Why the Germans Do Not Prefer Electronic Payments

The world of payments is rapidly moving towards the digital options. However, still several customers use cash and they finalized their transactions by using actual cash.

Industry experts are predicting that cash will be obsolete in a few coming years. However, there is a European country which is following a totally opposite trend. In Germany, the use of physical cash is more than any other country in the world. According to a research conducted by Federal Reserve, the people of Germany use cash in 82 percent of their financial transactions. 13 percent of these transactions are executed by using debit cards while only 2 percent of the transactions are carried out using credit cards. Germans keep more cash in their wallets as compared to the amount carried by people in other countries. On average, each German keeps $ 123 in his wallet. As per the research, the average amount kept in the wallet by Germans is almost double as compared to the quantity of cash kept by people in other countries. Americans keep $ 74 in their wallets, on average, while the people of Netherland carries $ 51.

The people of Germany not only like to pay in cash but also, they want complete freedom to do so. A recommendation to limit the use of cash faced extreme opposition from consumers and political experts. According to Guardian's report, there was a ban imposed in Germany on making any payment via cash which has worth more than 5 thousand pounds. The purpose of this ban was aimed at stopping money laundering and the use of cash to support terrorist activities. Such bans are commonly imposed in other countries of European Union but in Germany, this suggestion faced strong criticism by the majority of the political groups.

According to Guardian, the head of Germany's Central Bank, Jens Weidmann said while speaking to the journalist of Germany's newspaper named "The Bild" that if Germans get the impression that the use of cash is going to be graduated in the country, it can Prove to be actually fatal.

Even the newspaper was also against this suggestion. In February 2016, the newspaper published an open letter and urged the readers to sign it and send it to the finance minister.

The commitment of German people with the use of actual cash is so strong that most of the people are storing the cash in their homes. As per Wall Street Journal, the majority of Germans are withdrawing their money from banks and storing it in the safes inside their homes. This trend is so intense that a vault making company reported 25 percent increase sales increase in the first half of the year 2016. Several other companies are delivering their maximum production in order to meet the increased demand of vaults.

Why do Germans Prefer Cash?

Despite the fact that electronic payments have made the things extremely easy for the people, why Germans still prefer physical cash over electronic payment? One reason for this is the security. Germans believe that payments via physical cash are more safe and reliable as compared to electronic payments.

To cater these issues, it is recommended that such a payment partner should be chosen which is compliant with the standards of data security. Moreover, the payment processor chosen by German people should accept some payment options. Online traders can only accept electronic modes of payment, but if Germans are provided with multiple payment options, they can easily choose the one which is best suited to their needs and expectations.

According to the Wall Street Journal, another reason behind German's hesitation regarding the electronic payment is inflation. Because of the negative interest rate implemented by the European Central Bank, the Germans have to pay for making the deposit into the bank. Furthermore, the history of hyperinflation also made the people of Germany reluctant towards the use of online payments.

Because of the fact that the payment systems continue to get more and more advanced, it is expected that with the passage of time, the Germans will also move towards electronic payments, especially when they have to make international payments. Business companies have to work hard in order to reach German people, but these companies should not give up.

Article Marketing

In the present time, people are doing business with the use of internet. Perhaps, you are one of the many people who are interested in jumping in that bandwagon. Nowadays, competition among businesses has grown bigger; That's why a business owner like you should search for and try some exceptional yet cost effective internet marketing strategies. These marketing strategies can enhance and develop your business identity over the World Wide Web.

There are plenty of marketing strategies that you can use. The opportunities are infinite, but you have to pick one that best compliments your business. One marketing strategy that has proven to be cost effective and highly efficient is article marketing. What is more, you can make it more special by adding in search engine optimization.

Search engine optimization is such a unique tool, and one that can be a competitive web marketing strategy. It mainly focuses on getting your website a higher search engine ranking. It does this by funneling traffic to your site by making it show up quickly when a person does an internet search for your niche.

When it comes to a global perspective, search engine optimization can be a benefit to you. What you have to do is to select keywords or key phrases to target potential clients. The search engine optimization will guarantee that your company will be found. Search engine optimization can help reach your potential clients from anywhere in the world.

Another benefit of an article marketing with SEO campaign is that it can increase the number of visitors to your website with the help of the targeted keywords or phrases. The people who visit your website can turn into potential clients; This is what SEO does. This is the only web marketing campaign that can drive traffic to your website. As more people visit your website, the chances of you getting some sales increases. SEO can increase your website's visibility in search engines.

Article marketing with the use of SEO is one amazing marketing strategy. You can get a high return on investment and you can increase the volume of sales and profit. This is one marketing strategy that you should look forward to doing, because it is very cost effective. You do not have to invest large sums of money. You can just bring in a minimum amount of investment, and you get to have a maximum exposure in return.

Your company can succeed in the web economy with the help of search engine optimization. Just remember that you need to come up with articles that people would enjoy reading. You can entice potential clients with the use of your articles. Make sure that you have an article with excellent content. An article marketing strategy is one great tool that will not go away and will be used for a long period of time. It is one effective way of informing your potential clients about your products or services.

It's The Law

Billboards tell us to wear our seat belts because it's the law. I envision a day when prominent signs and ads say: "Your thoughts create your life," and "Like attractions like." We would have constant reminders of the Law of Cause and Effect everywhere we go. Actually, we do have constant reminders of this law wherever we go. In his classic book, The Science of Mind, Ernest Holmes says: "Everyone joins to himself just what he is, and we may set it down that where we are, however intolerable the situation may be, we are just where we belong." I may add that however joyous a situation may be could also be just where we belong.

Charles Fillmore said in his book: Prosperity, "All true action is governed by law. Nothing just happens. There are no miracles. There is no such thing as luck. Nothing comes by chance. Explained under the law of cause and effect. " A Course In Miracles says: "Everything you see is the result of your thoughts. There is no exception to this fact." The Bible tells us that we will reap whatever we sow.

Most of us understand this law academically. The difficulty is in living it consciously. It is a law that you can not break. It is working whether or not you believe in it. You are reaping what you are sowing. Your thoughts, assumptions, beliefs, attitudes and feelings are mirrored back to you in your experiences of life. Why is it that we can pray, affirm, and think positive thoughts and still not experience changes in life that we desire?

The love of God continuously flows through us without our asking. When our thoughts and emotions are in tune with this Divine vibration, we experience joy, peace, and a sense of well being. When we are appreciating, loving, and creating harmony we are in the flow of Divine energy. When we look upon our world critically, fearfully, angrily, or with disappointment we are cutting off the flow. We label something as bad and our being begin to vibrate at the same frequency. I worry about not having enough money and my life experience becomes as one great magnetic field appealing to myself more money problems.

In Science, fields are invisible structures that occupy space and exert influence within that space. My thought forms occupation space creating a field around me. My thought and emotion create energy. My energy flows inward and outward. It flows inward, coloring my interpretation of people and events. It flows outward, looking for that which is in harmony with it, drawing it to me.

We do not merely respond to the stimuli around us; We create the stimuli. I decide what I am seeing, hearing and feeling. Your words to me are an attack, a call for help, or nothing at all depending on the choice I make. This is how my energy flows inward, influencing my responses at the mental, emotional, and physical levels.

Energy flows outward affecting external events. Years ago I was struggling to increase my consulting business. I was having trouble finding new clients. At the same time, I was spending time and energy looking for a full time job. I was afraid that my consulting practice would not increase. I was stuck, unable to increase business and unable to get a job.

My energy was flowing in two opposing directions. I really did not want a job. Conflict and fear in my thinking and emotions created a field of confusion. Finally, I made a decision to stop looking for a job and to commit to my consulting practice. I focused my energy on what I really wanted. I thought about how wonderful it would be to be successfully self-employed. Within two weeks I received a call from a client who offered me a large, well paying project. They happened to find a piece of paper with my name and number on it in an old file cabinet.

Fear is a focus on what is not desired. A focus on what is not desired puts us in vibrational harmony with what is not desired. We fill our field with thoughts and emotions that serve as attractors for exactly what we do not want. At the same time, the love of God is flowing to us. It is not appealing our heart's desires to us because we are cutting off the energy with our fearful thoughts and beliefs.

I may think: "Would not it be wonderful to have a successful business? Would not it be great to have more friends? Would not it feel fantastic to be more healthy? These thoughts and emotions begin to build a field for me As I lovingly hold my vision, the love of God flows into my field ever creating the desired effects. My appreciative energies serve as attractors, structuring my field of experience.

Often we follow up our loving thoughts with thoughts of doubt or fear. Old emotional tendencies kick in and take over. Let's say you want a new relationship and you create both the partnership and the loving feelings in your mind. Soon old fears take over. Your tendencies to feel lonely and to feel bad about past failures cut you off from the love you felt a few moments ago. You want to get rid of these tendencies but you have trouble letting go of the payoffs you're receiving for staying right where you are. It's safer to be alone. It's easier to not try than to fail again.

There may not be an exact formula to change our fields in order to experience greater well being. This is what I use:

1. I identify what I do not want.

2. I identify, specifically, what I do want.

3. I identify the feeling of well being that comes to mind when I think about what I want.

4. I choose which feeling I wish to create (the feeling that comes from living with what I do not want or the feeling that comes with experiencing what I do want?)

5. I make a commitment to what I want, and become what I want. If I want a loving relationship I need to become one who relates lovingly. I need to think, visualize, walk, talk, and feel as if my vision were already here.

6. I trust Spirit to deliver that which is highest and best for me. I am unattached to specific results trusting Spirit to decide.

Ultimately, the specific things and situations we desire are not what is important. It is the creation of an enhanced state of well being that matters. As we create this state we create a field of well being around us. This field influences all who intersect it, assisting them to create greater well being, too. The love of God, as true cause, flows through us, creating conditions that enhance joy. This is the only way to positively change ourselves and the world. It's the law.

The L Steps – 6 Steps of Real Estate Investing

Real estate investing in Miami real estate is now becoming popular again as there are many properties in foreclosure, short sale, bank reo's, and government foreclosures. With such an overwhelming inventory of homes available for sale a real estate investor must be able to determine which one to purchase. Investors must follow six steps in order to learn, understand and achieve Miami real estate investment success.

These are the six L steps to Miami real estate investing:

1. Location – Location, location, location is still the key of buying Miami real estate. Buying Miami real estate just because the price is low in a declining area is big mistake that should be avoided. Look for homes in an excellent location like, good schools, economic stable and growing neighborhoods, near shopping centers and malls, near bus stops and metro rails, near hospitals and restaurants. Sometimes it is better to pay a little more for a property in a good location than getting a bargain in a place where it is very hard to sell or rent the asset. Location is often overlooked in purchasing real estate as many investor think they can exceed a bad location if the price is low enough. Out of two homes that are exactly the same, the one in the best location will command a much higher sales price and rental income. Location is the number consideration when purchasing Miami South Florida real estate.

2. Long Term – Real estate investing is a long term proposition. Do not think you are going to be a millionaire over night. It takes years of hard work and dedication in order to succeed. Hold any property at least one year before selling it. Capital gain taxes will be greatly reduced. Consider renting the property for at two or three years. The rental income generated will help you to properly repair and renovate the property. Many investors purchased properties in the middle of real estate boom with no money down and no equity. These investors were thinking of flipping the houses fast and making a killing in the process. Many homes now in foreclosure are due to investors that were caught in the middle and now realize that real estate investing is very hard to time. Long term Miami real estate investing is the secret to a successful real estate career.

3. Lease Option – Never rent a property with a lease option to buy. Either sell or rent it straight out. A lease option is usually a disaster for both buyers and sellers. The tenant will demand a large discount of the rent to go towards the down payment and closing costs. The problem is that tenant will not buy the property at the end of the lease and the landlord / seller will have wasted a lot of money in rebates given to the tenant / buyer. Demand a 20% or 30% deposit from the tenant / buyer and a clause in the contract that if they default on the purchase they will lose the deposit. This technique will force the buyer / buyer to purchase the property or lose the deposit. The risk of losing the deposit will eliminate the tenant from taking advantage of the landlord by walking out of the contract after receiving a monthly rental discount.

4. Local – Buy real estate close to where you live. Do not buy real estate in another state or in another country. Keep real estate investing local. Buy in your own county and in your city. The more you know about the area where you are buying the better the decision will be. The investor should always be close to the investment property. The Miami real estate investor should inspect the property often to determine any repair, roof and other problems. The landlord must inspect the property every month when collecting the rent. Check for the number of tenants actually living in the property, check for damages and destruction of the property and overall condition of the place. The investor / landlord will not be able to inspect and determine the condition of the property if it is located far away. Keeping real estate local is an essential step in real estate investing.

5. Leverage – Most real estate books and seminars tell you to use other people's money when purchasing real estate. This technique is not the best and buyers should try to buy the property in cash if at all possible. Buying a house in cash will help you get a better deal and allow you to negotiate from a position of strength. A cash buyer will always have the upper hand in negotiating with banks, property owners, and other sellers. Cash buyers will not suffer and go into foreclosure if the market turns and they are unable to sell or rent the house right away. Like Dave Ramsey always says "cash is king and debt is dumb". Buying an investment property in cash is an excellent way to avoid Miami real estate investment mistakes.

6. Learn – Research the property and learn everything about it before you buy. A mistake in Miami real estate investing can be very costly. Usually you make your money when you buy not when you sell. Buying the property at the wrong price the wrong place and at the wrong time could be detrimental. One mistake could wipe you out and put you out of business before you start. Ask questions to the experts, real estate agents, appraisers, mortgage brokers, and other real estate investors. Learn, research, educate yourself in all aspects of real estate investing before you purchase the asset.

It is definitely a buyers market in Miami-Dade County. Miami real estate investors have more choices than ever before when it comes to real estate investing. Investors must follow the L steps, the 6 steps real estate investor guide to successful real estate investing in order to achieve their investment goals in the Miami real estate market.