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China’s Impact on the Global Economy

China is one of the world’s largest economies. In fact, when measured by the quantity of goods and services produced, it is now the biggest economy. In 2016 it is expected to account for nearly 18% of world economic activity, according to the International Monetary Fund. When China’s economic growth slows down, or its currency is allowed to fall, it will have an effect on the foreign exchange market and other economies across the globe. This will, in turn, have an impact on forex traders, consumers, and businesses all over the world. Devaluing the Yuan Since August of 2015, China has allowed its currency to depreciate. Unlike many of the country’s trade partners, they have a managed currency policy, which means they can control the yuan’s daily movements through intervention in the forex market. For forex traders, China is critical when it comes to evaluating currency-trading opportunities. They must look at China’s economic data since any surprise will impact expectations surrounding the country’s exports and imports. It shows how important it is to be acutely aware of the markets when you work in this type of industry. While devaluing your currency to cushion your economy may not be anything new, ...

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7 Gadgets That Can Help You Save Money

gadgets

Gadgets can be addictive. For many people, snapping up the newest product and showing it off to friends and co-workers demonstrates their coolness. Gadgets can also be a source of “keeping up with the Joneses“. I’ve struggled with this personally in the past. But not all gadgets are a waste of money. Some gadgets may actually help you save time and money. Here are some of my favorite money saving gadgets. Tile Tile is a device that allows you to attach it to your keychain, purse, or whatever you sometimes misplace so you can find it again. If you are one of those people who constantly misplace your wallet, for instance, put one inside it and you will be able to locate it quickly with the app on your phone. These days, time is money, so the elimination of wasted time could save you some money at the same time. Rechargeable Batteries Investing in a battery charger and rechargeable batteries make sense if you are going through them often. You can pick one up for around $20, and a 4-pack of rechargeable AAA batteries at Walmart is around $9.  Since the disposable ones run about half the price of rechargeable batteries, ...

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A Reverse Mortgage Can Help in 4 Surprising Ways

As reverse mortgages move into the mainstream, many people are catching on to the fact that they can be used as an option for older homeowners to tap into their home equity for extra cash flow. Taken as a lump sum for home repairs, or as a monthly installment to help pay for day-to-day living expenses, reverse mortgages can help some people to improve their retirement picture. But there are also some surprising ways borrowers are using reverse mortgages. From divorce to delaying Social Security benefits and protecting retirement investments, some borrowers are getting very creative with their reverse mortgage strategies. Here are four surprising ways a reverse mortgage may be able to improve your retirement picture. In a divorce. There are a couple of ways that a reverse mortgage can help in the case of a divorce between people of the qualifying reverse mortgage age of 62. First, the reverse mortgage can be used by one spouse to keep the home, if he or she could not otherwise afford to maintain the monthly payments as a single person. Second, a reverse mortgage for purchase could be used by one or both of the spouses to purchase a new home. ...

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Eating Healthy Wherever You Go

If you made a resolution to eat healthier, the first place you make changes is likely to be your kitchen. You might’ve spent hours throwing out processed foods and products containing trans fatty acids and replacing them with healthier options in your kitchen cabinet. You may have stocked your fridge with a bouquet of fresh fruits and vegetables available whenever you feel hunger pangs. In this situation, it’s relatively easy to stick to your diet routine and avoid temptation. The real test, however, comes when you leave your home and travel someplace else. In unfamiliar territory, it may be challenging but not impossible to adhere to your healthy diet. Be Prepared The key to eating healthy when you travel is to do research ahead of time and to look for natural stores and healthy restaurants. It’s never been easier to eat out and stick to your diet because you can do a simple Google search on your handheld device and find an organic grocery store or a vegetarian café close to where you are. Just as you plan your itinerary and sightseeing schedule, you can also make time for shopping in natural supermarkets and stock up on healthy staples. Make ...

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Is Laser Hair Removal Worth the Money Spent?

laser hair removal

Unwanted body hair isn’t something that plagues everyone, but for those who have an excess, it is annoying and sometimes time consuming to be rid of it. Ask any woman what part of her beauty regimen she hates the most, and many times the answer will be shaving or waxing.  Of course there are a variety of ways to get rid of unwanted hair besides just shaving and waxing, like using hair removal products and creams, threading, and laser hair removal. But if you decide to “go under the laser” to remove your unwanted hair for good, is it worth the money spent? Here are some things to consider before you decide to try laser hair removal. Are You a Good Candidate? According to a variety of internet sources, fair skinned people with darker hair are the best candidates for laser hair removal treatments. It helps if they also have a high pain tolerance because it takes several treatments in the same area to effectively get rid of or reduce the unwanted hair in your chosen region. Costs The price of ridding yourself of unwanted hair can vary greatly depending on your choice of hair removal centers. Of course, the cost ...

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