Where Should You Go for a Loan?

The vast majority of people will need to obtain a loan at some point during their life. Buying a house or a car is usually too expensive of a purchase for most people to make in cash. Therefore, they get a loan for these purchases and pay it back in installments. You might find yourself in a situation where you need a loan for something. Maybe you need a second mortgage or additional money for a construction project you have planned. Whatever the case may be, you will need to be very selective when it comes to choosing a company to borrow money from. There are many lenders out there. However, they are all not created equal. There are many factors that you need to consider before you choose a lender. Here are just a few of the most crucial details that you need to include in your decision-making process.

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  1. What lenders have some of your friends and family members chosen to do business with in the past?

You should begin your search by getting the opinions of the people who you care about the most. Most people take out a loan to buy a car. Therefore, you should have many people who you will be able to get advice from on this subject. You should also not have a problem finding people who have a mortgage. What criteria did these people use to choose their lender? Are they getting an attractive interest rate? How long is the term of their loan? Have them give you as much info as they can about their particular lender. This info will come in handy when it is finally time for you to decide who your lender will be. Click here to find out about a company that offers a wide variety of loans.

  1. Go to many different lenders and compare the interest rates they will give to you.

It would definitely be advisable for you to shop around when you are looking for a lender. The various lending institutions will use many different factors to determine what your interest rate will be. Your credit score is only one factor. Therefore, you should not be under the assumption that all of the lenders will give you an interest rate that is basically the same. Set some time aside to reach out to various lenders and see what sort of interest rates they will give to you. Keep in mind that many lenders will be more than willing to negotiate their interest rate with you. They might lower it so that you will do business with them instead of their competitors.

  1. Scour the Internet for reviews of lenders.

You should find out what the general public has to say about many of the lenders that are out there. You can do this by reading the reviews that have been posted online by average people just like you. There are many sites that give people the chance to review the lenders they have dealt with in the past. These reviews will go into great detail about how the lender operates. You will be able to learn quite a bit from the experiences these people have had with their lenders. It will not cost you anything to do this research. You have nothing to lose and everything to gain by finding out as much as you can about every lender.

  1. Check with the Better Business Bureau to find out which lenders have the highest ratings.

The Better Business Bureau is an extremely valuable resource that you need to utilize when you are seeking a lender. They have many different lenders listed on their site. All of these lenders have been rated using very specific criteria to determine which ones are the most reputable. The Better Business Bureau has been a trusted source for information about companies. For many decades, they have provided millions of people with information that has helped them to avoid dishonest businesses. Their website is free to access. You should take the ratings that the lenders have received very seriously. Ideally, you should only do business with a lender that has an A+ rating.

Financial Implications in a Gray Divorce

According to Pew Research Center, divorce has fallen 21% since 1990 for couples between the ages of 25-39. During that same timeframe, divorce for couples between the ages of 40-49 has risen 14%. However, in a shocking twist, divorce in couples over the 50-year age bracket has doubled to a whopping 109%. This phenomenon called a “gray divorce” is prompted by baby boomers and leads to some serious late-life financial implications. But what are some of the most common financial pitfalls and how can your Michigan divorce attorney potentially help you survive your gray divorce?

Recovery Time Is Significantly Reduced

People who divorce earlier in life often have an easier time recovering and moving on financially. But after the age of 50 that post-divorce monetary loss can be incredibly difficult to recoup. Rather than looking forward to a relaxed retirement, suddenly divorcees find themselves at risk for entering poverty status. In fact, research shows that 27% of gray divorce women end up at the poverty level compared to 11% of their male counterparts.

Retirement Plans Become Your Primary Asset

Retirement plans are considered joint property in a marriage, so they’ll need to be divided during a Michigan divorce. Women tend to have longer and more costly retirement plans than men, but female baby boomers tend to earn and save less than their male spouses. Considering an estimated 22.3% of women over the age of 50 live alone compared to only 12.5 of men it’s no wonder more women end up struggling after their gray divorce. However, that upfront knowledge and ongoing advice from your Michigan divorce lawyer can help you strategize to live comfortably as a single senior.


Social Security Benefit Rules Come into Play


The courts don’t divide social security benefits like they divide marital assets. However, there are certain social security rules that can affect your post-divorce finances. If you’re at least 62 years old and your marriage has lasted a decade or longer, you’re eligible to collect part of your ex-spouse’s benefits. That’s great news for those who were out of the workforce for whatever reason during the majority of their marital years.



Debt, Credit, and Medical Needs Must Be Considered


Financial independence during the marriage is crucial for future planning. But if that wasn’t possible or didn’t occur for some reason, at least know where all the debt and insurance documents are prior to the divorce. Make copies of all records including your medical and life insurance info for your spouse. Alimony and medical payments can be included in the settlement, and you’ll still likely be listed as the beneficiary for a while on your ex-spouse’s life insurance. Be sure to remove your name from loans and joint cards you don’t use, however, as you may otherwise be held responsible for payment down the road.


What About the House?

Plans change, so the original concept of selling the house and moving to a tropical location may no longer be on the table. But that doesn’t mean you have to be burdened with a bulky and expensive reminder of your past. At the same time, don’t walk away from an asset without knowing how it can benefit your future. Even if the real estate market continues to struggle, your homestead can potentially improve your financial structure.

You might opt to include it in a settlement in lieu of or for reduced spousal support. You could both hold onto the property and opt to sell it when the market improves. Or you could even keep it and rent it out for extra monthly income. You have options, and your Michigan divorce lawyer is just a call away to remind you there is life after a gray divorce.

GST News – Clarifications On GST In Union Budget 2017

With the Union Budget of 2017, the government is looking forward to the implementation of theGoods and Services Tax(GST). GST is creating a stir in the nation, with everyone wanting to know more about the new tax scheme. Here’s what you need to know about India’s new tax scheme.

The GST Scheme

GST is a new indirect tax reform which seeks to simplify the current tax system and bring all the different taxes under one roof. The tax will be charged only on the supply of goods and services by the central and state government. This eliminates different complicated tax schemes like excise, VAT, CENVAT, etc. GST will also remove “tax on tax” on all goods and services.

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Latest News On GST

Plan For Implementation

The government is looking to put together a proper plan for the implementation of GST. It was due last September but was delayed, since the states and centre didn’t come to a conclusion on how much tax they’ll share.

One major concern that remains is that there’s isn’t a scheme developed to determine the taxable value of land. This was initially excluded in the GST scheme.

The implementation of GST will lead to establishment of a common market. It’ll help improve the governance and tax compliance. This tax scheme will also boost investment and growth, according to the Economic Survey of 2017.

GST And Service Tax

The government has decided 5%, 12%, 18%, and 28% are the tax slabs for GST. Tax experts say that taking service tax closer to one of these slabs is a good idea if the government has to generate more tax revenue. This is necessary to ensure that the government still receives the necessary revenue to keep the country running, while ensuring that the common man isn’t taxed too much.

GST And Demonetisation

Many argue that the demonetisation of Rs.500 and Rs.1000 notes has led to the downfall of the economy. They also say that the introduction of GST won’t really help the situation. Although GST will simplify the tax structure, it will be disruptive in the beginning. Several business sectors that were excluded will be added to the GST scheme.

Although the Demonetisation Act and GST will shake up the economy, the government believes that this will let the government generate more tax revenue.

India is a country where taxpayers who contribute are just 1% of the total population. That’s why these schemes are necessary for the growth of the country. Even if it causes pain for the citizens and the economy in the short term, the government is sure that it’ll bring term relief to the country and help in development.






Five Things to Look for When Choosing an Online Casino

If you like to gamble, but find it inconvenient to travel to your nearest casino or perhaps it is simply too far of a trip, then you are likely have thought about using an online casino for your entertainment. However, there are many online casinos to choose from. Deciding on a particular website can be difficult and even confusing. The following are a few tips to use when evaluating an online gambling website.

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Make a list of reputable sites
The best way to do this is to read reviews. A good online casino will usually have been in business for quite some time, but this is not always true. There are undoubtedly companies that have only been around a few years, but have gained a lot of popularity because of their outstanding service and entertainment value. Teleteria Reviews is one example of this. Reading through reviews, it will be clear whether an online casino should be given consideration. Once you have made a list, the next step is to compare various positives about each website.

Compare the games that are offered
It is not important that a site offers every game in the world of gambling, but it is important that a site offer the games that you like to play. You don’t  want to use several sites and have to move from one website to another in order to gamble. In addition, if you are someone who likes to play the slots, it is important that they offer the particular slots that you like best as well as have a reputation for adding the lasted popular slots on the Internet.

Compare the payouts that are offered
This is no different than an offline casino. There are often variations in the payouts for the same games from one casino to the next. You want to get the best value for your money, so the online casinos that offer the best payouts to winners should be a big factor in your selection. You also want to pay attention to minimum bets. This is because casinos may give the best payouts to their largest bettors, so unless you plan on making these minimum bets, the big payouts will have no meaning to you.

Look for bonuses that are offered
Just like an offline casino, there are always going to be paybacks and other rewards for a casino’s best customers. Make sure you know exactly what they are and how a player qualifies for them. If you play enough online, this can be a significant amount of money. Some of the rewards can be in the form of free bets or free play, but this can be as valuable as cash to someone who plays a lot.

Compare player account requirements
There will likely be a minimum initial deposit required. You will want to determine if this minimum amount is acceptable to you. In addition, you need to know how the account is funded, and whether this is acceptable or not. Lastly, look at how you will collect your winnings. There can be large differences in how this is done. Bank transfer is often the best option, but there may be minimum amounts required before a withdrawal is allowed from your account. There may also be a limitation on how many withdrawals can be made during a certain time period.

Whatever you do, it is best not to rush into your first online gaming experience. Take your time to compare the better sites, and you are likely to have a good experience.

Tips to choose best mutual funds for SIP

Investing in mutual funds is a very good option of investing in SIP. However, one must choose a scheme that is a consistent performer, has a good ranking over the past three to five years and gives good returns. This helps to make investment a good and risk-free affair.

Systematic Investment Plan or SIP is one of the best ways of investment in mutual funds. Investing in a mutual fund is perhaps one of the biggest decisions ever when it comes to investment options. Especially when we talk about long term investment, mutual funds are a very good option. However, while choosing a mutual fund to invest in, one needs to be very careful as it involves a decision that could have a huge impact on one’s life. People often select mutual funds based on the rankings received. This is not a very effective way of selection as the rankings are more than often rigged. There are several options to choose from the list of mutual funds available in the market today. Some promise high returns but that is not cent per cent assured. A good performer in the market today might not be a top performer tomorrow. Therefore a lot has to be thought about and gauged before investing in mutual funds.

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Factors that determine the choice of mutual funds:

There are many factors that need to be considered before deciding upon the best mutual funds for SIP. Some of them are listed below –

  • Objective – The objective of investment has to be clear in one’s mind before actually investing. One should clearly understand what he/she is doing and measure the risks that might crop up while choosing the best mutual funds for SIP.
  • Economic aspect – It is next to impossible to make a decision that is completely risk-free and profitable. However, one should always gauge what the economy is up to and decide on the mutual fund. Government’s decisions keep changing, therefore, one should study the economic trend and then invest.
  • Assets – A calculation of the net assets of a scheme helps to determine which is a good option for investment. A scheme with a lower than average AUM or Assets Under Management is definitely not a good option.
  • Scheme exit load – One should choose a scheme that comes with a fair percentage as exit load so that leaving a scheme mid-way is not too heavy on the investor.
  • Ranking – To an extent, the rankings do play a role to determine which scheme to invest in. Rankings are mostly based on its performance on returns. A few of the rankings are actually authentic. CRISIL provides ratings and as per surveys, they provide unbiased and genuine rankings. Schemes with good rankings are definitely better than those who are not able to hold a good position.
  • Expense ratio – Schemes that have an expense ratio of up to 1.5 per cent are good enough to be invested in.
  • Consistency – Mutual funds having a consistent performance in terms of returns and rankings should be given the utmost preference. Good and consistent performance over the past three to five years is a sign of a good scheme.

People sometimes tend to invest a huge amount at one go. This might prove to be risky sometimes. Therefore, it is always advisable to invest in SIP through investment in some mutual funds.

What is Gold loan interest rate now? Are you eligible for loan? Find out

Gold is one of the most flexible assets; it looks stunning, can give high returns and most importantly you can mortgage it to satisfy your financial needs. There are many institutions offering gold loan at great rates. However, it is important to identify the right offer. Let’s find out more on how to evaluate a gold loan offer in this post.

When we need liquid cash, we often look at either liquidating our asset or taking loans. However, liquidating an asset is not easy, and it requires some time. If you have gold and need liquid cash, you can either sell it or mortgage it for answering your sudden financial needs. At that point, instead of selling away your gold at a loss, you can keep it as a security and avail the benefits of a loan. In this way, you wouldn’t have to let go of your gold, and you will get the required amount as well. Besides, interest rates for taking gold loan are not high. Read here the other benefits of this facility.

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Gold Loan

This facility helps you in getting an amount by keeping your gold as collateral with the company. The company, in turn, offers you the amount that your gold possesses as per the value in the market. While your gold remains safe, you get the amount as well.

Amazing features of Gold loan

Following features are sure to make you think about considering the Gold loan:

  • The schemes can be customized as per your requirement
  • You can get a loan starting from Rs. 3,000 and above
  • The tenure of the loan can be from 3 months to 11 months
  • The Gold Loan Interest Rate can be about 12% p.a. and above
  • The gold pledged remains secured with the company
  • The maximum amount of the loan that you can get is 75% of the market value of your gold.

Are you eligible for this loan?

If you are able to tick all the following points, you can right away apply for Gold loan:

  • You are 21 years and above
  • The gold is 18 karats or above
  • You are either self-employed or salaried

Documents you need

  • You would have to show your ID that can include PAN card, Aadhar Card, Driving License, Passport, Voter ID, etc.
  • You would have to give your address proof as well; that can include Aadhar card, driving license, passport, voter ID, etc.

The company may also charge some additional money from you. These charges include-

  • Processing Fee – It depends on your loan amount.
  • Closure Charges – If you repay your loan amount before three months, then you wouldn’t have to pay closure charges.
  • MTM Charges – This could vary from market to market from where the loan is taken.

This is the most convenient way of getting the desired amount of loan and that too, at reasonable interest rate. Moreover, your gold remains safe under surveillance and in burglary and fire proof vault. Also, you can get the insurance of the gold that you have pledged. After paying the specific amount, you can take away your gold anytime. An easy and hassle free facility, isn’t it?

How Can A Term Loan for Machinery Benefit You?

In case your company is a part of a manufacturing industry, there are chances when you are in urgent need of finance; and you may want to purchase new machinery or upgrade the existing ones.  During such times, a standard business loan serves as good option, but a more customised loan scheme would offer more features & benefits.

Several financing companies provide loans specifically meant for machine and equipment purchase. The whole idea of offering these loans is to help business owners grow and meet their short & long term business objectives.

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Buy it, instead of leasing

Your ongoing business operations may require a specific type of machinery for a longer duration, possibly for a decade or two. Leasing machinery for the entire duration turns out to be quite expensive. Moreover, nothing can guarantee the life of the machinery being leased. On the other hand, a new machine has a longer life and will not require replacement or any kind of repairs in the near future. In such cases, opting for a term loan for machinery would be a feasible option and an inexpensive solution.

Benefits of a machine loan

Lenders facilitate machine and equipment financing for multiple industries, from Indian as well as global suppliers. Some of the industries that are served include, but are not limited to, printing, plastic, packaging, wood works, textile, solar and pharmaceutical.

The tenure of the loan is generally 4 to 5 years; which means you get sufficient amount of time to repay the loan. One can opt for an amount that ranges anywhere between 5 lakh to 5 crore.

Interestingly, most of the financing institutions ensure that you get the loan amount within seven days. All you need to do is simply submit the necessary documents and maintain a good credit score.

Are you eligible for a machine loan?

Financial institutions have their eligibility criteria in place based upon which the loan is either approved or disapproved. First, you need to be at least 21 years of age to be able to acquire the loan. Most of the institutions even have an upper age limit of 60 years.

Apart from the age, the lender would also be interested in understanding the nature of the business of your company. All operations carried out within the company should be legal and authorised. Finally, the stability of the business in the recent years is another factor taken into consideration by the lenders when assessing your loan application.

What are the documents needed?

The lender would want to have complete details of the machinery or the equipment you intend to buy; right from its price to the supplier you plan to buy it from. Next is the ‘Know Your Customer’ (KYC) proof, which will include a PAN card copy of yourself and the guarantor, address proof of the residence, business address proof, business registration copy, six months bank statement and an audited balance sheet of the last three years. Once you have submitted the necessary documents, you are half-way there.

The Official Handbook for CFD Trading

One of the big benefits of forex trading is the multiple avenues to make quick and clean money. One of these avenues is CFD trading, a trading platform almost similar to binary options but comes with even bigger advantages. Here are some important keynotes to have in mind while venturing into the CFD market.

CFD is referred to Contract for Difference in full. This means that as a trader, you will enter into a mutual trading contract with another party. CFD profits will be earned by getting the difference between the initial value prices from the final trading price, then multiplying this with the amount of CFDs bought.

For example, if you purchase 100 CFD gold on assets bought at 1000 then sold at 1500, the difference is 500 which is multiplied by the 100 CFDs bought. Your net profit will thus be 50,000 by the end of the trading window. And this is just a tip of the iceberg.

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CFD Trading vs. Binary Options

Putting these two trading platforms side by side, the approach is pretty much the same. The trader doesn’t own any assets but makes their money via speculation. The only difference, which also counts as an advantage for CFD, is that CFD doesn’t have expiry trading periods like binary options.

The Advantages of CFD

One immediate advantage is that you have no ties to asset ownership. You only need to get into a trading contract that outlines the number of CFDs you purchase. You have the freedom to purchase the lowest CFDs to the highest (100%) to increase your spread. The choice is all yours.

Then there is the advantage of being able to manage the risk of your spread. This is a vital skill to have since there is high risk involved in the craft (as it is with all other forms of currency or stock trading). Nonetheless, you can cushion your losses by applying a stop loss to your position to avoid incurring a further loss. Additionally, you can also decide to go short on the number of CFD gold to purchase if you perceive the potential for price falls in the trade assets.

Flexibility is another benefit CFD traders enjoy on a daily basis. You have the freedom to enter and exit the currency market whenever you want. And because there is no expiry period for this market, you can enter the market as many times as you want and increase the profits you make before cashing out.

Besides flexibility, there is also the benefit of trading in more than one avenue to make money. As you know, most of the forex trading platforms like binary options only rely on the currency market. But for CFD trading, you can trade in other assets like indices, stocks, bonds or commodities besides the currency market.

What else should you know?

CFD trading is a very lucrative venture and has made millionaires out of the average Joe. You also stand a chance of becoming a prime CFD trader, but the trick is in learning the ropes and learning them fast. Here are some additional tips to have in mind.

First, you need a CFD trading broker, or brokerage company like CMC Markets, to open a deposit account with. Brokers are vital middlemen to make use of, especially in the early stages of your trading. They understand how the whole trading process works and will impart this knowledge to you. You also get to learn all the jargon used and how to protect your investments and grow your portfolio. Many newbies in the game appear quite professional, and it’s all thanks to a broker working behind the scenes.

How to Prepare yourself to Get your Home Loan Application Approved

So you’ve chosen the dream home that you’re planning to spend your life in, and have most of your plan sorted out. Right now you’re probably figuring out your finances but might be confused about which approach to take. It’s best to start with some basic research when you decide to take a Home Loan, especially the down payment rates, your savings, EMIs as they would occur, legal documents, security and your credit appraisal.

Read on to understand how you can prepare yourself for taking a Home Loan.

  1. Understand Your Creditworthiness

Before you approach an ideal lender for a Home Loan, gauge your financial status to determine how much of money you can pay by yourself. The lender checks your credit worthiness on the basis of how punctual you’ve been with your past payments as well as how healthy your credit card and savings accounts are. Once you have assessed your financial situation, chart out the time it would approximately take you to pay back whatever money you borrow. This would ensure that you know how much money you can borrow to be able to close your loan account on time. The banks would extend you much higher amounts for a longer period if your finances are stable. You also have to focus on how you can save money once you start paying the EMI on Home Loan that you have taken. Once you have taken these things into consideration, you can move onto the next step.


  1. Check out the Margin Limit

The Reserve Bank of India recently mandated that banks can provide loans for up to 90% of the total amount that you need. This means that you would still be required to pay the rest of the 10% from your own funds. The margin is therefore the limit upto which the bank can extend the loan to you. The higher the margin, the lesser your loan amount is. This also depends on the your ability to pay back the rest of the amount, so think carefully before you decide upon how you should shell out as down payment, and how much you should borrow.


  1. Get your Documents in Place

Before you even start applying for a Home Loan, get your papers in order. This means that first you do a thorough background check into the property that you are looking to purchase. The loan amount would get affected if the property is being built from scratch or is ready for sale or is a resale property, in which case the prices may be lower and the banks might be more forthcoming to extend a loan. Keep the following documents ready before you approach lenders for your housing finance.

  • Application with a passport size photograph
  • Bank account details of last six months
  • Salary slips in case you are a salaried individual
  • Balance Sheet of last three years in case you run your own business
  • Bank statement of last 6 months or 1 year

These documents would help in determining your creditworthiness and to get a clear picture as to how much money could be extended to you. Apart from these documents you should also have the property related papers for the house you are interested in purchasing.


  1. Clear any Pending Debts

If you have taken multiple loans that are still running their course, then it would help to clear off those pending debts first, because having multiple loans would not just affect your creditworthiness, it would also make paying off the new loan that much more difficult. The banks would be reluctant to lend money if they find that you have existing loans that you haven’t paid off. However, even if you have multiple loans, it definitely does not mean that you cannot borrow from the bank but you have to determine that your existing loans do not deter your ability to pay them off and nor does it affect the chances of you paying off the new loan that you are seeking to borrow.


  1. Chart Out your Equated Monthly Installments or EMIs

EMIs are the monthly payments you’ll have to make to clear off Home Loan over the course of the loan tenure. The EMI’s cover the principal amount and the interest. You can also save a lot if the property that you are purchasing has been pre-approved by your lender. Essentially, you’ll be able to avail of a home loan at a low interest rate and for a longer tenure.


It’s extremely important that you first assess your financial status and determine if you’re capable of paying back a loan on time. You also need to keep your credit rating stable and check the property that you are planning to purchase beforehand. Keep your documents in order and ensure that you remain in a secure position even after taking a loan. If you keep these points in mind and plan your housing finance accordingly, it would not feel like a daunting task and you would be one step closer to securing your dream home.

Balancing Risk with Diverse Investment Types

Diversification is a standard best practice for investors of all types. And while many stock market investors diversify their portfolios well within a single market, their strategy has one fatal flaw. Diversification is built into many stock-based structures, like mutual funds and ETFs. Ownership of many stocks is intended to allay the risk of loss due to the sudden drop in value of one stock or another. Because the market tends to gain value overall, diverse ownership takes advantage of this overall growth, carrying the stock market investor to new heights. The only problem is, this strategy is only effective in bull markets. Many investors lose everything during bear markets, often at times in their lives when they can’t afford to lose it.

It is important for investors to understand and practice to concept of diversification of investment type. This means that investors should have portfolios that includes stakes in different markets, businesses, enterprises, and other kinds of investment. This may include real estate holdings, stocks, binary options activity through Banc de Binary, and many other types. To better communicate how this might play out in the life of a real investor, we’ll show the risk balance relationship between stocks and binary options.

Stock investment and binary option investment are two related, but totally different investment types and risk structures. They can be thought of as two sides of the same coin. Most of us are much more familiar with stock investments, where investors by pieces of a company in the hopes that each piece will become more valuable as the company grows. The risk inherent in this model is that the company will not grow. Internal difficulties, competition, or decline in the regional or national economy could sink a stock’s value, leaving an investor with much less money than they started out with.

Let’s compare this to binary options trading. With binary, an investor might have a stake in the value changes of the exact same stock in the stock trading example above. But with binary options, the stock isn’t actually purchased by the investor. Instead, the investor makes a value judgment about the stock in question, whether it will increase or decrease in value by the end of a predetermined amount of time. The investor only cares if the value change is consistent with his or her chosen direction. If it is, the investor gets dividends based on the amount that the value exceeded (or fell beneath) a certain threshold. If the price doesn’t go along with the investor’s hopes, the original investment is lost, totally or partially.

These two investment types have totally different types of risk. For the stock market investor, there is the risk that the stock will lose value or that the market will be depleted. For the binary options investor, there is no worry that the markets are healthy or not. Dividends can be earned even if the markets are in serious decline. In some ways, binary trading is the riskier option, though it is also immune to the absolute risks inherent in real stock ownership. There is a place for both in the investment behaviors of smart investors.