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<?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>Economic Trends</title> <atom:link href="http://ahqanmj.info/feed/" rel="self" type="application/rss+xml" /> <link>https://ahqanmj.info</link> <description></description> <lastBuildDate>Fri, 22 Nov 2024 11:37:14 +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>Why Use Video Submission in SEO</title> <link>https://ahqanmj.info/why-use-video-submission-in-seo/</link> <comments>https://ahqanmj.info/why-use-video-submission-in-seo/#comments</comments> <pubDate>Fri, 26 May 2023 23:27:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[videos]]></category> <category><![CDATA[aarthi short videos]]></category> <category><![CDATA[comedy videos]]></category> <category><![CDATA[fail videos]]></category> <category><![CDATA[family video]]></category> <category><![CDATA[family videos]]></category> <category><![CDATA[full video]]></category> <category><![CDATA[funny animal videos]]></category> <category><![CDATA[funny fail video]]></category> <category><![CDATA[funny fails videos]]></category> <category><![CDATA[funny video]]></category> <category><![CDATA[funny videos]]></category> <category><![CDATA[funny videos 2022]]></category> <category><![CDATA[funny videos 2023]]></category> <category><![CDATA[kids video]]></category> <category><![CDATA[music video shoot]]></category> <category><![CDATA[race video]]></category> <category><![CDATA[racing video]]></category> <category><![CDATA[sad video]]></category> <category><![CDATA[shorts story videos]]></category> <category><![CDATA[shorts video]]></category> <category><![CDATA[shorts videos]]></category> <category><![CDATA[story video]]></category> <category><![CDATA[travel videos]]></category> <category><![CDATA[videos de comida]]></category> <category><![CDATA[videos de horror]]></category> <category><![CDATA[videos de miedo]]></category> <category><![CDATA[videos interesantes]]></category> <category><![CDATA[videos paranormales]]></category> <guid isPermaLink="false">http://ahqanmj.info/?p=77</guid> <description><![CDATA[Anyone who owns a website wants to gain that holy grail of being on the first page, or in the top three position of a Google search for their chosen keywords. This is something we all wish to attain and using all known SEO white hat techniques, try to achieve; but how many of you [...]]]></description> <content:encoded><![CDATA[<div id="article-content"><p>Anyone who owns a website wants to gain that holy grail of being on the first page, or in the top three position of a Google search for their chosen keywords. This is something we all wish to attain and using all known SEO white hat techniques, try to achieve; but how many of you are utilising the power of video link building to achieve this?</p><p>We are sure the answer is not many of you, but this is a huge area of SEO that can give massive benefits.</p><p>The reason why video submission is not used by many in their SEO strategy is, it requires the creation of many videos relative to the website it is linking to. On top of this, video link building requires many accounts set up on video sites like YouTube and time dedicated to publishing the videos on the different accounts.</p><p>What are the benefits of video link building?</p><p>Using video link building through video submission to video sites is beneficial to SEO for many reasons, but today we will stay with the main core reasons.</p><p>The main focal point is that the video sites generally have a very high page rank because of their popularity and brand name. This means that the link generated to your site is a quality and high-ranking link which is perfect for your sites search engine optimization.</p><p>On top of the above your videos will end up in the video results on Google offering you an alternative to the standard organic rankings for sites and images.</p><p>While the organic site rankings and the image rankings have massive competition and are harder to achieve top page results, the video search rankings are not. The reason for this is that the video search rankings are less competitive and you will have an easier time at achieving high rankings there.</p><p>On top of the SEO element, video submission offers a brilliant way of bringing in more site traffic and also building your reputation. As videos are a great visual aid, many will view your videos and want to know more about your business and follow the link to your site. On top of this, the videos will improve your business credentials if they are of a high quality and many will see you as a leader in your field.</p><p>Going back to the reasons why people don’t use video submissions in their SEO and the answer being time, there are alternative options.</p><p>If you don’t have time to carry out video submissions then why not use a <a target="_new" rel="nofollow" href="http://www.submit5.com">video submission service</a>? Some of the reputable SEO businesses available on the internet offer video submission services. These services include the SEO business creating videos for your business then upload them to the video sharing site with a link back to your site for you.</p><p>These services are also tailored to your needs so you can outline what you want in your videos and what anchor text you want for your links (if applicable as some sites don’t allow anchored text).</p><p>Many of you may have wondered how competitors are keeping ahead in the SEO game as you work hard to attain and keep high-ranking results in Google. The truth is they are probably using videos in an effective way to build a reputation and also high-ranking links through the medium of video.</p><p>If you are looking to gain that important SEO advantage then video sharing is the next step in building a successful SEO strategy. So why not take the plunge and look for an SEO business that offers this great and relatively unused SEO technique?</p></p></div><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://ahqanmj.info/why-use-video-submission-in-seo/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Home Computer Employment – Sit At Home & Let Money Rain In Your Hands!</title> <link>https://ahqanmj.info/home-computer-employment-sit-at-home-let-money-rain-in-your-hands/</link> <comments>https://ahqanmj.info/home-computer-employment-sit-at-home-let-money-rain-in-your-hands/#comments</comments> <pubDate>Fri, 12 May 2023 10:13:52 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Employment Work]]></category> <guid isPermaLink="false">http://ahqanmj.info/?p=75</guid> <description><![CDATA[Lawyers need to go to the court to have their say. The life savers, doctors and nurses, have to assist the patients, day and night. Though software engineers are glued to the computer, they have to go to office and work day and night to finish the project. But the more convenient and a better [...]]]></description> <content:encoded><![CDATA[<p> Lawyers need to go to the court to have their say. The life savers, doctors and nurses, have to assist the patients, day and night. Though software engineers are glued to the computer, they have to go to office and work day and night to finish the project. But the more convenient and a better option to sit at ease at home and earn money, can be done only by home bases computer employmentIn the present days, owning a personal computer by a middle income family is like a bottle having a cap for it. And, most jobs need the person outdoor. But, only computer based jobs jut need a room with a computer, to sit and work. Hence, it’s the easiest and the obvious for a home based earning.Various kinds of computer based jobs that can be done at home are available. But the most widespread job opted, is freelance writing. Of course, a pen and paper is more than enough to write. In fact, world famous Jeffery Archer wrote a book when he had no access with the outside world, when imprisoned, just with a pen and paper. But he had post mail to mail his writings. But the days have become advanced and e-mail in on roll. So for submitting you work, you need a computer to type your work and mail it to your boss. The pen is replaced by your fingers and the paper by the monitor. The only other thing you have to own is the creativity in writing it.Have your interests been aroused? Do you have the creativity of writing and wish to try your hands with the freelance writing? Then go online, surf the net and search. You will find thousands of such job opportunities. But beware! The world id wicked! With the magnitude of scams on a rise, the veracity of those offers and ads need to be well checked, before you enroll yourself as a freelance writer.Like freelance writing, there’s also free lance encoding, another home employment using computers. If you’re a computer freak and a techno wiz, this is for you! Many upcoming corporate organizations are direly in search for free lance encoding employees who can type their books, reports and little other info in their word processor, few even want their records to be shifted into a database. Basically, the job involves transferring data from hard copy to soft copy, in their required form.Few other widespread home based employment using computers include enhancing and developing the web, developing the flash player, graphic design and programming design. All these work require is the skill and knowledge of computers and automation. </p>]]></content:encoded> <wfw:commentRss>https://ahqanmj.info/home-computer-employment-sit-at-home-let-money-rain-in-your-hands/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>There is an excessive amount of traffic coming from your Region.</title> <link>https://ahqanmj.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region/</link> <comments>https://ahqanmj.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region/#comments</comments> <pubDate>Thu, 11 May 2023 19:29:48 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Health and Fitness]]></category> <category><![CDATA[Acne]]></category> <category><![CDATA[Anti Aging]]></category> <category><![CDATA[Beauty]]></category> <category><![CDATA[Cosmetic Surgery]]></category> <category><![CDATA[Diabetes]]></category> <category><![CDATA[Drug Abuse]]></category> <category><![CDATA[Massage]]></category> <category><![CDATA[Meditation]]></category> <category><![CDATA[Nutrition]]></category> <category><![CDATA[Personal Training]]></category> <category><![CDATA[Popular Diets]]></category> <category><![CDATA[Skin Care]]></category> <category><![CDATA[Spa and Wellness]]></category> <category><![CDATA[Speech Pathology]]></category> <category><![CDATA[Weight Loss]]></category> <category><![CDATA[Yoga]]></category> <guid isPermaLink="false">http://ahqanmj.info/?p=72</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://ahqanmj.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Basics Of Digital Photography Exposed</title> <link>https://ahqanmj.info/the-basics-of-digital-photography-exposed/</link> <comments>https://ahqanmj.info/the-basics-of-digital-photography-exposed/#comments</comments> <pubDate>Tue, 18 Apr 2023 22:35:01 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[ai photography]]></category> <category><![CDATA[digital photography]]></category> <category><![CDATA[ed sheeran photograph]]></category> <category><![CDATA[film photography]]></category> <category><![CDATA[landscape photography]]></category> <category><![CDATA[landscape photography tips]]></category> <category><![CDATA[landscape photography tutorial]]></category> <category><![CDATA[learn photography]]></category> <category><![CDATA[lyrics photograph]]></category> <category><![CDATA[outdoor photography]]></category> <category><![CDATA[photograph]]></category> <category><![CDATA[photograph lyrics]]></category> <category><![CDATA[photography]]></category> <category><![CDATA[photography for beginners]]></category> <category><![CDATA[photography ideas]]></category> <category><![CDATA[photography lessons]]></category> <category><![CDATA[photography tips]]></category> <category><![CDATA[photography tutorial]]></category> <category><![CDATA[street photography]]></category> <category><![CDATA[street photography basics]]></category> <category><![CDATA[street photography tips]]></category> <category><![CDATA[travel photography]]></category> <guid isPermaLink="false">http://ahqanmj.info/?p=69</guid> <description><![CDATA[Here I shall put forward a few basic photography recommendations that will assist beginners start off in the field of photography. Digital photography itself can be a significant leap forward from the old style photography that some beginners might still use even these days. With any luck, these few guidelines can help you really feel [...]]]></description> <content:encoded><![CDATA[<p> Here I shall put forward a few basic photography recommendations that will assist beginners start off in the field of photography. Digital photography itself can be a significant leap forward from the old style photography that some beginners might still use even these days. With any luck, these few guidelines can help you really feel at home with your new camera.To begin with before you start off you should always browse over the camera user manual, and despite the fact that this sounds logical, it is really incredible to know that many people find themselves throwing the digital camera guide away, and don’t actually read it. The users handbook will explain all you need to know about the digital camera itself, as well as the various features and settings located on the camera. Most importantly it’s going to tell you how long to charge your camera battery before you use the camera,as if the battery is not charged for the correct time period at the start you will never get the proper lifetime out of the battery.One more note I would really like to include on the battery concern is by no means leave your camera redundant during long stretches with the battery still inside. Should it be not in use during long stretches then take out the battery. Do not take on the risk of breaking your photographic camera.Second of all in the event that you reside in an urban area or city why not check around and see if you have a digital camera club near by. Perhaps even if there exists a local college in the area they might have a digital camera club. It will definitely help to have the capacity to ask people questions on a one to one base, to get other peoples ideas and thoughts,and occasionally they’ll hold talks or even competitive events that will provide you with new ideas about how exactly to make use of your digital camera in a variety of conditions.Learning the basic principles of camera use is extremely important because a digital camera could be a very costly purchase. There isn’t a lot of point having to pay big bucks for a higher specs digital camera when you do not know precisely what most of the camera settings can be used for. When you have read the users handbook and also properly charged and mounted the battery, you’re all set to start taking photos. At this stage a lot of completely new digital photographers might simply start clicking away, but it is the same as with all photography in that you only need to hold your camera steady and push the shoot button softly.Occasionally cameras might be small, and really feel light when your are holding them, but you must still hold them steadily any time taking photos. There is no point in having a one-time picture occasion simply to see later on that the image has been shaken. It will not be as vital for buildings or landscape pictures since you can capture them a couple of times and eliminate the ones you don’t want. I hope these couple of tips with regard to the basics of photography will help you when getting started with a digital camera, and hopefully you will have no difficulty for taking excellent photos from day one. </p>]]></content:encoded> <wfw:commentRss>https://ahqanmj.info/the-basics-of-digital-photography-exposed/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>A 3 Step Guide to Evaluating Car Insurance Quotes</title> <link>https://ahqanmj.info/a-3-step-guide-to-evaluating-car-insurance-quotes/</link> <comments>https://ahqanmj.info/a-3-step-guide-to-evaluating-car-insurance-quotes/#comments</comments> <pubDate>Wed, 05 Apr 2023 21:31:10 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Insurance]]></category> <category><![CDATA[auto insurance]]></category> <category><![CDATA[car insurance]]></category> <category><![CDATA[car insurance quotes]]></category> <category><![CDATA[cheap car insurance]]></category> <category><![CDATA[delta dental insurance]]></category> <category><![CDATA[dental insurance]]></category> <category><![CDATA[farmer insurance]]></category> <category><![CDATA[health insurance]]></category> <category><![CDATA[home insurance]]></category> <category><![CDATA[homeowners insurance]]></category> <category><![CDATA[insurance]]></category> <category><![CDATA[insurance companies]]></category> <category><![CDATA[life insurance]]></category> <category><![CDATA[medi care]]></category> <category><![CDATA[metlife dental]]></category> <category><![CDATA[quotes]]></category> <category><![CDATA[renters insurance]]></category> <category><![CDATA[travel insurance]]></category> <guid isPermaLink="false">http://ahqanmj.info/?p=67</guid> <description><![CDATA[When it comes to evaluating car insurance quotes, there are several things that you must take into your careful consideration. Do not believe everything that an insurance company wants you to. Quotes for auto insurance policies are often much more complicated than they are advertised or what you assume them to be. So, it is [...]]]></description> <content:encoded><![CDATA[<p> When it comes to evaluating car insurance quotes, there are several things that you must take into your careful consideration. Do not believe everything that an insurance company wants you to. Quotes for auto insurance policies are often much more complicated than they are advertised or what you assume them to be. So, it is important for you to have a careful approach toward the same. Quotes are often prepared in a way to give it an attractive and lucrative look for the customers. Always remember, sometimes things are not the way they are actually told. You may find a quote cheaper than the one offered by another company in the first look, but after three months, you may get to realize that it is actually costing you more money as compared to the one that you rejected. So, do not forget to evaluate car insurance quotes thoroughly before accepting or rejecting them. Following is a brief rundown on how to go about it.Pay Special Attention To DeductiblesWhile you are evaluating quotes, the first thing that you have to do is double check the deductibles. Make sure that you are comparing apple to apple and not apple to oranges. Such comparison is possible only if all quotes have the same amount of deductibles. So, be very careful. Look at the pros and cons of higher and smaller deductibles. A deductible of $1000 can possibly save you fifty dollars every year, but it does not make any sense because it will take you more than 20 years to cover it, that too, only if you end up getting a large claim. The best strategy is to keep the deductibles to a moderate amount – neither too big nor too small.Gaps In CoverageYou must also look into the gaps in coverage while you are evaluating car insurance quotes. No matter what the basic insurance requirements in your state are, it is always wise to consider only those quotes that offer injury protection, strong comprehensive and liability coverage, motorist coverage, rental, and towing. Some people try to save small bucks by not opting for the additional coverage. It is very important for you to keep in mind that such savings are temporary. These short-term savings can lead you to a situation where you may have to suffer long-term losses.LoopholesLast, but not the least, you must also look out for the loopholes in coverage while you are comparing different car insurance quotes. Make sure you read the terms and conditions thoroughly. If you are having some difficulty in understanding a specific provision or if a term used in the quote is too technical for you to understand, do not hesitate to ask for a clarification in writing. For example, you may like to ask them what exactly they mean by an insured damage. The quote must clearly explain which types of damages are considered as insured damages.Overall, if you follow this three-step guide and look into all the aspects thoroughly, you should not have any difficulty in evaluating the different car insurance quotes. </p>]]></content:encoded> <wfw:commentRss>https://ahqanmj.info/a-3-step-guide-to-evaluating-car-insurance-quotes/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Opportunities for Africa to Deepen Financial Inclusion and Development</title> <link>https://ahqanmj.info/opportunities-for-africa-to-deepen-financial-inclusion-and-development/</link> <comments>https://ahqanmj.info/opportunities-for-africa-to-deepen-financial-inclusion-and-development/#comments</comments> <pubDate>Wed, 05 Apr 2023 00:06:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Education]]></category> <category><![CDATA[Astronomy]]></category> <category><![CDATA[Biology]]></category> <category><![CDATA[College University]]></category> <category><![CDATA[Future Concepts]]></category> <category><![CDATA[Home Schooling]]></category> <category><![CDATA[Languages]]></category> <category><![CDATA[Nature]]></category> <category><![CDATA[Online Education]]></category> <category><![CDATA[Psychology]]></category> <category><![CDATA[Reference and Education]]></category> <category><![CDATA[Schools]]></category> <category><![CDATA[teaching]]></category> <guid isPermaLink="false">http://ahqanmj.info/?p=62</guid> <description><![CDATA[When people can participate in the financial systems, they are better able to start and expand businesses, invest in their children’s education, and absorb financial shocks.Sub-Saharan Africa has a population with most lives being at the economic downstream, and most likely underdeveloped. The financial inclusion gender gap and income gap persisting just like in other [...]]]></description> <content:encoded><![CDATA[<p> When people can participate in the financial systems, they are better able to start and expand businesses, invest in their children’s education, and absorb financial shocks.Sub-Saharan Africa has a population with most lives being at the economic downstream, and most likely underdeveloped. The financial inclusion gender gap and income gap persisting just like in other continents, though higher in Sub-Saharan Africa. World Population estimates based on the latest estimates released on June 21, 2017, by the United Nations, shows Africa continues as the second largest continent with a population of 1,256,268,025 (16% of the population of the world) and by the end of January 2018, 40.2% living in urban areas.The continent has the highest fertility rate of 4.7% (Oceania 2.4%, Asia 2.2%, Latin American and Caribbean 2.1%, Northern America 1.9% and Europe 1.6%) compared to the other continents with a yearly population rate change (increase) of 2.55% – the highest among all continents. Most of its people (59.8%) have lived downstream (rural areas and villages) sometimes out of the mainstream economy. Policy targeting could be difficult in such scenarios, and identifying people who lack access to financial and economic inclusion comes with a huge financial cost in itself, though the benefit in doing so outweighs the cost in mere numbers and requires commitment from leaders and managers of the respective economies. Coupled with a universal phenomenon of non-perfect, untrusted, and in some cases non-existing data on the continent, that could make decision making imperfect and data unreliable, affecting plans, policies and the potencies to resolve stated challenges or improving the economic and social fibre of countries.The struggles of the financially excluded come from barriers and reasons as access, social and cultural factors, income, education and many possible lists of others. Financial exclusion arguably is one of the reasons some economic policies lack potency to effectively target well on the citizenry with its results in persistent poverty and inequality. Lack of access to basic needs like an account either at the bank or mobile money could mean significant possibilities of opportunities untapped. Globally countries have realized the importance of achieving inclusive societies and supports efforts at maximizing financial inclusion. Sub- Saharan Africa has made some strides over the years in financial and economic inclusion in this regard at individual country levels.Efforts ongoing in Ghana include a commitment to promoting and prioritizing financial inclusion. The country made specific and concrete commitments to further advance financial inclusion under the “Maya Declaration“ since 2012 and has an ambitious target of achieving 75% Universal financial inclusiveness of its adult population by 2020. Ghana currently has 58% of its adult population having access to financial services and is also finalizing its National Financial Inclusion Strategy which will become the guiding document and reference for inclusive actions, stakeholder roles and responsibilities spelt out for all.Kenya, however, has earned global recognition in leading the all others in the world in mobile money account penetration, and with twelve other sub-Saharan African Countries following, researchers show. The rate at which African countries are projecting innovation technology for digital financial inclusion is impressive. The country has made giant strides in its financial inclusion commitments, especially under the Maya Declaration.There has been some paradigm shift in Information and Communication Technology and its importance which is being considered as a factor of economic growth. ICT has the ability to provide services with minimal cost, improve innovation, and provide infrastructure for convenient and easy to use services, it can also provide a route to access many auxiliary financial services.At the macro level, digital innovation influence economic development and economic policy effectiveness.The benefits ICT enabled financial services include the possible creation of employment- mobile money vendors, increases in revenue receipts of government, helps firms productivity (both private and public), aid in cost control and efficiencies, and Could contribute to rural development and governance: Governance and revenue mobilization efforts, especially at local government levels, can be enhanced through ICT which aids in overall improvement in corporate governance. Importantly, Innovation Technology can help in the deepening of financial inclusion either through access, usage, reducing risk and improving quality of services, thus, per formula for Financial Inclusion (FI), thus, FI = (Unlocking Access + Unlocking Usage + Quality) – Risk.Access to financial services can generate economic activities-Sophisticated use of financial services even presents bigger economic and social possibilities for the included. In Mexico, a research by Bruhn and Love revealed that, there were huge impacts in the economy in Mexico, that is, 7% increase in all income levels (in the local community) when Banco Azteca had rapid openings of branches in over a thousand Grupo Elektra retail stores when compared to other communities that branches were not opened. Also the savings proportion by those households in the local community reduced by 6.6%, a situation attributed to the fact that households were able to rely less on savings as a buffer against income fluctuation when formal credit became available.Here, it must be noted that through savings is encouraged, the reduction in savings by 6.6% means more funds can rather be channeled for investments into economically viable entities or services. As the cycle continues, and in sophisticated use of financial services along the financial services value chain, they will need to save however for other investments later. Similar or even more positive correlation is observed if the medium of access and usage is through innovative technology.Using Digital Financial Inclusion Strategies in Humanitarian ServicesDespite the use and usefulness of financial services in crises situations, financial exclusion is particularly acute among crisis-affected countries. 75% of adults living in countries with humanitarian crises remains outside of the formal financial system and struggle to respond to shocks and emergencies, build up productive assets, and invest in health, education, and business.Researchers continue to show the growth in acceptance of electronic payments especially through the use of mobile phones. There is growing evidence supporting digital financial inclusion. GSMA in its reports revealed that there were 93 countries between the periods of 2006-2016 of with 271 mobile money operating service providers which had registered over 400 million accounts globally. They give some evidence in some countries – which have been receiving humanitarian assistance- where there is growing acceptance of digital financial inclusion through use of a phone.In Rwanda significant numbers of refugees used phones for mobile money services whiles some do so commercially for service fees. In Uganda, Refugee communities are noted for use of mobile money service as per the report. This has necessitated MNO Orange Uganda, a telecommunication firm to expand mobile money service to refugee communities by building a communication tower to improve access and usage of the services. In Pakistan, one of the largest refugee communities- third largest- has the government using mobile money for cash transfers to refugees. The evidence abounds and this calls for humanitarian agencies to rethink and reconsider digital inclusive financial services beyond the current numbers. In Lebanon (The largest refugee community) those on humanitarian assistance uses ATM issued by aid organizations to access their cash transfers.Sarah Bailey, however, observed that humanitarian areas that were receiving cash transfers through mobile money could increase the use of certain services but does not automatically lead to widespread or sustained uptake. People may prefer to continue using informal financial systems that are more familiar, accessible and profitable. Her study revealed that that, the provision of humanitarian e-transfers, even when combined with training, was not sufficient to enable the vast majority of participants to conduct mobile money transactions independently.The findings are certainly acceptable in the short run per our knowledge. However, on a long-term basis and with financial capability activities – not just training- the results could possibly be different. Financial capability activities deal with not just training and education, but the overall financial health and well-being of the people. And this should be done in a hierarchy- bits-by-bits- and not at a one leap jump approach. This seems to have been echoed by the United Nations. According to Ban Ki-moon as cited in advised that we must return our focus to the people at the centre of these crises, moving beyond short-term, supply-driven response efforts towards demand-driven outcomes that reduce need and vulnerability. Financial inclusion strategies may not lead to widespread uptake within a few days, but evidence abounds that in a long-term, it could.The thirteen countries in the world with the most mobile money penetration today had some being on humanitarian support just a few years back-. Sustained access and use of innovative technology for inclusion then would have a better impact on them the more today.Undertaking a case study on the use of digital means for humanitarian transfer will show that in the short term run there may be lack of interest or even rejection. Coupled with regulatory barriers and other barriers mentioned, people during a humanitarian crisis may not really be thinking much of connecting to the economic system on the whole or how their support comes (This is the business of policymakers on humanitarian service) but rather be much interested in survival within a short run. The psychology of that period of need is centred on – What is needed is the urgency of support – money – physical cash in most cases to enable them to get the basics of security and food with the most liquid instrument. Humanitarian communities have needs just as all other communities within the financial services need a framework.Indeed evidence suggests there have been few instances only worldwide where the use of digital transfers in humanitarian transfers has led to widespread use of services. Digital transfers in humanitarian services must be a process and done within the particular context of time. In this sense, the digital strategies must be humanitarian, and must embed in the social and behavioural change financial capability activities capable of two-way communications with practices on usage and the benefits it brings in the long term- It must be in a hierarchy. Simple financial needs should be met before sophisticated needs. Any deviation will of course results in lack of interest in the services.Howard Thomas observed that “Financial technology still leaves out swathes of people, and this means missed opportunities for development,” And in some cases, community structures may not be innovative or agile enough to allow new technologies to spread, he adds. “Savvy entrepreneurs are not necessarily from established authorities. Sometimes it’s a matter of identifying individual leaders, networks or pathways through which to promote new technologies.”Indeed there have been some lessons however on how to manage humanitarian remittance, the parameters, however, are that financial inclusion is a continuous and sustaining effort of providing access and usage of financial services in a sustaining and responsible manner which meets the needs within a reduced risk – it is not just one time project of implementation policies at speed but rather concentrate on meeting the basic before sophisticated needs. Within a humanitarian certain, a complex multiplicity of issues may serve as barriers to using digital financial services including location and urgent needs; however those barriers when managed within a considerable period and coupled with financial capability activities (the act of complete financial well-being), then favourable results would be achieved.The use of behavioural change financial capability education, training and practice into humanitarian communication on digital transfers would help in improvement in the uphill acceptance over a period of time. sub-Saharan African countries have been realizing some tremendous gains in the use of innovative technology, and expansion of ICT services and infrastructure on the continent. Its study time past points out those countries on the continent totally made revenues amounting to 5% of Gross Domestic Product (GDP) from telecommunication related services as compared to European countries where revenues from the telecommunication services represented 2.9% of their total GDP.Sub-Africans Countries need repositioning and further investment in the “digital economy” in order to open up and benefit fully inclusiveness of their economy. Here our interest is in mobile technology and innovation which is the critical avenue that Africa could use mostly in achieving financial inclusion within the short to long term.Kenya is making giant strides and leading the way in digital innovation for mobile financial services globally. Researchers have shown that sub-Sahara Africa countries are leading the technological innovation drive in the usage of mobile financial services.Kenya and other Sub-Saharan African nations are making the greatest strides in mobile money accounts penetration and with lots of opportunities foreseen. Globally the thirteen countries that mobile account penetration has been over 10 %, all 13 are from Africa -Botswana, Cote d’ivoire, Ghana, Mali, Kenya, Somalia, Rwanda, Namibia, Tanzania, South Africa, Uganda, Zambia and Zimbabwe (ranging from 10%-58% for the 13 countries).Kenya is leading at 58% mobile money account penetration, with Somalia, Tanzania and Uganda “following closely” reporting around 35%. Namibia out of 13 countries has the least of mobile money penetration of about 10% (still higher than all others in the world except the other 12 African countries). Mobile money account is recorded to be widespread in East Africa (20% and 10% of adults have mobile money accounts and mobile money account only respectively) than any other region.Firms providing financial services, be it services or infrastructure is the most important and unique set of stakeholders who should be encouraged to take the lead roles in financial inclusion activities and implementations. Financial services firms are uniquely positioned, to use their existing infrastructure and leverage to creating access, and usage of digital financial services.They do so effectively and at a lesser cost as compared to government agencies because they can do so through their already existing departments as the marketing and customer service departments. Financial services firms are driving innovation for digital finance across the globe. Firms as GCAP have been investing in solutions to accelerate financial inclusion. It announced that in its call for proposals on innovative digital technology with huge potential to advancing the financial inclusion drive in sub-Saharan Africa, out of the over 200 applicants and proposals submitted, Financial Technology (Fintech) firms submitted (56%), Financial Services Providers (18%), Non-Governmental Organizations (NGOs) (13%) and Technology Services Providers (9%).Growing evidence from other similar calls suggests that there is a trend, that the journey of using innovative technology and financial inclusion in the sub-Saharan African is not only picking up but even shows a rather promising outlook for the future, the opportunities for countries in the region are enormous for nations in advancing financial inclusion.The call now is for countries at their policy levels to position themselves, armed with policies and willingness of governments to support and collaborate with the private sector to drive financial inclusion activities. However, to further enhance financial and economic for much better gain is a continues process and does not take just a few days but undoubtedly without collaborations between public-private role and decision establishment and support, it will take us rather too long. Collaboration is therefore important for financial inclusion drives and actions.For governments or the public sector, their support in creating the needed supportive framework and regulations for the industry is important. Regulations and environment that supports innovation and drives whiles customer rights are supported are so much needed in this sector. In providing support and helping in creating an environment for financial inclusion activities to make the required impacting effects, government policies must have some balance of care. By doing so, any policy by a government on financial inclusion that does not take views from other important stakeholders may be implemented at last, but not without difficulties and in some case unreasonable delay in implementation.This can be attributed to a variety of reasons: more importantly, policies may be concluded, but if Financial services providers are not ready or not able to implement those policies, then, problems of “distressed“ policies then begin to show. In financial inclusion drives, success depends mostly on collaborations for improvement between the public-private sectors.The Opportunities for sub-Saharan African Economies<br />The opportunities exist for groups of people who need access and usage of financial services yet unable because of the barriers they confront mostly. Sub-Saharan African governments and private stakeholders can improve on the regulatory constraints and allow for the tap in technology innovation respectively to design solutions that will open access and usage of financial servicesAn important Segment of organized groups usually out of the formal financial economy thus, the “Savings Groups” always have their common values and beliefs most often deeply rooted with cultural and social entrenchment that must be considered when targeting with financial inclusion products and designs.The groups usually common in Asia, sub-Saharan Africa and Latin American come together for social and economic benefits and supports. They have different specific objectives but commonly among reasons are for group savings, group insurance, good trading and all kinds of group support systems. At best design of product and services for “savings groups” if the top is successfully accepted can only be through a consultative process, sometimes customized or tailor-made services (most appropriate where possible) and winning the genuine interest of the groups.There are over 14 million members of “Savings Groups” across 75 countries in sub-Saharan Africa, Asia and Latin America, representing a promising platform for financial inclusion in under-served markets. Savings Groups offer an entry point for financial service providers to isolated communities; they are organized, experience and disciplined; they aggregate demand across many low-income clients, and they have identified needs that financial service providers can address. Also, these groups are very goal oriented and purposeful but lack certain financial services- Some basic needs like accounts and payments and others sophisticated needs like saving platforms. Tailoring products to meet these segments who lack access to some financial services and are in need of those financial services would create opportunities for financial inclusiveness.Prioritization of digital payments is one way of minimizing corruption within expenditures, be it the private or public sector. Digitizing payments means better tracking of records of payments throughout the value chain of spending and transfers. In the Agriculture economy, it means that when the government pays 1 million dollars ($1.000.000.00) directly through “mobile money` to its citizenry for goods and services, then its most likely that, subject to cost of the transaction, farmers will receive their funds intact and same. The vulnerable citizen would then have value for money in dealing with the government whiles having to benefit from the opportunities that having an account and using it comes with. Such is not the case when physical cash changes hands in payments.The adoption level of digital financial inclusion with mobile money is generally high for sub-Saharan African. Stakeholders in the Public in the region can leverage its strong foundation and application of mobile money services to scale up the use of digital payments, but courses they must be the backing infrastructure to expand access as well. Increase in account ownership as a foremost financial inclusion indicator has primarily been through financial institutions except those recorded in Africa where mobile money accounts drove the growth in accounts ownership from 24% to 34% in 2011 and 2014 respectively.An area Africa is making giant strides – Mobile money account penetration. Accounts ownership and its definition have changed over just three years when Global Findex Database launched its first data for comparable indicators among countries on financial inclusion. In 2014 it considered mobile money accounts as recognized accounts in their right, hitherto in 2011 that wasn’t the case. The opposite was rather the accepted case, and rightly so. Today the digital disruptions in the financial, telecommunication and economic arena are having is impacts.For policymakers and private sector stakeholders, more keenly important is the fact that 5 of the thirteen sub-Saharan African countries (The only five in the world) – Somalia, Uganda, Côte d’Ivoire, Tanzania and Zimbabwe have an adult population with more mobile account than they have from a formal traditional financial institution. What this means is that, in those five countries, an ordinary man on the street is more likely to have, use, trust and save in a mobile money account or wallet than saving with a traditional formal bank account. This comes with enormous opportunities and breakthroughs. Digital payments are comfortable, fast and less expensive than physical cash payments platforms.Tailoring products to meet these segments who lack access to some financial services and are in need of those financial services would create opportunities for financial inclusiveness. Prioritization of digital payments is one way of minimizing corruption within expenditures, be it the private or public sector. Digitizing payments means better tracking of records of payments throughout the value chain of spending and transfers. In the Agriculture economy, it means that when the government pays 1 million dollars ($1.000.000.00) directly through “mobile money` to its citizenry for goods and services, then its most likely that, subject to cost of the transaction, farmers will receive their funds intact and same. The vulnerable citizen would then have value for money in dealing with the government whiles having to benefit from the opportunities that having an account and using it comes with. Such is not the case when physical cash changes hands in paymentsThe adoption level of digital financial inclusion with mobile money is generally high for sub-Saharan African. Stakeholders in the Public in the region can leverage its strong foundation and application of mobile money services to scale up the use of digital payments, but courses they must be the backing infrastructure to expand access as well. Increase in account ownership as a foremost financial inclusion indicator has primarily been through financial institutions except those recorded in Africa where mobile money accounts drove the growth in accounts ownership from 24% to 34% in 2011 and 2014 respectively.An area Africa is making giant strides – Mobile money account penetration. Accounts ownership and its definition have changed over just three years when Global Findex Database launched its first data for comparable indicators among countries on financial inclusion. In 2014 it considered mobile money accounts as recognized accounts in their right, hitherto in 2011 that wasn’t the case. The opposite was rather the accepted case, and rightly so.Today the digital disruptions in the financial, telecommunication and economic arena are having is impacts. For policymakers and private sector stakeholders, more keenly important is the fact that 5 of the thirteen sub-Saharan African countries (The only five in the world) – Somalia, Uganda, Côte d’Ivoire, Tanzania and Zimbabwe have an adult population with more mobile account than they have from a formal traditional financial institution. What this means is that, in those five countries, an ordinary man on the street is more likely to have, use, trust and save in a mobile money account or wallet than saving with a traditional formal bank account. This comes with enormous opportunities and breakthroughs. Digital payments are comfortable, fast and less expensive than physical cash paymentsRecommendations<br />1) Regional and sub-regional bodies in sub-Saharan Africa should take up the financial inclusion drive as a priority and ensure peer-to-peer commitments of its members based on individual country socio-economic dynamics.<br />2) Each sub-Saharan African country should develop a National Financial Inclusion Strategy in a highly consultative manner at their country levels to guide their efforts.<br />3) Sub-Saharan African governments should continuously support ongoing literature and research work on Financial and Economic inclusion to provide reliable data will guide the policymakers developmental aspirations and economic policies. Therefore countries should set up Financial Inclusion Research Fund as part of their National Financial Inclusion Strategy to support continues research on financial inclusion issues for their jurisdiction.<br />4) Sub-Saharan African Countries should commit a percentage (at least 1%) of their annual GDP as the budget for Innovative technology for the support of the digital economy stimulus for sectors like financial service and other industries to perform.<br />5) Efforts should be made at country and regional levels to make the use of financial services delivered electronically cheaper – best practice is Wechat and AliPay payment solutions in China. Wechat specifically has no cost build up for use of its platform for payment of goods and services, therefore promoting the use of mobile phones and users can transfer cash and make purchases digitally for goods costing as low as half a dollar. It is practically possible to pay for an item bought at an amount which is less than a dollar with no additional fee except the cost of item only. These are some of the readily felt benefits of Innovation Technology within the banking space.<br />6) African government set up support investment funds and partner firms which can design innovative technologies in the area. </p>]]></content:encoded> <wfw:commentRss>https://ahqanmj.info/opportunities-for-africa-to-deepen-financial-inclusion-and-development/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Invest Online</title> <link>https://ahqanmj.info/how-to-invest-online/</link> <comments>https://ahqanmj.info/how-to-invest-online/#comments</comments> <pubDate>Tue, 04 Apr 2023 14:41:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[yahoofinance]]></category> <guid isPermaLink="false">http://ahqanmj.info/?p=60</guid> <description><![CDATA[Does the adage “if you don’t know where you are going then any road will take you there” sound familiar? You may have heard about online stock trading and various other financial jargons. Where do I go from here? How much do I need to start? You need answers to your questions.You will need to [...]]]></description> <content:encoded><![CDATA[<p> Does the adage “if you don’t know where you are going then any road will take you there” sound familiar? You may have heard about online stock trading and various other financial jargons. Where do I go from here? How much do I need to start?<br />You need answers to your questions.You will need to sign up with a reputable online brokerage website such as E*TRADE, Datek and Ameritrade just to name a few. You may check out the directory of more than 100 online brokerages at investorama .com. Before you sign up, determine how much money you can actually invest. Only invest money that you can afford to lose since there is risk involved in online stock trading. The amount of time that you can actually put into your investing should also be considered you also want to set goals; for instance, how much growth you want to achieve over a certain period of time.Note: Every investor’s needs, goals and circumstances are different.Upon signing up there is usually instructions on how to use the software. If you have difficulty buying and selling stocks or need support you can take advantage of internet help from these websites. You may prefer to do you research before dong an online stock trading. The following (dot-com) sites; dailystocks, yahoofinance, and thestreet will give you information any thing you need to research.Are you aware that the stock market is at an all high time high? In fact, if you cannot make money in this market you will never really make money in any subsequent market.If you are already investing online you may want to consider swing trading stocks to increase you portfolio’s overall performance. In addition, you invest in mutual funds, index funds and whatever investment vehicles are available in online stock trading.If you are a beginning investor mistakes are inevitable so don’t beat up yourself over your mistakes but learn from them and move on while applying what you have learned. Professional advices also recommended to all investors.Millions of people are making money investing online, you can too! </p>]]></content:encoded> <wfw:commentRss>https://ahqanmj.info/how-to-invest-online/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Mortgage Professionals In Texas</title> <link>https://ahqanmj.info/mortgage-professionals-in-texas/</link> <comments>https://ahqanmj.info/mortgage-professionals-in-texas/#comments</comments> <pubDate>Tue, 04 Apr 2023 10:45:21 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[yahoofinance]]></category> <guid isPermaLink="false">http://ahqanmj.info/?p=58</guid> <description><![CDATA[When comparing rates it is important to be confident that the provider is searching for the best deal and not only a commission check. It is imperative to compare multiple mortgage brokers on the same day as rates can change 2 to 3 times a day and often do. Mortgage brokers receive wholesale rates. This [...]]]></description> <content:encoded><![CDATA[<p> When comparing rates it is important to be confident that the provider is searching for the best deal and not only a commission check. It is imperative to compare multiple mortgage brokers on the same day as rates can change 2 to 3 times a day and often do. Mortgage brokers receive wholesale rates. This means that when a consumer goes to a club store and buys in bulk it is cheaper to than buying each item individually. The same concept applies to mortgage brokers.Mortgage brokers have the ability to go to several banks and credit unions and figure out which bank is offering the best deal for the day. There are a variety of banks including, Countrywide, Flagstar, Taylor Bean and Whitaker, SunTrust, Chase, San Antonio Federal Credit Union and so on. To get an idea of what kind of rate to expect try visiting yahoofinance. Look at the 15-year and the 30-year rates.Mortgage brokers receive a rate, called par. Par means that the mortgage broker does not pay any money to the bank to get this rate and that the mortgage broker does not make any money from the bank. Any rate given that is higher than the par rate, earns the broker a commission, which is called yield spread premium. Any rate that is below the par rate, the mortgage broker must pay to do the loan. Usually you can count on the mortgage broker being able to beat the individual banks by at least .25 of a point.Here is a list of questions to ask your mortgage broker/loan officer:1) How do you receive payment?If they explain yield spread premium, then they are being honest. If not find someone that is willing to be honest with you. Hint – Only mortgage brokers have to disclose to you exactly what they make on a deal. Banks, credit unions and mortgage bankers do not have to disclose the yield spread.2) Do you have any testimonials?Do you have phone numbers of satisfied clients that would be willing to speak with me? It is important that you really do your homework in this area. Remember we are dealing with the biggest financial decision in your life and even a quarter of a point different in your interest rate can cost you thousands of dollars.3) Do you offer any kind of guarantee?See if they put their money where their mouth is.4) Do you have a license?Mortgage brokers and loan officers that work for mortgage brokers are required to hold a license. People that are mortgage bankers, or work for banks, credit unions do not require a license.5) How do you obtain your clients?Find out what percentage of clients are from repeat or referral business. This will give you a good idea of whom you are dealing with.Here is a money saving hint: NEVER pay an application fee.Getting answers to these questions from multiple professionals will help ensure that consumers are confident and knowledgeable before starting the loan process. </p>]]></content:encoded> <wfw:commentRss>https://ahqanmj.info/mortgage-professionals-in-texas/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Gold and Silver Buying Mistakes</title> <link>https://ahqanmj.info/gold-and-silver-buying-mistakes/</link> <comments>https://ahqanmj.info/gold-and-silver-buying-mistakes/#comments</comments> <pubDate>Tue, 04 Apr 2023 08:18:37 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[yahoofinance]]></category> <guid isPermaLink="false">http://ahqanmj.info/?p=55</guid> <description><![CDATA[Detailed below are the most common pitfalls that precious metals investors often encounter.Common Mistake #1 – Unrealistic ExpectationsOne of the biggest pitfalls faced by precious metal investors of all experience levels is impatience and the temptation to chase the price with the hopes of “hitting it big”. Many new investors believe that the metals prices [...]]]></description> <content:encoded><![CDATA[<p> Detailed below are the most common pitfalls that precious metals investors often encounter.Common Mistake #1 – Unrealistic ExpectationsOne of the biggest pitfalls faced by precious metal investors of all experience levels is impatience and the temptation to chase the price with the hopes of “hitting it big”. Many new investors believe that the metals prices can only go up and that investing success is a given in the short term.The key to success is the full understanding that investing in gold or silver is a long-term proposition. You can only measure your success over many YEARS, not weeks or even months. If you are looking to “get rich quick” we would recommend you not venture in to precious metals with this expectation.Take the time to assess the following:What are your investment goals?Why are you considering gold and silver?Will the factors that are moving you to consider precious metals change in the near future?Most likely you are considering precious metals due to a myriad of global economic conditions – most of which will not change quickly, if at all. This only reinforces a long-term position and mentality when it comes to investing in metals. If you get in the game, do so for the long haul.Keep in mind the flip side as well. Investors will often jump from investment vehicle to vehicle if their investment strategy doesn’t yield immediate results. We have see many of our clients sell off their metals to go and invest in the “next big thing”, have it fail and then find themselves buying metals back at significantly higher prices.Common Mistake #2 – Chasing the PriceSome people will spend years chasing after the next big thing, often believing that this strategy is “the one.” When that particular strategy doesn’t yield the results they were looking for, the common response by investors is to blame the strategy and to quickly adopt another. They don’t realize that the problem most often lies within themselves and not with a given strategy or tactic.Again, step back…Give the strategy some time. We can’t stress enough that precious metals investments should be long-term holdings. Success in this game is not something that can be accurately measured in weeks or months. This is a long-term commitment. Budget your time, energy and capital wisely.Common Mistake #3 – ETF’s and Physical Metals are the SameMany investors, especially those new to precious metals, make the critical error of thinking that owning an Exchange Traded Fund (ETF) that invests in gold, such as GLD, is the same as owning the physical gold itself. It is critical to understand the key differences between owning shares of an ETF and owning physical gold or silver.For thousands of years, physical gold and silver have been highly desirable and recognizable commodities that are easily bought, sold and exchanged for goods on local and world markets. You can take physical gold from New York to Zimbabwe and everyone will immediately recognize the inherent value in the metal itself. In essence, you can use physical gold or silver in lieu of, or for exchange of cash all over the world.As the owner of a gold ETF, you ultimately only own a piece of paper, a promissory note, showing how many shares of the fund you own; however you do not own any actual physical gold. The ETF owns the gold and you own a promise from the fund managers to pay back the value of the shares you have purchased in the ETF. The ETF certificate that you own is something that is not universally traded on the world markets, nor is it widely recognized or easily exchangeable for currency. You would have a very difficult time trying to trade paper certificates for goods or services the same way you would physical gold.Let’s take a closer look at one of the most popular gold investments, GLD. The primary disadvantage of paper gold is lack-of-ease in converting to physical gold. While investors may own a claim on physical gold, in many cases they will find that actually getting their hands on the metal is much more difficult than they had expected.Investors may not realize that when they invest in GLD, they do not own physical gold. Yes, in theory GLD is a physical gold-backed ETF, and one share of GLD is supposed to be equivalent to 1/10th ounce of gold. But the actual story is much more complicated, with major restrictions on redemption.First, to qualify to redeem GLD shares for physical gold, special permission is required from the trustee of GLD. This permission is typically reserved for brokers and major institutional players. Second, shares can only be redeemed in batches of 100,000, which equates to roughly $13 million at today’s prices. Third, according to GLD’s prospectus, the fund retains the right to settle gold requests in cash rather than in the physical metal. So even if you owned 100,000 shares and had permission to redeem them, you still might not receive your physical bullion.Another nuance to investing in GLD has to do with how its price moves in relation to the spot price of gold on the futures market. While the initial price of GLD was set to represent the price of 1/10th ounce of gold, this relationship has not been maintained, because GLD is subject to its own market forces, as well as reduction in value through management fees. Without getting into too much detail, the price of GLD is highly correlated with the spot price movements of gold, but does not follow those movements exactly. For example, a large purchase or sale of shares in GLD can drive the price up or down, without the spot price of gold changing.Finally, if you read the language of an ETF prospectus carefully, you will see that your investment in the ETF could possibly drop to $0 in value. This highlights two critical factors to consider about ETFs: 1) you are trusting someone else to establish the value of the gold possessed by the ETF, and 2) you are trusting that the fund managers actually have enough physical gold to cover your investment and all of the other shares invested as well.These two concerns are negated when you consider physically possessing gold. First, the value of your investment is determined by the market, not by a fund manager or by the popularity of the shares of a given ETF. Second, since you physically possess the gold, you know exactly what it is worth at any moment in time and are not dependent on another person or entity to tell you what you have.The chance of physical gold becoming worthless is virtually impossible, given that gold and silver have always had, and should always have value. While the value of gold may fluctuate depending on a given currency or during any given day, there will always be some value associated with these precious metals due to the fact that precious metals are rare elements, cannot be “manufactured” and have a myriad of industrial uses.Common Mistake #4 – Falling for Confiscation Scare TacticsCountless investors have been presented with the “Confiscation Myth” and unknowingly found themselves being upsold into unnecessary, expensive numismatic coins. Many unscrupulous precious metals firms will bait investors in to buying numismatic coins that have a margin that is 28 to 70% higher than standard bullion coins and bars.The most frequently used technique to promote high-priced coins is to raise the issue of confiscation. Many telemarketers tell investors that old U.S. gold coins are not “subject to confiscation,” leaving the impression that modern gold bullion coins are. Consequently, many investors buy old, rare, and antique gold coins at prices significantly higher than the value of their gold content. The idea of buying “non-confiscatable” gold sounds like a powerful argument but when scrutinized fails to stand the test of truth.Many precious metals firms maintain that old U.S. gold coins, proof sets, and commemorative gold coins are “collectibles” and would not be subject to another gold recall. Some firms say that premiums of at least 15% automatically make coins collectibles. Another notion holds that coins one hundred years or older are antiques and therefore not subject to confiscation.The bottom line is that NO federal law or Treasury department regulation supports these contentions. ONLY if you are a collector or speculator should you buy numismatic coins.Common Mistake #5 – Minimal ResearchWhen faced with something new, it’s easy to simply take the advice of a few friends or scan a couple of websites before you make the jump. In the precious metals market, superficial research is just looking at general information such as spot prices and trying to “pick a price point” or choosing the most popular forms to buy. There is significant information to be learned about buying gold and silver, and that requires sifting through the misinformation as well.There are sound forums and blogs to review such as zerohedge.com, seekingalpha.com, cointalk.com and goldismoney.com. They are great places to read other investors’ opinions, strategies and the experiences they’ve had with specific dealers. Ask specific questions on the forums and mine the resources and experience of seasoned investors.You can also turn to Facebook and LinkedIn for various investor groups and interest groups. Please keep in mind that many of these groups are formed by dealers or individuals that have a hidden sales agenda. Consider their profile and background before considering any aspect of investment advice that is offered.There are a number of industry respected company blogs that are hosted by dealers and wholesalers that are another solid source of information for a new or experienced investor. Many of the industry blogs provide new product information, Mint news and up to date market information.The mainstream media will often provide timely, yet sometimes biased news. Use your discernment when reviewing precious metals news from The Wall Street Journal, TheStreet.com, YahooFinance or Reuters. Verify any news you read with multiple reliable sources.In the end after your initial research, find a dealer that is willing to spend time answering any and all of your questions without trying to sell you something.Common Mistake #6 – Going “All In”Many first-time precious metal investors make the mistake of investing all or a significant portion of their savings in precious metals. That is a mistake! You should never invest all or a significant portion of your assets in any single investment vehicle. To determine how much you should invest, you must first determine how much you can actually afford to invest and what your financial goals are.When you determine how much to invest in precious metals you should begin by following some long-standing investment principles. If you have significant debt, you should work first to pay down your debt and secure three to six months of living expenses in savings. If these principles are accomplished then take a look to see how much additional savings you have on hand for investing.Follow this with a plan to add to your investments over time. You should plan to use a specified portion of your income to build your precious metal portfolio over time. This method is called “dollar-cost-averaging” and it is useful whether buying stocks, bonds, mutual funds, precious metals or any investment. Speak with a qualified financial advisor to set up a budget and determine how much of your future income you should invest.For many types of investments, a minimum initial investment amount may be required. Different precious metals dealers require different minimum purchases. Your local dealer may let you buy just one or two ounces of silver, while some online dealers require upwards of $5,000 to purchase from them. We, for example, do not have a minimum purchase requirement.Finally, never borrow money to invest, never buy precious metals on leverage and don’t use money set aside for other needs.Common Mistake #7 – ObsessionDid you know that a Google search for the word “gold” produces over 700,000,000 results? “Silver” brings back about 480,000,000 results. That is some serious information overload and way too much for any one person to try to keep up with.Many newcomers to precious metals investing may find that they become overwhelmed with information, especially when gold fever hits or when the price reaches a new all-time high. There is so much to learn and so many things happening all at once all over the world, it’s easy to catch the fever and want to keep constant vigil over the market. This gives new investors a misguided sense of control, thinking that as long as they are keeping an eye on the market, they’ll be on top of things. Right? In reality, the opposite is happening.The Sun is always shining somewhere on the Earth, and there is a market somewhere that is almost always open – this is especially apparent with today’s Internet connected markets and global economies. Markets constantly change based on events all around the world – there’s just no way for any one person to keep up with the precious metals market 24/7.The solution?Relax. Don’t become obsessed with the ever-changing world of precious metals – give your mind a break from it all. When our brains are strained, we tend to make high-risk decisions with a lack of concern for the consequences. It’ll still be there when you return. If you have done your homework, work with a reputable company to place your orders and have a solid long-term strategy in place, you will hardly miss a beat.One way to ensure you are using a great strategy is to pre-plan your moves – be less reactive and more proactive. This gives a real sense of control and allows you to calculate your strategy and wait for the best timing. The markets move as they will, so instead of reacting to everything, which requires you to watch the Hong Kong Market to guess what will happen in London, you can pre-plan your moves.ConclusionInvesting in precious metals is serious business but it can be very rewarding. This type of endeavor requires both attention and respect. Master it and a world of financial opportunity is open to you. Fall victim to it and there are few things more frustrating. Hopefully, from this short report you have gained a better awareness of the rapidly changing and in-depth nature of precious metals and how to maximize your opportunity to succeed.The pitfalls we have illustrated here are just some of the more common mistakes that new investors experience. You can avoid the headache of these blunders by keeping in mind some of the crucial information we have revealed in this report. Above all, remember that success will be measured in years, not weeks. Avoid the mindset of getting rich quick – keep your goals and expectations long term.Also, remember that there is no substitute for knowledge and practice. Educate yourself. Find a system that makes sense to you. Don’t go along with something simply because you were told it works. Rather, determine what resonates with your own body of knowledge and experience, then stick with your strategy.Finally, find a mentor – someone who is willing to impart the knowledge that made them successful. A solid understanding of precious metals investing is truly invaluable, offering you the opportunity for secure investments, financial strength and independence. </p>]]></content:encoded> <wfw:commentRss>https://ahqanmj.info/gold-and-silver-buying-mistakes/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Home Improvement Hardware – Get the Best Hardware For Every Part of Your Home</title> <link>https://ahqanmj.info/home-improvement-hardware-get-the-best-hardware-for-every-part-of-your-home/</link> <comments>https://ahqanmj.info/home-improvement-hardware-get-the-best-hardware-for-every-part-of-your-home/#comments</comments> <pubDate>Sat, 28 Jan 2023 04:22:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ahqanmj.info/?p=53</guid> <description><![CDATA[While some plan for home improvement to add value to their house, others simply pursue a more luxurious and comforting lifestyle. Home improvement projects may need different levels of investment depending upon their scales. For instance, you don’t need too much capital and expertise to change a certain aspect of your interior design, however, adding [...]]]></description> <content:encoded><![CDATA[<p>While some plan for home improvement to add value to their house, others simply pursue a more luxurious and comforting lifestyle. Home improvement projects may need different levels of investment depending upon their scales. For instance, you don’t need too much capital and expertise to change a certain aspect of your interior design, however, adding new rooms and dramatically redesigning existing parts of the house require more resources. You need to be aware of different functions of home improvement hardware to be able to pull off a good home improvement plan. Here are some basics about different hardware:</p><p>Get Hardware for Your Bathrooms:</p><p>Bathroom hardware is a specialized type of hardware that is used in construction of bathrooms. Bathroom hardware that will be required during a remodeling project may include showers, tubs, faucets, towel holders, mirrors, cabinets and similar fixtures. If you plan to sell your home for a great price, bathroom home improvements may just be the key to your achieving this goal. Not only will a bathroom remodeling plan increase value of your home, but it will also add luxury and comfort in your family’s life.</p><p>Door Hardware is Always Part of a Good Plan:</p><p>Door Hardware is mainly used to give a more attractive look to your home’s doors. Many home owners, while paying attention to rooms, often fail to recognize the importance of doors and windows. Door hardware that can help boost up your plan includes door knockers, hinges, hooks, handles, locks, fasteners and number plates.</p><p>Furniture, Windows and Cabinet Hardware – Get Beauty and Utility:</p><p>Furniture and cabinets are components of DIY that enhance the functionality of a house. If you are planning to improve your home’s functionalities without compromising on style, you have to get the best furniture hardware. Furniture hardware that is commonly used in home improvement plans is frames, furniture legs and arms.</p><p>Similarly cabinets in any room can be a great improvement as they increase your home’s capacity to store things. Home improvement cabinet hardware includes latches, fasteners, locks, handles, pulls and cabinet frames. Cabinets do not have to be built strictly on functional lines as they can also give a great touch to your interior décor. Just like cabinet hardware, window hardware also includes hinges, latches, locks, frames, handles and other equipment needed for window installation.</p><p>Security Hardware – Essential for Your Family’s Safety:</p><p>In today’s world home security has become a major issue for home owners. If you don’t have plans of enhancing your home security in your improvement plans, then you should start thinking on these lines. Security hardware includes, fire alarm, smoke detectors, motion detecting sensors, window security system and security alarm system.</p><p>Plumbing Hardware – Be Careful While Buying!</p><p>Plumbing hardware is very essential for your home as it facilitates the water supply system and sanitation system in your home. Plumbing hardware mainly includes pipes and tubes through which water will be flowing in and out of your home, so you have to be extra careful that the hardware you purchase is able to withstand corrosion and other adverse effects of varying temperatures.</p><p>Curtain Hardware – Plastic And Metal Are Two Great Options!</p><p>Curtain hardware is mainly available in plastic and metal, so it’s totally up to you to decide which option is better for your home. Curtain hardware relates to hanging of curtains and includes hooks, rings and finials.</p>]]></content:encoded> <wfw:commentRss>https://ahqanmj.info/home-improvement-hardware-get-the-best-hardware-for-every-part-of-your-home/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:
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