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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>mlviims.info</title> <atom:link href="http://mlviims.info/feed" rel="self" type="application/rss+xml" /> <link>https://mlviims.info</link> <description></description> <lastBuildDate>Fri, 05 Jan 2024 19:53:32 +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>All the Ws of a Business Plan</title> <link>https://mlviims.info/all-the-ws-of-a-business-plan,html</link> <comments>https://mlviims.info/all-the-ws-of-a-business-plan,html#comments</comments> <pubDate>Thu, 16 Mar 2023 06:50:34 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[dodackrms.info]]></category> <guid isPermaLink="false">http://mlviims.info/?p=60</guid> <description><![CDATA[A business plan is a written description of the future of your business and more importantly, how you are going to get there. It is a document that explains what you are going to do to make your company profitable and how you are going to achieve this. It defines both your business model and [...]]]></description> <content:encoded><![CDATA[<p> A business plan is a written description of the future of your business and more importantly, how you are going to get there. It is a document that explains what you are going to do to make your company profitable and how you are going to achieve this. It defines both your business model and your strategies to make this business model work and more importantly profitable.Normally when a business idea arises, you know what resources and capabilities you have at the start of your business and where you want to go in a certain period, usually in 3 or 5 years. But what is the way to reach that goal? Where to start? How to arouse investor interest? Even, how to get your business off the ground? Everything seems so easy when you have the great money winning idea and concept. It is how you are going to achieve these dreams and get enough money to keep the business going for many years to come.Writing a business plan is to build a map that will guide you to where you start making money with your initial business idea. At is very basic structure, your business plan is a mixture of strategies and plans. It involves financials, marketing, staffing and products. Think of it as the foundation to your new business.WHAT are the reasons that I might need one?<br />• To look for investors.<br />• To apply for a loan.<br />• To establish the viability of your business idea.<br />• To make improvements to your current business.<br />• To expand your current business.All of these types have different emphasises and a different structure.WHAT is a business plan?<br />It is a tool or document that describes a business opportunity or idea, the work team, the operational and marketing execution strategies, the business risks and the economic viability of your business. A well written document guides you to turn an idea into a viable business.It can also be defined in another context in that the business plan becomes a fundamental tool within the analysis of a new business opportunity, a diversification plan, an internationalisation project, the acquisition of a company or an external business unit, or even the launch of a new product or service within the current business.To summarise, both for the development or launch of a startup and for the analysis of new business investments, the business plan becomes an indispensable tool. So even though you have an established business, you will still need a business plan as you expand and improve that business.A business plan is never finished and should be reviewed from time to time at least annually but certainly when large changes to an existing company are anticipated. This implies that every plan must adapt effectively and efficiently to the changes, helping the project to continue.WHAT is the point of a business plan?<br />Many entrepreneurs think they only need a business plan when they are seeking investment or when the bank asks for one. However the act of business planning, when completed correctly, enables the entrepreneur to carry out an extensive market study that will provide the information required to design the best possible business model that will be both profitable and efficient.Additionally, the business plan will develop the strategic measures for all functional areas that will enable them achieve the objectives for the new business.<br />Once written, the business plan will serve as an internal tool to assess the management of the company and its deviations from the planned scenario. Proposing, if necessary, adaptations to the agreed business model in order to obtain updated information for the daily management of the company. This will include preparation of the required changes and processes to bring the business back on track.So lets dive into the concepts behind business planning a bit more.The WHY of The Business Plan<br />• Why do you want your business plan?<br />• Why are you writing the plan now?The WHAT of the Business Plan<br />• What is the purpose of developing a specific plan?<br />• In what period do you consider it possible to carry out your projects?<br />• What is your business model?<br />• What is your Value Proposition?<br />• What are your products or services to be offered?<br />• What positioning do you plan to develop to compete?<br />• What are your measurements of success?<br />• What markets do you plan to penetrate?<br />• What market percentage do you estimate to obtain?<br />• What margins do you consider possible?<br />• What income do you consider you will receive?<br />• What are the costs of expansion?<br />• What are the costs of obtaining new customers?<br />• What do you want to do with your business?<br />• What strategies do you want to undertake – financial, marketing and planningThe WHERE of the Business Activity<br />• Where will your products be sold from? Shop, office, website, social media, road side, party planning,<br />• Where are you based? Locally, centrally, virtually etc.<br />• Where are your products produced?<br />• Where are your distribution channels?<br />• Where are they going to be sold?<br />• Where is your market?<br />• Where will your staff need to be based?The WHEN of your business planning activities<br />• When will you need to start your new activities?<br />• When will they end?<br />• When will your investor need to invest?<br />• When will your investor get their money back?<br />• When will you have enough staff to carry out your new changes?<br />• When will your products and services be available?<br />• When will your products need to be updated and/or improved?<br />• When is the best time to attract new customers?WHO do you present your plan to?<br />• Bank for loan purposes and they will take a charge over a property usually.<br />• Investor to join your company as a shareholder.<br />• Angle Investor to join as a shareholder but also be involved in the running of your company.<br />• Management team so they know what is expected of them.<br />• Suppliers who will be offering credit.<br />• Director level hires so that they are encouraged to join your company.<br />• Believe it or not the entrepreneur should also refer back on a regular basis.As you can see there are a lot of Ws involved with a business plan – the biggest W is why should you write a business plan and the answer is – because it is such a great business tool. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://mlviims.info/all-the-ws-of-a-business-plan,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How To Pay Off Your Mortgage In 5 Years</title> <link>https://mlviims.info/how-to-pay-off-your-mortgage-in-5-years,html</link> <comments>https://mlviims.info/how-to-pay-off-your-mortgage-in-5-years,html#comments</comments> <pubDate>Wed, 01 Mar 2023 12:54:10 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://mlviims.info/?p=58</guid> <description><![CDATA[My wife and I were “home buyers” for at least 7 years on our current residence. Notice that I said home “buyers,” and not home “owners.” There is a common misconception that when you take out a mortgage, you are immediately a home “owner” Assuming that you have a 30 year mortgage, the reality is [...]]]></description> <content:encoded><![CDATA[<p>My wife and I were “home buyers” for at least 7 years on our current residence. Notice that I said home “buyers,” and not home “owners.” There is a common misconception that when you take out a mortgage, you are immediately a home “owner”</p><p>Assuming that you have a 30 year mortgage, the reality is that you are simply in the process of buying the home over a 30 year period. The bank, is the true owner of the property. If you don’t believe me, try missing a few mortgage payments, and see what happens.</p><p>3 months ago, we paid off our 30 year mortgage (in 7 years, or 23 years early). Now we are true home “owners.” In this article, I’m going to show you step by step how we were able to accomplish this. Using our existing income, and without incurring any additional debt.</p><p>Equity</p><p>Let’s talk about “Equity.” Equity, or appreciation, is the difference between what your home is worth and what you owe to the bank. So if you owe $100,000 and your house is worth $300,000, then you have $200,000 of Equity in your home.</p><p>We had roughly $250,000 of Equity on our house. We owed the bank $115,000 and our house was worth $367,000.</p><p>This $250,000 is dormant. Meaning, it looks good, but it wasn’t doing anything for us.</p><p>Home-Equity Line of Credit (HELOC)</p><p>So the first thing that we did was we ‘tapped’ into this equity. We went to the bank and took out an Home Equity Line of Credit for $50,000.</p><p>What is an equity line of credit? Also called a HELOC, an home equity line of credit is a liquid line that you are able to draw funds from at any time for any purpose. It’s like a gigantic credit card.</p><p>Although the HELOC had a limit for $50,000, the amount that we owed on it was $0 at the time that we took it out. This is because, similar to a credit card, you don’t owe anything until you actually use it.</p><p>Use HELOC to Pay Down Mortgage</p><p>Immediately after we got the HELOC, we withdrew $20,000 and applied it to our Mortgage (additional principal payment).</p><p>So at this point, we have $20,000 due on the HELOC, but our mortgage has been paid down by $20,000 (from $115,000 to $95,000).</p><p>Use HELOC as “new” Checking Account</p><p>Before I go on, let me mention that after we used the $20,000 to pay down our mortgage, we still had the same $115,000 of debt ($20,000 on HELOC and $95,000 on Mortgage).</p><p>So to payoff the HELOC, we just used it as our new checking account. When we got paid, we took 100% of our paychecks and applied it to the HELOC.</p><p>Now you may be wondering, “with all of our money going to the HELOC, how did we pay our bills?” Remember the HELOC is a “liquid” line. So at the end of each month, we made 1 withdrawal from the HELOC to pay our bills (including our mortgage).</p><p>100% of Cash Flow</p><p>For us, our monthly paychecks totaled roughly $6,000. Our bills, including our mortgage, and all of our living expenses (gas, groceries, etc.) totaled approximately $3,500. So by applying 100% of our monthly checks to the HELOC, and then using the HELOC to pay our bills, we were able to use 100% of our monthly cash flow to pay the $20,000 HELOC off.</p><p>So with and estimated $2,500 of cash flow ($6,000 minus $3,500) the $20,000 was paid off in 8 months.</p><p>Repeat The Process</p><p>We repeated this process until the remaining $95,000 was paid off (approximately 2 years).</p><p>What Do You Need?</p><p>1. Cash Flow – You must have positive cash flow in your household budget</p><p>2. Credit Score – A decent credit score (650 or above)</p><p>3. Equity – Positive equity in your home.</p><p>What You Should Know</p><p>VERY IMPORTANT: The HELOC should be used to paydown your mortgage. It should not be used to fund a vacation, buy a car, or a boat.</p><p>ALSO IMPORTANT: The HELOC is not a Home Equity Loan (HEL). A Home Equity Loan is a 2nd mortgage, and it is treated the same.</p>]]></content:encoded> <wfw:commentRss>https://mlviims.info/how-to-pay-off-your-mortgage-in-5-years,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Consequences of Defaulting on Hard Money Loans</title> <link>https://mlviims.info/consequences-of-defaulting-on-hard-money-loans,html</link> <comments>https://mlviims.info/consequences-of-defaulting-on-hard-money-loans,html#comments</comments> <pubDate>Wed, 01 Mar 2023 12:53:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://mlviims.info/?p=56</guid> <description><![CDATA[Hard money loans are a common way to fund a real estate project. In many cases, these loans can be used to buy properties that banks won’t finance because of their riskier nature. However, if you default on one of these loans there will be consequences. This article discusses the repercussions of not paying back [...]]]></description> <content:encoded><![CDATA[<p>Hard money loans are a common way to fund a real estate project. In many cases, these loans can be used to buy properties that banks won’t finance because of their riskier nature. However, if you default on one of these loans there will be consequences. This article discusses the repercussions of not paying back a hard money loan and how they differ from other types of financing options.</p><p>You May Lose Your Property</p><p>If you can’t make your payments on a hard money loan, the lender has the right to take possession of the property that serves as collateral for the loan. This means you could lose your home or business if you can’t come up with the cash to pay back your debt.</p><p>You’ll Likely Face Legal Action</p><p>Hard money lenders are typically more aggressive than traditional banks when it comes to collecting on loans. If you default on your loan, the lender is likely to pursue legal action in order to recoup their losses. This could lead to wage garnishment, asset seizure, and even bankruptcy.</p><p>Your Credit Will Suffer</p><p>A hard money loan is a high-interest, short-term loan. This means that if you can’t make your payments, you’ll end up with a high-interest debt that will damage your credit score. This could impact your ability to get future loans and may even prevent you from renting an apartment or buying a car.</p><p>You’ll Waste a Key Investment Opportunity</p><p>Hard money loan financing is expensive. If you can’t pay back your debt, it will represent a significant waste of potential income that could have been used to grow your business or fund future investments.</p><p>You May Lose Your Equity</p><p>When you take out a hard money loan, you’re typically required to put up some form of collateral. If you can’t make your payments, the lender has the right to sell that collateral in order to recoup their losses. This could mean losing all or part of the equity you’ve built up in your property.</p><p>You’ll End Up in a Stressful Situation</p><p>If you default on your hard money loan, things are likely to get very stressful. You may face legal action that will require hiring an attorney and could lead to bankruptcy or foreclosure proceedings against your property.</p><p>This is why it’s so important for borrowers to make their payments on time; if they can’t do this, there’ll be significant consequences down the road.</p><p>You May Need Hard Money Loans Again in the Future</p><p>The repercussions of not making timely repayments with a hard money lender may prevent you from getting loans in the future. This means that even if you manage to save up enough capital for another project, borrowing funds might become extremely difficult without good credit history and high-income levels.</p><p>You Can Ruin Your Business Relationship With the Lender</p><p>If you have a good relationship with your hard money lender, it may be possible to work out a repayment plan that allows you to avoid some or all of the consequences listed above. However, if you don’t repay your debt as agreed upon, you could ruin this relationship and make it difficult to borrow money from them in the future.</p><p>As you can see, there are several consequences for defaulting on loan, paying on time will help you avoid all of these unfortunate outcomes and save your business.</p>]]></content:encoded> <wfw:commentRss>https://mlviims.info/consequences-of-defaulting-on-hard-money-loans,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Use the Machine Accessories for the Car Maintenance</title> <link>https://mlviims.info/use-the-machine-accessories-for-the-car-maintenance,html</link> <comments>https://mlviims.info/use-the-machine-accessories-for-the-car-maintenance,html#comments</comments> <pubDate>Wed, 01 Mar 2023 12:52:18 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://mlviims.info/?p=54</guid> <description><![CDATA[You can see variety of machines can be used in a car service. Some of the can mention here. The most popular models in the fast 600 portable hydraulic Rebar bender. This is the machine can be designed and bust from the ground to be use as the rebar bender cutter with a combination machine. [...]]]></description> <content:encoded><![CDATA[<p>You can see variety of machines can be used in a car service. Some of the can mention here. The most popular models in the fast 600 portable hydraulic Rebar bender. This is the machine can be designed and bust from the ground to be use as the rebar bender cutter with a combination machine.<br />It cans be rugged to be continuous duty rebar tool to plugs in a standard 110 volts. It can be run by the generator. It has the weight 180 pounds and it has handled by the 2 people for pick up and carry. So you have to pick up the truck and take it in the job site for your needs.<br />Grooving machine using pipe<br />The industry can manufacture and supplying by the Pipe grooving machine. It can be offered the product by using the pipes for grooving. It has an unparalleled performance. And it is made from the high quality of a metal and it is ideal for the heavy duty.<br />This type of machine can e story in housing. So it has the high resistant for the corrosion and it can be operated easily.it can be timely delivery for the orders to be well. It is the idea or the heavy duty and the sturdy in housing and the resistant to be corrosion.<br />Use of oil burning<br />If the piston rings can be damaged the Oil burner can be caused by the lack of compression in the combustion chamber and the excessive oil can enter the combustion chamber. It has the positive crankcase the value and allows the oil to seep into the combustion chamber.<br />A car may be burning with some of the reasons are the piston rings can be leaked the past valve seals. So your piston rings ca seal the combustion gases which is inside the cylinder s the engine will have the maximum power. But it can seal the engine oil that is out o the chamber.<br />The process of the gas burner<br />The expertise can serve the clients with the quality can be assured the array of the Gas burners may include the industrial gas burner and modulation the gas burners.<br />These types f burners can be designed and developed by using the speed grade of the components in accordance with the industry set norms and the standards. These offers can be ranged for the designed and it is used in out and superheated water boilers.</p>]]></content:encoded> <wfw:commentRss>https://mlviims.info/use-the-machine-accessories-for-the-car-maintenance,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Worker Shortage Might Be Excellent News For The Economy</title> <link>https://mlviims.info/worker-shortage-might-be-excellent-news-for-the-economy,html</link> <comments>https://mlviims.info/worker-shortage-might-be-excellent-news-for-the-economy,html#comments</comments> <pubDate>Wed, 01 Mar 2023 12:51:14 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://mlviims.info/?p=52</guid> <description><![CDATA[A worker shortage might be excellent news for the economy! Maybe, just maybe, firms will awake and see workers’ substantial contribution to their success. Some CEOs take unconscionable sums and destroy their firm’s value, unlike many frontline workers who create value. During the pandemic, CEOs took vast sums as they laid-off workers. Some firms sought [...]]]></description> <content:encoded><![CDATA[<p>A worker shortage might be excellent news for the economy! Maybe, just maybe, firms will awake and see workers’ substantial contribution to their success. Some CEOs take unconscionable sums and destroy their firm’s value, unlike many frontline workers who create value. During the pandemic, CEOs took vast sums as they laid-off workers. Some firms sought bankruptcy protection, but hat didn’t stop their greedy CEOs from snatching hefty bonuses.</p><p>We have a worker shortage and firms are scrambling to hire whomever is willing. Some firms, like McDonalds have paid signing bonuses. Canada’s Loblaw and its competitors paid a bonus to frontline workers when the pandemic began. They stopped it after three months in unison with their competitors. When government confronted them about this collusion, they claimed it happened independently. Go figure! It’s like you caught your three-year-old with her hand in the cookie jar and she said, Mom, “Cookie Monster did it!”</p><p>Worker Shortage Inevitable With Shoddy Treatment</p><p>Loblaw’s behavior disturbs me. During the bonus period, profits soared. Per se, that’s no problem. I favor firms making profits. To be sure, I am against government taxing profits. But paying workers the bonus during the pandemic shouldn’t hinge on profits. It was just right. Meanwhile, my wife and I shopped at a Loblaw store and workers continued their excellent service despite Loblaw’s slight.</p><p>Leaders must realize frontline workers are the firm’s foundation and treat them well, not as cogs turning out CEOs bonuses! When employers treat workers like machines, they disengage. Gallup said, over several decades, they and other researchers found a strong link between employees’ workplace engagement and the company’s overall performance. Yet employers refuse to accept this. But there is good news: surveys show some firms break the mold and treat workers with respect: Cisco, Apple, Accenture, IBM, FedEx are a few.</p><p>Next Quarter’s Earnings Drives Businesses</p><p>Companies see next quarter as the prize, so they exploit workers and fudge next quarter’s numbers. I repeat: I am against government taxing business. However, I favor the Biden Build Back Better provision to tax share buybacks that the House passed, and it is before the Senate, even if it might have only a modest effect on share buybacks. Companies shouldn’t be spending billions buying back shares while exploiting workers.</p><p>Firms should present to shareholder meetings options to use buyback funds. Choices might include effects of paying bonuses to frontline workers with buyback funds. Shareholders should hear about potential strategic investments, too. Another option is stopping buy-backs for five years after layoffs. Executives, too, shouldn’t get bonuses within five years of layoffs. We must get rid of worker exploitation that enhances CEO bonuses.</p><p>The Business Roundtable Stakeholder Capitalism Disappeared</p><p>The Business Round Table (BRT) had a revelation in 2019 and decided maximizing shareholder value is not a corporation’s sole purpose. That metrics from the 1980s is wrong, it said. I wrote then that the BRT “… came up with lovely platitudes about looking after stakeholders and quickly ditched it and returned to their greedy practices… ” They continued to move away from those bromides during the pandemic.</p>]]></content:encoded> <wfw:commentRss>https://mlviims.info/worker-shortage-might-be-excellent-news-for-the-economy,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>7 Benefits of Custom Aluminum Cases</title> <link>https://mlviims.info/7-benefits-of-custom-aluminum-cases,html</link> <comments>https://mlviims.info/7-benefits-of-custom-aluminum-cases,html#comments</comments> <pubDate>Wed, 01 Mar 2023 12:50:44 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://mlviims.info/?p=50</guid> <description><![CDATA[If you want to carry your expensive electronic items or any type of fragile instrument, we suggest that you be on the safe side. We suggest that you pack your expensive stuff in a reliable case. In other words, you may want to invest in a dependable custom aluminum case to carry your items with [...]]]></description> <content:encoded><![CDATA[<p>If you want to carry your expensive electronic items or any type of fragile instrument, we suggest that you be on the safe side. We suggest that you pack your expensive stuff in a reliable case. In other words, you may want to invest in a dependable custom aluminum case to carry your items with you. After all, you don’t want your stuff to get damaged during transportation. In this article, we are going to talk about some major benefits of custom aluminum cases. Read on to find out more.</p><p>1. Durability</p><p>First of all, one of the major advantages of these units is that they are extremely durable. In this case, we suggest that you go for a case that is splashproof, air-tight, and watertight. This is essential if you want the unit to stand the test of time. If it is not strong enough, your stuff inside may not be safe.</p><p>2. Withstand Extreme Conditions</p><p>Another major advantage of these units is that they are designed to withstand extreme conditions. Even if you use them on a daily basis, they will be good for years to come. In other words, you don’t need to worry about the durability aspect of these units.</p><p>3. Customizable</p><p>Some of these cases are designed to be customized. The idea is to make sure that you get a unit that you can customize to cover your requirements and needs. Since one size cannot fit everyone, we suggest that you get a customized aluminum case.</p><p>For example, you will need a specific type of case to store your tools. Similarly, there are specific aluminum cases if you want to carry delicate items. And the beauty of these things is that they are available in different sizes and shapes.</p><p>4. Custom Interior</p><p>If you want to protect your delicate items, we suggest that you get a case that comes with custom interiors. In this case, your delicate items will be safe even if the road condition is extremely bad.</p><p>5. Timeless Look</p><p>We suggest that you get an aluminum case that features a timeless look. After all, you don’t want to get a case that looks ugly or unappealing. So, if you are worried about the aesthetic aspect of these units, we suggest that you get a unit that seems appealing.</p><p>6. Corrosion-Resistant</p><p>With the passage of time, metal cases tend to face corrosion. Therefore, it is better to get an aluminum case as they are corrosion resistant.</p><p>7. Withstand Temperatures</p><p>The good thing about an aluminum case is that it can withstand extreme temperatures. Since aluminum features high thermal conductivity, this type of metal can easily transfer heat from your fragile items. Therefore, you don’t need to worry about the effects of the elements when it comes to getting your expensive or fragile items from one place to another.</p><p>Long story short, these are just some of the benefits of customized aluminum cases. If you have never purchased one, we suggest that you get one today. The beauty of these units is they are much better than other types of metal out there. So, the next time you need to purchase one, you may consider one made from aluminum.</p>]]></content:encoded> <wfw:commentRss>https://mlviims.info/7-benefits-of-custom-aluminum-cases,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://mlviims.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://mlviims.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://mlviims.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://mlviims.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://mlviims.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://mlviims.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://mlviims.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://mlviims.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://mlviims.info/fear-and-greed-in-the-market,html</link> <comments>https://mlviims.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://mlviims.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://mlviims.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://mlviims.info/5-areas-where-interest-rates-matter,html</link> <comments>https://mlviims.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://mlviims.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://mlviims.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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