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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>dwadtms.info</title> <atom:link href="http://dwadtms.info/feed" rel="self" type="application/rss+xml" /> <link>https://dwadtms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 00:21:53 +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>Elements of a Strong Corporate Travel Program</title> <link>https://dwadtms.info/elements-of-a-strong-corporate-travel-program,html</link> <comments>https://dwadtms.info/elements-of-a-strong-corporate-travel-program,html#comments</comments> <pubDate>Fri, 24 Feb 2023 10:55:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Adventure Travel]]></category> <category><![CDATA[Airline Travel]]></category> <category><![CDATA[Budget Travel]]></category> <category><![CDATA[Charter Jets]]></category> <category><![CDATA[Travel Planning]]></category> <category><![CDATA[Vacation Homes]]></category> <guid isPermaLink="false">http://dwadtms.info/?p=61</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://dwadtms.info/elements-of-a-strong-corporate-travel-program,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>10 Tips For Choosing the Perfect In-Home Health Care Agency</title> <link>https://dwadtms.info/10-tips-for-choosing-the-perfect-in-home-health-care-agency,html</link> <comments>https://dwadtms.info/10-tips-for-choosing-the-perfect-in-home-health-care-agency,html#comments</comments> <pubDate>Fri, 24 Feb 2023 09:45:01 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://dwadtms.info/?p=59</guid> <description><![CDATA[When caring for your aging parent or loved one becomes overwhelming and you need a break, or when extra help is needed with bathing, feeding, dressing, household duties or if caring for them yourself is just not possible anymore, selecting an in-home health care provider is a good alternative.Proper screening is essential to ensure that [...]]]></description> <content:encoded><![CDATA[<p> When caring for your aging parent or loved one becomes overwhelming and you need a break, or when extra help is needed with bathing, feeding, dressing, household duties or if caring for them yourself is just not possible anymore, selecting an in-home health care provider is a good alternative.Proper screening is essential to ensure that the person you choose has, not only the skills to provide excellent care, but also the right personality for the job. Consider these tips and hints and you will find that hiring an in-home heath care provider does not have to be stressful.1. Evaluate Your Loved One’s Needs<br />While some older adults just need assistance with basic living skills, others have additional health care needs that require a special skill set. Therefore, it is necessary to make a list of all of the duties that an in-home health care professional will need to provide so you can narrow down the list of candidates early on. If you are hiring through an agency, give them as much information from the start so they can match you up with someone who possesses all of knowledge and capabilities to give the best care possible to your loved one.<br />If your home health care worker will be assisting with bathing or dressing, it is important to discuss this with your loved one to make sure that they are comfortable with the gender of the companion. Women or men may become embarrassed when opposite gendered health care workers assist them with personal care and this may cause bath time to become stressful.2. Speak With Local Experts<br />Before you go to the yellow pages or check out the classifieds for home heath aids, speak with neighbors, doctors, and elder care providers locally who can give you some recommendations and advice. Find out where other families have found in-home help and have them tell you about their experience. An administrator at a local nursing home may also have some suggestions for you on where to locate the best care giver. Support groups are a wealth of information, as well.3. Create a Job Description<br />When you are ready to begin speaking with applicants and conducting interviews, start by writing a job description. The job duties can serve as talking points for your interview and also give the applicants a clear picture of what will be required of them.4. Prepare Interview Questions<br />If you are not experienced at conducting formal interviews, you will benefit greatly by having a prepared list of questions. It will help you stay in control of the interview, not miss any key points, and make the best use of your time. Write it all down.5. Outline an Employment Contract<br />Even if the person you select comes highly recommended and you and your family really hit it off with them, make sure to remain professional. This includes having them sign a contract that outlines your expectations, their duties, as well as boundaries. You can then refer back to the contract should a situation arise in the future. Often Home Health Agencies prepare the contracts themselves. Be sure to read them carefully and add anything that you wish to be included.6. Personally Screen Candidates<br />Since the person you hire will be spending time alone with your parent or loved one, it is essential that you approve them yourself. Having an agency just send someone over is not acceptable in this situation. Even if they can paint a picture of a candidate’s qualifications, because the job of health care provider is so intimate, personality is equally as important. If your loved one is able to participate in the interview, that is ideal. Regardless, they should spend some time together to make sure that they click.7. Conduct a Background Check<br />Do not trust your intuition. When you think that you have found the person you want to hire, do conduct a background check to make sure that the person you hire does not have a questionable past.8. Check References<br />Even if this is their first job in the field of health care, every applicant should be able to provide references. Ideally, these should come from past employers. Otherwise, professors, internship supervisors, and personal references can also be used.9. Protect Your Home and Family<br />Since the health care provider you hire will most likely have free access to your home, possessions, and family members, find out if they are bonded. It they are not bonded themselves, find out if the agency that you hired them from is. Remember not to leave credit cards, checkbooks and personal papers in unsecured areas.10. Stay Involved<br />Your job is not over once the contract is signed and employment has begun. The more of a presence you have in your loved one’s life the better. Even if you can not be there in person, scheduling telephone meetings can let the health care provider know that you are involved and on top of things. Ask for progress reports and find out if there are any difficulties. Since the health care provider is around your loved one the most, they can give you the best information about their physical health as well as their state of mind.One way to stay involved is to use a caregiver’s organizer (which we just happen to offer on our website). The Caregiver’s Companion is an organizational tool that has sections for personal information, family history, medications and side effects, medical appointments, and home health care workers notes. I hate selling, but this IS a very good tool in my opinion. </p>]]></content:encoded> <wfw:commentRss>https://dwadtms.info/10-tips-for-choosing-the-perfect-in-home-health-care-agency,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Institutional Reforms In The Higher Education Sector Of Mozambique And Ethical Issues</title> <link>https://dwadtms.info/institutional-reforms-in-the-higher-education-sector-of-mozambique-and-ethical-issues,html</link> <comments>https://dwadtms.info/institutional-reforms-in-the-higher-education-sector-of-mozambique-and-ethical-issues,html#comments</comments> <pubDate>Fri, 24 Feb 2023 06:54:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Education]]></category> <guid isPermaLink="false">http://dwadtms.info/?p=57</guid> <description><![CDATA[The need to eradicate poverty through increased literacyOne of the central goals defined by the Government of Mozambique in its long-term development strategy is “poverty reduction through labour-intensive economic growth”. The highest priority is assigned to reduce poverty in rural areas, where 90 percent of poor Mozambicans live, and also in urban zones. The Government [...]]]></description> <content:encoded><![CDATA[<p> The need to eradicate poverty through increased literacyOne of the central goals defined by the Government of Mozambique in its long-term development strategy is “poverty reduction through labour-intensive economic growth”. The highest priority is assigned to reduce poverty in rural areas, where 90 percent of poor Mozambicans live, and also in urban zones. The Government recognizes also that, for this development strategy on poverty eradication to succeed, expansion and improvement in the education system are critically important elements in both long-term and short-term perspectives.In the long term, universal access to education of acceptable quality is essential for the development<br />of Mozambique´s human resources, and the economic growth will depend to a significant extend on the education and training of the labour force. It is very important to develop a critical mass of well trained and highly qualified workforce which in turn will improve the overall literacy, intellectual development, training capacity and technical skills in various areas of the country’s economic and industrial development.In the short term, increased access and improved quality in basic education are powerful mechanisms for wealth redistribution and the promotion of social equity. This policy is consistent with the provisions of the new Constitution of Mozambique adopted on 16 November 2004, in its articles 113 and 114 which deal respectively with education and higher education. Around the year 1990, the Government of Mozambique decided to change its social, economic and political orientation system from the centrally-planned system inherited from the communist era and adopted a western-style of free market system. At the same time, it was also decided to adopt fundamental changes in the education programmes. Since drastic changes and wide ranging effects were resulting from the adoption of the new economic and political orientation, it was necessary to provide new guidelines and rules governing the management of institutions of higher education.The struggle continues: “a luta continua” ! The economic and political changes were progressively introduced with success through legislative and regulatory reforms. However, it has not been very easy to evenly change rules of social and cultural behaviour. In particular, vulnerable younger generations are the most affected by the rapid changes in society, while the reference model and values they expect from elder people in the modern Mozambican society seem to be shifting very fast. And in some instances, there seem to be no model at all. The new wave of economic liberalism in Mozambique, better defined by the popular concept of “deixa andar”, literally meaning “laisser-faire”, was mistakenly adopted as the guiding principle in the areas of social, cultural and education development.The “laisser-faire” principle is better understood by economists and entrepreneurs in a system of open market and free entrepreneurship, under which the Government’s intervention is reduced to exercising minimum regulatory agency. The recent considerable economic growth realized by the Government of Mozambique (10% of successive growth index over four years) is attributed mainly to this free market policy. This principle should be carefully differentiated from “laisser-aller” which, in French language, rather means lack of discipline in academic, economic, social and cultural environments.<br />Reforming higher education institutions represents a real challenge, both at the institutional and pedagogic levels, not only in Mozambique, but elsewhere and in particular in African countries faced with the problem of “acculturation”. The youth seeking knowledge opportunities in national universities, polytechnics and higher institutes, where students are somehow left on their own, having no longer any need to be under permanent supervision of their parents or teachers, are disoriented. Since reforms in higher education institutions take longer than in any other institutional environment, it is necessary indeed to adopt adequate transitional measures to respond to urgent need of the young generations.This essay reviews current trends and the recent historical background of higher education institutions of Mozambique. It argues against the adoption of the classical model of higher education from European and other western systems. In its final analysis, it finds that there is need to include ethical and deontology (social, cultural and moral education) components as priority sectors within the curriculum in higher education institutions, with a view to instill in the students and lecturers positive African values in general, and in particular, national Mozambican models. It is rejecting the neo-liberal thinking, which proposes that students in higher education institutions should be allowed to enjoy unlimited academic, social and intellectual uncontrolled independence, in conformity with western classical education and cultural orientation. It advocates for critical thinking and brainstorming on key issues towards the development of positive cultural and ethical models in higher education institutions which could be used to promote knowledge development and poverty eradication in the country’s rural areas and urban zones affected by unemployment, pandemics and economic precariousness.The colonial legacy and its cultural impact on higher education in Mozambique.Many experts have described the Mozambican mother of higher education as an institution for colonialists and “assimilados” . The first institution of higher education in Mozambique was established by the Portuguese government in 1962, soon after the start of the African wars of independence. It was called the General University Studies of Mozambique (Estudos Gerais Universitários de Moçambique EGUM). In 1968, it was renamed Lourenço Marques University. The university catered for the sons and daughters of Portuguese colonialists. Although the Portuguese government preached non-racism and advocated the assimilation of its African subjects to the Portuguese way of life, the notorious deficiencies of the colonial education system established under the Portuguese rule ensured that very few Africans would ever succeed in reaching university level. However, many educated African were led to adopt the colonial lifestyle.In spite of Portugal’s attempts to expand African educational opportunities in the late 1960s and early 1970s, only about 40 black Mozambican students – less than 2 per cent of the student body -had entered the University of Lourenço Marques by the time of independence in 1975. The state and the university continued to depend heavily on the Portuguese and their descendants. Even the academic curriculum was defined according to the needs and policies defined long ago by the colonial power.<br />Soon after Independence in June 1975, the Government of Mozambique, from the FRELIMO party, adopted a Marxist-Leninist orientation and a centrally planned economy. The educational system was nationalized, and the university was renamed after Dr. Eduardo Mondlane, the first president of FRELIMO.Many cadres trained in Portugal and other European and American universities came also with their own educational and cultural background. Apart from the Eduardo Mondlane University, new public and private universities and institutes were established. These include the Pedagogic University, the ISRI, the Catholic University, ISPU, ISCTEM and ISUTC. Most of these institutions adopted a curriculum clearly modeled on the classical European model. There is still need to integrate African traditional values in the course profiles offered and research programmes developed by these institutions.The traditional role of a university is to enlighten and serve as a reference within the society: “illuminatio et salus populi”. Today, Mozambique is one of the most culturally and racially diversified society of Africa. This diversity should be considered as a cultural treasure for the nation. It has become however apparent that it’s more a “Babel Tower case”, as no unified Mozambican values appear to develop from this wide variety. With the creation of new public and private universities and new faculties, it would become easier to increase a critical mass of university lecturers and academic professionals, who would in their turn, influence the society, creating and instilling national positive values and ethical principles of conduct in the younger generations. According to many lecturers and students contacted at UEM, Universidade Pedagogica UP and UDM, the impact of higher education on the development of positive academic, scientific, social and cultural values in Mozambique is yet to be felt.It is however necessary to acknowledge the importance of newly introduced community-based education programmes in some institutions. For instance the emphasis on community and service has guided curriculum development at the Catholic University; its course in agronomy (Cuamba) concentrates on peasant and family farming systems and leans heavily on research and outreach within local farming communities. The CU course in medicine (developed in collaboration with the University of Maastricht) which concentrates on teaching medicine, was particularly deemed appropriate for the rural and urban poor populations of Mozambique, as it is more based on problem-solving and focuses much more on traditional issues.New Reforms in higher education institutions with a more participative approachMozambique is one of few countries in Africa where a new generation of leadership has stepped forward to articulate a vision for their institutions, inspiring confidence among those involved in higher education development and the modernization of their universities. In a series of case studies sponsored and published by the Partnership for Higher Education in Africa , it was confirmed that African universities covered by the studies have widely varying contexts and traditions. They are engaged in broad reform, examining and revising their planning processes, introducing new techniques of financial management, adopting new technologies, reshaping course structures and pedagogy, and more important, reforming practices of governance based in particular on their own contexts and traditions.Important institutional reforms concerning the strategic planning experiences of the Eduardo Mondlane University (UEM) were initiated and implemented so far. Two strategic planning cycles were developed, the first in 1990 and the second one in 1996 / 97. The second one was meant to adapting to the impacts of newly adopted multi-party democracy, market competition, and globalization. Whereas the first reform cycle was the result of high level officials at the University, the second one was generated using a participatory methodology deemed to be more effective in involving the university staff in the process.It is important to listen to everyone, and to be seen as listening. We are also convinced that various components of the population in Mozambique should be involved in the next phases of the process with a view to define what kind of education orientation the population would wish to have for their children.<br />There is important progress but yet limited academic impact on the development of the society<br />Considerable progress has been so far made in post-independence Mozambique. After the initial problems caused by the long years of civil war and then the long efforts necessitated by the adjustment to a market-driven economy and a multi-party democratic political order, Mozambique is now considered to have a higher education system that offers a wide variety of course options and extensive research opportunities. However, a major weakness highlighted by many observers is that all the institutions remain basically concentrated in the capital city of Maputo and its neighboring provinces. It is argued that they serve only a limited fraction of the Mozambican population, and are destined to train the elite of prominent people in government and in the professions, industry and commerce. It is also alleged that the majority of the students who succeed in entering public and private institutions of higher education are from relatively rich families.It is finally emphasized that nearly 80 per cent of university students in Mozambique use Portuguese as their principal means of communication, thus strengthening the perception of establishing, reproducing and consolidating a hereditary elite, with model values copied on western societies. In response to this challenge, it was suggested that the government should encourage the emergence of new and non-traditional HEIs closer to the local communities, able to respond more rapidly and flexibly to the demands and expectations of the public and private sectors for a high quality trained workforce, while addressing both regional and socioeconomic imbalances in the country.In our final analysis, we find that the impact of higher education institutions on the development and dissemination of traditional African social and cultural values would be very limited for a long period. As long as the access and feed-back from all levels of the society and regions will be left out of the core interaction with the highly educated elite and higher education institutions mainly concentrated in Maputo, the role of universities in promoting African positive values, a culture of academic ethics and deontology in the entire national society will be very limited.The process of “Nation building” needs to rely on a strong academic support. One of the Government’s main constitutional commitments is to promote the development of the national culture and identity (article 115 of the 2004 Constitution). It is clear that many institutions, for instance the television, are actively promoting cultural diversity through various means. Institutions of higher education should be seen doing more, in particular starting with the students themselves and the academic community members, who are expected to be the light of the society. Such actions would include the integration of courses on ethics and deontology, and develop a wide-ranging variety of education models that reprove negative behavior and promote positive values. Our recommendation is that the Government should for example instruct public universities and other higher education institutions, to appoint “Ethics and Deontology Committees” at the level of their University Councils and within all autonomous faculties.Bibliography-Fry, Peter and Utui, Rogéro (1999), The Strategic Planning Experience at Eduardo Mondlane University, ADEA Working Paper on Higher Education, ADEA, Association for the Development of Education in Africa, Paris.-Mouzinho, Mário ; Fry, Peter ; Levey, Lisbeth and Chilundo, Arlindo (2001), Higher Education in Mozambique: A Case study, The Partnership for Higher Education in Africa, New York University, New York </p>]]></content:encoded> <wfw:commentRss>https://dwadtms.info/institutional-reforms-in-the-higher-education-sector-of-mozambique-and-ethical-issues,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Secure Connection Failed</title> <link>https://dwadtms.info/secure-connection-failed,html</link> <comments>https://dwadtms.info/secure-connection-failed,html#comments</comments> <pubDate>Fri, 24 Feb 2023 05:36:02 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://dwadtms.info/?p=55</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://dwadtms.info/secure-connection-failed,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Student Loan: Loan Magician</title> <link>https://dwadtms.info/student-loan-loan-magician,html</link> <comments>https://dwadtms.info/student-loan-loan-magician,html#comments</comments> <pubDate>Fri, 24 Feb 2023 03:53:44 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://dwadtms.info/?p=53</guid> <description><![CDATA[Loans.Loans, loans, loans that’s what everyone is talking about, on internet, on radio, on, television in news we see advertisement for loans everyday, everywhere. “You want to buy a hat, a cat, a house, a car, you can get a loan”. “Getting loan was never easier”. “Live life the way you want”. These are all [...]]]></description> <content:encoded><![CDATA[<p> Loans.Loans, loans, loans that’s what everyone is talking about, on internet, on radio, on, television in news we see advertisement for loans everyday, everywhere. “You want to buy a hat, a cat, a house, a car, you can get a loan”. “Getting loan was never easier”. “Live life the way you want”. These are all the sentences that are clouding the media nowadays. And of course this has increased the ratio of people borrowing loans from banks and other lending organizations. A number of people are making their dreams come true due to these loans, which was otherwise impossible. You can get loans for multiple things like for starting a business, purchasing a house, or getting a car so on and so for. You can simply apply for the loan, buy your desired object and keep on paying small installments for years without even noticing it. Instead of waiting for long years of tough work to buy a house or establish a business of your own you can get some help from one of the diverse kinds of loans and benefit yourself from this golden opportunity.Fantasies, dreams have no end. But in order to actualize them you need enough resources, now you have several opportunities to do what you always wanted. For different reasons or things you have varied kinds of loans. Be careful about the interest rates and other specifications of a loan. That will help you in generating the best results financially. You can get loan on really low rates if you play safe, I mean pay your installments on time and if you manage to pay it before time that would be more than good that will drag you in the line of good borrower, which will be very useful if ever in future you need to get the loan again. Unsecured loans are the most fascinating and tempting loan kind that has ever come across my knowledge. You are at minimum risk especially you are simply free from any possibility of repossession of your home or any other asset.Whereas on the other hand the creditors are at high risk by giving you an unsecured loan as they provide you loan just on the assessment of your income and repayment capacity and therefore the monthly installments are a bit higher and the repayment duration is also shorter as compared to secured loans. But for everything you have to pay a price, there is nothing free and of course you are getting money without giving any of your owned possession’s guarantees, which is a very big thing? This doesn’t stop here; you have other benefits too of unsecured loans that can’t be overlooked. First you can find a number of companies who are offering unsecured loans and thus get it on a very competitive rate. As for an unsecured loan you are not to provide a number of documents with the loan application the process of the approval are much faster than that of secured loans. It can be obtained in the time span of as short as 72 hours.Besides this there are other loans you can think of like secured loans but of course you should be dead sure that you’ll pay the loan before the deadline, as for secured loans you have to put any of your asset as a guarantee to bank, there are cheap home improvement loans, house buying loans, small and big business loans, personal loans, bad credit loans, pay day loans, car loans etc… there are just few things to keep in mind while applying or before applying a loan such as the interest rate, type of rate (fixed or variable), terms and conditions (repayment time in months or years), deposit (down payment), associated fees (broker, origination, prepayment etc.), insurance required by the lender. For best financial results see all the terms and conditions and be crystal clear about the things and then apply. This will give you ample tendency to work out your way out victoriously.Loans are never (most of the times) an effectual, result-oriented solution for your long term monetary needs! Taking loans is becoming a fashion, I think more then 50% of advertisement on media is directly or indirectly about loans. But frankly speaking I believe loans are not more than debt traps. There are so many alluring names as payday loans; cash advance loans, check advance loans, post-dated check loans or deferred deposit check loans. But beware! Don’t charmed by such attractive offers, think twice about borrowing a loan before you go ahead with this and honestly realize, do you really need a loan? Is it inevitable? Is this loan for frivolous, like a holiday? Or for something real serious an urgent need, Can you borrow money by a more traditional way, I mean from a relative, maybe a part-time job or you can think of selling an asset. Try to convince your creditors for some more time to pay your bills. Find out what they will charge you for that service – as a late charge, an additional finance charge or a higher interest rate. Don’t put your foot into a trap yourself if you can avoid it.Did you ever think why you drag your self in to a situation where you are left with no money and need loan desperately? Strive to mend this; if you are a lavish spender and you always spend more than you earn then it is a terrible practice. To overcome this condition, if you opt for a payday loan, it will be a “chancy solution”. Payday loan companies often take the advantages of your need and lead you in debt ensnare. Try to make a more realistic and practical budget, and figure out your monthly and daily expenses. Avoid superfluous purchases even undersized every day items. Their costs add up and may become a huge amount at times that makes real big difference. Also, put aside some savings, even small amounts will do to avoid borrowing for emergencies, unexpected expenses or other such instances. I know it’s simply impossible to write your requirements in black and white and consume money according to that but one should make a strict line that you are not spending more than this and this is only for your own advantage.Check out if you can go for overdraft protection on your checking account? If you are a regular most or all of the funds in your account user so then if you make a mistake in your checking (or savings) account ledger or records, overdraft protection can assist in protecting you from further credit problems. Do find out the terms of overdraft protection. Want any help or working out a debt repayment plan with creditors or developing a budget, contact your local consumer credit counseling service. Almost in every state there are non-profit groups that offer credit guidance to consumers. These services are available at very little or no cost. Don’t forget to check with your employer, credit union or housing authority for no- or low-cost credit counseling programs. If you decide that a payday loan is inevitable, borrow only as much as you can afford to pay with your next paycheck and still have enough to make it to the next payday.While taking a loan it’s never only the interest rate to take care of it’s only a part, there are a whole lot of other inevitable expenses that makes it really, really expensive. The rate on a payday loan may be 500% per year or even more. Borrowing 200 dollar for 2 weeks at 500% will cost you 38.36 dollar. Just compare this to borrowing 200 dollar for 2 weeks at 36% (2.76 dollar) or 12% (.92 dollar). Suppose if this loan is refinanced four times, the cost difference increases dramatically! In actuality, it will cost you nearly 200 dollar to borrow 200 dollar for ten weeks. Gosh! It’s a lot. Besides the insurance rate there are also arrangement fees and prepayment penalties to consider. And many ‘no fee’ credit lines have a pre-payment penalty. This is the way broker and lenders make their money. Do work out the total cost of your loan before committing? Compare the APR and the finance charge (which includes loan fees, interest and other types of credit costs) of credit offers to get the lowest cost.Borrowing loans can be helpful when you are having temporary cash flow crisis or are facing a financial emergency and need money on a short-term basis. Don’t rely on loan or don’t make long-term planning depending on loans only. If you already have one loan outstanding, then you should avoid taking out another such loan. Also think about the aggravations if you can’t be able to repay the loan at specific date to the payday lender!! I hope you are getting my point. Now this was what I call a bird’s eye view about the loans advantages and disadvantages. But if still you are not satisfied and wants to dig in more to know minute details about different types of loans, I’ll give you some info about it as after all you are the best judge for your own problems and needs. Doesn’t matter what someone says it’s always you who know what you need to do?I have already given you a transparent idea about secured and unsecured loans. Now else than this there are home loans, bad credit loan, bad credit auto loan, personal loan, debt consolidation, payday loan, mortgage loan, auto loan, student consolidation loan, business loan, home equity loan and pay day advance. See you can get loan for anything and everything. There are so many different kinds of flexible and non-flexible loans that help you to keep going ahead in life.<br />Loan products.Pay day loan.Hmmm…! The dead line of paying the installment of a credit card is coming near. And still didn’t get your pay. Well laugh your worries away. The payday loan will help you to pay on time. After you get your salary you can pay off your payday loan, but don’t make it a habit? For short-term loan this is the best sort of loan you can go for.Home loan.Everyone either he is a prince or a commoner want to own a home of his own, in old days people use to work whole their lives to buy their own house. But in this struggle the best boom period of life flies away. Now enjoy your life to the fullest, get a home loan and build the house of your dreams and live in it like a king. You can buy, build or renovate a house by acquiring various types of loans that suits you the most. There are mostly three kinds of it:o You already own a house and want to renovate it. You can get a loan for renovating your house by putting your house for collateral security to the bank for the loan.o Secondly you have a plot and want to build your house on it. Then again the place will be the collateral security and you’ll be provided loan to build the structure of the house on it.o The third type is that you neither have a house nor a plot and you want to buy a house in that case you will get the loan to build your house but the house will be on bank’s name till you pay the loan fully.<br />Else than this there are different rules and flexibilities for diverse home loans. Like:o The mark-up rate will vary for a salaried person or a businessman. It can start from 11% for a salaried person and 12% for a businessman though different banks and other companies may differ from this rate.o For construction, purchase & balance transfer you can have 3 to 20 years times to pay back the loan.o For renovation it can be from 2-20 years.o For home purchase you can get the amount of loan that can vary from – 0.5M to 20M.o Whereas for home renovation approximate loan can be form – 0.5M to 7M.o For home construction you can get up to – 0.5M to 10M.<br />This could be the approximate loan to value ratio you can get for these different home loans.o For Home Purchase – 80:20 for salaried employees, businessmen and self-employed professionals who maybe in the business for five years and 75:25 for businessmen and self-employed professionals who can be in the business for last 3 Years.o For Home Construction – 70:30 for salaried employees, 70:30 for businessmen and self-employed professionals who maybe doing business for last five years and 65:35 for businessmen and self-employed professionals who are in the business for last three years.o For Home Equity- 70:30 for salaried employees, 70:30 for businessmen and self-employed professionals who can be in the business for last five years and 65:35 for businessmen and self-employed professionals who are in the business for last three years.o For Balance Transfer Facility – 80:20.Car loan.Car is not luxury anymore it’s a necessity; you are handicap without a car. If you cannot afford a car with your salary and trying desperately to save some money for buying a car but unfortunately every month something new comes up to eat up all your savings then get a car loan and make your life easy and you can use your savings in paying the installment of your loan every month. For car loans the rules are almost same as house loans. The payment will vary with the difference of new or used car, car model or price.Bad credit car loan.Happy news for the bad credit raters, now you can also enjoy the pleasure of shopping the way you want; there is high competition in those who are ready to give loan to those who have bad credit rating for car and even for house. Or if you are doing a business you can still get a loan. Actually roughly all sorts of loans are open to bad credit rater now. Though they’ll charge more interest rate and other charges but still you have a facility of loan to enjoy.Student loan.Learning is a weapon no one can steal. Education is of no comparison with anything, I think it’s a must get thing for everyone. But sometimes due to monitory resources one has to discontinue his or her education but now you can freely get education as much as you want, you just have to get a loan and study to your fill. Student loans for the benefit of students are on quite competitive rates and are much more flexible than other loans to provide maximum chance to a student to be carefree and get education as easily as possible.Business loan.Doesn’t matter how much good salary you are taking? A business (of course here I am talking about your own business) is a blessing. There is no tension of getting deadlines from your boss. No pressing for reaching office at so and so time. And there are definitely more chances of growth. Now if you want to start a business or re-establish it on a small platform or on a bigger level there are all different sorts of loans to benefit you in your goal. Your business may have helped you construct your home, now your home can assist you build your business. A business loan is normally against Residential Property. It is an evergreen credit line that the customer can use for his/her business expansion.o Business loan can be for business expansion.o Or for staring a new business.o You can get loan for a small business set-up as well as fro a bigger business project.o Business loan offers you the facility of availing a financing up to 70 % of your property value. So that now you can have a chance to avail a higher amount against your assets, you can plan your growth and expansion exactly the way you want to.o There is another kind of loan you can get for business purpose, you can give a business plan to a bank and make the bank a sort of business partner. In this way you are saved the worry of putting your house or any other asset as collateral. This type of loan is very useful for heavy industry.Personal loan.We all dream, but there are few who dare to put the power gear of their life to make their dreams come true. It’s much easier to fulfill your most dear fantasies now with the prospect of personal loan. The most interesting part in going for personal loan is you’ll be not asked the reason for getting loan.o Personal installment loan is extremely flexible. You can borrow any amount ranging from 50,000 to 500,000 for 12, 18, 24, 30, 36, 42, 48, 54 and 60 months. Whatever suits you! Isn’t awesome, what else you need for a good start? Although there can be pre-payment penalty if you desire to pay the loan before the agreed tenure.Other Loans.Besides these chief and main objects there are other prospects for which you can get loan. Those may not be as important for all but you can still avail the chance to do other things with loan like if you desire to redecorate your house but you are short of money for that you can get branded or non branded furniture of your choice besides this you can also buy other home appliances on installment.So now you can see how many options are open for you to make your next move. You can easily choose to do what suits you the most. Loans are almost for everything you are thinking of doing in your life. Due to high competition in market the rates are also quite flexible and in addition you are allowed to choose from a lot of flexibilities to relax you for paying back any loan. From a business to petty thing for your personal use you can get loan. </p>]]></content:encoded> <wfw:commentRss>https://dwadtms.info/student-loan-loan-magician,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>3 Sources Where Your Small Business Can Get A Loan Today – Yes, Even Your Small Business</title> <link>https://dwadtms.info/3-sources-where-your-small-business-can-get-a-loan-today-yes-even-your-small-business,html</link> <comments>https://dwadtms.info/3-sources-where-your-small-business-can-get-a-loan-today-yes-even-your-small-business,html#comments</comments> <pubDate>Thu, 23 Feb 2023 18:18:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Small Business]]></category> <guid isPermaLink="false">http://dwadtms.info/?p=50</guid> <description><![CDATA[Now, when we talk about small business loans, we mean just that – small business loans. We are not talking about a $1 million loan to purchase some commercial real estate or $500,000 to buy some investment property. We are not talking about a $3 million credit line just to show capital on a balance [...]]]></description> <content:encoded><![CDATA[<p> Now, when we talk about small business loans, we mean just that – small business loans. We are not talking about a $1 million loan to purchase some commercial real estate or $500,000 to buy some investment property. We are not talking about a $3 million credit line just to show capital on a balance sheet. And, we are not talking about a $250,000 equipment loan for a regional construction company.We are talking about true small business credit – loans under $150,000. Capital amounts that the 22 million small businesses in this country could use at some point in time for working capital, to renovate their location, purchase inventory, marketing, meeting payroll, developing new products or to simply have the capital on hand to acquire and satisfy customers (what business is really about).But, we have heard ad nauseam that banks are just not lending to small businesses – claiming there is too much risk in smaller firms. So, many small companies are not even applying for credit anymore out of fear of being turned down. And, as a result, we are seeing small businesses not reach for or obtaining their full potential – essentially letting profitable opportunities slip by.However, just because banks don’t see the true value of small companies, that does not mean that others don’t – others who are willing to do what they can to fund your business.The Benefits Of Small BusinessThere are some 22 million small businesses in the U.S. and they are quite the power house.According to the Small Business and Entrepreneurship Council, small businesses;Provide two-thirds of all new jobs in the nation.<br />Contribute almost 50% to our Gross Domestic Product.<br />Account for 97.8% of all exports. And,<br />Create 16.5% more innovation than larger firms.All items that help make America the country that it is.But, if banks think these firms are too risky, that is OK, because given the entrepreneurial spirit in this country, other financing firms (lenders) are stepping up to cover the small business loans that banks and traditional lenders will not. So now, you don’t have to be afraid of being turned down anymore.3 Sources That Will Fund Your Small Business1) SBA Loans: Sure, SBA loans have to go through banks – which are not lending. However, banks might not be lending for their own loan portfolios but they are lending under the SBA’s programs.Did you know that over the last three years, the SBA has been growing the number and dollar amount of the under $150,000 loans they back – even given that banks (who originate these products) are not approving them?From the latest SBA data;In 2012, the SBA guaranteed 14,520 under $150,000 loans for a total loan amount of over $802 million. In 2014 (two years later), the SBA increase the number of these loans to 16,043 with a total volume of $955 million – with a down year in 2013.Part of this increase is the fact that the SBA has reduced or waived its fees on these smaller loans. From the SBA’s website:”The SBA determined to eliminate the fees on loans of $150,000 or less after conducting a review of the 7(a) Loan Program. As a result, a small business owner obtaining a $150,000 loan will save more than $2,500.”Bottom line – the SBA is actually doing what it can to fund small businesses in this country – including yours.Programs to look for:The 7(a) program offers nearly any business loan under the sun from working capital to commercial real estate.The CDC/504 program only focuses on real estate and equipment lending. But, if your business needs either one of these under the $150,000 amount – including renovating your location – then by all means as this is a great program.And, the express program – which is capped at $350,000 – is a great program. Quick and easy access to needed capital.Now, for some quick benefits of SBA loans. The SBA’s guarantee does several things:By capping interest rates and fees, these products tend to be cheaper in the long-run for the borrower.<br />Lower down payment requirements – meaning that you can keep more of your own money in your own business.<br />Long loan terms also allow payments on these facilities to be more affordable. Just image which loan payment would be easier to make on a $100,000 loan at 10% interest. A bank may require the loan to be repaid in 36 months – making the monthly payment $3,227. While the SBA could extend the term to 6 years (72 months) making their monthly payment $1,853. The lower the payment amount, the easier it is to cover with current cash flow, making the overall loan less risky and easier to get approved.<br />Express programs can significantly speed up funding as some traditional business loans can take months to close while those under the express programs can be funded in the matter of weeks.If you have been fearful of applying for a SBA loan, knock it off and go apply!2) Alternative Lending: Alternative loans (non-bank loans) from factoring and business cash advances to revenue based loans have really picked up steam over the last 5 plus years.These lenders are focused solely on small businesses and as such have created products that allow them to approve more loans to companies that traditional lenders will not touch – by not using old and outdated underwriting standards but by focusing more on technology.Most alternative lenders – especially the leaders in this space – have seen their loan volumes (thus their approval rates) – increase by 150% or more year after year.A couple of examples: According to the SBA, their largest lender – Wells Fargo – approved and funded just over $266 million in small business financing last year. However, OnDeck Capital, a leading revenue based lender, nearly doubled that amount over the same period. Further, CAN Capital claims to have funded over $800 million in 2013 – far out pacing even the top 100 SBA lenders combined.While these loans are high-cost loans, they offer several benefits like approvals when other lenders say “no” as well as quick (in the matter of days) funding.3) New Players: Peer-to-peer lending is know for its ability to match regular people who have extra money to lend with regular people who need to borrow. These loans are typically personal loans that can be used for nearly any purpose – like starting or growing a small business.However, just this year, Lending Club – the leader in P2P lending – has begun to offer a true small business loan product where businesses can borrower anywhere from $15,000 to $100,000 at low rates. And, their approval and funding is not based on some standard cookie cutter formula that most businesses just do not meet but comes from regular people who listen to your story and decide for themselves the merit of your financing request.ConclusionCapital for your business is still available.Don’t always believe what you hear. Sure, small business lending is tight – when compared to the hey days of the mid-2000s. But, that does not mean that you still cannot get the funding your small business needs to start, grow and succeed.To truly know if your company is qualified for business loan all you have to do is one thing – and that is to apply. But, if you don’t apply, you will never know for sure and then all you can do is reflect on how far your business COULD have gone. </p>]]></content:encoded> <wfw:commentRss>https://dwadtms.info/3-sources-where-your-small-business-can-get-a-loan-today-yes-even-your-small-business,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://dwadtms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://dwadtms.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://dwadtms.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://dwadtms.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://dwadtms.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://dwadtms.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://dwadtms.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://dwadtms.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://dwadtms.info/fear-and-greed-in-the-market,html</link> <comments>https://dwadtms.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://dwadtms.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://dwadtms.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://dwadtms.info/5-areas-where-interest-rates-matter,html</link> <comments>https://dwadtms.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://dwadtms.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://dwadtms.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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