Once upon a time, you needed to schedule a meeting with your suit-and-tie stockbroker and pore over complicated spreadsheets to trade shares on the Australian Securities Exchange (ASX). But thanks to investment apps, you can get started investing from as little as $5. Designed to take the stress out of investing, micro-investing platforms such as Raiz and Spaceship invest your spare change into a mix of exchange traded funds (ETFs).

Other investment apps like Selfwealth and Douugh use automation to streamline and simplify the trading process for beginner investors. Both offer low-cost brokerage fees and a user-friendly interface. Selfwealth also offers the most markets of any Australian investment platform, giving you access to US and Hong Kong stocks alongside ASX-listed shares. Plus, you’ll get access to Bitcoin and a variety of crypto-currencies in addition to equities.

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For the more experienced trader, the investor centre offers a full suite of trading tools including advanced charting and news feeds. You can trade global shares, cryptocurrencies, ETFs, IPOs and forex from a mobile-first experience with competitive pricing and fast execution speeds.

Unlike other investment apps, eToro’s social trading functionality allows users to follow and copy trades from other successful traders, which can be a useful learning tool for beginners. Its low brokerage fees and easy-to-use platform make it a great choice for new investors, with no account maintenance, inactivity or transfer fees.…

Phone technology continues to evolve and make our lives more efficient, making it easier for businesses to connect with customers and employees. One such innovation is the phone carrier lookup tool, which allows businesses to identify the carrier associated with a particular phone number. This helps businesses optimize various processes, including customer service, marketing, and fraud prevention.

The phone carrier lookup tool uses global carrier databases or APIs to quickly match and identify the carrier associated with a particular phone, allowing companies to use this information to improve their messaging processes. For example, businesses can use this information to optimize SMS marketing campaigns by identifying which carriers offer the most cost-effective routes. Additionally, they can validate the phone numbers they are using by identifying whether they are mobile, landline, or VoIP. This helps ensure that their messages are delivered and that they comply with carrier regulations.

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A reliable carrier lookup tool will also verify other important phone data points, such as line type, location (country and timezone), and the status of a number as being active or disconnected. For example, ClearoutPhone’s phone validation service goes beyond merely identifying the carrier and can also check whether a number is valid, has an area code or country code, and is a landline or cell phone.

Identify the carrier of any phone number with a free, fast, and accurate carrier lookup tool. Validate numbers with a comprehensive phone validation and verification solution that can be integrated into your website, app, or other business systems. Get advanced phone number validation and reputation insight, backed by deep ping checks directly with carrier networks, to instantly detect connected and disconnected lines and verify the status of a phone as being temporary or disposable (a common indication of fraud).…

A comprehensive Financial planning is an essential part of achieving your long and short-term goals. It starts with a meticulous analysis of income, expenses, assets, debts and investments to ensure they align with your overall financial objectives. It also entails creating an emergency savings fund and drawing up well-structured investment plans that grow over time. It provides financial security and prepares you for unforeseen circumstances.

Financial Planning: Steps to Achieve Your Short- and Long-Term Goals

To begin, take stock of where you are now by reviewing your paychecks, monthly bills and bank statements to create a snapshot of your financial situation. This exercise enables you to see exactly where your money is going and helps identify opportunities to make amends. The next step is to prioritize the goals you have in mind for the future – whether it’s paying off debt, saving more or purchasing a home. Once you’ve outlined these objectives, start putting your financial plan into action by setting up automated deductions from your salary to help reach your savings and debt-payment targets. In addition, try to pay off debt before putting additional money into your savings or investments – this method, known as the snowball or avalanche approach, helps you feel accomplished sooner and saves you more in the long run.

You can also seek professional advice from a certified financial planner who specialises in helping you achieve your goals. A financial advisor can guide you through the process and may even help with your budgeting and expense tracking. You can find one through recommendations from family and friends or by using an online database such as Unbiased or VouchedFor.…