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I always have this problem and getting tired of it . every time i top up my phone turns off and it says that i have no funds. and also i cant even axsess my voicemail and im paying for the service

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Contact the app support, it might be a bug.

Posted on Jan 21, 2013


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Posted on Jan 02, 2017


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Tips for First-Time Investors in Mutual Funds

Before choosing a mutual fund, as with any investment, it's always important to do your homework:
Pay attention to fees. Some may be as high as 2%.
Diversify if possible.
Allow for annual adjustments, don't just set your mutual fund. Invest time to study your fund's performance and make changes as necessary.
If you have a short-term goal, pick a debt fund. Long-term investors can choose more equity than others.
Always balance risk and return. Think about the level of risk you are willing to take with your investment. In theory,
avoid funds that have only recently been doing very well for a a short period of time. It will most likely not do as well later on since it is unlikely to keep up such a strong performance. Instead, look for funds that consistently rank highly.
Don't be too quick to get rid of a fund that starts to lose money unless the losses have been consistent. Otherwise, hang in there, and give it time to imprtove. All funds are bound to have an off-year.
Analyze the funds expenses and fees, Fees can have a serious affect on the returns you will get on an investment. Search for mutual fund cost calculators online to help you with this.
If you need to earn money relatively quickly, say within a year, you should avoid investing in volatile funds, which are far less reliable. These types of funds usually require some time before they earn you money.
Ask if there have been any recent changes in the mutual fund's operations: Have strategies or advisers changed? (This is especially important if the manager responsible for a successful performance is no longer managing the fund.) Has the fund merged with another fund? All of these factors can affect perormance, so make sure you are well- informed.
Find out out how easy or difficult it will be to buy and sell shares and whether there are fees for doing so. In general, anything that will require extra work from the fund manager ( for instance working with overseas funds) will probably incur a higher fee. Check if any special services such as toll-free numbers or automatic investment programs are offered.
I hope you found these tips helpful!

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What are Fixed-income funds? Are they very risky?

Fixed income funds tend to make up a significant part of peoples' investment portfolios, because they are less volatile than other types of exchange traded funds and offer more secure income, although the returns may not be as high as other, more risky fund options. Always get good financial advice before you commit to anything.

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I want to start a youth enpower seif help organization and i dnt have capital to do that

You should first make a detailed business plan, including a budget to figure out exactly how much capital you will need.

Next, look into government grants and loans. Many states provide funding for specialize businesses like yours. Federal funding may also be available.

Once you have worked out the details,you should research crowdsource funding as well. Tell people what you want to do, how you plan to do it and where exactly their money will go.

You always set a funding goal, but all crowd funding platforms work a little bit differently. For example, kickstarter only collects money from your investors if you reach your funding goal. Indiegogo gives you the option to keep the money at a higher cut if you don't reach your goal. Pave focuses on investing in individuals, but is more closely related to traditional lending: you pay your investors back with percentage of your earnings.

Get started by viewing the links below:

Alternatively, you can always look to traditional bank financing. Talk your bank or do a little research online to see what your options are.

Good Luck!

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