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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>jqobwms.info</title> <atom:link href="http://jqobwms.info/feed" rel="self" type="application/rss+xml" /> <link>https://jqobwms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 00:20:19 +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>5 Criteria to Select Travel Websites For Your Travel Planning</title> <link>https://jqobwms.info/5-criteria-to-select-travel-websites-for-your-travel-planning,html</link> <comments>https://jqobwms.info/5-criteria-to-select-travel-websites-for-your-travel-planning,html#comments</comments> <pubDate>Fri, 24 Feb 2023 11:40:30 +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://jqobwms.info/?p=61</guid> <description><![CDATA[With the world now becomes a global market place, travel is increasingly turning into the number one activity that people do on a regular basis. Equipped with rapid internet penetration at travel destinations around the world, people are making travel arrangement online.Websites such as priceline.com, travelocity.com and cheaptickets.com all of sudden attract high interest to [...]]]></description> <content:encoded><![CDATA[<p> With the world now becomes a global market place, travel is increasingly turning into the number one activity that people do on a regular basis. Equipped with rapid internet penetration at travel destinations around the world, people are making travel arrangement online.Websites such as priceline.com, travelocity.com and cheaptickets.com all of sudden attract high interest to savvy travelers who are looking to plan their travel at convenience.Besides the above three travel websites, there are numerous sites that specialize into different market niches.Like the old saying ‘don’t put all your eggs into the same basket,’ selecting one travel website for all your travel needs is unnecessary. You should find the best site that meets your objective. After all, competition is always good for customers.What question should you ask yourself before jumping into the one travel website? Here are a few criteria that you should consider when selecting travel websites:1. ObjectiveIf you take a step aback a little bit and ask yourself your current travel situation, you should be able to find out what the real goal is at that time.For example, if during holiday you unexpectedly receive news that one of your close relatives just passed away and you need to be there the fastest way possible, how do you make your travel arrangement?Would you still go to priceline.com and bid for the lowest fare – or hit for ticket at lastminute.com right away? Priceline.com specializes in the lowest fare on bidding situation, so it will take a certain while to get the best deal. However, if you go to lastminute.com, you will be able to get the lowest fare at the last minute.Under other circumstances, bidding through priceline.com can be more desirable than lastminute.com.Forget about purchasing directly from the airline company. It costs more for them to serve your purchase – customer support, advertising, maintenance and all the sales overhead are incurred to fulfil your purchase. This translates to higher ticket price for customers.On the other hand, travel websites acting as ticket middlemen purchased tickets at wholesale price. They are in competition with other travel websites to attract you to their websites. More competition translates to a better pocket for customers.2. CountryNext tip is about the country you are visiting. Each country has a specialized or national travel websites that cater to foreigners.For example, if you travel to the Great Britain or Paris, the national travel association offers unlimited entry pass to visit a multitude of attractions at one price. If don’t know about this offer and purchase tickets at a number of independent websites, you are guaranteed to spend more money, time and hassle.On other occasions, if you travel to unfamiliar developing countries where infrastructure is not as adequate, it is better to make your arrangement via a trusted national agency who has long been in business.3. TrustworthinessPurchasing online is essentially the same as purchasing offline. The difference is security and convenience. Now that you are aware of the convenience, I will explain about security.Online travel websites need to be secure and trustworthy. I am not talking about fraud only. From handling promotion, sales process to customer support, the company needs to be able to demonstrate its strength in doing business online.I would typically look for Better Business Bureau (BBB) sign, investigate how long they have been in business, what guarantee, terms and conditions that the company holds before landing on one travel website.Another indication is browsing through customer testimonials. Although they might be orchestrated, reading testimonials is a great way to understand the products and services of the company.4. SavingsFor budget-conscious customers, saving money on flight is definitely a win. The best advice is to plan your travel way in advance. Take advantage of pricing comparison websites or recurring promotions from each travel websites.However, if you are on a time or budget constraint, knowing what website to baseline from will be beneficial. Again depending on your situation, I would recommend you start with priceline.com and bid for the lowest price. In parallel, you would go to special niches websites such as lastminute.com to shop around for ticket pricing.For business flyers though, they are prepared to pay a higher fee for their ticket price. Business customers usually fly during weekdays and make last minute arrangements. The airline companies know this – that’s why last minute tickets are costly.5. UniquenessThe last important factor to select the best travel websites is how unique they are, compared with other websites.Some websites are more user-friendly and informative; some others are very clunky yet professional. Finding what makes each website ticks will play well in your decision.Availability of travel guide or blog is also crucial in my opinion. It shows that the company cares enough not only to sell the best priced tickets, but also the best total value experience.In conclusion, selecting travel websites that suit your particular travel situation is important. Due to a heightened competition, customers will find the best value to their dream travel experience. Taking the time to understand which website is good at which niche will be beneficial in both short and long run. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://jqobwms.info/5-criteria-to-select-travel-websites-for-your-travel-planning,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Pick the Best Online Health Care Degree</title> <link>https://jqobwms.info/how-to-pick-the-best-online-health-care-degree,html</link> <comments>https://jqobwms.info/how-to-pick-the-best-online-health-care-degree,html#comments</comments> <pubDate>Fri, 24 Feb 2023 10:32:18 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://jqobwms.info/?p=59</guid> <description><![CDATA[Health care is a booming industry that continuously needs skills workers and professional workforces to fulfill the job positions. If you are in the health care industry, the high demand in the industry can create a good opportunity for you to move your health care career to a high level, what you need is a [...]]]></description> <content:encoded><![CDATA[<p> Health care is a booming industry that continuously needs skills workers and professional workforces to fulfill the job positions. If you are in the health care industry, the high demand in the industry can create a good opportunity for you to move your health care career to a high level, what you need is a good health care degree that can meet your career goal. Pursuing your health care degree online is a good option that allowed you to continue your current job while study online to earn a health care degree for a brighter future. There are many online health care degree programs available, so how you are going to pick the best online health degree program out of the list?Before you pick the best online health care degree, you need to know what you want with the degree. Health Care industry covers a wide range of fields and each health care degree is designed to serve the need of each field. Alternative medicine, emergency management, psychology and life care planning are different careers in health care industry; there are many other fields in health care, which one is your target career? You need to make clear on your career direction before you decide which online health care to consider.Once you have made up your mind of your preference health care career, your next step is to select an appropriate online health care degree that can meet your career goal. Although searching your preference online degree program is easy and convenient using internet, but time and efforts are needed to find the best online degree program. Besides the need to beware about the potential diploma mills, you should also aware that the same degree program offered by different accredited online universities may carry difference courses. The best thing to get a further understanding about these degrees is requesting all the detail information from the related online universities. The good thing is information requests are free of charge; hence you should fully utilize the free service to get all information you need about your preference online health care degree and compare them against your career goal.The best online health care degree program should be offered by a reputable accredited online university. You want your degree carry the most value and well know by most employers in the health care industry because you will need it to help you in your health care career movement. In term of accreditation, you can always check your preference online universities with the accreditation database provided by CHEA.org. For reputation, you can check it against any complaints filed about your short listed universities at BBB.org.The best online health care degree should gives you the necessary hand on practical and other on job training that are needed for you to familiar with the necessary skills to implement your knowledge and apply it to your job. If the selected online health care degree required these lab and practical works, find out from the online university about their medical partners that near your location that will allow you to perform your practical training.In SummarySelecting the best online health care degree out of the bests is not an easy task. The bottom line is your best online health care degree may not be the best in the market, but it is the best for you because it can fulfill your requirement to achieve your health care career goal. </p>]]></content:encoded> <wfw:commentRss>https://jqobwms.info/how-to-pick-the-best-online-health-care-degree,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Current State of 21st Century Education Technology 2011-2012 – Paving a Road to Success</title> <link>https://jqobwms.info/the-current-state-of-21st-century-education-technology-2011-2012-paving-a-road-to-success,html</link> <comments>https://jqobwms.info/the-current-state-of-21st-century-education-technology-2011-2012-paving-a-road-to-success,html#comments</comments> <pubDate>Fri, 24 Feb 2023 07:43:10 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Education]]></category> <guid isPermaLink="false">http://jqobwms.info/?p=57</guid> <description><![CDATA[Remember filmstrips, movie reels, overhead projectors and transparencies? These are the “tech tools” that I remember from my school days. Not an interactive anything anywhere. It was simple. Teachers and professors had to decide between blackboards or overheads, black, blue or maybe green ink and that was about it.We’ve come a long way from those [...]]]></description> <content:encoded><![CDATA[<p> Remember filmstrips, movie reels, overhead projectors and transparencies? These are the “tech tools” that I remember from my school days. Not an interactive anything anywhere. It was simple. Teachers and professors had to decide between blackboards or overheads, black, blue or maybe green ink and that was about it.We’ve come a long way from those days, and in many cases new technologies have quickly replaced the old. There is however a wide variation on how advanced school districts are in terms of their education technology implementations. One thing is clear; no matter how limited resources are, all school districts have formed a set of goals around education technology. If we expect to reach any of these goals, we have to understand the underlying factors that can affect the character and complexity of a problem. These factors will in turn affect how we approach a particular problem and the solutions that are applied to reach our goals.From a 30,000 foot perspective, there are commonly three key components to an education technology solution; Hardware, Software and Training (the often forgotten, but many times most important component).In today’s education tech world, you will not get very far without the three vital components mentioned above. These are however, merely the tools that we will use in reaching our educational goals. If you were to place all of the best hardware, software and training materials in a room, they would not magically yield higher test scores, achievement and graduation rates all by themselves.You might think that what I’ll be saying next will have to do with people and how they can be the difference makers. This of course is true, but the actual focus should be on what these all important people are doing (and unfortunately in many cases not doing) in order to achieve our collective educational goals.Many of us have lost sight on the “education” in education technology. It’s right there in front of our eyes and we still manage forget that this is about properly educating students and enabling them to reach their fullest potential.The following list contains some of the most common pitfalls that we see on a day-to-day basis as education technology integrators. These are the processes and activities that have proven to be inefficient, ineffective or counterproductive to education technology goals.1. Having no goals to begin with – This situation is all too common. A school district is hard-set on implementing and/or upgrading their education technology resources, but nothing is tied back to curriculum goals. The purchase and installation of projectors, interactive whiteboards, response systems, classroom sound systems etc is not the implementation of a solution, it’s simply a purchase. Avoid asking yourself “now what?” once the smoke has cleared. Achieve this by creating a real implementation plan that is tied to long term educational goals and state standards. All of the best education technology hardware manufacturers have researched education requirements in detail and have designed their solutions accordingly in order to help schools reach these goals through the use of their products. Ask your technology provider questions related to your educational goals and only engage with those who understand your goals and can tell you how their products will help you reach them.2. Cookie cutter approach – Let’s outfit every classroom and every teacher with the same exact technology tools. And let’s not stop there, let’s do it all at once so everyone is happy and nobody feels left out. Makes sense – right? Well not exactly. Administrators and Tech Directors don’t want to hear grumblings about inequities or create an environment of haves and have not’s even for a short period of time. This would be disaster – or would it?One of the best examples I can think of is interactive whiteboards or IWB’s. These boards are incredible tools and can greatly enhance a learning environment when implemented properly, but the addition of this technology tool is not always a “no brainer” in all learning environments. Companies like SMART Technologies and Promethean may disagree, but in the end, if the educational goals of their customers are being met, it will be a win-win situation for all involved – especially the kids.This is a trend that is difficult to break. It is fairly easy to understand how this has come about since politics can many times trump logic.Learning activities can vary greatly from room to room and from subject to subject. The learning goals for math will likely vary greatly from the learning goals in science class versus foreign language classes. Science room environments may vary even further based on whether you are dealing with Physics, Chemistry or Biology.The variances can run even deeper based on other district based requirements, room arrangement or teaching style of an individual teacher.Taking a step back to do some real analysis and planning may help you and your schools get on a more accurate track in terms of matching technology tools to actual academic goals. To say that “we’ll figure that out later” adds to the risk that you will leave a critical requirement unaddressed.3. Making all decisions from the Top Down – Not that you would do this, but too many Tech Directors or IT Managers make district wide decisions without gathering any input from the end users of technology. In this case it is of course teachers that would help drive accurate requirements from the bottom up that would complement the decisions being made from above. This will no doubt take more time and effort, but in the end it will likely uncover more detail and accuracy to your requirements that will help minimize risk and decrease the chances that you’ll miss a requirement or waste time and money spent re-working your initial solution with an unplanned “Phase 2″ of your implementation.4. No Training or Professional Development (PD) Plan – You might be lucky enough to have a real go-getter on your staff that takes the ball and runs with it, creating your training program in the process. These self starters do exist, but you can’t count on training and PD taking care of itself. Full adoption and use of new technology tools requires planning AND management of the plan. If done correctly, your educational goals are met and everyone comes out looking and feeling like a champion.5. No metrics – How do you show that your plan has been successful? Part of proper planning is establishing a pre-determined method of measuring success via a set of well chosen metrics. Not everyone loves numbers by nature, but I’m betting that everyone will love them when they definitively show that planning and implementation has led to success.6. Buying solely on price – Hopefully you have not grown completely cynical when it comes to value. If you spend the time talking to your prospective sales people and service providers, you will see a wide range of offerings presented to you. If you want to do what’s best for your schools, you will spend some time calculating the true cost of a solution where the physical hardware is only one component. If you make your decision solely on the price of hardware, you might be doing a great disservice to yourself, your schools, your project team and your students. Some of the most important value differentiators will have to do with service, support, training and professional development. A quality solution provider will not only sell you the hardware, they will pro-actively support it. They will work with you consultatively and open an ongoing dialogue with you and your staff to assist in reaching your goals. Many providers have dedicated Education Consultants on staff that are familiar with state and federal education goals. This further enables you and your team to map education goals to the use of education technology tools in the classroom.7. Thinking your planned solution is “good enough” – This might apply when buying a car or home appliance when added cost is usually associated with “bells and whistles”, but a classroom is not about getting to point A to point B or how white your shirts can be. True adoption of education technology in a classroom can be a tricky goal to meet and adoption must come with real results like increased test scores and graduation rates. If you are heavily constrained by budget, I recommend creating the best solution possible and starting with one room. If you don’t have the funds to complete an entire room, do it in well thought out phases with guidance from your education technology integrator (remember that thing about added value? – A perfect example). If you continue this process over time, you will end up with quality learning environments in every room vs. a watered down “solution” in each room that yields no actual results.8. Thinking you are “done” – This relates directly to #7 above. It’s important to have a mindset of constant improvement. New and improved technology is constantly being developed. This can offer great opportunity, but it can also create confusion. In the ‘one room at a time’ scenario above, it would be of added benefit to re-evaluate your plan as time progresses. This will give you the ability to fine tune your solution over time. For this reason, it will be important to pay attention to feedback from end-users of technology enabled classrooms. There may be a new and improved technology available or you may have realized that you “over-bought” in a particular area and can then adjust your plan accordingly. Ideally, there will be no changes at all and simply a confirmation that your plans and system designs are sound. If you reach the end of an implementation and everything has gone according to plan, you are still far from being done. As with all technology, there are the elements of hardware maintenance, support and an ongoing training/professional development plan. If you have specific plans in place in all of these areas and actively manage to your goals, your chances for success will be greatly improved. </p>]]></content:encoded> <wfw:commentRss>https://jqobwms.info/the-current-state-of-21st-century-education-technology-2011-2012-paving-a-road-to-success,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Loans and Finance Explained</title> <link>https://jqobwms.info/loans-and-finance-explained,html</link> <comments>https://jqobwms.info/loans-and-finance-explained,html#comments</comments> <pubDate>Fri, 24 Feb 2023 06:22:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://jqobwms.info/?p=55</guid> <description><![CDATA[Secured LoansWhat is a Secured Loan and what are the risks?A Secured Loan is a loan secured on the homeowners property very much in the same way as a Mortgage is. A Mortgage on a property is known as the “1st Charge” – a Secured Loan therefore becomes the “2nd Charge.” If a Secured Loan [...]]]></description> <content:encoded><![CDATA[<p> Secured LoansWhat is a Secured Loan and what are the risks?A Secured Loan is a loan secured on the homeowners property very much in the same way as a Mortgage is. A Mortgage on a property is known as the “1st Charge” – a Secured Loan therefore becomes the “2nd Charge.” If a Secured Loan is never paid then obviously the Homeowners home is at risk. With the Mortgage company having the 1st charge they therefore reclaim their money first. A Secured Loan Lender would then follow as they are the 2nd charge. It is worth remembering that a Mortgage and Secured Loan Company would only ever repossess a property as a last resort.A Secured Loan is ideal for Homeowners who are looking to raise finance by using their home as security. Traditionally a Secured Loan can provide Homeowners with a lower APR than that of an Unsecured Loan. Obviously a Loan Lenders APR varies depending on the personal circumstances of the applicant. A Secured Loan can be used for a variety of purposes. The most common Secured Loan purposes are for Home Improvements and for Debt Consolidation.Home Improvement Secured LoanA loan that is secured on the applicants home address for the purpose of Home Improvements. The loan can be used for a new conservatory, renovations, extension or simply for double glazing. Almost any form of home improvements can be funded by a secured loan. You may find that some secured loan lenders will require proof of what you will be using the funds for. This can be provided by simply gaining a written quote from someone who you are looking to have the work done by. Chances are a Home Improvement Secured Loan will actually increase the value of your property so it will be money well invested.Debt Consolidation LoanA loan that is secured on the applicants home address for the purpose of Debt Consolidation. The loan is generally used to consolidate (pay off) all existing credit by putting it into one secured loan and this generally reduces the monthly payments and therefore frees up more of your monthly income to use for more exciting purposes than clearing credit cards, store cards, loans or hire purchases! Sometimes the only way in which the monthly payments can be reduced is by taking the Secured Loan over a longer period than what the existing credit is currently on. This can increase the amount in total that you will pay back but customers who take a Debt Consolidation Loan generally are more interested in the reduced monthly outgoing on credit.A Secured Loan can be used for other purposes besides Debt Consolidation and Home Improvements. They can also be used for a Car, Holiday or Wedding. Generally Secured Loan lenders do not raise finance for Business. For a Business Loan it may be a better route to contact your local Bank or Building Society.<br />Why would I want a Secured Loan instead of an Unsecured Loan?There are many reasons why.Repayment PeriodA Secured Loan can normally be taken over a longer period than that of an unsecured personal loan. Unsecured Loans can normally only be taken over a maximum of 7 or 10 years. Some Secured Loan Lenders will allow the applicant to take the finance over a 30 year period and most will allow the finance to be spread over 25 years worth of payments. Obviously by taking the loan over a longer period reduces the monthly payment to the applicant – although you must remember the longer you take the loan over the more interest you will pay.Loan AmountA Secured Loan amount can often be a lot higher than that of an unsecured personal loan. Secured Loans can be taken up to £100,000 – with some lenders even allowing applicants to borrow more. An unsecured loan lender will normally only lend up to £25,000 which sometimes just isn’t enough. We may surprise you with the amount you can actually borrow. Let Loan Machine do the hard work to find out.Poor CreditIf you have poor or adverse credit then the chances you have of getting an unsecured personal loan are very slim. Poor or adverse credit can include many things, CCJ’s (County Court Judgements), Defaults, Mortgage Arrears, IVA’s, VAR’s, Discharged Bankrupts and Missed Credit Payments. If you have any of these then your best route for gaining finance could well be via a Secured Loan. These don’t necessarily prevent you getting a Secured Loan – there are many lenders that will lend even if you have a combination of CCJs, Mortgage Arrears and Defaults. We may surprise you by finding a loan that you didn’t think you would be able to get. Let Loan Machine do the hard work.EquityEquity in your property will help you obtain a Secured Loan but that doesn’t mean you have to have equity to get a Secured Loan. Loan Machine has access to lenders that will lend finance above and beyond what your property is currently worth – although to do this you generally have to have a good credit rating. But what have you got to lose? We may surprise you by finding a loan that you didn’t think you would be able to get. Let Loan Machine do the hard work.Self EmployedSelf Employed people can often find it very difficult to raise finance. Secured Loan Lenders open the door to the Self Employed. They offer the ability to Self Certify your income. So even if you haven’t been self employed for long or you cannot prove your income via accounts then that does not mean you cannot get a loan. If you are Self Employed with bad credit or adverse credit you may think you cannot get a loan – this isn’t necessarily true. We may surprise you by finding a loan that you didn’t think you would be able to get. Let Loan Machine do the hard work.Low IncomeAlthough all lenders will only lend responsibly to people who can afford it, Secured Loan Lenders generally are more flexible in their criteria. Some Secured Loan lenders will let you use Disability Living Allowance, Incapacity Benefit, Working Family Tax Credit as well as many other incomes to fund a loan application. We may surprise you by finding a loan that you didn’t think you would be able to get.We set up http://www.Loan-Machine.co.uk do the hard work for you. </p>]]></content:encoded> <wfw:commentRss>https://jqobwms.info/loans-and-finance-explained,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Everything You Ever Needed to Know About Payday Loans But Were Afraid to Ask</title> <link>https://jqobwms.info/everything-you-ever-needed-to-know-about-payday-loans-but-were-afraid-to-ask,html</link> <comments>https://jqobwms.info/everything-you-ever-needed-to-know-about-payday-loans-but-were-afraid-to-ask,html#comments</comments> <pubDate>Fri, 24 Feb 2023 04:40:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://jqobwms.info/?p=53</guid> <description><![CDATA[A payday loan is a small short term loan you can use to cover expenditure until your next payday. You can apply online and the decision to loan you the money is made almost straight away. In most cases the whole application can be completed online and the money loaned can be credited into your [...]]]></description> <content:encoded><![CDATA[<p> A payday loan is a small short term loan you can use to cover expenditure until your next payday. You can apply online and the decision to loan you the money is made almost straight away. In most cases the whole application can be completed online and the money loaned can be credited into your bank account on the same day as you make your application.A payday loan is an unsecured loan, so it is not dependent on collateral, such as you owning a house or car etc.Generally when you make your first application you can borrow any amount up to £300, depending on your take home pay. You are more likely to be approved the less you want to borrow, so it is advisable to borrow only what you need. Once you have successfully repaid loans with one particular company they may then offer to lend you anything up to about £750 in subsequent loans.Payday loans can provide a useful solution for short term cash flow problems.Who can apply for a Payday loan?In order to be eligible for a payday loan you must be over 18 years old and in employment with a take home wage of at least £750 per month. You must also have a bank account with a valid debit card.Even if you have bad credit history you should still be able to obtain a payday loan as long as you fulfil the above criteria.How do you get a Payday loan?The majority of payday loans are available online, so there is no delay with faxing or posting of documents. The application process is quick and easy to complete. You will be asked for your name, address, details about your monthly income and employment, when your next payday is, along with the amount you wish to borrow and your bank account details.Once you have submitted your application you should hear back from the payday loan provider within minutes. They will email you with their decision to the email address you have registered with your application.Payday loan providers partly make their decision as whether to lend you money dependent on the amount you want to borrow compared to the amount you earn. Only borrow what you need, the less you borrow the more likely that your application will be accepted and the smaller the amount of interest you will accrue.If your application is successful you will be sent, by email, your loan agreement showing the amount that will be lent to you, the repayment date and the amount of interest you will pay on the repayment date. Along with the loan agreement you should also be sent loan conditions. These loan conditions should outline your rights under the Consumer Credit Act 1974 along with details about repaying the loan, cancelling the loan and the use the personal information you supply when applying for the payday loan.If you are happy to proceed you sign online by providing details of your name and answering a security question such as your mothers’ maiden name. Then, email this back to the loan provider and the money will be deposited into the bank account you registered at the application process. The money can be deposited in your bank account on the same day you make the application, so this is a very fast and efficient way of borrowing money short term.How do I repay the loan?You will need to repay the loan amount and the interest accrued on the repayment date as specified in the loan agreement. The repayment date is usually your payday, hence the name payday loan.The repayment will be collected by the loan provider by debiting the bank account you registered at the application process, which is the bank account into which you get your wages paid.Repayment over a longer periodPayday loans may be extended if you find yourself in a position to be unable to satisfy all or part of the amount due on the repayment date. If this happens it is recommended that you contact your payday loan provider as soon as possible and explain your circumstances to them. They will then be able to explain your options and how to go about extending your loan.Even if you are not able to fully settle the repayment amount, it is advisable to pay off as much as possible on the repayment date. This will help to keep the amount of interest you owe to a minimum. Some companies may charge you additional fees for extending your loan, you should check if this is the case before you sign your loan agreement.Regulation of Payday Loan CompaniesProperly regulated payday loan companies must adhere to strict laws governing the finance industry.As with any financial product you apply for it is always advisable to check that the company offering the loan is properly regulated. The payday loan company you are applying to should show its Consumer Credit Licence number within its loan conditions and it should also be authorised by the Office of Fair Trading. If you are in any doubt as to whether the payday loan company you are considering applying to is fully regulated then you are within your rights to contact either of these bodies for further information.As long as the payday loan company you are applying to is properly regulated, there will be a recognised body to make any complaints you may have to and you can be assured that you will not be subject to any unfair practices.What are the benefits of a Payday loan?FastOne of the main benefits of a payday loan is the speed at which the cash can be credited to you. The money you need can be available to you in your bank account on the same day that you make the application. This can provide valuable assistance if you have a short term cash flow problem and need money in an emergency.SimpleThe application process is very simple, it takes just minutes to apply for a payday loan and you do not have waste time posting or faxing documents to the payday loan provider, as you would with other more traditional high street loans.Poor Credit HistoryPayday loans are available to people with a poor credit history. This is because payday loan companies do not solely make their decision to lend based on a persons credit history. As long as you fulfil the application criteria you have a good chance of obtaining a payday loan. For many people a payday loan may be the only way they are able to obtain credit, especially in the current financial climate where the majority of lenders are unwilling to provide loans altogether, never mind to a person with a poor credit history.Use of the Loan MoneyYou do not have to tell the payday loan provider what you need the payday loan for. You can use the money for whatever you want. You may need money in an emergency which can not wait until payday for instance; emergency medical or dental treatment, to settle a bill quickly, extra spending money on holiday or even for a romantic weekend away. The choice is yours as long as you make the repayment due on the repayment date.No Upfront CostsThere are no upfront costs associated with a payday loan. You do not pay anything back until the repayment date you have agreed to in the loan agreement.Why does the APR appear high on payday loans?The APR applied to payday loans appears at first glance to be high. This is very misleading, but there is a simple reason why this figure looks so high. APR is an Annual Percentage Rate, and as such is calculated over a whole year (365 days). However, a payday loan is taken usually only over a number of days or weeks.The APR calculation was not designed to apply to very short term loans such as payday loans. It was designed to apply to long term loans in existence for a year or more. It is really a theoretical figure than enables people to compare similar longer term loan products, like mortgages or ongoing credit balances.Rather than relying on the APR rate it is more advisable to look directly at the loan agreement to see exactly how much interest you will be charged for the period of your payday loan. Some companies have a standard interest charge for the amount you wish to borrow regardless of the duration of the loan. It is then up to you to decide whether you will be able to repay both the cash advance you receive initially and the interest amount on the repayment date.To ConcludeMany people do not have savings or access to credit cards or more traditional loans and so the convenience of a regulated payday loan provides piece of mind should the occasion arise that they need some money quickly.If you need money in a hurry, can not wait until payday and are confident that you can make the necessary repayments on the repayment date, this could be the ideal solution for you.Overall, payday loans are convenient, easy to access and offer a viable option for people who require money quickly for whatever reason. </p>]]></content:encoded> <wfw:commentRss>https://jqobwms.info/everything-you-ever-needed-to-know-about-payday-loans-but-were-afraid-to-ask,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Small Business Struggling? Take a Pill, Dude!</title> <link>https://jqobwms.info/small-business-struggling-take-a-pill-dude,html</link> <comments>https://jqobwms.info/small-business-struggling-take-a-pill-dude,html#comments</comments> <pubDate>Thu, 23 Feb 2023 18:54:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Small Business]]></category> <guid isPermaLink="false">http://jqobwms.info/?p=50</guid> <description><![CDATA[Is your small business struggling in this recession economy? No problem. Very soon you will be able to pop a pill and rewire your brain so you think like the most successful entrepreneurs in the world. Imagine popping a pill and suddenly having Robert Kiyosaki or Guy Kawasaki in your brain. You’ll think like a [...]]]></description> <content:encoded><![CDATA[<p> Is your small business struggling in this recession economy? No problem. Very soon you will be able to pop a pill and rewire your brain so you think like the most successful entrepreneurs in the world. Imagine popping a pill and suddenly having Robert Kiyosaki or Guy Kawasaki in your brain. You’ll think like a business guru-no joke! Cambridge University scientists have announced that there may someday be an “entrepreneur pill” that will help people replicate the brain chemistry of the most successful small business owners. Would that be better business through chemistry?In the Meantime …Unfortunately the entrepreneur pill isn’t available quite yet. The bad news is that small business owners need it more than ever. Shrinking profits and dwindling customer traffic have many small business owners pulling their hair out. Luckily, they can take steps to gain a fresh perspective on their business, even if they can’t yet directly access the brain chemistry of small business guru.If your small business is struggling, here are five ways you get a fresh perspective on your small business.1. Give Your Business a MakeoverTo give your small business a makeover you need new ideas and help from some experts. While you may not be able to afford the pricey consultants who do makeovers on major corporations, you can benefit from their advice without paying a dime. Check out Small Business Makeover section on the CNNMoney website. There you’ll find makeover case studies on all kinds of small businesses from carpet-sellers to bath-and-body stores. If you’re offering your products or services online, you’ll be delighted with their Website Makeover section.2. Get Your Burning Questions AnsweredIf you want to get a direct answer to the burning questions you have about your small business, you can always submit it to the CNNMoney directly through their “Find Business Answers” form. There is no guarantee that your question will be selected to be answered, but there’s definitely no harm in trying. As a bonus, it still doesn’t cost you’re a dime. CNNMoney usually puts this form at the bottom of its articles. To locate one of these articles just Google for CNNMoney + “find business answers.”3. Access Online Training from the SBAThe Small Business Administration has recently begun offering a number of online courses on “Surviving in a Down Economy.” The new courses include:- Strategic Marketing: How to Win Customers in a Slowing Economy<br />- Down-Shifting in a Slowing Economy: Business Planning Guide<br />- Raise new capital / Refinance exisiting debt – How to Prepare a Loan Package<br />- Diversify with federal contracts – Business Opportunities: A Guide to Winning Federal Contracts4. Look for a Geographic CureIf you run a bricks-and-mortar business maybe you’re not located in the right place. To locate your business at the right place at the right time, check out the top 100 places to live and launch a small business by Fortune Small Business. These include the 7 tax-free havens for business (Wyoming, Nevada, Florida, Texas, Washington, New Hampshire and Tennessee) plus the six best towns where technology thrives (Bellevue, Portland, Boise, Blacksburg, Bethlehem, and Folsom). The list is nearly endless and may help you decide if it’s time to move your small business because the grass is greener on the other side of the state line.5. SCORE BigSCORE is a non-profit group of 11,200 retired executives who mentor small business owners across the country for free. According to their website, “SCORE offers free and confidential advice to small businesses: face-to-face counseling, online counseling, online workshops and more.” You can post your questions to their website and get an answer, usually within 48 hours. Best of all, SCORE is an unlimited resource. You can ask as many questions as you want plus access their huge library of small business resources.So what’s the bottom line for small business owners? While you may occasionally feel hopeless you are definitely not helpless. This list is just the tip of the iceberg in terms of the inexpensive resources at your disposable to keep your small business afloat. So until that entrepreneur pill hits the market, get going and get help.Have you been using any other small business resources that have proven very successful for you? I’d love to hear about them! </p>]]></content:encoded> <wfw:commentRss>https://jqobwms.info/small-business-struggling-take-a-pill-dude,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://jqobwms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://jqobwms.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://jqobwms.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://jqobwms.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://jqobwms.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://jqobwms.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://jqobwms.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://jqobwms.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://jqobwms.info/fear-and-greed-in-the-market,html</link> <comments>https://jqobwms.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://jqobwms.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://jqobwms.info/fear-and-greed-in-the-market,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>5 Areas Where Interest Rates Matter!</title> <link>https://jqobwms.info/5-areas-where-interest-rates-matter,html</link> <comments>https://jqobwms.info/5-areas-where-interest-rates-matter,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:32:13 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[buyer]]></category> <category><![CDATA[government]]></category> <category><![CDATA[politics]]></category> <category><![CDATA[pricing]]></category> <guid isPermaLink="false">http://jqobwms.info/?p=41</guid> <description><![CDATA[Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I [...]]]></description> <content:encoded><![CDATA[<p>Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I strongly believed, one benefits, by understanding, more about these, and how they affect, many things, in our lives! Whether, related to personal, organizational, and/ or, public finance/ spending, home ownership and related costs, credit – related issues, business matters, stock and bond pricing, etc, interest rates, truly, significantly, matter! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 of these areas, and how the cost – of – money, makes a significant difference.</p><p>1. Bond prices and interest rates: The price of a bond, generally, is inversely – related to interest rates! When these rates go down, prices, rise, and when they go up, the inverse occurs! Bonds have, what is known, as, a par – value, which is the price, paid, at the end of the term. Markets usually set these at 100, which represents $1,000 per bond, at maturity. However, during the period, the pricing can rise or fall, which impacts, liquidity – related issues!</p><p>2. Mortgage rates: For the last few years, we have been witnessing and experiencing, record – low, mortgage interest rates, which have helped the overall, real estate/ housing market, especially, in terms of, pricing increases! In most areas of this country, we are seeing, home prices, at their highest levels, ever, by a significant, dramatic amount! When this rate, is low, a home buyer is able to buy, more – house – for – his – bucks, because, his monthly payments, are so low! Consider, however, what might be the potential ramifications, and impacts, when these rates, will, inevitably, rise?</p><p>3. Consumer credit: Low costs of borrowing, help the automobile industry, in terms of consumer financing, etc! Although, not as much as other vehicles, rates on credit card debt, are lower, and there are often, shorter – term, promotions, offering deals! However, since, most of these are variable, and based, on some index, etc, what happens, when there is an increase, in this?</p><p>4. Business borrowing: Another area affected, is business cost of borrowing! Presently, they have had access, to relatively, cheap – money, which helps in reducing the costs of borrowing, overall operations, purchasing inventory, etc. But, what happens, when this, ticks – up?</p><p>5. Impacts on stock market prices: For some time, because bonds have paid so little, in terms of dividends, etc, many have considered, the stock market, the only game, in – town! In addition, many corporations, have seemed, better – off, than they probably are, and we have witnessed, a higher, ratio of prices to profits, than in the past! How long will this last? How high can it go?</p><p>Many factors impact these issues, especially: actual and/ or, perceived inflation; consumer confidence; politics/ government actions/ the Federal Reserve, etc. The more you know, and understand, hopefully, the better – prepared, you will be!</p>]]></content:encoded> <wfw:commentRss>https://jqobwms.info/5-areas-where-interest-rates-matter,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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