![[Valid RSS]](images/valid-rss-rogers.png "Valid RSS")
This is a valid RSS feed.
This feed is valid, but interoperability with the widest range of feed readers could be improved by implementing the following recommendations.
<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>coyaxms.info</title> <atom:link href="http://coyaxms.info/feed" rel="self" type="application/rss+xml" /> <link>https://coyaxms.info</link> <description></description> <lastBuildDate>Thu, 01 Aug 2024 21:53:39 +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>Understanding Secured Home Improvement Loan</title> <link>https://coyaxms.info/understanding-secured-home-improvement-loan,html</link> <comments>https://coyaxms.info/understanding-secured-home-improvement-loan,html#comments</comments> <pubDate>Fri, 07 Apr 2023 21:23:01 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Home Improvement]]></category> <guid isPermaLink="false">http://coyaxms.info/?p=60</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://coyaxms.info/understanding-secured-home-improvement-loan,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Our Wellbeing and GDP At Threat – Support to Real Artists and Real Art</title> <link>https://coyaxms.info/our-wellbeing-and-gdp-at-threat-support-to-real-artists-and-real-art,html</link> <comments>https://coyaxms.info/our-wellbeing-and-gdp-at-threat-support-to-real-artists-and-real-art,html#comments</comments> <pubDate>Wed, 05 Apr 2023 08:53:12 +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://coyaxms.info/?p=58</guid> <description><![CDATA[In yet another interesting edition of Arts Nation: An Overview of Australian Arts, 2015 Ed., prepared by the Australian Council for the Arts, great insight was presented as to the current state of the industry and the direction forward. The proceeding discusses the results and implications of the current situation from the Australian Council for [...]]]></description> <content:encoded><![CDATA[<p> In yet another interesting edition of Arts Nation: An Overview of Australian Arts, 2015 Ed., prepared by the Australian Council for the Arts, great insight was presented as to the current state of the industry and the direction forward. The proceeding discusses the results and implications of the current situation from the Australian Council for the Arts findings.Firstly to note, in what was extremely pleasing to read, was that nearly every Australian engaged in some form of arts culture at least once in 2013. Whether this be in the form of live events, art galleries or reading of literature; 94% is something to be proud of for our great country. Compare this to America where Artnet News notes a steady decline in American attendance in their benchmark arts activities (jazz events, classical music performances, opera, musical plays, non-musical plays, ballet, and art museums or galleries) since 1992. In that year 41% of Americans attended at least one form of these benchmark art activities, however fast forward to 2012 and this rate has dropped to 33.4% [2].This is an alarming trend based on the evidence from internationally recognised subjective wellbeing analysis techniques which consider emotional, social and cognitive factors. These techniques help calculate the value of intangibles and has backing from people such as the Nobel prize winner Daniel Kahneman [3] saying that economists can, and should measure individual and social wellbeing directly to understand the true value of people’s activities.85% of Australians are in consensus that the arts make for a richer and more meaningful life, and nearly all Australians engage in at least one form the arts each year. Hence it would be feasible to deduce that with an increasing arts interaction in which Australia has an already admirable position, a higher life satisfaction is likely outcome with all other factors being equal. This situation is directed in a vastly different direction for America with their declining arts interaction at ratios around one third that of Australia’s.Given the position Australia is in with regards to the arts interaction and the obvious benefits to the public, it is little wonder that the Australian government continues to contribute approximately $7 billion dollars per year between culture and the core arts. This sector generates around $50 billion dollars to Australia’s GDP each year. A GDP share that is comparable to that of America.Contributing to this GDP value is the number of tourist coming to Australia and also engaging in our culture and arts. A figure which is trending upward by 20% over the last three years and now at 2.4 million tourists / visitors who undertake Australian arts activities whilst visiting. This represents 38% of visitors who come to Australia, who engage in our arts. Needless to say this shows a great deal of insight into the quality of the artists in Australia. Further substantiated by the strong representation of Australian artists nominated for international awards. From a selection of 16 major international arts events, the artists shortlisted for international arts award was made up by 1.6% Australians. Very admirable and proof of the quality of Australian arts based on the Australian population only making up around 0.33% of the world population.These talented artists, though achieving great things nationally and internationally are still scarce in number and on a plateau. In addition to the 109,000 students currently undertaking creative arts qualifications at a tertiary level, there is around 44,000 professional artists in Australia. Of these 44,000 professional artists only around 17% are working full time on their creative practice. A mear 7,500 professional artists working on their own works. A country which derives $50 billion in GDP from culture and the arts and has a $7 billion dollar a year contribution from the government. An industry that is recognised to improve our quality and fulfilment of our lives. So it brings wonder as to why this is, and it is so very clear in the Australian Council for the Arts report. It is here it is noted that the average income for these professional artists who commit their full work time to their own creative practice is $22,500 per year. This represents nearly a quarter of the annual Australian wage of $81,000 [4] for the twelve months to June 2013.Even with $7 billion dollars contributed annually by the Australian government in addition to the $221 million raised from the private sector by arts organisations, the professional artists are in need of support. Real artists needing support to keep being able to create work for an industry which nearly every Australian interacts with each year. An industry that aids our life satisfaction and general happiness.With no question to the benefits of constant technological advances in basically all facets of our modern lives, there exists businesses focused on taking away such purpose from the before discussed artists. The printing of canvas paintings for example, creating mass produced and commercialised images in minutes. Taking away from any uniqueness and honesty of the artwork because a machine has executed the file. This also discards the skill set and talent that an artist creates with a handmade piece of art. Then as the domino effect goes, leaves less artists able to focus full time on their own creative works. Eventually a trend of this nature will leave real artists as an endangered species. With the 44,000 professional artists plateau since 2001, the occupation share that the artist profession has, thus must be declining at the same rate as the Australian population growth. Around 29% since 2001 (18,607,584) [5] to the time of writing this article (23,946,356) based upon the Australian Bureau of Statistics historical population data and Australian population projection clock [6]. A sad and worrying trend for an industry so important to our country in both economical and social terms.It has already been stated that the vast majority of Australians (85%) agree that arts make for a richer and more meaningful life. So it needs to be recognised that in order to retain and continue to benefit from that which the arts giveth, we must continue to support real artists doing real work, or the benefits will be taketh from us all.Please support real art and real artists.References[1] Arts Nation: An Overview of Australian Arts, 2015 Ed., prepared by the Australian Council for the Arts[2] Alexander Forbes – Artnet News, 2015[3] Layard R 2005, Happiness: Lessons from a New Science. Stiglitz J A, Sen A and Fitoussi JP 2009, Report by the Commission on the Measurement of Economic Performance and Social Progress. O’Donnell G, Deaton A, Durand M, Halpern D and Layard R 2014 Wellbeing and Policy[4] SEEK’s Annual Salary Review, 2013[5] Australian Bureau of Statistics, 2014, 3105.0.65.001 – Australian Historical Population Statistics, 2014, Table 1.2[6] Australian Bureau of Statistics, 2015 </p>]]></content:encoded> <wfw:commentRss>https://coyaxms.info/our-wellbeing-and-gdp-at-threat-support-to-real-artists-and-real-art,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How Did Health Care Costs Get So High?</title> <link>https://coyaxms.info/how-did-health-care-costs-get-so-high,html</link> <comments>https://coyaxms.info/how-did-health-care-costs-get-so-high,html#comments</comments> <pubDate>Tue, 04 Apr 2023 22:39:49 +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://coyaxms.info/?p=56</guid> <description><![CDATA[First, let’s get a little historical perspective on American health care. To do that, let’s turn to the American civil war era. In that war, dated tactics and the carnage inflicted by modern weapons of the era combined to cause terrible results. Most of the deaths on both sides of that war were not the [...]]]></description> <content:encoded><![CDATA[<p> First, let’s get a little historical perspective on American health care. To do that, let’s turn to the American civil war era. In that war, dated tactics and the carnage inflicted by modern weapons of the era combined to cause terrible results. Most of the deaths on both sides of that war were not the result of actual combat but to what happened after a battlefield wound was inflicted. To begin with, evacuation of the wounded moved at a snail’s pace in most instances causing severe delays in treatment of the wounded. Secondly, most wounds were subjected to wound related surgeries and amputations and this often resulted in massive infection. So you might survive a battle wound only to die at the hands of medical care providers whose good intentioned interventions were often quite lethal. High death tolls can also be ascribed to everyday sicknesses and diseases in a time when no antibiotics existed. In total something like 600,000 deaths occurred from all causes, over 2% of the U.S. population at the time!Let’s skip to the first half of the 20th century for some additional perspective and to bring us up to more modern times. After the civil war there were steady improvements in American medicine in both the understanding and treatment of certain diseases, new surgical techniques and in physician education and training. But for the most part the best that doctors could offer their patients was a “wait and see” approach. Medicine could handle bone fractures and perform risky surgeries and the like (now increasingly practiced in sterile surgical environments) but medicines were not yet available to handle serious illnesses. The majority of deaths remained the result of untreatable conditions such as tuberculosis, pneumonia, scarlet fever and measles and/or related complications. Doctors were increasingly aware of heart and vascular conditions, and cancer but they had almost nothing with which to treat these conditions.This very basic understanding of American medical history helps us to understand that until quite recently (around the 1950′s) we had virtually no technologies with which to treat serious or even minor ailments. Nothing to treat you with means that visits to the doctor if at all were relegated to emergencies so in that scenario costs were obviously minuscule. A second factor that has become a key driver of today’s health care costs is that medical treatments that were provided were paid for out-of-pocket. There was no health insurance and certainly not health insurance paid by someone else like an employer. Costs were the responsibility of the individual and perhaps a few charities that among other things supported charity hospitals for the poor and destitute.What does health care insurance have to do with health care costs? Its impact on health care costs is enormous. When health insurance for individuals and families emerged as a means for corporations to escape wage freezes and to attract and retain employees after World War II, almost overnight there was a great pool of money available for health care. Money, as a result of the availability of billions of dollars from health insurance pools, encouraged an innovative America to increase medical research efforts. As more and more Americans became insured not only through private, employer sponsored health insurance but through increased government funding that created Medicare, Medicaid and expanded veteran health care benefits, finding a cure for almost anything has become very lucrative. This is also the primary reason for the vast array of treatments we have available today. I do not wish to convey that this is a bad thing. Think of the tens of millions of lives that have been saved, extended and made more productive as a result. But with a funding source grown to its current magnitude (hundreds of billions of dollars annually) upward pressure on health care costs are inevitable. Doctor’s offer and most of us demand and get access to the latest available health care technology, pharmaceuticals and surgical interventions. So there is more health care to spend our money on and until very recently most of us were insured and the costs were largely covered by a third-party (government, employers). This is the “perfect storm” for higher and higher health care costs and by and large, the storm is intensifying.At this point, let’s turn to a key question. Is the current trajectory of U.S. health care spending sustainable? Can America maintain its world competitiveness when 16%, heading for 20% of our gross national product is being spent on health care? What are the other industrialized countries spending on health care and is it even close to these numbers? Add politics and an election year and the whole issue gets badly muddled and misrepresented.I believe that we need a revolutionary change in the way we think about health care, its availability, its costs and who pays for it. And if you think I am about to say we should arbitrarily and drastically reduce spending on health care you would be wrong. Here it is fellow citizens – health care spending needs to be preserved and protected for those who need it. And to free up these dollars those of us who don’t need it or can delay it or avoid it need to act. First, we need to convince our politicians that this country needs sustained public education with regard to the value of preventive health strategies. This should be a top priority and it has worked to reduce the number of U.S. smokers for example. If prevention were to take hold, it is reasonable to assume that those needing health care for the myriad of life style engendered chronic diseases would decrease dramatically. Millions of Americans are experiencing these diseases far earlier than in decades past and much of this is due to poor life style choices. This change alone would free up plenty of money to handle the health care costs of those in dire need of treatment, whether due to an acute emergency or chronic condition.Let’s go deeper on the first issue. Most of us refuse do something about implementing basic wellness strategies into our daily lives. We don’t exercise but we offer a lot of excuses. We don’t eat right but we offer a lot of excuses. We smoke and/or drink alcohol to excess and we offer a lot of excuses as to why we can’t do anything about it. We don’t take advantage of preventive health check-ups that look at blood pressure, cholesterol readings and body weight but we offer a lot of excuses. In short we neglect these things and the result is that we succumb much earlier than necessary to chronic diseases like heart problems, diabetes and high blood pressure. We wind up accessing doctors for these and more routine matters because “health care is there” and somehow we think we have no responsibility for reducing our demand on it.It is difficult for us to listen to these truths but easy to blame the sick. Maybe they should take better care of themselves! Well, that might be true or maybe they have a genetic condition and they have become among the unfortunate through absolutely no fault of their own. But the point is that you and I can implement personalized preventive disease measures as a way of dramatically improving health care access for others while reducing its costs. It is far better to be productive by doing something we can control then shifting the blame.There are a huge number of free web sites available that can steer us to a more healthful life style. “Google” “preventive health care strategies”, look up your local hospital’s web site and you will find more than enough help to get you started. Let’s go America – we can do this! </p>]]></content:encoded> <wfw:commentRss>https://coyaxms.info/how-did-health-care-costs-get-so-high,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Tesla Motors – The Full Story – Part 1</title> <link>https://coyaxms.info/tesla-motors-the-full-story-part-1,html</link> <comments>https://coyaxms.info/tesla-motors-the-full-story-part-1,html#comments</comments> <pubDate>Tue, 04 Apr 2023 19:10:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[tesla finance]]></category> <guid isPermaLink="false">http://coyaxms.info/?p=53</guid> <description><![CDATA[The Tesla Roadster could very well be the most influential and revolutionary sports car ever created. In an automotive world governed by oil and oil interested the Tesla Roadster had some of the industries largest players vying for its electric motor technology even before a single Roadster had been made. It sounds a crazy story, [...]]]></description> <content:encoded><![CDATA[<p> The Tesla Roadster could very well be the most influential and revolutionary sports car ever created. In an automotive world governed by oil and oil interested the Tesla Roadster had some of the industries largest players vying for its electric motor technology even before a single Roadster had been made. It sounds a crazy story, but it is one I am lucky to be able to let.The Roadster came very close to never existing. Never mind that for years, decades even anyone tried to take on the problem of an electric vehicle was met with hostility by the industry. Their inventive spirit would crumble under a barrage of insults, “it can’t be done”, “it’s not viable”And for a large part in it’s early years around 2007, Tesla motors was succeeding in proving the critics right. With over 100 million dollars of investors money, Martin Eberhard the companies CEO and one of its founders and only succeeded in proving that they could produce a vehicle that when expected to retail as $109.000 cost $140.000 to make, and still didn’t have a working transmission, air conditioning and inferior seat linings.The one thing they did have however was a battery and in truth they had succeed in the hardest part of all, the battery was the answer to the power problem everything else was just fine tuning, getting all the components on car to work with this new power source.The battery park was the hardest design feat in the whole car and they had succeed in creating a powerful and strong and most importantly safe battery pack. Running off Lithium Ion batteries much like in a Laptop the power pack could produce 200 Kilowatts, translated into the road in the form of over 280 horse power and 0 to 60 in 3.9 seconds.And though the car and Tesla’s finances were in trouble the future was here in the shape of that batteryIn the next two parts I will explain how the roadster was saved and how that battery technology has found it way into some unlikely places. </p>]]></content:encoded> <wfw:commentRss>https://coyaxms.info/tesla-motors-the-full-story-part-1,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Make Money Investing in 401K Plans in 2015-2016 and Beyond</title> <link>https://coyaxms.info/how-to-make-money-investing-in-401k-plans-in-2015-2016-and-beyond,html</link> <comments>https://coyaxms.info/how-to-make-money-investing-in-401k-plans-in-2015-2016-and-beyond,html#comments</comments> <pubDate>Wed, 22 Mar 2023 15:32:03 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Investing]]></category> <guid isPermaLink="false">http://coyaxms.info/?p=50</guid> <description><![CDATA[Torie, like millions of other people, knows that she needs to make money investing in 401k plans in 2015-2106 and beyond (she has a couple) in order to retire comfortably. What she also needs to know: 401k asset allocation, how to pick and manage her best 401k investment options, and the outlook for 2015 and [...]]]></description> <content:encoded><![CDATA[<p> Torie, like millions of other people, knows that she needs to make money investing in 401k plans in 2015-2106 and beyond (she has a couple) in order to retire comfortably. What she also needs to know: 401k asset allocation, how to pick and manage her best 401k investment options, and the outlook for 2015 and 2016. Let’s take a look at how she and you can make money in 2015, 2016 and beyond (or at least make the best of it) if you’re in the same boat.Although it’s been easy to make money investing in 401k plans in recent years, this is not always the case. The first thing Torie and you need to do is to set a goal (Torie’s is to retire in about the year 2040). Second, be honest about your personal risk tolerance. Torie’s is “moderate” – but definitely not aggressive! Third, review your present 401k asset allocation to determine whether the investment options you hold are in line with your risk tolerance. Are you in the best 401k investment options, and in the right proportion?Finally, you need to understand that 2015 and 2016 could be a difficult time to make money investing in 401k plans. The reason: weak economic forecasts make yesteryear’s best 401k investment options vulnerable to losses. Stocks are pricey and so are bonds. Assuming your risk profile is similar to Torie’s (she would like to make money but wants to avoid heavy losses) what can you do now to stay on track, make money, and avoid heavy losses if 2015 and beyond turns ugly? We’ll use Torie as our example.A number of years ago Torie decided that she wanted to make money investing in 401k plans, but wanted to keep things simple. She had changed jobs once and was planning on another change in the future. With both employers she had set her plan up with 50% going to a safe stable account and 50% to a Target 2040 fund. She was busy and pretty much ignored her statements over the years. After all, her goal was to make money investing, and she could see at a glance that her portfolio balance was growing. Now, she needs to take a closer look at her 401k asset allocation to see what percent is invested in each of her two 401k investment options.In early 2015, a closer look revealed that both plans had a portfolio asset allocation far riskier than she had expected. The target fund represented almost 80% of her assets in her first plan and 75% in her current plan. What happened, and what action should she take to get back on track and still keep things simple? What happened was that her target 2040 funds turned out to be one of the best 401k investment options in her plans and they far outperformed her safe stable accounts.The other best 401k investment options had been stock funds, but Torie considered them to be too risky. With the target fund most of her money was actually invested in stock funds, with the rest in bond funds; and both fund types had performed well heading into 2015. Her plan was to continue to make money investing in her 401k by holding her target fund and a safe investment. That way she was invested in stocks and some bonds as well to give here her portfolio some balance.What she now needs to do is to REBALANCE her 401k asset allocation so that 50% of her portfolio assets are again equally invested in each of her two chosen investment options. That cuts her risk considerably and it fits her comfort level. Now, can you or Torie make money investing in 401k plans in 2015-2016 with a 401k asset allocation that is allocated half to safe investment options (money market funds or stable accounts) and half to stock funds or target funds? Yes, unless the stock market falls and bonds also take a hit.How can you make money investing in 401k plans in 2015 and beyond if both stocks and bonds get hit hard? You would need to move the vast majority of your money to the safe havens available. In other words, your best 401k investment options would be the stable account that pays interest (if one is available) or the money market fund (which your plan should have, but currently pays very little in dividends). For the average investor who needs long term growth (like you and Torie) this is an extreme measure.Remember, your real objective is to make money investing in 401k plans, so you can have a secure retirement. Moderate risk is part of the program. I use Torie as an example because her situation is typical. Her 401k asset allocation fits her (and likely your) risk tolerance and should produce growth over the long term. She has chosen the best 401k investment options to reach her goal of retirement in 2040 (if you plan to retire in 2030 go with the 2030 target fund, and so on). Half of her money is safe and the other half has growth potential.Plus, she has a plan to manage her 401k investment options. If the markets get ugly in 2015 and 2016 she will not make money investing in 401k plans, she will lose money. But she has money going into her target fund every pay period buying shares at cheaper and cheaper prices, and money going into and accumulating in her safe investment. Anytime her 401k asset allocation shows that 60% or more is in the safe account she will REBALANCE back to 50%, which means taking money from the safe account and adding it to the target fund. Then, when the markets turn, she’s well positioned to make money investing in 401k plans for a secure future. </p>]]></content:encoded> <wfw:commentRss>https://coyaxms.info/how-to-make-money-investing-in-401k-plans-in-2015-2016-and-beyond,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://coyaxms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://coyaxms.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://coyaxms.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://coyaxms.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://coyaxms.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://coyaxms.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://coyaxms.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://coyaxms.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://coyaxms.info/fear-and-greed-in-the-market,html</link> <comments>https://coyaxms.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://coyaxms.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://coyaxms.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://coyaxms.info/5-areas-where-interest-rates-matter,html</link> <comments>https://coyaxms.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://coyaxms.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://coyaxms.info/5-areas-where-interest-rates-matter,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Utilize Colors strategically in website design</title> <link>https://coyaxms.info/how-to-utilize-colors-strategically-in-website-design,html</link> <comments>https://coyaxms.info/how-to-utilize-colors-strategically-in-website-design,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:30:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Computers]]></category> <category><![CDATA[Technology]]></category> <guid isPermaLink="false">http://coyaxms.info/?p=29</guid> <description><![CDATA[Color can be a powerful tool for website design. It can draw attention, convey emotion, inspire an atmosphere of desire, or directing conversation all these and more are accomplished through the clever and well-planned application of color. Similar to layouts and style of your words the color visitors will see on your website will determine [...]]]></description> <content:encoded><![CDATA[<p>Color can be a powerful tool for website design. It can draw attention, convey emotion, inspire an atmosphere of desire, or directing conversation all these and more are accomplished through the clever and well-planned application of color. Similar to layouts and style of your words the color visitors will see on your website will determine the way they feel about it and whether or whether they’ll return.</p><p>What makes color important for Website Design</p><p>Colors can increase the visibility of your brand and can also entice visitors to your website to engage. The impression they form subconsciously about your company could be based on your website’s color scheme. So when a web design firm is first deciding to design your site, they first look at two aspects – the feelings your brand wants to create, and the cultural and philosophical contexts that it would like to be in line with. This is the initial step to choosing the right colors for the design of your website.</p><p>Color Psychology – colors trigger emotions<br />Psychology of color is the term used to describe the impact that color can influence a person’s feelings behaviours, feelings, and moods. Although the rules are not fixed in stone, we are drawn to certain colors because they affect our feelings. The context here is crucial. Red could mean fear and risk to certain people, but enthusiasm and passion to other people. When using colors in web design, it should blend seamlessly with aspects of the website including copy, typography, and images.</p><p>Below are some colors and the emotions they bring. While they aren’t fixed in stone, these are generalizations and can have an impact on the people who are watching. This will help you determine the color of your choice in accordance with how you would like your viewers to feel and the actions you would like them to do.</p><p>• Red Power, Love passion, danger exhilaration</p><p>• Orange: fun, warmth, comfort, freedom, playfulness</p><p>• White Peace, Clarity pure, purity, and cleanliness</p><p>• Blue: calm, confidence peace, trust and logic, as well as reliability</p><p>• Purple: luxury, sophistication, mystery, loyalty, creativity</p><p>• Pink: gentleness, sincerity, nurturing, warmth</p><p>• Green: health, nature, prosperity, abundance</p><p>• Brown nature protection, security, support</p><p>• Yellow: happiness, creativity, optimism, friendliness</p><p>• The Black: class, control power, sophistication and depression</p><p>Cultural Context<br />While various colors could have different meanings for individuals, colors can are also associated with cultural significance. In many Western countries, it is believed that black symbolizes mourning and death, while the same color is used in a variety of Eastern nations.</p><p>The color Red is thought to be associated with focus and pressure in Western culture, while many Eastern cultures believe it is associated with luck. It is important to consider the context when making a selection of colors. Most of the time, you’ll prefer to select the colors of your company based on the audience you want to reach. Based on the location where your market is located the colors displayed on your site could convey significant messages in different ways.</p><p>However, it’s not always the case particularly when it comes to massive and well-known brands that have images already embedded in our consciousness. The red color of Coca-Cola or KFC, for example, will typically have no negative associations anymore, considering the extent to which well-known and loved they are.</p><p>The Basics of Color Theory</p><p>Theory of Color is an established set of rules that can be helpful in understanding and creating complementary colors and combinations. These basic principles can assist you in creating a color colour scheme that is appropriate to your company’s specific requirements.</p><p>Primary Colors: They are three in total – blue, red and yellow.</p><p>Secondary Colors: These colors are created using primary color combinations like the green (yellow and blue) and orange (yellow and red) along with purple (blue plus red).</p><p>Tertiary Colors: These are colors made by mixing primary with secondary color.</p><p>Shades, Tints Tones: The colors listed above are referred to by some as “pure shades”. But, these colors can be used to create other colors. Tints are created by adding white to pure colors, which makes them less intense and lighter. Shades are created by adding a lack and making them heavier and more powerful. It is possible to use white and black in different levels to create tones using pure hues.</p><p>Contrast: Contrast is the perception of the difference between two hues when put next to each other. The greater the contrast, the more the two colours stand out from one another. This is a crucial idea since different levels of contrast can make an entirely different look to your site. A text that is colored and placed with a background that is low in contrast could cause issues with reading. Contrast may also make certain elements stand out (or even deflect attention from particular elements when used effectively) in your website and can make them stand out visually.</p><p>Color Models</p><p>When designing graphic designs, color is defined using color models. This is due to the fact that it is possible to find millions of different colors and it’s impossible to list every single one. The standards were developed to allow us to easily define colors by using numbers.</p><p>RGB Model: The model that is used when working with designs on the screen. RGB refers to Red as well as Green and Blue. The three colors are assigned a value of zero to 255, and the different combinations give us different shades. The colors are typically displayed as color codes, six-digit hexadecimal code numbers. It’s an “additive” color model.</p><p>CMYK Model: This model is utilized to print for printing purposes. It is a combination of Cyan, Magenta, Yellow and Black Each color is described using its proportion of these colors. It is a “subtractive” colour model.</p><p>the LAB Model: The word LAB means lightness, A channel as well as B channel. It’s a more complicated model. It includes the lightness factor, which is a range of zero to 100, an A component that is located on the red-green axis, and a B component that is located on the blue and yellow axis. This means that the color description is more akin to human perception when compared to RGB and CMYK models.</p><p>Making Color Palettes</p><p>The first color you select for your website is the primary color of your company’s branding (Red is the color of Coca Cola, for example). This is where the psychology of color is particularly useful. The color you choose is in accordance with the feelings and the personality you want to communicate. Following that, you build your color palette with the colors that complement the base color. This is the time when the color wheel is used.</p><p>Color Wheel: A color wheel can be described as an instrument that is used to illustrate the connection between different colors. It’s basically an abstract drawing that arranges different hues of color within a circle.</p><p>With the aid of a color wheel, you have are five primary types of color palettes you can make with the help of color wheel</p><p>Analogous Palette: Analogous colors are put on top of each other in the form of a color wheel. They are in low contrast against each other and work well together, giving an elegant effect.</p><p>Monochromatic Palette: The palettes are made up of one hue that is distinctive, and is complemented by elements of various colors and hues. The palette is appealing to look at. To prevent an uninteresting look it’s beneficial to add different colors, or even complimentary elements to your website.</p><p>The HTML0 Triad Palette – This palette is composed of three colors, which are evenly spaced from each other on the wheel of color. This method should be employed with care, and not only to select colours that go well with each other and blend well but also to utilize the colors in a way that doesn’t appear too cluttered and loud.</p><p>Complementary Palette: The Complementary palette is made up of colors that are on opposite sides of the spectrum of colors. This is a great way to create striking art designs that attract attention to certain parts of your site.</p><p>Split-complementary Palette: The palette is similar to complement palettes, but it has another color placed beside one of the colors that complement each other on the wheel of color. If used correctly this design can be effective in creating a natural appearance without too much sound.</p><p>Effective Tools to Inspire</p><p>Inspiration for new colors can be found everywhere from competitor websites to nature, and the beautiful outdoors. It’s also beneficial to keep abreast of the new trends in branding. Here are some helpful tools to help you get going with fresh color concepts right away.</p><p>Pinterest The website Pinterest is a wealth of color palette concepts developed by designers from all over the globe. They can be an incredible source of ideas.</p><p>Pantone: The color Pantone has been the leading company in the area of color. It is an index of color that determines the various shades of the various hues. The most recent trends in color in fashion and design generally stem from pantone.</p><p>color-scheme Creation Websites: There are many dedicated color websites for designers that can assist you in creating colors and play around with the palettes in any way you would like. This is a fantastic opportunity to try out and create new palettes for yourself. Websites such as Adobe Color Wheel, Color Collective along with Design Seeds can be great for quick ideas.</p><p>Conclusion</p><p>While color alone may not be the sole factor in website design, it does play an important role. If used properly and in a way that is appropriate, the color(s) that you use be a defining factor for your company’s image. Utilizing the tricks and tips that were mentioned earlier, you will not have any issues using colors in your web design to get the most impact.</p>]]></content:encoded> <wfw:commentRss>https://coyaxms.info/how-to-utilize-colors-strategically-in-website-design,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
Download the "valid RSS" banner.
Upload the image to your own server. (This step is important. Please do not link directly to the image on this server.)
Add this HTML to your page (change the image src attribute if necessary):
If you would like to create a text link instead, here is the URL you can use:
http://www.feedvalidator.org/check.cgi?url=https%3A//coyaxms.info/feed
