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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>heosdms.info</title> <atom:link href="http://heosdms.info/feed" rel="self" type="application/rss+xml" /> <link>https://heosdms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 00:18:46 +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>There is an excessive amount of traffic coming from your Region.</title> <link>https://heosdms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region,html</link> <comments>https://heosdms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region,html#comments</comments> <pubDate>Thu, 16 Mar 2023 07:58:53 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[fcacnms.info]]></category> <guid isPermaLink="false">http://heosdms.info/?p=63</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://heosdms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Travel Alert: What You Need to Know About Travel Safety and Security Risk Management</title> <link>https://heosdms.info/travel-alert-what-you-need-to-know-about-travel-safety-and-security-risk-management,html</link> <comments>https://heosdms.info/travel-alert-what-you-need-to-know-about-travel-safety-and-security-risk-management,html#comments</comments> <pubDate>Fri, 24 Feb 2023 11:25:27 +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://heosdms.info/?p=61</guid> <description><![CDATA[IntroductionIf you want to learn about managing the safety and security of your corporate travelers then you will need to read this report.Specifically we’ll discuss preparation, analysis, management, monitoring and response as it relates to an active and successful travel risk management program.After reading this article, you should know how to prevent or predict approximately [...]]]></description> <content:encoded><![CDATA[<p> IntroductionIf you want to learn about managing the safety and security of your corporate travelers then you will need to read this report.Specifically we’ll discuss preparation, analysis, management, monitoring and response as it relates to an active and successful travel risk management program.After reading this article, you should know how to prevent or predict approximately 90% to travel risks and act immediately to improve your own program.Implementing a successful travel risk management strategy can be one of the easiest corporate actions but the most difficult to get moving.Too much time is wasted focusing on the wrong areas for assessment and implementation, that results in minor coverage for the major areas of concern.Here we will simplify the process for immediate action or comparison.PreparationPreparation is the primary and key step for all programs, whether mature or developing. Any-and-all information that is collected, especially data, should be consolidated to ensure consistency and accuracy.Overcoming a “silo” mentally within the organization is also paramount to consolidating.Intent, progress and resolutions must be communicated to all stakeholders in the most effective medium possible.Managers should not limit themselves to the more traditional mediums but also include popular social media offerings.Key messages or content must be trackable or at least acknowledged to ensure potentially life saving information isn’t lost in the vast corporate email inbox or mislabeled as spam.Each major milestone and change needs to be documented, rated and followed channeled into the communication plan.Time spent on effective preparation is rarely wasted and will pay dividends, throughout the course of the program’s lifecycle.Example-PreparationA relatively small consulting firm, who understood that they had a significant investment in their consulting staff, was able to develop and implement an effective, world class travel risk management strategy in a matter of weeks.Through a well-structured phase of preparation and mapping they were able to resolve an issue that had consistently been pushed back because they had always assumed the task was insurmountable.AnalysisAnalysis of all key components associated with corporate travel must be conducted.TravelersThe first and most pivotal is the travelers themselves.A profile and rating of each traveler needs to be developed.Questions around health, experience, knowledge, function and even preparation are basic requirements for each travelers threat profile.With this information managers will be better positioned to make accurate assessments on the overall risk of any journey.LocationThe location visited is the second element.The threats vary greatly from location to location and generalized ratings are useless if based on such known vulnerabilities.Trips to a key, developed city warrant different planning considerations than that of a remote location in a developing economic country.Different cities within the same country may have vastly differing threat concerns too.ActivityNext is the activity to be undertaken by the traveler.A conference, factory tour, expedition or client meeting all have differing threats and planning considerations and are not adequately address by a “one-size-fits-all” approach.SupportAdditionally, the level of support afforded the traveler is considered.This is not only those organic support options such as internal support and providers but that of emergency services, infrastructure and so on.The time it takes for an ambulance to respond can turn a “routine” incident into a potentially fatal encounter.The assessment and access to support should be inclusive of routine and emergency situations.ThreatsLastly, all the known or prevailing threats need to be assessed.You can never know everything but an overall list and impact/potential outcomes assessment needs to be conducted to complete the process if consistent and measurable results are to be expected.Many threat factors may be seasonal or vary over the course of the month or traveler’s journey.Example-AnalysisDue to changing economic challenges, a mid-sized company was pressured to seek new business in developing countries and emerging markets.Until this point they had always been reluctant to venture into such markets due largely to their perception of risk.Following structured and less superficial analysis they were able to fully appreciate the actual threats and separate the more emotive elements.Following consultation with managers and travelers, they successfully expanded their market and sought new business with less competition as their competitors continue to lack the understanding and preparation to successfully pursue potentially lucrative opportunities.ManagementThe greatest threat to preparation and analysis is an unsupervised or unmanaged program once the traveler commences travel.Ownership must be displayed and active management of travelers from a door of departure until a door of return is required.This must be conducted with frequency of effort and communications to ensure the traveler feels supported and management is across the potential for change and intervention.This phase is a marathon and not a sprint.The management of successful programs requires consistency in conjunction with frequency.Relatively standardized approaches need to be applied to like situations/circumstances for the purpose of efficiency, productivity, safety and cost control.Demonstrable support is required both within the management group but to all identified stakeholders such as travel management, security, the traveler, families, etc.Example-ManagementA company with tens of thousands of traveling personnel successfully manages the risks and demands of travel with only a handful of people.Their system and support mechanism is adaptive enough to support individual requirements but automated enough to ensure efficiency by keeping headcount at optimal and minimal levels while leveraging technology.Their overall strategy is not managed by one department but all departments and stakeholders work in collective unison at each and every stage from departure up to return of the traveler to the office or their place of residence.MonitoringMonitoring represents the Achilles’ heel for the majority of travel risk management programs.Ongoing monitoring of events and activities is required, whether this is carried out by the traveler or higher support function such as HR or security.Tactical events (those that occur within proximity of the traveler/travelers route) should be scrutinized on a regular basis.These events are the ones most likely to cause disruption or harm and should constitute the priority of effort.Wider events or more strategic developments also need to be monitored for change that will impact the traveler or group of travelers.Tactical events include demonstrations, storms, violence and the like while strategic events include visa changes, political unrest, health crisis and so on.The actual journey taken by the traveler should be regularly reviewed or automated to report and respond disruption events and threats.Finally, the individual needs to be monitored outside of the usual performance and reporting requirement to ensure their health and well-being is preserved or unchanged.Example-MonitoringNumerous companies have averted crisis and maintained productivity by monitoring developing events.Changes in weather, strikes, airline delays and even public holidays can occur at short notice and outside of standard policy doctrine.By keeping “a finger on the pulse” with active monitoring these companies maximize their travel spending and ensure their travelers are highly productive and efficient.Less vigilant companies who leave the process to static policy and dated knowledge are forced to spend more or suffer unnecessary delays.ResponseBad things happen to good people all the time.No plan is complete without a response capacity in support of the affected traveler.The plan and steps must be painstakingly simple and clear so as to be remembered under the worst of situations.The plan must be adaptive and simple in implementation so that it can build in complexity and content after the initial activation or call for assistance.The plan may be infrequently called upon but it should have consistency in application and capability.All locations, activity, individuals and threats need to be considered and inclusive of the response plan.Above all, the plan needs to be timely in its application.A distressed, affected traveler or manager must get the support and collaboration required in the shortest possible time frame.While the planning and preparation may be measured in days, weeks or months the response should be valued in minutes and hours dependent on the need.Most companies acknowledge this is not their core competency and therefore part or all of this function is outsourced for maximum return and results.Example-ResponseA “seasoned traveler” from an acclaimed academic institution became unwell while traveling for work purposes.Despite years of experience and seniority at the institution they had in fact very little knowledge or experience when it came to emergencies or supporting medical services in the location they were when they became ill.As a result of poor choices, lack of knowledge, no support, limited integration coupled by a litany of local challenges the individual nearly died.It was only through the swift and successful actions of a concerned spouse, engaging a far more organized process with predictable results, did the individual receive the care and support required to save their life and begin the long recovery process.Conversely, one company experienced several similar incidents in a single month, however not once were their travelers placed at such grave risk, suffered uncontrolled costs or outright loss of productivity for long periods.This was all due to a successful and scalable response capacity if and when required.The Main Travel Safety and Security Threats-Locations and EventsThe majority of incidents negatively affecting travelers occur at airports, on the road, accommodation, office/business location, social/leisure locations or result of dynamic change.AirportsAirports must be included in any action plans or support strategies as it is first/last leg of all journeys and likely to present delays and disruptions ranging from flight delays to targeting by petty criminals.AccommodationAccommodation of all kind must be evaluation and included in timely response and advice communications.Road MovesRoad moves remain the most prevalent and greatest for deadly consequences. Motor vehicle accident rates vary wildly from country to country.LocationLocations of business activity within the journey plan represent the smallest of impact locations but demand inclusion.Social and Leisure ActivitiesOften forgotten with tragic results are social or leisure locations.This element is likely to be largely unscripted but has a high rate of incidents and events that negatively impact upon the traveler.ChangeThe one constant with travel is change.Elections, violent crimes, attacks an other major news events create change and potential for concern, whether affected directly or not.Planners and managers need to include this dynamic in the constant monitoring, response and communication plans.CloseMost agree that travel is inherently risky or laced with threats but far less actually do something about travel risk management as they don’t know where to start or see the task too daunting.As you can see, it is relatively straightforward to capture 90% of the problem and manage the risk in a few simple steps.With a methodical and consistent process inclusive of preparation, analysis, management, monitoring and response you too can have a world-class travel risk management program.Most events and concerns occur in and around airports, accommodation, road moves, office/business locations, change and social leisure locations.Now you know the key focus areas you have the information and plan to start now.Even if you already have a plan and strategy, you can benchmark your own approach with this information gathered from years of empirical data, thousands of incidents and insight from thousands of companies ranging from small startup to some of the largest multinationals around the globe.Travel alert and you truly travel safe. </p>]]></content:encoded> <wfw:commentRss>https://heosdms.info/travel-alert-what-you-need-to-know-about-travel-safety-and-security-risk-management,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Choose a Home Health Care Service</title> <link>https://heosdms.info/how-to-choose-a-home-health-care-service,html</link> <comments>https://heosdms.info/how-to-choose-a-home-health-care-service,html#comments</comments> <pubDate>Fri, 24 Feb 2023 10:16:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://heosdms.info/?p=59</guid> <description><![CDATA[Whether you need help recovering from an accident, surgery, or need long term care for a chronic illness or disability, home health care is often a viable option that has been gaining popularity, for a reason. Studies have shown that recovering at home is better for a patient’s physical and mental health. Today’s home health [...]]]></description> <content:encoded><![CDATA[<p> Whether you need help recovering from an accident, surgery, or need long term care for a chronic illness or disability, home health care is often a viable option that has been gaining popularity, for a reason. Studies have shown that recovering at home is better for a patient’s physical and mental health. Today’s home health care services can provide everything from help with errands and chores like cooking and cleaning, to skilled medical care from nurses and therapists. But with so many new home health care agencies popping up, how do you know which one to choose?Luckily, if you follow these basic guidelines, you can be confidant when choosing your home health care provider <img src='https://heosdms.info/wp-includes/images/smilies/icon_surprised.gif' alt=':o' class='wp-smiley' /> Check out the agency’s credentials.<br />Make sure the home health care service you choose is licensed in your state, is certified by Medicare, and is accredited by a governing agency such as The Joint Commission’s Home Care Accreditation Program.o Check out the caregivers’ credentials.<br />Besides looking for providers that are friendly and helpful, make sure you inquire about the caregivers’ professional training. Are they bonded and insured? Does the home health care service have a supervisor oversee the quality of the service? Also, ask for references for the caregivers themselves, and find out if the home health care agency screens their employees.o Clarify all billing issues.<br />The agency should be able to provide literature clearly explaining its fees and services. Make sure you know up front about co-pays, deductibles, and uncovered expenses. Ask if they offer any kind of financial assistance to those in need.o Be clear on what services you are getting.<br />Inquire about receiving a written plan detailing the services you will be receiving, so that there is no confusion. Make sure you know the specific services your home health caregiver will be providing, including any chores or housework. Also, find out what hours the home health care service provider has on-call help, in case of an emergency. A 24 hour hotline with someone on call is desirable and helpful.Finally, after your home health care plan is in place, monitor the services, making sure it is in line with what was actually discussed. By taking these steps you can assure that your home health care service will be beneficial to all. </p>]]></content:encoded> <wfw:commentRss>https://heosdms.info/how-to-choose-a-home-health-care-service,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Mortgage Loan Originator Licensing Education Requirement</title> <link>https://heosdms.info/mortgage-loan-originator-licensing-education-requirement,html</link> <comments>https://heosdms.info/mortgage-loan-originator-licensing-education-requirement,html#comments</comments> <pubDate>Fri, 24 Feb 2023 07:25:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Education]]></category> <guid isPermaLink="false">http://heosdms.info/?p=57</guid> <description><![CDATA[When the SAFE Act was passed by the US Congress in 2008, it mandated that all States require that Mortgage Loan Originators meet certain minimum requirements to obtain and maintain a Mortgage Loan Originator License. Once of those requirements was Education. The SAFE Act mandated 20 hours of Pre-License Education in order to obtain an [...]]]></description> <content:encoded><![CDATA[<p> When the SAFE Act was passed by the US Congress in 2008, it mandated that all States require that Mortgage Loan Originators meet certain minimum requirements to obtain and maintain a Mortgage Loan Originator License. Once of those requirements was Education. The SAFE Act mandated 20 hours of Pre-License Education in order to obtain an LO license and 8 hours of Continuing Education each year in order to maintain and renew an LO License. Over the next couple years, each state passed legislation to meet this federal education mandate and regulators worked with the Nationwide Mortgage Licensing System (NMLS) to implement this requirement.State-Specific Mortgage License Education<br />When the states passed legislation to meet this federal SAFE Act Education requirement, many of them decided to also require additional education above and beyond the minimum federal requirement of 20 hours of Pre-License Education and 8 hours of annual Continuing Education. Many states require anywhere from 1 to 15 hours of state-specific Pre-License Education and 1 to 3 hours of annual Continuing Education. And as more states have adopted the Uniform State Test (UST) in lieu of a state-specific NMLS Test, many of those same states have decided to recently add additional state-specific education requirements.Mortgage License Education Types<br />When the NMLS started working with the states to implement the LO License education requirements, they came up with 3 ways to meet the mortgage loan originator education requirement. Live, Webinar, and Online Instructor-Led. These three options were developed in order meet certain NMLS requirements that the mortgage education course be timed and that there be interaction between the instructor and the mortgage loan originator. The Live and Webinar versions clearly meet this requirement, but for the Online Instructor-Led Course to meet that requirement, but still give the LO the ability to work at their own pace, the NMLS along with the states created a requirement for the online mortgage education course to include questions and answers between the instructor and the Mortgage Loan Originator. The live course is generally only offered to large groups such as large companies that have many LOs that need mortgage licensing continuing education at the same time. Most mortgage education companies offer the Webinar option, but then the LO has to sit through the entire education course all at one time. So most Mortgage Loan Originators prefer the Online Instructor-Led Education Course. You can do it at your own pace and have much more flexibility. </p>]]></content:encoded> <wfw:commentRss>https://heosdms.info/mortgage-loan-originator-licensing-education-requirement,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Homeownership Improves Terms On Non-Home Loan Types</title> <link>https://heosdms.info/homeownership-improves-terms-on-non-home-loan-types,html</link> <comments>https://heosdms.info/homeownership-improves-terms-on-non-home-loan-types,html#comments</comments> <pubDate>Fri, 24 Feb 2023 06:07:36 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://heosdms.info/?p=55</guid> <description><![CDATA[Whether you want to apply for a car loan, student loan, home loan, home equity loan, business loan, or any other kind of loan, being a homeowner will guarantee you better terms on your loan. Homeownership has many consequences that affect variables that are considered by the lender when analyzing a loan request. These will [...]]]></description> <content:encoded><![CDATA[<p> Whether you want to apply for a car loan, student loan, home loan, home equity loan, business loan, or any other kind of loan, being a homeowner will guarantee you better terms on your loan.<br />Homeownership has many consequences that affect variables that are considered by the lender when analyzing a loan request. These will affect not only approval of your loan but also loan terms like the interest rates, loan length, monthly payments, fees and charges. Knowing these facts we’ll let you be in a better position when it comes to negotiating with lenders.”Home Loan” Loan Types These loan types include home mortgage loans and home equity loans and lines of credit. The first ones are loans that use a real estate property (house or apartment) as collateral for the loan. These loans usually carry low interest rates, long repayment programs of up to 30 years, higher loan amounts (enough to purchase the property) and also lower monthly payments.Home equity loans and lines of credit on the other hand, use the equity left on the home in order to guarantee the loan. Equity is the difference between the home value and the outstanding debt guaranteed by the property. These loans also carry low interest rates only slightly higher than regular home loans and long repayment programs of up to 15 years. The loan amount is generally determined by the available equity and the credit worthiness of the applicant. Other than that, these loans have similar advantageous terms to the loan conditions of mortgage loans. Non “Home Loan” Loan Types These loan types are all the other loans that are not guaranteed by a real estate property. The category includes car loans, student loans, unsecured loans of all kinds, and many other financial products both unsecured and secured with other assets. It may sound strange that a loan that is not specifically guaranteed by an asset would benefit from the existence of that asset, but truth is that assets represent a guarantee for the lender regardless of their use.Thus, homeowners can also get lower monthly payments, longer repayment programs, lower interest rates, higher loan amounts and many other benefits like lower fees and costs on insurance for these loan types as well as with real estate secured loans. Moreover, the costs of these loans for homeowners are significantly reduced to the point of matching the loan terms of secured loans even if they are unsecured loans.As you can see, being a homeowner has benefits even if you are not applying for a secured loan that will make use of a real estate asset as collateral.<br />And that’s why more and more homeowners are turning to unsecured loans: they get all the finance they need at very reasonable rates without risking repossession on their properties. </p>]]></content:encoded> <wfw:commentRss>https://heosdms.info/homeownership-improves-terms-on-non-home-loan-types,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Pros and Cons of Private Student Loans</title> <link>https://heosdms.info/the-pros-and-cons-of-private-student-loans,html</link> <comments>https://heosdms.info/the-pros-and-cons-of-private-student-loans,html#comments</comments> <pubDate>Fri, 24 Feb 2023 04:24:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://heosdms.info/?p=53</guid> <description><![CDATA[College students are often cautioned to avoid private loans unless absolutely necessary, urged instead to take advantage of all other financial aid options first.The advice is sound. Generally speaking, private student loans, which are offered by banks, credit unions, and other private lenders, don’t offer the same level of borrower protections and benefits that government [...]]]></description> <content:encoded><![CDATA[<p> College students are often cautioned to avoid private loans unless absolutely necessary, urged instead to take advantage of all other financial aid options first.The advice is sound. Generally speaking, private student loans, which are offered by banks, credit unions, and other private lenders, don’t offer the same level of borrower protections and benefits that government college loans do.As a student, you should seek out grants and scholarships first — money for college that you won’t have to repay — before taking on college loan debt. Then, if you’re still going to need college loans, you should, in general, make sure you’ve maximized all your available government loans before you consider taking out a private student loan.Interest Rates & Repayment OptionsFederal education loans have fixed interest rates and more flexible repayment terms than private loans. The Department of Education offers income-based repayment options that keep your monthly payments at a figure you can afford, repayment extensions to give you more time to repay, and loan deferments and forbearances that can temporarily postpone your college loan payments if you’re facing financial hardship.If you go to work in the public sector, you may also be eligible for the discharge of some or all of your government loan debts.With private student loans, on the other hand, your interest rate is almost always variable, and private lenders aren’t required to provide the kind of repayment flexibility that comes standard on federal college loans.The current foreclosure crisis that began mushrooming, in part, because of adjustable-rate mortgages should be enough to make anyone leery of adjustable-rate loans on anything.But it’s worth keeping in mind that when interest rates are low, as they are now, adjustable-rate private student loans can have a lower interest rate than their fixed-rate federal counterparts.If you have excellent credit, or if you have a parent or co-signer with excellent credit, you may qualify for the lowest-rate private college loans, which currently carry interest rates that are as much as 3-percent to 6-percent lower than the rates on federal student and parent loans.Interest rates are destined to rise as the economy continues to recover from the recession, so private loan rates won’t always be this low, but if you or your parents are in a position to pay that private student loan off relatively quickly, you may be able to save money over a government-issued college loan.<br /> <br />Covering Your College CostsSo why take out a private student loan at all?Private student loans are meant to “fill the gap” in college funding that may be left after you reach your federal student borrowing limits. In many cases, families find that scholarships and federal financial aid simply aren’t enough to cover the rising cost of college.Without private student loans, you may not be able to pay for college or continue your studies.Statistically, college graduates have a better chance of being gainfully employed than non-graduates do, and college graduates, on average, earn more money in their jobs than workers who don’t have a college degree. For you as a college student, better job and salary prospects may make the burden of a reasonable amount of private student loans easier to bear.Working With Private Student Loan LendersCollege loan companies aren’t deaf to the economic realities that college graduates are facing. Recently, some of the largest private student loan lenders have instituted new guidelines for the repayment and forgiveness of college loan debt.Wells Fargo and Sallie Mae, for example, both announced this year that they would begin discharging private student loans upon the death of the borrower. Beforehand, that debt was being left to the co-signer to repay.And as the recession and large swaths of unemployment among recent college graduates has led to higher rates of delinquency and default on college loans, some private lenders have shown a slight uptick in their willingness to work out modified repayment plans with troubled borrowers who are unable to repay their private student loans.Being a Smart Student BorrowerFor students who must turn to private education loans, it pays to shop around. Interest rates are always important, but they aren’t the only factor worth considering. Repayment policies, payment deferral options, default and late-payments penalties, interest-rate caps, and other terms may give some private student loan programs a clear advantage over others.Always be mindful of the total amount of your debt from all sources, school loans and otherwise, and aim to limit your reliance on college loans, both federal and private.The Department of Education’s National Student Loan Data System can help you track all your federal loan debt. Additionally, if you’re carrying debt from multiple federal college loans, the Education Department’s student loan debt consolidation program can help simplify the repayment process and may lower your monthly loan payments.As you begin to repay your school loans, make it a priority to pay off the higher-interest loans first.By taking advantage of college scholarships, using all your federal financial aid options, and minimizing the amount of debt you take on to pay for school, you can benefit from the careful and limited borrowing of private student loans to help pay for your college education. </p>]]></content:encoded> <wfw:commentRss>https://heosdms.info/the-pros-and-cons-of-private-student-loans,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Health Reform Changes Affecting Small Business</title> <link>https://heosdms.info/health-reform-changes-affecting-small-business,html</link> <comments>https://heosdms.info/health-reform-changes-affecting-small-business,html#comments</comments> <pubDate>Thu, 23 Feb 2023 18:42:18 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Small Business]]></category> <guid isPermaLink="false">http://heosdms.info/?p=50</guid> <description><![CDATA[“Don’t tax him. Don’t tax me. Tax the guy behind the tree”- attributed to Former Congressmen RostenkowskiOwners of small businesses and their workers could be severely impacted by the recently enacted health reform legislation. Some key provisions related to tax credits, new excise taxes, penalties, and some higher taxes, all of which depend on a [...]]]></description> <content:encoded><![CDATA[<p> “Don’t tax him. Don’t tax me. Tax the guy behind the tree”- attributed to Former Congressmen RostenkowskiOwners of small businesses and their workers could be severely impacted by the recently enacted health reform legislation. Some key provisions related to tax credits, new excise taxes, penalties, and some higher taxes, all of which depend on a number of factors such as number of full time employees in the business, average incomes of the employees etc. This article will provide you an overview of its significance to self employed taxpayers who have less than ten full time employees.Generally, the present Obama administration and Congress have noted that the new health reform proposals will provide better insurance for small businesses at a lower cost, which will create more jobs. However, there is also a lot of strongly negative feelings among the business community. Let me present some of the provisions so that you can judge for yourself and plan accordingly.Benefits to small businesses: Despite the negative press about the law, there really are some positive changes that will affect small businesses.<br />Small Business Exchanges: Small business will be able to pool their resources in state exchanges called “Shop exchanges” in order to buy insurance. Normally these exchanges apply to companies who have less than 100 employees by 2014;however, states have the option to limit access to these exchanges for companies of under 50 full time employees. Premium expectations are expected to reduce overall insurance costs by 1-4% per year for each employee, which is a very good provision under this plan.</p><p> Tax Credits for certain small employers who provide insurance. Generally, if you have fewer than 50 full-time employees, you don’t have to provide health insurance for your workers. However, if you do provide insurance, you might be eligible for a yummy tax credit, which is a dollar-for-dollar reduction in your taxes.<br />To be eligible for this credit, you have to have less than 25 full-time employees whose annual average earnings (not counting the owner) of no more than $50,000. For companies of 10 or fewer employees, you would be eligible for a 35% tax credit (which goes up to 50% after 2013) in later years, if your average full time equivalent wages are less than $25,000 per year. This credit begins in 2010 and goes till 2014. There is a second phase of the credit that small business would get up to 2016. Thus, qualifying small businesses can get this credit for up to six years.Sandy’s elaboration: This credit sounds great, but having it apply to small businesses (of no more than 10 full-time workers) and who average under $25,000 of wages will substantially reduce its applicability to most businesses. Estimates are that this will benefit about 7% of self employed businesses.<br />No more lifetime caps: For most health insurance, there is a $2,000,000 lifetime cap for usage. Starting immediately, these caps are to be removed. This could allow coverage for a number of small business folks who might have exceeded the cap.</p><p> No pre-existing conditions: starting in 2014, there will not be any pre-existing conditions. Thus, even if you have a major medical problem, you will be guaranteed to get health insurance. This is a great provision that will allow coverage for those small business folks and their employees who might not have been able to get insurance coverage.</p><p> Dependent children can be kept on parent’s insurance through age 26: Normally, kids who turn age 21 have to get their own insurance and can’t be kept on their parent’s insurance. This will be changed so that dependent children who are under age 27 can be kept on the parent’s insurance. This becomes effective on March 30, 2010. I should note that although dependents under age 27 can be added to the parent’s insurance e policy, there is no requirement that an employer add them to the policy.</p><p> Small Businesses are exempt from penalties for failing to provide health insurance: Generally only companies that have 50 or more full-time employees need to provide health insurance coverage or face penalties. However, since small businesses of under 50 full-time employees don’t need to provide any coverage, they are exempt from these “Pay or Play” penalties.<br />Sandy’s elaboration: If you have a business with 50 more more full-time employees, you are indeed required to provide health insurance.As you can see, there are some good provisions for both the business owner and for small businesses. Thus, why the strongly, negative comments from the business community? The reason is that there are a lot of congressional “gotchas” that affect everyone.Problems with the healh reform legislation<br />New taxes: There are a number of new taxes and costs that will beef up the overall insurance costs for small businesses. For example, there is an income tax increase starting in 2010 of between 5%-10% for those who make over $200,000 of adjusted gross income. In addition, Medicare has been increased for everyone by.9% for all employees and for the owner who make over $200,000 of adjusted gross income and is single. Married taxpayers filing joint returns have to make of $250,000 of adjusted gross earnings in order for this.9% Medicare surcharge to kick in. This may not sound like a lot, but, for someone earning $300,000 in salary, this could result in a $900 increase in Medicare taxes for each employee in that income bracket regardless of profitability of the business! In addition, if the adjusted gross income of the worker or the owner is over $200,000 ( for single taxpayers) or over $25,,000 (for married filing joint taxpayers), there will be a 3.8% Medicare surcharge on all of their interest, dividends, rents and royalties. This will also apply to dividends from S Corporations. So much for saving costs!</p><p> New excise taxes: In order to help pay for this new law, there are some additional excise taxes on many medical devices that ordinarily aren’t purchased by most people. Thus, there will be no excise taxes on glasses, hearing aids, and contact lenses. Most other devices, however, will probably have the excise taxes apply to them. In addition, there will be additional taxes on the health insurance companies, some insurance plans and pharmaceutical companies. You might wonder how these additional taxes apply to self employed taxpayers. The reason is that these additional costs will be passed through to everyone including the self employed.</p><p> Additional 40% excise tax on Cadillac health insurance: The new law places a whopping 40% excise tax on high-cost employer-sponsored health coverage, often referred to as “Cadillac” health plans. This tax applies to premiums that exceed $10,200 for single coverage and those that exceed $27,500 for family coverage. There are some increased thresholds for retired taxpayers who are age 55 and older and for those engaged in “high risk occupations.” Thus, if you want top notch expensive insurance coverage, you will pay a lot more to get it. This even assumes that an insurance company will even offer it at all.</p><p> Increased paperwork: Generally those who do provide insurance through the exchange for their workers will need to fill out some potentially new paperwork showing the name of the employee, the amount of premium paid the contribution by the employee, notification to the employee about the coverage etc.</p><p> Midsize to large companies much provide health insurance: If you have a company consisting of 50 or more full- time employees (part time will be counted on a fractional basis depending on their hours), you are required to provide medical insurance or face big penalties. However, this is required regardless of profitability. Think about this. This could result in a number of unprofitable or marginally profitable companies going broke, which could actually substantially reduce jobs. In addition, this would spur either the hiring of more part time at the cost of reducing the number of full time employees or increase the sucking sound of companies going to places like China or India. The result of all this would mean a lot less jobs.<br />Bottom Line: Although there are some great provisions in the new law such as waiving pre-existing conditions and lifetime benefit caps, the increased taxes and costs incurred for most small businesses will probably exceed the decrease in health premiums resulting in an overall increase in total health costs and taxes to self employed businesses. Thus, I don’t see any job creation resulting from this law. In fact, it may well cost a lot of jobs.P.S. Check out my free lesson on “How to write off all your medical expenses!” Free Lesson http://www.PocketbookProfessor.comBy Sandy Botkin CPA. Esq </p>]]></content:encoded> <wfw:commentRss>https://heosdms.info/health-reform-changes-affecting-small-business,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://heosdms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://heosdms.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://heosdms.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://heosdms.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://heosdms.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://heosdms.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://heosdms.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://heosdms.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://heosdms.info/fear-and-greed-in-the-market,html</link> <comments>https://heosdms.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://heosdms.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://heosdms.info/fear-and-greed-in-the-market,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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