Posts in Category: Blog

Agriculture Contracts On A Digital Currency Platform?

Digital currencies are known for their cutting edge technologies and innovations to the current financial system. But, what happens when you mix a digital currency with an ancient industry like agriculture? You get an interesting and possibly a very profitable vehicle. A few months ago Nofiatcoin (XNF) launched its agriculture contracts on The contracts offer a 20% return on investment, a nice percentage compared to what most financial vehicles offer now days.  

Why Agriculture? As it turns out, agriculture investments offer many benefits unfamiliar to the typical investor:

Value is driven by demand not by financial markets. There is no need to worry about market volatility.
Demand continues to increase, as world population continues to grow.
Production of annual/seasonal income.
Hedged against inflation like most digital currencies.
Reduced risk on investment as many governments have established laws to “secure” revenue.

Let’s go over the current and future agriculture offerings on



Rice is a carbohydrate-heavy crop originating in Asia that has been cultivated since ancient times. It is one of the world’s top three staple foods. A significant proportion of the world’s population relies upon daily supplies of rice to avoid starvation.

Rice is undoubtedly a profitable crop to farm and grows best in tropical to sub-tropical climes. Successful rice growing nations tend to form a band running above the equator, straddling the Caribbean and Iberia then across to India and China.

The two biggest rice producers are China and India, but they are also its biggest consumers and therefore weak exporters. Perhaps surprisingly, Vietnam and Thailand are relatively low producers of rice but they are among its biggest exporters. The United States is also a large exporter of rice, but consumption and production are relatively low. The fact that some low producers of rice are among the biggest exporters suggests that demand in Asia is not being significantly met.

China and India together account for almost half of the world’s population and their growing influence and development suggests that their demand for rice will continue to grow. This is reflected by the recent reduction of rice exports from China and booming prices. The commodity has already doubled in value over the last 4 years due to rising fertilizer costs and low Asian yields caused by climatological issues. Asia needs its dwindling rice stocks for its own people and we can likely expect prices across the rest of the world to increase further.

Additionally, global rice stocks are at a current low due to a bull run on other staple foods such as wheat. This has led to some rice farmers opting to plant wheat instead and may create a massive price spike if stocks continue to decline.


Tomatoes are the second most important vegetable crop next to potato. Tomatoes prices have followed in the footsteps of many other food stock commodities such as wheat and corn for many of the same reasons: increasing prices for energy, farming chemicals, water, and labor have all contributed.

Presently, the world production of tomato is about 100 million tons fresh fruit produced on 3.7 million hectares. Tomato production has been reported for 144 countries (FAOSTAT Database, 2004), the major country being China in both hectares of harvested production (1,255,100 hectares) and weight of fruit produced (30,102,040 Mt). The two leading countries in fruit yield per hectare are the Netherlands (4,961,539 Hg/ha) and Belgium (4,166,667 (Hg/ha) (FAOSTAT Datebase, 2004). The top five leading fruit-producing countries are the United States, China, Turkey, Italy, and India.


Peppers have remained one of the most promising non-traditional export crops as it can be used in many different ways, however it is mainly used fresh in cooking as a spice and in the manufacture of sauces and seasoning.

In the last years, demand for peppers and pepper-based products has increased significantly around the world. The non-pungent form, Bell pepper, is widely used as a green vegetable while Hot or Chili pepper is one of the best-selling condiments.

International Pepper Community (IPC) figures showed that global pepper consumption grew at an average of 4.8% per annum during the 2001-2013 period compared with a mere 0.3% increase in average yearly production.

Following a five-year bull run as the world’s annual consumption of the spice continues to outpace production, domestic and global average monthly pepper prices have soared to their fresh historical highs.


Passionfruit is a non-essential food and therefore considered a luxury commodity mainly consumed for its taste. As such, the market for passionfruit is more volatile than the rice market but the potential for profits can be greater.

International prices fluctuate wildly during the course of a year depending upon yield, quality and freshness of the harvest. The market can easily move between $17 and $90 per crate throughout the growing season. In September and November when little fruit is harvested the price tends to be at its highest. It dips during July and August when harvesting is at its peak and a great deal of fruit becomes available.

The biggest producers of passionfruit are the South American nations with Colombia and Brazil topping the list. However, neither of these countries can keep up with internal demand and export very little. The US market for fresh passionfruit is weak outside of the south-western states. However, in Western Europe, Asia and Australia the fruit is more popular and supermarkets desire regular supplies of fresh fruit. Because there is a global shortage of passionfruit, this demand leads to bidding wars between major supermarket representatives and an incredibly competitive market.

Passionfruit is generally considered a profitable crop to farm. The expectation is that it will become more so due to a rising middle-class in the BRIC countries increasing demand on stocks that are already low. The Kenyan government has recently announced plans to streamline its passionfruit production to capitalize on potential future interest in the crop.


Despite the popular belief that the fruit is South American, both the plantain and related banana originate in South-East Asia. However, they are grown heavily in the southern Americas because they thrive in tropical humidity.

The plantain is the world’s tenth most important staple food. It is a good source of carbohydrate, fibre and vitamins. The plantain fruits year-round which has led to daily consumption in South America and Africa where demands are extremely high.

Following initial investment, plantations are extremely rewarding in terms of yield. Like banana trees, plantain ‘trees’ aren’t actually trees at all. They are giant herbs, and like herbs are extremely prolific germinators. The mother plant will not only flower and give out plantains all year but will also produce plantain ‘pups’ which are young plants that soon turn into producing mothers.

The plantain market is strong and represents another situation where demand outstrips supply. In Africa the price of a bunch of plantains has tripled since 2011 and governments there have expressed concern that if global supplies are not increased to meet demand there may be starvation and rioting.


The goat is a livestock commodity with several important uses for humanity. They have been farmed in the middle-east since the dawn of civilization and the tradition has spread worldwide. Along with sheep, goats have cultural importance to many peoples and represent the quintessential animal husbandry tradition. The family goat remains a good source of income for many in developing countries to this day.

They are hardy, intelligent and aggressive animals that prefer mountainous regions but thrive almost anywhere, either alone or in flocks. They can eat practically anything and as such are often used to clear coarse scrub that other animals cannot eat; this increases their rural value as biological ‘lawnmowers’ who clear land in preparation for crops. This hardiness makes them easy to keep and a rewarding livestock investment. The goat lives for twenty years on average and reproduces at the rate of two kids per year. An initial investment in four goats (for genetic reasons) should create a sizable flock that grows exponentially during their lifespan.

Goats are valuable either living or dead; they are prized for their meat, milk, manure and their hides. Each of these is usually traded separately on the stock market and there is also a trade in live animals. Demand for meat is strongest in India where there is currently a population boom and we can expect prices to increase there. The market for goat’s cheese and milk is currently seeing a Western resurgence due to desires to move away from the more fattening and allergy-forming cow’s milk. Markets are incredibly vibrant, and with ten thousand years of trading history it is unlikely that any goat-related product will go out of fashion.

As seen, all of the investments on offer are viable for different reasons. The opportunity to take part in these global markets is undoubtedly an interesting and exciting one. If not for innovation, then the XNF team should get the prize for creativity. In a market that is becoming saturated with coins that don’t offer much more than the existing ones, we commend those teams, established and new ones, that strive to stand out and offer additional value to their customers.

How to Create Wealth Investing in Real Estate

Investing in real estate can be a lucrative pursuit. Many of the world’s wealthiest individuals got their start by investing in real estate. Of course, real estate investing is not easy. You need to know what you are doing. Keep reading our guide to learn how you can create wealth by investing in real estate.

What is Real Estate Investing?

Simply put, real estate investing is the process of investing in real estate properties such as houses, offices, or other buildings. Investors will buy a property and then rent it out or hope that the price of the property increases in value.

The basic principle of real estate investing is to make money by purchasing properties at below-market prices, managing them over time until their worth appreciates, and selling them for profit. Another approach is to invest in real estate through flipping houses-buying, renovating, and reselling the property for a profit.

The following are some of the advantages to investing in real estate:

– You can make money from renting out your properties or waiting until they appreciate in value.

– It is less risky than other investments because you have control over how much risk there is.

– You can take advantage of historic preservation tax breaks.

– Your income is stable because it does not fluctuate like stock prices do, for example.

How Do Real Estate Investors Make Money?

Real estate investors can make money in two ways.

  1. Renting property and collecting a profit
  2. Flipping properties for a profit

In the first case, you can rent out a property and collect profit by collecting rents on time. You will pay a mortgage, charge a rental fee, and pocket the difference.

In the second case, you can purchase a property below market value and then renovate it. You will renovate the house to make it nicer and sell it for more than what you paid. For example, if you buy a home for $200,000, invest $20,000 in renovations, and sell it for $250,000, you made a $30,000 profit.

How Much Money Do You Need to Start Investing in Real Estate?

Real estate investing may seem expensive, but it doesn’t have to be. You can start investing in real estate with as little as $500. If you want to be more sophisticated, then the sky is the limit.

The amount of money that you need depends on how much risk you are willing to take and how many properties you plan to invest in at once. Generally speaking, if your investment strategy involves investing in a lot of properties-either for flipping or renting out-then it will take more money.-

What Are Some Tips for Successful Real Estate Investing?

If you want to become a successful real estate investor, you need to have a good strategy. Here are some tips for becoming a successful real estate investor.

– Have a goal. Decide how much money you want to make and how long it will take before deciding which strategy is best for you.

– Know your budget. You need to be able to afford the properties that you choose or risk overcommitting yourself financially.

– Get educated with real estate investing books, podcasts, courses, and seminars.

– Get a mentor who has experience in real estate investing and can give you advice based on how much money that person is making per year.

– Start small to test the waters before risking too much of your savings or leveraging yourself with loans for bigger investments.

– Build credit so that you have more options when it comes to how you want to fund your investments.

– Choose the property type that is appropriate for you such as apartment buildings, single family homes, or office spaces.

– Invest in properties near where you live so that if something goes wrong with one of your investments, you can maintain control over how much risk there is and how close it is to where you live.

– Be realistic about how much time will be required to manage your properties and how often you are willing to spend on managing them.

– Consider the amount of risk that you want in your investment strategy before deciding how many properties or how big an investment it is worth making for a single property.

How Long Does it Take to Create Wealth With Real Estate Investing?

Creating wealth from real estate doesn’t happen overnight. You need to spend some time to build your portfolio. You can start to make money right away, but life-changing wealth takes time to build. How much money should you expect to make from real estate investing? Here are some considerations.

– The more properties that you invest in, the less time it will take to build wealth.

– The larger the down payment that you make on a property below market value, the sooner your money starts working for you.

– A good strategy is to start small and use profits from those investments to purchase bigger ones until your portfolio size becomes how much you want it to be.

– The more risks that you take, the less time it will take to build wealth if things go well.

For example, investing in cash flow properties can create a lot of wealth quickly because when tenants pay their rent on time every month and mortgage payments are made regularly per year, then your money will work for you.

Growth Investing Principles

When it comes to building wealth in the stock market, there are various ways and methods. You may already have tried different methods, but it seems that you are in a dead end. However, it is definitely possible to generate millions when trading stocks.

There are different types of investors, and everyone has its preferred investment option. For instance, income investors prize dividends the most, and value investors prefer buying stocks which trade under their initial value. Alternatively, growth investors focus on buying companies which have the best upside potential and aim to de-emphasize regular valuation metrics that commonly display a growth stock to be more expensive than the current earnings of the company. So, buying the proper firms during their early phase can generate huge fortunes for growth investors.

Growth investing can be great for generating high returns, but first of all, it is essential to understand what growth stocks are and if, given your specific circumstances, they are adequate investments. You can also use service like Motley Fool’s stock advisor to find these stocks. Day Trade Review provided an in-depth review of the premium stock picking service.

There is no miracle solution or method to guarantee returns with growth investing, especially when the company doesn’t meet the expectations. Yet, if you want to increase your chances of success further, you should definitely look for the following traits in your next potential company (or companies):

1. An Expanding Market Opportunity

For decades, the biggest growth stocks have increased their top line at a two-digit rate. Blue chip companies with the highest revenue on the market further increase their income by attacking enormous market opportunities.

There are various examples of successful growth businesses that are pursuing huge market opportunities. For instance, Tesla’s venture into the automotive industry and’s aim to disrupt the world from retail. Each one of these companies generates trillions of revenues in annual sales around the globe, which in return will further increase their success chances for future growth.

 Besides, a key point of a company’s success is expanding its addressable market opportunity throughout the years. It can be achieved by implementing different services or products in new business segments as it has grown. Tesla and adopted this strategy, as well. Tesla was mainly founded to manufacture automotive products, but it has expanded its market opportunities throughout the years, and now it sells energy storage systems. As for, it began as a web retailer but now has a prosperous web services business. 

“Optionality” is the company’s ability to enter nearby businesses, and it is a crucial factor that every growth investor should take into account when considering a potential growth investment. 

2. Durable Competitive Advantage

One of the investment tenants of Warren Buffet is to purchase businesses with a strong competitive advantage, which he calls it the “moat” of a company. A company simply can preserve its competitive advantage over its competitors for an extended period, thereby protecting its profits from capitalism’s forces.

Warrenn Buffett Investments

Also, there are four main types of competitive advantage:

  • Intangible Assets: They are physical and measurable assets which are used in the operations of the company. These assets can be trade secrets, patents, and regulatory protection. Tiffany’s & Co is a great example. This company uses its brand name to convince the customers to pay more on its premium jewelry.
  • High switching costs: If the switch to a competing product is expensive, customers tend to remain loyal to their current company even when there is a rise in the price. A great example of high switching costs is consumer banking.  
  • Low-cost producer: If a business enjoys scale, technological, or geographic advantage in which it can produce good product or service for a lower cost than its rivals, it can charge a lower price and still generate high revenues. Walmart is an excellent example of a low-cost producer; it has an efficient supply chain and enormous buying power to sell services and products with a much lower charge than its rivals.
  • Network effect: If a new customer joins a network, an additional value is added for all the other members of the same network. For instance, the rise of social media can be linked to the network effect directly. The more users post media or links on a social media site, the more there is users’ appeal, and the more useful the platform is for the public.

When looking for your next big growth stocks, make sure to look for at least one of these competitive advantages. It will undoubtedly increase your chances of success and will yield great results and revenues.

3. Financial Resilience

When it comes to the economy, every company will face ups and downs throughout the years. Even blue chips can face hard times. That is why it is always better to favor growth companies that can fund the needs of their future growth with internally generated revenues rather than depending on functional financial markets.

Alternatively, it is recommended to avoid growth companies that are depending on a continuous stream of acquisitions or operating at a loss. When a company is operating at a loss, it will continuously have to tap shareholders for new capital to keep the doors open, which will certainly lead to high dilution level that will ultimately mute future revenues. The same situation goes for no-growth or slow business as well, which depend on acquisitions to post growth. The purchase of other companies directly can be expensive and often require the buyer to issue new shares or take debts to help with funding the deals.

These companies eventually rely on a factor beyond their control (a high stock price or functional capital markets) which may stop their growth if the economy sputters. 

Pandora Media is an excellent example. Even though it has a fine brand name and has remarkably expanded its profits for many years, hundreds of millions of dollars are consistently lost annually. That’s what led the company to dilute shareholders with the offerings of secondary stock and tap the debt markets for new capital.

4. Business Model of Repeat Purchase

Attracting new customers to a company is difficult and costly. That’s why selling services or products to existing customers is far better for a business to make money instead of relying on a never-ending stream of new customers to increase its growth. 

That’s why companies like Fitbit and GoPro were once top growth companies and now turned into losing investments. They both sell long-lasting electronic devices that negate the need to make a second purchase by the existing customers. As a result, these companies are in a constant need to drive more new customers to generate year-over-year growth. It was certainly possible before when they were small, but it is now getting more challenging with the expanding number of competitors and the saturation of the initial market niche.

GoPro Stock

Alternatively, an exceptional example of the repeat purchase business model is Starbucks. People don’t just jump from one coffee shop to another. If they like a place or a brand, they stick with it for life. Knowing that Starbucks already has a huge fanbase and a growing following, it’s easy to see why existing customers won’t be replacing it any time soon.

5. Strong Appreciation of Past Price

You should look for companies which have strong earnings growth during at least the past ten years. Besides, the minimum EPS growth depends on the company’s size. For instance, you may look for a growth of 5% or more for businesses that are larger than $4 billion, 7% or more for companies in $400 million-$4 billion, and 12% or more for the ones under $400 million.

The fundamental idea is that winning corportaions are likely to keep on winning. So, you should start looking for companies that have already beaten the stock market.  

6. Excellent Business Culture

Due to the fierce competition between the different companies of the same industry, every business is regularly looking for highly talented employees to secure its valuable position on the stock market and satisfy the needs of its customers. This business culture is very crucial and a key factor for every company’s success.

You can look for a review of a company’s employees with a simple search on the internet. Having a look at the different reviews will provide you with a better understanding of any company’s culture.

7. Talented Leadership

The final, yet the most important principle you should look for in a company is a dedicated and talented CEO who is sincerely committed to the mission of the company and is highly motivated to turn the business into a success.

You should look for potential leaders in the different business that will not only provide a better future for the company but also increase your chance of generating high revenue with growth investing.

There are various leaders (whether they are founders or co-founders) who succeeded in turning a small business into a blue chip — for instance, Jeff Bezos at, Mark Zuckerberg at Facebook, and Reed Hastings at Netflix.

Furthermore, you can look for any potential leader on the internet, and you can have a better understanding about his/her current status in a particular company, education, work experiences, and major achievements. Also, look for videos where he/she gives does a presentation about the company’s service and product.

Additionally, check the company’s inside ownership rate to know if they own a lot of stock personally and aren’t working to earn a pay package.

Does the leadership team have a significant role in the company? Or are they selling the growth stock as soon it vests? You can find the answers in the SEC filings (look for recent Form 4s and DEF-14A).

Final Thoughts on Growth Investing

A successful strategy for growth investing is a long-term play. Make sure to follow the different principles listed above and opt for companies with products or services that you genuinely believe in and be ready to hold them through the up and down cycles of the market.

Basic Investments That Every Entrepreneur Must Make

Starting a business usually involves many investment decisions. Like a great ocean liner, from the time of opening and through all stages of growth, constantly needs to review and stay the course. And for that, we share at least 7 key investments that every entrepreneur should do to take your business to success.

Invest in training for yourself. One of the most important characteristics of a good entrepreneur is to know the business and for that you must train you. There are many important issues that you manage to develop your business such as administration, finance and accounting, electronic commerce, sales and others. Make sure you always reinvest a percentage of your profits in better prepared, and of course this also applies to staff in all areas. Have you considered the possibility to improve your English? or how about something about How international trade?

Investing in a website. It is said that today’s businesses that are not on the internet is as nonexistent, and although I personally think a somewhat extreme statement, if you believe that the presence of a business on the web is important. The good news is that riding a page with basic information about your company or business does not require a lot of money because there are many free resources for it.


However if you need to pay a few hours to a technician who is familiar with the subject and help you to do the job. However it is long-term investments that will pay off attract customers not previously imagined.

Invest in quality staff. Depending on the size of your business partners will need eventually and will then be time to invest in human resources. It also says that large employers are always surrounded by people “smarter” than them. If you need a secretary, an engineer, a salesman or an assistant, make sure you invest in very intelligent people who do not grow your business and otherwise.

Invest in developing corporate vision. If your company has 100 employees, 15 employees and only 2 (you and your wife), also need a long-term. Why? because “he does not know where you want to reach, any road will take you.” The vision and mission of a company must be printed in the heart of its directors and employees. Occasionally hires a good motivator to help your organization maintain clear destiny, goals and business objectives. Motivation is the fuel that makes humans continues forward.

Investing in recognition. One of the major motivations of human beings is that our work is recognized. An employee who receives a token of appreciation for his work, probably work harder. Make a recognition culture in your organization by investing regularly (say every 2 or 3 months) in a program of recognition for the effort, values, and excellent results.

This is especially important for the sales force, production staff and in general for every employee that has to do with the scope of objectives.

Investing in growth. A safe and healthy company is one that meets two criteria: their debts are minimal and in control and that their profits are maintained and reflect a percentage of monthly growth. But this requires also invest in both. Be sure to use a percentage of monthly earnings to pay off debts as soon as possible and second, another percentage to reinvest in growth and development, whether machinery, equipment, infrastructure, etc..

It is said that the success of Japanese companies is their enormous capacity to reinvest the profits of the business to the point that barely receive a minimum wage for years until companies become corporate giants.

Investing in social assistance. One of the noblest purposes of free enterprise is to contribute to a better society. This through to jobs, providing products, provides solutions and lends a hand to provide the basic needs of their community. There is a secret key or difficult to explain the fact of helping others, but I can sum the resulting effect in one word: prosperity. To the extent that we schedule our endeavors to contribute to a better society, our businesses also improved.

As you can see the 7 investment tips are not directly related products, machinery or furniture, but most certainly represents a solid foundation for big business.