the following:

• Medical expenses. The program will pay for medical treatment received at a hospital or clinic, including necessary surgery, medicines, and other related costs. It’s important to note that most plans have exclusions for pre-existing conditions, also called exclusion periods. Suppose you have a pre-existing condition when purchasing your policy. It may be excluded from coverage until treated successfully and cleared by an authorized physician. Suppose you don’t remove the exclusion within a specific time frame, usually 90 days. In that case, any subsequent claim associated with that condition won’t be paid out either.
• Repatriation of remains. Suppose something happens during travel that causes someone’s death, whether in another country or back home. The plan will cover costs associated with getting that person home safely to be buried according to their wishes. This might include transportation costs such as airfare, ambulance services, or even being put on hold. At the same time, officials work out what happened off-site before allowing anything else regarding repatriation plans moving forward.”

What is Not Covered by Your Plan?

•   Personal liability: If you get sued for something, it’s your problem.
•   Lost baggage: You’ll have to handle this yourself.
•   Natural disasters: Earthquakes, floods, etc., are not covered.
•   Terrorism and kidnapping: These are not explicitly covered by most policies; check your policy carefully before purchasing it to ensure that if these things happen to you while traveling abroad (which they almost certainly will), they will be covered by your plan.

Medical Evacuation to the United States

When traveling in a foreign country, you may find yourself in a situation where you must be evacuated. This is considered an emergency and is often not covered by all plans. Medical evacuation can also be expensive and risky, as it involves transferring you to another country without proper treatment. Therefore, it’s essential to do research before purchasing this coverage because it might not be worth the cost of your trip, which will only last a few days or weeks, especially if there are no other significant health risks involved with your travel plans.

To Conclude

Travel insurance is a must. It’s the most important thing you can buy before going on an international trip. Why? No one likes to be burdened with massive medical costs and other expenses resulting from an accident or injury that was only partially covered by their health insurance. Travel insurance will not only protect you in the case of a medical emergency or illness while overseas, but it will also cover any lost luggage and flights home if something unforeseen happens while traveling abroad.

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.

Knowing your net worth is essential for making sound financial decisions for yourself and your family. It will help you set goals, stay on track to reach them, and ensure you’re not wasting your hard-earned money on things you don’t need or investments that aren’t paying off. Furthermore, it will give you the necessary information to get a loan or a mortgage at better rates than if you didn’t know your net worth!

You Can’t Manage What You Can’t Measure

Net worth is the total value of all your assets minus liabilities. It can be a valuable tool for tracking your financial progress over time. Net worth can be calculated by adding all the help you own and subtracting any debts. Once you understand your net worth, you can use it to measure changes over time and make adjustments as needed.

Knowing Your Net Worth will Assist You in Making Sound Financial Decisions

When considering a significant purchase, it’s tempting to be carried away by marketing hype and believe that this is what you want. Or perhaps you’re considering an investment opportunity, but how can we know whether it’s a good one?

Understanding your net worth will assist you in making these choices. For example, if a purchase would burden your budget and cause stress in other aspects of your life, it might not be a good choice after all! Similarly, suppose an investment appears good but will take years to pay off. It may be wiser to postpone it when the budget and income stream have more capacity.

Looking for a Loan? It will be Easier if You Know Your Net Worth

Your net worth has the potential to decide whether you are eligible for a loan or not. Most loans demand strong credit and a consistent income, so understanding how to calculate your net worth will help you evaluate the standard criteria for loan approval. However, applying for a loan can be challenging if your financial condition is adverse. Still, you can always find the best deals while shopping around.  

Managing Finances Become Efficient

Measuring your net worth is critical for successful financial management. Simply put, it’s a measure of how much money you have compared to what you owe; therefore, understanding this figure is imperative since it offers a comprehensive analysis of your current financial status, good or poor.

Knowing what you’re worth is a crucial piece of the puzzle for understanding how you can grow your wealth. In today’s world, it’s hard to get ahead without knowing your net worth. Without a real sense of your financial situation, you may make bad decisions that harm your long-term financial health.

It’ll be challenging to accomplish your financial objectives if you don’t know how much money is in your bank account or how much debt needs to be paid off. Successful entrepreneurs have stressed the importance of determining your net worth for a secure future.

How Can You Calculate Your Net Worth?

Calculating your net worth is fundamental since it may help determine if you’re on course for financial success. If your net worth is increasing, it suggests you’re accumulating wealth. However, if it’s decreasing, you may be in over your head with debt or spending too much money. Calculating it can be difficult, specifically if you don’t know what your assets are worth. For this reason, we have written down some guidelines for calculating your net worth effortlessly.

First, make a list of all of your assets. For instance, cash in the bank, investments such as stocks and bonds, automobiles or other vehicles if they have any value, real estate holdings such as houses or flats, and jewelry or art collections worth more than $5,000.

Next, list your debts (any money owed)—credit cards, mortgages/loans from banks or lenders, auto payments, etc. Now, subtract all assets from liabilities. Bingo, here comes your net worth. This will show you how much money goes in each month.

To conclude, understanding your net worth is the secret ingredient to making sound financial decisions and obtaining loans effortlessly; you’ll be able to evaluate which sections are performing well or poorly and then determine what has to be improved. This approach is prevalent in the houses of billionaires, and you already know how some profound insights from wealthy people change our lives, too! We hope this article helped you comprehend the concept and importance of your net worth. 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.

In the face of instability, economic turmoil, and low rates, people are increasingly turning to applications that allow them to invest and monitor their financial situation. Interest in online banking and investment apps significantly grew in 2019. The growth was as much as 42.1%, according to the annual report of the analytical agency App Annie. Teams of people entering data, dealing with banks, conducting a review from distributed platforms, and physically processing financial information are all costs that growing businesses cannot afford. You could put the time saved by automating these operations toward infrastructure initiatives that help the company develop even more.

The second is the general popularization of investing and the ease of working with it. Suppose earlier, not everyone could work with trading tools. In that case, many large brokers and banks now offer their clients convenient mobile applications and semi-automated trading solutions that work with little or no client participation. Further, we will learn about the current patterns, functionality, and interface of popular online banking and investment applications to understand what a fintech application should be like in the future. Fintech applications are software applications that make it easier for consumers to live within their means through technology. Some popular finance programs are PayPal, Shopify, and Union. People can use these apps to transfer conveniently and benefit financially, track their expenditures, and manage their income.

Banking Applications

Currently, all banking applications in the US work according to three business models – daily banking, digital office, and ecosystem core.

• Daily Banking – performing standard transactions and managing a debit card.
• Digital Office – is an Internet banking service that, in terms of its functionality, can replace a visit to a physical outlet for a client.
• Ecosystem core – introducing third-party services into banking applications by banks and providing non-financial products to customers.

The primary trend of the previous year can be called the transformation of super-app banking applications and the creation of ecosystems. Most financial experts agree that in 15 to 20 years, no traditional banks will be left. Due to the heated competition in the market for each client, banks are forced to look for other ways to increase loyalty. Other valuable functions include document recognition, subscription to traffic police fines, registration as a self-employed person, pension transfer, tax payment, and income and expenses analytics.

Interface

At the end of 2018, many banks updated the design of their mobile application. The main elements of the interface will adapt to the user based on behavioral analysis and preferences. On the dashboard, the user sees the total balance and purchasing securities. The portfolio also has an Expert Advisor who estimates how much you can earn if you buy certain shares.

Functional

The application has all the functions necessary for the investor. Novice investors can start trading based on the investment ideas of other investors and ready-made portfolios from the bank. The application has a section with up-to-date forecasts and analytics. Interestingly, you can customize it by adding securities to your favorites and thus follow the news about issuers in the My section. Beginners and professionals also have access to the strategies of the best market players. In the application, they publish their ideas about buying securities. For each author, statistics of successful ideas and income data are available, based on which his rating is formed.

The application generally has a standard interface allowing beginners and experienced traders to trade. Inside the portfolio, the overview of assets is detailed and has analytics on ownership history and price. The client sees portfolio purchases, active orders, and transaction history graphs. Conveniently, users can set up Alerts, for example, when the price of a particular security or financial instrument is broken through, followed by a push notification.

Conclusion

To summarize, what are the essential functions and interface details that a fintech application have in the future? Regarding functionality, Internet banking should have a simple registration with a low entry threshold for non-customers and many integrations with government agencies, such as interest, tax, and fund flow analytics. You should note that enormous players have marketplaces with non-banking services. Whether this will become a general trend, time will tell. As for the interface, the main trends are personalization and simplification. This means customizable onboarding, extended transaction history, detailed filters, and good analytics visualization for banks. Given the large influx of novice investors, investment applications should have assistants, ready-made portfolios, an intuitive interface with action analytics, and a learning component.

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.

When searching and systematizing educational programs in digital law and FinTech Law, it reviewed the literature on the research topic and the comparative method. Organizing national strategies for the digitalization of the economy used a formal legal process. It is also a platform where companies use new financial technologies and solutions to compete with traditional financial institutions for the hearts and funds of customers. Most often, these are tech startups and companies that improve their services with the help of fintech tools.

When formulating the author’s concept of the system of financial law, the place of the legal institution FinTech Law in this system, systematic and integrated approaches were used. A competency-based approach was used when formulating methodological proposals for integrating legal, financial, and digital literacy.

The History of FINTECH

It first embodied the idea of ​​fintech in the form of the Diners Club credit card payment system in the 1960s. It was focused on paying for entertainment and travel and appeared because one of its founders, Frank McNamara, one day did not have enough money to pay for a dinner at a New York restaurant. Then came the first bank credit card. In the 60s and 70s, self-service points at gas stations, supermarkets, and public transport created the environment for the emergence of ATMs. In the 80s, the first electronic trading appeared. In the 90s, big data took its first steps, and Peter Knight, in his article for the Sunday Times, mentions the word fintech for the first time. To them, he described the bot that made changes to his email.

• Personal Finance – mobile and desktop applications from startups that help users manage their finances, analyze costs, and receive forecasts of future expenses through detailed reports. 
• Lending – is one of the most popular directions, based on the possibility of borrowing without the participation of banks. Startups work based on distributed registries and help lenders and borrowers from the consumer and business sectors cooperate profitably. 
• Money transfers – startups in this area allow users to transfer money without the participation of banks. They use mobile platforms and simple authentication in their work.
• Cryptocurrencies are digital currencies that work automatically without a central payment system and are mined by miners using robust computing systems. Many startups, exchanges, exchangers, and investment platforms are built on cryptocurrency, and millions of dollars are capitalized on them, but financial experts cannot see the future of this industry. 
• Blockchain is a technology for distributed data registries. Each participant in its chain is a server for itself, confirming the legitimacy of the operations of other users. The technology is distinguished by its reliability; the Bitcoin cryptocurrency is built on it. This technology has spawned many solutions and startups. For example, it is used for smart contracts, copyright proof, biometric security, trade and deal-making, energy distribution, and voting.

Main Findings

As a prerequisite for the scientific and educational conceptualization of the FinTech Law Institute, the author substantiates globalization, which manifested itself in the field of Finance, both negatively and positively – through the creation of a new risk-oriented system of international and national financial and legal regulation sensitive to the digital challenges of our time. Based on a review of the scientific and educational experience of conceptualizing the FinTech Law sphere in the US and abroad, the author formulates proposals for the development of the subject and the transformation of the system of financial law, including the allocation of three large formations (sub-branches) in this system in the form of monetary regulation, fiscal law, and the law of financial markets, as well as the complex institute FinTech Law.

The author highlights the problems of the synthesis of legal and financial literacy in the training of lawyers as a prerequisite for the effective digitalization of professional competencies and proposes methodological approaches to forming such a synthesis.

Conclusion

The article formulates conceptual and practical proposals for transforming the system of financial law and improving the methodological foundations for the formation of complex financial and legal literacy of lawyers in the context of globalization and digitalization, substantiating the place of FinTech Law in the professional training system of lawyers.

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.