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Morris Esformes – an overview

Morris Esformes – an overview

People who are highly interested in finance and people who want to set their career in finance must know about Morris Esformes. Even though he is a student he has more experience in financing. This article is a dedication for the people who are interested in knowing about Morris.

Financial skills

It can be said that the financial skills of Morris is more interesting and outstanding than they sound to be. He has studied various courses in order to develop his knowledge over financing. His financial modeling skills have also been appreciated by many financial legends all over the world. Even though he has reached heights in financing, he is still in the process of studying in order to make more innovations in financing. One of the most unique skills about him is he can thinking in the perspective of entrepreneur and investor. This is the reason why his financial suggestions are outstanding than other financial solutions.


Even though he is seriously engaged in this research, he is not lesser in his studies. He has made various achievements in his academy and he is also planning to get graduated with higher honor. It can be said that he is an all rounder in his studies. The university is also very pride to have an intellectual student like him. He has also received many honors and appreciation from the University for Various Research. This is the reason why he is also quite famous around the university. People who want to know more about his studies can feel free to refer his blog. He has clearly mentioned about his grades and other factors related to his education. This will also be a great inspiration for the people who are about to set their career or studies in financing.

Looking for a hire in financing

Social activist

As we all know, he will be quite busy with various responsibilities throughout the day. But in spite of his busy schedule, he spent some time for the welfare of the world. Especially he is a social activist who is very must attentive about ocean cleaning. He has also participated in various campaigns and has also raised many social awareness programs which add to his credit to a greater extent. The details about his social awareness programs can also be gathered from his official blog.

How to contact?

Any people who want a better discussion or suggestion over finance can feel free to approach him. To reveal the fact, many people from different parts of the world are coming into contact with him in order to get a best financial solution. He can be contacted through his social media profiles in Facebook, Twitter, LinkedIn, Instagram and Pinterest.

Why You Should Trade Binary Options on Iq Option

Why You Should Trade Binary Options on Iq Option

There are many platforms where you can trade binary options. As expected, many of them claim to be the best, but studies have shown that many are far from being reliable. Many of them may have dubious terms and conditions that can put you at a disadvantage. Some other ones may have very poor history and rating that should automatically disqualify them from patronage. The case is completely different with iq options. This is about the best binary options platform you can ever come by. IQOption login process is also easy. This platform has a lot of things going for it and we will consider some of those very important points that make this binary trading platform one of the best to patronize out there. Continue reading not find out about those features that make this platform one of the best places to trade binary options.

Navigable platform

Aside from the easy iqoption login, the platform is very easy to navigate and highly attractive. This is one of the unique features that make iqoptions one of the best platforms to start trading binary options. There is something about this platform that makes binary options trading very interesting and entertaining. You will feel like you are part of the entire process from the beginning due to the engrossing nature of the platform. The platform is easy to navigate and everything you need to make a trading decision is just a tap of the finger away.  Even if you are a complete newbie in binary options trading, you can easily understand the platform without anyone showing you what to do.

The platform is also designed to carry you along. For example, you will be shown the results of other traders on a particular currency pair at the expiration of your trade on that particular currency pair.

Trade Binary Options on Iq Option

Easy to download app

One other thing that makes iq options one of the best places to trade binary options is the easy-to-download app. The app can be downloaded both on your mobile device and your PC. The mobile app ensures that you can monitor your trades and also make trading decisions everywhere you go if your computer is not there.  The PC version of the app is faster than the web trading platform and those who reside in an area where there is poor internet connection can make quick trading decisions without internet hindrance by using poor internet.  The trading app will also not take much space on your mobile device or PC.

Unique customer services

The customer service link is also on the trading platform. As a result, you will never have to close the trading app before you can get in touch with the customer care agents. The iqoption login is also easy on the platform. There is no better way to start having fun and also making money via binary options than on iq options.

How to Choose a Commercial Platform

How to Choose a Commercial Platform

One of the most important choices that a new trader will choose is to choose a broker, and the broker’s trading platform is an important part of this choice. Here are some considerations when choosing a trading platform like that of IQ option:


To trade you must deposit and withdraw cash. If your agent does not offer a secure and encrypted platform, this may jeopardize your banking information. Look for information on how the provider encrypts your information, as well as information on how you can transfer money.

The trust

How does a commercial platform work under pressure? It does not make sense to use a trading platform that fails with an increase in the number of transactions, since at this time you would also like to negotiate.




How sensitive is the platform? If you are a short-term trader looking for quick profits, it is important that you can quickly enter and exit positions. Even if you hold positions longer, speed is still important, because you can lose the desired price if the market moves fast.


How much does a trading platform cost? Most online trading platforms are free. However, if you need to pay a commission, ask what additional benefits you will get for paying the platform and how it compares to free platforms offered by other suppliers.

Customer service 

It is a good idea to see if the brokerage provider provides customer support for the trading platform, as some only want to open an account. The good provider will have a customer support phone number or email information on their website, and you may have frequently asked questions or a referral portal where you can read frequently asked questions about the trading platform.


Is the trading platform simple, easy to use and customizable according to the needs of your business? Is it compatible with Mac or iPhone?

Other considerations

Some commercial platforms may include additional features, such as business opportunity alerts, graphics packages, and market research.

If you are making transactions from a graphic, check to see if you can access them from your mobile phone, whether they correspond to online functionality and whether they are easy to navigate. Can they be customized according to your needs? And can you trade directly from the charts, or do you have to close or open another window first?

Regardless of how much you have read and how many times you have contacted the support service with your questions, it is difficult to determine how well the commercial platform will serve you before trying. Many brokers offer free demo accounts with some or all of the features of their live platform, and these IQ Options platforms can be a great way to not only compare platforms and suppliers, but also test trading strategies.

Know And Value Your Coins

Know And Value Your Coins

Gold and silver are one of history’s most seasoned types of money.

Gold and Silver Coins Appraisal Online

Turning to experts of numismatics on the internet by using the free online coin valuation service is the best and fastest way to sell your collectible coins. It permits moment evaluation of your currency accumulation while additionally giving help with selling your coins in any nation everywhere throughout the world. This is the most essential thing about selling and buying coins for the coin appraisal. What the company offer for free is an evaluation of your gold and silver coins as indicated by the world’s most astounding standards. The company assesses the market cost of your coin depending upon its condition. An experienced specialist, a professional expert in the evaluation of coins, can make a precise coin valuation by photograph and give solid information about how important it truly is.

best prices for gold and silver coins

What are the Best Things to do When Selling Coins Online

If you are planning to sell gold and silver coins online, here are a few things to do for getting the best prices for gold and silver coins:

  • Take a good picture – post a clearer picture for more appealing and easy to evaluate your coin will be to prospective buyers.
  • Determine coin weight and value – determine AGW if you are planning to sell gold coins in order to determine a minimum base price.
  • Shop around – do not take the offer of any dealer’s until you have collected several different offers to choose from.

Sell your silver and gold coins with confidence once you understand the coin values and align yourself with the best coin dealers who will pay the highest price.

Online Appraisal of Gold Coin

You can miss some flaws that will make the results of your valuation useless or you risk ignoring the strengths of the numismatics item when you try to evaluate the coin on your own. To make coin appraisal possible, professionals must have the appropriate equipment, comparing their conformity with the valuation of numismatists, and the experience of assessing thousands of products. It is simple enough to begin on your coin appraisal with the assistance of the administrations and get the following:

  • Online expert,
  • Gold coins appraisal,
  • Appraisal of gold coins,
  • Online valuations and much more.

Numismatists who are searching for the “coin appraisal near me” alternative might be particularly intrigued by online value assessment inside the given administration. Now and again the quickest and the most ideal approach to get coins esteemed is to utilize an online coin shop, however not the pawn shops or other old fashioned stores. With the assistance of the company organization, it will be simpler to get coins assessed close you. You can even make a subjective and fundamental valuation of the age of a coin and its material. Keep in mind that the utilization of your own accuracy hardware does not ensure 100% unwavering quality as it is a non-proficient numismatic silver or gold coin evaluation online that likewise doesn’t give the quickest support or sell coins. Simply pick a genuine expert valuation administration immediately.

The advancements in payments and money transfers

The advancements in payments and money transfers

Payment and money transfer is an essential aspect of today’s world. Moreover, now with time, the number of options for payment and money transfer is increased. Money transfer is merely transferring money from one place to another. It can be done both physically and electronically.

When we talk about payments and money transfers, the one thing that comes to our mind is that it should be fast, secure and straightforward.

Different modes of payment:

The payment can be made in a number of ways. Either by giving cash, doing telegraphic transfer or mail transfer, via money order or postal order, bill of exchange, promissory note, bank draft, etc. Let’s have a brief overview of them:

Cash payment is one of the oldest modes of payment, where the buyer pays money in the form of cash in return the seller gives a receipt.

The businessman mostly prefers postal order as a more significant number of postal orders can be collected and encashed at the same time. It is a lot safer than a money order. However, this method is not popular among the traders.

The promissory note is an unconditional undertaking signed by the maker, to pay a certain amount of money to the bearer.

The cheque is available to every account holder in a bank. It is one of the convenient and safer modes of payment. The name of the beneficiary given in the cheque avoids mishandling of checks.

Bank drafts are mostly used for transferring funds from one place to another within or outside a country. It is almost similar to the cheque, but a banker instead of the payer signs it.

Advancements in e-commerce:

With the advancement in technologies, the payment methods are also changing. Today you don’t need to take long bank lines for payment, as payment becomes just a click away.  It becomes faster than manual payments. This results in improved cash flow and also saves a lot of valuable time.

Money transfer:

Just like the payment process, in the modern technology world, transferring money by cash or cheque may seem absurd. In comparison to the advancements in the electronic payment process, the old methods have become less popular. However, that doesn’t mean that they are not available.

The speed of the transaction is one of the most significant advantages to money transfer. Where cheque may take a week or two to receive and get processed, a money transfer can be initiated instantly thus helping you avoid late charges or other fees that could result if you follow the old way.

It becomes even more flexible as bank account holders can easily set up different external accounts, and use them to transfer money back and forth. This makes it easy to move money around when necessary to make a significant purchase.

Payments and money transfers made through the wireless network via mobile devices are thought to provide more convenience and reduce the cost of trade. The mobile technology also made it easier for businesses to collect payments from their customers against purchases without handling cash. Also, the various organizations and payment platforms available are making it even more convenient to use.

5 Ways Bad Credit Hurts Your Budget and How to Fix It

5 Ways Bad Credit Hurts Your Budget and How to Fix It

Some people are skeptical about using credit and they consider it to be a problem. Credit can cause problems if not handled properly but there are lots of advantages to it too. Bad credit can hurt but you can fix it using techniques given over at this website.

  1. Jobs: bad credit can impact your earning potential as you may not get the job you deserve. This is because employers check the credit score of employees that they hire to check their character profile and reliability. Because of bad credit you may not be able to leave a bad job and start your own business. This is because you will not get loan for your new business and you can become locked in your bad financial position.
  2. Rates: most people take debts in the form of car loans, mortgages, credit card debt or student loans. The rate of interest for these debts matter a lot as this makes the payment expensive. If you have better credit score then you get lower interest rates. If you have bad credit then your interest rates are higher. This can put more pressure on your budget and you may end up taking more credit.
  3. Using credit cards: if you have good credit card then you can easily pay it off without having additional charges or interest levied. This is an amazing way to control your spending and remain in budget. If you have bad credit then you may not get a good credit card and it can lead to bad finance.
  4. Overdraft charges: if you do not have good credit then you cannot manage situations of financial constraints. If you do not have enough amount in your bank then you get penalty for low or over drafted bank balance.
  5. Deposits: bad credit restricts you from getting mortgage and so you must rent. If you want to rent then people will offer worse terms and will demand larger deposit amounts from you for renting. This can affect your budget adversely.

How to repair and improve your credit?

  1. Monitor your credit: keep your credit report accurate by adding all payments and settled debts. It will make sure that your credit is not having any identity fraud.
  2. Take small debts and use it wisely: plan your finance wisely and take a credit card with low limit. Use it for your necessities and pay it off on time to improve your score. Then you can take more credit at lower rates.
  3. Your loan must not exceed 50% of your credit available: borrowing more shows the lenders that you need money and so they offer higher rates and worse terms. The more you can prove that you do not need credit, the more easily you get it.
  4. Make sure to keep the old limes of credit open even if your balance is zero.

Use above steps to make sure that your credit score is improved.

6 Factors That Can Lead to a Personal Loan Application Rejection

6 Factors That Can Lead to a Personal Loan Application Rejection

Do you need a personal loan for expenses? Then you should definitely look for offers by top banks and NBFCs in your city. You can borrow anywhere between Rs. 1 lakh and Rs. 20 lakhs for a period of up to 5 years or lower. The loan amount can be utilized for any expenses. Many use it for wedding, education, big ticket purchases, home renovation, travel, medical emergency, etc.

However, there are some factors which influence the approval of the loan application. There are particular criteria and requirement, if not fulfilled, can cause rejection of the personal loan. If you wish to know more about personal loan, then click here for information.

Below given are factors which lead to rejection of personal loan application.

  1. Income and Age

Personal loans are usually granted to those who draw a regular monthly income, specifically salaried individuals. Such offers can be available for self-employed professionals as well like doctors, CAs, lawyers, etc. Minimum income required every month is generally Rs. 25,000. The salary should show as credited to your bank account.

Cash-in hand salary will not be acceptable. Income to debt ratio is also analyzed. Age of the applicant at the time of making the application has to be at least 21 or 23 years. If you do not fulfil the income and age criteria of the financial institution then the personal loan application will be rejected.

  1. A Bad Credit Score

Your credit score is the most critical factor in a personal loan’s approval. A good credit score of 700+ will make for instant loan approval, as it depicts your sound financial behaviour. Any credit score lower than this may result in rejection of the loan. Even if you do get your loan approved on a low credit score, the rate of interest would be very high. Thus, it is best to maintain a strong credit score when applying for a personal loan.

  1. Loan for a Speculative Purpose

Financial institutions may not approve the loan application, if you plan to use the funds for any speculative purpose, such as an investment, or bidding, or an illicit activity. Though a personal loan can be utilized for endless expenses, these two purposes as given above, will not be acceptable by the lender.

  1. Existing Debts

One of the major reasons of personal loan rejection is too many overdue. If you have ongoing loans, it is not necessarily cause disapproval of a new loan. However, if you do not pay the EMIs on time, it will affect your chances of getting another loan. Moreover, too much financial liability shows over-dependency on credit. Thus, carry loans as less as possible if you plan to apply for a personal loan.

  1. Incomplete Documentation

Every bank requires submission of all necessary documents with duly filled application form to process the loan application. If you do not have the required documents for personal loan, the funds will not be disbursed. You will require identity proof, address proof, recent passport-sized photographs, income proof, bank statement, proof of income tax return, salary slip etc.

  1. Bad Relationship with the Financial Institution

Your past relationship with a bank/NBFC will certainly have a say on the personal loan application approval. A good relationship with the institution will simplify the way to loan approval, and vice-versa. Bad relationship may account as you being a defaulter at a loan taken from the same bank/NBFC, or fraud, or known to submit improper documents etc.

Take your financial decisions wisely by examining your current financial position. Can you afford repayments? How much is your existing liability? Will you be able to meet your daily expenses after arranging repayment for a new loan? All these questions must be answered. Also, keep the above-mentioned factors for personal loan rejection in mind, to sail through the application process with ease.

What To Get From A Finance Home Loan?

What To Get From A Finance Home Loan?

Do you have a problem with how you are able to own the house that you have been dreaming of? Do you find it difficult to own because of its high price? Do you lose hope because you are thinking that you will never get that property until you get old? Well, you don’t have to think that way. You are still kicking, and everything that happens in this world has ways to face it. Let us accept the fact that not all of us has the capability to build a house in an instant. Not all of us has a wealthy life. Thus, we need to spend lots of time to work hard just to save money. However, the problem is, how can we save money is we are facing a financial crisis? How do we deal with this kind of economic situation without worrying about the money we earned. You might end up saving nothing. Almost all in the market are on price heights. How much more on building a house?

The solution to your long-time problem

Indeed, owning a home is actually a long-time problem. If you have been working for a long time, but still the money you saved is still not enough. How can you buy a house now? Good thing, offers a mortgage for all the people who want to buy a house. Either you are buying a first home or second home, you can still avail the loan.


The Federal Housing Administration offers a big favor to those who can’t avail buying a house in cash. Now, you can file for a credit loan, and transform it into a house. What would it take to have an own home? You would surely be proud. Now, there is no reason for you to have wrinkles even at your younger age. Always remember that only old-aged people who got this. If you are still young and possible to have the wrinkles on your forehead because of stressing yourself too much. Then, this is not good.

Only Federal Housing Administration can help you

You may believe it or not, but FHA can help you with the problem. If you have been thinking of how you are going to build a home, then here you are now. You can go for this type of loan. It is a mortgage offers to those interested home buyers. Now, if you are one of those planning of getting a home for you or for your family, then this is it! You may enjoy its low down payment offered. Now, there is nothing you can find from any other credit out there offering their services. The house that you have been dreaming of is now at your hands. You can file for a home loan amount of $200. Can you see the difference? Also, you can have a less monthly payment. Now, you can work and live too easy with the very low monthly payment while you are owning the house. You will never feel the burden of a credit anyway.

Tips for Finding Best Mortgage Lenders

Tips for Finding Best Mortgage Lenders

To get the jump-start on finding the mortgage loan process use the below tips which can help you in getting the best lender.

Get your credit score in shape

Not everyone would qualify to buy the home; there are specific criteria for credit and income. If you meet these criteria, then you can assure the mortgage companies that you can pay the loan.

Low credit score signals that the lending is at risk. This also means that there would be a higher interest rate on your home loan. The higher your credit score more on-time payments you will make. The more power you would have for negotiation better rates you will be able to get from the potential lenders. Generally, if you have the score under 580, then you will have a tough time in qualifying for the most types of mortgages.

For building your credit score, you have to make sure that the credit reports are accurate and free from all the errors. You can get your reports to form the major credit bureaus like Experian, Equifax, and TransUnion. Each of them is required to provide you with the free copy of your credit report once in every 12 months. They are also considered as the best mortgage broker.

Next, try to pay off all your high-interest debts and lower the overall level of debt as quickly as possible. When you are reducing your debt, then you will improve the debt-to-income ratio. Paying off the credit cards and the recurring loans before buying the home will also free up more money for the down payments.

Get Your Free Credit Score

The benefits of knowing your credit score will be helping you as below:

  • It will open many doors for financial goals.
  • It will enable you to set the goals and see the progress.
  • Signing up to, this website will not affect your score.

mortgage broker

Knowledge of lending landscape

It is tough to decide about the best mortgage lenders in this crowded field. Here we have given the most common types of lenders.

Credit Unions

These members are owning the financial institutions and very often they are offering favorable interest rates to their shareholders.

Mortgage Banker

Bankers who are working specifically for the specific financial institution and the package loans are considered as the underwriters for banks.

Correspondent Lenders

Correspondent lenders are often the local mortgage loan companies who are having the resource to make the loan. They are relying on the pipeline instead of other lenders like Chase and Wells Fargo. They are selling the loans to them immediately.

Savings and Loans

S&Ls are very hard to find nowadays. They are the bedrock of home lending. However, these smaller financial institutions are very often community oriented and worth of seeking out.

How to Get a loan Instantly?

How to Get a loan Instantly?

Wondering, how can I get a loan? Well, we all need money. For one thing or the other. And some times, situations arise where our savings could not even meet our needs and requirements. Perhaps you are planning to get a flat, or renovate it, or stuck in multiple debts with multiple and confusing interest rates. Or it could just be for any reason. As much as money is the root of all evils, we cannot really live without it. And it does help us in a lot of ways that is uncountable.  And we all need money, from smallest to biggest.

If you’re wondering to yourself, how can I get loan, then you shall not worry but calm down. You can always take the help of the Internet to find out which companies or bank provides loan to customers. Most loan agreement requires one to submit various documents, financial record and so on. Just like you won’t be willing to hand over large sum of money, not just to strangers but even to some friends, these loan companies need their customers’ details regarding documents like debit or credit card statement and so on. The company needs to cross check the person’s financial history before the loan is being hand over, with interest rates.  Be careful to verify and go through the annual interest rates and various policies that the company follows. Choosing a long duration to pay back your loan will simply increase the interest money. So, you need to be pragmatic and think through things carefully before you sign the deal.

Most companies and banks will ask you for various documents for verification. You might also need to make an estimate value for your belongings and property as well. The purpose of your application for the loan and the amount that you require has to be clear and properly laid out. You definitely won’t take a loan without any reasonable purpose. Also, make a plan for yourself regarding how much you are willing or can manage to repay every month. This will help you form a clearer idea on when your loan will be cleared. There are ample of people who took loans with no proper planning and ended up in a dead end, later on. And you clearly do not wish to lose anything  more than you’re willing to. And there is nothing better than being prepared well.

Well, for whatever reasons you are planning to take a loan, we hope you would choose the right debtor who will not pull any tricks on you and will help you solve all your financial problems.  And yes, be aware of frauds who will lead you into the wrong kind of deal. Andstay away from shark loans!