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  22. <title>7 Steps to a Perfect Master Bedroom &#8211; Furniture, Planning and Design</title>
  23. <link>https://kjiyems.info/7-steps-to-a-perfect-master-bedroom-furniture-planning-and-design,html</link>
  24. <comments>https://kjiyems.info/7-steps-to-a-perfect-master-bedroom-furniture-planning-and-design,html#comments</comments>
  25. <pubDate>Sun, 16 Apr 2023 17:47:39 +0000</pubDate>
  26. <dc:creator>admin</dc:creator>
  27. <category><![CDATA[Uncategorized]]></category>
  28. <category><![CDATA[house designer]]></category>
  29.  
  30. <guid isPermaLink="false">http://kjiyems.info/?p=62</guid>
  31. <description><![CDATA[Your master bedroom is the one place that you can go after a long day and relax completely&#8230; right? If you&#8217;re shaking your head, you may be in need of a master bedroom makeover. The mood of the room and the bedroom furniture should be just right &#8211; the paint should soothe and lull you [...]]]></description>
  32. <content:encoded><![CDATA[<p> Your master bedroom is the one place that you can go after a long day and relax completely&#8230; right? If you&#8217;re shaking your head, you may be in need of a master bedroom makeover. The mood of the room and the bedroom furniture should be just right &#8211; the paint should soothe and lull you to sleep. The comforter should call your name and lure you into its embrace. If there&#8217;s no lulling, soothing or luring happening in your house, you can simply follow these steps and create a space you can&#8217;t wait to curl up in.1. Plan<br />
  33. Planning your bedroom is the first essential step to your sleepy oasis. When thinking about your bedroom you first need to collect ideas and brainstorm your favourite looks and the way you want your bedroom to feel. An easy way to do this is by looking through design magazines or online furniture outlets to gather decorating ideas and look at pictures of bedroom furniture that you are fond of.You will also need to measure your space to ensure no furniture returns or odd furniture placements.2. Purpose<br />
  34. Take a minute to decide on the purpose of your master bedroom. Will it be your cozy, curl-up space? A night-time getaway with a TV and sitting area? Will you put your sewing table in the corner for quick seam stitch-ups? Your bedroom can be as simple or as multi-purpose as you make it, but this should be decided before you start picking out bedroom furniture.3. Theme<br />
  35. The theme of your bedroom is extremely important. It helps tie all of the colours, furniture lines and lighting together, and will ultimately help you make logical decisions about all of your choices. Think about whether you want a casual, continental or country bedroom. What about a romantic, relaxing or Victorian theme? Choose a theme that best reflects your (and your partners) personality. Once you have done that, you can start thinking about which elements of the theme you would like to incorporate. (Bedrooms are best with simplified themes that utilize the most important elements as beautiful accents to your room, not as a main feature.)4. Colours<br />
  36. The colours that you choose for your master suite should be warm and inviting. Some people prefer neutrals while others will choose a bold colour &#8211; the choice is up to you. Just remember that your colours should reflect your theme and you can always bring in accenting colours through fabrics, decorative pillows and bedding.5. Bedroom Furniture<br />
  37. After you have measured and thought about theme, you can start browsing for your furniture. There are several things to consider while you are shopping.<br />
  38. Decide if you want matching pieces or an eclectic mix.<br />
  39. Make sure the night stands have enough storage space.<br />
  40. Choose furniture that fits into your theme. For example, a &#8220;Romantic&#8221; theme might call for a beautiful, modern canopy bed with rot iron detailing, while a relaxing oasis may call for a soothing, fabric covered headboard.<br />
  41. Don&#8217;t overcrowd your room.<br />
  42. Choose the furniture that fits your needs; make sure you have enough space for all of your bedroom accoutrements.6. Lighting<br />
  43. When decorating their bedroom, many people often forget the very important detail of lighting. Lighting a room properly can completely change the way your furniture and skin tone look, the warmth or the room and the subtlety of accent colours. Make sure your room has enough lighting to suit your needs &#8211; choose bedside table lamps if you like to read, or a standing lamp if you have a sitting area. The main light fixture will be a focal point, so choose wisely and make sure it fits with the overall flow of the room. Another consideration could be whether or not you also need a ceiling fan for warmer climates.7. Accents<br />
  44. This is where you tie it all together and complete your look. The accents in a room often make or break the look and should be chosen with care. First, make a list of everything you need. Some purchases to think about are:<br />
  45. Curtains and blinds<br />
  46. Bedding &#8211; duvets, comforters, throw blankets, pillowcases, etc.<br />
  47. Decorative pillows<br />
  48. Wall hangings and picture frames<br />
  49. An area rug for chilly wood floors<br />
  50. Mirrors &#8211; a stand-up mirror for a full-length view is optimal if you have the space.<br />
  51. Shopping for your accents is where you can truly bring the elements and theme of your room together.With some planning, shopping and your own personal touch, your bedroom can become the room of your dreams. </p>
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  55. </item>
  56. <item>
  57. <title>3 Surefire Ways to Know If You&#8217;re Ready to Hire an Online Business Manager</title>
  58. <link>https://kjiyems.info/3-surefire-ways-to-know-if-youre-ready-to-hire-an-online-business-manager,html</link>
  59. <comments>https://kjiyems.info/3-surefire-ways-to-know-if-youre-ready-to-hire-an-online-business-manager,html#comments</comments>
  60. <pubDate>Thu, 16 Mar 2023 07:30:56 +0000</pubDate>
  61. <dc:creator>admin</dc:creator>
  62. <category><![CDATA[Uncategorized]]></category>
  63. <category><![CDATA[psdrvms.info]]></category>
  64.  
  65. <guid isPermaLink="false">http://kjiyems.info/?p=59</guid>
  66. <description><![CDATA[Are you a woman entrepreneur who&#8217;s frustrated in your 6-7 figure business?Are you feeling overwhelmed, over-stressed, and not sure where to turn?Are you so busy doing everything in your business that you never have time to focus on those high level tasks that will truly bring direct growth to your business?Your business may be ready [...]]]></description>
  67. <content:encoded><![CDATA[<p> Are you a woman entrepreneur who&#8217;s frustrated in your 6-7 figure business?Are you feeling overwhelmed, over-stressed, and not sure where to turn?Are you so busy doing everything in your business that you never have time to focus on those high level tasks that will truly bring direct growth to your business?Your business may be ready to hire an Online Business Manager (OBM).When your business has grown to multiple 6-7-figures, it will require that you begin to step into a CEO and Visionary role to lead your business to higher levels of growth. The business now has a life of its own and if you stay in the doing role too long, you will lose control of your vision.If you&#8217;re like most women business owners, you started your business for some or all of the following reasons:</p>
  68. <p>You wanted control over your time and the money you make</p>
  69. <p>You wanted your work to have an impact in the world</p>
  70. <p>Sick of the 9-5 grind</p>
  71. <p>Have a business you can schedule around your family and personal goals</p>
  72. <p>Commit to something bigger than yourself</p>
  73. <p>Create financial and time freedom</p>
  74. <p>If you have a multiple 6-7-figure business, it may be time to step out of the tasks of day-to-day operations and management. You&#8217;re the only one who can lead your company to the next levels. You alone know how to move your business forward. Time and focus are now in high demand for you to lead your company to the next level.The result of not stepping up will be that the business will begin to stagnate &#8211; you&#8217;ll hit the ceiling in ability to grow any further. You&#8217;ll need to stop trying to do and manage everything on your own because it&#8217;s simply not sustainable. You need help in business. At this phase in your business, you have a team that executes tasks.Now the role you&#8217;ll want to hire will be an Online Business Manager, an Integrator, who can take your dreams and goals and make them a reality. You need someone who can effectively step in and manage your team, manage your day-to-day operations and marketing management, manage projects, and analyze and report metrics to determine what&#8217;s working &#8211; and what&#8217;s not.If you can&#8217;t get out from behind the manager&#8217;s desk, frustration will overwhelm you&#8230; if it hasn&#8217;t already. You&#8217;ll struggle with &#8220;hitting the ceiling&#8221; and &#8220;feeling stuck&#8221; &#8211; if you aren&#8217;t already. Your life and relationships will suffer because you&#8217;re working a crazy number of hours every day just to keep things going. You cannot keep up this pace, and eventually something will give. You&#8217;ll burn out. I&#8217;ve seen it countless times.While reading all this article, you may be wondering if it&#8217;s time for you to hire an Online Business Manager.Here are three ways to know you&#8217;re ready.Financial ReadinessHiring an Online Business Manager is a long-term investment. An OBM does not replace a team of people who are responsible for executing tasks &#8211; you can hire any number of virtual assistants for task completion. An Online Business Manager runs your business while you step into the CEO and leadership role.Psychological ReadinessYou&#8217;re ready to turn loose a certain amount of control in your business to someone you trust. You know you need help in business, and you don&#8217;t want to be the only one in charge anymore. You understand it may be uncomfortable to turn over some control to someone else, but you&#8217;re willing to do it because deep down, you know it&#8217;s time. And you&#8217;re ready to let go of what you don&#8217;t truly enjoy to return to using your unique gifts to grow the business.Lifestyle ReadinessYou&#8217;re ready to have balance and get your life back. You&#8217;re ready to feel a renewed sense of passion for what you do, and you&#8217;re looking forward to having the time to create and strategize. As you let loose of the manager&#8217;s role, you&#8217;ll feel refreshed and energetic, and you&#8217;ll step into focusing ONLY on what you can do to grow the business.If you can&#8217;t get out from behind the &#8220;manager&#8217;s desk&#8221; in your business it may be time to hire an Online Business Manager. Life&#8217;s too short to be frustrated and over-stressed in your business. </p>
  75. ]]></content:encoded>
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  78. </item>
  79. <item>
  80. <title>Warning For Las Vegas Wedding Entertainment</title>
  81. <link>https://kjiyems.info/warning-for-las-vegas-wedding-entertainment,html</link>
  82. <comments>https://kjiyems.info/warning-for-las-vegas-wedding-entertainment,html#comments</comments>
  83. <pubDate>Sun, 26 Feb 2023 15:08:23 +0000</pubDate>
  84. <dc:creator>admin</dc:creator>
  85. <category><![CDATA[Uncategorized]]></category>
  86.  
  87. <guid isPermaLink="false">http://kjiyems.info/?p=56</guid>
  88. <description><![CDATA[Las Vegas is a popular city to get married. Because of this, it is also a popular place for wedding scams. Be observing about who you contract to information with your wedding. Here are definite points about contracting your Las Vegas ceremony entertainment so that the scammers don&#8217;t leave you and your ceremony guests high [...]]]></description>
  89. <content:encoded><![CDATA[<p> Las Vegas is a popular city to get married. Because of this, it is also a popular place for wedding scams. Be observing about who you contract to information with your wedding. Here are definite points about contracting your Las Vegas ceremony entertainment so that the scammers don&#8217;t leave you and your ceremony guests high and dry.Choosing EntertainmentMusic can set the mood for your celebration and get people out of their seats and onto the dance floor. Ceremony entertainment is an important part of any ceremony reception. Good communication, written agreements, and a thorough interview and selection process will direction you avoid problems and advice you stay on track so that everything runs smoothly. Knowing how to choose your ceremony entertainment long before your wedding will input you to avoid the frustration of being dissatisfied with your entertainment.Deciding Entertainment EarlyYou should start searching for your wedding entertainment very early in the ceremony planning process. This will give you time to audition performing groups or interview disc jockeys and make sure that their musical selections and style of delivery meet your own requirements. There are many entertainers who can do a great job, but it&#8217;s important to hire someone that will play the music you enjoy because it&#8217;s your wedding. There are many entertainers who can do a great job, but it&#8217;s important to hire someone that will play the music you enjoy because it&#8217;s your wedding.InterviewsYou should plan on meeting with any ceremony entertainment professionals you are considering for your ceremony ceremony or reception. This will allow you to get a good idea of the kind of entertainment that will be provided. It will also give you an opportunity to find out the terms of each potential entertainer&#8217;s contract, what kind of pricing will be involved, and what you need to do to book your entertainment. It will also give you an opportunity to find out the terms of each potential entertainer&#8217;s contract, what kind of pricing will be involved, and what you need to do to book your entertainment.RecommendationsIt&#8217;s a lot easier to narrow your inquire down if you have referrals from people you trust. Instead of blindly searching through the phone book for wedding entertainment, ask your friends and relatives for any recommendations they may have. This can help you to avoid entertainers who don&#8217;t deliver what they promised or who will not give you a good experience. This can advice you to avoid entertainers who don&#8217;t deliver what they promised or who will not give you a good experience.General MusicThe bridal party may walk down the aisle to a processional, followed by the bride walking down the aisle to the wedding march, with everyone exiting the ceremony to the sounds of a recessional. Music may also be played prior to the beginning of the wedding ceremony while guests are being seated. These are a few of the most popular musical selections for each stage of a ceremony ceremony. Don&#8217;t choose tried and true selections if you don&#8217;t truly enjoy them or if they won&#8217;t add to the atmosphere at your ceremony. Music is used to create dissimilar moods and atmospheres. </p>
  90. ]]></content:encoded>
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  92. <slash:comments>0</slash:comments>
  93. </item>
  94. <item>
  95. <title>Get Started With Smart Investing</title>
  96. <link>https://kjiyems.info/get-started-with-smart-investing,html</link>
  97. <comments>https://kjiyems.info/get-started-with-smart-investing,html#comments</comments>
  98. <pubDate>Fri, 03 Feb 2023 17:53:49 +0000</pubDate>
  99. <dc:creator>admin</dc:creator>
  100. <category><![CDATA[Uncategorized]]></category>
  101.  
  102. <guid isPermaLink="false">http://kjiyems.info/?p=54</guid>
  103. <description><![CDATA[Investing at its most basic level is very simple. The idea is to make money work for the investor, rather than the investor working for the money. This may sound like a simple concept, but it is an important one because of the limitations that everyone faces. Without investing, most people can only earn money [...]]]></description>
  104. <content:encoded><![CDATA[<p> Investing at its most basic level is very simple. The idea is to make money work for the investor, rather than the investor working for the money. This may sound like a simple concept, but it is an important one because of the limitations that everyone faces. Without investing, most people can only earn money by working. If they want more money, they have to work more hours or find a higher-paying job. At some point, they are going to hit a wall, and their income will level off simply because they cannot work 24 hours a day. That is where investing comes in.Investing allows an individual to continue earning money 24 hours a day, seven days a week and 365 days a year. It does not matter whether they are working at their day job, mowing their lawn or simply doing nothing. In other words, investing maximizes an individual&#8217;s earning potential.Common misconceptions about investing<br />
  105. There are many misconceptions about investing, and unfortunately, they often discourage people from investing their money. Instead, they simply place it in a savings account and earn a pitiful return or worse yet; they stick their savings under a mattress. One common misconception is that investing is gambling. Nothing could be farther from the truth, but many people see it this way because some investors &#8220;gamble&#8221; by investing their money recklessly without doing proper due diligence. A true investor always performs a thorough analysis and only risks their capital when there is a reasonable expectation of earning a profit.Reasons to invest<br />
  106. There are many different reasons to invest, but they all boil down to one thing: making more money. This is not about greed; at least, it is not for most people. Investing is becoming a necessity because without a healthy investment portfolio, many individuals will not be able to maintain their current lifestyle once they retire. Why? Because the days of working the same job for 30 years and retiring on a fat pension are coming to an end, and the burden of planning for retirement is shifting away from the state and onto the individual. This is happening because governments around the world are tightening their belts, leaving the future of many pension programs up in the air. This makes the outlook grim for those who do not prepare. Investing allows individuals to take control of their own future and ensure financial stability in their retirement years.When investing<br />
  107. Good investing starts with skepticism and common sense. Get-rich-quick schemes are not real investing but gambling. The buyer beware principle applies the same way to investing as it does when making other purchases. If something sounds too good to be true, it probably is. Leave the risky ventures to those who have the money to lose. Smaller investors should stick with established and reputable investments.Some good diversified investments<br />
  108. Apart from avoiding dangerous investments, prudent investing centers on diversity. There are several good ways to do this:Mutual funds are perhaps the best-known investment vehicle. Basically, they work by pooling money from different investors under active management. Those in charge of the fund will then invest it in whatever types of investments the fund is set up for. This can range from the very high to low risk. They are popular in part because the ease in which investments can be made once an account is open and the thought of having one&#8217;s money under constant management.Exchange traded funds (ETFs) are somewhat like a mutual fund in that they are a pool of money from different investors. However, they have some important differences. While mutual funds are under constant management and will try to beat the market, ETFs are designed simply to follow a market or index (through a basket of investments that will generally track it very closely). This could be anything from the S&#038;P 500 to commodity markets. The main advantage of ETFs is that they require little active management and thus have lower fees than mutual funds. In addition, they can be bought and sold easily just like a stock, and give the investor greater control over when capital gains taxes taken. The drawback is that investor cannot hope to do better than the markets, although they will not do worse than them either.Real estate investment trusts (REITs) are for those who would like to be invested in property but not all the responsibilities that come with managing it. These funds also pool money but in this case invest it in property. While it is generally commercial property, there are REITs for all kinds of property. By law, they must pay out most of their gains annually.All of these instruments offer small investors great ways to diversify. However, they still need to be chosen very carefully since some are much better than others. In addition, follow the principle of not putting all one&#8217;s eggs in one basket. For example, if investing in mutual funds, choose funds that include different investment categories such a large and small capital stocks.Over time, prudence and patience with investments can turn them into a steady income that will give one a more secure future. For most people, this is the best way to really increase their net worth for those who have the patience. </p>
  109. ]]></content:encoded>
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  112. </item>
  113. <item>
  114. <title>11 Travel Gadgets For 2014</title>
  115. <link>https://kjiyems.info/11-travel-gadgets-for-2014,html</link>
  116. <comments>https://kjiyems.info/11-travel-gadgets-for-2014,html#comments</comments>
  117. <pubDate>Fri, 03 Feb 2023 14:05:34 +0000</pubDate>
  118. <dc:creator>admin</dc:creator>
  119. <category><![CDATA[Uncategorized]]></category>
  120.  
  121. <guid isPermaLink="false">http://kjiyems.info/?p=52</guid>
  122. <description><![CDATA[When travel planning in 2014 it is essential to choose the best gadgets technology has to offer to take along with you. The best travel tip for choosing travel gadgets is to go for the smallest, greenest and most functional gadgets you can.Below you will find a list of my recommended gears:1. CameraAlthough Smart phones [...]]]></description>
  123. <content:encoded><![CDATA[<p> When travel planning in 2014 it is essential to choose the best gadgets technology has to offer to take along with you. The best travel tip for choosing travel gadgets is to go for the smallest, greenest and most functional gadgets you can.Below you will find a list of my recommended gears:1. CameraAlthough Smart phones can take photos a good camera is important if you want to capture quality images on your travels. Try the Pentax K-30 camera which is water proof, shock proof and can take the heat and the cold.2. AdaptersWhen traveling to foreign countries you can encounter different electrical systems and currents. Take along the Universal AC Travel Adapter which can be used in 150 countries.3. Protection for your Smart phoneTake along the high-impact Pelican i1015 Protect and Play iPhone Case which will protect your iPhone, iTouch or iPod from just about everything except water. The case which has a polymer shell is heat resistance, chemical resistant and will protect your device if dropped. Pelican made protector is essential for travellers. The Lifeproof iPhone Case is another sturdy option which is waterproof and bullet proof!4. Solar RechargerIf you want to go green or will be travelling somewhere where there may not be electrical connections then a solar Mi Suny recharger at is perfect for recharging iPhones.5. Luggage TrackerThe Trakdot Luggage Tracker sells at $50 plus $13 for an annual subscription and when and if your luggage goes missing you just connect the GSM monitor to an app on your Smart phone and just like a GPS you&#8217;ll find your luggage.6. HeadphonesFor those long train or bus journeys when you want to disconnect from the surroundings and listen to some good music, take along a good pair of headphones. They may be more bulky than earphones but they cut out outside noise and will help you get some sleep in noisy airports, hostels or stations. If you&#8217;d rather have a more compact piece of technology then splurge on the Logitech UE 900s, noise canceling earbuds.7. Smart PhonePerhaps the most important technology device for travellers is a Smart phone which can hold apps to help you navigate, find places you&#8217;re looking for, calculate your spending, book transport and accommodation and even translate.8. Torch/lightThis low-tech technology gadget for travellers may seem obvious but it always comes in handy. A good, compact torch is essential when travel planning. It can be used simply to find things in the dark in a hostel dorm room, read on a dark train or make your way through Europe&#8217;s medieval streets at night.9. WiFiYou can&#8217;t always rely on hotels or cafes for your Internet connection. Take out a private subscription at PrivateWiFi.com and you&#8217;ll be able to log in to your own WiFi wherever you are using a private code. Prices start at $10 a month.10. Watch PhonesThe latest gadget and apparently the toy set to be the next-big-thing in technology is the Martian Voice Command Watch. Is it a phone? Is it a text message device? Is it a watch? No it&#8217;s all of the above! The Passport, G2G and Victory models have silicone straps and can be voice activated; they are Bluetooth-enabled and use both Apple&#8217;s iOS and Android platforms.11. LaptopA laptop is a must have travel gear. It is a means of staying in touch with family, friends and business partners, backing up travel photos or simply to while away time at Airport lounges. I use mine for almost everything, so I went for a relatively powerful laptop but for normal use a light laptop or tablet could do.Choosing the right gear to travel with doesn&#8217;t have to be a daunting task. Making a few smart choices and limiting yourself to what you truly need will give you all of the benefits that technology can bring while avoiding most of the downsides. </p>
  124. ]]></content:encoded>
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  126. <slash:comments>0</slash:comments>
  127. </item>
  128. <item>
  129. <title>Best &#8211; Guess Predictions For Intermediate &#8211; Term Home Pricing: 5 Guesses!</title>
  130. <link>https://kjiyems.info/best-guess-predictions-for-intermediate-term-home-pricing-5-guesses,html</link>
  131. <comments>https://kjiyems.info/best-guess-predictions-for-intermediate-term-home-pricing-5-guesses,html#comments</comments>
  132. <pubDate>Sun, 06 Nov 2022 21:39:15 +0000</pubDate>
  133. <dc:creator>admin</dc:creator>
  134. <category><![CDATA[Uncategorized]]></category>
  135.  
  136. <guid isPermaLink="false">http://kjiyems.info/?p=50</guid>
  137. <description><![CDATA[After, over 15 years, as a Real Estate Licensed Salesperson, in the State of New Year, I have come, to believe, perhaps, the one, reality, of real estate, is, it is consistently, constantly changing, in a variety of ways! For a few years, we have been experiencing, near &#8211; historic, low, interest rates, as well [...]]]></description>
  138. <content:encoded><![CDATA[<p>After, over 15 years, as a Real Estate Licensed Salesperson, in the State of New Year, I have come, to believe, perhaps, the one, reality, of real estate, is, it is consistently, constantly changing, in a variety of ways! For a few years, we have been experiencing, near &#8211; historic, low, interest rates, as well as, unprecedented impacts on the world economy, created by several factors, but, perhaps, the single &#8211; biggest one, being, the ramifications, etc, created/ causes, as a result of this horrific pandemic! Although, no one, knows, for sure, what will occur, I feel it might be useful, to consider, and provide, my best &#8211; guess, in terms of home pricing, in the intermediate &#8211; term (This period is usually, considered, to be, from about, two &#8211; and &#8211; a &#8211; half years, to about 5 to 7 years). With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 of my guesses/ predictions.</p>
  139. <p>1. Interest rates/ mortgage rates: Basic economics, past trends, etc, should indicate, interest rates, will not remain, at their current, historic &#8211; lows, for any substantial period of time. It has already, existed, for longer, than normal! We are already, witnessing, inflationary ramifications, caused by economic policies, of the past, few years, as well as, artificially &#8211; low, prolonged period of this, interest rate, policy, etc! I would expect, sometime, in the next year, or so (unless some, unforeseen &#8211; stress occurs), for, these to riser, gradually, and, for, the current, record pace, of home price rises, to either, level, or, grow, at a far &#8211; slower pace, or, even, come, back &#8211; to &#8211; earth, somewhat! This change directly impacts mortgage rates, and, when these are lower, it makes, more expensive houses, more affordable!</p>
  140. <p>2. From sellers market to: Historically, the real estate market, is cyclical, and we are, currently, undergoing, a prolonged, sellers market, with buyers, out &#8211; numbering, inventory! It would make sense, to expect, the trend to change, from this approach, to, first, a more &#8211; balanced one, and, perhaps, even, at some stage, to a buyers market!</p>
  141. <p>3. Supply and Demand: Like most economic commodities, real estate is based, on the Laws of Supply and Demand! This means, the more demand, the higher, the prices, and when it dwindles, prices drop! Most expectations is to see, a gradual, return to the cyclical conditions, often, witnessed, and experienced, in the past!</p>
  142. <p>4. Impact of inflation: Traditionally, houses, have been considered, one of the best hedges, against inflation! However, with the steep, recent increases, which have far increased the rate of inflation, wouldn&#8217;t it make sense, for, these, to eventually, become, more level, etc? While, many anticipate, inflation, in the relatively &#8211; short &#8211; term, we will probably, return, to more predictable levels, in the intermediate &#8211; run!</p>
  143. <p>5. All real estate is local: One of the challenges, to making these predictions, is, real estate, is, often, local, in &#8211; nature, and, different regions, and, even, neighborhoods, out &#8211; perform, others!</p>
  144. <p>Although, I feel, these are most likely, to occur, remember, they are, merely, best &#8211; guesses, and no one has a Crystal Ball, etc! Proceed, cautiously, and aware, and align, your needs, priorities, perceptions, etc, with your personal comfort zone!</p>
  145. ]]></content:encoded>
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  147. <slash:comments>0</slash:comments>
  148. </item>
  149. <item>
  150. <title>Crypto Currency Vs Fiat Currency</title>
  151. <link>https://kjiyems.info/crypto-currency-vs-fiat-currency,html</link>
  152. <comments>https://kjiyems.info/crypto-currency-vs-fiat-currency,html#comments</comments>
  153. <pubDate>Mon, 12 Sep 2022 10:40:25 +0000</pubDate>
  154. <dc:creator>admin</dc:creator>
  155. <category><![CDATA[Uncategorized]]></category>
  156. <category><![CDATA[cash]]></category>
  157. <category><![CDATA[Crypto currency]]></category>
  158. <category><![CDATA[currency]]></category>
  159.  
  160. <guid isPermaLink="false">http://kjiyems.info/?p=48</guid>
  161. <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>
  162. <content:encoded><![CDATA[<p>Crypto currency vs. Fiat currency</p>
  163. <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>
  164. <p>In cashless society- crypto money play a huge role</p>
  165. <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>
  166. <p>Crypto currency and fiat currency are always at loggerheads</p>
  167. <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>
  168. <p>Differentiating in what the currencies stand for</p>
  169. <p>Before going for the difference between the two, you must understand what do they stand for and how are they are defined.</p>
  170. <p>The fiat currency is a legal tender that has the support of the central government, and it operates in the physical form. For instance, US dollars, British Pounds, Euro etc. On the other hand, the crypto currency is a non-legal tender, and doesn&#8217;t have any backup from the central government or bank.<br />
  171. Hence, the difference between crypto currency and fiat currency is noted as follows:</p>
  172. <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>
  173. <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>
  174. <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>
  175. <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>
  176. <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>
  177. <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>
  178. <p>The different types of crypto and fiat currencies</p>
  179. <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>
  180. <p>The differences in the anonymity between the two currencies</p>
  181. <p>When you are using the fiat currencies, you need to undergo a user identification or verification process. You are asked to upload a recent picture of yourself and some of the required documents to be issued as per the public authorities. You don&#8217;t need to undergo any of the required processes with the crypto currencies. Though your personal information and confidential details don&#8217;t get public, but all your transactions are recorded and tracked in both the fiat and the crypto currencies.</p>
  182. <p>Fiat currency vs crypto currency: transparency level</p>
  183. <p>• The transparency level with the crypto type currencies are considered to be more. This is because the revenue streams are displayed in a public chain. Everyone can witness their own and others&#8217; transactions.</p>
  184. <p>• The fiat or govt. currencies are not transparent, as there are not public chains to see the revenue streams of the people.</p>
  185. <p>A comparative historical roots</p>
  186. <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>
  187. <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>
  188. <p>A comparative history of the two currencies:</p>
  189. <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>
  190. <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>
  191. <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>
  192. <p>• It was in 1998, when the idea of an anonymous electronic cash system emerged by Wei Dai. Bitgold-the very first crypto currency was created by Nick Szabo, but it didn&#8217;t receive as much attention as Bitcoin.</p>
  193. <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>
  194. <p>The traits of both the currencies</p>
  195. <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>
  196. <p>Let us compare their traits with respect to certain factors.</p>
  197. <p>• Both the crypto coins and fiat type currencies are interchangeable in nature.</p>
  198. <p>• As per the portability is concerned both the currencies secure more or less the same position.</p>
  199. <p>• With respect to the non consumable criteria, crypto currency and fiat type currency have the equal status.</p>
  200. <p>• Crypto type currencies have high durability as compared to the fiat-currencies that have moderate level of durability.</p>
  201. <p>• Both the crypto or virtual currencies and the fiat or government currencies ensure secure and safeguarded transactions and exchange.</p>
  202. <p>• Crypto or digital currencies are highly divisible in nature. On the other hand, the fiat type currencies are moderately divisible.</p>
  203. <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>
  204. <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>
  205. <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>
  206. <p>• The crypto based currencies are based on mathematical algorithms, and are programmable. The fiat currencies are not at all programmable.</p>
  207. <p>• The fiat currencies are sovereign in nature, while the crypto currencies are not.</p>
  208. <p>The process of the functioning of the currencies</p>
  209. <p>You can find the significant differences between the crypto or digital currencies and the fiat currencies with the way they both operate and the transaction process that take place. They are contrasting in nature. The transfer of money using the Bitcoin is very quick, and you absolutely don&#8217;t need any third party association.</p>
  210. <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>
  211. <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>
  212. <p>Is Bitcoin, a crypto currency better than the fiat-currency?</p>
  213. <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>
  214. <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>
  215. <p>Why is Bitcoins considered to be a better aspect than the fiat type currencies?</p>
  216. <p>• Bitcoin gives you the opportunity to re-create a free market capitalism.</p>
  217. <p>• The power of controlling the money is absolutely with the individuals, and not with the banks like the fiat type currencies.</p>
  218. <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>
  219. <p>• The Bitcoin currency is easy easier to exchange and transfer as compared to the fiat or government currencies.</p>
  220. <p>• The transaction fees involved with the Bitcoin are way cheaper and easily affordable.</p>
  221. <p>Crypto currencies seem to be a favorable option among the people</p>
  222. <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>
  223. <p>Send money anywhere directly without waiting for the bank&#8217;s approval</p>
  224. <p>You can send money to anyone in the world directly, and it is super fast. The money gets cleared within a few minutes time. You don&#8217;t have to wait for the traditional clearing and verification processes of the banking systems, which might take up to several days to get a clearance. Since it is decentralized and doesn&#8217;t come under the law and regulations of the government, nobody has any power to do anything with your account.</p>
  225. <p>The blockchain technology has a very big role to play</p>
  226. <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>
  227. ]]></content:encoded>
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  229. <slash:comments>0</slash:comments>
  230. </item>
  231. <item>
  232. <title>Are You Choosing the Right Stock Market Advisory Company</title>
  233. <link>https://kjiyems.info/are-you-choosing-the-right-stock-market-advisory-company,html</link>
  234. <comments>https://kjiyems.info/are-you-choosing-the-right-stock-market-advisory-company,html#comments</comments>
  235. <pubDate>Mon, 12 Sep 2022 10:35:11 +0000</pubDate>
  236. <dc:creator>admin</dc:creator>
  237. <category><![CDATA[Uncategorized]]></category>
  238. <category><![CDATA[financial]]></category>
  239. <category><![CDATA[help you]]></category>
  240. <category><![CDATA[planners]]></category>
  241. <category><![CDATA[point]]></category>
  242.  
  243. <guid isPermaLink="false">http://kjiyems.info/?p=46</guid>
  244. <description><![CDATA[What do you do if you want to learn driving a car? You will try to find an expert teacher, isn&#8217;t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, [...]]]></description>
  245. <content:encoded><![CDATA[<p>What do you do if you want to learn driving a car? You will try to find an expert teacher, isn&#8217;t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, when it comes to investing in the stock market for the first time, you require a knowledgeable advice to attain your financial goals and get profitable returns.</p>
  246. <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>
  247. <p>How much assistance do you actually require?</p>
  248. <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>
  249. <p>Choose a top ranked advisory company</p>
  250. <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>
  251. <p>Asking for a sample financial plan initially makes sense</p>
  252. <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>
  253. <p>Conclusion</p>
  254. <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>
  255. <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>
  256. ]]></content:encoded>
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  258. <slash:comments>0</slash:comments>
  259. </item>
  260. <item>
  261. <title>Fear and Greed in the Market</title>
  262. <link>https://kjiyems.info/fear-and-greed-in-the-market,html</link>
  263. <comments>https://kjiyems.info/fear-and-greed-in-the-market,html#comments</comments>
  264. <pubDate>Mon, 12 Sep 2022 10:33:26 +0000</pubDate>
  265. <dc:creator>admin</dc:creator>
  266. <category><![CDATA[Uncategorized]]></category>
  267. <category><![CDATA[company]]></category>
  268. <category><![CDATA[indicators]]></category>
  269. <category><![CDATA[investors]]></category>
  270. <category><![CDATA[Market]]></category>
  271. <category><![CDATA[technical]]></category>
  272. <category><![CDATA[trading]]></category>
  273.  
  274. <guid isPermaLink="false">http://kjiyems.info/?p=44</guid>
  275. <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>
  276. <content:encoded><![CDATA[<p>Greed and Fear.</p>
  277. <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>
  278. <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>
  279. <p>It is well known that emotions create a certain amount of pleasure or displeasure. It is also known that emotions are networked with mood, frame of mind, desires and passions. The list goes on&#8230; So how do we as individuals develop a skill set to navigate these emotions in business in trading and in life?</p>
  280. <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>
  281. <p>A Lesson From One of the Greats!</p>
  282. <p>I would be doing my readers a disservice if we did not mention the strategy of Warren Buffett. One of the most successful investors of our time. Warren Buffet stuck to his strategy and profited greatly. Warren Buffett showed us just how important and beneficial it is to stick to a plan. When deciding whether or not to invest in a company himself, Buffett and his partners follow a few simple guidelines, one of which involves trying to determine the company&#8217;s longevity.</p>
  283. <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>
  284. <p>Just as greed dominated the recent Cryptocurrency boom or fear dominates the headlines on potential trade war outcomes, investors quickly move around from one &#8220;secure&#8221; investment to another. It becomes a constant game of cat and mouse.</p>
  285. <p>This flooding in of money to the stock market shows a complete disregard for many technical indicators that continue to scream a correction is inescapable. Retail Investors seem overjoyed with the flooding in of headlines that read ALL TIME HIGH. Should retail investors be overrun by fear of a major correction?. Granted, losing a large portion of your retirement portfolio&#8217;s worth is a tough pill to swallow, but even harder to digest is the possibility of missing out on the massive gains the market is currently offering investors of all experience levels.</p>
  286. <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>
  287. <p>I have also added a link of &#8220;Must Read&#8221; Books that have been advantageous in my journey of reigning in my emotions on decision-making. I will update this as I see fit..</p>
  288. <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>
  289. ]]></content:encoded>
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  291. <slash:comments>0</slash:comments>
  292. </item>
  293. <item>
  294. <title>5 Areas Where Interest Rates Matter!</title>
  295. <link>https://kjiyems.info/5-areas-where-interest-rates-matter,html</link>
  296. <comments>https://kjiyems.info/5-areas-where-interest-rates-matter,html#comments</comments>
  297. <pubDate>Mon, 12 Sep 2022 10:32:13 +0000</pubDate>
  298. <dc:creator>admin</dc:creator>
  299. <category><![CDATA[Uncategorized]]></category>
  300. <category><![CDATA[buyer]]></category>
  301. <category><![CDATA[government]]></category>
  302. <category><![CDATA[politics]]></category>
  303. <category><![CDATA[pricing]]></category>
  304.  
  305. <guid isPermaLink="false">http://kjiyems.info/?p=41</guid>
  306. <description><![CDATA[Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I [...]]]></description>
  307. <content:encoded><![CDATA[<p>Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I strongly believed, one benefits, by understanding, more about these, and how they affect, many things, in our lives! Whether, related to personal, organizational, and/ or, public finance/ spending, home ownership and related costs, credit &#8211; related issues, business matters, stock and bond pricing, etc, interest rates, truly, significantly, matter! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 of these areas, and how the cost &#8211; of &#8211; money, makes a significant difference.</p>
  308. <p>1. Bond prices and interest rates: The price of a bond, generally, is inversely &#8211; related to interest rates! When these rates go down, prices, rise, and when they go up, the inverse occurs! Bonds have, what is known, as, a par &#8211; value, which is the price, paid, at the end of the term. Markets usually set these at 100, which represents $1,000 per bond, at maturity. However, during the period, the pricing can rise or fall, which impacts, liquidity &#8211; related issues!</p>
  309. <p>2. Mortgage rates: For the last few years, we have been witnessing and experiencing, record &#8211; low, mortgage interest rates, which have helped the overall, real estate/ housing market, especially, in terms of, pricing increases! In most areas of this country, we are seeing, home prices, at their highest levels, ever, by a significant, dramatic amount! When this rate, is low, a home buyer is able to buy, more &#8211; house &#8211; for &#8211; his &#8211; bucks, because, his monthly payments, are so low! Consider, however, what might be the potential ramifications, and impacts, when these rates, will, inevitably, rise?</p>
  310. <p>3. Consumer credit: Low costs of borrowing, help the automobile industry, in terms of consumer financing, etc! Although, not as much as other vehicles, rates on credit card debt, are lower, and there are often, shorter &#8211; term, promotions, offering deals! However, since, most of these are variable, and based, on some index, etc, what happens, when there is an increase, in this?</p>
  311. <p>4. Business borrowing: Another area affected, is business cost of borrowing! Presently, they have had access, to relatively, cheap &#8211; money, which helps in reducing the costs of borrowing, overall operations, purchasing inventory, etc. But, what happens, when this, ticks &#8211; up?</p>
  312. <p>5. Impacts on stock market prices: For some time, because bonds have paid so little, in terms of dividends, etc, many have considered, the stock market, the only game, in &#8211; town! In addition, many corporations, have seemed, better &#8211; off, than they probably are, and we have witnessed, a higher, ratio of prices to profits, than in the past! How long will this last? How high can it go?</p>
  313. <p>Many factors impact these issues, especially: actual and/ or, perceived inflation; consumer confidence; politics/ government actions/ the Federal Reserve, etc. The more you know, and understand, hopefully, the better &#8211; prepared, you will be!</p>
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