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Canadian Infographics & Data Visualization

Credit or Debit Card? Choose a Chip Card!

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The choice between a credit and debit card depends on a number of factors, but security is a major consideration. The main risks associated with debit cards are identity, ATM, online, and in-person fraud. Credit card fraud also occurs. Last year, consumer data was stolen from the databases of the online giant eBay, prompting MasterCard and Visa to double their efforts and enhance consumer protection. Both debit and credit cards will come complete with microchips that are more difficult to replicate than magnetic strips. In fact, it is close to impossible to copy a chip card, whether debit or credit. In-store transactions are safe for customers, but online transactions pose some risks. Unfortunately, online fraud is still a concern.

Credit_vs_Debit Cards

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Small Business Marketing – Do They Have the Budget?

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Small business owners have it tough. The failure rates for small business in the first couple years is so high, that many are discouraged before they even start. For those that do make it past the initial years, they are constantly faced with new challenges as their business grows.

One of the more neglected areas of the small business journey is a properly planned and executed marketing budget. Marketing plans are great, and general business budgets are great, but the two should be beautifully fused to tie in the marketing plan with business goals and the business budget. Instead of dedicating whatever is left over to their marketing spend, business owners to take a day to review their plan for the year ahead to maximize their marketing ROI and personal happiness.

Small-Business-Marketing-Budgets

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Bitcoin vs. China: Who’s Going to Win

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It was in 2012 when the first taxi service began to accept bitcoins and the first bitcoin lawsuit took place. The new stateless currency is rising in popularity. Experts, however, warn that it is a volatile asset to invest in. The value fluctuates, and during April 2013 alone, it dropped by 70 percent. At the same time, a growing number of retailers began to accept bitcoins. They see them as a way to increase their sales volume and avoid hefty transaction fees. So far, over 2,200 companies worldwide accept the new currency as payment. For them, cashing out is important because businesses need cash to pay suppliers, rent, and bills and meet payroll. Critics are still skeptical because China barred banks from accepting bitcoins. Given that China is a major player on the global markets, the future of the stateless currency is uncertain.

bitcoin-infographic

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A Gold IRA to Retire Worry-free

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A gold self-directed individual retirement account allows holders to grow their savings by owning precious metals. There are silver and gold rollover IRAs that offer protection against economic recessions, currency fluctuations, and hyperinflation. While gold is a high priced metal, silver is more affordable and therefore more accessible to investors. Wise investors add both silver and gold to their portfolios because the value of precious metals fluctuates. Portfolio diversification is the sought outcome. Of course, there are other vehicles to invest in, including mutual funds, bonds, and stocks. But precious metals consistently outperform other investment instruments. A number of factors help explain the fact that gold prices fluctuate. But the value of gold will increase as long as the world of finance is based on economic uncertainty. And there is an instrument to protect your retirement savings!

american-bullion-gold-ira-infographic

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Money in Individualistic and Collectivistic Societies

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Albert Camus, Jane Austen, Woody Allen and other famous philosophers, scientists, business people, and thinkers define the meaning of money and wellbeing. In a consumer society, competition and consumption drive economic prosperity and social welfare. There are individualistic and collectivistic cultures. Individualistic cultures are characterized by self-reliance, pursuit of career and financial success, and fierce individualism. Collectivistic cultures value interdependence, mutual support, and social networks. There is a difference between other-focused and ego-focused emotions. The Japanese are loyal to their employer and often work for the same company their whole life. And the company offers many rewards to the employee – paying rent, offering excellent working conditions, and providing financial incentives. Individualistic cultures encourage competition. These are two opposing views on loyalty, financial success, career development, and other values. Which one is better? Depends on where you grew up. And whether you meet and get to know people from different cultures, backgrounds, and walks of life.

FinancialQuotations_Infographic

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