Pocket Stock

Finance Lifestyle Blog

Wesley

The Benefits of Having a Study Plan in College

by Leave a Comment

Do you find yourself procrastinating when you know you should be studying? Are you unable to keep up the material in your current school program? Are you having trouble remembering the material? Do you even pull frequent all-nighters, cramming as much as you can before an important test? If many of these are “yes”, then it might be time for you to switch to a better study plan and improve your habits.

This article will take a closer look at different study habits and show you how you can implement them into your study plan as soon as possible. So before you tell yourself, “I should just pay someone to do my homework online”, you should first read this article to figure out how you can study more efficiently. There’s no time to waste — let’s go!

Find out your favorite learning style

We all know that learning is a lifelong process that must keep up with changes in technology, pedagogy, etc. If you don’t know which learning technique is best for you, then it’s possible that you’re not studying and learning information as efficiently as you could be. There are three different styles of learning:

  • Visual Learning: This is a form of learning through pictures and images. This learning style requires the learner to see what they are expected to know, and the sense of spatiality helps you get a grip on your subject/topic.
  • Aural Learning: Individuals learn through hearing directions and speaking answers, like watching videos. This also means listening to music and letting sound help you while you study.
  • Logical Learning: This style uses reasoning and logical sequencing to absorb information. Your strengths lie in math, logic, seeing patterns, and problem-solving.

Set up a realistic study goal

Setting up a study goal is essential if you want to succeed. It’s also a reliable predictor of better grades and completing your qualifications. There are two steps to achieving goal planning and executing. A plan without execution is no good, but so is random execution without the plan. That’s why you can only reach your goals when you do both of them together.

When my sister set out to get her Master’s in Business Administration, she planned well ahead in knowing exactly how many classes she would take, how many papers, quizzes, and exams she’d have to study for, and even how many chapters she would have to read in preparation. This gave her a clear idea of how long it would take her to complete the entire MBA program. Follow the tips below in order to instill strong study habits and get yourself on track for the entire semester:

  • Look over your entire semester’s calendar and asses how much study time you’ll need before exams, projects, etc.
  • Create a list of all actions you’ll need to take before each.
  • Make study time a part of your daily routine.
  • Create a study zone, whether it’s at home, at the library, at work, etc
  • Take notes depending on your learning style.
  • Review your notes regularly.
  • Don’t use a smartphone, tablet, laptop during your study time.
  • Find at least one learning partner.
  • Create good sleeping habits.

Creating a study plan can do wonders for your grades! Always remember that it’s better if you start studying at least two weeks before your exams. Happy studying and good luck!

 

Making the Most Out of Your Seasonal Business

by Leave a Comment

Setting up a seasonal business requires different approaches to non-seasonal businesses. Whilst most companies have a steady stream of business all year round, seasonal businesses have a shorter time period to operate. Therefore, it is really important to optimize your opportunities in the peak period. Let’s look at some typical seasonal industries to help explain how you can make the most of your business:

Ski resort

Whilst there are many ski resorts that operate all year round, there is only Timberline Lodge in Oregon that opens all year round in the US. The rest of the ski resorts in the US are impacted by the weather/snowfall and therefore ski resort businesses need to make the most of the months that they are open. To do this, they need to have good planning and in the time when they are closed, they can still do key actions such as marketing to get people to book ahead to stay at the resort and work on attracting good staff.

Snow removal

Removing snow can be a very good industry to operate in because it does not require huge expenses or skill to do. You will require a snowplow or other snow removal machinery but you won’t have outlays like acquiring land, you will just need somewhere to keep your machinery and somewhere to set up an office for the admin work. Whilst it can be an easy industry to get started in, it is quite a high-risk job given the icy roads and possible cause of damage so it is important to get snow removal insurance to prevent going out of business if you have to pay out on property damage or other unexpected costs.

Farming

It is not just the colder climates that influence seasonal industries, as planting and harvesting is done in cycles. Planting in the US tends to be from April to June and then harvesting is completed in October and November. Therefore, employing farming staff in time for the cycles is crucial, as well as making sure that the machinery is all in working order before the two cycles commence. Farmers will usually work very long hours to maximize the output from the short time windows, or employ enough workers to cover shifts throughout the day.

94cs2295 (1) by USDAgov, on Flickr

Retail

The retail industry has fluctuations around holidays, with Christmas shopping being a particularly busy period where companies will often need to take on additional seasonal staff. Maintaining stock levels is naturally pivotal during such a busy period. Bars and restaurants are similar, getting busier around holiday times and celebrations like Thanksgiving and New Year’s Eve. Dedicating more planning around staff rotas and offering festive menus are good ways to make the most of the increased custom in the busy holiday period.

When you are working in a seasonal industry, there are many different factors to consider and good planning and time management within the busy periods is essential to the success of these types of companies.

Canberra ACT Tips for Mortgage Brokers & Home Loans

by Leave a Comment

In the Canberra area within the Australian Capital Territory (ACT), you may notice that there are is a big rise in the real estate market. Whether you’re buying your first home, wanting to have your dream home built, or whether you’re wanting to refinance your mortgage and not go through a specific bank, you are more than likely going to have to rely on a mortgage broker. In this guide, we’re going to give you some of the best advice on how to find the best mortgage broker.

What Makes a Good Mortgage Broker?

One of the biggest things that you’ll want to make sure of isn’t that your mortgage broker is just looking to close a “sale”. Instead, the best brokers actually will put customer service as their primary forte, and for good reasons. They’ll happily tell you about any commissions that they’ll receive. You want a mortgage broker to have a great attitude and be willing to tackle a lot of paperwork for you so you don’t have to do all of it with your busy life.

Check References, and Experience

When it comes to finding a good broker, don’t ever hesitate to look at reviews on the company to see how many of their 5-star reviews actually exist or are legitimate. Ask around, and see if anyone can give you a good word. Also, don’t just jump on the fact that some people are going to leave a bad review on search engines either, as often times, competitors actually pay people to do this to help boost their own reputation while hindering their competition’s.

You’ll want to make sure that your mortgage broker is qualified and fully educated, as well as have a Finance and Mortgage Broking certificate. Don’t just believe that this is enough though. You’ll also want to know just how long they’ve been in service as well.

Look Into their Lender’s List

Also called a lender panel, most brokers only have access to a variety of banks and lending companies that they can use. You’ll want to know exactly what lenders they have on this panel, and how many lenders they’ll have on the list. You’ll want to choose a broker that has a good number so they can regularly draw on them to make sure that you get the home loan you’re going to need.

Say What Again?

Making sure you understand every single technical term and lingo is important. Sometimes you may not understand a quip or phrase, and you need to ask them to explain it for you. The best mortgage brokers are willing to explain anything to you in layman’s terms so that you’ll understand every single detail of your loan process. They’ll also make sure that you get every single bit of what they say in writing.

Conclusion

When you’re wanting the best home loans Canberra, you’ll want to head over to Grapevine Mortgages, where they have years of experience in providing hassle-free experiences to hundreds of borrowers in the area. They offer their services free to you, and you can get the same interest rate or a better one by using their service, rather than having to do all of the hard work by yourself.

 

3 Reasons to Visit Alaska

by Leave a Comment

 

With abundant wildlife and gorgeous scenery, Alaska is a great spot to vacation. Although Alaska isn’t typically considered a vacation hotspot, the state is full of beautiful glaciers and mountains along with a unique culture and historic mining towns. If you’re interested in visiting the Last Frontier, here are some more reasons to plan a vacation to Alaska.

Remote wilderness and free roaming wildlife

The 49th state is full of majestic wildlife and jaw-dropping scenery. From moose and caribou to eagles and whales, Alaska has no shortage of wildlife. The Alaska Wildlife Conservation Center, a sanctuary dedicated to preserving wildlife, is an ideal spot for vacationers looking to see and learn more about Alaska’s wildlife.

Denali National Park is another spot to view Alaska’s best wildlife. With six million acres of wild land, visitors can drive through Denali and take in views of snowy mountains and alpine tundra. Visitors may also spot wild animals roaming through the unfenced lands. Denali National Park is the perfect getaway for travelers looking for a sense of solitude and tranquility.

Visitors looking to explore Alaska’s vast landscape should embark on a nature trail expedition. Contrary to popular belief, you don’t have to summit a mountain to take in the gorgeous scenery and scale of Alaska’s mountains. Both small towns and big cities are great spots to find nature trails with access to mountains.

Endless adventure

There’s endless opportunities for adventure in Alaska. Whether you’re into hiking, kayaking, or fishing, Alaska is the place for you. Try a day cruise by the coastal mountains to take in the immensity of Alaska’s scenery against the clear blue waters. Together with the vast green mountainside and waterfalls, tidewater glaciers and marine wildlife make a day cruise in Alaska an unforgettable experience.

If you’re looking for a more hands-on experience, Alaska’s all-inclusive fishing lodges deliver a one-of-a-kind experience for travelers. All-inclusive fishing lodges provide accommodation, equipment, boats and fuel, as well as guiding, meals, and fish processing. Since everything you need will be taken care of, all you need to worry about is packing your personal belongings. If you’re interested in a fishing vacation in Alaska, try searching “Alaska fishing lodges all inclusive” for more information.

Kayaking is another great option for adventure seekers. Kayaking is a quiet and intimate experience, allowing travelers to connect to the nature around them. When you’re paddling in a kayak, Alaska’s vast wilderness and glassy waters will make you feel at peace with the surrounding mountains.

Take a dip in the hot springs

Although Alaska is known for its cold, the state is full of hot springs. Whether you’re looking to take a relaxing dip in the springs or want to find a spot to view the northern lights, traveling to Alaska’s hot springs is a must for vacationers.

Chena Hot Springs is often considered Alaska’s most popular hot spring and is easily accessible to tourists. Just a 90-minute drive from Fairbanks, the spring has a natural outdoor hot spring, as well as indoor tubs and a swimming pool tapped from the mineral spring. 

Alaska’s hot springs are a world-renowned tourist destination any time of the year. In addition to the hot springs, there are a variety of other options for travelers. From the Ice Museum to flightseeing tours, there’s plenty to see and explore in the Chena area. Plus, if the weather and darkness permits, some lucky tourists might even get the perfect opportunity to view the northern lights.

Whether you’re interested in making a once-in-a-lifetime trip or a returning visit, Alaska’s boundless scenery and endless opportunities for adventure make the state a great vacation spot for any kind of traveler.

What are the Differences Between the Main Stock Charts

by Leave a Comment

So, you have been researching current events and stock trading software. Good for you! Just jumping right in and familiarizing yourself with the stock market is one of the best things that you can do to begin learning how to successfully invest. With that being said, there is a lot of information that is being rapidly thrown at you that it can be difficult if you aren’t a seasoned investor to make sense of it. One of the main tools that investors use to predict the direction that a company’s value may go within a specific time period is to use a stock chart. But there are so many. Below, we have listed the main charts that investors use, what they show, and some of the pros and cons of using them.

Line Stock Chart

Perhaps the most elementary chart. It is just a solid line that either moves up or down. Each point (wherever the line moves) is at a fixed interval, which can be set to whatever amount of time has passed whether it be minutes, hours, days, or even months. At the end of the time period that it represents, you will be able to draw a line from the beginning of the graph to the end and either have a line that is pointing upward (increasing in value) or downward (decreasing in value).

This is great for a quick look at whether the company is increasing or decreasing in value over a certain period of time. However, it will not show the opening price, highs, or lows which are helpful in determining if that time period the market was bullish or bearish.

Candlestick Charts (Japanese Method)

This is a highly visual method of looking at the overview of a stock’s behavior over a set period of time. Each stick will look like a candlestick and some will be filled and others will be open. They give a quick look at what the price opening, high, low, and closing prices are as well as volume. This is a great way to get a lot of information really quickly about a particular company, but there are multiple kinds of candlestick charts, which can be somewhat intimidating to the new investor by displaying too much information.

High Low Close Bar Stock Charts (HLC)

These are somewhere between the line chart and candlestick. They will show the stock’s highest point, lowest, and the price at which it is closed. Unfortunately, it doesn’t show the opening price which is an essential frame of reference when determining if the stock’s price has increased or decreased. However, it will show a greater range of days that the stock was being traded and if it is closing near the high, it will help identify if it the marketing is being bullish, or bearish if it is closing near its low.

Open High Low Close Bar Chart (OHLC)

This adds the opening price that the HLC stock chart left off. It will give the frame of reference so it will indicate if the value of the stock is increasing or decreasing, and the height of the bar shows the volume at which it is trading. It doesn’t show as much information as the candlestick charts and others that incorporate it, but it does give a more informational look at a stock’s behavior than just the simple line chart so you can make a more educated guess on whether the stock is going to increase in value by the time that you want to sell. This one is also popular among professional investors.

Conclusion

There are many different types of stock charts and, at the end of the day, each have something that is good and something that could be better, but the best one is the one that gives you the information you need to make a good decision. If you work better with looking at a simple charts and making sense of the news, then that is the right one. If you need the information presented more visually than reading, then you may find the candlestick charts to be better for you. At www.abovethegreenline.com, you can have access to a wide array of technical analyses to help you make a wise choice whether to buy or sell. This is mostly personal preference. So, you will be best served by learning the one that you work best with and learn it as well as you can.