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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>cinbwms.info</title> <atom:link href="http://cinbwms.info/feed" rel="self" type="application/rss+xml" /> <link>https://cinbwms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 00:41:26 +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>Home Improvement Mistakes to Avoid</title> <link>https://cinbwms.info/home-improvement-mistakes-to-avoid,html</link> <comments>https://cinbwms.info/home-improvement-mistakes-to-avoid,html#comments</comments> <pubDate>Fri, 07 Apr 2023 21:13:05 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Home Improvement]]></category> <guid isPermaLink="false">http://cinbwms.info/?p=62</guid> <description><![CDATA[Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken [...]]]></description> <content:encoded><![CDATA[<p> Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://cinbwms.info/home-improvement-mistakes-to-avoid,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Framed Art the Inexpensive Way</title> <link>https://cinbwms.info/framed-art-the-inexpensive-way,html</link> <comments>https://cinbwms.info/framed-art-the-inexpensive-way,html#comments</comments> <pubDate>Wed, 05 Apr 2023 08:43:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Animation]]></category> <category><![CDATA[Arts and Entertainment]]></category> <category><![CDATA[Body Piercings]]></category> <category><![CDATA[Casino Gambling]]></category> <category><![CDATA[FictionTattoos]]></category> <category><![CDATA[Film Editing]]></category> <category><![CDATA[Movies TV]]></category> <category><![CDATA[Music]]></category> <category><![CDATA[Music Industry]]></category> <category><![CDATA[Music Instruction]]></category> <category><![CDATA[Painting]]></category> <category><![CDATA[Performing Arts]]></category> <category><![CDATA[Photography]]></category> <category><![CDATA[Visual Graphic Arts]]></category> <guid isPermaLink="false">http://cinbwms.info/?p=60</guid> <description><![CDATA[Framed art needn’t cost the earth. In fact framed artworks can be very inexpensive way when you allow yourself to reconsider exactly what constitutes a frame and, indeed what determines art.First of all, one must reconsider the nature of art and its role in our daily lives. As an Art Director of Urban Fine Arts [...]]]></description> <content:encoded><![CDATA[<p> Framed art needn’t cost the earth. In fact framed artworks can be very inexpensive way when you allow yourself to reconsider exactly what constitutes a frame and, indeed what determines art.First of all, one must reconsider the nature of art and its role in our daily lives. As an Art Director of Urban Fine Arts which is a contemporary framed art company I hold what is perhaps nowadays a slightly out of vogue opinion on the nature of art for somebody in my position. That is, I do believe that art should be beautiful (even if it’s only a face that mother could love) and I do also believe that art should be in some way “framed” and we shall also reconsider here in a moment exactly what “framed” means.In-keeping with the popular trend, I don’t believe that art should necessarily demonstrate a significant degree of skill in the making and neither do I believe that art need be some high-brow, sacred thing nor that it even need be recognised as art – however, as I say, I do think that art should be beautiful. Its an opinion that has occasionally put me at odds with many of my peers, but its a belief that I would like to argue for in this article and maybe entice you to recognise the art that exists all around you (yes even within the room in which you sit right now) and encourage you to “frame” the artworks so as to appreciate their beauty and just maybe even stretch your notion of beauty that little bit further.It’s been said that “truth, like beauty, is very much in the eye of the beholder” and those of you familiar with this post modern paradigm will also appreciate that any definition of art can be equally subjective.As an undergraduate I was subjected to the, now standard, induction for all art students which sought to deconstruct the “popular myth” of art as our lecturers saw it. We were told that there existed no rigorous definition of art beyond merely describing it as “that which we understand as art” or “that which hangs in a gallery”. Every “popular myth” of art, we were told, had so many exceptions to it so as to prohibit its validity.Of course, there are many things which our society recognises as art that are neither beautiful nor could we argue that they involved a significant degree of skill on the part of the artist. On famous example is Marcel Duchamp’s installation of an upturned urinal entitled “Fountain” which is not something that many of us in layman’s-land would recognise as art were we not told that it is art and were we not to find it in an art gallery labelled as such. And yet, Duchamp’s Fountain is considered a seminal work of the early 20th Century.So, am I now trying to persuade you that your toilet is art and that your toilet seat is the frame? No, not because I don’t believe that your humble loo is framed art (that’s for you to decide), but because I don’t believe that intellectual persuasion towards a doctrine of art is ethical or fruitful.It appears to me futile to argue for a definition of art or seek to produce a litmus test for recognising it. However, I do think that there is some value at least in challenging people’s idea of what is art and encouraging people to frame the art all around you.Rather than bore you with an intense argument on this subject I will merely provide an example for you to consider.An art dealer friend of mine through whose hands have passed works of art worth six figures has upon his study wall, not a great work by a recognised master but a worthless looking paper invoice from his water cooler supplier firm. The invoice would be nothing above the ordinary to any casual viewer and its place upon his wall would at first seem bizarre. However, what is significant to him about this particular invoice is that the seemingly random system regenerated number of that particular invoice is the exact date of his daughter’s birthday. Add to this that the company happens to be called Gemini which is his daughter’s Christian name. The logo for the company is an image of a young girl holding a star in her outstretched hands. The invoice is attached to a pencil crayon drawing his daughter did at school based on a poem the teacher had read to them in class about God. The picture she has drawn is of a star in an outstretched hand with the words written underneath “He holds my world in His hands”.Nothing but a chain of happy coincidence you might say. And, of course, these details are only of significance to him. However, when, as in this case, the object holds huge significance for an individual it becomes as wealthy and significant as any great artwork in any gallery. And when that art is framed within the context of something else we cherish (in this case the child’s artwork) the work becomes art purely by the framing and yet the irony is that we only framed it because we first recognised it as art.Urban Fine Arts – Framed Art Gallery [http://www.urbanfinearts.com/framed-art.php] </p>]]></content:encoded> <wfw:commentRss>https://cinbwms.info/framed-art-the-inexpensive-way,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>California Health Insurance – Independent Health Life Agent Verses Insurance Company In House Agent</title> <link>https://cinbwms.info/california-health-insurance-independent-health-life-agent-verses-insurance-company-in-house-agent,html</link> <comments>https://cinbwms.info/california-health-insurance-independent-health-life-agent-verses-insurance-company-in-house-agent,html#comments</comments> <pubDate>Tue, 04 Apr 2023 22:28:28 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></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[Health and Fitness]]></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://cinbwms.info/?p=58</guid> <description><![CDATA[You have just completed an online form requesting a free health insurance quote and moments later you are being inundated with phone calls from insurance agents hoping to get your business. Try not to become overwhelmed or annoyed by these “pesky sales people” because they are really not telemarketers. Most of them are well-trained state [...]]]></description> <content:encoded><![CDATA[<p> You have just completed an online form requesting a free health insurance quote and moments later you are being inundated with phone calls from insurance agents hoping to get your business. Try not to become overwhelmed or annoyed by these “pesky sales people” because they are really not telemarketers. Most of them are well-trained state licensed professionals who can really help you make a good decision regarding which health plan is best and most affordable for your individual or group coverage needs.You may be under the misconception that if you buy your health plan directly from the insurance company, and cut out the “middle person”, you will save money. This is absolutely not the case. In fact, insurance companies rely on agents for most of their business and that’s why they pay them commissions for bringing in customers. It does not cost a consumer one penny more to use a licensed California health insurance agent to obtain their insurance coverage.There are many differences between California health insurance and other states including how it is applied for.For example, while Blue Cross and Blue Shield are one company in other states, here in California, each is separate and applied to individually as Anthem Blue Cross of California and Blue Shield of California.California health insurance law AB 1672 is an improvement over the federal HIPAA law that covers all states in that it includes the following with regard to California group coverage:1. Individuals with pre-existing medical conditions may change over to a new group health plan without an exclusionary period.2. It allows small businesses and professional organizations to have access to health plans providing they have between 2 and 50 full time employees.3. It keeps insurance rates from climbing after a claim is filed.4. Employees who have health problems may change jobs or health plans without being rated higher for having pre-existing conditions.That said, the very best health insurance agent for your individual and business needs is an “Independent Agent.” Why? Because they represent multiple insurance carriers, not just one. An independent agent can help you select the most appropriate cost-effective plan offering the most benefits for your dollar as available from the major carriers, rather than feeding you just one company’s line of health plans which may not suit your particular needs. Many people are too complacent and settle for what their current insurance company has to offer. They could use a good independent agent to sort through the many plans available from multiple insurance carriers to find and provide the best choice of options.Another misunderstanding you may have is that insurance agents set the premium rates for the health insurance plans they sell. Thinking if you shop around you may get a better price for the same plan. Premium rates are based on your age, zip code or county in which you reside and are controlled completely by the insurance companies. Every agent uses the exact same rate guides set by the insurance companies. The condition of your health may affect your premium, which may be rated up after the insurance company’s underwriting department has reviewed your medical records. Again, the insurance company, not the agent, determines that outcome.Now, let’s talk about the benefits of having a good insurance agent representing you. Most consumers neither know nor understand the benefits of a health plan being offered and need the expertise of an agent to explain the benefits to them in full. For example, do you know what the difference is between an “out-of-pocket maximum” and an “annual deductible?”An out of pocket maximum is the most you will have to pay in a given year for deductible and coinsurance for covered benefits before your insurance starts to pay 100% of most expenses until the year ends.An annual deductible is usually the amount you pay each year before your health plan starts paying anything for covered services. Generally, the higher the deductible, the lower the premium. Certain services such as prescription drugs carry separate deductibles. Plans may vary and sometimes benefits will kick in before you have to meet the deductible.A knowledgeable health insurance agent can be a guide through the maze and help you choose the right plan to meet your needs and budget while obtaining the most benefits for your dollars spent. An agent will also make clear how the benefits for a generic prescription may differ from the benefits for a brand prescription on a particular plan.After you have a health plan in place, a good, caring agent will remind you to pay your premium on time so the insurance company doesn’t cancel you. Your agent can also be an enormous resource for assistance if you run into a problem with a health insurance claim. Instead of waiting on hold at the insurance company’s 800 number for thirty to forty- five minutes, call your agent and explain your problem and if you have chosen the right agent, you will get help and may save yourself lots of time and frustration, maybe even some money by having an expert in your corner where your best interests come first.So next time you or someone you know, fills out one of those on-line forms for a health insurance quote and you get several phone calls from health insurance agents wanting your business, be grateful that a professional wants to help you for free to choose the right plan and you’ll have an important friend for life. </p>]]></content:encoded> <wfw:commentRss>https://cinbwms.info/california-health-insurance-independent-health-life-agent-verses-insurance-company-in-house-agent,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Solid Wood Desks</title> <link>https://cinbwms.info/solid-wood-desks,html</link> <comments>https://cinbwms.info/solid-wood-desks,html#comments</comments> <pubDate>Tue, 04 Apr 2023 19:03:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[wood desk]]></category> <guid isPermaLink="false">http://cinbwms.info/?p=55</guid> <description><![CDATA[While a desk made of Medium Density Fiberboard (MDF) may cost significantly less than solid wood desks, they are just no match for the authenticity and durability of solid wood. Real wood and its natural beauty make those desks the ideal type for heirloom furniture.In the office setting, the man who works behind a solid [...]]]></description> <content:encoded><![CDATA[<p> While a desk made of Medium Density Fiberboard (MDF) may cost significantly less than solid wood desks, they are just no match for the authenticity and durability of solid wood. Real wood and its natural beauty make those desks the ideal type for heirloom furniture.In the office setting, the man who works behind a solid wood desk is usually Boss. And why not? These are about the most expensive pieces of office furniture. While veneers and laminates on top of MDF’s may be cheaper and easier to maintain, solid wood desks are arguably the sturdiest and may in fact be cost effective in the end.There are different factors to consider in your choice for a solid wood desk. When it comes to aesthetics, you should match the natural color of the type of wood used to the color of surrounding furniture. You must also consider the natural properties of the type of wood you will be using: making sure, they do not hinder the intended function.Solid Oak, for example, is known to be very sturdy to hold up to the weight of office equipment, be it ornate and heavy desk lamps, or your computer and printers or a set of reference books. This type of wood will fit the needs of someone who uses his solid wood table as a writing desk and doubles it as a trusty workspace.Maple wood on the other hand is not as sturdy. What it lacks in durability it compensates in affordability and the ease of maintenance it requires. Its natural color is on the lighter side, so you may want to consider using this in a setting with a more relaxed feel rather than the dark and traditional theme usually associated with executive offices.Pine is a soft wood, and if a desk was made of pine, every ding and dent, and every pen-stroke across a paper on the desk will leave a permanent impression, and the desk, though more inexpensive, will lose its value quickly.However, if you are CEO then heck, go for the big gun. Cherry Wood. They are the most beautiful and expensive there is. Even if you only be place two gold pens, a leather writing pad, and a box of cigars, the beauty of cherry shouts that you are The Boss! </p>]]></content:encoded> <wfw:commentRss>https://cinbwms.info/solid-wood-desks,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Five Excellent Investment Characteristics</title> <link>https://cinbwms.info/five-excellent-investment-characteristics,html</link> <comments>https://cinbwms.info/five-excellent-investment-characteristics,html#comments</comments> <pubDate>Wed, 22 Mar 2023 15:35:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Investing]]></category> <guid isPermaLink="false">http://cinbwms.info/?p=53</guid> <description><![CDATA[We favor investments that are low cost, tax efficient, diversified, liquid, and simple. Many investors often run into trouble when they invest in things that do not have these five characteristics. Investments with these five characteristics have been profitable over time, but typically are not very exciting. There is generally not a “hot story that [...]]]></description> <content:encoded><![CDATA[<p> We favor investments that are low cost, tax efficient, diversified, liquid, and simple. Many investors often run into trouble when they invest in things that do not have these five characteristics. Investments with these five characteristics have been profitable over time, but typically are not very exciting. There is generally not a “hot story that you need to act on now!” associated with them. The financial services industry generally does not favor these type of investments because they generate very little profit from them. We are in the business of helping to maximize the wealth of our clients, not the financial services industry. Keep in mind that this list of investment characteristics is not comprehensive. Other factors to look for in investments might include attractive valuation, low correlation to your other holdings, a nice dividend yield or interest income, a tilt towards areas of the market that have produced higher returns such as value stocks, an appropriate risk level for you, etc.Low Cost. We typically invest in low cost index based funds and exchange traded funds (ETF’s). The funds we invest in have an average expense ratio of only.30% per year. The typical actively traded equity mutual fund has an average expense ratio of 1% or more. With investment funds, the best predictor of future relative performance is the expense ratio on the fund; the lower the better. Hedge funds typically have annual expense ratios of 2% plus 20% of any profits earned. Some variable annuities and permanent life insurance “investments” can have annual expenses of 2% or more. By keeping a close eye on the costs of our investments, we can save our clients significant amounts of money each year and help them achieve higher returns over time (all else being equal). With investment products, you don’t get better performance with a higher cost product, in fact you typically get worse performance.Tax Efficient. Our investments (index based funds and ETF’s) are extremely tax efficient and they allow the investor to have some control over the timing of the taxes. These types of funds have low turnover (trading activity), which is a common characteristic of tax efficient investments. We recommend avoiding mutual funds with high turnover due to their tax inefficiency. After the recent big increase in the U.S. stock market, many active equity mutual funds have “imbedded” capital gains of as much as 30%-45%. If you buy those mutual funds now you may end up paying capital gains taxes on those imbedded gains even if you didn’t own the fund during the increase. ETF’s typically do not generate long and short-term capital gain distributions at yearend, and they do not have imbedded capital gains like active mutual funds. Hedge funds are typically tax inefficient due to their very high turnover. In addition to investing in tax-efficient products we also do many other things to help keep our client taxes minimized such as tax loss harvesting, keeping our turnover/trading low, putting the right type of investments in the right type of accounts (tax location), using losses to offset capital gains, using holdings with large capital gains for gifting, investing in tax-free municipal bonds, etc.Diversified. We like to invest in diversified funds because they reduce your stock specific risk, and the overall risk of your portfolio. Bad news released about one stock may cause it to drop 50%, which is horrible news if that stock is 20% of your whole portfolio, but will be barely noticed in a fund of 1,000 stock positions. We tend to favor funds that typically have at least a hundred holdings and often several hundred holdings or more. These diversified funds give you broad representation of the whole asset class you are trying to get exposure to, while eliminating the stock specific risk. We are not likely to invest in the newest Solar Energy Company Equity Fund with 10 stock positions, for example. We don’t believe in taking any risks (such as stock specific risk) that you will not get paid for in higher expected return.Liquid. We like investments that you can sell in one minute or one day if you decide to do so, and those which you can sell at or very close to the prevailing market price. With liquid investments you always (daily) know the exact price and value of your investments. All of the investment funds we recommend meet this standard. We don’t like investments which you are locked into for years without the ability to get your money back at all or without paying large exit fees. Examples of illiquid investments would be hedge funds, private equity funds, annuities, private company stock, tiny publicly traded stocks, startup company stock or debt, illiquid obscure bonds, structured products, some life insurance “investments,” private real estate partnerships, etc. We prefer investment funds that have been around for some time, are large in size, and have high average daily trading volumes.Simple. We prefer investments that are simple, transparent, and easy to understand. If you don’t understand it, don’t invest in it. All of our investments are simple and transparent; we know exactly what we own. Complicated investment products are designed in favor of the seller, not the buyer, and usually have high hidden fees. Examples of complicated and non-transparent investments that we generally avoid are hedge funds, private equity funds, structured products, some life insurance “investment” products, variable annuities, private company stock, startup company stock or loans, etc. “Make everything as simple as possible, but not simpler.” -Albert Einstein.We believe most investors should have the majority of their portfolio invested in things that have these five excellent characteristics. By doing so you will avoid plenty of mistakes, negative surprises, and risks along the way. In addition, we believe your after tax investment returns will likely be higher over long periods of time. Of course not every smart or good investment will have all of these characteristics. For example, income producing real estate property is illiquid (and often not diversified) but can be an excellent long-term investment if purchased and managed properly. Owning your own business is illiquid and not diversified but can be an excellent way to build wealth as well. We believe these five investment characteristics become even more important as you enter retirement, since at that point you may be more focused on reducing risk and preserving your wealth than building it, and you may need the liquidity to spend and gift part of your wealth during retirement. These five excellent investment characteristics can be a good screening device for possible investments and good factors to think about when investing. </p>]]></content:encoded> <wfw:commentRss>https://cinbwms.info/five-excellent-investment-characteristics,html/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://cinbwms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region,html</link> <comments>https://cinbwms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region,html#comments</comments> <pubDate>Thu, 16 Mar 2023 09:57:10 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://cinbwms.info/?p=50</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://cinbwms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://cinbwms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://cinbwms.info/crypto-currency-vs-fiat-currency,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:40:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cash]]></category> <category><![CDATA[Crypto currency]]></category> <category><![CDATA[currency]]></category> <guid isPermaLink="false">http://cinbwms.info/?p=48</guid> <description><![CDATA[Crypto currency vs. Fiat currency Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use [...]]]></description> <content:encoded><![CDATA[<p>Crypto currency vs. Fiat currency</p><p>Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use of cryptos, while the other has a soft corner for the fiat currencies.</p><p>In cashless society- crypto money play a huge role</p><p>If you have a look at the market of the 1970s and 1980s, you will find that the cash played the dominant role. But, with the change in the technology, electronic transactions have become the usual norm. Today, more and more people are influenced in becoming the cashless society. With the progress towards the cashless society, cryptocurrencies have a big role to play.</p><p>Crypto currency and fiat currency are always at loggerheads</p><p>Cryptocurrency and fiat currency are popular types of digital currency, especially when it is about an online transaction. They both are currencies currently in use in the market but have some differences in them. There is a hell lot of hypes that you will hear on a daily basis comparing the crypto money and the fiat money. This article will highlight the difference between the two in a more comprehensive and clear manner.</p><p>Differentiating in what the currencies stand for</p><p>Before going for the difference between the two, you must understand what do they stand for and how are they are defined.</p><p>The fiat currency is a legal tender that has the support of the central government, and it operates in the physical form. For instance, US dollars, British Pounds, Euro etc. On the other hand, the crypto currency is a non-legal tender, and doesn’t have any backup from the central government or bank.<br />Hence, the difference between crypto currency and fiat currency is noted as follows:</p><p>• Crypto-currencies are decentralized and global in nature. There are no one entity or government that controls the currency with their laws and regulations. The Fiat currency is centralized, under the control of the laws and regulations of the banks and government.</p><p>• Crypto-currencies have their existence only in the digital domain. On the other hand, you will find that the fiat currencies have a tangible and physical existence.</p><p>• There is a limited supply of crypto-currencies with a maximum set of them getting supplied in the market. Whereas, the fiat money has an unlimited supply as the government and bank are entitled to produce coins and paper money whenever the situation is required.</p><p>• The Bitcoin and other crypto type currencies are created by the computers, while the fiat currencies are issued by the local government and the banks.</p><p>• Cryptocurrencies are presented as the public and private code pieces. On the other hand, the fiat currencies are presented in the form of coins and paper money.</p><p>• The value of the crypto currencies is not recognized by the supply and demand of the market. Whereas, the fiat currency value is determined by the market regulations of supply and demand.</p><p>The different types of crypto and fiat currencies</p><p>In the last one decade, the popularity of crypto type currencies has emerged as a huge success. It was in 2009, when Bitcoin was first introduced, and years after several other types of crypto currencies have emerged. Starting from Litecoin. Dogecoin, Ripple to the Dcash and Zcash, there is a plethora of them. On the other hand, the fiat currency has a rich and ancient roots, with the Great British Pound, that dates back to 775 AD. It is considered as the oldest currency in the world that is still in use.</p><p>The differences in the anonymity between the two currencies</p><p>When you are using the fiat currencies, you need to undergo a user identification or verification process. You are asked to upload a recent picture of yourself and some of the required documents to be issued as per the public authorities. You don’t need to undergo any of the required processes with the crypto currencies. Though your personal information and confidential details don’t get public, but all your transactions are recorded and tracked in both the fiat and the crypto currencies.</p><p>Fiat currency vs crypto currency: transparency level</p><p>• The transparency level with the crypto type currencies are considered to be more. This is because the revenue streams are displayed in a public chain. Everyone can witness their own and others’ transactions.</p><p>• The fiat or govt. currencies are not transparent, as there are not public chains to see the revenue streams of the people.</p><p>A comparative historical roots</p><p>If you compare the crypto money with that of its counterpart, fiat or government currency, you will find that their existence and creation brings the difference. The Fiat or government currency, dates back its existence as early as 775 AD with the introduction of the Great British Pound. This is why fiat type currency is easily accepted by the people all over.</p><p>On the other hand, the crypto coin was perhaps first introduced only a decade ago, with the introduction of Bitcoin in 2009. The challenge that the Bitcoin and other crypto currencies face is catching up with the immense popularity and increasing fan base of the fiat currency. Crypto currency, is no doubt gaining importance and popularity in the economic market, but it has still not been accepted widely in the society as the fiat currency.</p><p>A comparative history of the two currencies:</p><p>• It was in the 11th century, when the Chinese Song dynasty was perhaps the first one to issue the paper money. It was not allowed to exchange with valuables like gold and silver or silk.</p><p>• There were Tally sticks that were introduced as a fiat or government currency. 1100 Tally sticks were introduced as a combat for the shortages in gold.</p><p>• 1971, was the year, when the fiat currency received a worldwide recognition. President Nixon introduced it in order to eliminate the dollar pegging system to gold.</p><p>• It was in 1998, when the idea of an anonymous electronic cash system emerged by Wei Dai. Bitgold-the very first crypto currency was created by Nick Szabo, but it didn’t receive as much attention as Bitcoin.</p><p>• In 2009, Bitcoin was introduced in the market, that became the first crypto currency that was accepted across the globe. In 2011 and after, a series of several other crypto currencies were introduced. Some of the popular ones include, Litecoin, Dogecoin, Ethereum, Ripple, Zcash, Dash and so on.</p><p>The traits of both the currencies</p><p>The potential of the crypto type currencies and fiat currencies, accessing their traits is important. You will find that in some of the criteria, Bitcoin and other crypto currency is superior than the fiat or government currency, and in some cases, the latter surpasses. It is absolutely your call to choose the type of currency (crypto type currency or fiat type currency) based on your personal needs and requirements.</p><p>Let us compare their traits with respect to certain factors.</p><p>• Both the crypto coins and fiat type currencies are interchangeable in nature.</p><p>• As per the portability is concerned both the currencies secure more or less the same position.</p><p>• With respect to the non consumable criteria, crypto currency and fiat type currency have the equal status.</p><p>• Crypto type currencies have high durability as compared to the fiat-currencies that have moderate level of durability.</p><p>• Both the crypto or virtual currencies and the fiat or government currencies ensure secure and safeguarded transactions and exchange.</p><p>• Crypto or digital currencies are highly divisible in nature. On the other hand, the fiat type currencies are moderately divisible.</p><p>• In terms of the transaction process, the crypto currencies are easy and hassle free. Whereas, on the other hand, the traction process associated with the fiat currencies are easy, but not like the cryptos.</p><p>• The crypto based currencies are decentralized and global in nature, unlike the fiat currencies that are centralized and functions under the laws and regulations of the government.</p><p>• The crypto based currencies have high scarcity, where as, the fiat currencies are unlimited as the government can issue coins and paper money whenever there is a need.</p><p>• The crypto based currencies are based on mathematical algorithms, and are programmable. The fiat currencies are not at all programmable.</p><p>• The fiat currencies are sovereign in nature, while the crypto currencies are not.</p><p>The process of the functioning of the currencies</p><p>You can find the significant differences between the crypto or digital currencies and the fiat currencies with the way they both operate and the transaction process that take place. They are contrasting in nature. The transfer of money using the Bitcoin is very quick, and you absolutely don’t need any third party association.</p><p>On the other hand, if you are involved with the money exchange using Fiat type currency, a mobile wallet is in use. You can exchange an amount of e-money that gets transferred into the equal e-value amount. Both the fiat and the crypto currencies enable you to purchase everything that you desire. But the processes involved are absolutely distinct from each other.</p><p>Depending on the things you purchase, you will find that one currency form is better than the other. This is absolutely your choice.</p><p>Is Bitcoin, a crypto currency better than the fiat-currency?</p><p>The long term benefits and the capability of the Bitcoins is still not established. But it has been predicted by the crypto currency gurus and experts, that they will go a long way, especially revolutionizing the way the online transactions are done. In the current market, the Bitcoin is mainly included in the online casinos and the gambling, but it is not limited to it.</p><p>Furthermore, when you compare the fiat currencies, the Bitcoin allows you to seize the power and authority from the banks and the government since it is not controlled. The cryptography based currency has the capability to create or come up with the free market capitals. Fiat currencies are affected by the inflation and the changes in the market, unlike the crypto based currencies. Such aspects make individuals believe that cryptograph based currencies will soon take over the mainstream currencies and bring a transformation in the way the money is used.</p><p>Why is Bitcoins considered to be a better aspect than the fiat type currencies?</p><p>• Bitcoin gives you the opportunity to re-create a free market capitalism.</p><p>• The power of controlling the money is absolutely with the individuals, and not with the banks like the fiat type currencies.</p><p>• When there is an inflation, the Bitcoin is not affected. But the Fiat type currency will be easier to lose and get affected by it.</p><p>• The Bitcoin currency is easy easier to exchange and transfer as compared to the fiat or government currencies.</p><p>• The transaction fees involved with the Bitcoin are way cheaper and easily affordable.</p><p>Crypto currencies seem to be a favorable option among the people</p><p>The fiat type currencies are the centralized and legal way of exchanging money. But, the crypto currencies have acquired immense popularity in the past few years. There will never be anyone who would act as a middle man, like the case with the banks. Moreover, the cryptos are way cheaper and less expensive that the conventional fiat currencies.</p><p>Send money anywhere directly without waiting for the bank’s approval</p><p>You can send money to anyone in the world directly, and it is super fast. The money gets cleared within a few minutes time. You don’t have to wait for the traditional clearing and verification processes of the banking systems, which might take up to several days to get a clearance. Since it is decentralized and doesn’t come under the law and regulations of the government, nobody has any power to do anything with your account.</p><p>The blockchain technology has a very big role to play</p><p>Thanks to the crypto currencies, that gives us the power and the authority to become our very own bank, and take control over our finances. It is because of the blockchain technology that offers a higher level of sophistication while dealing with the finances. In fact, there are some mainstream financial industries that have started incorporating the idea of the technology.</p>]]></content:encoded> <wfw:commentRss>https://cinbwms.info/crypto-currency-vs-fiat-currency,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Are You Choosing the Right Stock Market Advisory Company</title> <link>https://cinbwms.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://cinbwms.info/are-you-choosing-the-right-stock-market-advisory-company,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:35:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[financial]]></category> <category><![CDATA[help you]]></category> <category><![CDATA[planners]]></category> <category><![CDATA[point]]></category> <guid isPermaLink="false">http://cinbwms.info/?p=46</guid> <description><![CDATA[What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, [...]]]></description> <content:encoded><![CDATA[<p>What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, when it comes to investing in the stock market for the first time, you require a knowledgeable advice to attain your financial goals and get profitable returns.</p><p>If you are a beginner, then it is quite obvious that you may be having no information about the process of buying the right shares in the market. In such a situation, getting the right tips from an experienced financial advisor or a registered advisory company will truly prove to be a great blessing in disguise. However, there are some of the important things that have to be kept in mind while choosing the top stock market advisory company, which are as follows:</p><p>How much assistance do you actually require?</p><p>Before you make up your mind to hire an advisor, it is imperative that you must first decide about the kind of service you require from them. You may need their help at the beginning or during the time of any issues. This is because an advisor has to formulate a map according to your requirements. Hence, it is suggested to ascertain your needs first and then take further action.</p><p>Choose a top ranked advisory company</p><p>It is a very important point that has to be taken into the consideration. Availing services of the well known advisory company or a financial advisor is an absolute necessity. Make it a point to carry out a proper background or research work about the company. Check out their credentials, reputation, experience, etc before hiring them.</p><p>Asking for a sample financial plan initially makes sense</p><p>When hiring a financial advisor, then do not forget to ask for sample plan first. It is imperative to note that there is no such thing called the perfect plan. A sample plan will help you to determine whether an advisory company is actually making sense according your requirements or not.</p><p>Conclusion</p><p>The financial planners or advisory companies can really turn out to be the greatest asset for you if you choose the best one. They are just like the professional sailors who can help you out to sail through stock investment related problems quite efficiently.</p><p>Deepak is a financial advisor who likes to provide quality tips to the people facing any issues with regard to investing in the stock market. He likes to keep himself updated about the stock market by reading articles, news and blogs, etc.</p>]]></content:encoded> <wfw:commentRss>https://cinbwms.info/are-you-choosing-the-right-stock-market-advisory-company,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Fear and Greed in the Market</title> <link>https://cinbwms.info/fear-and-greed-in-the-market,html</link> <comments>https://cinbwms.info/fear-and-greed-in-the-market,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:33:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[company]]></category> <category><![CDATA[indicators]]></category> <category><![CDATA[investors]]></category> <category><![CDATA[Market]]></category> <category><![CDATA[technical]]></category> <category><![CDATA[trading]]></category> <guid isPermaLink="false">http://cinbwms.info/?p=44</guid> <description><![CDATA[Greed and Fear. Two Emotions that play a bigger factor in the success or failure of humans than any other emotion we experience. Both fear and greed refer to an intrinsic emotional state. Tens of Millions of dollars have been made and lost based on these 2 emotions alone. In trading, in business and in [...]]]></description> <content:encoded><![CDATA[<p>Greed and Fear.</p><p>Two Emotions that play a bigger factor in the success or failure of humans than any other emotion we experience. Both fear and greed refer to an intrinsic emotional state. Tens of Millions of dollars have been made and lost based on these 2 emotions alone. In trading, in business and in relationships. So why do so many educational courses, stock trading books and online courses avoid this topic all together?</p><p>Perhaps they are not avoiding the topic of emotions, Perhaps by teaching certain methods and skill sets to their readers they are in fact dealing with the emotional side of trading head on!</p><p>It is well known that emotions create a certain amount of pleasure or displeasure. It is also known that emotions are networked with mood, frame of mind, desires and passions. The list goes on… So how do we as individuals develop a skill set to navigate these emotions in business in trading and in life?</p><p>Charles Darwin argued that emotions actually served a purpose for humans and rightfully so, If our emotions have been evolving for over 2 million years. Should we not be using these amazing skills to our advantage rather than placing blame on them for poor decision making? It is my belief the poor decision making has nothing to do with emotions and everything to do with laziness and lack of planning.</p><p>A Lesson From One of the Greats!</p><p>I would be doing my readers a disservice if we did not mention the strategy of Warren Buffett. One of the most successful investors of our time. Warren Buffet stuck to his strategy and profited greatly. Warren Buffett showed us just how important and beneficial it is to stick to a plan. When deciding whether or not to invest in a company himself, Buffett and his partners follow a few simple guidelines, one of which involves trying to determine the company’s longevity.</p><p>As the market becomes overwhelmed with greed, the same can happen with fear. When stocks suffer large losses for a sustained period of time, the overall market can become more fearful of sustaining even further losses. But being too fearful can be a grave mistake. It is precisely at this time successful investors and traders alike make their move. This is where the real money is made.</p><p>Just as greed dominated the recent Cryptocurrency boom or fear dominates the headlines on potential trade war outcomes, investors quickly move around from one “secure” investment to another. It becomes a constant game of cat and mouse.</p><p>This flooding in of money to the stock market shows a complete disregard for many technical indicators that continue to scream a correction is inescapable. Retail Investors seem overjoyed with the flooding in of headlines that read ALL TIME HIGH. Should retail investors be overrun by fear of a major correction?. Granted, losing a large portion of your retirement portfolio’s worth is a tough pill to swallow, but even harder to digest is the possibility of missing out on the massive gains the market is currently offering investors of all experience levels.</p><p>Having a clear understanding of my own personal goals, a understanding of my success and creating a list of my OWN wants and needs rather than taking dreams of others and trying to reach them has been a colossal factor in putting out the greed flame in my own trading and daily decision-making.</p><p>I have also added a link of “Must Read” Books that have been advantageous in my journey of reigning in my emotions on decision-making. I will update this as I see fit..</p><p>One method I have found to be helpful is to be careful on how I measure success, wealth, goals and most importantly happiness. It is far to easy these days to allow outside influences affect our happiness and success. Social media blasts us day in and day out with the success of others.</p>]]></content:encoded> <wfw:commentRss>https://cinbwms.info/fear-and-greed-in-the-market,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>5 Areas Where Interest Rates Matter!</title> <link>https://cinbwms.info/5-areas-where-interest-rates-matter,html</link> <comments>https://cinbwms.info/5-areas-where-interest-rates-matter,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:32:13 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[buyer]]></category> <category><![CDATA[government]]></category> <category><![CDATA[politics]]></category> <category><![CDATA[pricing]]></category> <guid isPermaLink="false">http://cinbwms.info/?p=41</guid> <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> <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 – 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 – of – money, makes a significant difference.</p><p>1. Bond prices and interest rates: The price of a bond, generally, is inversely – 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 – 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 – related issues!</p><p>2. Mortgage rates: For the last few years, we have been witnessing and experiencing, record – 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 – house – for – his – 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><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 – 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><p>4. Business borrowing: Another area affected, is business cost of borrowing! Presently, they have had access, to relatively, cheap – money, which helps in reducing the costs of borrowing, overall operations, purchasing inventory, etc. But, what happens, when this, ticks – up?</p><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 – town! In addition, many corporations, have seemed, better – 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><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 – prepared, you will be!</p>]]></content:encoded> <wfw:commentRss>https://cinbwms.info/5-areas-where-interest-rates-matter,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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