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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>klmixms.info</title> <atom:link href="http://klmixms.info/feed" rel="self" type="application/rss+xml" /> <link>https://klmixms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 00:13:24 +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 Ways To Make Your Business Work Harder for You and Your Family</title> <link>https://klmixms.info/5-ways-to-make-your-business-work-harder-for-you-and-your-family,html</link> <comments>https://klmixms.info/5-ways-to-make-your-business-work-harder-for-you-and-your-family,html#comments</comments> <pubDate>Thu, 16 Mar 2023 07:29:04 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[geniesims.info]]></category> <guid isPermaLink="false">http://klmixms.info/?p=63</guid> <description><![CDATA[Many business owners are working so hard at their business that they fail to enjoy the rewards of being the business owner. If you are letting the life of your business overrule the business of living your life, then it is time to begin turning the tides.Finding ways to make your business work harder for [...]]]></description> <content:encoded><![CDATA[<p> Many business owners are working so hard at their business that they fail to enjoy the rewards of being the business owner. If you are letting the life of your business overrule the business of living your life, then it is time to begin turning the tides.Finding ways to make your business work harder for you and your family is the reason we all started our businesses in the first place. If your business is obstructing your efforts to enjoy life with friends and family, this is a problem. We all know a lot of work goes into building a successful business, but if it is consuming all your time, effort and energy… is it worth it?Why this coordination is important:Every time you find new ways to help your family benefit from the efforts of your business, your life balance and family life improves.If your business consumes your entire life and your family life suffers because of it, your spouse and children may actually resent the time that you spend there. Even if it provides a great deal of income, the value of family and social life may be sacrificed.Make your business help you, your family and your social life. You will be happier, healthier and live a longer more rewarding life.5 Ways To Consider:Consider paying children’s education expenses as wages for workMany small business owners make a good living and have higher than average incomes. This can cause their family to qualify for little to no college financial aid when their children are ready to attend college.If you are going to have to pay for it anyway, why not pay your children to help out at your small business. Pay them as an employee, contractor or consultant to do work for you and your business.If you pay them enough to cover their college costs, you will receive a tax deduction for the cost of their college education by deducting their income from your business. They will be responsible for helping out with your business and they may surprise you with how much value they add to the business. New ideas, new technology, a new and different viewpoint might be just what your business needs.Schedule family vacations around business travelWhen a family vacation is something you’re considering, think about coordinating it around a work trip. Do you need to go to conventions, trade shows, seminars or other training for work? If you drive to go to those business activities, your gas mileage is tax-deductible regardless of how many individuals you have in the car with you. Does this conference or training trip require you to stay in a hotel? Your hotel expenses for that night can also be deductible regardless of whether you have your family with you in the room.Scheduling family vacations around business travel can help make it more manageable. This allows you to enjoy time with your family or friends while also working on your business. Consult with your spouse or family to coordinate the two.Manage taxable income and year-end purchases to lower tax bracketOperating and owning a business requires seeing the big picture and planning for the future. Your business will likely need new or updated equipment, computers, other technologies etc. to operate smoothly and efficiently. Be able to forecast these needs.Here is where you coordinate your tax situation with these needs. If you know you are in need of new equipment, computers, etc. in the near future, look at your taxes. If you are looking at a higher tax bracket for the year you may want to make these necessary equipment purchases sooner than expected. Or you may want to wait until next year. This requires consulting with your business advisor to determine the best option.Use Retirement PlansConsider reducing your current income by using a Retirement Plan. Not only will this help you once again for tax purposes, but it’s also helping you and your families future. So many small business owners neglect to put retirement needs on their priority list. Often we hear “my business is my retirement plan.” Putting all of your eggs into one basket can be extremely risky and even dangerous for your future.You may want to consider adjusting your salary in order to account for contributing to a retirement plan. There are many ways to rearrange things to make it possible to contribute. The tax savings alone can help justify the redirecting of your income into a retirement plan. Be sure to look at all of the different options and scenarios as this will provide further clarity.Also if you choose to offer your employees a retirement plan, this will help attract quality employees, retain them and allow for an additional tax savings for any company match. You may even be able to take a few days off without worrying about the business functioning without you! Think of how that would allow you more family time. Consult with your financial advisor to clarify your options and the benefits to you, your business and your family.Consider adding or using a home office arrangementThere are many benefits of utilizing a home office arrangement for you, your business and especially your family. If you’re currently renting or paying for office space it may be feasible to create or use an office space at home. With technology today, working out of the house has become much more functional.If you’re solely stationed out of your home, this provides for another tax benefit. You are able to write off the portion of your mortgage that accounts for the square footage of your home office. Also any improvement expenses, internet expenses, utility expenses or taxes that are directly related to your home office may also be deductions. Finding ways to cut taxes is crucial for a small business owner.If your line of work makes it unable to be based completely out of your house, even just working a day or two from home will allow you to spend more time around your family and add some flexibility to your work schedule.Your Challenge:Here are 5 ways to help your business work hard for you and your family. Share your ideas with your spouse, children and business advisers. In every case that we have executed these strategies properly, the rewards were three-fold. Family life improved, your work-life balance improved, and the business also benefited.You’ve worked too hard to get your business to where it’s at… It’s time your business returned the favor! </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://klmixms.info/5-ways-to-make-your-business-work-harder-for-you-and-your-family,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>7 Best Online Travel Communities</title> <link>https://klmixms.info/7-best-online-travel-communities,html</link> <comments>https://klmixms.info/7-best-online-travel-communities,html#comments</comments> <pubDate>Fri, 24 Feb 2023 11:37:01 +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://klmixms.info/?p=61</guid> <description><![CDATA[True, Tripadvisor, Frommer’s and the Lonely Planet are some of the best online travel communities going, but they’re far from the only ones amongst the greats. So go on, expand your travel community horizons and check out our 7 Best Off The Radar Travel Communities:1. Travelistic From YouTube to Hulu to Yahoo, were a video [...]]]></description> <content:encoded><![CDATA[<p> True, Tripadvisor, Frommer’s and the Lonely Planet are some of the best online travel communities going, but they’re far from the only ones amongst the greats. So go on, expand your travel community horizons and check out our 7 Best Off The Radar Travel Communities:1. Travelistic From YouTube to Hulu to Yahoo, were a video obsessed bunch. Travelistic has cleverly taken this to head and created a travel community wholly centred around video.Log on and you’ll find over 10,000 user submitted travel videos, to view, comment on and inspire your future travels. Want to visit the Great Wall? Journey to the top of Everest? You can do it all on Travelistic, without ever leaving home.2. Igougo A masterful all in one travel community, where you can plan your trip, compare flights and hotels and share your travel experiences with the world.Just type in a destination and you’ll be instantly connected to a plethora of photos, reviews and users who have traveled or reside there. When you’re ready to go, create your very own trip journal and give back to the community by sharing your own travel experiences.3. Trip It Less of a travel community and more a travel service, Trip It is perfect for the organization nut in all of us. Just enter your flights, hotel stays and destinations and let trip it create an optimized travel itinerary for you in seconds. Never miss another plane or train again.For those who truly want it all, upgrade to the pro version and Trip It will automatically alert you if there are changes or delays in your travel plans. That means less time at the airport, and more time at the beach.4. Dopplr Create a map with the dates and location of your travels; share it with the Dopplr community, check out other’s maps, then meet up with those whose travel plans overlap with your own. If you’d like to keep your location a secret from some (mom, dad, a raging x), don’t worry, you can control who can and can’t see where you are.Along the way you’ll get a wealth of location specific travel information, so you’ll always know where to stay, where to eat, and what to do. Taking the thinking out of traveling, we like that.5. Travbuddy Travbuddy’s got all the ingredients that make for a killer online travel community; helpful forums, honest reviews, stunning travel photos and a dedicated membership 1.5 million strong.Travbuddy ups the ante by giving you your very trip blog, allowing you to easily post your stories, pictures and reviews as you go. There’s even a built in mapping feature that builds a map of your travels as you venture across the earth.Wherever, you’re headed, this is one buddy you don’t want to leave behind.6.Travellers Point Besides being a great place to plan, book and share your next trip, Travellers Point has hands down one of the best travel resources on the web; wiki travel guides.These 100% user created and edited travel guides, give you the collective wisdom and travel experiences of over 250,000 members, right at your finger tips. From country and city guides, to travel health and safety information, you’ll find everything you need to get in the know, before you go.7. Travel DODO Travel DODO takes travel reviews and puts them into a fun, easily digestible format, Travel Do’s, and Travel Don’ts.Want to find out which restaurants, hotels and attractions are best avoided in France? Just click on the location on the interactive map, and you’ll be given a list of places to cross off your list (travel don’ts), so you spend your valuable vacation time wiser.Frankly, you’d be a DODO, not to check up here before you GOGO.-Sam </p>]]></content:encoded> <wfw:commentRss>https://klmixms.info/7-best-online-travel-communities,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Managing Health Care</title> <link>https://klmixms.info/managing-health-care,html</link> <comments>https://klmixms.info/managing-health-care,html#comments</comments> <pubDate>Fri, 24 Feb 2023 10:28:49 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://klmixms.info/?p=59</guid> <description><![CDATA[A major theme throughout this text is that you can control many factors that influence your health. An outgrowth of this attitude is the self-care movement, which is the trend toward individuals taking increased responsibility for prevention or management of certain health conditions. Armed with correct information, you can manage many aspects of your health [...]]]></description> <content:encoded><![CDATA[<p> A major theme throughout this text is that you can control many factors that influence your health. An outgrowth of this attitude is the self-care movement, which is the trend toward individuals taking increased responsibility for prevention or management of certain health conditions. Armed with correct information, you can manage many aspects of your health care that were once thought possible only with the help of a physician.Answers to the following questions provide clues to the use of health-care services, providers, and products and facilitate the self-care approach to wellness:When should you seek health care?What can you expect from a stay in the hospital?How can you select a health-care professional?When To Seek Health CareMany people tend to fall into two extreme groups regarding health care: those who seek health care for every ache and pain and those who avoid health care unless experiencing extreme pain. Both groups unwisely use the health-care establishment. Those in the first group fail to understand that too much health care can be ineffective or even harmful. They also fail to recognize the powerful recuperative powers of the body. An estimated 80% of patients who seek medical care are unaffected by treatment, 10% get better, and 9% experience an nitrogen condition in which they get worse because of the medical treatment. Those in the latter group fail to recognize the value of early diagnosis and detection of disease. This is especially true for men; 30% of men have not been to a doctor in a year or more, one-third have never had their cholesterol checked, and three fourths have not been checked for prostate cancer during the previous year.Perhaps the best way to find a balance between too much and too little health care is to establish a physician-patient relationship with a general practitioner. The general practitioner may be a family practice physician or an internist who specializes in internal medicine.It is important to visit your doctor while in good health. This permits your doctor to serve as a facilitator of wellness and provides a benchmark for interpreting symptoms when they occur.A second important way to balance health care is to trust your instincts. Nobody knows when some thing is wrong with your body better than you do. Health and illness are subject to a wide variation in interpretation. If you are attuned to your body, you are your own best expert for recognizing signs and symptoms of illness.Several signs and symptoms warrant medical attention without question. Internal bleeding, such as blood in urine, bowel movement, sputum, or vomit, or blood from any of the body’s openings requires immediate attention. Abdominal pain, especially when it is associated with nausea, may indicate a wide range of problems from appendicitis to pelvic inflammatory disease and requires the diagnostic expertise of a physician. A stiff neck when accompanied by a fever may suggest meningitis and justifies immediate medical intervention. Injuries, many first aid emergencies, and severe disabling symptoms require prompt medical care.There is debate as to when medical care is needed in the case of fever. An elevated temperature may be a sign that the body’s immune system is responding to an infection and working to destroy pathogens, or disease-producing organisms. On the other hand, if left untreated for an extended time, a fever may cause harm to sensitive tissues in the body, such as connective tissue found in joints and tissues in the valves of the heart.The normal body temperature of 98.6° F was studied at the University of Maryland. Findings involving 700 temperature readings of 148 adults over a 3-day period suggest that the normal body temperature is 98.9° F. The study attributed the difference to less accurate techniques when the earlier standard of 98.6° F was established. Body temperature varies with exercise, rest, climate, and gender. Fever means a reading over 99° F. It is not usually necessary for an adult to seek medical care for a fever. Home treatment in the form of aspirin, acetaminophen, and sponge baths usually lowers fever. You should consult your physician if fever remains above 102 0 F despite your actions or, in the case of a low-grade fever (99 0 to 100 0 F), if there is no improvement in 72 hours. You should consult a physician if fever lasts more than 5 days, regardless of improvement. Symptoms, such as sore throat, ear pain, diarrhea, urinary problems, and skin rash, may be the cause of the fever and should be treated as such. Fever in young children should be discussed with a physician. </p>]]></content:encoded> <wfw:commentRss>https://klmixms.info/managing-health-care,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What’s Wrong – Pakistan’s Higher Education System</title> <link>https://klmixms.info/whats-wrong-pakistans-higher-education-system,html</link> <comments>https://klmixms.info/whats-wrong-pakistans-higher-education-system,html#comments</comments> <pubDate>Fri, 24 Feb 2023 07:39:37 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Education]]></category> <guid isPermaLink="false">http://klmixms.info/?p=57</guid> <description><![CDATA[Issues in Pakistan’s Education System: A Focus on Higher EducationScientia Potentia Est, or “For also knowledge itself is power”, is a very popular Latin maxim that all of us will have heard or read quite a few times throughout our school days. In the fast-paced, rapidly growing information age, it could not be any truer.The [...]]]></description> <content:encoded><![CDATA[<p> Issues in Pakistan’s Education System: A Focus on Higher EducationScientia Potentia Est, or “For also knowledge itself is power”, is a very popular Latin maxim that all of us will have heard or read quite a few times throughout our school days. In the fast-paced, rapidly growing information age, it could not be any truer.The concept of knowledge economy hovers around the utilization of knowledge and information as a productive asset. All the sectors, be it services related or manufacturing related all rely on knowledge and information for productivity; be it a groundbreaking piece of code for a software, or the schematics of a new prototype car.Knowledge is gained through two methods; one is experience, the other is formal education and training. Experience can only come with time; however, we still need to understand our experiences. That is where education comes in.Education is a building block of life as we know it, without which, we would not have the world we see now. It is widely understood that a country with a good education infrastructure has everything it needs to become a successful, highly developed nation. Over the next few paragraphs, we’ll try to see where Pakistan’s education system stands, what challenges it faces, and what possible solutions we might have.The Current System:Pakistan’s education system is split up into five levels. The first level starting from grade one and going up to grade five, is Primary Schooling. This education varies from school to school with some private schools offering exceptional schooling but at a very high price, and public schools often being termed mediocre; we’ll talk about the issues later on through this article.The second level, Middle Schooling, starts at grade six and continues up to the eighth grade. Again, the curriculum and schooling criteria varies from school to school, but the same conception applies here as well. Public schools are generally considered lackluster as compared to some private schools and the elitist schools offer the best schooling, at exorbitant fee structures.The third level consists of grades nine and ten, and is called Highschooling. This level is followed by Matriculation or Secondary School Certification (SSC) Exams. These exams are conducted on a provincial or district level. Once again, the quality of schooling varies from school to school with some schools following the Cambridge system of education.The fourth level consists of the eleventh and twelfth grades, and is called Intermediate Level Schooling. These two years of schooling are offered at several schools and also at several colleges, and are followed by Higher Secondary School Certification (HSSC) or Intermediate Exams. Like the SSC Exams, these are also conducted at the provincial level, as well as the federal level.Though these two years are the foundation for students as they determine a direction that they take for their career, students often change their career paths after their intermediate education and certification. There seems to be a growing need for student career-path counseling.The fifth level is composed of Undergraduate and Post-Graduate degree programs. The Undergraduate or Bachelors degree programs range from a Bachelors’ in Arts to Bachelors’ in Law, covering several different programs. The duration of these programs varies according to the nature of the specialization or course, from two to four years. There are several private and public universities spread out across the country that offer such bachelors degree programs.The Undergraduate or Bachelors’ programs are of two types; Pass and Honors. The Pass system comprises of twelve subjects, ranging from compulsory Language, History, and Religion based courses, to optional courses that cover specific areas with a duration of two years. The Honors system constitutes specialization courses in addition to select compulsory courses over three to four years.The Post-Graduate degree programs consist of Masters and PhDs in various subjects, ranging from philosophy and education to business administration and engineering subjects. The Masters programs are of around 2 years, and consist of specialization courses in a chosen subject. The PhD programs are a further extension of specialization and are of around three to five years.With several public and private universities and degree awarding institutes offering these programs, the quality of education varies profoundly, with select institutes given preference over others. The reason for such a vast difference in the quality of education is primarily the curriculum used, and the faculty of that institute. Once again, we’ll talk about the issues in more detail a little later on through the story.The Issues:Though Pakistan has a very high number of private and public sector schools, the quality of education leaves a lot to be desired. Some private sector schools do offer excellent quality, but have such a high fee that the lower middle income group can hardly afford them. Additionally, most public sector schools lack enough competent teachers to cater to the high demands of this age group.The most critical aspect of the earlier stages of formal education is the development of an inquisitive and active mind. If a child is encouraged to think out of the box from such an early age, not only would his learning experience be a lot more productive, he would grow into a prodigious professional.Additionally, another common complaint of parents of public-sector school students is poor English vocational skill. This once again, falls under the umbrella of ineffective and unskilled teachers.A very critical issue our intermediate level students face is a feeling of general mayhem and incertitude of their direction in life. Though some students have a fairly good idea of where they want to go, most do not, and this is why they end up changing their career paths during their higher education.Analysts and critiques argue that the reason for this irresolution lies in the fact that our current education system does not seed curiosity nor does it encourage further research. The reason behind this, they point out, is an ill-planned examination system that is graded according to a student’s ability to memorize selective topics in their curriculum, and to rewrite them onto paper. Our education system is in dire need of rejuvenation, and though it has already started, there is still indeed a long way to go.Also, another reason for this uncertainty is a lack of guidance and counseling. Due to our social setup, most students need constant feedback and guidance to steer themselves into the right career. This can only be done if all schools set up student counselors who would help students decide a particular field they wish to enter.At the university level, a major challenge is the lack of skilled and competent teachers. According to Pervez Hoodbhoy, “There are far too few qualified Pakistanis who can teach modern engineering subjects at an international professional level. There may be no more than two to three dozen suitable engineering professors in all of Pakistan’s engineering universities.” He further points out that the current number of engineering professors is minuscule if you look at the number of professors needed by the several international engineering universities being set up throughout the country.Another very major concern is the development of a suitable curriculum and examination system. Though the Higher Education Commission is currently developing a standardized curriculum for all public and private sector universities and institutes, the development of existing and new faculty will take quite some time.Possible Solutions:One possible solution to these problems is already under way. The restructuring of the entire system has already started and it is gradually being reworked into a more coherent and encouraging system for all. The system needs to be transformed so that it cultivates curiosity and research, instead of just going through a selection of notoriously irksome books.Moreover, we need to train our teachers to be more receptive of their students, instead of just being receptive of the books of their curriculum. With formal training, teachers can improve their language skills, as well as their direction and teaching skills. In simple words, we need to train them to be more open-minded and curious, so they in turn pass on that trait to their students.As for the lack of qualified Pakistani teachers and professors, one possible solution is to set up mandatory training courses for all teachers, as well as suitable experience and educational qualifications before allowing them to become teachers at higher education institutions. As for the immediate need, we need to hire foreign faculty for all our educational institutes while the currently employed teachers undergo mandatory training.As said in the beginning of this story, education is a building block of life as we know it and it is the primary thing that makes us human. As a child grows, he learns, and what he learns, he must be given the freedom to practice, and to grow. Without this freedom, he will confine himself to a cocoon, yet he will not transcended beyond that stage, and he will not turn into a butterfly.A child’s mind is like a blank canvas; use the right combination of colors, and it turns into a Van Gogh or a Michelangelo, use the wrong combination and it turns into muck. The development of a child determines his outlook and standing in life.I came across a very famous dialogue from a blockbuster Hollywood movie, “Truly wonderful, the mind of a child is”, and it truly is! </p>]]></content:encoded> <wfw:commentRss>https://klmixms.info/whats-wrong-pakistans-higher-education-system,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Should You Really Consolidate Student Loans?</title> <link>https://klmixms.info/should-you-really-consolidate-student-loans,html</link> <comments>https://klmixms.info/should-you-really-consolidate-student-loans,html#comments</comments> <pubDate>Fri, 24 Feb 2023 06:19:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://klmixms.info/?p=55</guid> <description><![CDATA[If you’re pondering whether or not to consolidate student loans, consider this; all college loans have unique attributes, and not all may be perfectly suited for student loan consolidation. Student loan consolidation is, in most cases, an outstanding option for reducing monthly payments, locking in low rates, and earning opportunities to shave money off your [...]]]></description> <content:encoded><![CDATA[<p> If you’re pondering whether or not to consolidate student loans, consider this; all college loans have unique attributes, and not all may be perfectly suited for student loan consolidation. Student loan consolidation is, in most cases, an outstanding option for reducing monthly payments, locking in low rates, and earning opportunities to shave money off your loan balance with lender incentives. When you consolidate student loans, you lock in the current interest rate by allowing the lender to repay the entire amount, then repaying the lender free from government interest rate fluctuations.PLUS Loan – Good Choice for Student Loan ConsolidationLike many college loans, the PLUS loan (Parent Loan for Undergraduate Students) is a type of federal loan with a variable interest rate. This means that the monthly payment will change when the government reconfigures the interest rates annually (July 1).The interest rates on PLUS loans are generally higher than other types of college loans so when interest rates increase, PLUS loans can be greatly affected. Since college loans are consolidated by social security number, parents should apply separately for PLUS loan consolidation.Perkins Loan – Consider before refinancingThe Perkins loan is a fixed rate loan and has some unique benefits that can be lost with a student loan consolidation. The Perkins loan has a forgiveness program that will waive all or part of the repayment amount if the borrower works in specific occupations that provide a valuable service to the community. Some such eligible occupations are teachers in low income areas, nurses, and medical technicians.If you’re not eligible for the various loan forgiveness opportunities offered by the Perkins loan, there is still another point to consider. Because the Perkins loan is a fixed rate loan, and because the interest rate on a student loan consolidation is determined by the weighted average of the other loans, you could actually pay a small percentage more on a consolidated Perkins loan over time.Stafford Loans – Good Choice for Student Loan ConsolidationStafford loans are the most common loans, and also the most popular type to consolidate. Stafford loans have a variable interest rate like the PLUS loan, making refinancing a smart choice. Loan consolidation can reduce the repayment amount by up to 63% if refinanced through the right lender.Like the Perkins Loan, the Stafford Loan also offers a few forgiveness programs for those in certain teaching positions and other various public service jobs. Check to see if you’re eligible for any forgiveness programs before applying to consolidate student loans.Health Professions Student Loan (HPSL) – Consider before refinancingThe HPSL loan for medical professionals is a fixed rate loan like the Perkins Loan. The HPSL comes with certain deferment options that may be lost after consolidation.The HPSL offers a 3 year deferment period designed to give relief to medical professionals during residency. This deferment option may or may not be lost after consolidation. Those who have HPSL college loans should inquire with various lenders about deferment options.Direct Loans – Good Choice for Student Loan ConsolidationSome schools offer Direct Loans, meaning that the money given to students comes directly from the federal government, not through a private lender. Borrowers who obtain these college loans must first consolidate through the Direct Loan program, but then have the opportunity to shop around for lower interest rates.<br />Beginning July 1st 2006, borrowers will face much stricter regulations when consolidating Direct Loans. After the 1st of July, borrowers will only be able to switch lenders if their current lender does not offer a student loan consolidation with an income sensitive repayment plan.The two most popular types of loans are the Stafford Loan and the PLUS Loan which is the reason it’s so popular to consolidate student loans. Many students acquire a variety of college loans that may not be beneficial to consolidate. Student loans are not all created equal. It’s important to understand the unique qualities of your individual loans and work with your lender to determine the option that is right for you. </p>]]></content:encoded> <wfw:commentRss>https://klmixms.info/should-you-really-consolidate-student-loans,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Student Loan Consolidation Interest Rate – Stafford Loans and PLUS Loans</title> <link>https://klmixms.info/student-loan-consolidation-interest-rate-stafford-loans-and-plus-loans,html</link> <comments>https://klmixms.info/student-loan-consolidation-interest-rate-stafford-loans-and-plus-loans,html#comments</comments> <pubDate>Fri, 24 Feb 2023 04:36:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://klmixms.info/?p=53</guid> <description><![CDATA[Going to College costs a great deal of money. No only do you have to consider your tuition, you need to pay for textbooks, room and board. Students use student loans to pay for a number of their college needs. Majority of these students have multiple student loans. Each loan has a different billing cycle, [...]]]></description> <content:encoded><![CDATA[<p> Going to College costs a great deal of money. No only do you have to consider your tuition, you need to pay for textbooks, room and board. Students use student loans to pay for a number of their college needs. Majority of these students have multiple student loans. Each loan has a different billing cycle, creditor, and interest rate. One way to make paying these loans easier is loan consolidation. Loan consolidation is having all your student loans turn into one new loan. This one loan is handled by one creditor. There are two methods of loan consolidation: Federal and Private loan consolidation. When looking for a loan consolidation company that’s right for you, you need to consider their interest rates. Interest rates are a major part of any loan.Federal loan consolidation is funded by the U.S. Government or the U.S. Department of Education. Either the Government or the Department of Education combines your multiple student loans into one new loan. The interest rate on Federal Loans change according to the 91-day Treasury bill or T-Bill. This may vary each year, each May. Federal Loan Consolidation rates are set on the US Treasury and by the Congress. The Federal interest rate is the weighted average of student loan interest rates. The interest rate for Stafford loans will be the T-Bill plus 1.7%, while for federal PLUS loans, the rate is the T-Bill plus 2.3%.Federal loans are currently at a fixed rate, but that can change. Originally, the federal interest rate was a fixed rate, later turned into a variable, but on July 1, 2006 it returned back to a fixed rate. With federal loans there is a possibility it may change in the future. Federal loans include Stafford Loans and PLUS Loans.Stafford Loans are fixed-rate loans. For Stafford Loans you have subsidized and unsubsidized Stafford Loans.For Subsidized Stafford loans that are paid out to graduate and professional students, the interest rate is fixed at 6.8%. Interest rates for subsidized Stafford loans, for undergraduate students are:<br />- For loans first paid out between July 1, 2006 – June 30, 2008, is fixed at 6.8%.<br />- For loans first paid out between July 1, 2009 – June 30, 2010, is fixed at 5.6%.<br />- For loans first paid out between July 1, 2010 – June 30, 2011, is fixed at 4.5%.<br />- For loans first paid out between July 1, 2011 – June 30, 2012, is fixed at 3.4%.<br />- For loans first paid out between on or after July 1, 2012, the interest rate is fixed at 6.8%.For Unsubsidized Stafford loans, the interest rate is fixed at 6.8%. This is disbursed to undergraduates and graduate students.The interest rate for PLUS loans first paid out beginning July 1, 2006 is fixed at 8.5%. The rate on PLUS loans first paid on or after July 1, 1998 but before July 1, 2006 is variable and may change annually on July 1 but will never exceed 9%. The current interest rate is 3.28%.A private loan consolidation company is a private creditor or company. Their interest rates vary. Interest rates are based on either LIBOR (London Interbank Offered Rate) or the prime rate. The credit history is also considered for the student and co-signer. These loans are variable or have a fixed rate that changes according to the agreement in the promissory note. In some cases some private student loan consolidation loans could be the same rate as federal to compete with federal low interest rates. </p>]]></content:encoded> <wfw:commentRss>https://klmixms.info/student-loan-consolidation-interest-rate-stafford-loans-and-plus-loans,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Small Business Grants Vs ARC Loans</title> <link>https://klmixms.info/small-business-grants-vs-arc-loans,html</link> <comments>https://klmixms.info/small-business-grants-vs-arc-loans,html#comments</comments> <pubDate>Thu, 23 Feb 2023 18:51:31 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Small Business]]></category> <guid isPermaLink="false">http://klmixms.info/?p=50</guid> <description><![CDATA[Small businesses are an important part of the American economy. According to the National Federation of Independent Business (NFIB), they supply roughly 55 percent of all jobs in the private sector, and they generate about half of all privately generated Gross Domestic Products (GDP), according to some estimates. There are over 27 million small businesses [...]]]></description> <content:encoded><![CDATA[<p> Small businesses are an important part of the American economy. According to the National Federation of Independent Business (NFIB), they supply roughly 55 percent of all jobs in the private sector, and they generate about half of all privately generated Gross Domestic Products (GDP), according to some estimates. There are over 27 million small businesses in the United States. They can be self-employed, home-based, Internet-based, and owned by men, women, and minorities, producing a very broad range of innovative products and services. Yet they continue to struggle in securing financing to start or grow their businesses.Small businesses have always relied on commercial banks for business loans. The increase in bank consolidations has resulted in larger banks, making it more difficult for the small business owner to secure funding for their business. Since more than 60% of small businesses rely on credit lines and loans, and the bulk of this financing comes from the banking sector, small businesses are increasingly looking for more sources to fund their businesses.The good news is that there are many other sources available for small business owners, including government-backed loans, and grants. The major difference between the two is that loans need to be repaid; grants do not. However, the U.S. government, recognizing the important role that small businesses play in our national economy, recently announced the availability of interest-free ARC loans. Grants and ARC loans offer two additional sources for small business funding that are worth investigating.Business GrantsGrants are not loans. Grants are free money that does not have to be repaid. Government grants are offered only to local and state, educational, and public housing organizations, and non-profits, and do not apply to start-ups. In addition, the government may offer some specialized grants to companies engaged in environmental efforts like energy efficiency and recycling, as well as businesses that train youth and senior citizens on the latest technology. That’s why they are referred to as “special purpose grants.” So, where do other small businesses go for grant money?Grants are available from local government agencies and private corporations and organizations. Some of the private sources include trusts and foundations such as the Gates Foundation, the Lilly Endowment, Ford Foundation, Hasbro Industries Charitable Trust, W. K. Kellogg Foundation, the Kipling Foundation, Clorox Company, Allstate Foundation, and International Paper Company. Each source has their guidelines on what type of business will qualify for grant money, and the business owner must meet the criteria. Grant money can be as small as $500 or as large as $5 million. The application process is long and tedious, requiring the applicant to present a solid business plan. The competition for grants is keen with no guarantee that the applicant will receive the money. But for small businesses who qualify and are willing to tough it out in order to get free money, it is worth it.ARC LoansBusiness loans in general differ from grants in that they need to be repaid, with interest. In addition, grants are based on the presentation of a well-written business plan, while loans are based on credit scores and often require collateral.Recently, however, the U.S. government announced a new program of interest-free loans called ARC (America’s Recovery Capital) loans, an extension of the 2009 Recovery Act, offered through the U.S. Small Business Administration (SBA). ARC loans provide up to $35,000 (one time only) of interest-free money specifically to small business owners to help them pay down debt on other loans. In essence, it buys them time to get back on their feet. The loans are available until September 30, 2010, or until the funds are depleted (only 10,000 loans are available), and are offered through SBA lenders only. SBA pays the fee to the lenders; the borrower pays back only the principal. Other specifics on ARC loans include:* Only private, for-profit enterprises up to 500 employees are eligible; non-profits are not eligible<br />* Business must be at least two years old<br />* Business must demonstrate an immediate financial hardship<br />* Loan money can only be used to pay off existing outstanding small business debt<br />* Loan money is paid out to the borrower over a six month period<br />* Repayment of the principal begins after the last loan disbursement is received<br />* Borrower has up to five years to repay the loan principalThe new ARC loans offer both advantages and disadvantages. The advantages include instant cash flow improvement, more money to re-invest in the business, and more time to restructure the business and position it for future success. For some small businesses, it is just what they need to survive. For others, the disadvantages include the strict criteria for qualification and use of ARC loan money. In addition, unlike grant money that does not have to be repaid, ARC loans need to be repaid. So, a small business owner who meets the qualifications must present a solid business plan that convinces the SBA lender they will be in a position to repay the loan within the time period allotted. That is the risk for the borrower, the lender, and the SBA who is guaranteeing the new ARC loans.ARC loans are not for everyone. However, they may be just the solution needed to save some small business owners. </p>]]></content:encoded> <wfw:commentRss>https://klmixms.info/small-business-grants-vs-arc-loans,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://klmixms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://klmixms.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://klmixms.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://klmixms.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://klmixms.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://klmixms.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://klmixms.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://klmixms.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://klmixms.info/fear-and-greed-in-the-market,html</link> <comments>https://klmixms.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://klmixms.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://klmixms.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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