So, Why Wouldn't You Try Make Us an Offer?

Just supposing that you were to go to a shop and choose an item which you wanted to buy and the only price on the item was a ‘typical’ retail price of say, $10, the price you might expect this item to be in any other shop.

Now, imagine you were to take the item to the cashier and they said to you, “How much do you want to offer for this?” At first, you would be surprised but, having confirmed that you could make an offer for this item, you replied $5. Suppose the assistant then checked the cash register and told you that was fine, the offer was accepted and $5 was all you had to pay for the item.  

Healthy Hobbies and How To Get Started

 Hobbies are similar to habits. A hobby is a regular activity performed for enjoyment; a habit is a frequent action or behavior acquired through repetition. The main difference is that you carry out a hobby consciously, whereas a habit is often a subconscious act.

Many people try to quit unhealthy habits, and a great way to do this is to replace them with productive hobbies that will benefit your health and state of mind. Think about it – you could replace the time you spend unconsciously on a habit with a conscious activity you enjoy.

This guide is here to inspire you to take up healthier hobbies.

7 Alternative Investments To Stocks

 

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Got some money to invest, but looking for an alternative option to the stock market? Here are 7 alternative investment options to stocks.

Forex trading

Forex trading involves trading real-world currencies. By buying a currency that is rising in value and then converting it back, it’s possible to make a big return. When getting involved in forex trading, it’s important to use a reliable broker. Forex trading can come with its risks and involves a lot of research into currencies. 

Cryptocurrency

Crypto trading is similar to forex trading but with digital currencies such as Bitcoin, Ethereum and Ripple. These currencies similarly rise and fall in value, making it possible to buy a currency that is rising in value and make a profit. There are lots of different crypto exchanges online that you can use for trading crypto. Cryptocurrency is more volatile than forex - you have the potential to make much bigger returns, but also much bigger losses. 

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Precious metals

Precious metals such as gold and silver are a good investment for people that want the security of investing in something physical. You can buy precious metal in the form of coins, bullions, bars or even jewelry. You can find exchanges for trading precious metals at sites such as gsiexchange.com/. While prices can fluctuate from year to year, precious metals tend to be a secure long-term investment

Real estate

Real estate is a popular investment - although it tends to require investing a lot of cash upfront. It includes residential buildings such as houses and apartments and commercial buildings. A lot of people make a return from real estate by buying property and renting it out to tenants or businesses. Another option is to buy a cheap property, make improvements and then sell it for a higher value (such an investment strategy is often known as ‘property flipping’). Real estate is a very hands-on investment and it does come with its risks; however, it’s easier to make a larger return.

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Collectibles

Some items are able to increase in value over time as a result of becoming trendy and rare. These are known as collectibles - they include the likes of art, vinyl, classic cars, old coins and limited edition toys. To maintain their value, collectibles need to be kept in good condition. Like fixing up real estate, it’s possible to add value to some collectibles by restoring them (such as classic cars and art). Not all collectibles will increase in value, so there can be risks involved. 

Peer-to-peer lending

Peer-to-peer lending involves giving money to others as loans over the internet. The person borrowing the money then pays it back with interest. This is usually done through a secure peer-to-peer lending platform which takes a share of the profits while ensuring that the person borrowing pays back the full amount. Some of the best peer-to-peer lending sites are compared here at investopedia.com. 

Savers and bonds

Savings accounts and bonds are the most secure form of investment - but also likely to make you the lowest return. Banks offer savings accounts, while bonds are offered by the government or companies (these are loans that are similar to peer-to-peer lending, but with added security). By shopping around, you can find the best rates.

Coping with Chronic Pain

 If you are someone who suffers from chronic pain, then you will be well aware that it is no picnic. It can be hard to get through each day or even to do some normal things, just because of how you feel and how much the pain is. It will be something that you face each day and learn to manage each day. For someone new to experiencing chronic pain, such as a recent arthritis sufferer, then you will need to learn some habits and coping skills that chronic pain sufferers have learned to deal with. Here are some of the coping skills that can help you to get through life, whether you use medication or not.

A 4-Point Safety Checklist for your New Home

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There are plenty of good reasons for moving home, whether because you need more space for a growing family or you need to move to be closer to work, school, or your family. But moving is not as simple as shipping your life from one house to another. You should also remember the safety aspects. Even the safest cities, towns, and neighborhoods have the risk of crime if you're not careful. So, if you’ve just moved into a new property, here is a four-point safety checklist to help you settle in comfortably.