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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>lofiums.info</title> <atom:link href="http://lofiums.info/feed" rel="self" type="application/rss+xml" /> <link>https://lofiums.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 00:42:22 +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>Inexpensive Bathroom Home Improvement Projects</title> <link>https://lofiums.info/inexpensive-bathroom-home-improvement-projects,html</link> <comments>https://lofiums.info/inexpensive-bathroom-home-improvement-projects,html#comments</comments> <pubDate>Fri, 07 Apr 2023 21:15:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Home Improvement]]></category> <guid isPermaLink="false">http://lofiums.info/?p=64</guid> <description><![CDATA[The bathroom has many purposes and should be one of the most important rooms on the list when considering a home improvement project. Bathroom home improvement can be so over looked by many people as they simply do not understand how much value can be added to your home with some well thought out bathroom [...]]]></description> <content:encoded><![CDATA[<p> The bathroom has many purposes and should be one of the most important rooms on the list when considering a home improvement project. Bathroom home improvement can be so over looked by many people as they simply do not understand how much value can be added to your home with some well thought out bathroom home improvement plans.This article will look at the little things that can make a big difference in your bathroom home improvement project. If you think it will be too expensive to really add value to your home by spending more time on the bathroom you are wrong.The first thing you could do to your bathroom to add value without spending allot of money is to add some decorative trim around the ceiling. This will give the room a nice look that you may not see in many homes. Trim can be much less expensive than redoing the entire wall with paint or wall paper.You might be able to add some nice curtains around your mirror for very little cost to really give your bathroom home improvement project a classy look. This may be another idea that seems just a bit different, but again it is these types of simple touches that can add real value without costing you an arm and a leg to complete.Paint your bathroom sink and give it a very classy look. You may want to consider painting some nice designs on your sink to give it a touch of class. You could visit some home improvement showrooms and see if they have any sink painting designs to go by. If you are unsuccessful at finding any examples you should be able to find some nice designs online.You might want to check out your larger home improvement retailers and get some good ideas for a creative bathroom home improvement project. Usually the employees at the larger retailers are not as concerned about selling you expensive materials and will steer you in the right direction. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://lofiums.info/inexpensive-bathroom-home-improvement-projects,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Art Graduate Survival 101 – What Support Can Art Students Look To?</title> <link>https://lofiums.info/art-graduate-survival-101-what-support-can-art-students-look-to,html</link> <comments>https://lofiums.info/art-graduate-survival-101-what-support-can-art-students-look-to,html#comments</comments> <pubDate>Wed, 05 Apr 2023 08:46:07 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Animation]]></category> <category><![CDATA[Arts and Entertainment]]></category> <category><![CDATA[Body Piercings]]></category> <category><![CDATA[Casino Gambling]]></category> <category><![CDATA[FictionTattoos]]></category> <category><![CDATA[Film Editing]]></category> <category><![CDATA[Movies TV]]></category> <category><![CDATA[Music]]></category> <category><![CDATA[Music Industry]]></category> <category><![CDATA[Music Instruction]]></category> <category><![CDATA[Painting]]></category> <category><![CDATA[Performing Arts]]></category> <category><![CDATA[Photography]]></category> <category><![CDATA[Visual Graphic Arts]]></category> <guid isPermaLink="false">http://lofiums.info/?p=62</guid> <description><![CDATA[The cuts to the art industry is one of the most short-sighted acts of vandalism in recent years. With prospects for graduates glooming, what support can art students look to?Google search results can be terrifying. See also: uncertain career paths, wonky prospects, and a vague idea of what life after art school even is. After [...]]]></description> <content:encoded><![CDATA[<p> The cuts to the art industry is one of the most short-sighted acts of vandalism in recent years. With prospects for graduates glooming, what support can art students look to?Google search results can be terrifying. See also: uncertain career paths, wonky prospects, and a vague idea of what life after art school even is. After chalking-up years of arduously studying art, history, and a whole lot of Foucault, art students slip into a workforce that doesn’t always appreciate the curation of heterotopias, but would rather appreciate extra foam on their cappuccino. Occupying Starbucks, art student’s attitudes become as bitter as the coffee they’re hired to make.The landscape that art graduates encounter isn’t one Theresa May would find strong or stable. It’s on shaky grounds, and not many institutions are facing the matter of art graduates. In 2016, only 69.1% of fine art graduates landed a job. Such jobs were mainly retail, catering, and a rather ominous ‘other’ category. This is as worrying as it is important. These statistics make a powerful and compelling case for the precarious situatedness of graduates. Is studying Herodotus something we should pay people to do? Currently, it’s a no. The cultural work graduates can offer is restricted, dismissed, and erased by non-art circles. The (mis)treatment of art graduates is a sign that something is wrong with how particular societies locate the arts.Upcoming artists are crucial to keeping things fresh. Whilst we pay these practises a certain amount of lip-service and Instagram postage, clicks and shares won’t pay the rent. Art institutions are crucial in providing platforms and forums for the curation of new and promising artistic modes. But some of these can be arcane, leaving art studies struggling to exoterically explain their art. University faculties take refuge in niches. Whilst this enables students to navigate specificities, the outside world neglects this.Art award schemes can provide graduates an opportunity beyond the white walls of university to express themselves. The variety and vitality of schemes, such as the BP Portrait Award, Frieze Artist Award, and the Sunny Art Prize, provide ways for upcoming artists to be recognised globally. When Art was listed top of Forbes’ 10 worst college majors across the pond, the need for healthy art exchanges is needed more than ever before.Over 2,557 artists from across 80 countries applied for the BP Portrait Award in 2016. 53 artists were selected by the judging panel and saw their still life come to life in the National Portrait Gallery. So, when just 2% of artists who enter find their work selected and be in the running for £30,000, the program provides a critical platform for portraiture; an arguably dying medium. By divorcing strict figuration, the portraits range from tactile finger painting-esque pieces, to photorealist methods. Commissioned works come to form an exhibition that represents the diversity, creativity, and vision of contemporary portraiture. The competition carries the prestige capable of changing an emerging artist’s life.Jettisoning the portrait, we encounter spatial arrangements that test the idea of the site in the Frieze Artist Award. The competition allows emerging artists to realise a major commission at Frieze London. The site-specific works are ambitious, often interrogating concepts of digital media, video, and sculpture and the methods in which these can find relief. Previous winners range from Yuri Pattison’s navigation of the self-as-data across networked data systems, Rachel Rose’s layering of communication and sensory perception, and Mélaine Metranga’s unhurried negotiation of emotional-economic exchanges in a series of videos and an on-site café-installation. Produced under the guidance of the Frieze Projects team, the Award sets a budget of up to £20,000.The Royal Academy’s Summer Exhibition is one of the world’s largest open-submission showcase. The panoramic scope of the exhibition illustrates art’s pluriformity. Running since 1769, the Summer Exhibition is open to all artists and hangs within its palatial walls everything that is happening in the art scene. Both fresh and established artists can submit, and with £50,000 worth of prizes floating about, it’s a peak into the whimsical realm of contemporary art.Held by the Sunny Art Centre, the Sunny Art Prize creates a transnational space for art from across the world to come together. The institution aims to showcase the plurality of fine art today, from 2-dimensional paintings to 3-dimensional sculptures. By crafting a worldy grammar through art, the competitions sees art from London, Beijing, Guangzhou, and Macau represented and articulated to a larger audience. Cash prizes are on offer (with up-to £3,000 for first prize) alongside a public solo exhibition at the Sunny Art Centre, and a one month residency along with a show at their partner galleries.Visibility is key to art. It is a language not of stillness, but robust dialogue. It refuses to be silent. Art has been inflected with superficial associations, meaning that culture has become obfuscated. Art’s insights have been lost, so the sooner we find relief in art, the sooner we’ll view art graduates as more than future-baristas. </p>]]></content:encoded> <wfw:commentRss>https://lofiums.info/art-graduate-survival-101-what-support-can-art-students-look-to,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Health Care Reform – Let It Come But Be Ready for Change!</title> <link>https://lofiums.info/health-care-reform-let-it-come-but-be-ready-for-change,html</link> <comments>https://lofiums.info/health-care-reform-let-it-come-but-be-ready-for-change,html#comments</comments> <pubDate>Tue, 04 Apr 2023 22:31:54 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Acne]]></category> <category><![CDATA[Anti Aging]]></category> <category><![CDATA[Beauty]]></category> <category><![CDATA[Cosmetic Surgery]]></category> <category><![CDATA[Diabetes]]></category> <category><![CDATA[Drug Abuse]]></category> <category><![CDATA[Health and Fitness]]></category> <category><![CDATA[Massage]]></category> <category><![CDATA[meditation]]></category> <category><![CDATA[Nutrition]]></category> <category><![CDATA[Personal Training]]></category> <category><![CDATA[Popular Diets]]></category> <category><![CDATA[Skin Care]]></category> <category><![CDATA[Spa and Wellness]]></category> <category><![CDATA[Speech Pathology]]></category> <category><![CDATA[Weight Loss]]></category> <category><![CDATA[Yoga]]></category> <guid isPermaLink="false">http://lofiums.info/?p=60</guid> <description><![CDATA[To stir emotions the health care reform debate doesn’t have to peel the onion back very far. There are those who could always afford health insurance and are worried that their costs will significantly rise in the attempt to cover the cost of care for those who have gone without. There are those with numerous [...]]]></description> <content:encoded><![CDATA[<p> To stir emotions the health care reform debate doesn’t have to peel the onion back very far. There are those who could always afford health insurance and are worried that their costs will significantly rise in the attempt to cover the cost of care for those who have gone without. There are those with numerous and expensive to treat medical problems, who have no health insurance or inadequate health insurance coverage and they need relief, now! And there are those who are healthy, have chosen not to have health insurance, and resent a mandate requiring them to “buy-in” or face monetary penalties.The Health Care Affordability Act of 2010 is wide in its scope and goals. First, it moves us to a place where most Americans will be covered by health insurance. This will remove “the” key impediment to “routine” health care services for millions of Americans. Subsidies will insure health care insurance regardless of an ability to pay and just because you have pre-existing medical conditions you will still be eligible for “reasonably priced” coverage. Stated another way, insurers will not be able to reject you or drastically increase your premiums if you suffer from chronic illnesses that generate a high level of claims, nor will they be allowed to set dollar limits on health insurance coverage.To fund these objectives the Health Care Affordability Act requires all Americans to purchase health insurance. There will be subsidies if you are in a low income category and if you have no ability to pay anything you will be eligible for Medicaid as these state level programs will be more accommodating and act as the ultimate safety net. Through its mandates, the law requires millions of healthy individuals to pay into the system. The idea here is that those of us who are not in need of health care will fund those who draw from it. Since any of us can succumb to a health emergency at any time and thus become in need of potentially costly health care interventions those who support the mandate feel that this is fair – we are simply looking out for each other. Next, there are numerous plans in testing phases that are designed to make the delivery of health care more efficient and more cost effective. These pilot programs are being managed by the Center for Medicare and Medicaid Services (CMS) and include the cooperation of health systems throughout the country. These are complex to say the least and in early development stages and until proven, which is years from now, it is not known what their effect will be.I support the attempt by the Obama administration and others to get something done on this pressing national issue. But there is a lack of candor about the cost, where the funds will come from, what treatments and medical technologies will be restricted due to very high costs and how the demand of millions of newly insured patients will be managed in terms of timely access to care and treatments. I have spent forty-one years of my life in a medical technology career that focused on global health economics and reimbursement issues and believe me, something will have to give. In every country outside of America, health care budgets are limited and capped. Fees to hospitals and physicians are set, annually reviewed and kept in check and new medical technology prices and access to them are restricted in subtle and not so subtle ways. And if you think that these policies won’t happen in America – think again, as spending limits are being set and will be set and we will have to live within them!Having said that, let’s continue on with the reforms, some government mandated, some driven by the market place as conservative health policies propose. Just know that we will be dealing with health care reform for a very long time and there are going to be a lot of disillusioned folks along the way, newly enfranchised and otherwise. The emerging health care system will be “more just” but it will require real and noticeable sacrifice from the majority of Americans who heretofore never much worried about the fairness of it all. </p>]]></content:encoded> <wfw:commentRss>https://lofiums.info/health-care-reform-let-it-come-but-be-ready-for-change,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Google Book Project Adds UC to Its Library Roster</title> <link>https://lofiums.info/google-book-project-adds-uc-to-its-library-roster,html</link> <comments>https://lofiums.info/google-book-project-adds-uc-to-its-library-roster,html#comments</comments> <pubDate>Tue, 04 Apr 2023 19:05:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[finance google]]></category> <guid isPermaLink="false">http://lofiums.info/?p=57</guid> <description><![CDATA[California joins Harvard, Oxford, Stanford, the University of Michigan and the New York Public Library in the Google Book Search project. It is known that The University of California holds 100 libraries on 10 campuses across the state and ranks as the largest research and academic library in the world.Reports says that Google is working [...]]]></description> <content:encoded><![CDATA[<p> California joins Harvard, Oxford, Stanford, the University of Michigan and the New York Public Library in the Google Book Search project. It is known that The University of California holds 100 libraries on 10 campuses across the state and ranks as the largest research and academic library in the world.Reports says that Google is working with the U.S. Library of Congress on a similar effort, For Google, the new momentum for its Book Search Project is the latest in a string of high-profile deals it has announced over the past week in which it signed a major search and advertising contract with News Corp., the owner of MySpace.com, and a video advertising and delivery deal with Viacom, owner of MTV, were amongst the people who has a done deal with the search engine mammoth.Jennifer Colvin, a spokeswoman for the University of California’s digital library arm, said “We know that we will be digitizing several million volumes but not the entire 34 million.”Google Books product manager Adam Smith confirmed that the project would scan books numbering “in the millions,” but declined to offer specific targets in terms of the number of books or the scope of financing Google planned to provide. The Google Book Search project was a far larger in scope than its undertaking with the Yahoo-Microsoft funded group. </p>]]></content:encoded> <wfw:commentRss>https://lofiums.info/google-book-project-adds-uc-to-its-library-roster,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Invest Money Vs Where to Invest for 2015 and Beyond</title> <link>https://lofiums.info/how-to-invest-money-vs-where-to-invest-for-2015-and-beyond,html</link> <comments>https://lofiums.info/how-to-invest-money-vs-where-to-invest-for-2015-and-beyond,html#comments</comments> <pubDate>Wed, 22 Mar 2023 15:33:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Investing]]></category> <guid isPermaLink="false">http://lofiums.info/?p=55</guid> <description><![CDATA[It is one thing to have a handle on where to invest; but quite another to have confidence in how to invest money for 2015 and beyond. The big difference lies in asset allocation, or how to invest money across the asset classes. The “how to” will depend on your financial objectives, comfort level and [...]]]></description> <content:encoded><![CDATA[<p> It is one thing to have a handle on where to invest; but quite another to have confidence in how to invest money for 2015 and beyond. The big difference lies in asset allocation, or how to invest money across the asset classes. The “how to” will depend on your financial objectives, comfort level and the markets in 2015 and beyond.There are 3 or 4 basic asset classes, and we’ll start with where to invest in stocks. Stocks are the growth engine of your portfolio, and most investors should concentrate on large-cap diversified stock funds that pay dividends of about 2%. This way you’ll own a small piece of a large portfolio of America’s largest, well-known companies. For the vast majority of Americans with longer-term financial goals (like retirement) this is how to invest money for growth without excessive risk.To keep market risks lower stay away from low-cap (small-company) stocks and funds; and growth stocks and funds that pay little or no dividends. With the stock market hitting all-time highs, this is not where to invest for 2015, especially if riskier stocks don’t fit your comfort level. Down-side risk is rising for 2015 and beyond, and a market reversal will likely hit the smaller-company and high-growth sector hardest. And don’t increase your asset allocation to stocks in general. That’s not the success formula for how to invest money when prices are high.For most of the people most of the time, a 50% to 60% asset allocation to stocks is commonly recommended as the standard answer to how to invest money for longer-term goals. If retirement is approaching, or this just doesn’t fit your comfort level, a lower asset allocation is your answer to how to invest for 2015 and beyond – for greater peace of mind. If you would sleep better with an asset allocation of 40% or less in stocks, go for it.The second asset class is bonds, and when held in conjunction with stocks they add balance to your portfolio and offset risk. Few individual investors have either the experience or the inclination to sort through bond issues. That’s why professionally managed bond funds are the average investor’s answer to where to invest for 2015 and beyond. With today’s high bond prices (due to recent record-low interest rates) you’ll want to be careful here in terms of exactly where and how to invest money.The answer to how to invest money here: avoid the temptation of higher dividends offered by high-yield (junk) and long-term bond funds. Junk funds pay more due to the low quality of bond issues held and the risk associated with default (of interest payments and/or principal). But the real risk for 2015 and beyond is interest rate risk, and long-term bond funds are high risk in that department; and are definitely not where to invest money in bond funds at this time. Your best bet for risk vs. dividend income: go with medium to high quality, intermediate-term bond funds for 2015, 2016 and beyond.For many years now the financial industry has suggested an asset allocation of about 40% or so in bonds as a rule of thumb for how to investment money for longer-term goals. As we look down the road to 2015, 2016 and beyond keep in mind that there is a bond market and it works much like the stock market. Bond prices and bond fund values fluctuate and usually less so than stock prices and stock fund values. If interest rates rise significantly, bonds and bond funds will lose money. Long-term bond funds will be hardest hit. That’s the way bonds work, and why it is crucial that you know how to invest money in them for 2015 and beyond.If high bond prices and an asset allocation of 40% don’t fit your comfort level, go with a lower asset allocation to bond funds. Now the question is how to invest the rest of your money if your asset allocation to stocks plus bonds adds up to less than 100%. The third asset class is often referred to as just “cash”, or safe liquid investments. As to where to invest for safety and easy access to your money consider a money market fund. As interest rates rise money market fund dividends automatically follow suit. Plus, you can easily move money from fund to fund within your fund family.If you are more adventuresome consider adding the fourth asset class, called alternative investments, to your asset allocation. These are your alternatives for how to invest money to make higher returns in 2015 if the stock market tanks. Examples include: real estate, gold, and natural resources like oil. The good news is that there are specialty stock funds that specialize in these sectors, so that’s where to invest to keep things simple. While stocks and bonds have become pricy, both gold and oil have dropped in price. If either starts to look cheap, that could spell opportunity in 2015, 2016 or beyond. </p>]]></content:encoded> <wfw:commentRss>https://lofiums.info/how-to-invest-money-vs-where-to-invest-for-2015-and-beyond,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>3 Things To Know Before Starting Your Crowdfunding Campaign</title> <link>https://lofiums.info/3-things-to-know-before-starting-your-crowdfunding-campaign,html</link> <comments>https://lofiums.info/3-things-to-know-before-starting-your-crowdfunding-campaign,html#comments</comments> <pubDate>Thu, 16 Mar 2023 15:05:56 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://lofiums.info/?p=50</guid> <description><![CDATA[Crowdfunding has definitely taken over our lives, be it funding your dream idea or be it funding your neighbor’s operation. As with any new and developing means to make things simpler, crowdfunding comes with its own set of pre-existing conditions and context. It has become extremely easy for anyone to start a crowdfunding campaign. However, [...]]]></description> <content:encoded><![CDATA[<p>Crowdfunding has definitely taken over our lives, be it funding your dream idea or be it funding your neighbor’s operation. As with any new and developing means to make things simpler, crowdfunding comes with its own set of pre-existing conditions and context.</p><p>It has become extremely easy for anyone to start a crowdfunding campaign. However, the most important part lies in knowing about what you’re signing up for. If you’re someone who has a vague idea about crowdfunding, then it is important to do your due diligence before you go ahead with a crowdfunding campaign. Crowdfunding platforms are usually for-profit platforms (not to say that not for profit crowdfunding platforms do not exist) and they come with their rules and regulations, it is best to know these three things before you choose to launch a crowdfunding campaign for your cause, be it creative, medicinal or entrepreneurial.</p><p>1- Know your platform</p><p>There are some platforms that deal particularly with creative causes, some with medical and some work extensively with entrepreneurial pursuits. Depending on your case, it is important to evaluate the platform accordingly. Most crowdfunding platforms usually charge a fee for them to host your campaign. You may also incur different expenses depending on the added services you sign up for.</p><p>These platforms also come along with their own target audience, if you set up a campaign for your medical fundraising in a creative platform, know that there’s a serious mismatch in your target audience that tags along with it. It is also worth understanding that niche platforms usually specialize in one particular type of fundraising and it is best to leverage that for the good of your campaign, in terms of context, reach, marketing and audience etc.</p><p>2- Know your costs</p><p>With platforms charging their fees and the expenses that are incurred for any marketing efforts or promotional efforts, it is vital to have a buffer amount. Always take into consideration the fluctuation in different currencies (if the platform allows for donations from abroad) and the money that will be lost on the levied tax (depending on where you live). It is important to think about the PR costs and the promotional efforts if your cause is creative or entrepreneurial in nature. Marketing has the potential for a game changer, so it is important to not skimp on that and leverage the funds required.</p><p>3- Know your audience</p><p>It is important to be able to translate the value of your campaign to your audience. Regardless of the nature of your campaign (medical, creative and/or entrepreneurial), it is critical to be able to convey the urgency of your campaign to your audience. It is essential to building trust, transparency, and openness for your campaign. This enables you to be able to connect with your audience. If someone is willing to donate money to your cause, naturally they would want to know the details and the updates in the long term.</p><p>Understand that it is very important to be able to communicate your terms to your potential donors. It is of monumental importance to understand how you can communicate the terms of your cause. Empathy works well with medical causes, with entrepreneurial causes the pitch should revolve more around tangibility and with creative causes, it should revolve around your history with the creative field and the scope of your project.</p>]]></content:encoded> <wfw:commentRss>https://lofiums.info/3-things-to-know-before-starting-your-crowdfunding-campaign,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://lofiums.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://lofiums.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://lofiums.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://lofiums.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://lofiums.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://lofiums.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://lofiums.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://lofiums.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://lofiums.info/fear-and-greed-in-the-market,html</link> <comments>https://lofiums.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://lofiums.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://lofiums.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://lofiums.info/5-areas-where-interest-rates-matter,html</link> <comments>https://lofiums.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://lofiums.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://lofiums.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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