Stock Market: Evaluating The Factors Driving It


The stock market is basically a multifaceted, unified system that comprises of big as well as small investors who make uncoordinated choices in regard to several forms of investments. We need to understand first that ‘the stock market’ we refer to is not a living object. In fact, it is just an amalgamation for the shared values of respective firms. This is the main reason why it is challenging to pick one specific factor that independently drives the entire stock market. CyberMentors Bitcoin Code Robot review

However, to understand things in simple terms, the first point to accept here is that the value of respective stocks is understood on the basis of the current supply and demand status in the market. The amount of shares issued by a company decides regarding the supply of stocks. When it comes to demand, that is created by the individuals who wish to purchase those particular shares from stockholders who own them. So, the amount for that stock will keep increasing depending on the number of people willing to purchase it.

However, the supply of shares, be it of any stock, is restricted in the market. It is possible for the investors to purchase only those shares that are owned by an individual already. This leads to a buying and selling phenomenon. The price of the share of stocks will go up when several individuals want to buy the stocks but not much people are interested in selling it. The prices will start to come down only when it becomes way too expensive for investors to buy the shares.

So, apart from supply and demand, let us explore some additional factors that influence the performance of the stock market.

Factors affecting the stock market

Some of the prime reasons include-

  • Firm’s Financial Status: The financial status of an organization also has an important role to play in influencing the performance of the stock market. In case it is anticipated that the company is not going to do well in time to come or they declare losses in earnings, then its stocks will automatically go down. It is definitely necessary to evaluate how a company has performed in the past. However, to make correct stock investments, it is more important for the individuals to analyze how the company is expected to perform in the future. Remember that the past of a company can always motivate it to do the same in future too but there is no guarantee that the company will continue to make profits in time to come.
  • Economy: the current economy of the country, as well as the whole world, also influences the performance of the stock market. Whenever there is the healthy economy and the countries seem to prosper, it is very likely that the stock markets will boom and the prices will go high. Similarly, if the economy is dropping, this indicated that the companies are not making adequate earnings and individuals are losing their jobs. This will automatically bring down the values of stocks.
  • Industry health: The present health and condition of the particular industry in which the company is performing also decides the stock prices. If the industry is growing and it is expected for the companies to make great profits currently, then the stock values will deficiently rise.

If you too are planning to float your money in the stock market, analyze all these factors to understand if this is the right time for you to make the investment or not.

Basic Learning About Cryptocurrency


The medium of exchange that is digital like bitcoin, litecoin, ether, etc is known as cryptocurrencies or digital currencies. It uses the cryptography to ensure the data integrity and security of funds is maintained. For instance, these currencies can be used to conduct business online or purchase goods. The main feature of this currency is that it is not controlled, backed or issued by any central authority or bank. They are not subjected to conventional regulations of the financial sector.

The workings of the cryptocurrencies

The transferring of digital currencies is quite similar to sending the emails. In order to receive an email, you need to first create the email address and you share them with others. If you need to send email, you should know both the password and the address. The password is only known to you and you never share it with others. Likewise, in order to receive the digital currencies, you will be assigned an address which is also known a public key. It can be shared with everyone. Whenever you receive the address, you will immediately receive the password which is known as a private key. This private key is needed to send the digital currencies to others and you don’t share this key with anyone else.

The main features of digital currencies

In the case of digit currencies, you cannot choose the private and public key but they are assigned to the user. The key consists of strings of numbers and letters. With the help of an algorithm, the keys are linked with each other.

While setting up the private key and public key, the user does not have to disclose any personal information.

Records of the digital currency transactions are not stored on a particular central server but it is publicly distributed across thousands of computers across the globe. The records of the transactions are called a blockchain. It is kind of a distributed ledger. Hence, tampering with the data is quite difficult as it is very tough to maintain duplicate records on all the multiple systems.

There are cryptocurrency miners who validate these recorded transactions by solving complex mathematical problems. Anyone can be a miner if he owns a computer with an internet connection. Miner will be paid fees and at some time receive awards. The awards are given to encourage the people to participate in the mining activity.

How to purchase cryptocurrencies

The cryptocurrencies can buy through trading platforms available online which is known as cryptocurrency exchanges. It allows the users to sell, buy or exchange these currencies with regular money or other cryptocurrencies. These trading platforms operate from around the globe. The same currency might trade at a different price on other platforms. There are few organizations which offer the digital currencies for sale through a physical kiosk. Here you can insert the regular cash and in exchange, you will receive the cryptocurrency. However, before you purchase them, do understand about the fees that are charged for the transaction.

A Complete Solution To Your Open-Source Software Requirements

Fintech or Financial Technology is making waves all over. With internet users conquering over the regular offline customers in every business, merchants and producers are finding it competitive to include this innovation in their business. Many business start-ups in the new technological era are completely based on this software and you can easily incorporate this software into your current running business.

Be a customer of our Blockchain Technology

The latest blockchain technology is within your reach now. It is packed with versatility, making it suitable for any kind of start-up venture. Now, if you are planning to start a business of your own, think less about keeping staff for maintenance and record-keeping. Instead, focus on a server, run our blockchain technology, sit back and enjoy the show.

If you think this is too complicated for you, have a brief read of our instruction manual and you can understand the transparency and power with which the software handles your business.

The software comes with an inbuilt malware protection system, making any data in it duly protected from breech and hackers.

The open Data Bank is now at your ‘netstep’

Open banking has almost become a household name in the IT-ruled world now. What if this retail banking is coupled with open banking software for your other ventures? Our software has made its mark in the trusted books of financial firms and many public sector banks. The software has a simpler and smaller version now, like a ready-to-use capsule for small start-ups and even a one-man army to grow and prosper.

We have only one requirement for using our software; a computer with a reliable internet connection.

If you are finding it difficult to manage your business operations, apply our new technology and automatically witness the growth of the ideas nurturing in your brain. The software is highly versatile to be used in any kind of online startup, like real estate firms, travel agencies, hotel bookings and stays, travel planners and food stores.

The open system allows your customers to exactly know where their money is being directed and how you are giving your services. Do not worry about the credibility of your business, for the more efficient the transparent system is, the more approved your customer will feel. The customer can rightly reach the goods and services category suiting their demands, budget, and preference in a single registration.

5 Mistakes To Turn Your Backs On While Trading

Trading and gambling are very much similar because the outcome from both is not predictable. It always depends a lot on your luck. However, this should not keep you away from trying your hand in both, at least not in trading.

What you can do otherwise is that you can find out ways by which you can minimize your losses and maximize your wins. Hence, the best way to achieve this in trading is by not committing certain mistakes. In other words, you can avert disastrous moves by identifying certain red lights in the game.

Here are 5 common mistakes that many traders, even the experienced ones commit. Watch out for these and avert trade losses.

  1. When you begin trading, never try fancy or inconsistent strategies such as trading from OTM (Out-Of-The-Money) calls. Go for simpler and easier strategies that will help you earn money consistently.

  2. Additionally, do not stick to one particular strategy in different trading environments just because you are comfortable with it. Trading strategies must be tweaked and altered from time to time based on the market conditions that you engage in.

  3. Talk to any financial expert and they will all have one thing in common to say and that is to plan your exit strategy. It is necessary that you develop a definitive and clear exit plan before you even begin trading so as to ensure that you make the right calls at the right time.

  4. Another common mistake that people tend to make, even the professionals, is that they delve into the past and let their emotions override their actions. One example is that traders tend to hurry and make a rash decision when they foresee a wrong move rather than trying to avert the loss. Another classic example is that traders tend to wait for long periods before they can buy back trade options. Hence, the key to success lies in thinking rationally and doing what is right at that particular moment.

  5. Other less common mistakes include being unaware of trade options in cases of early trade assignments, not using the trade index options wisely in cases of neutral trades, and trying to extract the maximum even from the last penny before calling it quits. These are all moves that act against the common trading strategies that you will need to prevent in order to cut down on your losses.

Therefore, ensure to keep away from these common mistakes and rest assured you could minimize your trade losses.

Analyzing the types of Inflation

The rise or increase in the price of goods and services in an economy and its effect on the cost and standard of living of its people can be termed as inflation. To understand this concept and to take measures to manage it certain factors need to be considered. The cause of inflation needs to be assessed and the effect of it should be forecasted so that some preventive measures can be taken.

The types of inflation should be understood so that each of it can be handled specifically. There is a broad categorization of inflation which is creeping inflation, walking inflation, galloping inflation and hyperinflation. But experts classify generally into two types called as demand-pull inflation and cost-push inflation. Understanding of the types and the causes are very crucial to lead a peaceful status in the society.

Taking a closer look at the types:

  1. Creeping Inflation: as the name suggests this is a slow paced inflation, which is estimated at an approximate of 3 percentages or less per year. This is beneficial to the economy because it helps the common man also to understand when the price may increase and it helps to manage according to their standard of living. The effect of this is that it boosts up demand for the products as people will buy more to stock up the products for future.
  2. Walking Inflation: this is the type of inflation which is ranging between 3 percent and 10 percent in a year. This is dangerous as it as it will boost the economic growth at a quicker rate. This will have heavier demand for goods as people buy more now. The result happens to hit the common people when necessary goods reach a high price which is unusual.
  3. Galloping Inflation: this is an absolute havoc creating the type of inflation. The percentage of increase will be more than 10 percent. Money value increases very fast that the business people can’t keep up with the increase in the prices.Foreign investors avoid investments at such times.the economy loses stability at such times.Always galloping inflation must be prevented for the economic safety.
  4. Hyperinflation: this is skyrocketing inflation when it reaches a value of above 50 percent increase in a month. This is unusual and happens very rarely as the economy cannot be balanced at such times. Especially during civil wars, such type of inflation occurs.

A detailed knowledge and research should be undertaken so that the common people are aware of what may occur with economic changes like inflation.

Accounting Aspects of Crypto Currency


As we float in virtual space ever more than before, there is no way to go away from the humdrum of virtual currency, braving the cyber world which humans will in course of time accept and move on, now in midst of all the cryptic codes which was a while ago only in good read fiction books of famous writer, has now become reality and the famous cryptocurrency bitcoin is all based on cryptography as it is highly secured, and cannot be counterfeited.

Any transaction taking place has to be accountable somewhere in your mind, books and in case of an organization, in your balance sheets, how Do I account for the new virtual transaction? The accounting fraternities are up to handle the accounting for the new set of challenging transactions digitally.

What are Bitcoins?

Publically available digital money which is created by Miners: who with the use of very high power computer networks and complex mathematical permutation have created the currency which has a string of cash or equivalent value. In the United States, they are highly regulated and are monitored keenly owning to the involvement of black money pumped into the system and crashing the exchanges worldwide. The bitcoins move from the online mobile wallet which is either stored in the computer, cloud or the storage space in the mobile phones and are valued higher than gold and physical; money with the price of 1 bitcoin touching as high as $ 2000.

How to account for?

For tax purposes and Federal law, certain guidelines are in place, which may seem confusing to account for at first; however, once it falls in the radar is accounted and considered as:

  • the market value is always considered for the cryptocurrency and, is a taxable income when it is used as a mode of payment for goods and services
  • there is no gain or loss in the currency as it is done in traditional physical money
  • the fair market value of the cryptocurrency arrives at the date when it is acquired in terms of US dollar value in the exchanges
  • Bitcoins are treated as income in the 1120 Form and all the expenses incurred during the financial year are deducted to arrive at a taxable income, all the regulatory compliance has to be compiled and adhered to while treating them as income
  • virtual loss can be incurred when the bitcoins are purchased at a very high rate during the peak markets, which cannot be considered for taxation purposes,
  • The value at which the cryptocurrency is received and the spent could be different which is recorded as a gain or loss.

The receivables part in the cryptocurrency world has to be clearly sorted to avoid recording the transactions and keep track of the dual accounting impacts on the set of transactions.

Market fluctuations and its impact



Stock market fluctuation has a deep impact:

If you were to ask ten people if they could tell the first word that came to their mind when they hear the stock market, I am too sure that the majority of them will say “fluctuations”. The word is synonymous with the market almost as much as school is with discipline.

The fluctuations can be rapid:

The stock prices keep fluctuating throughout the day increasing and decreasing. Sometimes, the fluctuations are so rapid that it is unbelievable that so much change can happen in so short a time as a day in the market.

Have you ever wondered why the stock market is subject to so many changes and that also so quickly? Why is it that some stocks go up in prices of some come crashing down? Do you know if there is any reason for such volatility in the markets?

In order to understand and appreciate the fluctuations and the impact that it has on individuals, small companies, big corporate and society at large, we must, first of all, have a clear understanding about the working of the stock market. We shall present the facts in pointers. Some of the facts are probably overly simplified but it is important that even the layman understands and that is why the language is kept nontechnical.

  1. Behind the primary stock market, there is also a secondary stock market where the buyers and sellers are actually like bidders in an auction.
  2. On any given trading day, there are buyers and sellers who are ready to buy or sell their stocks;
  3. The buyers and traders could be anyone like individuals, companies, institutions, mutual fund etc.
  4. Whenever there is excess buying than selling the prices skyrocket and people tend to start selling their holding;
  5. The vice versa is true when there is a decrease in demand the prices fall and that is when the people rush in to buy stocks in large numbers if they think that the company will perform well;
  6. The fluctuations as such are a result of a demand-supply curve just like any other economic process.


The effect of such fluctuation on the economy is widely felt. Even small changes in the economic, political or the social fabric of the countries or in the world economy can have a lasting impact on the market and subsequently on businesses. When the stock market performs well, the people get on to buying spree but when it is bearish and the prices of the stock start falling, people start pulling back their money and start saving instead of spending.


The flush or the pullback of money in the economy is what are the first and perhaps the most significant impact of the fluctuations on small businesses. The manufacturing and the trading sector may see a boost in sales during the bullish times and a lull during the bearish time.

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A little about us first!

Hi, I am Shauna. My daughter and I run a home-baking business. Elisa, my daughter was diagnosed with mild cerebral palsy and partial Down’s syndrome and I was worried sick what she would do after I was gone. So, I left my fledgling law practice to be able to help her set up something so that she is not just confident in life but is also economically independent.

You see being financially independent is the crux of living with dignity:

Very early on in life, I had learned that there is no dignity that you can catch on to apart from the one that you get when you earn your own bread and that philosophy has stayed. Elisa had to be made confident and when I realized that she was a natural baker it was easy to mold her passion with entrepreneurial skills.

And she was doing great!

Elisa had the eye of an expert and she could churn out wonderful recipes. She was hardworking and passionate about succeeding. However, we had to find a source to start funding our business. We were looking at expanding our bakes and cakes repertoire and we were planning on a logo for the business and cards and packaging and looking out to create a distribution chain for the products that we churned out.

And we bumped on to PayPal working capital:

Since we used the social media to spread the good word about our business, a lot of our customers were from out of the area that preferred to pay us for our goods and services online.

When we were scouring the internet for a little help on our working capital, PayPal came out with this brilliant idea of funding small businesses like us who do business via their payment platform. This was nothing short of our prayers being answered.

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Embrace CSR And See Your Business Grow

Corporate social responsibility is not just a fad but it actually has much more to it than can be seen on the outside. Businesses want to be relevant, get customer trust and at the same time make profits and for them, CSR is a great way to go about the objectives.

There are some key reasons why CSR should be taken up by companies.

  • Engaging in CSR activities means a good word about the organization – When the company does something for its customers or for its stakeholders then this helps to instill trust and confidence. It also helps the company grow and see long-term success.CSR is important for your brand because it makes it popular. This is true and you gain popularity not just in front of the media but also with your customers. And is not this needed for your business to prosper and grow? When consumers have a positive feel for a particular brand they stick to it. However, make sure that you do an activity not because you see profits hidden somewhere. Do it for a social cause and profits will follow.
  • A company could engage in a CSR activity to protect the environment. And how does it help the company finances? It helps the company to save on costs. By installing meters that let the company calculate the wastage cost it not only lets it contribute to the environment but at the same time lets the company cut down on the expenses.
  • CSR activities keep employees happy – Doing and actively participating in the CSR activities make the employees feel worthy and they also start having a bond with the company. It instills team building and working towards an initiative together. This also helps to create loyalty towards the company and they start respecting the company more. This leads to lower attrition and better productivity which in turn improves the employee performance. And this is definitely needed for any corporate to grow.

These are some of the reasons why a company should engage in corporate social responsibility activities. In reality, most companies do not like the idea of engaging in social causes but history shows that companies who have embraced CSR end up doing better.

CSR is not a way to solve all the problems in the world but it is definitely a good start to engage employees in thinking about the social cause.


Popular Types Of Mutual Funds

A Mutual Fund is a popular investment choice that pools the money from various investors to invest in the diversified assets. The associated investors also have the liberty of enjoying the professional assistance, in where the dedicated portfolio manager, takes care of the investment actions on behalf of these investors in such a way as to offer the needed benefits to them. That is why the mutual funds are still favored by the people, especially the following 5 popular varieties of them.

Fixed Income Funds

As the name implies, these funds buy such investment types that offer a fixed rate of return, such as like the government bonds and the high-yield corporate bonds. The idea is to offer a steady cash flow, which means the investors associated are conservative ones, who wish to stay from annoying risks. This mutual fund type is also suitable for retired people, as they could enjoy some fixed amount without much complications and tensions.

Equity Funds

One of the popular choices preferred by the investors, where the associated funds concentrate on the stocks. Unlike the fixed income fund that offers, a slow, yet, steady benefit, the equity funds are capable of offering some quick results that can also be comparatively larger in value but, not without including higher risks! Again here, you have so many choices to choose from such as, growth stocks, income stocks(stocks that pay dividends), large-cap stocks, mid-cap stocks and so on.

Money Market Mutual Funds

If you are an investor, who prefers to play safe rather playing profitably then, this is the right choice of mutual fund investment for you, undoubtedly! Usually fixed income short-term securities such as the government bonds and certificates of deposit are the choices of investments, which means without having to worry about the risks you can enjoy a decent amount of benefit more than what you could gain from your regular savings account, satisfactorily!

Index funds

These funds aim to replicate the performances of a specific market index and therefore, according to the value of the index the value of the mutual funds also fluctuates. The benefits of choosing this mutual fund type are lower operating costs, broader market exposure, and, less complicated.

Balanced Funds

As the name implies, when you choose these funds as your investment choice, you can enjoy a balanced mixture of output, which means without compromising your safety you can enjoy better returns. They do this by investing in the portfolio of both equities and fixed income funds, where the aggressive balanced funds hold more equities than the fixed income ones and the conservative funds, the opposite!

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