Premium bonds


Introduced by Harold Macmillan in 1956, a premium bond is defined as a government bond whose price is higher than the nominal one. According to the National Savings and Investment (NS&I), about 23 million people have premium bonds.
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Issued under a UK government savings and investment scheme, premium bonds are an easy and safe way to save money, with the option of receiving tax-free rewards. It assures investors that their capital remains 100% secure. There are generally two types of premium bonds – non-callable bonds and callable bonds.
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The owner of the premium bond is investing money in the government. Instead of paying interest to bondholders, the state pays money into the prize fund and gives the taxpayer a chance to win non-taxable prizes. Premium bonds cannot be held under common names and are not transferable to another person. One of the main benefits is that you can redeem all or part of your premium bonds at any time.

The bondholder is assigned a series of numbers for every £ 1 invested. For example, 100 bond numbers are provided for the purchase of bonds worth £ 100. Therefore, the taxpayer has 100 chances to win the prize. The random number is generated by a machine called Electronic Equipment for Random Number Indicators (ERNIE). It is drawn each month and the bondholder can win anything from £ 50m to £ 1m. The prize you win by drawing does not include income and capital gains tax in the UK.

Premium bonds can be purchased by phone or an application form can be obtained at the post office. The application can also be downloaded from the Internet. Premium bonds allow an investor to invest a minimum amount of £ 100; they are sold in multiples of £ 10. The maximum holding limit is up to a total of £ 30,000. Anyone over the age of 16 can apply for premium bonds. For children under the age of 16, premium bonds are purchased by their parents or guardians.



5 merits of bitcoin that you didn’t know


Most people have heard of the term Bitcoin, but have no clear idea of ​​what it actually is. Simply defined, Bitcoin is a decentralized, peer-to-peer, digital currency system, designed to provide Internet users with the ability to process transactions through a digital exchange unit known as Bitcoins. In other words, it is a virtual currency.
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The Bitcoin system was created in 2009 by an undiscovered developer (s). Since then, Bitcoin has garnered a great deal of attention, as well as controversy, as an alternative to the U.S. dollar, the euro, and commodity currencies like gold and silver.
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A private network of computers connected by a common program is used to perform transactions and process payments in Bitcoin. The creation of Bitcoin is based on increasingly complex mathematical algorithms, and purchases are made using standard national monetary currencies. Bitcoin users can access their coins via smartphones or computers.
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As a new and growing virtual currency, Bitcoin has certain distinct advantages over conventional government flat currencies. Here are 5 benefits you will enjoy when using Bitcoin
1) No taxation

When you buy in dollars, euros or any other national currency, you have to pay the state an extra amount of money as a tax. Each item that can be purchased has its own tax rate. However, when you shop via Bitcoin, sales tax is not added to your purchase. This is considered a legal form of tax evasion and is one of the main advantages of the existence of Bitcoin users.
With zero tax rates, Bitcoin can come in handy, especially when buying luxury items that are exclusive to a foreign country. Such items are often taxed by the state.

2) Flexible online payments
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Bitcoin is an online payment system and like any other such system, Bitcoin users have the luxury of paying for their coins from any corner of the world that has an internet connection. That means you could lie on the bed and buy coins, instead of bothering to travel to a particular bank or store to get the job done.
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Moreover, online payment via Bitcoin does not require you to fill in details about your personal information. Therefore, Bitcoin processing Bitcoin transactions is much simpler than transactions made through US bank accounts and credit cards.
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3) Minimum transaction fees

Replacement fees and charges are an integral part of standard foreign exchange transfers and international purchases. Bitcoin is not monitored or moderated by any intermediary institution or government agency. Therefore, transaction costs are very low, unlike international transactions executed through conventional currencies.

In addition, it is not known that transactions in Bitcoin are time consuming as it does not involve the complications of typical authorization requirements and waiting periods.

4) Hidden identity of the user

All Bitcoin transactions are discrete, or in other words Bitcoin gives you the option of user anonymity. Bitcoins are similar only to cash purchases in the sense that your transactions can never be tracked and those purchases are never linked to your personal identity. In fact, the Bitcoin address created to purchase a user is never the same for two different transactions.
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If you want, you have the option of voluntarily discovering and publishing your Bitcoin transactions, but in most cases, users keep their identity secret.

5) No external interventions
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One of the biggest advantages of Bitcoin is that it removes third-party interruptions. This means that governments, banks and other financial intermediaries have no authority at all to disrupt user transactions or freeze a Bitcoin account. As already mentioned, Bitcoin is based solely on the peer to peer system. Therefore, Bitcoin users enjoy more freedom when shopping with Bitcoins than they use conventional national currencies.
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Digital currencies like Bitcoin are relatively new and have not yet undergone major tests. As a result, many believe that there are certain risks associated with the use of Bitcoin. Despite the potential shortcomings of Bitcoin, it is obvious that its merits are strong enough to make it a legitimate candidate to challenge conventional currencies in the not-so-distant future.
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Buy investment real estate on a budget using crowdfunding


What is Crowdfunding?

If you are tired of poor returns with certificates of deposit, a savings plan and other equity investments, check Crowdfunding for double-digit returns. Crowdfunding is gaining in popularity as an investment strategy for many investors. It is a unique process of raising capital through family and friends, potential buyers and individual investors looking for different investment sites. To promote crowdfunding, advertising is a focused approach that uses social media forums and real estate investors and related networks.
Which platform is right for me?

I prefer crowdfunding with real estate investing which I will discuss here. There are many different crowdfunding platform strategies and models, so you want to make sure the platform you choose suits you well. Ask the question: Am I comfortable with the amount I will invest? Do we share the same values? Do you agree with their investment strategies like overturning houses or buying and holding for long-term passive income? The amount required to invest will vary depending on the venue, so buy until you find one that is suitable for your investment portfolio.
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Write your homework

Do your homework before investing. Historical performance is a good indicator of future performance. Meet the management team and see what they do on social media. How transparent they are and how willing they are to talk to you and answer your questions, including the difficult ones. Those who are more willing to share beliefs, management, and goals tend to do better for themselves and their customers in the long run. Also contact other investors to get their input and support.
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Do the math

I’ve seen a lot of attractive returns advertised to just find out that those were ticklish rates to call you. Do your homework to see if the numbers are realistic. Ask how many details the company offers? How can I access my investment and return after I make a commitment?
How and when is the return on investment distributed? What kind of report (personal and legal) is provided to the investor? Before the first step, make sure you are comfortable with the management team and the security of your investment.
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Example of group financing

I personally invest in Holdfolio. Their buying and holding platform consists of 10 rental houses in one portfolio. These houses are bought, reconstructed for rent, and then rented out. 60% ownership is provided to investors (crowd) with a minimum investment of $ 10,000. 40% is owned by the Holdfolio Management Team. The reported returns when I invested more than a year ago were 10% to 14% and I currently make 11% returns per year. With each new portfolio, investors are offered 10 additional homes at an average of $ 320,000 which is usually replenished within 4 to 5 days. Holdfolio has just completed Portfolio 10 and Portfolio 11 is about to start. This is just one example of many crowdfunding platforms.
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Full real estate financing is becoming increasingly popular today as investors move away from stocks seeking higher returns in other markets. Be sure to do your homework and narrow your search to the first three. If this is your first time, after choosing your choice, start with a smaller amount until the comfort factor allows you more.

The secret language of Wall Street has been revealed


Say these five words aloud: Bifurcation, Backwardation, ZIRP, NIRP, Contango.

Did you do that?

If so, did you sound like a cheerleader chanting a foreign language?

These are the real words used by many Wall Street marketers, gurus and promoters.

They may sound ridiculous or confusing, but they serve several purposes. (1) Detect or describe certain market conditions. (2) They act as “signals” for trading purposes. (3) They are intended to confuse and / or impress you.

And these are just some of the many words, abbreviations and sayings that make up “Secret Language” from Wall Street.

The funny thing is that most people (including me) aren’t impressed with words that don’t make sense.

However, if you understand them basically, you will be better equipped as an investor and more likely to be ahead of the masses. Think of it as learning how to “connect the dots” of a financial puzzle.

Compare this to trying to run a business in a foreign language (German, French, Japanese, Greek, etc.). If you don’t understand the language, you’ll probably lose money … A LOT of money.

So, like learning any language, you need a good teacher or translator who makes it simple and easy to understand.

That’s where we go.

In this article, we’ll introduce a few words so you can see how easy it is to learn a language and, at the same time, understand how Wall Street makes things so confusing.

Let’s start with the ZIRP. It stands for “Zero Interest Rate Policy”.

It was launched after the collapse in 2008 to “allegedly” stimulate the economy. It is true that the ZIRP has done critical damage to most national pension plans. (They need high interest rates to be able to finance their plans for their retirees.) The ZIRP has also crippled most senior citizens who depend on interest on their investments for life.

Although rates are rising slowly, it will take a long time to unravel the damage done by the ZIRP.

But let’s move on to NIRP. This is another abbreviation that means “Negative Interest Rate Policy”. Yes, you read that right. NEGATIVE interest rate policy.

This is greater collateral damage since the collapse in 2008 and is in effect mainly in European countries.

Here’s the crazy part. When government government bonds have negative interest rates (currently -0.05% to -0.36% or more), investors MUST PAY them to keep the money.

It’s a loss of proposal for an investor and it’s hard to imagine anyone buying bonds with negative rates, but millions have been sold.

We’ve just scratched the surface here, but we hope you see how these acronyms are very confusing and misleading.


Fees and more Fees and the world of investment


It is understood that the financial world survives on the fees paid by investors and consumers associated with their accounts. Fees aren’t a bad thing, but there’s more and more media today about “withdrawing fees” and how that can dampen a portfolio over the years.

The challenge is that the world of benefits is so complex that it is almost impossible to calculate exactly what benefits someone pays in the various investments they hold. Some say the market wants it that way – to keep consumers in the dark, not understanding all the various fees they pay each month or quarter. On the surface, in a basic asset management arrangement, there is a percentage of “assets under management” that someone pays for the services provided by the manager. However, behind these fees may be additional layers of mutual fund fees, transaction fees, annual account maintenance fees and others, which, when added together, can be equated with a large number. Take it out for over 20 or more years, and it’s worth the performance pull.

In the world of rents, the debate over benefits is raging. Some variable annuities on the market have fees higher than 4% per annum. A master’s degree in mathematics would be required to sort all the prospectuses to calculate all the different ways in which the policyholder is charged. The basic fee structure in variable annuities and fixed index annuities is fairly easy to decipher. It’s getting harder when the policyholder chooses different “riders” or “extras” for the basic contract – then the “fee withdrawal” occurs.

One of the world’s most popular mutual fund companies makes a fairly valid claim that it is almost impossible to find an asset manager who outperforms their S&P Index 500 fund without fees. Their fund has a cost ratio of 0.05%. There are various easily accessible studies that show that almost 80% of funds with active management do not outperform the performance of this fund – which is not actively managed. This is proof that the world of fees reduces the performance of most all consumers.

The dirty word in the financial world today is “commission”. That word conjures up visions of an old-style stockbroker beating people on the phone until they buy. It is true that for many long-term investors it would most likely be better to get expert advice and buy their investments with an advance commission and to do so by withdrawing high current management fees. The jury is still thinking about it, and the instability in the market will not allow the “fee debate” to settle to the back pages of the financial statements. As markets increase, the discussion of fees decreases; when markets are in decline, the debate over fees intensifies.


A good investment strategy for making money


Whether it’s 2011, 2012 or 2020 – here’s a good investment strategy for making money by investing without a crystal ball. Every good investment plan takes into account both the choice of investment and the time. If you can’t make money by investing using this simple strategy, rest assured that only the rare and lucky will make money.

Before you point out how to put together a good investment strategy for 2011 and move forward, ask yourself an obvious question. Where do the most successful people invest (or where have they had it in the past) to make money in the long run? The answer before the financial crisis was bonds, stocks and real estate. Today, the answer for the average investor is the same and takes the simple form of bond funds, equity funds and real estate equity funds. Ultimately, if all three of these areas of investment are filled – we are probably depressed and only a few lucky or smart speculators will make money on the investment.

A good investment strategy does not rely on speculation or an attempt to time the market. No matter what you hear, no one has proven and consistent results in determining market times that far outperform markets in the long run. If they did, they would make a ton of money by investing and hiding their secrets, not sharing them. Well, why not settle for a good investment strategy that makes only one major assumption: that the U.S. will grow and prosper in the long run?

Investing money in the above three areas is easy with the help of mutual funds. To reduce risk and add flexibility to your investment strategy, add a fourth type of fund called a money market fund. At today’s interest rates this may not look good as an investment, but they are safe and earn the interest rates that follow current rates. Specifically, by owning only 4 different funds, you can put together a good investment strategy for 2011 and beyond and make money by investing in America’s future. From high security to greater risk and greater profit potential: a money market, a medium-term bond, a capital income with large capital, and a real estate equity fund are all you need to own.

A good investment strategy for wetting your feet is simply investing equal money in all 4 funds. The timing strategy does not require reference to judgment or guesswork. A year later and once a year thereafter, you simply move the money to equalize all 4 funds again in value. This automatically forces you to take money off the table from your better-performing funds – and transfer more money to those who haven’t either. The net result over time is that you buy more stocks when prices fall, you sell stocks that are relatively expensive.

This is also a good way to make money in the long run, while keeping the risk at bay. Simply buying and holding funds is not a good investment strategy, and many average investors have been put in trouble in the past. For example, real estate funds were good investments for several years until the financial crisis hit them. If you owned them and just held on, by 2009 you could have accumulated a significant amount of money there and taken risks … which would have resulted in huge losses as a result of the financial crisis.

More than simplicity is included in what I call a good investment strategy for 2011 and beyond. This strategy uses two single proven tools in the investment business: BALANCE & REBALANCE and DOLLAR COST AVERAGE. The first tool keeps you on track while covering risk, and the second is a tool that reduces average investment costs by buying more stocks when prices are lower and less when they are high.

By owning only 4 different mutual funds you can put a good investment strategy with only moderate risk. People make money in the long run by investing in bonds, stocks and real estate; and keep smart money in a safe investment for flexibility. In years past, some people were simply lucky and made money by investing without a strategy. With a good investment strategy you will not need to cross your fingers and rely on luck. If America is advancing in 2011 and beyond – so should you.


Homemade meals are a hot investment


I got married well.

After seeing the recent data that 41% of first marriages end in divorce, I consider myself lucky. I was able to find a partner who is smart, fun, responsible and compassionate.

And he loves to cook!

I picked up some basic cooking skills during high school and college. I can make grilled cheese, boil an egg and bake an evil chocolate cake for someone’s birthday. But I don’t stray too far from those easy recipes and skills.

On the other hand, my husband is the one in our family who makes up the bulk of our meals. He is the one who can explain the different cuts of beef in the food, and he is the one who knows when to use dill and when to use rosemary. (I try to stay completely away from the spice rack.)

If food prices continue to change the way they have over the past year, I think we will see more people like my husband cooking amazing meals at home instead of going out to eat … and this will create fantastic investment opportunities if you know where to look .

Back to the kitchen

The government recently announced that the consumer price index (CPI) was unchanged for June, while economists expected inflation to reach 0.1%. The 12-month consumer price index fell to 1.6% from 1.9% and is well off its five-year high of 2.7% reached in February.

There are a lot of problems going on right now about whether the Federal Reserve will raise rates again this year and whether the slowdown in inflation will be more than temporary, as the Fed claims.

But right now I don’t care about the Fed. If the Fed is going to act, it’s unlikely to be until December, and from now until December, a lot of data will be released that could shake the Fed.

If you dig a little deeper into the CPI report, there was a great set of data that no one is actually talking about … and that creates a great opportunity for smart investors.

The government reported that food prices (food at home) fell in June. The price of food bought at the supermarket and prepared at home has been steadily falling since the peak in September 2015. Earlier this year, we experienced a small stagnation, but prices seem to be rolling over again and moving lower.

In contrast, the price of food bought in restaurants has been steadily rising over the same time period and shows no small sign of a concession.

The technology has worked to reduce costs in food production by increasing crop production. Low gas prices have also reduced transportation costs. The end result: It is now cheaper to buy food in the store than in 2015.

Meanwhile, rising labor costs and rising rents have forced many restaurants to raise prices just to make a profit, making them far more expensive.

The U.S. Department of Agriculture reports that food prices at home fell 1.3% in 2016 from 2015 levels and are expected to rise between 0% and 1% in 2017. Restaurant food prices jumped 2 .6% in 2016 and didn’t slow down in 2017.

The market has changed

The race is to make a profit from what hits your dinner table. Over the last few years, we have seen a sharp rise in meal delivery services such as Blue Apron, HelloFresh, Plated and Home Chef. These companies serve families (especially millennials) who are looking for the comfort of cooking at home, while getting a unique variety of food – far more than my awesome grilled cheese sandwiches.

Earlier this summer, Amazon announced plans to buy Whole Foods. Imagine if Amazon could target Whole Foods the way it did its other businesses, reducing costs and attracting customers.

And of course, Wal-Mart is going along with Amazon, which could create a price war that benefits consumers.

The market has shifted in favor of the grocery store compared to the restaurant. Food prices are falling in stores, while restaurants are raising prices just to exceed business costs. Meanwhile, wages for most Americans are stagnating, making the choice obvious.

Investors should be wary of restaurants and look at new grocery stores like Kroger or even watch out for new millennium-driven opportunities.

Preheat the oven. Sharpen the knives. Bust out the cookbook. It’s time to prepare dinner at home.


Easy ways to buy and invest in bitcoin


What is Bitcoin?

Bitcoin is a decentralized, peer to peer, digital currency system, designed to provide network users with the ability to process transactions through a digital exchange unit known as Bitcoins. In other words, it is a virtual currency.

The Bitcoin system was created in 2009 by an undiscovered developer (s). Since then, Bitcoin has garnered a great deal of attention, as well as controversy, as an alternative to the U.S. dollar, the euro, and commodity currencies like gold and silver.

Rise to popularity

Bitcoin did not attract much attention in the world of business and finance before 2009. It stood out in the period from 2011 to 2012 when it gained over 300%. Bitcoin has had a 400% growth in value since August last year. As a result, companies and investors around the world continue to attach importance to cryptocurrencies.

In the first half of 2014, venture capital firms invested $ 57 million in Bitcoin in the first quarter, followed by another $ 73 million in the second quarter for a total of $ 130 million, 50% more than last year’s total of $ 88 million. This is in stark contrast to the 2012 scenario when bitcoin companies raised a relatively meager $ 2.2 million.

These statistics unequivocally prove that Bitcoin is worth your investment, which begs the question of how you can buy and invest in Bitcoin?

A guide for novice Bitcoin investors

The easiest and least complicated method to invest in Bitcoin is to buy bitcoin. There are many established companies, mostly in the US, but also abroad, engaged in the business of buying and selling bitcoin, abbreviated BTC.


If you live in the US, then Coinbase is the place you are looking for. Coinbase provides its customers with BTC at an estimated 1% of the current market price. Residents of the United States have the ability to synchronize Coinbase wallets with their bank accounts. As a result, future payment transfers become free. This company also gives you the option to automatically purchase bitcoin from time to time. For example, if you are interested in buying $ 50 in bitcoins at the beginning of each month, Coinbase allows you to set up an automatic purchase for that amount.

Please note the terms and conditions before using this service. If you have subscribed to an automatic essential money service, then you will not be able to control the price at which BTC is purchased each month. Note that Coinbase does not function as a bitcoin exchange, i.e. you buy and sell coins directly from the company. Because the company has to procure coins from other customers, you may face delays or interruptions when placing an order during rapid market moves.


BitStamp meets the requirements of conventional bitcoin exchange. Bitcoin acts as an intermediary that allows you to trade with other users, not with the company itself. Liquidity is higher here and you always have a good chance of finding someone who is willing to trade with you. The initial fee is 0.5% and can be reduced to 0.2% if you trade $ 150,000 over a 30-day period.

Alternative ways to buy bitcoin

Local bitcoins

Exchange is not the only method of investing in bitcoin. Local Bitcoin is often used to buy BTC offline. The website is designed to connect potential buyers and sellers. Bitcoins are locked with sellers on escrow and can only be released to buyers.

Buying bitcoin offline is not always very reliable or secure. It is therefore advisable to meet with the vendors during the day and let a friend mark you in case things go south.

Bitcoin is not just a modern trend. Venture capital firms consider Bitcoin to be a decent substitute for a conventional currency in the long run. There are uncertain ways to enter the realm of bitcoin investing. As already mentioned, Coinbase, BitStamp and Local Bitcoins are the most popular channels for investing in bitcoin in the United States. Do your homework and find out which path marks all your boxes.


Invest in yourself – 3 best reasons to invest in yourself


Most of the time investing is a good idea. You could invest in real estate, stocks, mutual funds. However, you can’t forget to invest in yourself! Most people settle and stop investing in themselves early in life in which it separates those who work for nothing and those who work for their new home worth millions! Given that most people settle down and simply give up in their early 20s, it’s really not that hard to take the lead in the game and be a leader in any industry or life class. With that being said, the ball will roll with digging a little deeper into the terribly common art of tackling.

1. Get in the game – Start by increasing your education. Our brains are powerful tools where a bunch of information can be found, you simply limit yourself to not fulfilling. Take a pottery course or go online and take an educational course on personal finance or budget and anything else. Don’t just settle for mediocrity! The only people in this world who will try to dissuade you from investing in yourself are broken people!

2. Become a leader – If you talk better, you know more, you behave better and all that kindness, then it is practically impossible not to become a leader in any industry you are in. If you are, for example, a nurse and if only a doctor can answer your questions I could, my only logical assumption is that you will see an increase in income before any other nurse in the hospital where you work. It just makes sense! My knowledge of computers and marketing a few years ago was scarce, but after determined mature efforts to expand greatly in both spheres, we became a leader in both industries.

3. Trust – The power of self-confidence is truly amazing. For example, I used to be afraid of math, even basic equations! I took the time and invested in my math education and taught myself through online tools through accounts. That doesn’t mean I love math now or I’m a math expert who can solve linear inequalities on the go. However, when I see the equation, I am no longer afraid of numbers. I am extremely confident in my mathematical ability to know if I work on it long enough and if I stay concentrated and relaxed, I will probably discover the correct answer. The power of confidence is taking both the task and understanding that you are able to solve it, no matter how difficult or challenging it may be.

If you go through the three main reasons why you should invest in yourself, you will quickly realize that these are the steps as well. Constantly increase your education and start creating waves in your industry. Then become a leader in any industry you are in and that will take considerable care of itself by the cause and effect of increasing your overall knowledge. Finally, use the power of self-confidence and use it to your advantage to continue the process!


A parable of talents


The Parable of the Talents

The man traveled to a distant land, but before he left he left the goods to three servants.

“Once he gave five talents, to another two and another, according to the means of each; and he immediately set out on a journey.”

“Then the one who received the five talents went to trade with them and created five more talents.

“And also the one who received two, got two more.”

“But he who received one went and buried his Lord’s money in the ground.”

“After a long time the master came and dealt with each of the three servants.”

“So the one came who received five talents and brought five other talents, saying, ‘Lord, you have given me five talents; here, I gained five more talents besides them. “

His Lord said to him, “Bravo, good and faithful servant, you have been faithful in several things, I will set you over many.”

The one who received the two talents also doubled his talents and the master was pleased with him. “

Then the one who received one talent buried his talent and returned the talent to his master.

The teacher was not satisfied, he was actually angry and said to the servant, “Why didn’t you at least deposit my money in a bank where I would get interest on my money?”

The teacher took his talent and gave it to the one who has ten talents.


“Use or lose”, which in short if we have to use what is given to us or we lose it.

The servant who buried his one talent did not use what was given to him, so it was given to someone else.

It also teaches us that it is not how much you will earn from the payment package that determines your financial future, but how much you will save.

By playing it safe without taking any risks, you may feel safe, but the day will come when you will lose everything you have so you can take advantage of what you have.

International sport is full of talented human beings who have reached the elite level of the chosen sport, but what we do not see is the hard work and sacrifice of these individuals to get where they are. Talent takes you so far, but hard work has taken them further.

Ask any athlete how long it takes to get in top shape after being out of action for a while, and they will say, “It takes a while to get in shape, but lose fitness faster when they stop training.”

As for the parable of talents, if you cannot be faithful to what has been given to you, then you cannot be in charge of greater things.