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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>laehams.info</title> <atom:link href="http://laehams.info/feed" rel="self" type="application/rss+xml" /> <link>https://laehams.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 00:13:05 +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>Buying Home Furniture From Online Furniture Stores</title> <link>https://laehams.info/buying-home-furniture-from-online-furniture-stores,html</link> <comments>https://laehams.info/buying-home-furniture-from-online-furniture-stores,html#comments</comments> <pubDate>Sun, 16 Apr 2023 17:49:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[home furniture]]></category> <guid isPermaLink="false">http://laehams.info/?p=61</guid> <description><![CDATA[A furniture store is an integral part of our lifestyle as it converts our imaginations of a good home to actual. A beautiful home is made of a lot of other things, like home furniture, to double the happiness of owning one. Having good furniture around reflects a good lifestyle and leaves anyone who visits [...]]]></description> <content:encoded><![CDATA[<p> A furniture store is an integral part of our lifestyle as it converts our imaginations of a good home to actual. A beautiful home is made of a lot of other things, like home furniture, to double the happiness of owning one. Having good furniture around reflects a good lifestyle and leaves anyone who visits impressed.To find a home furniture store within your reach offering furniture of all kinds which also fits in well with your budget, try online furniture stores. A general furniture store might not offer you everything under one roof. You might not find living room furniture sets and home office desk furniture in the same store.But in case of online furniture store, they carry many advantages which are impossible to resist on. The foremost advantage is that it offers all you require in a single destination. Be it home office sets, bar furniture, living room sets, dinning room furniture or entertainment furniture, avoid the pressure of hunting different places to get the best when you can find everything in a single place.The second best advantage the online stores carry is that they offer quality products, from top brand manufacturers. So if you are a fan of Ashley, Acme furniture, Encore Home Furniture or Signature, you name it and you have it. This way you are left with no doubts on the quality of the products as they from brands which are renowned for their excellence in the field of offering luxury furniture at its best.One more advantage which you enjoy is the varieties offered. There are different styles and designs available for each kind of furniture. They differ in size, shape, color and many other features. You may think you got the best portable furniture for your small living space just to realize how wrong your judgment was after getting it home. This happens with most of us as we are not aware of the various options available. Online stores give you so many options which may leave you confused but never will it leave you unsatisfied or feel cheated.The last and the most vital advantage of online stores is that it takes good care of your budget. Buy any furniture otherwise, you will find difficult to digest the price tags. But online furniture stores acts like an antidote as it offers prices on the same piece of furniture at much lower rates. You can avail discounts on all the furniture throughout the year. This also means that you don’t have to wait till the end of season sale to buy the piece of furniture which you require immediately.Online furniture stores offers you the kind of home furnishes you looking for. They deal with top manufacturers and take great care of their customer’s budget and offer furniture at affordable rates. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://laehams.info/buying-home-furniture-from-online-furniture-stores,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Resilient Businesses Move Their People To The Cloud</title> <link>https://laehams.info/resilient-businesses-move-their-people-to-the-cloud,html</link> <comments>https://laehams.info/resilient-businesses-move-their-people-to-the-cloud,html#comments</comments> <pubDate>Thu, 16 Mar 2023 07:27:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[acamtms.info]]></category> <guid isPermaLink="false">http://laehams.info/?p=58</guid> <description><![CDATA[Every year, as the Atlantic hurricane season approaches many businesses have a nagging realization that they are at risk due to a catastrophic “Black Swan ” event. Black Swan events are a constant source of risk in states like Florida where many communities are subject to disruption due to coastal storms. This risk is particularly [...]]]></description> <content:encoded><![CDATA[<p> Every year, as the Atlantic hurricane season approaches many businesses have a nagging realization that they are at risk due to a catastrophic “Black Swan ” event. Black Swan events are a constant source of risk in states like Florida where many communities are subject to disruption due to coastal storms. This risk is particularly acute for businesses that depend on the storage of on-line data if there is a chance their critical data could become lost or corrupted. But the threat from Black Swan events isn’t limited to Florida, nor is it limited to large scale disruptive events like hurricanes.The black swan theory or theory of black swan events describes a disruptive event that comes as a surprise, has a major effect, and is often inappropriately rationalized after the fact with the benefit of hindsight. The term is based on an ancient saying which presumed black swans did not exist, but the saying was rewritten after black swans were discovered in the wild. Consider the following scenario…”We tend to think of disasters in terms of the attacks on the World Trade Center, Hurricane Katrina, or other mega events. Sometimes, however, less notable events occur that can have a catastrophic effect on a business. In February 1981, an electrical fire in the basement of the State Office Building in Binghamton, New York, spread throughout the basement of the building setting fire to a transformer containing over a thousand gallons of toxin-laden oil. Originally thought to be PCBs, the toxins were soon determined to contain dioxin and dibenzofuran, two of the most dangerous chemicals ever created. The fire was smoky and quickly filled the 18-story building with smoke. As the transformer burned, the soot entered the buildings ventilation shafts and quickly spread toxic soot throughout the building. The building was so badly contaminated that it took 13 years and over $47 million to clean before the building could be reentered or used. Because of the nature of the fire, the building and its contents, including all paper records, computers, and personal effects of the people who worked there, were not recoverable. This type of event would be irrecoverable for many businesses.” – Operations Due Diligence, Published by McGraw HillWhat affect would a catastrophic hurricane that affected an entire region or a localized disruptive event like a fire have on the operation of your business? Could you survive that kind of interruption or loss? As the dependence on on-line data has grown in virtually every type of business, so has the risk that loss of their data could disrupt the operation of the business and even result in its complete failure. In response to these threats, there has been an evolution in the approaches used to mitigate these risks as the volume of on-line data has continued to grow. Originally, the concept of Disaster Recovery (DR) emerged as a mitigation strategy that focused on the recovery of critical data after a disruptive event by giving the business the ability to restore disrupted IT operations.Disaster Recovery (DR) involves a set of policies and procedures that enable the restoration of critical business data and allows the IT infrastructure to be restored to a prior state. DR was originally seen as the domain of the IT department who were given responsibility for mitigating the risk. To minimize the risk, system backups were scheduled frequently and aggressive DR plans that included server cold start procedures and data backups were implemented.The goal was to restore the infrastructure to the last point where the data had been backed up (at the time, typically on tape). The acceptable DR practices at the time allowed the IT system to be rebooted when the facility power was finally restored… Unless it was in a flood zone or the off-site backup storage facility had also been impacted. In either case, the operation of the facility could potentially be disrupted for some period of time and the data restoration was also potentially at risk depending on where backups were stored.Now let’s roll the calendar ahead… As technology evolved so did the Disaster Recovery strategies, which lead to new concepts that evolved to the requirements for a Business Continuity solution as a means of mitigating risk. Still seen as the domain of IT, as technology moved towards solutions like shadow servers, distributed data locations and high speed bulk data transmission with hyper connectivity. Data no longer had to be “recovered”, it just had to be connected in distributed locations where it could be remotely accessed. Business Continuity mitigated the risk of data loss and allowed a business to recover much more quickly and efficiently from a Black Swan event because its servers never went completely down.Business Continuity originally encompassed planning and preparation to ensure that an organization’s IT infrastructure remained intact enabling the business to efficiently recover to an operational state within a reasonably short period following a Black Swan event. Technology today has evolved towards cloud solutions that put both the data and the applications into remote “cloud” locations so it would seem the IT responsibility for mitigating the risk of on-line data loss or corruption has been solved. With highly connected, fully distributed solutions, some people feel the need for business continuity may be fading in criticality. Nothing could be further from the truth…The fact is the risk was never solely in the loss of the data but the loss of the businesses ability to operate. There are businesses that cannot tolerate any disruption to their operations. These include healthcare, insurance, and communications companies, critical logistic suppliers, transportation providers and local governments. It is during Black Swan events that the services and products these businesses provide may be most needed. The requirements of other, less critical businesses, whose operations could be interrupted for days or even weeks, but who might face a significant financial risk, may also make their continued operation a matter of corporate survival.Today’s technology has completely abstracted business processing and data from the user by moving critical IT infrastructures into the cloud. Cloud technology enables users to work from remote locations, but use of the cloud doesn’t fully mitigate operational risk. It means people have now replaced computers as the critical path to continued operations. The operation of the business is more likely to be interrupted because key personnel aren’t prepared to sustain operations during a Black Swan event. They don’t have a facility that has been proactively planned to support operations during disruptive events that could last for hours, days or weeks. Particularly in areas like Florida, where large natural disasters such as hurricanes can disrupt services to entire communities, resilient businesses need to prepare in advance for sustained operations during a disruptive event. The ability of a business to continue its operations during times of distress are a measure of the businesses resiliency.Business Resiliency: takes business continuity to another level because it makes it the domain of operations management rather than leaving it solely as the domain of the IT Department. When planning for disaster recovery or business continuity the critical link is now the people who are needed to operate critical systems remotely. Yes, there are occasions where staff can work from home or from remote facilities the business may operate, however, this is not always a satisfactory answer and even when it is, businesses often find themselves scrambling to play catch up, trying to figure out who does what and “how can we get it done under these circumstances” situations. During Black Swan events including regional disruptions like hurricanes or local disruptions such as fires, many of the people the business relies on may not have power, internet or even a phone needed to enable them to work from home. Because you can’t put people in the cloud, Business Resiliency requires planning, training and practice so that your staff knows how and when to mobilize.Resilient businesses integrate Black Swan response into their continuing operations so that, when they are needed, at a time when the business and the people are under stress, everyone knows how to respond efficiently and effectively and where to go to provide that response. Business resiliency requires a dedicated facility that has been hardened to withstand Black Swan events and has been designed to provide the support services the people and the IT infrastructure will both need. Business resiliency requires proactive planning and the integration of operating procedures into the businesses standard operating plans to include remote operations by trained critical staff who have been mobilized to respond during disruptive events and it requires proactive practice to ensure that, when remote operations are needed, the people are ready. </p>]]></content:encoded> <wfw:commentRss>https://laehams.info/resilient-businesses-move-their-people-to-the-cloud,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Just Entertainment</title> <link>https://laehams.info/just-entertainment,html</link> <comments>https://laehams.info/just-entertainment,html#comments</comments> <pubDate>Sun, 26 Feb 2023 15:09:19 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://laehams.info/?p=56</guid> <description><![CDATA[The word “entertainment” covers a lot of territory and we spend a vast amount of time entertaining and being entertained. What is entertainment for one is not necessarily entertainment for another. We will keep this in mind as we explore the various forms of entertainment that surround us every minute of every day.While driving we [...]]]></description> <content:encoded><![CDATA[<p> The word “entertainment” covers a lot of territory and we spend a vast amount of time entertaining and being entertained. What is entertainment for one is not necessarily entertainment for another. We will keep this in mind as we explore the various forms of entertainment that surround us every minute of every day.While driving we see someone pulled over by the local law enforcement receiving a ticket. Some of us will be entertained by that and relieved it isn’t us who gained the attention of the traffic patrol. Now the person receiving the ticket is not being entertained at all.Watching a dog chase a cat over the fence, through the yard and up a tree is entertainment. Especially if it’s not your cat. And even if it were, at least the dog was being entertained.One more example of this form of entertainment is in order. Okay. Maybe not. But I just can’t help myself. There is the story of the man who ran a red light and struck a car carrying some elderly ladies. He was without a doubt in the wrong, but upon seeing who was in the car he thought he would bully them. He approached the vehicle and started yelling and blaming the driver for the accident. Well the ladies would have none of it and began to pummel the character with handbags and umbrellas. Now was this entertainment to those involved? I doubt it. But it sure was to those who witnessed the event.Now let’s explore some other, more conventional forms of entertainment. The types we find less nerve racking and more enjoyable. Reading, for example, is not only relaxing but is also intellectually stimulating. Books and magazines are sometimes just what the doctor ordered to ease the tensions of a stressful day. Of course, there are many types of books. There are text books, audio books, online books, children’s books, and novels of all kinds. Reading is a great form of entertainment.Going to the movies is fine entertainment. Or, renting a video or DVD, and relaxing in your easy chair with some nuked popcorn and a cold drink is even better yet. You can take an intermission whenever you want and it’s much less expensive. Sometimes you feel like going out, sometimes you don’t.Music. We can’t forget music. Music in one fashion or another, has been and always will be with us. I have no idea what the first music ever played was. But I do know that today’s music is available in many genres. We have classical, rock, pop, punk, rap, blues, soul, jazz, christian, and country music just to name a few. Yesterdays 45s and LPs are all but gone. They have been replaced with music videos, music downloads, and CDs.There is simply no way I can list all the forms of entertainment we have available to us. But I can tell you that if you are looking to be entertained by books, magazines, videos, DVDs, music videos, music downloads, CDs and much, much more, then the place to visit is RitzyShopper.com. There you will find a wide assortment of quality entertainment selections. </p>]]></content:encoded> <wfw:commentRss>https://laehams.info/just-entertainment,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Is Investment To You? Find Out If You/Your Small Business Are Making Costly Investment Mistakes</title> <link>https://laehams.info/what-is-investment-to-you-find-out-if-youyour-small-business-are-making-costly-investment-mistakes,html</link> <comments>https://laehams.info/what-is-investment-to-you-find-out-if-youyour-small-business-are-making-costly-investment-mistakes,html#comments</comments> <pubDate>Fri, 03 Feb 2023 17:55:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://laehams.info/?p=54</guid> <description><![CDATA[Not taking time to ask yourself a vital question like; what is investment, could be a very costly mistake that no one ever want to make. Many small businesses struggle with their investments because the managers in charge or the business owners confuse all sorts of financial commitments to be investment. Committing your hard earned [...]]]></description> <content:encoded><![CDATA[<p> Not taking time to ask yourself a vital question like; what is investment, could be a very costly mistake that no one ever want to make. Many small businesses struggle with their investments because the managers in charge or the business owners confuse all sorts of financial commitments to be investment. Committing your hard earned money is not a rocket science, it is as simple as understanding the basic rudiments of investing and living by it. In this article are simple golden rules that when followed will ensure that you are not just wasting your money but actually investing them in a worthwhile venture.I will start by providing a non-technical meaning of what an investment is before going further into exploring other condiments that makes an outstanding investment.WHAT IS THE MEANING OF INVESTMENT?In a simple everyday language, investment is a calculated and well articulated move that we make in order to grow our money, Simple!!! For you to grow your money, it has to still remain alive. After all, dead items do not grow. This simple definition of investment will now smoothly translate our discussion into exploring those characteristics that must be possessed by any form of investment.SIX (6) FEATURES AND QUALITIES OF GOOD INVESTMENTSThe aim of this section of the article is to allow you ask vital questions about your investment strategy. If you find your investing strategy wanting in any of these points discussed below, it then could mean that you are taking an investment risk that could be very costly.1. SAFETY: For the money that you commit to any venture to qualify as an investment, the safety of the capital must be assured. You cannot make any sensible investment economic wise if your initial capital is not safe. You need to be sure that you are not throwing away your cash.2. ABILITY TO GROW: After you must have guaranteed the safety of your proposed investment, the next thing that you must look out for is the presence of potential growth. The rate of this growth must be greater than the prevailing and possibly foreseeable inflation rate.3. TRANSFERABLE: A lot of people might find it difficult agreeing on this point but, think of it. How can you divest from the financial commitment involved in investment if there is no way you can transfer your stake in the venture? Is a simple fact, there must be a way of transferring ownership; else, that is not a potential investment.4. CAN RUN ON AUTO PILOT: Real investments do not necessarily need your presence to meet other characteristics of quality investment. So, be sure that what you are about committing your money to will not require you to constantly be there.5. EXISTENCE OF AN EXIT ROUTE: Yes, you must clearly see the exit route before you enter. Do not worry if you lack the skill to do this, you investment adviser will surely be vast in this.6. NOT BASED ON LUCK OR INTUITION: As obvious as this point may be, people still overlook it at their detriment. Investment is too important to be based on mere luck or guesswork.My experience over the years as both an accountant, investment analyst, and an auditor has shown me that any investment that a business makes based on the key principles identified above goes on to flourish and multiply. It does not matter whether you make these investments as a small business or as an already established business.And the good news is that everyone can follow these simple investment golden rules as stated in this article and still get the same result.If however you are too busy to do your due diligence before committing your money to investment, I would suggest that you contact an accountant who has experience in investment analysis or any other professional investment adviser or a qualified financial planner. Your business is too precious to be allowed to die at an early stage. </p>]]></content:encoded> <wfw:commentRss>https://laehams.info/what-is-investment-to-you-find-out-if-youyour-small-business-are-making-costly-investment-mistakes,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Why Is Traveling Good for You?</title> <link>https://laehams.info/why-is-traveling-good-for-you,html</link> <comments>https://laehams.info/why-is-traveling-good-for-you,html#comments</comments> <pubDate>Fri, 03 Feb 2023 14:06:10 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://laehams.info/?p=52</guid> <description><![CDATA[Decades ago, only the rich could afford to travel. But with improvements in transportation and technology, visiting places can also be done by someone who earns a meager salary. Saving for your next travel is easier when you have good motivation. Have a specific place and a date in mind and start saving for your [...]]]></description> <content:encoded><![CDATA[<p> Decades ago, only the rich could afford to travel. But with improvements in transportation and technology, visiting places can also be done by someone who earns a meager salary. Saving for your next travel is easier when you have good motivation. Have a specific place and a date in mind and start saving for your next destination.Many people love traveling because of many reasons. Some of the reasons may include the following:1. To get relaxation.Often, the reason to travel is to take a vacation. You might want to go to the beach, visit a shopping center or just go sight-seeing someplace you haven’t been to. You want to forget about work and to unwind, so you travel. Traveling can give you the relaxation you need when you see new sights and meet new faces. Sometimes stress can be caused by monotony and your daily routine. You can break it by traveling.2. To bond with family and friends.You can just visit the mall together or eat at a nearby restaurant to bond with your family and friends but traveling can make it a lot more memorable. You can go abroad or just visit the nearby city.3. To experience a new culture.For some people, traveling means learning. They learn the language and the culture and even try to fit in. You will have your own discoveries about a certain place. It’s a lot different when you experience it firsthand than just see the place from a picture or feel it through a description from someone else who has been there. You can always do it too.4. To learn new things you can share with others.Learning is a lot better when you experience it than just read it from a book. You might learn a new greeting, weird stuff or tradition that is only unique to that place you visit. Travel with an open mind and thirst for learning.5. To be active.Admit it, when you’re on vacation you get energized and ready for adventure. Traveling comes with that feeling. Your travel plans might also include zip-lining, kayaking or mountain climbing. You can’t do these things when you’re indoors.Given the benefits of traveling, it is time you plan for your next trip or start one. You can do a yearly travel abroad and a small trip to nearby cities and local destinations twice a year. It is not that expensive to travel. There are always other options that you can consider. You can buy tickets ahead of time when fares are cheaper. Start traveling and creating new experiences in life. </p>]]></content:encoded> <wfw:commentRss>https://laehams.info/why-is-traveling-good-for-you,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>7 Tips to Help You Choose a Good Builder</title> <link>https://laehams.info/7-tips-to-help-you-choose-a-good-builder,html</link> <comments>https://laehams.info/7-tips-to-help-you-choose-a-good-builder,html#comments</comments> <pubDate>Sun, 06 Nov 2022 21:39:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://laehams.info/?p=50</guid> <description><![CDATA[If you are going to build your own home, you should be pretty excited. Since this is a huge project, make sure you hire the best builder to get it right. In other words, hiring the best builder is vital if you want to turn your dream into reality. In this guide, we have presented [...]]]></description> <content:encoded><![CDATA[<p>If you are going to build your own home, you should be pretty excited. Since this is a huge project, make sure you hire the best builder to get it right. In other words, hiring the best builder is vital if you want to turn your dream into reality. In this guide, we have presented a list of essential factors that will help you choose the best professional to cover your needs. Read on to find out more.</p><p>1. Check the Past Projects of your Desired Builder</p><p>First of all, you should take a look at the portfolio of the builder. You will find a lot of designs and images on their portfolio. If you take a closer look at their past projects, you will get a pretty good idea of their style and experience.</p><p>2. Insurance and Registration</p><p>Secondly, we suggest that you look for a builder that is registered with an authority. Similarly, your desired builder must be insured. In case of damage to your property, you will be able to recover compensation from the insurance provider of your builder.</p><p>3. Services</p><p>Generally, professional builders use a wide range of industry terms. You should be familiar with these terms. Besides, you must understand the contract and the points it talks about, such as power points, light fittings, insulation, and driveway, just to name a few.</p><p>If you don’t understand something, you should discuss it with your builder. You should sign the contract only after you understand everything.</p><p>4. Get References</p><p>After you have made a list of some professional Builders, we suggest that you check their references. You should then go to some of their previous clients and discuss their experience working with the builder. If they are happy with the builder, you can go ahead and sign the contract with that builder.</p><p>5. Do your homework</p><p>If your desired builder has built some homes in your neighborhood, you can visit those homes and ask the homeowners if they were happy with the services they received. This type of honest feedback can help you get a better idea of the skills, experience, and service quality of the builder.</p><p>6. Communication</p><p>During the interview process, you should ask questions and notice how they answer your questions. If they are not good at communication, we suggest that you look around for a better service provider.</p><p>7. Cost</p><p>Once you have considered all of the factors described above, we suggest that you talk about the service charges. You should get at least one cost estimate from each provider. After you have received all of the quotes, you can compare them to get the best deal.</p><p>Long story short, we suggest that you consider these important factors before hiring a builder to construct your home. Some homeowners make the mistake of hiring a builder without taking their time. We suggest that you don’t make this mistake and take your time to look for the best builder.</p>]]></content:encoded> <wfw:commentRss>https://laehams.info/7-tips-to-help-you-choose-a-good-builder,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://laehams.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://laehams.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://laehams.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://laehams.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://laehams.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://laehams.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://laehams.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://laehams.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://laehams.info/fear-and-greed-in-the-market,html</link> <comments>https://laehams.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://laehams.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://laehams.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://laehams.info/5-areas-where-interest-rates-matter,html</link> <comments>https://laehams.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://laehams.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://laehams.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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