July 2021


It has been a long day. You spent all morning waiting for your court hearing. When the time finally came, it took about an hour for the judge to find in the plaintiff’s favor and enter a judgment against you. Now you are sitting and waiting for the plaintiff’s attorney. As you ponder how you’re going to answer questions about your employment and assets, you seriously consider trying to avoid payment.

This scenario is all too common in the arena of civil law. Plaintiffs win judgments against defendants, only to never collect on them. Why? Because defendants use every trick in the book to avoid paying. Eventually, plaintiffs give up and walk away.

If you ever find yourself on the wrong end of a judgment, pay what you owe. Do not thumb your nose at the creditor like a spoiled rich kid who gets away with misbehaving because mommy and daddy have money. If you need further motivation, here is the number one reason to pay that judgment entered against you:

It’s the Right Thing to Do

Civil judgments are not entered lightly. When they are entered, they constitute a legal recognition of an existing debt. With that legal recognition comes a moral and ethical responsibility to pay. In the simplest possible terms, paying up is the right thing to do.

Admittedly, morality and ethics are sorely lacking in modern culture. You may be of the mindset that the judgment against you is invalid because the original case was invalid. You are entitled to that opinion. However, understand that the plaintiff and court both disagree with you.

Think of it this way: how do you feel about people who owe you money and don’t pay up? If you are normal human being, you do not take too kindly to that. You expect your buddy to repay that $100 you loaned him last month. If he doesn’t, you consider him a deadbeat. How is that situation any different from you refusing to pay a civil judgment?

Judgment Collectors Are Relentless

If doing the right thing is not enough reason to motivate you to pay, consider this: specialized judgment collection agencies are relentless. Salt Lake City’s Judgment Collectors is one example. They will pursue you to the ends of the Earth if necessary. And make no mistake about it, judgment collectors are more skilled than general debt collectors.

Specialized judgment collectors are experts in skip tracing. They are experts in asset discovery. They know how to find deadbeats no matter where they try to hide. They know how to look for assets that general collection agencies would never discover.

You’ll Hurt Your Own Finances

If you still don’t have enough motivation to do the right thing, consider one last proposition: skipping out on a judgment will only hurt your finances. The judgment alone will cause problems for as long as it shows up on your credit report. But consider the fact that judgments can be enforced for up to 10 years in some states. They can remain on your credit report for another seven years after being settled.

Doing the math paints a pretty ugly picture. If it took nine years to enforce a judgment against you, and the judgment stayed on your record for another seven years, you would be looking at 16 years of poor credit that would affect everything from your ability to get a mortgage to the rate you would pay on a car loan.

Judgments are no light matter. If one is entered against you, do the right thing and pay it.

Amplify Your Content Reach & Generate More Traffic To Your Website | |  Sapphire Web Solutions

When it comes to getting more traffic, one of the best ways to do this is to start emailing your potential customers on a regular basis. This is how a lot of businesses get to be so successful in the first place: they were able to build up a huge database of people that are interested in what they are selling.

Email is also a great way to build good will and to gain trust with the people who visit your site. If you don’t have an email marketing campaign but would like to do a good job with email marketing to do with an existing website, here are some tips to get the most out of email marketing for your business.

1. You should always choose a subject of your email that is closely related to the subject of your website. By doing so, you will be able to attract the traffic that you want and will also have a smooth transition for the person who sees the email as soon as they sign it up.

2. Very, very important, the subject needs to be compelling. You can’t just simply leave the subject of your email as one that simply has nothing to do with the subject of the website email. Without intention, you’re not going to be able to get as much email marketing done in this way.

3. When it comes to your website, you can use HTML to make it stand out amongst everyone else’s business websites. Simply make sure that your website looks professional and that you put everything above the fold. That means that you should have a website header, footer, and even a place where people can make contact, such as a contact page, and an URL on the bottom of the page.

4. Make sure that you receive announcement emails and not spam. Spam is totally unprofessional. Plus it’s just a waste of your time. People will simply delete your email if it looks like spam. Likewise, you don’t want your email getting into the trash.

5. Every once in a while you can send something that is more of a small offer like a free product if you’re marketing an online store. You will get more opt-in email marketing done this way. Of course the free offer should be a great way for people to remember who you are and what you are promoting.

6. When you’re emailing people about your website, make sure that you have some text at the bottom of the webpage that features your website. This makes it clear to the person what the website is about. You also want to include a tag line or description. A person too, needs to look at text on the website that describes exactly what you do. If they don’t see that, they won’t know that this is about your website.

7. Another important thing to consider is to include everything in your HTML code so that it’s just a death sentence or two away that the website will be referred to as a web address.

8. One very important thing about your website and what you are trying to do with your email marketing is to make sure that the web address is not going to be blocked by a spam filter, even if the site is, in fact, spam. The secret with this is to make the ‘spam’ label that’s been put on the email go away completely. We all know that it’s embarrassing to subscribe to sites that send you an email.

It may all seem complicated and hard to learn, but it really isn’t. But, you must do what’s needed to attract web traffic and then give them the information about your business that they want to know about. You see, most of the people who visit are there because they are looking for some information, so all right. You know what you want to do, and you’re different from the crowd.

Yes, it appears more profitable to use crypto trading bots than to do the trading manually. As much as more crypto experts are switching to trading bots for more efficient trading, others have argued that trading bots are less profitable. That may not be entirely true because a good crypto bot would save you time and provide huge profits.

More so, these days, getting a crypto bot is not as difficult as it used to be. In the past, only rich traders or companies had crypto bots. Take note, not all crypto bots are worth a purchase. 

Features of the Best Crypto Trading Bots

Apart from other outstanding features of crypto trading bots, one of the most notable is that it saves time. For instance, with the crypto bot, you can trade round the clock and actually be present. Below are features of top crypto bots:

  • Beginner-Friendly : A crypto bot should not have a complicated layout for beginners to understand. A good crypto bot should be beginner-friendly and easy to use. Experts have suggested that crypto bots should be designed as if they would be used by students in high school. At least that way, a trader can configure the bot without any hassle. 
  • Time Saver : Depending on the market, you may need to trade all night to make a profit. However, with the crypto bot, you can go to sleep while the bot does the trading. Losing sleep constantly can cause some health issues. So opting for a crypto bot that trades round the clock is the best option.
  • Fast : regarding trading cryptocurrencies, speed is a very important virtue required to enjoy trading with a bot. While it may take humans a whole day to carry out a particular trade, crypto can do it in less time. Also, bots can take advantage faster. They can make an order regarding an offer before it closes. 
  • Price : While you may find crypto bots that ask for a fee, some offer free services too. Nonetheless, it is better to opt for cryptocurrencies for a fee than to use the free cryptocurrency version. However, if the crypto bot offers a demo version before you buy it, you can opt for the crypto bot to understand how it works. 

What to look out for before Investing in Crypto Bots ?

Before you invest in a crypto bot, you need to ask some questions. Don’t invest in a crypto bot by asking the following questions:

  • What is the professional experience of the senior traders ?
  • Are their algorithms popular ?
  • Is their success linked to yours ?

When you get good feedback, then you can get the crypto bot. 

Wrapping Up

Like every other thing, the crypto bot also has its disadvantages. However, on a scale from 1 to 10, using crypto bots can be ranked at 8.5. The risk is lesser and it provides more gains. However, make you get a crypto bot that is tried and tested. Visit for the crypto bot. {“mode”:”full”,”isActive”:false}

It has been more than a decade since the cryptocurrency industry has been around. During this time, the cryptocurrency industry has grown bigger and better for investors. However, if you are aiming to get into the cryptocurrency industry, there are high chances you would get stuck with a platform that provides below-standard services. This is because the cryptocurrency industry has been flocked by scammers, fraudsters, and brokers with bad intentions. This is where I come in to tell you about a cryptocurrency trading platform, BitOpps which you can trust and rely on. I will share all I know about the platform in my BitOpps review so you know exactly what I am referring to.

BitOpps offers you Industry-Level Security System

When it comes to offering security and protection to you while performing trades and processing personal/financial transactions, BitOpps provides you with SSL Security System. The security system offered by BitOpps is industry-level and protects all your personal and financial information through encryptions. No matter the transaction it is, if it is flowing through BitOpps’ platform, then it would be protected with encryptions. This is to ensure that no one can gain access to the information with bad intentions.

Deposit and Withdrawal Options BitOpps Offers You

BitOpps always has your interests, preferences, and convenience in mind no matter what it has to offer. This is the reason why BitOpps offers you some of the most common and easy payment methods. If you choose to go with BitOpps, then you can make deposits via EFT Pay, Ripple Wallet, Bank Wire, and Visa/MasterCard. You can start trading through BitOpps by making a minimum deposit of $1,000, or you can do it in £1,000 & €1,000. BitOpps aims to process your withdrawals in 3-5 working days but it depends on how quickly you respond to their request for information verification.

While making a withdrawal, you are required to provide your KYC and AML information according to regulatory guidelines. You can use the same methods used for deposits while requesting a withdrawal.

Compliance with KYC and AML Policies is Must for BitOpps

One of the advantages BitOpps has while offering you its trading services is that it is a regulated crypto trading platform. This means that the platform strictly abides by the guidelines set by the regulators in regards to cryptocurrencies. This means that you are also required to comply with the KYC and AML regulations wherever BitOpps requires you to under the regulatory guidelines.

Education Program BitOpps Offers You

BitOpps aims to offer you all the knowledge and information in order to empower you, so every business decision you make is profitable and well-calculated. The content BitOpps offers you includes daily market news, glossary, ebooks, and training videos on cryptocurrency trading. You can go through all the content provide in BitOpps’ educational program and become an expert in crypto-trades.

Trading Assets BitOpps Offers You

When you are trading with BitOpps, you have access to all major cryptocurrencies currently popular and prominent in the crypto-verse. This is exactly where the experts and analysts of BitOpps excel. They are very knowledgeable when it comes to cryptocurrencies and can provide you expert opinion in any of the major cryptocurrencies. At present, some of the major cryptocurrencies in the market are Ethereum, Litecoin, Ripple, Bitcoin, Binance Coin, and many more. It is completely up to your will and preference, which trading asset you would like to go for.

Trading Accounts BitOpps Offers You

The trading accounts BitOpps offers are six in number and every account offers support and benefits based on your trading experience and market exposure. You can choose any account of your preference and liking, and then leave the rest to the experts and professionals at BitOpps to take care of.

When you have their trading account, you gain access to general services that include price alerts, range of market, personalized trading, daily market reviews, education center, custom analytics, and support of account manager.

Customer Support BitOpps Provides

The customer support team at BitOpps is professional, experienced, knowledgeable, and very empathetic when dealing with your queries. If you have a query in regards to BitOpps’s services or general crypto-related queries, you can send your query over to BitOpps through their “Contact Us” page on the website. There, you can enter your name, email, and your query, and be surprised how promptly the customer support team at BitOpps replies to your query.

What are Your Thoughts?

If you are thinking about investing in cryptocurrencies and want to make a living out of them, then you need to dedicate yourself to them. You can spend money and expect that the profits would start flowing in. You are required to invest, monitor, analyze, be patient, and then make the right moves at the right time to make profits. If you think that this is too much for you, then you should look for other online trades than cryptocurrencies.

Covid-19 Second Wave: Impact On Property Prices And Real Estate

The North American housing market has seen significant shifts since the start of the COVID-19 pandemic. US real estate prices were already high and have seen a peak in the last year unlike anything the market has witnessed in many years.

An Insurify analysis of the cities with the greatest pandemic real estate booms found that between April and July 2020, the average rate of home sales had increased, exceeding the previous year’s rate by 66 percent.

Likely homeowners have been relocating to the suburbs in record numbers. That’s partly because housing preferences have shifted: more people are choosing a larger living space over proximity to the “action” of a city center.

Driven partly by Millennial mentality, the market has become a battleground for dream homes – buyers are being bullish – and the result is skyrocketing real estate costs.

The pandemic has also prompted a renaissance in real estate technology as fintech companies like Nobul gain traction in an effort to facilitate those sales.

As the virus distrurbed the economic stability of entire nations, the housing market in North America remained remarkably stable, seeing a 13 percent increase last year. 

The 2020 real estate market has proven that many interested homebuyers will invest in a new home even during a time of economic pessimism, often by looking for homes in more affordable areas.

To understand the changing priorities of home buyers and those preferences are reshaping the real estate market, the research team at Insurify examined data from Zillow.

On average, those who moved to a new city in 2020 ended up in a ZIP code with average home values nearly $27,000 lower than in their previous ZIP code, according to Zillow.

Those who changed homes in 2020 also moved to ZIP codes where the average home sold was 33 square feet bigger than their previous home, Zillow reported.

“What that suggests to me is more movement away from the more expensive housing markets in the country,” Jeff Tucker, a senior economist at Zillow, said in a KXAN story.

But what will the remaining months of 2021 mean for the market?

There are some signs that the US housing market is moderating after months of surging prices. Now that inventory is near record lows and prices are climbing at the fastest rate ever, buyers have had enough, according to Business Insider, and are forcing the market to cool by simply saying “no” to high prices.

Although sales of new and previously owned homes are still above pre-pandemic levels, the numbers have slowed from the peaks in fall 2020 thanks to a dwindling housing supply.

“The steady decline suggests the market boom could be normalizing,” the article said. “It also comes as median selling prices for new and existing homes sit at record highs, presenting an affordability problem for buyers just entering the market.”

Americans’ attitudes about housing have hit rock-bottom. In a survey from the University of Michigan about consumer sentiment, 54 percent of Americans polled said it was a bad time to buy homes in May. That’s the most pessimistic outlook since 1982.

This slowing down of the housing craze of the last 12 months is leading economists to believe that 2022 will be a markedly more modest market.

Also among economists’ varied concerns is housing price inflation – and the belief that inflation could be tempered by a number of factors as the dust settles from COVID.

Still, some believe that Millennials – who now have buying power and are in the hunt for their first homes – will help cushion the market.