From the category archives:


Harriet Stephens is an associate chief information officer at the G/6 division of the US military, who is a recommended specialist by the Booz Allen Hamilton agency. As part of the HQDA staff of the military, Harriet has served several roles in the army, having first joined as a staff officer in 2007. Since then, she has taken up several diverse roles, primarily concerning information technology operations for the DISA, or the Defense Information Systems Agency. She is also the deputy of the DISA Implementation team, she reports to the DISA command center, the CYBERCOM support team and has served as the liaison officer to the DISA Command Center, PACOM and STRATCOM, all as an information technology specialist.

An undergraduate at the Mercer University, Harriet went on to complete her Bachelor of Science Degree from the Columbus State University, specializing in General Allied Health, Health Services and Health Sciences. Known to be an extremely active individual during her college days, Stephens was engaged in many university societies and activities. She served as the president of the dental hygiene club and she was also involved with alumni affairs and the student council. Furthermore, she was an adjutant of the ROTC brigade at her university. Ever since her graduation days, Stephens has taken keen interest in a diverse set of activities and this has transformed her into an individual with fine work ethics and one who enjoys a diverse set of skills.

Harriet’s skill set touches upon everything ranging from project management, program management, requirements analysis, government contracting, integration, information assurance and security and clearance, among many others. Most of these skills were accumulated since her college days and since she started off as a staff officer with the US Army. Today, she is seen as an important IT specialist who serves many crucial functions for the DISA.

All her associates recommend Harriet as a fine worker with great ethics and immense potential. She has often been recommended as a wonderful team player and one who is never shy of taking up a new role. Over the years, she has taken up many different roles and she continues to do so with the US military and the DISA. It is no wonder that the renowned technology and strategy consulting company, Booz Allen Hamilton recommends her services as an IT specialist as well.

Harriet Stephens has been a hard working individual all throughout her life and has always taken up challenges thrown towards her. Ever since her younger days, she has been involved in a variety of activities and this has also translated into her professional career, where she enjoys a diverse set of roles in addition to being the associate CIO for the DISA. With every passing day, Harriet takes up more and more important tasks and given her wonderful work ethics and professional culture, she is all set to go even further in life.


China has generated a large amount of controversy and speculation on the forex markets of late of late, with its economic policies creating a tumultuous and volatile few months for the nation’s currency.

Indeed, the last few days have seen the country’s foreign reserves – the largest on record – fall to an astonishing three-year low. With the eyes of the world firmly glued on this eastern powerhouse, we assess the veracity of the nation’s claims that reserves remain ‘relatively abundant’…

A Three-Year Low

Recently, China’s foreign reserves have experienced an extreme dip, falling to a three-year low. This is not the first time in the last few months that severe depreciation in the value of reserves has been witnessed. November also marked a cataclysmic drop, which totalled 87.2 billion dollars.

With a 107.9 billion dollar shortfall to explain, ministers claim that the US interest rate hike is the key cause, and remain firm in their conviction that reserves are still ‘relatively abundant’.

Arguably, their statement holds a good deal of truth. Despite the record monthly fall, the State Administration of Foreign Exchange (SAFE) estimate that its reserves still amount to 3.3 trillion dollars, making them the largest in the world.

SAFE Unconcerned

Despite this mammoth depreciation, and the drop of the yuan to a five-year low this week, China remains the largest holder of foreign exchange reserves, and SAFE has shrugged off all concerns from investors, commentators, and other anxious parties.

In a statement released by the organisation, they said that the fundamentals of the Chinese economy remain strong, and that “generally speaking, China’s financial system is stable and healthy.”

They also made clear their intention to encourage and facilitate cross-border trade and investment, and outlined their desire to promote the currency’s convertibility.

Additionally, SAFE stated an intent to re-strengthen the monitoring of the country’s balance of payments, as well as an aim to assess, evaluate, and improve its regulation of foreign debt and cross-border capital flows.

Focusing on the Future

It is not only SAFE which is looking at ways to remedy the Chinese situation. The nation itself is proving hands-on in its search for a solution, and many of these centre around reinvigorating its export market.

This focus has been catalysed by a pattern of decline in this area. The trend has prompted a whole host of reforms, some of which are already being implemented, and which aim to turn the country’s export dependent economy into one with a greater emphasis and reliance on consumption.

Additionally, overseas direct investment has also been vamped up, which has seen Chinese companies invest 104 billion dollars in foreign ventures over the past 11 months.

With a proactive approach to currency depreciation, a host of experts warning investors not to underestimate the Chinese economy, and a plethora of reforms already in place, could it be that China is set to turn its fortunes around in 2016?


Whenever I am asked what I would recommend for starting a business, I skip over the usual notion of finding a product/service that’s popular or in-demand and instead recommend they start with a hobby.

A hobby is something you’re accustomed to and know a great deal about. You also have connections with other hobby enthusiasts and know what sites they visit (which assists later in marketing).

Additionally, your knowledge of the hobby puts you in a position where you can immediately find ways to sell products, services, or information to those that are getting their feet wet with the hobby so there is already a market to go after.

We all have hobbies and each one of them have things in common:

  • There is an on-going learning process
  • There are items needed to begin the process
  • There are communities that share information

Combine those three things and you have the recipe for a side-income opportunity; all that is needed is the platform to sell a product/service, a marketing plan, and motivation/passion to pursue the dream.

Here’s how it gets done:

Setup the Platform – A website and social media profile (Facebook will do the trick) is what you’ll want to start when creating your side-income opportunity. Website creation is easy if you use a free website tool such as Wix but you could always hand-code or purchase a template from a marketplace like ThemeForest. Setting up an online store isn’t as complicated as you’d think – it can be done in afternoon with enough motivation. The second of this is to create a Facebook profile for your business so you can begin building a following. The two, working together, will keep your audience informed, allow them to make purchases, and be used as a platform to share your knowledge.

Diversify the Income Sources – Having an online site of your own is great for selling your products, services, or information but it’s wise to diversify the income sources by leveraging other platforms. For example, if your hobby was collecting and selling rare documents and signatures you would want to utilize a platform like Raab Collection to find the right buyers. There are plenty of popular choices like Ebay and Amazon but don’t forget about the smaller options like selling directly through forums or social media.

Source the Products/Services/Info – Get in touch with the manufacturers of the items that are created for your hobby and see if you could register as a reseller. Alternatively, consider becoming an affiliate for one or two of the major product/service providers for your hobby industry. A third option is to create information products such as ebooks or video courses that could be tailored to teaching others the basics, mid-level, and advanced topics of the hobby.

Condense the Information – Content is what people want outside of products related to your hobby. They want to read tutorials, see reviews, and talk to you for guidance and just to chit-chat because it’s something they love to do (or want to explore). Try to create content a few times a week. Content will be indexed by search engines which will help you show up when others search for that topic. Content also gives you something to share on your social media accounts which will get the discussion going and give you opportunities to plug product recommendations or sell services/information.

Play with Others – You may want to think business is about cutting out the competition but hobbies are about meeting others that share your interest so it’s good to play with others. You should take part of your day to reach out to other sellers and individuals that are passionate about your hobby so you can build a connection and create a great network. By working together you can progress the hobby as a whole, refer customers to another, and aid with the overall promotion of the hobby which makes for a larger marketplace for everyone!

Now obviously this is a very condensed version of how you’d get started but it does cover the basics that will start the journey. There will be smaller objectives and hurdles you’ll need to overcome but once you get the platform together, you begin marketing your offer, and connect with the right marketplace (to which you already know of) you’re in business.

So the question isn’t how to get started … it’s: when will you start?


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The forex market is appealing for its liquidity, availability, and for the leverage that brokers offer. Even with a relatively modest bank, it is possible to open sizeable positions on some of the most common currency pairings, but rather than jumping straight in at the deep end, it is vital that you not only understand the market but that you have a good working knowledge of how to trade. Choose a trading platform that meets your needs and offers tight spreads, learn before you start trading for real, and always utilise stop losses.

1 – Choose A Good Trading Platform

A good trading platform may not ensure profits, but it can help by providing access to data that you need, by offering instant trades, and by allowing you to implement the stop losses and use other tools to help optimise your trades.

There are many platforms and accounts to choose from, but one like ETX Capital that provides access to a wide range of information and data, means that you will be able to make informed decisions, learn how to trade effectively, and enable you to make the most of the investment bank that you have available to you.

You will be spending a lot of time on, and investing a reasonable amount of money through the trading platform, so it is also important that you get along with the software and its features.

2 – Always Implement Stop Losses

You should never open a trade without implementing stop losses, even if you intend to watch over the trade and refresh prices constantly. If your Internet goes down, or if prices tank or fly away, you may not be able to click your mouse button quickly enough to be able to close out a trade as quickly as you need to.

Stop losses can prevent you from losing a large portion of your trading bank, and over time they can help to maximise profits and minimise losses. You should get into the habit of using effective stop losses from the very beginning of your trading, and you should continue to use them with every position that you open.

3 – Learn Before Doing

You should not apply the adage “learn by doing” when investing in the foreign currency market, simply because it is potentially the quickest way to clear out your investment bank. You could be left with nothing before you have really even started, and losing even a modest bank at the very beginning is likely to leave you feeling deflated. While caution is no bad thing, being overly cautious could be enough to stop you from making the level of profits that you need from the trades that you research and open.

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The “open secret” of the wealthy is that they earn through investments. They may own corporations, mansions, yachts and luxury items, but their real power is in their more invisible assets: investments.

However, new forms of alternative investments are now accessible to working people, or even to stay-at-home parents. These include forex trading and copy-trading. Currently, a great way to invest for potentially quick profits is through binary options trading.

What is Binary Options Trading?

Investors choose an asset they want to trade on. The asset may be a commodity (such as gold), the stocks of certain corporation, or a foreign currency pair. Binary options trading is so-called because the investor only chooses between two options: “Call” and “Put.”

The investor predicts whether the price of his asset will rise or fall during a specific stretch of time. If he chooses the “Call” option, he is predicting a price increase. If he chooses the “Put” option, he is predicting a price decrease. The investor gets a return on his investment if he is correct, but risks losing it if he is wrong.

Why Choose Binary Options Trading?

First and foremost, with this investment, the investor can calculate his potential gains and losses. He also knows the exact timeframe before the return on investment. In other words, an investor can make specific calculations for every time he trades, and pre-decide how much he is willing to lose, how much he wishes to gain, and what losses are acceptable vis-à-vis desired gains.

Second, binary options diversify assets trading. It is advisable for investors to diversify their investments in different assets. With binary options trading, investors can do this through a single platform. They can diversify their assets by trading on foreign currency pairs and stocks, or stocks and commodities, or a mixture of all three and other assets besides.

How Can Investors Profit from Binary Options Trading?

The attraction of binary options trading is the possibility of high returns. In a single transaction, an investor can earn up to 80% of his investment back. So for example, if he invests $100 and is correct in his prediction, he can get $180 back. However, if he is wrong, he may lose most or all of his investment.

Investors profit from binary options trading by following binary options trading signals. The signals depend on the asset being traded on. If the asset is the commodity gold, the investor can look at two countries dependent on gold: China and India.

If China is selling gold heavily, the price is likely to drop. If India is buying gold extensively, the price is likely to rise. Browsing the news and other resources can help the investor predict the movement of prices.

Because investors can calculate their potential gains and losses in a specific time frame, they can actually time their trading with the signals they receive. For example, the signals point to a major drop in a corporation’s stock price the next day. The trader can then choose a time frame that will let him earn over a correct prediction of falling stock price the next day.

Binary Options Trading: Investment Platform of the Present

There are many alternative investment platforms that seem promising, but do not allow the investor to make accurate calculations about the risks in capital and investment, gains and losses. The advantage of predictability in binary options trading makes it an effective investment for faster profits.

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Post image for Money Matters:  Investing

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