Darcy Bergen Discusses Options for Low-Risk Investors

Financial planner Darcy Bergen recently discussed options for low-risk investors. 

The COVID-19 pandemic has made many people hesitant to invest in the stock market. However, financial planners like Darcy Bergen explain that not all investments need to be extremely risky. There are plenty of low-risk options that allow you to invest and build your portfolio, even during times of uncertainty.

“Low-risk investments may indeed result in lower returns throughout the investment,” Bergen said. “However, they can be extremely beneficial for some individuals, especially in difficult financial times like these.”

Darcy Bergen added that low-risk investments provide numerous benefits. They can provide steady income and preserve your capital. Several low-risk investment options have recently been praised by Bergen as well as numerous reputable sources, including Forbes, Bankrate, and more.

“An excellent low-risk investment option is a high-yield savings account,” Darcy Bergen said. “These provide a decent return for your money while protecting your capital. Best of all, savings accounts are completely safe, because they won’t allow you to lose your money.”

Bergen added that most bank accounts in the United States are government-insured up to $250,000. That provides an additional level of security if the bank ceases to exist.

Another low-risk investment option backed by Bergen is money market funds. These funds include several low-risk investment options pooled together. They are generally sold by mutual fund companies and brokerage firms. These funds are liquid, so you can take them out at any time without being penalized. They also tend to be viewed as safe investments by most financial planners and expert investors. 

“Corporate bonds are commonly viewed as risky, but there are many low-risk options as well,” Bergen said. “Corporate bonds can be low-risk and beneficial if you’re a wise investor choosing bonds that are expected to mature within a few years. Long-term corporate bonds tend to be sensitive to interest rates and long-term changes, but shorter-term bonds can be low-risk investments that provide return.”

Bergen suggested speaking with your financial planner about options regarding corporate bonds. While this option is not entirely risk-free, high-quality corporate bonds from reputable companies can help diversify your portfolio while offering returns. 

Bergen concluded by suggesting fixed annuities as low-risk investment options that can also provide income. Fixed annuities are contracts with insurance companies that pay you over a certain period in exchange for your upfront payment. This option can be especially useful for retirees, as you can make the upfront payment now and begin taking the income out upon retirement. You may also decide to take your income immediately. 

“Annuities allow you to increase your income over time in a way that is tax-deferred,” Bergen said. “They can also come with guaranteed minimum payouts, death benefits, and other benefits.”

Bergen suggested meeting with your financial planner to discuss if fixed annuities could be a smart low-risk investment option for you. Fixed annuity contracts can be difficult to understand and loaded with fine print, so it’s best to review your contract with an expert before making any decisions.

Darcy Bergen is an experienced financial planner with decades of experience in the field. He currently runs Bergen Financial in Peoria, Arizona, offering his expertise to clients near and far. 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a Registered Investment Advisor. Sub-advisory services are provided by Advisory Alpha, LLC, a Registered Investment Advisor. Insurance, Consulting and Education services offered through Bergen Financial Group. Bergen Financial Group is a separate and unaffiliated entity from Simplicity Wealth and Advisory Alpha.

Nils Larsen Sea Captain: The Importance of Exploring Antarctica

Nils Larsen, Sea Captain, was the first person to step foot onto Peter I Island in a century. Peter I Island is a remote island in Antarctica that is hard to access yet he was able to achieve it.

Nils Larsen was a Norwegian Sea Captain who was well-known for his exploration of Antarctica. He was the captain of hundreds of ships and held the position of the first mate on many Norvegia Expeditions of Antarctica. Even though he was born in 1900 and died in 1976, he knew the importance of exploring Antarctica then and what it would mean today.

Sea Captain Nils Larsen knew the information that scientists know today, including the fact that Antarctica plays a central role in the Earth’s system. This means that the Southern Ocean is the one that connects all the oceans throughout the world. Also, the Antarctic ice surface is not only the largest storage of fresh water in the world but also has highly reflective properties for solar radiation because it is so cold and provides almost 60 miles of sea level. It has so many properties that are very unique and can help all of us in combating the climate change that is already happening due to the creation of the issue by humans.

Nils Larsen Sea Captain made many trips to Antarctica because of its importance to the world as a whole for a variety of reasons and knew the area had many important characteristics that it could reveal to the world. For instance, it can show scientists how all of the components that the earth comprises, including water, solid earth, water, and the earth’s biosphere, are important to our climate overall.

Antarctica is beautiful and all of the living things that thrive there in spite of ice and cold temperatures. It was as fascinating to Nils Larsen over the years he explored it as it is to scientists today. Antarctica is a great place for scientists to study these types of things as well as the detrimental effects that humans are creating for our environment.

Nils left his mark in the world of exploration and in the science behind how the earth and its environment works. We could all learn a lot from his determination and motivation to study Antarctica and its importance on the rest of our earth as well as the importance of taking proper care of our planet.

Businesses Choosing GPS Trackers For Productivity

If you resemble numerous companies investigating Global Positioning System monitoring equipment, after that you might be searching for tools that give simple area information and act as a burglary deterrent.

Global Positioning System monitoring tools supplies this for assets and also devices, however there are lots of other means to utilize this modern technology that will certainly profit your service. It does not take long for company to realize all of the possibilities the modern technology offers once they start making use of Global Positioning System tracking.

This post explores why firms make use of Global Positioning System monitoring and provides details on the primary equipment choices.

More Than a Theft Deterrent

At first, firms primarily check out tracking their possessions with Global Positioning System to make use of as a theft deterrent. A lot of business take advantage of this facet of using Global Positioning System tracking, on their possessions such as recovering taken trailers carrying costly freight. Having Global Positioning System tracking will provide you the comfort of knowing when properties leave and show up in particular locations.

Together with helping in recouping swiped home, tracking possessions allows companies to monitor their application. A common difficulty businesses face is that certain properties rest for long periods without anybody using them. Global Positioning System monitoring will boost possession utilization, which commonly means more-effectively distributing the workload. In some cases, GPS data can also assist organizations recognize they can retire or offer if they don’t get sufficient usage.

Global Positioning System monitoring devices will certainly show run time for tools at task sites, such as forklifts. This can also equate into verifying pay-roll and ensuring that employees utilize their time successfully.

Staff members

Workers that take lorries house could be knocking off a hr early. When you only allow a 30-minute break, 3 or four employees take hour-long lunches. Add up time squandered, and you get the picture. If we head right into an economic downturn, you’ve shed a great deal of money– not the placement you desire to be in.

Incomes aren’t the only problem, as well as those lost bucks may pale in comparison to various other circumstances. Speeding as well as careless driving place your company at better hazard. Monetary harms extending from a mishap involving residential or commercial property damages, severe injury, or fatality might spell the end of your business.

Certain, you have insurance policy but serious insurance claims can exceed your restrictions of responsibility and put your service possessions in danger.

Save Fuel

Your Global Positioning System radar will constantly supply you with the quickest, most safe as well as most fuel-efficient course to take. Without utilizing a GPS radar, you might unconsciously take a much longer path that will certainly cause utilizing more gas.

Many individuals are currently using Global Positioning System radar in order to reduce their fuel consumption. This is just as beneficial for the atmosphere as it is for people as well as companies.

Manage Your Company More Successfully:

After that installing a GPS monitoring system can help you to handle your service a lot more efficiently, if you run a service that involves distribution as well as utilizing motorists and also various vehicles;.

You will certainly be able to utilize your Global Positioning System radar in order to see what courses your drivers are taking as well as whether or not they are taking unneeded journeys on the job. You will certainly also be able to see the rate at which your cars are taking a trip; permitting you to understand which chauffeurs follow rate restrictions and which do not.

At initially, business generally look right into tracking their properties with Global Positioning System to utilize as a theft deterrent. Most firms benefit from this element of making use of Global Positioning System monitoring, on their assets such as recovering swiped trailers carrying expensive freight. Having GPS monitoring will give you the comfort of understanding when properties leave and also get here in specific areas.

A common challenge companies encounter is that specific possessions rest for lengthy durations without anybody using them. Global Positioning System monitoring will boost possession utilization, which typically implies more-effectively dispersing the work.

You may be looking for gadgets that offer easy location information and also act as a burglary deterrent if you’re like several companies looking into Global Positioning System tracking equipment.

Global Positioning System tracking devices gives this for possessions as well as tools, yet there are several other methods to utilize this innovation that will profit your business. It doesn’t take wish for business to understand every one of the possibilities the innovation supplies as soon as they start utilizing GPS monitoring.

This article explores why firms make use of Global Positioning System monitoring and also offers details on the major equipment choices.

Greater than a Theft Deterrent

In the beginning, companies mostly explore tracking their possessions with GPS to make use of as a burglary deterrent. Many business gain from this aspect of using Global Positioning System tracking, on their assets such as fetching stolen trailers carrying costly cargo. Having GPS tracking will certainly offer you the convenience of recognizing when possessions arrive as well as leave in certain areas.

Along with aiding in recuperating taken home, tracking possessions allows businesses to check their application. An usual obstacle businesses deal with is that particular properties sit for extended periods without any person utilizing them. GPS tracking will enhance asset application, which usually implies more-effectively distributing the workload. In some cases, GPS data can also aid organizations determine they can offer or retire if they don’t get sufficient usage.

In a similar way, GPS monitoring gadgets will reveal run time for tools at work sites, such as forklifts. This can additionally translate into validating payroll and guaranteeing that employees use their time successfully.


Workers that take automobiles residence could be knocking off an hour early. When you only allow a 30-minute break, 3 or 4 workers take hour-long lunches. Accumulate time thrown away, as well as you get the picture. You’ve shed a lot of cash– not the setting you want to be in if we head right into an economic downturn.

Wages aren’t the only problem, and those shed bucks might pale in comparison to various other situations. Speeding up as well as careless driving put your firm at higher danger. Monetary damages prolonging from a crash involving home damages, significant injury, or death might mean completion of your organisation.

Sure, you have insurance coverage but serious insurance claims can exceed your limits of liability and put your service assets in jeopardy.

Conserve Gas

Your GPS tracking system will constantly provide you with the quickest, best and also most fuel-efficient route to take. Without making use of a GPS tracking system, you may unconsciously take a much longer course that will certainly lead to using more fuel.

Many individuals are currently taking advantage of GPS tracking systems in order to lower their gas consumption. This is equally as valuable for the atmosphere as it is for people and also services.

Manage Your Organisation More Efficiently:

After that installing a Global Positioning System tracking system can aid you to manage your business extra efficiently, if you run a company that entails distribution as well as using chauffeurs and also different vehicles;.

You will be able to utilize your Global Positioning System radar in order to see what routes your vehicle drivers are taking and also whether they are taking unneeded journeys at work. You will certainly also have the ability to see the rate at which your lorries are travelling; allowing you to know which motorists obey rate limitations and which do not.

At first, companies primarily look right into tracking their assets with Global Positioning System to use as a theft deterrent. The majority of companies profit from this element of making use of GPS monitoring, on their properties such as fetching stolen trailers carrying expensive freight. Having GPS tracking will certainly offer you the convenience of recognizing when assets leave and also get here in specific areas.

An usual obstacle organisations face is that particular assets sit for lengthy periods without any person utilizing them. Global Positioning System monitoring will certainly boost asset use, which frequently implies more-effectively dispersing the work.

Machinery used for excavating

Excavators were used within the creation enterprise for the important factor additionally referred to as building the bottom basis for the net page.The tool is used for digging, clearing and filling in the production website have become build inside the 1900s to enhance the manner of building a house with lesser humans. the shape are designed specially of machine by made with metal due to the heavy obligation that the device is doing, as well as having the development of generation the excavators Evolve and construct for a particular use or place. In continuous with the current era &excavators have different sorts and sizes.

Various size of Excavators

The smallest size of the excavator is weight from 1 ton to five ton. use for small web sites, house web site and avenue website construction works because of the challenge of areas on website and the amount of noise made is much less.

The median length of the excavator is weight from 6 ton to ten ton, are especially used for production sites and the huge place of reconstruction. With the help of the different kind of machine, the excavator can use on the numerous task with less manpower allocation for that creation Website.

The large length of the excavator is weight from extra than 10 ton that is in particular used in the excavations of the massive surface vicinity inclusive of digging oil, diamonds and other business substances.

Various Types of Excavators

Excavator has progressed to apply on one of a kind such as land and rivers. Excavators are commonly used for the digging of soils and for loading dump vehicles.

Crawler excavator

Crawler excavator runs on the chain wheel machine. This type of excavators is especially utilized in hilly areas. With the low ground pressure of spreading of load on areas, it’s also used on susceptible soils.

Wheel excavator

Wheel excavator is designed to load and dump materials from the excavation floor. Because of the low grip wheels is not suitable for hilly regions.


The Backhoe is hydraulic excavator with a bucket attached to the hydraulic managed growth and stick. On this excavator, the excavation bucket moves in downward and backward route during excavation. It’s far used to excavate underneath the herbal floor to keep unique manipulate of intensity of excavation at close variety paintings.

There are certain companies that are good at excavator Singapore and you can contact them through the website as well.

Marketing strategy to attract wide customers with creative signs

Signs used widely in various fields for the purpose of marketing technique. There is misconception, that signs are used in the contemporary business world. The fact is signs are used from traditional days itself, in order to register their company reputation through signs. Well, if you would like to commence business obviously you need to consider from various points for marketing the business and even to attract huge number of customers. Whatever be the business creativity becomes essential to begin your business moreover signs are getting noticed through the brand name or company logo. Obviously, if you go with right choice of creative designs for your marketing, sure it will be more effective to increase profit for business.

Cost effective advertising with creative signs:

Advertising is the brain of all businesses, either its small or huge one through proper and effective method of advertising once can easily reaches the heart of customers. Wherever be the place or country street signs, or business signs are commonly found around you in day to day life. Technology based designs, neon light designs, LED signs indoor signs, metal signs and so many choices of designs are there for business promotion. What are the factors you need to know about creative signage before you selecting it? Here are few features about the reputable signage company in Singapore, once you want to make significant growth in business.

  • Singapore signage company provides high quality signage with cost effective for clients
  • Signage is nothing and simple to convey the message through signs which is more effectual
  • Advertisement through signage creates awareness about business in peoples mind
  • Use of signage is very successful in producing a desired or intended result for your business
  • Interestingly, signage connects the various generations since it has been in practice from old days
  • In simple, to grab the attention of potential buyers just make use of creative signs in business to capture huge customers

An array of concepts in modern signage company:

Gone are the days with simple technologies used for advertising, the signage promotion of business is widely used in major fields, in order to attract maximum number of people for the business. In the digital world, there is a wide array of concepts and techniques used for scrap metals. Creativity plays dominant role in the scrap metals; it enhances the reputation of the company and makes it more effective. By approaching the companies which are famous for used scrap metals, you can give the scarp details for good price rate.

Freelance dumping: how to deal with a problem?

Dumping is really a big problem both for freelancers and for owners of various freelance marketplace. This problem is really complex and in order to better understand the seriousness of this economic phenomenon, we need to recall the original meaning of the word “dumping”. Since many people use this term not quite accurately, speaking about dumping in the context of remote work, it is worthwhile to dwell on this issue in more detail.

Dumping is the sale of goods at very low prices, sometimes even at a price lower than the cost of production. Of course, there can be no competition with dumping prices, since the one with the lowest prices wins. In many countries, there are pre-dumping laws, since such practice leads to the emergence of monopolies, which generally negatively affects the economic situation.

But what can you sell cheaply on the freelance exchange? Of course, your own work! How does this happen? On a freelance resource, the customer has the opportunity to choose an artist from several candidates at once. As a rule, the customer immediately announces how much he is willing to pay for the work. At the dawn of the development of freelance, the prices of these or those services of freelancers were quite high – much higher than the salary of an ordinary office worker.

Over time, freelance gained popularity, the ability to engage in remote work appeared for everyone who had computer skills. And then dumping appeared. Since there are many more applicants than employers, getting an order in private communication or getting a client thanks to an exceptionally high-quality portfolio has become much more difficult. And many freelancers began to bring down the price.

Golden Time has come for customers – now they could get everything they needed at a price of two, three, or even ten times lower. For a while, everyone was at a loss, as no one could figure out what to do with freelancers practicing dumping prices. But when customers realized that at too cheap a price, quality work could not be expected, the situation began to improve gradually.

Today, many freelance resources try to deal with dumping. This is done both by the owners of the sites because too low estrangements from freelancers reduce their income, as do freelancers themselves, creating communities in which everything related to the use of dumping when receiving an order is highlighted. The damage caused by dumping is really a serious problem. After all, the damper does not care about the quality of his work – all he needs is to quickly earn money. For the professional, this approach is unacceptable.

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