![[Valid RSS]](images/valid-rss-rogers.png "Valid RSS")
This is a valid RSS feed.
This feed is valid, but interoperability with the widest range of feed readers could be improved by implementing the following recommendations.
<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>jxdzhms.info</title> <atom:link href="http://jxdzhms.info/feed" rel="self" type="application/rss+xml" /> <link>https://jxdzhms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 00:15:35 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>11 Reasons Why Your Affiliate Business Is Doomed To Failure</title> <link>https://jxdzhms.info/11-reasons-why-your-affiliate-business-is-doomed-to-failure,html</link> <comments>https://jxdzhms.info/11-reasons-why-your-affiliate-business-is-doomed-to-failure,html#comments</comments> <pubDate>Thu, 16 Mar 2023 07:42:52 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[acakdms.info]]></category> <guid isPermaLink="false">http://jxdzhms.info/?p=63</guid> <description><![CDATA[Many an online entrepreneur has been in this situation. You keep getting back up because you know there is light at the end of the tunnel. You have tried everything, but sometimes you find it hard opening up your computer and keeping on going. When will all this work pay off? Are my friends and [...]]]></description> <content:encoded><![CDATA[<p> Many an online entrepreneur has been in this situation. You keep getting back up because you know there is light at the end of the tunnel. You have tried everything, but sometimes you find it hard opening up your computer and keeping on going. When will all this work pay off? Are my friends and family right after all? Maybe I’m wasting my time and should do something else.But then it dawns on you what alternatives you have. 9 to 5 working hours, long commutes, annoying coworkers and bosses. The unemployment line and the jobs fairs. Careers days and lack of purpose. Capped wages and job uncertainty. You realise the reasons why you are persevering online, and carry on.I have found myself in this situation many times. I often ask myself what the best course of action is. But it always comes back to time and financial freedom. I don’t want to trade time for money any more. I want something else. I don’t want to work for anyone else or trust anyone else with my income level. I don’t want to be tied up to a job I have no love for, or with people who don’t care for me.Why Is Your Affiliate Business DoomedYour affiliate business is never doomed until you are beaten! But for many people they will never achieve the time and financial freedom which they aspire to achieve. Some will give up too easily and blame their business for their shortcomings. Some will try for years only to give up later. But why do so many people struggle when trying to build a profitable online business?Number 1 – ExpectationsOne of the top reasons I suspect is our expectations. We see the guru’s with their Lamborghini’s and expect to have one ourselves soon too. We start our online business fully believing this to be possible but we don’t get any results.For one, it’s very easy to ‘show your wealth’ online. Don’t expect every guru to be telling the truth. It’s much cheaper to hire a Lamborghini for a day than it is to buy one outright. When it’s a business expense you can write it off against expenses. I’m not saying the top online entrepreneurs don’t achieve great things, just to keep it in perspective. Also, most people starting an online business aren’t interested in Lamborghini’s. They want to escape their unhappy jobs and lives. They want something better for themselves.The second point with expectations is that we can expect something too early to come from a little effort online. When we don’t see results we assume our efforts have no effect at all. The truth is that our small actions online will magnify their effect over time. Some take months to get their online business going and some take years. If you can keep positive while also having a firm grounding in reality, it will serve to keep you going for the long haul, rather than spitting out your dummy just because you haven’t made huge amounts of money for a tiny little bit of work.Ask yourself, “Do I really deserve success for the effort I have put in?”. Often the answer will be no. Only when you keep going through the difficult times and pursue knowledge as well as profit, will you arrive.Number 2 – Shiny Object SyndromeYou’re doomed to failure online if you believe everything the next ‘shiny object’ promises you. Jumping from one ‘get rich quick’ scheme to another is a futile exercise. The problem with the internet is there is too much information. We are overloaded with information. If you start browsing around for programs to teach you how to make money online you will be met with a full email inbox every day.Information overload leads to inactivity. And this leads to poverty. Just when you are about to take one course of action, another shiny new ‘system’ arrives which distracts you. Before you can apply the knowledge you have learned, you ditch it for another system which offers an even ‘easier’ way to do things online!Number 3 – DistractionsSticking to your course is difficult online. The shiny distractions, the people in your life and the well meaning friends and family who are trying to persuade you not to pursue the life of your dreams. They will try and distract you, and put you off the idea that you can make money with an internet business. The ‘status quo’ has a strong pull for people. Going a different route scares people, and they like to be comfortable.Holding to a regular pattern of work online can present some challenges. Especially if you have a full time job and family commitments. Your employer doesn’t want your online business to work either and will undermine you at every chance. They don’t want you to be free of your employment if they can’t be!All of these factors will conspire to draw you away from your internet business. No one is interested in your wealth and prosperity – only in maintaining the status quo. So number 3 on my list as to why your affiliate business is doomed to failure are distractions! Avoid distractions and focus wholeheartedly on your internet business whenever you can. Do this regularly and over a long period of time and it will start producing results.Number 4 – Lack Of KnowledgeIf we all had perfect knowledge we would all be living very different lives. But in reality we don’t know everything about everything. Our preconceived ideas come from our education, upbringing, location, the people around us and the people we spend most of our time with. Those people who advise you about your internet business – are they entrepreneurs? Are they successful?The answer is probably not. Despite this we still look to people around us for advice which they couldn’t possibly be qualified to give. The problem is, everyone seems to be a self appointed fountain of knowledge for everything!Starting out with an online business takes some know-how. Despite the fact that an internet business can change your life, most people would prefer to browse free forums and look at YouTube videos for their information. Would a doctor or a lawyer think about doing this for their career? Number 4 in the reasons of why your internet business is doomed to failure is lack of knowledge. But more than that it is the lack of interest in developing that knowledge and continuing to improve.The Busy Fool – Number 5Are you being a busy fool? Are you avoiding the important to do the unnecessary? For a long time I was focused on the wrong activities with my online business. I spent far too long creating shiny websites and adjusting images to make them look better. They didn’t even get any traffic, much less make any money. In the early stages I just thought people would randomly find my websites. All I had to do (I thought) was put them up and make them look good!Several years (years of poverty) later, I realised my mistake. Don’t be a busy fool online. An affiliate business is performance related. It’s not like a job where you can ‘wing it’ and still get paid at the end of the month. If you don’t make any sales, you don’t get paid.Concentrate your time on doing the vital money producing activities after you have learned what is necessary to build an internet business in the right way.Number 6 – The Wrong Business ModelYou can work really hard on your online business and still make no money. Conversely, you can do all the right things and make money much more easily. The difference is knowledge. Having a business model which works for you for the long term is a huge part of this.<br />Some affiliate products pay you once for a sale. After that the customer belongs to them. Further sales to the customer are not attributed to you, the affiliate. Think about the lifetime value of a loyal customer for a business. If you choose an affiliate program which rewards you for the lifetime value of a customer, you are gearing your activities to be profitable in the future, even after the initial sale.Membership products allow affiliates to earn month after month for a single sale. Are you using them? Struggling affiliates are missing a trick with this one. Membership sales can last a lifetime for each customer.Are you using a built in sales team and up-sells? A built in sales team can dramatically improve your bottom line as an affiliate. This is particularly true of high ticket sales. Use all these aspects in conjunction with each other for maximum effect. Sell single items for minimum commission and you will have a long road ahead of you to make your business viable and to quit your job (if that’s one of your goals).Number 7 – Lack Of MomentumTop affiliates don’t dabble with their business. They know it has the potential to transform their lives massively. They take massive action on a daily basis. If you’re dabbling with your business maybe it’s time to take stock. Do you have what it takes to make it work or is this just a hobby?Treat your business like a hobby and it will pay you accordingly. Treat it like a real business and it will respond in kind. Remember why you started an online business in the first place. It wasn’t to add to your to ‘do list’ and keep you busy. Remind yourself why you are bothering with an online business. Set some serious heavy weight goals for your business and take action every day to achieve them.Momentum comes from working hard in a certain direction. When you see results your motivation increases. You learn what works and work harder in those areas. If you lack focus it can become a habit to wander and dawdle. Focus on what you can do to change your state and do something positive for your business.Number 8 You Don’t Set GoalsYour online business is doomed to failure if you don’t set any goals. How can you hit a target if you don’t know what it is or where it is? If you work consistently but have no goals it could be you are filling time in to distract yourself or keep busy. Most achievements are accomplished through having specific and time bound goals. Goals should be realistic but also they should highly motivate you too.Write down some realistic goals which you are massively motivated by. Break them down into daily action steps and keep going.Many would-be internet entrepreneurs lose track of their bigger dreams and get bogged down in the daily tasks. As an entrepreneur you need to think of the bigger picture and do the daily tasks as well. You need to see the overview of your life and your business, and not get ‘stuck’ in the ‘technician’ role of daily tasks.Number 9 – Self ImageHow do you see yourself? What about when no one is looking? Or when you are around certain people? Your self image is such an important part of your success. See yourself as a success and you will become one. See yourself as a failure and you will become one.The self image is an important invisible barrier to success in all endeavors. Read Psycho-cybernetics by Maxwell Maltz if you are serious about growing your business.How do you see yourself? How do you relate to money coming in? And going out? How do you interact with other people in life? How do you feel about money? The answers to these questions can lead to a better understanding of our inner world and how we see ourselves. Unless we change our inner world we have very little chance of changing our outer circumstances. Simply because we fall back to our default ‘comfort zone’ and perpetuate our same problems which we know and feel ‘safe’ with. They are based around our self image, which we have built up over our lifetime.Number 10 – Your 10 Best FriendsLike attracts like. You can tell what kind of person someone is by looking closely at the their 10 best friends. The average of all their income will usually give you yours. You’ve probably heard the saying ‘birds of a feather flock together’. If you spend time with people who constantly complain about lack of money, trouble with their partners and work colleagues, it will be more difficult to change your reality from theirs.Find people who support your changing values and have goals in common with you. Spend less time with people who don’t support your goals and dreams. Notice how some people make you feel about your goals and aspirations.Many online businesses are doomed to failure because of this one simple thing. You are alone with your online business. You don’t have anyone around you to support your new direction, learning and goals. In fact, many of your closest friends probably secretly hope you will fail, simply because they don’t want to improve themselves. You succeeding means the ‘status quo’ changes. The social status bar has changed and they may see themselves as more of a failure measured against you by some unconscious competitiveness, which we all have a little of.<br />Find a community of entrepreneurs to help you focus on your goals and encourage you forwards.The Wrong Activities – Number 11You mean well and you work hard with your online business. Unfortunately you keep doing the same activities. Those activities which will only take you to your ultimate goal in a very long time. Maybe you just do a blog every day, hoping to get found on Google for your work. Perhaps you expect Google to be your savior? If you’re waiting for Google to rank your articles before you make any money you might be in for a long wait. Plus, Google may even never rank you highly enough to get a realistic amount of visitors to your website.Based on 1% of your visitors turning into buyers, how does your business look now? Remember the internet is an information gathering tool. No-one owes you a living. Certainly Google doesn’t. You can even be hit by a penalty, or never rank in the first place.Do you share your articles? Blogging is a good cheap source of traffic but you also need to share your content. Don’t expect Google to work for you, it’s too busy working for itself!So my number 10 reason why your internet business is doomed to failure is that you’re doing the wrong things. Doing the wrong things can only be good if you learn from it, after noticing it, and then alter your activities accordingly.Of course it all takes time. Even hard work and dedication falls on deaf ears from time to time. You need to suck it up and remember that it is just a business..Keep working and turning up. Eventually your business will thrive, but only if you do it right, get the right education from the start, join a community and keep working hard both on your business and on yourself.Keep reminding yourself that an internet business is still a business. But it’s not like any other business. If you do it right and stick at it for long enough and work hard in the right direction it can give you a lot more than most businesses.Time freedom, financial freedom and geographical freedom are all things which an internet based business can offer. But for most people it is just the simple things that really matter. Things like spending more time with friends and family, not having to work for anyone else, and working in your own way. For some it’s the income which has held their lives back for long enough to want to do something about it. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://jxdzhms.info/11-reasons-why-your-affiliate-business-is-doomed-to-failure,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Get the Most Out of Your Travel Agent</title> <link>https://jxdzhms.info/get-the-most-out-of-your-travel-agent,html</link> <comments>https://jxdzhms.info/get-the-most-out-of-your-travel-agent,html#comments</comments> <pubDate>Fri, 24 Feb 2023 11:38:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Adventure Travel]]></category> <category><![CDATA[Airline Travel]]></category> <category><![CDATA[Budget Travel]]></category> <category><![CDATA[Charter Jets]]></category> <category><![CDATA[Travel Planning]]></category> <category><![CDATA[Vacation Homes]]></category> <guid isPermaLink="false">http://jxdzhms.info/?p=61</guid> <description><![CDATA[Booking air travel, making hotel reservations and arranging vacation travel in general has changed completely with the advent of the internet and many people try to be their own travel agents. While you can arrange seemingly most of your travel yourself, you can’t do as well as your travel agent in a long run!Travel processionals, [...]]]></description> <content:encoded><![CDATA[<p> Booking air travel, making hotel reservations and arranging vacation travel in general has changed completely with the advent of the internet and many people try to be their own travel agents. While you can arrange seemingly most of your travel yourself, you can’t do as well as your travel agent in a long run!Travel processionals, whether your local travel agent, tour operator or destination specialist still possess contacts that you as an industry outsider do not have. As in number of other professions, travel agents, whether in a shopping center near your home or an online agency, wherever they may be located, do know something you do not, have way to book and arrange travel for you in ways unavailable or unknown to you.Traditionally you could contact a travel agent and ask for a quote, whether a price of an air ticket, hotel or a vacation package. For the most part travel agents still provide that kind of information, although there is a limit how much information they may disclose as not all information is readily available to them.First of all, most travel agents indeed may have at their fingertips routine cost of air ticketing, hotel rates or certain vacation packages available and will be happy to provide the price information to you instantly when asked. But once your travel request will need to be somewhat customized, whether tailored to your dates of travel or your other travel preferences, to find a relevant answer will be time consuming. Because of this time element involved, do not automatically assume an agency is keen to spend the time to furnish the information you seek when there is no commitment you will travel at all.Look at the situations from the following perspective. In the old days if you had a problem with your car, you’d drive it to your neighborhood car mechanic and asked him to see what was wrong with it. You would drop the car off at the garage, the mechanic would have a look and tell you what the problem was. He would also give you an estimate and it was up to you to decide if you wanted him to fix it right then and there, wait or seek another opinion and another quote. His services cost you nothing.But not anymore. These days, no garage, no car repair mechanic is willing to spend time trying to find out what’s the problem with your vehicle without charging you at least one hour labor upfront. Pay and he will look and tell you. Up to you if you will decide to take your car to another shop or have him fix it, he has covered his time spent diagnosing what’s wrong with your car.Similarly, many travel agencies and professional travel planners and tour operators will charge you an upfront travel planning fee if you are requesting travel arrangements that first of all are time consuming, or there is no guarantee you will book anything. All you are after are essentially private tailor-made travel arrangement s and there are no simple answers or options to give you, and the only way to find out will be for the agent to dig and consult all sorts of different sources he has at this disposal and then present the travel alternatives to you for you to decide upon.When working with a travel agent, travel planner or any other travel professional such as a knowledgeable destination specialist, keep in mind that a certain protocol will assure you will get not only the kind of travel arrangements you want in general but also you’ll gain a true partner that will always work in your best interest whether you’ll travel away from home on business or for pleasure.1. First of all, when contacting a travel agent, whether in person or online, don’t hesitate to give them your name – don’t worry, most agents won’t spam you back. Without your name when you’re asking for a valuable travel advice most agents won’t take your request too seriously. Call if you wish but most agents prefer not to take notes, email is a way to go and for an agent to look up a fare often a time means he has to plug in a name, so might as well that name will be your real name. If you decide not to accept the booking the reservation will expire and no harm done. If you decide later to purchase the reservation the agent does not have to rekey it into the system all over again.2. If you’re trying to be you own travel agent, even in part, say you plan to book your own hotels online, disclose it to the agent your are contacting for assistance, he/she may still be interested to help you with the rest of your travel arrangements. Don’t hide your intentions from the agent as agents don’t like to be used for information gathering purposes only.3. If at all possible, always contact your travel agent or destination specialist as soon as you know when and where you wish to travel, not last minute before your intended departure. That is even more important when you’re planning a trip to a lesser frequented destination.4. Don’t book your flights and hotels online and ask a travel agent to do the rest, namely the difficult parts, such as complex transportation connections, travel arrangements in remote locations or to book segments that you just feel are not safe for you to book online yourself. Give your agent to design and book your entire trip for you. The worst you can do is design your own vacation package, then copy and email the same request to dozen different agents to see who may be the lowest bidder. Yes, the internet is perfect for that kind of information gathering but look at this from a perspective of a travel agent. If he/she knows you are sending the same request to dozen agents many of them will not be too interested in dealing with you. Then again, telling them the truth they will appreciate knowing what you are doing and approach the whole thing quite differently and in the end they just might offer you a deal.5. If you’re after booking shoe-string cost of travel, for example wishing to book the lowest type of accommodations, best be your own travel agent. Do realize that agents can’t book services that are simply too cheap to begin with, not to mention that that kind of suppliers do not pay agent s any kind of commission. The agent may still help you but keep in mind he will be doing you a favor and will be working for you at no charge. If so, appreciate it, email your thank you.Do realize that to ask an agent million questions, get all the answers, including time consuming quotes, only for you to never replay again is definitely rude and turns agents off completely. If you are polite and respectful many will often work without any commitment on your part, providing you with information you need, working for free. But because of those that just siphon info out of agents so they could possibly book travel on their own leaves not only a sour taste in agent’s mouth but certainly induces the decision to charge au upfront planning fees when a next inquiry comes.6. On another hand, when it comes to upper end accommodations keep in mind these hotels routinely offer discounts to agents that agents can markup and still offer you room costs below hotel rack rates. Genuine agent is not interested in selling you a higher end hotel in order to make a higher commission but to tailor in a better trip experience for you where he deems it desirable.7. Keep in mind that there is a difference between a travel agent and a so called Destination Specialist. Most travel agents use online reservation systems to book transportation, hotel and vacation packages. They essentially book or resell ready-to-sell travel offers from a variety of suppliers that do not require more than filling in your name and dates of travel. When it comes to you needing customized arrangements, they will need to contact tour operators and destination specialists that are either part of their consortium or a network they belong to. Depending on the connections they have they will or will not be able to help you.8. Destination Specialists pride themselves in really knowing their destinations. Many of them have indeed not only traveled extensively but know a particular destination inside-out so they can arrange travel logistics for you based on knowing, rather than looking it up in a brochure or some kind of data base. Many Destination Specialists specialize in difficult, custom designed itineraries and do not sell travel packages. Often a time though not always that kind of service reflects higher markup.9. Last, please note that many destination specialists as well as travel agents work 110 or more hours per week because especially custom-design travel is indeed very time consuming. Being good at travel logistics does take experience and while with the internet it seems second nature to be able to arrange travel on your own, many travel professional are indeed very good at what they do! They do know more about travel than you, give them a chance, they can save you not only money but also many headaches and above all, they can assure not only that you’ll travel worry-free but that you may have a trip of your life! Keep in mind, a good agent is not after selling you a single ticket or a package tour, they want you to become a repeat client, their go-to-travel processional for rest of your life. </p>]]></content:encoded> <wfw:commentRss>https://jxdzhms.info/get-the-most-out-of-your-travel-agent,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Putting HOPE Back into Health Care</title> <link>https://jxdzhms.info/putting-hope-back-into-health-care,html</link> <comments>https://jxdzhms.info/putting-hope-back-into-health-care,html#comments</comments> <pubDate>Fri, 24 Feb 2023 10:29:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://jxdzhms.info/?p=59</guid> <description><![CDATA[Our current health care system is ailing. Satisfaction among patients as well as health care providers is as low as it has ever been.Even in the era of doctor making house calls, people had confidence in their doctor, who, back then, represented the health care system. Confidence was based on trust, that the doctor was [...]]]></description> <content:encoded><![CDATA[<p> Our current health care system is ailing. Satisfaction among patients as well as health care providers is as low as it has ever been.Even in the era of doctor making house calls, people had confidence in their doctor, who, back then, represented the health care system. Confidence was based on trust, that the doctor was offering the best treatment and advances possible.Today, patient trust is dwindling. Yet, there is still a great deal of trust in doctors and nurses. In a recent poll, the professions that were most greatly admired and respected by the public, second to firemen, were doctors and nurses.Lack of confidence stems not from the health providers themselves, but from the system that the doctors and nurses work for.Let’s examine some potential areas eroding public confidence in our health care system:1.) Speed: Our system has always moved quickly, but the current pace is nothing short of phrenetic. Oh yes, a doctor or nurse could move slower, but the price would be at the expense of patients who would not be seen or cared for that day. Quietly, health providers talk about feeling like they are part of a “conveyor belt” that treats paperwork more than it does people.Indeed, the amount of paperwork has increased exponentially and the “system” doesn’t show any signs of slowing down. Insurance companies, particularly managed care, has heavily contributed to this additional layer of bureaucracy taking time away from patient care. At the risk of offending managed care companies, this is the truth. Managed care was originally designed to contain costs. But the impact on care of patients is one that has yet to be determined.2.) Commercialiazation of health care: commercials etc….erodes public confidence. Patients regularly verbalize an overwhelmed and distorted image of the role of medication from watching television commercials. This is not the patient’s fault! And it works both ways, commercials can be suggestive, or implant resistance in patients who might genuinely benefit from a trial of medication. Patient’s decisions are influenced by marketing, rather than medical facts, and that just doesn’t make good clinical sense.3.) “Pill popping society” – stems in part from commercialization but also from a stressed society looking for ways to make it easier to cope4.) Conventional health care has yet to accept natural modalities as part of its treatment regimens. Yet, public opinion on this matter is very evident. Annual spending on Complementary/Alternative modalities exceeds ______/year. Yet, a large reason for this lack of integration into conventional health care remains lack of scientific research. Without large funding sources like pharmaceutical companies, natural treatments have been left largely to a word by mouth market.And the word has spread like wildfire. And most often from people with chronic health challenges whose health has been restored. Yet why haven’t these potentially life-saving remedies been studied? In fact, for many health providers in conventional medicine, caring for people suffering with these chronic health challenges, it is heart wrenching not to be able to offer people more hope.5.) The U.S. Health care system is rated 37th in the world according to the World Health Organization. Clearly these dismal results becry the need for health care solutions and transformation for the sake of our people.Health: not simply the eradication of disease but the concept of healing, restoration and rejuvenation, particularly for those with chronic health conditions. Included in this is the incorporation of preventative health care into mainstream medicine.Transformation of health care = Hope for all </p>]]></content:encoded> <wfw:commentRss>https://jxdzhms.info/putting-hope-back-into-health-care,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Overview of the Ministry of Education</title> <link>https://jxdzhms.info/overview-of-the-ministry-of-education,html</link> <comments>https://jxdzhms.info/overview-of-the-ministry-of-education,html#comments</comments> <pubDate>Fri, 24 Feb 2023 07:40:49 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Education]]></category> <guid isPermaLink="false">http://jxdzhms.info/?p=57</guid> <description><![CDATA[The MoE is New Zealand’s main state education organization.Originally there was a huge state department covering all aspects of educations, aptly named The Department of Education. This DoE was disbanded in 1989 and converted into more specialized organizations.The Ministry of Education does not teach per say but tries to set education standards in New Zealand [...]]]></description> <content:encoded><![CDATA[<p> The MoE is New Zealand’s main state education organization.Originally there was a huge state department covering all aspects of educations, aptly named The Department of Education. This DoE was disbanded in 1989 and converted into more specialized organizations.The Ministry of Education does not teach per say but tries to set education standards in New Zealand as well as develop and expand policies.The ministry offers many services to education providers, parents and the government.They offer a wide range of services as well as information. Some of areas are listed below;Help for Education OrganizationThey get involved with education organizations to help ensure they are following the teaching guidelines and policies.They also provide support to these organizations to make sure they have all the information they need to provide a quality teaching experience to their students.Helping ParentsThey also do a great job helping parents directly.They help the parents make the right decision regarding which education organization is right for them and showing them all their options to help them make an informed decision when it comes to educating their child.Researching EducationThey also are very much involved with researching the current and future state of education systems in New Zealand. They can use this research to better help them make the right policy decisions and other aspects of education leadership.Developing PoliciesAnother responsibility of the ministry is to develop policies for the education systems in New Zealand. The aim of these policies is to help raise the standards of education.Resources for TeachersThey also provide an immense offline and online research resource for teachers. The teachers can refer to this information resource to ensure they are following the correct standards of education, ways to determining their progress as a teacher and learning about how they can further themselves by taking part in advanced scholarships.Providing Help for StudentsThey also help students directly especially for students with special learning needs. This can be a great help to the student who is having problems keeping up or following a particular education program.As well as the areas listed above they also offer a number of useful resources online including a directory listing of early childhood education and childcare providers.This is useful for parents as they can choose a certain location (region and city) and the type of service they are looking for (playcentres, casual education providers etc) and it will show them a list of providers in that area.You can click here to find the ministry’s website which has a vast array of education resources for parents, teachers and education providers. </p>]]></content:encoded> <wfw:commentRss>https://jxdzhms.info/overview-of-the-ministry-of-education,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Debt Consolidation Loans: Home Equity or Unsecured Loan?</title> <link>https://jxdzhms.info/debt-consolidation-loans-home-equity-or-unsecured-loan,html</link> <comments>https://jxdzhms.info/debt-consolidation-loans-home-equity-or-unsecured-loan,html#comments</comments> <pubDate>Fri, 24 Feb 2023 06:20:27 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://jxdzhms.info/?p=55</guid> <description><![CDATA[According to the Federal Reserve, Americans carry around $5,800 in credit card debt from month to month. Making the minimum monthly payment on that debt would take 30 years to pay off, and include an additional $15,000 in interest. According to the Administrative Office of the Courts, 2,078,415 bankruptcies were filed in 2005–the largest number [...]]]></description> <content:encoded><![CDATA[<p> According to the Federal Reserve, Americans carry around $5,800 in credit card debt from month to month. Making the minimum monthly payment on that debt would take 30 years to pay off, and include an additional $15,000 in interest. According to the Administrative Office of the Courts, 2,078,415 bankruptcies were filed in 2005–the largest number of bankruptcy petitions in the history of the federal courts. With the new tougher bankruptcy laws, people are looking for alternative ways of managing their debts.Debt consolidation loans are a popular way for people to free up money each month by consolidating several monthly credit card payments into a single lower interest loan. But, the question is whether it’s best to consolidate those debts into a home equity loan or an unsecured debt consolidation loan.Debt Consolidation Home Equity LoansA home equity loan is a one-time lump sum of money you receive in the form of a second mortgage that is secured by the equity in your home. Equity is the difference between how much the home is worth and how much altogether you own on it.A second mortgage loan is usually a fixed interest loan with rates that runs slightly higher than those of a first mortgage loan, unless it’s a 125% Loan To Value (LTV) loan that allows homeowners to borrow beyond the value of their homes. Those rates usually run much higher that other second mortgages and origination fees can be as much as 10% of the loan balance.Home equity loans usually are repaid in a shorter time than first mortgages, with repayment periods typically being between 5 and 20 years. Like a first mortgage, you have to pay off the balance of a home equity loan when you sell your home, so it’s best to find out if there are any prepayment penalties or balloon payments on your loan in case you decide to pay the loan early or sell your house before the loan matures.Benefits and Drawbacks of Home Equity LoansThe main benefit of a debt consolidation home equity loan is that most states allow you to deduct up to 100% of the interest you pay on your taxes. Other benefits include the fact that home equity loans typically have a lower interest rate than unsecured loans, and borrowers can get relatively large amounts of money.While home equity loans have attractive benefits, there are also major drawbacks. One is that if you fail to meet the payment schedule required by the loan, the lender can foreclose on your home and you will lose it even if you go into bankruptcy. Secured loans are not dischargeable by Chapter 7 bankruptcy.Another major drawback is that exploitative lenders target homeowners, especially those with low incomes or poor credit. According to the Federal Trade Commission (FTC), there are many predatory scams, including:· Equity Stripping: The loan is based on the equity in your home, not on your ability to repay it.· Credit Insurance Packing: The lender adds credit insurance to your loan, which you may not need.· Bait and Switch: The lender offers one set of loan terms when you apply, then pressures you into higher charges when you sign to complete the transaction.· Deceptive Loan Servicing: The lender doesn’t provide you with accurate or complete account statements and payoff figures. That makes it nearly impossible for you to determine how much you’ve paid and how much you owe.If you are not sure whether a home equity loan is right for your needs, you may want to consider an unsecured personal debt consolidation loan.Personal Unsecured Debt Consolidation LoanIf your credit is relatively good, and you are employed, you may be able to obtain an unsecured personal loan to pay off some or all of your high-interest credit card debts. With a personal unsecured debt consolidation loan, there is no collateral against the loan. This means that the lender is relying only on your promise to repay the loan according to the loan’s terms and conditions. While the loan amounts are not as much as those of debt consolidation home equity loans, they can amount up to $10,000. Loans up to $1,000 may not even require a credit check.When shopping for a personal unsecured debt consolidation loan, it is important to shop around for the best rates and loan terms. Unsecured debt consolidation loans have lower interest rates than credit cards, but they generally have higher interest rates than secured personal loans like home equity loans. Some loans allow you to take anywhere from one to five years to repay, which can ease financial stress.Benefits and Drawbacks of Personal Unsecured Debt Consolidation Loans<br />The main benefit of getting an unsecured debt consolidation loan is that if you are forced into bankruptcy, the unsecured debt may be discharged in the bankruptcy proceedings.The main drawback is that you must have good to excellent credit to get an unsecured debt consolidation loan, and the loan amounts are typically less than a home equity loan. The interest rates on unsecured debt consolidation loans are typically much higher than that of a home equity loan, and it is not unusual for a debt consolidator to obtain a commission of 10% or more on your new loan.In ConclusionThe answer to the question of whether you should get a debt consolidation home equity loan or unsecured personal loan all depends on your financial circumstances. If you have relatively good credit, are employed and only a few debts you need to consolidate, you may benefit from getting an unsecured personal loan. However, if your credit is not so good or you have a lot of debts, a home equity loan may your best answer. </p>]]></content:encoded> <wfw:commentRss>https://jxdzhms.info/debt-consolidation-loans-home-equity-or-unsecured-loan,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Student Loan Consolidation Companies – How to Choose the Right Company For You</title> <link>https://jxdzhms.info/student-loan-consolidation-companies-how-to-choose-the-right-company-for-you,html</link> <comments>https://jxdzhms.info/student-loan-consolidation-companies-how-to-choose-the-right-company-for-you,html#comments</comments> <pubDate>Fri, 24 Feb 2023 04:38:09 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://jxdzhms.info/?p=53</guid> <description><![CDATA[Student loan consolidation is a way for graduates to have all their student loans combined into one loan. This loan is handled by one creditor. The creditor pays the multiple loans in full, leaving the student to pay for one new loan. Students no longer need to pay multiple student loans with separate billing cycles, [...]]]></description> <content:encoded><![CDATA[<p> Student loan consolidation is a way for graduates to have all their student loans combined into one loan. This loan is handled by one creditor. The creditor pays the multiple loans in full, leaving the student to pay for one new loan. Students no longer need to pay multiple student loans with separate billing cycles, dates or interest rates. They now have one loan and one interest rate, to be paid to one creditor.When considering loan consolidation. You should do the research. First know the terms of agreement, monthly payments, and interest rates for each loan and creditor before looking for a loan consolidation company or program. When selecting a company or program, make it a point to compare them; know their terms of agreement, interest rates and obligations. Once you have carefully selected a company or program you feel is suitable for you provide them the information you had gathered.There are Federal and Private Student Loan Consolidations. Federal Student Loan allows a student to have all their Federal loans combined into one new loan.The government provides Federal programs such as:o The Federal Family Education Loan Program (FFEL). FFEL will soon be replaced by the Direct Loan program and Pell Grant and the Federal Direct Student Loan Program (FDLP). These programs allow students to have their loans from Stafford Loans, Federal Perkins Loans and PLUS Loans combined into one Federal loan. These are fixed-rate loans backed up by the U.S. Government, offered to students and parents.o The Federal Direct Student Loan Program (FDLP) was created by the U.S. Department of Education in effort to assist parents and students with their loans.Private Loan Consolidation is combining private student loans into one new loan. Before considering private loan consolidation, apply for a federal loan, the reason for this is to better maximize federal loans that are available. Private companies such as Sallie Mae recommend it.Here are several Federal Loans:<br />o Perkins Loans are funded by the government. They carry a very low interest rate but are need-based, a financial officer would determine if a student is eligible.o PLUS Loans are for parents of undergraduate students. There are also PLUS Loans for students as well. Payments on this plan will begin once this loan is approved. PLUS loans allow you to take up to 10 years for repayment. Commercial banks and online lenders offer PLUS Loans for both parents and students.o Stafford Loans offer a low interest rate. They do not raise their interest rates any higher. Stafford loans do not require a student to pay any interest while at school and are not required to pay the loan in the six months after graduation. It offers 10 years for repayment.Here are a few private companies that offer Loan consolidation:o Loan Approval Direct offers interest rates as low as 3 percent. Reducing a student’s monthly loan to as much as 60 percent.o SLM Corporation or commonly named Sallie Mae. Sallie Mae offers a range of options depending on the type of school or what education program a student would have. Such programs include Federal Stafford Loan, Parent PLUS Loan, Graduate PLUS Loan, Sallie Mae Smart Option Student Loan, Continuing Education Loan and Career Training Loan.o Citibank provides programs such as CitiAssist Undergraduate and Graduate Loans, CitiAssist Health Professions; CitiAssist Residency, Relocation and Review Loans; and the CitiAssist Law and CitiAssist Bar Exam Loans. Students receive a 0.25% interest rate reduction in their auto-debit payment program. These programs take up to 20 to 25 years to repay.o EdFed is another private company. By selecting one of their plans a student can lower their monthly payment by as much as 60 percent. They also provide interest-only payments. The fixed interest on EdFed is the weighted average of the interest rates of the loans a student consolidated, rounded to the nearest 1/8th percent. </p>]]></content:encoded> <wfw:commentRss>https://jxdzhms.info/student-loan-consolidation-companies-how-to-choose-the-right-company-for-you,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Corporate Governance and Small Businesses</title> <link>https://jxdzhms.info/corporate-governance-and-small-businesses,html</link> <comments>https://jxdzhms.info/corporate-governance-and-small-businesses,html#comments</comments> <pubDate>Thu, 23 Feb 2023 18:52:27 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Small Business]]></category> <guid isPermaLink="false">http://jxdzhms.info/?p=50</guid> <description><![CDATA[Let’s start with some review of what types of companies primarily drive the US economy. We know that there are about 16,000 publicly traded companies represented on the NASDAQ, NYSE and the AMEX. The key economic driver in the US is the 27 million small businesses. The Small Business Administration 2008 Presidential Report on The [...]]]></description> <content:encoded><![CDATA[<p> Let’s start with some review of what types of companies primarily drive the US economy. We know that there are about 16,000 publicly traded companies represented on the NASDAQ, NYSE and the AMEX. The key economic driver in the US is the 27 million small businesses. The Small Business Administration 2008 Presidential Report on The Small Business Economy clearly communicated “the economy generated 1.1 million net new jobs in 2007. In the first quarter of 2007, 74 percent of the net new jobs were in small firms with fewer than 500 employees and 22 percent were in firms with fewer than 20 employees.” Yet, the gross amount of attention in the media and the federal bureaucracy is around what is happening in the Markets. This is understandable with the volumes of dollars transitioning in this public environment. The economic recovery program is not addressing the core of the economy, small businesses. More than ever the public market environment is being questioned about corporate governance. The new legislation being considered for public companies has sections that may very well trickle down and require the small businesses to adhere to similar if not exact rules on Corporate Governance.A simple definition of Corporate Governance for the small business: Corporate governance simply refers to the set of internal policies, rules, and procedures that a company follows on a regular basis to ensure that it operates in a fair, equitable, and appropriate manner for the benefit of the company, its management and its shareholders. A corporation usually has a board of directors and a senior “C” level management team. Most small businesses do not have these organizational entities clearly defined and functional. For private companies that are registered as a corporation and have investors, the various states require these entities to have a governing board. Yet many small businesses incorporate for tax issues and do not necessarily pay attention to the concepts of corporate governance. How does Corporate Governance apply to small businesses? All businesses should look at their organizational structure and continually assess what will allow the company to perform in an optimal way. The simplest way to implement this is to have an advisory board. The advisory board is non-paid individuals that have business or industry specific backgrounds that can contribute ideas or mentor management. In more formal and traditional cases a small corporation has a board of directors comprised of the founders, a spouse, an employee and maybe – just maybe an outside director. The focal point of corporate governance within small businesses is that all businesses need to set company strategic goals, provide the leadership to put them into effect, supervise the management of the business, and if the company has stockholders, report to the stockholders on their stewardship. For those small businesses that do not have the hierarchical structure in place to implement formal corporate governance plans, it is recommended that regular self assessment of the company will be the starting place for accountability, to enhance performance, grow the company and be a greater contributing force in the economy. At the end of the day, if you follow some set of policies and procedures and are reporting your stewardship of the company to someone even if it is your dog, then you have accountability that is key to corporate governance practices.Will the government impose its will and definition of Corporate Governance from the public markets into the small business environment?This imposition of government from the public market companies to privately held companies is making its way through the halls of congress. One idea being tagged onto present legislation is to extend Sarbanes-Oxley down to privately held companies. Anyone that knows anything about SOX is aware of the high cost to implement the documentation processes and the reporting. Pushing this down to the small business environment would be cost prohibitive and stunt economic growth. The general politics of mandated corporate governance is to wait and see how new legislation will affect the small businesses driving the US economy.As a final note, every company, no matter what size it is, will see the positive effects of implementing the principles of corporate governance. The facts remain that there are 27 million plus small businesses in the US who are the job creators and the drivers of the economy. The greatness of US business is that it performs the best when individuals come together in a free market environment to meet the needs of the economy and society. In the end, best practices of corporate governance can be freely implemented to benefit the company or corporate governance can be instituted by the government, which can cost more in resources, planning and profit. Take the time to assess how your small business views corporate governance and how this will enhance your growth in the market place. </p>]]></content:encoded> <wfw:commentRss>https://jxdzhms.info/corporate-governance-and-small-businesses,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://jxdzhms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://jxdzhms.info/crypto-currency-vs-fiat-currency,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:40:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cash]]></category> <category><![CDATA[Crypto currency]]></category> <category><![CDATA[currency]]></category> <guid isPermaLink="false">http://jxdzhms.info/?p=48</guid> <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> <content:encoded><![CDATA[<p>Crypto currency vs. Fiat currency</p><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><p>In cashless society- crypto money play a huge role</p><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><p>Crypto currency and fiat currency are always at loggerheads</p><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><p>Differentiating in what the currencies stand for</p><p>Before going for the difference between the two, you must understand what do they stand for and how are they are defined.</p><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’t have any backup from the central government or bank.<br />Hence, the difference between crypto currency and fiat currency is noted as follows:</p><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><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><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><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><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><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><p>The different types of crypto and fiat currencies</p><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><p>The differences in the anonymity between the two currencies</p><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’t need to undergo any of the required processes with the crypto currencies. Though your personal information and confidential details don’t get public, but all your transactions are recorded and tracked in both the fiat and the crypto currencies.</p><p>Fiat currency vs crypto currency: transparency level</p><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’ transactions.</p><p>• The fiat or govt. currencies are not transparent, as there are not public chains to see the revenue streams of the people.</p><p>A comparative historical roots</p><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><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><p>A comparative history of the two currencies:</p><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><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><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><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’t receive as much attention as Bitcoin.</p><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><p>The traits of both the currencies</p><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><p>Let us compare their traits with respect to certain factors.</p><p>• Both the crypto coins and fiat type currencies are interchangeable in nature.</p><p>• As per the portability is concerned both the currencies secure more or less the same position.</p><p>• With respect to the non consumable criteria, crypto currency and fiat type currency have the equal status.</p><p>• Crypto type currencies have high durability as compared to the fiat-currencies that have moderate level of durability.</p><p>• Both the crypto or virtual currencies and the fiat or government currencies ensure secure and safeguarded transactions and exchange.</p><p>• Crypto or digital currencies are highly divisible in nature. On the other hand, the fiat type currencies are moderately divisible.</p><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><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><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><p>• The crypto based currencies are based on mathematical algorithms, and are programmable. The fiat currencies are not at all programmable.</p><p>• The fiat currencies are sovereign in nature, while the crypto currencies are not.</p><p>The process of the functioning of the currencies</p><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’t need any third party association.</p><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><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><p>Is Bitcoin, a crypto currency better than the fiat-currency?</p><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><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><p>Why is Bitcoins considered to be a better aspect than the fiat type currencies?</p><p>• Bitcoin gives you the opportunity to re-create a free market capitalism.</p><p>• The power of controlling the money is absolutely with the individuals, and not with the banks like the fiat type currencies.</p><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><p>• The Bitcoin currency is easy easier to exchange and transfer as compared to the fiat or government currencies.</p><p>• The transaction fees involved with the Bitcoin are way cheaper and easily affordable.</p><p>Crypto currencies seem to be a favorable option among the people</p><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><p>Send money anywhere directly without waiting for the bank’s approval</p><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’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’t come under the law and regulations of the government, nobody has any power to do anything with your account.</p><p>The blockchain technology has a very big role to play</p><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>]]></content:encoded> <wfw:commentRss>https://jxdzhms.info/crypto-currency-vs-fiat-currency,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Are You Choosing the Right Stock Market Advisory Company</title> <link>https://jxdzhms.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://jxdzhms.info/are-you-choosing-the-right-stock-market-advisory-company,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:35:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[financial]]></category> <category><![CDATA[help you]]></category> <category><![CDATA[planners]]></category> <category><![CDATA[point]]></category> <guid isPermaLink="false">http://jxdzhms.info/?p=46</guid> <description><![CDATA[What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’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> <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’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><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><p>How much assistance do you actually require?</p><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><p>Choose a top ranked advisory company</p><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><p>Asking for a sample financial plan initially makes sense</p><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><p>Conclusion</p><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><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>]]></content:encoded> <wfw:commentRss>https://jxdzhms.info/are-you-choosing-the-right-stock-market-advisory-company,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Fear and Greed in the Market</title> <link>https://jxdzhms.info/fear-and-greed-in-the-market,html</link> <comments>https://jxdzhms.info/fear-and-greed-in-the-market,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:33:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[company]]></category> <category><![CDATA[indicators]]></category> <category><![CDATA[investors]]></category> <category><![CDATA[Market]]></category> <category><![CDATA[technical]]></category> <category><![CDATA[trading]]></category> <guid isPermaLink="false">http://jxdzhms.info/?p=44</guid> <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> <content:encoded><![CDATA[<p>Greed and Fear.</p><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><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><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… So how do we as individuals develop a skill set to navigate these emotions in business in trading and in life?</p><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><p>A Lesson From One of the Greats!</p><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’s longevity.</p><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><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 “secure” investment to another. It becomes a constant game of cat and mouse.</p><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’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><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><p>I have also added a link of “Must Read” 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><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>]]></content:encoded> <wfw:commentRss>https://jxdzhms.info/fear-and-greed-in-the-market,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
Download the "valid RSS" banner.
Upload the image to your own server. (This step is important. Please do not link directly to the image on this server.)
Add this HTML to your page (change the image src attribute if necessary):
If you would like to create a text link instead, here is the URL you can use:
http://www.feedvalidator.org/check.cgi?url=https%3A//jxdzhms.info/feed
