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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>fzsgxms.info</title> <atom:link href="http://fzsgxms.info/feed" rel="self" type="application/rss+xml" /> <link>https://fzsgxms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 01:28:27 +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>The Facts About FHA And VA Home Loans & Refinancing</title> <link>https://fzsgxms.info/the-facts-about-fha-and-va-home-loans-refinancing,html</link> <comments>https://fzsgxms.info/the-facts-about-fha-and-va-home-loans-refinancing,html#comments</comments> <pubDate>Mon, 17 Apr 2023 21:40:01 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://fzsgxms.info/?p=67</guid> <description><![CDATA[Government-Backed Loans – Government loans refer to those loans that are guaranteed by one of two federal agencies. The two types of government loans are: Federal Housing Administration (FHA) loans, and Veterans Administration (VA) loans. The advantage of financing using FHA loans are that they are easier to qualify for and allow a borrower to [...]]]></description> <content:encoded><![CDATA[<p> Government-Backed Loans – Government loans refer to those loans that are guaranteed by one of two federal agencies. The two types of government loans are: Federal Housing Administration (FHA) loans, and Veterans Administration (VA) loans. The advantage of financing using FHA loans are that they are easier to qualify for and allow a borrower to finance more of the loan amount than non-government loans. Whereas with a Conforming loan a borrower may only be able to finance 80% of the loan amount, a FHA loan allows a borrower to finance 97% of the loan amount. FHA loans are recommended for those borrowers who are first-time buyers, have little money to put down, have a short credit history, or are having trouble qualifying for a Conforming loan. The two main advantages of financing using VA loans are that the VA allows borrowers to finance 100% of the loan amount, and that, the VA only requires proof of veteran status to qualify for the loan. The only drawback to government loans is that mortgage insurance is required at all loan to values (LTV), unlike Conventional and Jumbo loans where payment of mortgage insurance is determined by the amount of equity a borrower has in his home.VA Loan InformationVA loans are designed to provide assistance in purchasing a home for United States Veterans. A benefit of a VA loan is that you can purchase a home with no down payment. In addition, it is slightly easier to qualify for a Veterans Affair loan when compared to a regular loan.Many people for who actually qualify for a VA Loan are not aware of it.Who qualifies for a VA Loan?The following table shows what type of service (and for what duration is required in order to be eligible for a VA Loan:WartimeService during:WWII-09/16/40 to 07/25/47 Korean-06/27/50 to 01/31/55 Vietnam-08/05/64 to 05/07/75 Persian Gulf-8/2/90 to undetermined. You must have at least 90 days on active duty. Plus, you must have been discharged under other than dishonorable conditions. If you served less than the standard 90 days, you may be eligible if discharged for a service connected disability.PeacetimeService during periods:-07/26/47 to 06/26/50 & 02/01/55 to 08/04/64 & 05/08/75 to 08/01/90To qualify for a VA Loan, you must have served at least 181 days of continuous active duty. Plus, you must have been discharged under other than dishonorable conditions. If you served less than the standard 181 days, you may be eligible if discharged for a service connected disability.Other questions about VA Loans:1) Is the spouse or children of a veteran eligible?A spouse is eligible if the veteran died as a result of a service connected disability or died while on active duty. The children are not eligible. 2) Who makes the loans?Private lenders make the loans. However, the VA guarantee protects these lenders against loss. The guaranty will allow lenders to make loans without other requirements (for example, a down payment). 3) Can I get a VA loan if I have been foreclosed on in the past?Yes. The best way to find out how to qualify for this is to contact a mortgage specialist. They can give you advice on what you can do to ensure you can qualify for a loan.If you are considering a VA Loan, remember that there are still a variety of different mortgages. A mortgage broker can be a useful tool to help find the most appropriate mortgage for your purchase. If you plan on living in your home for a long period of time, you may want to consider the traditional fixed-rate 15- or 30-year loan. Another option is to choose an adjustable rate mortgage and consider refinancing again in a few years. Short-term mortgages include balloon mortgages and one-year adjustable rate mortgages. Simply click APPLY NOW [https://www.peakhomeloan.com/homepage.asp]and select ‘Home Refinance Loan’ or ‘Home Purchase Loan’ for Type of loan desired? for an answer.Is an FHA loan the best home loan for my situation?You have many decisions when choosing which type of loan is best for your situation. Is the FHA loan the best? What about a VA loan? When is a Conventional loan better than an FHA loan?A mortgage specialist can analyze your situation, and help you determine which loan is best for you. In many cases, there are other loans more beneficial than an FHA loan. Although in some situations, FHA loans are the best choice. Simply click APPLY NOW [https://www.peakhomeloan.com/homepage.asp]and select ‘Home Refinance Loan’ or ‘Home Purchase Loan’ for Type of loan desired? for an answer.About the FHA Loan program. With an FHA Loan, your home loan is insured by HUD. The FHA Program is designed to help give home buyers the opportunity to qualify for a mortgage, when they may not otherwise qualify. HUD assumes some of the risk on the loan. The requirements are not as high for an FHA loan as they are for Fannie Mae or Freddie Mac Loans. Plus, a borrower can purchase a home with only 3% down. In some cases a borrower can qualify for gift programs which allow them to purchase a home with no money out of pocket. There are a variety FHA loan programs that you can take advantage of. A mortgage specialist can give you advice as to which is best for you.If you already have an FHA loan , you may want to consider refinancing to take advantage of today’s low rates.Peak Home Loans is 100% FHA and VA friendly. If you require a government-backed loan, we will get one for you. Simply click APPLY NOW [https://www.peakhomeloan.com/homepage.asp]and select ‘Home Refinance Loan’ or ‘Home Purchase Loan’ for Type of loan desired? for an answer.Thank you, Peak Home Loans </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://fzsgxms.info/the-facts-about-fha-and-va-home-loans-refinancing,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Using Business Marketing Software to Make Money Online</title> <link>https://fzsgxms.info/using-business-marketing-software-to-make-money-online,html</link> <comments>https://fzsgxms.info/using-business-marketing-software-to-make-money-online,html#comments</comments> <pubDate>Sat, 01 Apr 2023 18:31:06 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Marketing Software]]></category> <guid isPermaLink="false">http://fzsgxms.info/?p=65</guid> <description><![CDATA[Many companies that have taken their business online are starting to discover how using business marketing software to make money online is a sound move. If you are looking to market your business, you are probably well aware of the fact that the strategies in the marketing world have grown quite complex. It is more [...]]]></description> <content:encoded><![CDATA[<p> Many companies that have taken their business online are starting to discover how using business marketing software to make money online is a sound move. If you are looking to market your business, you are probably well aware of the fact that the strategies in the marketing world have grown quite complex. It is more difficult than ever to find a winning marketing strategy that can actually be beneficial. However, if you use business marketing software, you are quite likely to experience a winning automation solution that can really bring in the profits!Marketing is an expensive endeavor. Many companies pay millions of dollars each year in order to market the various services and products that they have to offer to the world. However, by implementing the use of business marketing software, you can reduce the costs that are associated with this expense. Your business can finally improve your end to end operations when it comes to marketing and you can enjoy the luxury of achieving a higher return on your investments that are directly related to marketing. This is one of the most appealing aspects when it comes to using business marketing software to make money online.The landscape of the marketing world is changing at an extremely fast pace. By automating your business through business marketing software, your company can quickly evolve and respond to the marketing strategies that seem to shift and change consistently. This will allow you to improve the way that your business operates on a regular basis. While there are many traditional means of advertising that occur on a regular basis, such as direct mail, business fliers, and similar types of advertising, these methods are quickly being revamped and replaced with technologically advanced forms of marketing.These technologically advanced methods of advertising include that of website blogs, video blogs, pay per click, email marketing campaigns, article marketing campaigns, and similar types of virtual marketing. By using business marketing software, you can easily make money online because of the fact that this software will automate all of these processes. No longer are you burdened with the complication of creating your own content, establishing killer headlines, or worrying over the tracking system of your business marketing campaign, the software will do it all for you!By investing in business marketing software, you can easily increase the level of your response rates, and actually yield more profits as a result of this response rate. You will quickly have all of the tools that are needed in order to increase the overall efficiency of your company, as well as the continued effectiveness of your campaigns and all of the promotions while you actually reduce the overhead and other expenses that are commonly associated with marketing and simply operating a business in general.As you can see, there are many different benefits associated with business marketing software. This type of product can actually automate your business and help you to easily make money online. Are you ready to rake in the profits? Are you ready to make a go of your business? If so, research business marketing software as it can help you do just that! </p>]]></content:encoded> <wfw:commentRss>https://fzsgxms.info/using-business-marketing-software-to-make-money-online,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Increased Regulatory Scrutiny Contributes to Legal Outsourcing Boom</title> <link>https://fzsgxms.info/increased-regulatory-scrutiny-contributes-to-legal-outsourcing-boom,html</link> <comments>https://fzsgxms.info/increased-regulatory-scrutiny-contributes-to-legal-outsourcing-boom,html#comments</comments> <pubDate>Sat, 01 Apr 2023 07:32:33 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Regulatory Compliance]]></category> <guid isPermaLink="false">http://fzsgxms.info/?p=63</guid> <description><![CDATA[Following the global financial crisis, businesses are facing increased regulatory compliance pressures. To tighten regulatory oversight in the UK, the UK government restructured financial regulation and divided the Financial Services Authority (FSA) into two regulatory bodies — the Financial Conduct Authority and the Prudential Regulatory Authority. Across the pond, the US enacted the Dodd-Frank Wall [...]]]></description> <content:encoded><![CDATA[<p> Following the global financial crisis, businesses are facing increased regulatory compliance pressures. To tighten regulatory oversight in the UK, the UK government restructured financial regulation and divided the Financial Services Authority (FSA) into two regulatory bodies — the Financial Conduct Authority and the Prudential Regulatory Authority. Across the pond, the US enacted the Dodd-Frank Wall Street Reform and Consumer Protection Act, which changed the American financial regulatory environment and almost every part of the nation’s financial services industry. In the wake of these sweeping regulatory reforms, companies in regulated industries, such as finance and healthcare, must be hyper-diligent with their compliance programs.Today, industry regulators in the UK and US are aggressively investigating any allegations of corruption and bribery, particularly related to foreign jurisdictions. Subsequently, the number of investigations and litigations has increased significantly, and companies face heavy fines for noncompliance – and even risk criminal prosecution.When an investigation occurs, corporate legal departments often need to provide huge amounts of information to satisfy regulator requests. The traditional ways of gathering and collating this information and reviewing it for relevance are no longer feasible. Legal departments need to have the ability to review information quickly and cost effectively, so they can respond efficiently to regulatory notices.Law firms may not be the ideal choice to manage large volumes of information and data in a timely and cost-effective manner. Collecting and ESI processing, forensic analysis, storage, database management, hosting, and software configuration and maintenance are non-legal services that can be provided by non-legal specialists. Legal outsourcing providers (Legal Process Outsourcing) are better positioned to handle these tasks because they typically offer advanced technology and more focus on these skill sets, which are now essential for both litigation and regulatory investigations. Seasoned LPOs are geared up to provide exactly this type of predictability of costs and time lines for disclosure and can work to a fixed budget. This provides more certainty and allows clients to control costs particularly in complex investigations or litigation cases.At the same time, the courts are mandating a wider and deeper review of electronic documents in legal proceedings as well as an explanation of what steps parties have taken to recover potentially relevant e-documents. Again, LPOs are well-equipped to provide end-to-end data management, allowing clients to confidently outsource document management and review work in regulatory matters. Some clients are even setting up panels of LPOs and requiring their external law firms to work collaboratively with these LPOs to ensure that the potential cost savings are properly and appropriately realized.The global financial crisis has forced corporations to develop new strategies to cost-effectively and efficiently handle investigations and litigation. As more companies look to manage the associated costs and risks resulting from regulatory scrutiny, document review and e-discovery are likely to be growth areas for LPOs. </p>]]></content:encoded> <wfw:commentRss>https://fzsgxms.info/increased-regulatory-scrutiny-contributes-to-legal-outsourcing-boom,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Job of a Hospitality Manager – Financial Management</title> <link>https://fzsgxms.info/the-job-of-a-hospitality-manager-financial-management,html</link> <comments>https://fzsgxms.info/the-job-of-a-hospitality-manager-financial-management,html#comments</comments> <pubDate>Fri, 31 Mar 2023 21:25:21 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Management]]></category> <guid isPermaLink="false">http://fzsgxms.info/?p=61</guid> <description><![CDATA[When searching for hotel jobs near you, there is the possibility that you may stumble upon management positions in the hospitality industry. So what does a hotel manager do? What challenges do they face on a daily basis? What is the role of financial management? We will explore the various roles that make this one [...]]]></description> <content:encoded><![CDATA[<p> When searching for hotel jobs near you, there is the possibility that you may stumble upon management positions in the hospitality industry. So what does a hotel manager do? What challenges do they face on a daily basis? What is the role of financial management? We will explore the various roles that make this one of the more rewarding jobs in the world.Budget Analysis/ExecutionFor the purposes of this article, let’s start with the budget process for the hotel manager and work our way from there. Every year, a budget will be prepared in meticulous fashion by highlighting every general ledger account, which includes revenue and expenses. Your revenues are from sales of any kind, while the expenses are anything that costs the business money to provide a quality service to the guests. A budget will project everything for the upcoming year, with each revenue and expense tracked through general ledger accounts. For a hospitality manager to be effective, well, they will prepare an accurate budget! How is this done? The use of historical figures is important and an easy start. However, a manager will understand how upcoming events will impact the operations. For example, if the hotel sits on an oceanfront, a manager will be aware of the increase in room revenue during the summer months when families are more likely to vacation and stay in a hotel.How does a hospitality manager know if they are executing their budget effectively? This is achieved through a process known as variance analysis. The idea is to have as little variance as possible, meaning that a strong budget is being followed very closely with little deviation. Obviously, this is not always possible as market trends can affect occupancy in many ways. However, the general rule of thumb is that when revenue increases, expenses will most likely increase. The inverse should also be true; when occupancy is lower than expected, expenses need to trend in the same direction. This leads us into our next section: revenue management.Revenue ManagementIn the hospitality industry, there are various revenue streams that generate an income for a property. This includes the sales from rooms, conference spaces, food and beverage, and much more. As a hotel manager, it is extremely important to understand the impact of each operation and the overall effect they have on the total revenue. Simply stated, without occupancy, there is no money flowing into the property. The manager has a job of being very involved in the sales process by generating and following up on leads with the Director of Sales, ensuring the Revenue Manager is setting the best rates for the property, championing the quality of the food and beverage department, and keeping the calendar full in the conference room.Managing the ExpensesSo what expenses will you typically see in a hotel operation? Here’s the short answer: a bunch! Generally, one of the biggest expenses in the hospitality industry is salaries and wages. This is the cost of all the jobs in the hotel. Every hour worked is an expense that is incurred. This is why it is common practice for managers to decrease hours of the staff during the slower periods – remember what we said previously: when revenue decreases, so should your expenses. If a hotel pays its employees vacation time or sick time, it is normally in the salaries and wages as well.Another significant expense in the hospitality industry is supplies. These are the amenities that fill the hotel. If you’ve stayed in a hotel room, you can see the many supplies at work – toilet paper, linen, bathroom amenities, light bulbs, coffee amenities, water, snacks, and much more. How about the supplies used by a housekeeper – the cart, cleaning chemicals, uniforms, cleaning tools, etc. Hotels usually have contractual services that provide added amenities for guests. These include high definition premium cable, Wi-Fi, gardening/groundskeeping, newspaper subscriptions, in-room phones, etc. Let’s keep moving… what about the other expenses? Marketing/advertising for the property or jobs, maintenance material (for fixtures, furniture, and equipment), depreciation on major purchases/renovations, credit card sales expense (yes, merchants get a nice percentage every time a Front Desk Associate swipes a credit card) and the greatest expense of them all – taxes! OK, so this is quite a list. The point is this – by generating revenue, these expenses are much easier to handle! Also, an effective hotelier will find every way possible to lower all of these expenses. This is most definitely one of the fun parts of the job.Accounting ProcessesDoes the job sound challenging yet? Well the accountability of these funds is equally important as generating income and managing expenses. If you don’t like accounting, that’s OK! I can promise that you will learn it as each day passes at your job. Financial management includes the proper accounting of all transactions in the hotel. Each hotel has an internal or external accountant who will ensure that these transactions are recorded into the proper general ledger accounts. Usually, the most common method is through accrual basis accounting, where transactions are recorded in the month they are executed (as opposed to cash basis, where they are recorded once expensed). This allows for better tracking of the overall budget. As a hospitality manager, your job is to review and ensure the proper accounting of all funds in and out of the hotel. Wasn’t that easy enough?Fiscal OversightAnother important process in regards to financial management is ensuring the proper oversight of all monies in the hotel. For example, each hotel has a cash drawer that Front Desk Associates will use for cash paying guests as well as reimbursements for any kind. If you were the manager, you will definitely want to ensure there is proper oversight of these drawers so they can be in-balance at the end of the day. The PMS (Property Management System) will record all cash transactions and can be accessed at anytime.It is not uncommon for hotel managers to take on the job of randomly conducting surprise cash counts for the purpose of “showing” the staff that you are doing your job with the fiscal oversight process (and of course, handling any issues if the cash count is out of balance). Typically, theft isn’t a big issue in the hospitality industry, but it is always susceptible.How about the oversight of your purchasing processes? Put yourself in a hotel manager’s shoes for a second. There is the job of an employee in your hotel that buys all of the supplies previously mentioned at your property. Here’s how the process works: supplies are purchased, products or services are received and inspected, payment is processed (sometimes this occurs first), and the transaction is posted onto the books. Would you be happy with just one person handling this entire process? Meaning, they will buy stuff, go downstairs to receive it from the shipping company, and authorize the payment? The short answer is no. At a smaller hotel, this may be the only feasible option, which isn’t necessarily the worst thing. However, it is always preferred to have a separation of duties in the purchasing process. The person purchasing typically is not the one you want receiving the items, which is because there is the possibility for theft and it would be very difficult to track this as a manager. Some hotels will appoint Front Desk Associates or other members of the team to do the receiving agents for items ordered for housekeeping. This is a good example of strong fiscal oversight.In summation, financial management is an important part of a hospitality manager’s job. The beautiful thing about this subject is that it encompasses every position and all parts of the hotel operation. By learning financial management, you are in essence learning about everything that goes on at the property. That is a beautiful thing! </p>]]></content:encoded> <wfw:commentRss>https://fzsgxms.info/the-job-of-a-hospitality-manager-financial-management,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How Beauty, Health, and Wellness Businesses Can Use History to Impress and Attract Customers</title> <link>https://fzsgxms.info/how-beauty-health-and-wellness-businesses-can-use-history-to-impress-and-attract-customers,html</link> <comments>https://fzsgxms.info/how-beauty-health-and-wellness-businesses-can-use-history-to-impress-and-attract-customers,html#comments</comments> <pubDate>Fri, 31 Mar 2023 19:05:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Spa and Wellness]]></category> <guid isPermaLink="false">http://fzsgxms.info/?p=59</guid> <description><![CDATA[True story.Last February, I was having a “make-up lesson” at a wonderful cosmetics store in Salem, Massachusetts. The make-up artist (and store manager) naturally struck up a conversation by asking me what I did for a living.I explained that I worked with businesses in historical communities to incorporate history into their branding and marketing, and [...]]]></description> <content:encoded><![CDATA[<p> True story.Last February, I was having a “make-up lesson” at a wonderful cosmetics store in Salem, Massachusetts. The make-up artist (and store manager) naturally struck up a conversation by asking me what I did for a living.I explained that I worked with businesses in historical communities to incorporate history into their branding and marketing, and I also revealed that I was putting together a program for National Women’s History Month — which takes place every month in March. “I am a business owner and historian,” I continued.”That’s really interesting,” she said “but I don’t see how history could work here.”I immediately swung into action. “What do you know about the history of women’s cosmetics?” I asked her. After all, women have been using various potions and substances since ancient times – some of which we are rediscovering today, like mineral-based products.Make-up itself and standards of beauty have changed dramatically over the centuries as we see in portraits and, more recently, in photographs. Within the 20th century alone, think about make-up styles in the flapper era, in the silent and talk movies of the 1930s and 1940s, in the “domestic goddess” look of the 1950s, and the radical departures of the 1960s and 1970s. All of this history is fun to study, to question the meaning of, and to look at visually.As it turned out, my new friend the make-up artist had a personal passion about the history of women’s cosmetics. Perfect! I then made the following suggestions.• For the Women’s History Month program I was creating, I offered to let her give a talk on women’s cosmetics in eighteenth century America. Our theme was women retailers in eighteenth-century Salem, so her talk would fit right in. Her talk, business, and website would all be featured in marketing materials and social media communications.• On the day of her talk, which would take place at a popular Salem function hall, I suggested she could have a table with information, samples, members of her staff, etc. She also had 10% off postcards to give out to new customers.She was thrilled! These small actions would put her in front of new audiences AND give her the stature that comes from speaking knowledgeably about her industry’s history. She would also gain credibility as an active corporate citizen, which, in her case, as a new business in town, would do wonders.I suggested she could also write articles on the subject, publish a small book or Ebook, do a local cable show with a brief chat about make-up then and now and give live demonstrations, and the list goes on. Again, all of these actions would really set her apart from other make-up artists in a way that residents of a very historical region would notice.These ideas could also apply to skin care companies, hair salons, women’s clothing and accessory stores, jewelry boutiques – you name it!What about health and wellness businesses?Who else could benefit from this approach? Health clubs, spas, massage centers, and health care practices; chiropractors, acupuncturists, physical coaches, nutritionists, and other solo practitioners. Again, it’s a long list.Not only have standards of beauty changed over time, so have standards for women’s fitness, strength, and overall wellness. We have come a long way from the days of corsets, “women’s troubles” that were “evil” and never discussed, stress and anxiety that women were told existed only in our minds, and putting everyone else’s well being first to the detriment of our own.Today, we know so much more about nutrition, the benefits of exercise, non-Western remedies, the effects of stress, how connected our self-esteem is to our health and appearance, and that if we women take care of ourselves first we can more easily take care of others. Sometimes it’s helpful to look at how far we’ve come, and to celebrate where we are by renewing our commitment to beauty, health, and wellness – our own, and our customers’.More ideas to implementWomen’s History Month offers an annual opportunity to promote your beauty, health, or wellness business to women. Find out if your local historical society or museum is celebrating March. If they have no plans, offer to work with them to develop a program that’s a win for you and a win for them. You might consider collaborating with other woman-focused businesses in your community for a larger or multi-week event.Beyond March, think about ways in which you could insert your historical knowledge of your field into your historical society or museum’s lecture series or newsletter, publish your story in your local newspaper and on your website, create a fun “Did you know?” handout on your subject then and now. The possibilities are endless!This is an unusual marketing approach for beauty, health, and wellness businesses, but people who live in historical communities really are interested in history and they will appreciate your own interest.I truly believe that adopting some of these methods will position you and your business a cut above the rest! </p>]]></content:encoded> <wfw:commentRss>https://fzsgxms.info/how-beauty-health-and-wellness-businesses-can-use-history-to-impress-and-attract-customers,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Beauty-Mind-Body Weight Loss Connection</title> <link>https://fzsgxms.info/the-beauty-mind-body-weight-loss-connection,html</link> <comments>https://fzsgxms.info/the-beauty-mind-body-weight-loss-connection,html#comments</comments> <pubDate>Fri, 31 Mar 2023 17:19:46 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Mind Body Spirit]]></category> <guid isPermaLink="false">http://fzsgxms.info/?p=56</guid> <description><![CDATA[Do you mentally beat yourself up when you go off your diet?Battering your self-esteem commonly leads to a further falling off the rails. Thinking: “I blew it, I’m disgusted by the rolls of fat, why don’t I just give up now,” can lead to a downward diet spiral as quickly as chocolate melts in your [...]]]></description> <content:encoded><![CDATA[<p> Do you mentally beat yourself up when you go off your diet?Battering your self-esteem commonly leads to a further falling off the rails. Thinking: “I blew it, I’m disgusted by the rolls of fat, why don’t I just give up now,” can lead to a downward diet spiral as quickly as chocolate melts in your mouth.Negative thoughts have a way of snowballing, or should we say “butter-balling.”This type of resigned reaction could be a major factor to the obesity epidemic in America today.It might not even be at a conscious level.In fact, when you are feeling stuffed from a heavy first course, you might find yourself digging into dessert without even thinking about it. At a subconscious level, that fat feeling is driving you to keep up the figure sabotaging behavior.But what if you employed a little pre-emptive strategy of making yourself feel great before you eat. In fact, why not start at the beginning of your day?Instead of putting yourself together in the usual way, take a little extra effort to make sure you look and feel great as you leave the house.Some ‘Beauty-Mind-Body’ ideas to set your self-esteem meter up a notch to prepare for your day:• After your shower lovingly apply a favorite lotion to your skin.• Pat moisturizer on your face and blend in a delicate matter, the way beautiful models do in face cream commercials• Take time to fix your hair attractively• Apply a little eye makeup and blush to enhance your look• Notice any little wardrobe areas that need attention (lint, shoes that need polishing, stray threads, etc.)• Add a light fragrance that always boosts your mood• Pack some healthy snacksLook in the mirror and smile at the attractive front you are presenting to the world, and breathe in deeply as you recite some positive mantra to yourself.If you catch yourself frowning at any time during the day, replace it with a smile.What if the situation is frown-worthy? Tell yourself you have faith that you will handle it in the best possible manner. Be protective of your Beauty-Mind-Body state!By starting your day off on a positive note and maintaining it throughout your day, you will be sending powerful messages to your sub-conscious mind that you are a beautiful and worthy person.Some ideas to keep a positive spirit:• Listen to beautiful music or inspirational recordings during your commute and work breaks• Aim to have positive interactions with your associates• Rise above petty annoyances• See how many people you can make smile• Be kind and thoughtful, courteous and helpfulWhat other ways can you feed a Beauty-Mind-Body spirit?As you incorporate them more and more into your day, you will find that resisting unhealthy food choices becomes second nature.Before long, you will manifest the body you’ve dreamed of, and a more beautiful spirit to go with it! </p>]]></content:encoded> <wfw:commentRss>https://fzsgxms.info/the-beauty-mind-body-weight-loss-connection,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Travel and Hotels in Brazil</title> <link>https://fzsgxms.info/travel-and-hotels-in-brazil,html</link> <comments>https://fzsgxms.info/travel-and-hotels-in-brazil,html#comments</comments> <pubDate>Thu, 02 Feb 2023 05:14:03 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://fzsgxms.info/?p=54</guid> <description><![CDATA[Brazil is one of the biggest countries in South America and you can travel endlessly here. You can find a lot of travel deals and hotels in Brazil just by scouting around a bit. You can stay in hotels of all classes, sizes and categories. Since the country is very popular with tourists, accommodation is [...]]]></description> <content:encoded><![CDATA[<p> Brazil is one of the biggest countries in South America and you can travel endlessly here. You can find a lot of travel deals and hotels in Brazil just by scouting around a bit. You can stay in hotels of all classes, sizes and categories. Since the country is very popular with tourists, accommodation is easily found here, especially in cities.The most popular destinations in Brazil is Rio de Janeiro. During the carnival and Samba Parade, Rio comes to life. The other popular vacation spots are Copacabana and Ipanema Beaches. Tourists from all over the world come here to holiday on these beautiful pristine beaches. Even though the beaches are surrounded residential areas, you can find affordable luxury hotels in the vicinity. The service industry is highly guest oriented in Brazil and you receive world class service even in mid-priced hotels.While visiting Rio in spite of the carnival one must visit the Corcovado Mountain to witness the statue of Christ, The Redeemer. Other attractions include Sugar Loaf Mountain, Maracana Stadium and cruises on the Sepetiba bay. There are several tropical islands to visit to see exotic birds and other wildlife.Petropolis, Imperial Museum and Crystal Palace are all day trips and you can stay put in a single hotel while visiting these places.One easy way of seeing Brazil is to make hotel bookings as you advance your sight seeing trips and save on time and commute by doing that. Since accommodation is never a problem here you should make use of it in every single way. </p>]]></content:encoded> <wfw:commentRss>https://fzsgxms.info/travel-and-hotels-in-brazil,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Principle of Payday Loan – Learn How to Get Fast Cash in 45 Minutes</title> <link>https://fzsgxms.info/the-principle-of-payday-loan-learn-how-to-get-fast-cash-in-45-minutes,html</link> <comments>https://fzsgxms.info/the-principle-of-payday-loan-learn-how-to-get-fast-cash-in-45-minutes,html#comments</comments> <pubDate>Wed, 01 Feb 2023 18:35:33 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://fzsgxms.info/?p=52</guid> <description><![CDATA[Do you know that payday loan is not for every body? Do you know that payday loan is initiated to help people in urgent need for cash and not for luxury? Do you know that payday advance only gives out maximum of $1500 dollars? Do you know that payday advance is a short term loan [...]]]></description> <content:encoded><![CDATA[<p> Do you know that payday loan is not for every body? Do you know that payday loan is initiated to help people in urgent need for cash and not for luxury? Do you know that payday advance only gives out maximum of $1500 dollars? Do you know that payday advance is a short term loan with a loan period of 15 to 31 days? Do you know that only people above 18 years can apply for cash advance and get approved? Do you know that only people with a checking or a savings account can apply and get approval for payday loan? Do you know that payday loan is a high interest loan? Do you know that payday lenders will not approve your application if you apply with more than one company?If you have know the above fundamentals of cash advance, all you need to do to get fax less payday loan to get easy access to cash is to apply them to your application and get the cash you need as fast as possible. You can get cash transferred to your account in the next 1 hour if you follow the above principles.First, you must know that payday loan is not for every body and you must work your self fit for the loan service before you apply, if you don’t do that, your application will be decline. So if you need fax less payday loan, you need to make sure you have all it takes to apply and get approval before you venture into applying for fax less payday loan.Secondly, you need to know that payday loan is initiated to help people in urgent need for cash and not for luxury. The initiation of fax less payday loan makes it easier for borrowers to get fast cash to fix urgent financial needs. If you want to apply for payday loan, you have to make sure that the need for the cash is worth it before you apply for the loan package because payday loan is capable of indebting you if you can not pay back on the stipulated date. You also need to know that payday lenders are aiming at low income earners to make more profit because the longer you hold on to the loaned amount, the more money they make.Thirdly, if you need fast cash and you want to apply for fax less payday advance, you need to apply with a company that will credit your account without credit check and without fax, but you also need to know that payday loan only gives out $1500 dollars at the moment. If you need any amount more than $1500, you have to look for another form of loan service.Fourthly, you need to know that payday loan is a short term loan, the loan package only last a period of 15 to 31 days. This loan service is giving in advance to your pay check. Your pay day is the repayment date. Most times, you will pay back hassles free as lender will withdraw the loaned and amount and the interest directly from your bank after your payday.Fifth point, you need to know that only people with a checking or a saving account are eligible for the loan package because the loaned amount will be transferred directly to your account and the lenders will also withdraw the loaned amount and the interest from your account after your payday. Before you can get approval for this loan service, you account must be at least 3 to 6 month old and it must have a credible financial history.Sixth point, before you can apply for this loan service, you must be at least 18 years and above. If you are not up to 18 years, your application will be decline by lenders. So before you can apply for fax less payday advance service, you must be at least 18 years.Seventh point, you need to know that fax less payday advance is a high interest loan and if you want to apply for this loan service you must be careful so that you don’t pay exorbitant rate during repayment. If you want to apply for fax less payday advance, you need to apply with the company that will give you the most moderate interest rate package before you apply for their service. Payday advance is very enticing due to the quick cash service attached to the loan service, but if you want fax less payday loan service to get quick cash, you must also consider the interest package on the loaned amount before you apply for the loan service.Eighth point, you need to know that payday lender will not approve your application if you apply with more than one company at the same time. If you want to apply foe fax less payday loan for easy approval, you need to avoid multiple applications with more than one company. If you apply with more than one company at a time, your application will be decline in both companies. </p>]]></content:encoded> <wfw:commentRss>https://fzsgxms.info/the-principle-of-payday-loan-learn-how-to-get-fast-cash-in-45-minutes,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Designing Your Garden – What Makes a Good Garden?</title> <link>https://fzsgxms.info/designing-your-garden-what-makes-a-good-garden,html</link> <comments>https://fzsgxms.info/designing-your-garden-what-makes-a-good-garden,html#comments</comments> <pubDate>Wed, 01 Feb 2023 15:02:33 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://fzsgxms.info/?p=50</guid> <description><![CDATA[Garden design is a very personal thing and is often an expression of your personality. What I like you, you may not and vise versa. Some people like neat and tidy gardens where there are no surprises, others love the thrill of windy paths, lots of different plant material and not knowing what is around [...]]]></description> <content:encoded><![CDATA[<p> Garden design is a very personal thing and is often an expression of your personality. What I like you, you may not and vise versa. Some people like neat and tidy gardens where there are no surprises, others love the thrill of windy paths, lots of different plant material and not knowing what is around the corner. There are three main styles of gardens formal, semi formal and informal. They can then be divided into many types of gardens and that depends on what you would like. Garden design can be intimately tidied to the style of your house as in example of the grand french chateaux where the geometric patterns of the garden mimic the geometric construction of the house or it can have no connection to your house at all.Some people are lucky and have this innate gift of knowing how to design space, making it a pleasing place to be in. Others don’t have this gene and find it very difficult to visualise how the space will work. To create a good design it is important you understand that design is about managing space and people moving around it. The core of good garden design centres round patterns and the space within these patterns. By using geometrical shapes, circles, triangles, rectangles etc. you can achieve a unified feel to your garden. So you need to think about ground patterns and movement around your garden. Where would you like people to go? Ground patterns can be achieved with the use of bricks, paving and plant material such as cut grass etc.Formal gardens are symmetrical and geometrical and are strict in terms of repeating patterns and plant materials on either side. It is very controlled, plants are clipped, shaped, manipulated regularly and today is often suitable for small gardens like court yards. Urns, balustrades, stone, gravel paths, parterres, formal pools and framed views are all part of the formal garden. There are no surprises, you know what to expect.Informal designs are asymmetrical and not as regimented. Plant material is allowed to spill over the structural elements such as walls, steps and paths. Plant material is allowed to self-seed and wander around the garden. Informal garden design is softer, full of surprises thus you don’t know what to expect.And semi formal is the combination of the above two. Usually it is the built structures such as retaining walls, paths and steps that are formal and the informal element is the plant material which is allowed to spill over them, softening their hard outlines.Within these three types, there are many different styles of gardens to choose from such as contemporary, Japanese, Mediterranean, cottage, courtyard, kitchen garden or secret garden.Contemporary is a modern style that likes to reflect the surrounding but also use a wide range of plant material. Form and texture of foliage are as important as flowers. Hard landscaping is woven into geometrical shaped buildings; all of which flow into the wider landscape. Plants are used as focal points to highlight the architectural forms.Cottage was a late nineteenth-century ideal to return to the simple cottages of the country. They were planted with hardy bulbs, flowers, fruit bushes and herbs and vegetables. They were geometric, colours were harmonised and luxurious as plants grew well as they were heavily manured regularly.Mediterranean is not limited to one particular area but are defined according to hot summers and low rainfall. They encompass entertaining areas, shade, good views and dramatic shadows. Hot colourful plants are used and lots of lush green foliage plants to create a cool atmosphere. Plants need to be drought tolerant. Evergreen plants are popular because they cast shade on hot days. Walls are white washed to reflect the sun, pergolas built to create shade and use terracotta pots. There is often a water feature and water provides cooling vibes.Japanese gardens encompasses religion and Japan’s cultural history. Japanese gardens are very symbolic often the symbols relate to nature. Plants are ‘tamed’ and there is an emphasis on evergreen trees and shrubs. They are very controlled and often minimalist. True Japanese gardens are contemplative a place of meditation and great calm.PlanningIf you feel overwhelmed and don’t know where to start when designing your garden, I suggest you break it up into areas called rooms thus dividing one big space into several smaller spaces. For example: there is the front garden, the side garden and the back garden. Once you have decided where they begin and end you can then divide each of those areas up again. For example in the back garden you could have the entertaining area, the grass/children’s area, the utilities area (includes the compost heap and shed), the pool area and the vegetable/orchard area. Once you have defined the areas/rooms you can tackle one at a time, thus making a huge project into several smaller projects.The Three Planning StagesTo create an interesting and exciting garden there are 3 sets of plans (may be four if you need an engineer’s structural plans) you need to devise:- Site Analysis Plan, Concept Plan and Planting Plan, usually all drawn to scale.The First StepsTo design a garden that works there are several things you need to do before buying plants and planting them. If you follow these steps you are more likely to have a successful garden.Site AnalysisIt is important to make an inventory of the area you are designing. Things to include are:Levels – steep/flat<br />Aspect – North/south<br />Sun/shade<br />Sun Summer/Winter<br />Shadows<br />Existing trees and buildings<br />Wind<br />Views – good and bad<br />Soil conditions<br />Entrances – Front/back doors<br />Power lines<br />Underground cables and pipes<br />Clothes line<br />Fences<br />Sheds and garages<br />Paved and unpaved areas<br />Patio/BBQ<br />Lighting<br />Drainage – runoff of storm wateredOnce you have noted the above, it is time to draw up the space. You can draw it roughly (not to scale) but eventually you will have to draw it to scale. Start by measuring the area you are designing, draw it to scale ie. 1:100 and put all the above points onto your drawn plan. All these influences need to be drawn on paper, so that you can gauge any trends. For example there might be a paved path from the back door to the garage, but everyone takes a short cut across the lawn, creating a desire line. No – one uses the paved path. So perhaps pave the desire line and make it the official path.The next step is the concept plan and this is the plan where you put down you ideas. It can be as wild and as adventurous as you like. Forget cost, enjoy your creativity. This is the stage where you put down your dreams of what you have always wanted. Later on, you hip pocket will decide for you whether you can have them. Anything is possible, so don’t be shy, dream away. Again this can be roughly drawn or to scale, it is up to you.The third and final plan is the planting plan and it is preferable that it is drawn to scale as this allows you to know exactly how many plants you will need. It incorporates all the ideas you have decided upon and shows you how the finished garden is going to look. It is the road map which will guide you to building your new garden.There may be a fourth plan if your site is steep or you are having major elements built, as you may need the advice of an engineer.Points to ConsiderThink about your soil conditions, is it heavy clay or light and sandy? What plants will grow in these conditions? Are some areas boggy and some always dry?Sun conditionsThe sun is higher in the sky during spring and summer and shadows are shorter. Whereas in winter, the sun is lower in the sky and casts longer shadows. So a plant might be in full sun in summer and complete shade in winter. Can it tolerate this? Also think about the conditions the plants require. Are they full sun plants like roses or shade loving plants like azaleas?WindYou also need to think about wind direction. Which way does the prevailing wind come from? Screens and hedges are one way of managing this problem but what problems are they going to cause? Making the block feel narrow, casting shadows etc? It is important to know because some plants don’t like wind and it is no good putting the BBQ/entertainment area in an uncomfortable spot.ViewsViews out your window or from your garden are very important. Some are intrusive while others are desired. If you wish to block out flats/neighbours etc. you may need to put in a higher fence or a hedging screen of some kind. Or you may want to design your garden to enhance the view of the mountain, ocean etc.Utilities and Service LinesYou also need to be aware where your services and utilities are; things like clothesline, overhead power lines etc. If you damage the gas, telephone or electricity lines, you are liable to pay for their repair.Principles of Garden DesignTo create a well designed garden, it is important to put the right plant in the right position. This means considering the cultural requirements of the plant. For example putting a full sun plant such as rose into a shady position isn’t going to work, because the rose won’t be receiving the right amount of sunlight for it to grow. The idea of good garden design is to follow this philosophy, using the placement of plants to create mystery, tension and surprise by using tricks of the eye, colours and textures.Tension, mystery and surprise make a garden interesting. One way to create these is to use hedges, low walls, screens, paths, steps to make individual ‘garden rooms’ with tension points that captures your attention on the way. For example a narrow oblong garden can be made more interesting if you can’t see the back fence – that there is a feature (plant or statue etc.) that obscures the fence. It also becomes more interesting if the path way is narrow then opens up into another room. A winding path adds mystery to the garden if you can’t see what is around the corner. Surprise comes when you go around the corner and discover a focal point.A focal point is something like a seat/statue/water feature that leads your eye directly to it. For example – a pergola that has a statue at the end of it. The statue is the feature and is the reason why you look/walk to see it. Another example of a focal point is a pathway leading through a door that is open and shows a vista of the wider landscape.The success of the focal point can depend on the how successfully the ground patterns lead you there. If the paving encourages you along this path thus creating some tension and mystery, you are more likely to follow the path to see what’s there because you have become inquisitive. Narrow paths encourage you to walk quickly and not to dilly dally along the way, where as wide paths say stroll, take you time, look at the surrounding vegetation. A gentle curve can be negotiated at speed, but a tight curve can’t be so people slow down as there is risk involved. Paving is used as a directional tool says don’t walk that way, but walk this way. Edging bricks say don’t step over this – this is a boundary. Paving can also be used to reflect the ground plane of the house or other shapes in the garden.Long narrow gardens have a strong directional emphasis that needs to be broken up. Square plots are static. To solve these problems the space’s shape needs to be changed. A circular design distracts the eye from the straight lines of the boundary fence. You could also use a series of rectangles using the boundaries as part of the design.Another method is to turn the garden onto a 45 degree angle. A long diagonal line will immediately create a feeling of space. The paving near the house could be done on an angle and high light the diagonal line of the entire garden.Gardens with a dog-leg in them can utilise the bend by using tension, mystery and surprise to lead you around the corner to a focal point of some kind.Unified space is created by controlling the movement around the garden. It is the way areas are linked together by paths, bridges, pergolas, steps and terraces that determine whether a garden is successful. Careless placing can ruin the flow of the garden. If you wish to direct someone’s attention to a particular point then there must be a clear reason in the design for following this pathway.Ground levels are very important when designing a garden. If a slope is too steep to walk down safely, steps may be needed and if the entire block is on a slope, the whole area may need to be terraced. What material you use is also important. Steps should not be of slippery materials and gravel may wash away. The surfaces need to be flat otherwise they could be dangerous and people will not want to walk along them and instead they may create a desire lines.Levels help to create interest and ‘rooms’ in a garden because you move from one place to another by steps/paths/etc. Allow your levels to gently flow into one another and keep them simple. Don’t over decorate them. A slope up from the house will appear foreshortened whereas a slope down from the house will appear larger.Choosing Plant MaterialsThere are 3 types of gardens:- the plants man, the garden designer and the gardener’s (mix of the first two). The plants man gardens consist of lots of singular plantings, unconnected and often rare and difficult to source. The garden designer’s garden consists of plants that are tried and tested – they use plants that they know and how they perform. The gardener’s garden has learned that their favourite plants can be more effective if planted in a scheme.When choosing plants you must consider what the conditions are of your garden. There is no point putting alkaline tolerant plants in acid soil or vise versa. It won’t work! You need to think about what your plants you have chosen require moist soils, dry soils, shade, sun, well drained, boggy soils. If you do your research correctly and place your plants in the right position, you are well on the way to a successful garden.The height and spread of your plants also needs to be considered. Tall growing plants are placed at the back of the garden bed, graduating down to the low plants. Remember some plants send up flower spikes that may be much larger than the plant itself, so they need to be positioned according to their flower spike height. Some plants are bushy so don’t forget to leave sufficient room for them to spread. They may need annual pruning to keep them in check.ColourAnother trick in the designing tool bag is using colour. Colour is the sensation of illumination which is light. The way colours inter-react with each other depends on their position in colour wheel. Manipulating colour is great fun and can create all sorts of illusions. Colours are divided into 2 groups primary red, yellow, blue and secondary green, violet, orange. Secondary colours are made of combining two primary such as mixing blue and yellow together to create green. You can make a space look cold or create distance by using pale and brown colours. You can also make a space looker bigger than it really is by using warm colours such as oranges, reds or yellows. If you want to make a space look closer to you, again use warm colours. As reds, oranges or yellow are very busy colours to the eye, it is a good idea to intersperse white flowers or grey foliage plants to calm the visual scene down. White and grey also intensify blue and pale colours.One thing to remember about the Australia sun is that the best time to look at our gardens is in the late afternoon when the sunlight is not as strong. Our hot sun tends to fade our flowers colours and the glare at mid-day tends to wash the colour out.If you are feeling overwhelmed about designing your garden, divide your space up and take it slowly, completing one section at a time. Don’t start another part until you have finished the section you are working on and very soon you will have a beautiful garden. Remember gardens are ephemeral, it is a process that is for ever evolving. You never really finish. </p>]]></content:encoded> <wfw:commentRss>https://fzsgxms.info/designing-your-garden-what-makes-a-good-garden,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://fzsgxms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://fzsgxms.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://fzsgxms.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://fzsgxms.info/crypto-currency-vs-fiat-currency,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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