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  22. <title>Ending Up With the Best Home Improvement Products</title>
  23. <link>https://hhrlvms.info/ending-up-with-the-best-home-improvement-products,html</link>
  24. <comments>https://hhrlvms.info/ending-up-with-the-best-home-improvement-products,html#comments</comments>
  25. <pubDate>Fri, 07 Apr 2023 23:25:15 +0000</pubDate>
  26. <dc:creator>admin</dc:creator>
  27. <category><![CDATA[Home Improvement]]></category>
  28.  
  29. <guid isPermaLink="false">http://hhrlvms.info/?p=56</guid>
  30. <description><![CDATA[Home improvement is usually on the minds of many people and this could be because they are tired of their old surroundings or they want to add more things to their house. Regardless of the reason, it is wise that the person goes through the process of obtaining home improvement products to improve their home [...]]]></description>
  31. <content:encoded><![CDATA[<p> Home improvement is usually on the minds of many people and this could be because they are tired of their old surroundings or they want to add more things to their house. Regardless of the reason, it is wise that the person goes through the process of obtaining home improvement products to improve their home wisely to avoid getting disappointment in the end. The first thing to do in order to get the best products is to plan in advance as this will help to establish just what is needed for the whole process in terms of the products, time and cost and in addition to this the owner will approach it soberly. Usually, contractors and builders have items that remained after a job and could be willing to part with them at a fair price.Just as with other projects, time is also of the essence in home improvement projects and to save time when starting a project, it will be wise to list down all the needed products. This will help to select the best home improvement products. Most people who compromise on the quality of the products to use for their home improvement often end up getting disappointed and to avoid this, one should always insist on having quality products. Adaptive qualities and durability are other factors that should be considered when looking for products so as to avoid having to do repairs every other time. Expensive does not necessarily mean quality and it is therefore important that a person buys products that will fit into their products. To buy the best products at minimal cost is very much possible and one way through which one can do this is by going online and going to different stores for price comparison.Awareness of the environment is another factor to consider when thinking of buying home improvement products. Products that are friendly to the environment are usually manufactured using renewable matter that is more environment-friendly. In addition to this, the products have the ability to keep the household safe because they are devoid of harmful chemicals known to cause skin diseases or other medical complications. When looking for the best products to improve the home one is likely to find themselves quite confused because there are quite a number of people who sell these products especially on the internet. To avoid this confusion or even getting ripped off it is wise to talk to people and from them it becomes easy to know the best sites to use to get the best deals of home products. As long as one has guidelines it is not easy to go wrong when looking for home improvement products. </p>
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  36. <item>
  37. <title>Sources of Friction: Why Investment Expertise Often Fails to Help You and What You Can Do About It</title>
  38. <link>https://hhrlvms.info/sources-of-friction-why-investment-expertise-often-fails-to-help-you-and-what-you-can-do-about-it,html</link>
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  40. <pubDate>Wed, 22 Mar 2023 15:34:56 +0000</pubDate>
  41. <dc:creator>admin</dc:creator>
  42. <category><![CDATA[Uncategorized]]></category>
  43. <category><![CDATA[Investing]]></category>
  44.  
  45. <guid isPermaLink="false">http://hhrlvms.info/?p=54</guid>
  46. <description><![CDATA[Most of the time when I talk to people about the investment industry I get the distinct sense that they would rather talk about almost anything else. While there are certainly many potential causes for such an understated response, I also don&#8217;t get the sense that an overwhelming degree of satisfaction is usually one of [...]]]></description>
  47. <content:encoded><![CDATA[<p> Most of the time when I talk to people about the investment industry I get the distinct sense that they would rather talk about almost anything else. While there are certainly many potential causes for such an understated response, I also don&#8217;t get the sense that an overwhelming degree of satisfaction is usually one of them. Rather, there seems to be a persistent state of frustration lurking under the surface that occasionally reveals itself in comments like, &#8220;I&#8217;d like to be able to get more confident with my investing&#8221;, and, &#8220;Do you ever get to talk to the person managing the money?&#8221;To the extent that lurking frustration exists, it is not for lack of investment expertise. Not only are there thousands upon thousands of investment professionals, but there are also terrific credential programs like the CFA and the CFP, a substantial and diverse active management industry that has a business model predicated on developing proprietary insights, and research that suggests it works. For example, the study &#8220;Best Ideas&#8221; [Cohen, Polk, and Silli, 2010] shows that the typical active money manager actually does outperform with his/her best ideas (the problem is that most portfolios also contain a lot of other ideas which aren&#8217;t nearly as good).So why do investors continue to be frustrated when all of this expertise is available? The answer, in a word, is friction.Sources of frictionJust like the progress of any vehicle is slowed down by the friction created by its contact with the road, so too is the efficient transfer of investment expertise constrained by a variety of structural sources of &#8220;friction&#8221; in the industry.One important source of investment friction is the tendency of many firms to focus more on the business of investment management than on the profession of investing. Because the universe of significant investment opportunities is limited in a competitive environment, managers must settle for progressively less attractive alternatives as a fund grows larger &#8212; and this dilutes performance. The conflict of interest between an investment manager&#8217;s desire to grow assets (and therefore business profits) and an investor&#8217;s desire for a smaller fund focused exclusively on best ideas is one way in which investment expertise often fails to benefit clients.A second source of friction is essentially a corollary of the first: Many firms fail to focus on the types of activities that are closely associated with generating superior investment returns. For example, many firms persist in charging high fees for investment services despite widespread evidence that high fees detract from returns. Many run portfolios that look very similar to their benchmarks rather than concentrating on best ideas (i.e., high active share). Many react (and overreact) to short-term results for which there is very little information content (i.e., low signal to noise ratio). Each of these types of activities is a well-known structural impediment to good investment performance and each is the result of a choice, a tradeoff, made by an organization&#8217;s leaders. While it is unfortunate such impediments exist, they are absolutely avoidable.A third source of friction is over-specialization. When an environment remains stable for a long period of time the most successful entities are those that focus on a very narrow area of expertise. Examples include narrowly defined functional silos such as industry-specific analyst coverage and very narrowly defined investment mandates. In such an environment, flexible business approaches and policies to insure against large losses represent unnecessary opportunity costs. In a more tumultuous environment, however, the costs of focusing too narrowly can be debilitating and sometimes even deadly. It&#8217;s fine to pack only swim suits and t-shirts for the beach as long as the weather stays nice. If it gets cold and rainy, you&#8217;ll wish you had better choices.What you can doWhile various sources of friction often prevent investors from deriving as much benefit as they might from the industry, the good news is that they also provide a clear target for improvement. If you want things to run more smoothly and efficiently, just reduce or eliminate the sources of friction. For investment firms this is simply a matter of making policy choices &#8212; of choosing to focus, on the margin, more on the exercise of investing than on the business of investment management. For investors, this is just a matter of identifying the firms that are not only willing to accept, but to actually encourage, making the tradeoffs that benefit investment results.Another way for investors to derive more benefit from the investment services industry is to find better user interfaces. Steve Jobs revolutionized the computer industry by developing a graphical user interface (GUI) that made it much easier for normal people to interact with computers. The same needs to be done with investment firms. While a great deal of investment expertise does exist, only a small subset of that resides with organizations that have cultures truly oriented to helping people. Without such a culture, the path of least resistance is for that expertise to first benefit investment firms and their employees.The investment services industry is interesting as a case study because it defies so many well established norms in other industries. Exceptionally few businesses in a competitive environment can afford to persist with processes and behaviors that impede performance and client satisfaction. If you went to a nice restaurant and ordered an expensive meal and the waiter came out and just threw it down in front of you without explanation and walked away, you would probably be miffed and might consider never coming back. Oddly, the same behavior happens with investment firms all the time &#8212; except in these cases investors tend to resign themselves to accepting such treatment. You can do better, but you will almost certainly need to look for new approaches that avoid old, and predictable, sources of friction. </p>
  48. ]]></content:encoded>
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  52. <item>
  53. <title>10 Astonishingly Easy Ways To Make Money Online</title>
  54. <link>https://hhrlvms.info/10-astonishingly-easy-ways-to-make-money-online,html</link>
  55. <comments>https://hhrlvms.info/10-astonishingly-easy-ways-to-make-money-online,html#comments</comments>
  56. <pubDate>Thu, 16 Mar 2023 09:50:24 +0000</pubDate>
  57. <dc:creator>admin</dc:creator>
  58. <category><![CDATA[Uncategorized]]></category>
  59.  
  60. <guid isPermaLink="false">http://hhrlvms.info/?p=50</guid>
  61. <description><![CDATA[Whether you have your own blog or website it can be astonishingly easy to make money online, so much so, you don&#8217;t necessarily need either. Listed below are excellent ideas to make money online, for a full-time income or just to give you a little extra money each month. 1. Blogging &#8211; naturally this is [...]]]></description>
  62. <content:encoded><![CDATA[<p>Whether you have your own blog or website it can be astonishingly easy to make money online, so much so, you don&#8217;t necessarily need either.</p>
  63. <p>Listed below are excellent ideas to make money online, for a full-time income or just to give you a little extra money each month.</p>
  64. <p>1. Blogging &#8211; naturally this is my first suggestion and can be very lucrative. It does require you to create a blog, build on the content for a few months in order to generate followers and visitors, encouraging search engines and content readers to visit and buy from advertisements or your own uploaded information documents</p>
  65. <p>2. Create your own online store &#8211; online businesses such as eBay, Amazon and Zazzle provide you with the tools to create your own online store, offering products for sale, often without the need to store yourself as you can advertise products, prior to purchase, for a higher price, arranging despatch and delivery from your supplier direct to the customer</p>
  66. <p>3. Online Assistant roles &#8211; there are various websites which advertise admin and data entry type jobs where you provide a typing, translation or proofreading service for an hourly rate, set fee or negotiated amount without you having to leave your front room. The requirements are set out in the job advert and you then offer your services to the advertiser</p>
  67. <p>4. Write books, articles or instructions/courses &#8211; if you have story ideas, a skill that you can teach others or want to provide advice on a specific subject, why not write your own material. If you can tell someone or demonstrate something it is possible to turn this into an eBook, upload onto a marketplace and sell this to others.</p>
  68. <p>5. Create YouTube video tutorials &#8211; similarly, instead of getting this in writing, why not record yourself, a presentation or screen capture video, upload onto YouTube and advertise your skills. Placing advertisements alongside this can generate a tidy income. Also advertising your own website or blog, eBook or products for sale.</p>
  69. <p>6. Sell your own photographs &#8211; everyone today has a digital camera and there are many superb photographs taken every day. It was recently reported that there have been more photographs taken this year since then ever before. Everyone takes selfies, spontaneous photographs as well as those who do this for a living. Get your photographs uploaded to a stock photography site and earn an income every time someone buys one.</p>
  70. <p>7. Affiliate marketing &#8211; this involves you advertising for sale other peoples&#8217; products and, on making a sale, receiving a commission for that sale from the owner of the product. This can involve the creation of a website and advertising on this or creating advertisements, placing these on others&#8217; websites to generate interest and hopefully a sale.</p>
  71. <p>8. Create and sell unique items &#8211; jewellery for example. Other items include paintings, furniture, clothing, ornaments and so on. Once created, advertised on your own or others&#8217; online shops for sale and generate an income. These can also be uploaded for sale on eBay, Amazon and other similar marketplaces.</p>
  72. <p>9. Teach online &#8211; if you have a skill, specific expertise in a subject or have a hobby at which you excel, why not create a website offering hints, tips and advice. You can then go on to sell tutorials in eBook, video or audio formats.</p>
  73. <p>10. Market research &#8211; there are numerous companies who pay website visitors to review products, websites and information sites and provide feedback and comments. This is then used by that company to advise their clients, make improvements or select specific products which perform well. payments from these companies vary from discount vouchers, point collection and turn this into cash or free products in return.</p>
  74. <p>For more ideas in making money online or advice on creating eBooks, websites or blogs, visit Progress for Success now.</p>
  75. ]]></content:encoded>
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  78. </item>
  79. <item>
  80. <title>Crypto Currency Vs Fiat Currency</title>
  81. <link>https://hhrlvms.info/crypto-currency-vs-fiat-currency,html</link>
  82. <comments>https://hhrlvms.info/crypto-currency-vs-fiat-currency,html#comments</comments>
  83. <pubDate>Mon, 12 Sep 2022 10:40:25 +0000</pubDate>
  84. <dc:creator>admin</dc:creator>
  85. <category><![CDATA[Uncategorized]]></category>
  86. <category><![CDATA[cash]]></category>
  87. <category><![CDATA[Crypto currency]]></category>
  88. <category><![CDATA[currency]]></category>
  89.  
  90. <guid isPermaLink="false">http://hhrlvms.info/?p=48</guid>
  91. <description><![CDATA[Crypto currency vs. Fiat currency Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use [...]]]></description>
  92. <content:encoded><![CDATA[<p>Crypto currency vs. Fiat currency</p>
  93. <p>Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use of cryptos, while the other has a soft corner for the fiat currencies.</p>
  94. <p>In cashless society- crypto money play a huge role</p>
  95. <p>If you have a look at the market of the 1970s and 1980s, you will find that the cash played the dominant role. But, with the change in the technology, electronic transactions have become the usual norm. Today, more and more people are influenced in becoming the cashless society. With the progress towards the cashless society, cryptocurrencies have a big role to play.</p>
  96. <p>Crypto currency and fiat currency are always at loggerheads</p>
  97. <p>Cryptocurrency and fiat currency are popular types of digital currency, especially when it is about an online transaction. They both are currencies currently in use in the market but have some differences in them. There is a hell lot of hypes that you will hear on a daily basis comparing the crypto money and the fiat money. This article will highlight the difference between the two in a more comprehensive and clear manner.</p>
  98. <p>Differentiating in what the currencies stand for</p>
  99. <p>Before going for the difference between the two, you must understand what do they stand for and how are they are defined.</p>
  100. <p>The fiat currency is a legal tender that has the support of the central government, and it operates in the physical form. For instance, US dollars, British Pounds, Euro etc. On the other hand, the crypto currency is a non-legal tender, and doesn&#8217;t have any backup from the central government or bank.<br />
  101. Hence, the difference between crypto currency and fiat currency is noted as follows:</p>
  102. <p>• Crypto-currencies are decentralized and global in nature. There are no one entity or government that controls the currency with their laws and regulations. The Fiat currency is centralized, under the control of the laws and regulations of the banks and government.</p>
  103. <p>• Crypto-currencies have their existence only in the digital domain. On the other hand, you will find that the fiat currencies have a tangible and physical existence.</p>
  104. <p>• There is a limited supply of crypto-currencies with a maximum set of them getting supplied in the market. Whereas, the fiat money has an unlimited supply as the government and bank are entitled to produce coins and paper money whenever the situation is required.</p>
  105. <p>• The Bitcoin and other crypto type currencies are created by the computers, while the fiat currencies are issued by the local government and the banks.</p>
  106. <p>• Cryptocurrencies are presented as the public and private code pieces. On the other hand, the fiat currencies are presented in the form of coins and paper money.</p>
  107. <p>• The value of the crypto currencies is not recognized by the supply and demand of the market. Whereas, the fiat currency value is determined by the market regulations of supply and demand.</p>
  108. <p>The different types of crypto and fiat currencies</p>
  109. <p>In the last one decade, the popularity of crypto type currencies has emerged as a huge success. It was in 2009, when Bitcoin was first introduced, and years after several other types of crypto currencies have emerged. Starting from Litecoin. Dogecoin, Ripple to the Dcash and Zcash, there is a plethora of them. On the other hand, the fiat currency has a rich and ancient roots, with the Great British Pound, that dates back to 775 AD. It is considered as the oldest currency in the world that is still in use.</p>
  110. <p>The differences in the anonymity between the two currencies</p>
  111. <p>When you are using the fiat currencies, you need to undergo a user identification or verification process. You are asked to upload a recent picture of yourself and some of the required documents to be issued as per the public authorities. You don&#8217;t need to undergo any of the required processes with the crypto currencies. Though your personal information and confidential details don&#8217;t get public, but all your transactions are recorded and tracked in both the fiat and the crypto currencies.</p>
  112. <p>Fiat currency vs crypto currency: transparency level</p>
  113. <p>• The transparency level with the crypto type currencies are considered to be more. This is because the revenue streams are displayed in a public chain. Everyone can witness their own and others&#8217; transactions.</p>
  114. <p>• The fiat or govt. currencies are not transparent, as there are not public chains to see the revenue streams of the people.</p>
  115. <p>A comparative historical roots</p>
  116. <p>If you compare the crypto money with that of its counterpart, fiat or government currency, you will find that their existence and creation brings the difference. The Fiat or government currency, dates back its existence as early as 775 AD with the introduction of the Great British Pound. This is why fiat type currency is easily accepted by the people all over.</p>
  117. <p>On the other hand, the crypto coin was perhaps first introduced only a decade ago, with the introduction of Bitcoin in 2009. The challenge that the Bitcoin and other crypto currencies face is catching up with the immense popularity and increasing fan base of the fiat currency. Crypto currency, is no doubt gaining importance and popularity in the economic market, but it has still not been accepted widely in the society as the fiat currency.</p>
  118. <p>A comparative history of the two currencies:</p>
  119. <p>• It was in the 11th century, when the Chinese Song dynasty was perhaps the first one to issue the paper money. It was not allowed to exchange with valuables like gold and silver or silk.</p>
  120. <p>• There were Tally sticks that were introduced as a fiat or government currency. 1100 Tally sticks were introduced as a combat for the shortages in gold.</p>
  121. <p>• 1971, was the year, when the fiat currency received a worldwide recognition. President Nixon introduced it in order to eliminate the dollar pegging system to gold.</p>
  122. <p>• It was in 1998, when the idea of an anonymous electronic cash system emerged by Wei Dai. Bitgold-the very first crypto currency was created by Nick Szabo, but it didn&#8217;t receive as much attention as Bitcoin.</p>
  123. <p>• In 2009, Bitcoin was introduced in the market, that became the first crypto currency that was accepted across the globe. In 2011 and after, a series of several other crypto currencies were introduced. Some of the popular ones include, Litecoin, Dogecoin, Ethereum, Ripple, Zcash, Dash and so on.</p>
  124. <p>The traits of both the currencies</p>
  125. <p>The potential of the crypto type currencies and fiat currencies, accessing their traits is important. You will find that in some of the criteria, Bitcoin and other crypto currency is superior than the fiat or government currency, and in some cases, the latter surpasses. It is absolutely your call to choose the type of currency (crypto type currency or fiat type currency) based on your personal needs and requirements.</p>
  126. <p>Let us compare their traits with respect to certain factors.</p>
  127. <p>• Both the crypto coins and fiat type currencies are interchangeable in nature.</p>
  128. <p>• As per the portability is concerned both the currencies secure more or less the same position.</p>
  129. <p>• With respect to the non consumable criteria, crypto currency and fiat type currency have the equal status.</p>
  130. <p>• Crypto type currencies have high durability as compared to the fiat-currencies that have moderate level of durability.</p>
  131. <p>• Both the crypto or virtual currencies and the fiat or government currencies ensure secure and safeguarded transactions and exchange.</p>
  132. <p>• Crypto or digital currencies are highly divisible in nature. On the other hand, the fiat type currencies are moderately divisible.</p>
  133. <p>• In terms of the transaction process, the crypto currencies are easy and hassle free. Whereas, on the other hand, the traction process associated with the fiat currencies are easy, but not like the cryptos.</p>
  134. <p>• The crypto based currencies are decentralized and global in nature, unlike the fiat currencies that are centralized and functions under the laws and regulations of the government.</p>
  135. <p>• The crypto based currencies have high scarcity, where as, the fiat currencies are unlimited as the government can issue coins and paper money whenever there is a need.</p>
  136. <p>• The crypto based currencies are based on mathematical algorithms, and are programmable. The fiat currencies are not at all programmable.</p>
  137. <p>• The fiat currencies are sovereign in nature, while the crypto currencies are not.</p>
  138. <p>The process of the functioning of the currencies</p>
  139. <p>You can find the significant differences between the crypto or digital currencies and the fiat currencies with the way they both operate and the transaction process that take place. They are contrasting in nature. The transfer of money using the Bitcoin is very quick, and you absolutely don&#8217;t need any third party association.</p>
  140. <p>On the other hand, if you are involved with the money exchange using Fiat type currency, a mobile wallet is in use. You can exchange an amount of e-money that gets transferred into the equal e-value amount. Both the fiat and the crypto currencies enable you to purchase everything that you desire. But the processes involved are absolutely distinct from each other.</p>
  141. <p>Depending on the things you purchase, you will find that one currency form is better than the other. This is absolutely your choice.</p>
  142. <p>Is Bitcoin, a crypto currency better than the fiat-currency?</p>
  143. <p>The long term benefits and the capability of the Bitcoins is still not established. But it has been predicted by the crypto currency gurus and experts, that they will go a long way, especially revolutionizing the way the online transactions are done. In the current market, the Bitcoin is mainly included in the online casinos and the gambling, but it is not limited to it.</p>
  144. <p>Furthermore, when you compare the fiat currencies, the Bitcoin allows you to seize the power and authority from the banks and the government since it is not controlled. The cryptography based currency has the capability to create or come up with the free market capitals. Fiat currencies are affected by the inflation and the changes in the market, unlike the crypto based currencies. Such aspects make individuals believe that cryptograph based currencies will soon take over the mainstream currencies and bring a transformation in the way the money is used.</p>
  145. <p>Why is Bitcoins considered to be a better aspect than the fiat type currencies?</p>
  146. <p>• Bitcoin gives you the opportunity to re-create a free market capitalism.</p>
  147. <p>• The power of controlling the money is absolutely with the individuals, and not with the banks like the fiat type currencies.</p>
  148. <p>• When there is an inflation, the Bitcoin is not affected. But the Fiat type currency will be easier to lose and get affected by it.</p>
  149. <p>• The Bitcoin currency is easy easier to exchange and transfer as compared to the fiat or government currencies.</p>
  150. <p>• The transaction fees involved with the Bitcoin are way cheaper and easily affordable.</p>
  151. <p>Crypto currencies seem to be a favorable option among the people</p>
  152. <p>The fiat type currencies are the centralized and legal way of exchanging money. But, the crypto currencies have acquired immense popularity in the past few years. There will never be anyone who would act as a middle man, like the case with the banks. Moreover, the cryptos are way cheaper and less expensive that the conventional fiat currencies.</p>
  153. <p>Send money anywhere directly without waiting for the bank&#8217;s approval</p>
  154. <p>You can send money to anyone in the world directly, and it is super fast. The money gets cleared within a few minutes time. You don&#8217;t have to wait for the traditional clearing and verification processes of the banking systems, which might take up to several days to get a clearance. Since it is decentralized and doesn&#8217;t come under the law and regulations of the government, nobody has any power to do anything with your account.</p>
  155. <p>The blockchain technology has a very big role to play</p>
  156. <p>Thanks to the crypto currencies, that gives us the power and the authority to become our very own bank, and take control over our finances. It is because of the blockchain technology that offers a higher level of sophistication while dealing with the finances. In fact, there are some mainstream financial industries that have started incorporating the idea of the technology.</p>
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  161. <item>
  162. <title>Are You Choosing the Right Stock Market Advisory Company</title>
  163. <link>https://hhrlvms.info/are-you-choosing-the-right-stock-market-advisory-company,html</link>
  164. <comments>https://hhrlvms.info/are-you-choosing-the-right-stock-market-advisory-company,html#comments</comments>
  165. <pubDate>Mon, 12 Sep 2022 10:35:11 +0000</pubDate>
  166. <dc:creator>admin</dc:creator>
  167. <category><![CDATA[Uncategorized]]></category>
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  169. <category><![CDATA[help you]]></category>
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  172.  
  173. <guid isPermaLink="false">http://hhrlvms.info/?p=46</guid>
  174. <description><![CDATA[What do you do if you want to learn driving a car? You will try to find an expert teacher, isn&#8217;t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, [...]]]></description>
  175. <content:encoded><![CDATA[<p>What do you do if you want to learn driving a car? You will try to find an expert teacher, isn&#8217;t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, when it comes to investing in the stock market for the first time, you require a knowledgeable advice to attain your financial goals and get profitable returns.</p>
  176. <p>If you are a beginner, then it is quite obvious that you may be having no information about the process of buying the right shares in the market. In such a situation, getting the right tips from an experienced financial advisor or a registered advisory company will truly prove to be a great blessing in disguise. However, there are some of the important things that have to be kept in mind while choosing the top stock market advisory company, which are as follows:</p>
  177. <p>How much assistance do you actually require?</p>
  178. <p>Before you make up your mind to hire an advisor, it is imperative that you must first decide about the kind of service you require from them. You may need their help at the beginning or during the time of any issues. This is because an advisor has to formulate a map according to your requirements. Hence, it is suggested to ascertain your needs first and then take further action.</p>
  179. <p>Choose a top ranked advisory company</p>
  180. <p>It is a very important point that has to be taken into the consideration. Availing services of the well known advisory company or a financial advisor is an absolute necessity. Make it a point to carry out a proper background or research work about the company. Check out their credentials, reputation, experience, etc before hiring them.</p>
  181. <p>Asking for a sample financial plan initially makes sense</p>
  182. <p>When hiring a financial advisor, then do not forget to ask for sample plan first. It is imperative to note that there is no such thing called the perfect plan. A sample plan will help you to determine whether an advisory company is actually making sense according your requirements or not.</p>
  183. <p>Conclusion</p>
  184. <p>The financial planners or advisory companies can really turn out to be the greatest asset for you if you choose the best one. They are just like the professional sailors who can help you out to sail through stock investment related problems quite efficiently.</p>
  185. <p>Deepak is a financial advisor who likes to provide quality tips to the people facing any issues with regard to investing in the stock market. He likes to keep himself updated about the stock market by reading articles, news and blogs, etc.</p>
  186. ]]></content:encoded>
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  188. <slash:comments>0</slash:comments>
  189. </item>
  190. <item>
  191. <title>Fear and Greed in the Market</title>
  192. <link>https://hhrlvms.info/fear-and-greed-in-the-market,html</link>
  193. <comments>https://hhrlvms.info/fear-and-greed-in-the-market,html#comments</comments>
  194. <pubDate>Mon, 12 Sep 2022 10:33:26 +0000</pubDate>
  195. <dc:creator>admin</dc:creator>
  196. <category><![CDATA[Uncategorized]]></category>
  197. <category><![CDATA[company]]></category>
  198. <category><![CDATA[indicators]]></category>
  199. <category><![CDATA[investors]]></category>
  200. <category><![CDATA[Market]]></category>
  201. <category><![CDATA[technical]]></category>
  202. <category><![CDATA[trading]]></category>
  203.  
  204. <guid isPermaLink="false">http://hhrlvms.info/?p=44</guid>
  205. <description><![CDATA[Greed and Fear. Two Emotions that play a bigger factor in the success or failure of humans than any other emotion we experience. Both fear and greed refer to an intrinsic emotional state. Tens of Millions of dollars have been made and lost based on these 2 emotions alone. In trading, in business and in [...]]]></description>
  206. <content:encoded><![CDATA[<p>Greed and Fear.</p>
  207. <p>Two Emotions that play a bigger factor in the success or failure of humans than any other emotion we experience. Both fear and greed refer to an intrinsic emotional state. Tens of Millions of dollars have been made and lost based on these 2 emotions alone. In trading, in business and in relationships. So why do so many educational courses, stock trading books and online courses avoid this topic all together?</p>
  208. <p>Perhaps they are not avoiding the topic of emotions, Perhaps by teaching certain methods and skill sets to their readers they are in fact dealing with the emotional side of trading head on!</p>
  209. <p>It is well known that emotions create a certain amount of pleasure or displeasure. It is also known that emotions are networked with mood, frame of mind, desires and passions. The list goes on&#8230; So how do we as individuals develop a skill set to navigate these emotions in business in trading and in life?</p>
  210. <p>Charles Darwin argued that emotions actually served a purpose for humans and rightfully so, If our emotions have been evolving for over 2 million years. Should we not be using these amazing skills to our advantage rather than placing blame on them for poor decision making? It is my belief the poor decision making has nothing to do with emotions and everything to do with laziness and lack of planning.</p>
  211. <p>A Lesson From One of the Greats!</p>
  212. <p>I would be doing my readers a disservice if we did not mention the strategy of Warren Buffett. One of the most successful investors of our time. Warren Buffet stuck to his strategy and profited greatly. Warren Buffett showed us just how important and beneficial it is to stick to a plan. When deciding whether or not to invest in a company himself, Buffett and his partners follow a few simple guidelines, one of which involves trying to determine the company&#8217;s longevity.</p>
  213. <p>As the market becomes overwhelmed with greed, the same can happen with fear. When stocks suffer large losses for a sustained period of time, the overall market can become more fearful of sustaining even further losses. But being too fearful can be a grave mistake. It is precisely at this time successful investors and traders alike make their move. This is where the real money is made.</p>
  214. <p>Just as greed dominated the recent Cryptocurrency boom or fear dominates the headlines on potential trade war outcomes, investors quickly move around from one &#8220;secure&#8221; investment to another. It becomes a constant game of cat and mouse.</p>
  215. <p>This flooding in of money to the stock market shows a complete disregard for many technical indicators that continue to scream a correction is inescapable. Retail Investors seem overjoyed with the flooding in of headlines that read ALL TIME HIGH. Should retail investors be overrun by fear of a major correction?. Granted, losing a large portion of your retirement portfolio&#8217;s worth is a tough pill to swallow, but even harder to digest is the possibility of missing out on the massive gains the market is currently offering investors of all experience levels.</p>
  216. <p>Having a clear understanding of my own personal goals, a understanding of my success and creating a list of my OWN wants and needs rather than taking dreams of others and trying to reach them has been a colossal factor in putting out the greed flame in my own trading and daily decision-making.</p>
  217. <p>I have also added a link of &#8220;Must Read&#8221; Books that have been advantageous in my journey of reigning in my emotions on decision-making. I will update this as I see fit..</p>
  218. <p>One method I have found to be helpful is to be careful on how I measure success, wealth, goals and most importantly happiness. It is far to easy these days to allow outside influences affect our happiness and success. Social media blasts us day in and day out with the success of others.</p>
  219. ]]></content:encoded>
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  221. <slash:comments>0</slash:comments>
  222. </item>
  223. <item>
  224. <title>5 Areas Where Interest Rates Matter!</title>
  225. <link>https://hhrlvms.info/5-areas-where-interest-rates-matter,html</link>
  226. <comments>https://hhrlvms.info/5-areas-where-interest-rates-matter,html#comments</comments>
  227. <pubDate>Mon, 12 Sep 2022 10:32:13 +0000</pubDate>
  228. <dc:creator>admin</dc:creator>
  229. <category><![CDATA[Uncategorized]]></category>
  230. <category><![CDATA[buyer]]></category>
  231. <category><![CDATA[government]]></category>
  232. <category><![CDATA[politics]]></category>
  233. <category><![CDATA[pricing]]></category>
  234.  
  235. <guid isPermaLink="false">http://hhrlvms.info/?p=41</guid>
  236. <description><![CDATA[Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I [...]]]></description>
  237. <content:encoded><![CDATA[<p>Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I strongly believed, one benefits, by understanding, more about these, and how they affect, many things, in our lives! Whether, related to personal, organizational, and/ or, public finance/ spending, home ownership and related costs, credit &#8211; related issues, business matters, stock and bond pricing, etc, interest rates, truly, significantly, matter! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 of these areas, and how the cost &#8211; of &#8211; money, makes a significant difference.</p>
  238. <p>1. Bond prices and interest rates: The price of a bond, generally, is inversely &#8211; related to interest rates! When these rates go down, prices, rise, and when they go up, the inverse occurs! Bonds have, what is known, as, a par &#8211; value, which is the price, paid, at the end of the term. Markets usually set these at 100, which represents $1,000 per bond, at maturity. However, during the period, the pricing can rise or fall, which impacts, liquidity &#8211; related issues!</p>
  239. <p>2. Mortgage rates: For the last few years, we have been witnessing and experiencing, record &#8211; low, mortgage interest rates, which have helped the overall, real estate/ housing market, especially, in terms of, pricing increases! In most areas of this country, we are seeing, home prices, at their highest levels, ever, by a significant, dramatic amount! When this rate, is low, a home buyer is able to buy, more &#8211; house &#8211; for &#8211; his &#8211; bucks, because, his monthly payments, are so low! Consider, however, what might be the potential ramifications, and impacts, when these rates, will, inevitably, rise?</p>
  240. <p>3. Consumer credit: Low costs of borrowing, help the automobile industry, in terms of consumer financing, etc! Although, not as much as other vehicles, rates on credit card debt, are lower, and there are often, shorter &#8211; term, promotions, offering deals! However, since, most of these are variable, and based, on some index, etc, what happens, when there is an increase, in this?</p>
  241. <p>4. Business borrowing: Another area affected, is business cost of borrowing! Presently, they have had access, to relatively, cheap &#8211; money, which helps in reducing the costs of borrowing, overall operations, purchasing inventory, etc. But, what happens, when this, ticks &#8211; up?</p>
  242. <p>5. Impacts on stock market prices: For some time, because bonds have paid so little, in terms of dividends, etc, many have considered, the stock market, the only game, in &#8211; town! In addition, many corporations, have seemed, better &#8211; off, than they probably are, and we have witnessed, a higher, ratio of prices to profits, than in the past! How long will this last? How high can it go?</p>
  243. <p>Many factors impact these issues, especially: actual and/ or, perceived inflation; consumer confidence; politics/ government actions/ the Federal Reserve, etc. The more you know, and understand, hopefully, the better &#8211; prepared, you will be!</p>
  244. ]]></content:encoded>
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  246. <slash:comments>0</slash:comments>
  247. </item>
  248. <item>
  249. <title>How to Utilize Colors strategically in website design</title>
  250. <link>https://hhrlvms.info/how-to-utilize-colors-strategically-in-website-design,html</link>
  251. <comments>https://hhrlvms.info/how-to-utilize-colors-strategically-in-website-design,html#comments</comments>
  252. <pubDate>Mon, 12 Sep 2022 10:30:38 +0000</pubDate>
  253. <dc:creator>admin</dc:creator>
  254. <category><![CDATA[Uncategorized]]></category>
  255. <category><![CDATA[Computers]]></category>
  256. <category><![CDATA[Technology]]></category>
  257.  
  258. <guid isPermaLink="false">http://hhrlvms.info/?p=29</guid>
  259. <description><![CDATA[Color can be a powerful tool for website design. It can draw attention, convey emotion, inspire an atmosphere of desire, or directing conversation all these and more are accomplished through the clever and well-planned application of color. Similar to layouts and style of your words the color visitors will see on your website will determine [...]]]></description>
  260. <content:encoded><![CDATA[<p>Color can be a powerful tool for website design. It can draw attention, convey emotion, inspire an atmosphere of desire, or directing conversation all these and more are accomplished through the clever and well-planned application of color. Similar to layouts and style of your words the color visitors will see on your website will determine the way they feel about it and whether or whether they&#8217;ll return.</p>
  261. <p>What makes color important for Website Design</p>
  262. <p>Colors can increase the visibility of your brand and can also entice visitors to your website to engage. The impression they form subconsciously about your company could be based on your website&#8217;s color scheme. So when a web design firm is first deciding to design your site, they first look at two aspects &#8211; the feelings your brand wants to create, and the cultural and philosophical contexts that it would like to be in line with. This is the initial step to choosing the right colors for the design of your website.</p>
  263. <p>Color Psychology &#8211; colors trigger emotions<br />
  264. Psychology of color is the term used to describe the impact that color can influence a person&#8217;s feelings behaviours, feelings, and moods. Although the rules are not fixed in stone, we are drawn to certain colors because they affect our feelings. The context here is crucial. Red could mean fear and risk to certain people, but enthusiasm and passion to other people. When using colors in web design, it should blend seamlessly with aspects of the website including copy, typography, and images.</p>
  265. <p>Below are some colors and the emotions they bring. While they aren&#8217;t fixed in stone, these are generalizations and can have an impact on the people who are watching. This will help you determine the color of your choice in accordance with how you would like your viewers to feel and the actions you would like them to do.</p>
  266. <p>• Red Power, Love passion, danger exhilaration</p>
  267. <p>• Orange: fun, warmth, comfort, freedom, playfulness</p>
  268. <p>• White Peace, Clarity pure, purity, and cleanliness</p>
  269. <p>• Blue: calm, confidence peace, trust and logic, as well as reliability</p>
  270. <p>• Purple: luxury, sophistication, mystery, loyalty, creativity</p>
  271. <p>• Pink: gentleness, sincerity, nurturing, warmth</p>
  272. <p>• Green: health, nature, prosperity, abundance</p>
  273. <p>• Brown nature protection, security, support</p>
  274. <p>• Yellow: happiness, creativity, optimism, friendliness</p>
  275. <p>• The Black: class, control power, sophistication and depression</p>
  276. <p>Cultural Context<br />
  277. While various colors could have different meanings for individuals, colors can are also associated with cultural significance. In many Western countries, it is believed that black symbolizes mourning and death, while the same color is used in a variety of Eastern nations.</p>
  278. <p>The color Red is thought to be associated with focus and pressure in Western culture, while many Eastern cultures believe it is associated with luck. It is important to consider the context when making a selection of colors. Most of the time, you&#8217;ll prefer to select the colors of your company based on the audience you want to reach. Based on the location where your market is located the colors displayed on your site could convey significant messages in different ways.</p>
  279. <p>However, it&#8217;s not always the case particularly when it comes to massive and well-known brands that have images already embedded in our consciousness. The red color of Coca-Cola or KFC, for example, will typically have no negative associations anymore, considering the extent to which well-known and loved they are.</p>
  280. <p>The Basics of Color Theory</p>
  281. <p>Theory of Color is an established set of rules that can be helpful in understanding and creating complementary colors and combinations. These basic principles can assist you in creating a color colour scheme that is appropriate to your company&#8217;s specific requirements.</p>
  282. <p>Primary Colors: They are three in total &#8211; blue, red and yellow.</p>
  283. <p>Secondary Colors: These colors are created using primary color combinations like the green (yellow and blue) and orange (yellow and red) along with purple (blue plus red).</p>
  284. <p>Tertiary Colors: These are colors made by mixing primary with secondary color.</p>
  285. <p>Shades, Tints Tones: The colors listed above are referred to by some as &#8220;pure shades&#8221;. But, these colors can be used to create other colors. Tints are created by adding white to pure colors, which makes them less intense and lighter. Shades are created by adding a lack and making them heavier and more powerful. It is possible to use white and black in different levels to create tones using pure hues.</p>
  286. <p>Contrast: Contrast is the perception of the difference between two hues when put next to each other. The greater the contrast, the more the two colours stand out from one another. This is a crucial idea since different levels of contrast can make an entirely different look to your site. A text that is colored and placed with a background that is low in contrast could cause issues with reading. Contrast may also make certain elements stand out (or even deflect attention from particular elements when used effectively) in your website and can make them stand out visually.</p>
  287. <p>Color Models</p>
  288. <p>When designing graphic designs, color is defined using color models. This is due to the fact that it is possible to find millions of different colors and it&#8217;s impossible to list every single one. The standards were developed to allow us to easily define colors by using numbers.</p>
  289. <p>RGB Model: The model that is used when working with designs on the screen. RGB refers to Red as well as Green and Blue. The three colors are assigned a value of zero to 255, and the different combinations give us different shades. The colors are typically displayed as color codes, six-digit hexadecimal code numbers. It&#8217;s an &#8220;additive&#8221; color model.</p>
  290. <p>CMYK Model: This model is utilized to print for printing purposes. It is a combination of Cyan, Magenta, Yellow and Black Each color is described using its proportion of these colors. It is a &#8220;subtractive&#8221; colour model.</p>
  291. <p>the LAB Model: The word LAB means lightness, A channel as well as B channel. It&#8217;s a more complicated model. It includes the lightness factor, which is a range of zero to 100, an A component that is located on the red-green axis, and a B component that is located on the blue and yellow axis. This means that the color description is more akin to human perception when compared to RGB and CMYK models.</p>
  292. <p>Making Color Palettes</p>
  293. <p>The first color you select for your website is the primary color of your company&#8217;s branding (Red is the color of Coca Cola, for example). This is where the psychology of color is particularly useful. The color you choose is in accordance with the feelings and the personality you want to communicate. Following that, you build your color palette with the colors that complement the base color. This is the time when the color wheel is used.</p>
  294. <p>Color Wheel: A color wheel can be described as an instrument that is used to illustrate the connection between different colors. It&#8217;s basically an abstract drawing that arranges different hues of color within a circle.</p>
  295. <p>With the aid of a color wheel, you have are five primary types of color palettes you can make with the help of color wheel</p>
  296. <p>Analogous Palette: Analogous colors are put on top of each other in the form of a color wheel. They are in low contrast against each other and work well together, giving an elegant effect.</p>
  297. <p>Monochromatic Palette: The palettes are made up of one hue that is distinctive, and is complemented by elements of various colors and hues. The palette is appealing to look at. To prevent an uninteresting look it&#8217;s beneficial to add different colors, or even complimentary elements to your website.</p>
  298. <p>The HTML0 Triad Palette &#8211; This palette is composed of three colors, which are evenly spaced from each other on the wheel of color. This method should be employed with care, and not only to select colours that go well with each other and blend well but also to utilize the colors in a way that doesn&#8217;t appear too cluttered and loud.</p>
  299. <p>Complementary Palette: The Complementary palette is made up of colors that are on opposite sides of the spectrum of colors. This is a great way to create striking art designs that attract attention to certain parts of your site.</p>
  300. <p>Split-complementary Palette: The palette is similar to complement palettes, but it has another color placed beside one of the colors that complement each other on the wheel of color. If used correctly this design can be effective in creating a natural appearance without too much sound.</p>
  301. <p>Effective Tools to Inspire</p>
  302. <p>Inspiration for new colors can be found everywhere from competitor websites to nature, and the beautiful outdoors. It&#8217;s also beneficial to keep abreast of the new trends in branding. Here are some helpful tools to help you get going with fresh color concepts right away.</p>
  303. <p>Pinterest The website Pinterest is a wealth of color palette concepts developed by designers from all over the globe. They can be an incredible source of ideas.</p>
  304. <p>Pantone: The color Pantone has been the leading company in the area of color. It is an index of color that determines the various shades of the various hues. The most recent trends in color in fashion and design generally stem from pantone.</p>
  305. <p>color-scheme Creation Websites: There are many dedicated color websites for designers that can assist you in creating colors and play around with the palettes in any way you would like. This is a fantastic opportunity to try out and create new palettes for yourself. Websites such as Adobe Color Wheel, Color Collective along with Design Seeds can be great for quick ideas.</p>
  306. <p>Conclusion</p>
  307. <p>While color alone may not be the sole factor in website design, it does play an important role. If used properly and in a way that is appropriate, the color(s) that you use be a defining factor for your company&#8217;s image. Utilizing the tricks and tips that were mentioned earlier, you will not have any issues using colors in your web design to get the most impact.</p>
  308. ]]></content:encoded>
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  310. <slash:comments>0</slash:comments>
  311. </item>
  312. <item>
  313. <title>8 Tips on Hosting the Best Dinner Party in Toronto!</title>
  314. <link>https://hhrlvms.info/8-tips-on-hosting-the-best-dinner-party-in-toronto,html</link>
  315. <comments>https://hhrlvms.info/8-tips-on-hosting-the-best-dinner-party-in-toronto,html#comments</comments>
  316. <pubDate>Mon, 12 Sep 2022 10:29:23 +0000</pubDate>
  317. <dc:creator>admin</dc:creator>
  318. <category><![CDATA[Uncategorized]]></category>
  319. <category><![CDATA[Dinner Party]]></category>
  320. <category><![CDATA[perfect]]></category>
  321. <category><![CDATA[Toronto]]></category>
  322.  
  323. <guid isPermaLink="false">http://hhrlvms.info/?p=39</guid>
  324. <description><![CDATA[Summer is wrapping up, but the party season is not over yet! After all, who says you can only celebrate during the holidays? If you&#8217;re looking to host a dinner party that will be remembered long after the last dish is cleared, read on for our top 8 tips: Set the mood with music and [...]]]></description>
  325. <content:encoded><![CDATA[<p>Summer is wrapping up, but the party season is not over yet! After all, who says you can only celebrate during the holidays? If you&#8217;re looking to host a dinner party that will be remembered long after the last dish is cleared, read on for our top 8 tips:</p>
  326. <p>Set the mood with music and lighting: The right playlist can set the tone for your party. Make sure to have a few fast-paced songs to get your guests dancing and some slower tunes for when things start to wind down. And don&#8217;t forget the candles! Nothing says &#8216;romantic dinner party&#8217; quite like a few flickering flames.</p>
  327. <p>Serve up something unexpected: Sure, you could just stick to the classics like roast chicken or steak. But why not get a little creative and get your dinner party catered? At Toronto Pho, we offer a wide variety of party platters that will impress your guests. From our famous pho noodle soup platters to our unique take on Pad Thai platter, fried or fresh rolls, there is always something we can whip up that will tantalize your taste buds.</p>
  328. <p>Get everyone involved: A dinner party is a perfect opportunity to get your friends and family involved in the fun! Ask each guest to bring their favourite bottle of wine or their go-to dessert recipe. Not only will this make your job as a host a lot easier, but it&#8217;ll also make for a more enjoyable evening for everyone.</p>
  329. <p>Keep the conversation flowing: One of the keys to a successful dinner party is keeping the conversation flowing. To do this, make sure to have some icebreaker questions on hand to help get things started. And if there are any awkward silences, simply fill them with stories about your recent travels or that new show you&#8217;re binge-watching.</p>
  330. <p>Plan ahead: The last thing you want is to be scrambling around at the last minute, trying to get everything ready. To avoid this, make sure to plan and get organized. This way, you&#8217;ll be able to relax and enjoy the party along with your guests.</p>
  331. <p>Make it personal: A dinner party is perfect for showing off your unique style and personality. So don&#8217;t be afraid to let your creativity shine through! Whether it&#8217;s the food you serve, the music you play, or the decorations you choose, make sure everything reflects who you are as a host.</p>
  332. <p>Keep it simple: One of the biggest mistakes people make when hosting a dinner party is trying to do too much. Instead of going overboard, focus on keeping things simple. This way, you&#8217;ll be less likely to get stressed out, and your guests will have a more enjoyable evening.</p>
  333. <p>Have fun!: Last but not least, don&#8217;t forget to have fun! After all, that&#8217;s what a dinner party is all about. So kick back, relax, and enjoy the evening with your friends and family.</p>
  334. ]]></content:encoded>
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  336. <slash:comments>0</slash:comments>
  337. </item>
  338. <item>
  339. <title>The Failure Of Global Supply Lines</title>
  340. <link>https://hhrlvms.info/the-failure-of-global-supply-lines,html</link>
  341. <comments>https://hhrlvms.info/the-failure-of-global-supply-lines,html#comments</comments>
  342. <pubDate>Mon, 12 Sep 2022 10:27:55 +0000</pubDate>
  343. <dc:creator>admin</dc:creator>
  344. <category><![CDATA[Uncategorized]]></category>
  345. <category><![CDATA[balance]]></category>
  346. <category><![CDATA[economic]]></category>
  347. <category><![CDATA[global supply]]></category>
  348.  
  349. <guid isPermaLink="false">http://hhrlvms.info/?p=36</guid>
  350. <description><![CDATA[The failure of global supply lines in America is at least as old as the country. Its history goes back to the Boston Tea Party. An event where the supply of Tea and other products was unreliable, over-priced, and over-taxed. Back then, enterprising Americans rose to overthrow this economic dictatorship and eventually declared a free [...]]]></description>
  351. <content:encoded><![CDATA[<p>The failure of global supply lines in America is at least as old as the country. Its history goes back to the Boston Tea Party. An event where the supply of Tea and other products was unreliable, over-priced, and over-taxed.</p>
  352. <p>Back then, enterprising Americans rose to overthrow this economic dictatorship and eventually declared a free and independent country.</p>
  353. <p>Throughout the next century, America remained mainly true to the mantra: &#8220;buy American.&#8221; Thereby creating the most outstanding economy on earth. The American economy was noteworthy for its remarkable balance between supply and demand. American raw materials and American components supplied the mighty automakers in Detroit. Power came from the coal mines up and down the Appalachians—steel and glass from the plants in Pittsburgh.</p>
  354. <p>Back then, supply and demand were kept equal by the free market operation. Decisions at the plant level meant those managers could budget, plan, and store all they needed to continue production. If the plant manager saw that coal or steel was running short, they would stockpile additional inventory to meet that future shortage.</p>
  355. <p>The balance came from each actor along the supply chain, acting in their self-interest but producing a well-ordered symphony of economic harmony. It was a process that was a wonder to behold. It was what Adam Smith, nearly 200 years before, called the &#8220;Invisible Hand.&#8221;</p>
  356. <p>Unfortunately, by the 20th Century, American Politicians, along with unscrupulous business interests, who thought they had a &#8220;better way.&#8221; Let&#8217;s go global. The oil industry was one of the first sectors to move in this direction. Having developed the rich Saudi fields in the 1950s, Aramco steadily increased America&#8217;s reliance on this off-shore supplier.</p>
  357. <p>However, 20 years later, the Saudis turned the tables. From then on, the Saudis, not the Americans, would be in control. American oil and gas, at the margin, would be in the hands of the House of Saud.</p>
  358. <p>Later, the Saudis would organize all of the mid-east oil countries. They would expand their reach to the entire globe. The Americans now found themselves out in the cold. Literally in the cold, as during the OPEC Oil Embargo, we were without energy for the first time in our history. Again, we had become reliant on others for one of our most basic economic supplies.</p>
  359. <p>It was just like the Boston Tea Party all over again. Reliance on foreign supply had provided little else but a shortage. Americans had failed to learn the lessons of our history. By relying on others, we ended up with not enough.</p>
  360. <p>Again in the 1990s, the most recent iteration of &#8220;under-cut America&#8221; began. It seems the entire technology sector operated under a universal business model. Market to the Americans, but build everything in China. Apple was the first to introduce this method of production. Apple would build their iPhones, iPods, Mac computers, and other products in China. At the same time, it was designing and marketing those products in the US.</p>
  361. <p>I remember one particularly ludicrous moment when Tim Cooke, CEO of Apple, tried to make the case that those Chinese factories weren&#8217;t manufacturing facilities. They were just assembly plants—a distinction without a difference. However, Mr. Cooke would slice it. Those supply lines stretched across the Pacific. And Apple did not give those jobs to Americans.</p>
  362. <p>Today I am hard-pressed to think of a single US Technology company that doesn&#8217;t use overseas factories to build its product. And the result is that today we have supply lines that are no longer secure. We have, once again, become reliant upon far away suppliers with different business ethics and different measures of quality. Price, reliable supply, and quality of construction are all out of the American&#8217;s hands.</p>
  363. <p>The Boston Tea Party became the defining moment in this nation&#8217;s history two hundred forty-nine years ago. The moment that an unruly group called the Sons of Liberty stood up and began a series of events that would lead to American Independence. A time when Americans grew tired of working for a distant elite whose only goal seemed to be exploiting those Yankee Colonists.</p>
  364. <p>I sense that we&#8217;re close to that flash point again.</p>
  365. <p>Close to the time when the new group of &#8220;Sons and Daughters of Liberty&#8221; stand again and declare our Independence from today&#8217;s intertwined Global Elite.</p>
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