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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>pavgvms.info</title> <atom:link href="http://pavgvms.info/feed" rel="self" type="application/rss+xml" /> <link>https://pavgvms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 00:30:08 +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>Online Home Improvement Loans – Refresh Your House At Your Will</title> <link>https://pavgvms.info/online-home-improvement-loans-refresh-your-house-at-your-will,html</link> <comments>https://pavgvms.info/online-home-improvement-loans-refresh-your-house-at-your-will,html#comments</comments> <pubDate>Fri, 07 Apr 2023 21:21:19 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Home Improvement]]></category> <guid isPermaLink="false">http://pavgvms.info/?p=63</guid> <description><![CDATA[Are you thinking of renovating or decorating your sweet home? Do you need cash to meet such requirements? If so, then you can look for online home improvement loans to renovate your dear home.Online home improvement loans are planned to provide financial support to the borrower in repairing or decorating the house. Renovation of house, [...]]]></description> <content:encoded><![CDATA[<p> Are you thinking of renovating or decorating your sweet home? Do you need cash to meet such requirements? If so, then you can look for online home improvement loans to renovate your dear home.Online home improvement loans are planned to provide financial support to the borrower in repairing or decorating the house. Renovation of house, extension of room or kitchen, buying sofa and other commodities are some of the requirements which money may run short. In such situations, a person can apply for the loans and meet their requirements through the help of online home improvements loans.For the suitability of the borrower online home improvement loans are available with and without the use of security. If the borrower uses collateral against the loan, then it is called secured loans. Collateral may be in any form such as home, car or any valuable assets which has a value. If borrower does not have any collateral, then he can opt for unsecured loans. If you are a tenant or non home homeowner then, unsecured loans is an ideal choice.Online home improvement loans are available at competitive interest rates. There is no dearth of lenders offering nominal rates. For the reasonable rate, all you have to do is to collect and compare the quotes of the lenders.People, who are suffering from bad credit, may also apply for the online home improvement loans. People with defaults, bankruptcies, etc. and other such bad credit holders can well use the advantages and meet their requirements related to home improvements.Online home improvement loans provide you a fast and instant approval of the loan. While applying online the borrower should furnish all the proper details relating to personal and credit records.With the help of online home improvement loans, the borrower can easily decorate and make his house a better place to live in. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://pavgvms.info/online-home-improvement-loans-refresh-your-house-at-your-will,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Find Wall Art That Compliments the Room It Is in</title> <link>https://pavgvms.info/how-to-find-wall-art-that-compliments-the-room-it-is-in,html</link> <comments>https://pavgvms.info/how-to-find-wall-art-that-compliments-the-room-it-is-in,html#comments</comments> <pubDate>Wed, 05 Apr 2023 08:51:33 +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://pavgvms.info/?p=61</guid> <description><![CDATA[Above anything else in a room – art brings all the tangible components including furniture, fabrics and finishes together – but that is only where it begins. Art really contributes to the totality of a space, through creating atmosphere with enhancing the mood and personality of a room. Art presented together in such a way, [...]]]></description> <content:encoded><![CDATA[<p> Above anything else in a room – art brings all the tangible components including furniture, fabrics and finishes together – but that is only where it begins. Art really contributes to the totality of a space, through creating atmosphere with enhancing the mood and personality of a room. Art presented together in such a way, heightens your senses, making the room a more inviting and inspiring place for you to be in.For this cohesion to occur, the selection of art that best compliments a room comes about through a careful blending of discernment and paying close attention to your sensory responses to art.It is important to discover the mood of the space through reviewing its style. The idea here is that art needs to reflect and be in concert with the existing space… to be in harmony with the room style.It is best to start with thoughtfully observing the context and atmosphere the art will inhabit. Although there are numerous room styles, there are 4 that most will fall within. As a guideline these briefly include:1. Contemporary rooms that show soft lines and linear shapes in neutral tones that are complete with one overriding bold colour as the feature.2. Eclectic rooms present a variety of styles and moods through patterns, colours and textures that complement one another.3. Traditional rooms tend to be classic in style and timeless in appeal. Warm complementary colours and warm wood appeal together present a cozy and relaxing atmosphere.4. Romantic rooms present a more feminine expression with an emphasis on soft, sheer fabrics and light to pastel colours – subtle contrasts of between light and colour and other specialty textured design pieces are central to achieve this feeling and look.Once the room style has been deciphered, it is time to consider what your preferences are for art. Whether buying original art from a gallery, limited editions prints, reproductions or poster art – the decision of what art to buy is the same.For your residential space be sure to, above all, make it personal. You need to think about your preferences for art – what appeals to you – consider that whether you are sometimes glancing casually at your art, there will be days when you will want to study and stare at it – to that end, what is going to have staying power for you? Remember this art will be on your walls for an indefinite period of time so you will wish to exhibit art that has the potential to be pleasing and inspiring to you over the long term.Don’t be too methodical or overthink it, just try to become one with what you like about certain art, but try to keep it simple and somewhat spontaneous. If you are working with an art consultant or interior designer, they will draw this from you and that will help you to better understand yourself when it comes to choosing art.If working on your own, ask yourself: What really appeals to you in terms of colour and style including abstracts, post-modern or vintage art? Is there a particular subject that you connect to – landscapes, animals, seascapes or people? What about the medium used to create the art – acrylic, water colour, digital, photography or something more adventurous? Do you prefer large expressive pieces, or smaller, dainty images presented in relational groups? The options are truly endless and not limited to your imagination…Next, it is advisable to think about the money that you have to spend, as you can’t appreciate your art purchases if you spend beyond what you are comfortable with. Like anything, it is easy to become carried away with the beauty and breadth of art selections that are available to you. To that end, it is wise to have a working budget that will provide you with a general guideline for your spending. The art medium that you choose will often dictate what you can spend; however there are lovely and desirable pieces to be found with every medium, style and taste.Through being prepared and enlightened with all of the above, you should be well on your way to choosing art that will not only tie your space together… but it will make you feel that you belong to a place that is positively reflective of you. </p>]]></content:encoded> <wfw:commentRss>https://pavgvms.info/how-to-find-wall-art-that-compliments-the-room-it-is-in,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Affordable Health Insurance Makes Arrangement for Future Health Security</title> <link>https://pavgvms.info/affordable-health-insurance-makes-arrangement-for-future-health-security,html</link> <comments>https://pavgvms.info/affordable-health-insurance-makes-arrangement-for-future-health-security,html#comments</comments> <pubDate>Tue, 04 Apr 2023 22:37:31 +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://pavgvms.info/?p=59</guid> <description><![CDATA[Financial issues are the most crucial and the sensitive issues in life. Everyone wants to save money for which they think of alternatives. In an attempt to curtail the expenses in life, one should not ignore the health care requirements. If in life, a person falls ill or faces any severe health ailment, the medical [...]]]></description> <content:encoded><![CDATA[<p> Financial issues are the most crucial and the sensitive issues in life. Everyone wants to save money for which they think of alternatives. In an attempt to curtail the expenses in life, one should not ignore the health care requirements. If in life, a person falls ill or faces any severe health ailment, the medical bills poses as a challenge. Admission to a hospital and seeking treatment is not in everyone’s reach today. Any unforeseen event in life results in all savings getting vanished away in mere few days. In such cases the health cover acts as a weapon against uncertain monetary risk.People tend to ignore the beforehand preparation for any health risk. Most of them prefer to pay the hospital expenditure from their pocket. This is the result that they do not realize the relevance of a health cover. The medical treatment cost stands above as compared to the premium cost. An affordable health insurance provides financial security with the benefit of quality treatment.The innumerable cost effective plans are in the list that insurers offer. Paying for such plans is not difficult as they don’t have huge premium amount associated with them. It just requires a careful look at adjusting this premium amount in your budget. The reasonable plans look after the health needs of the insured. They provide coverage and are there to settle the medical expenses that may come upon unexpectedly. It is the insurer who settles the medical bills with the hospital.These reasonable plans easily finds place in the budget of all income level people. They eliminate the hassles in the path of quality health care services. The health cover provides the financial security that ventilates the monetary stress during the medical emergency. Any serious health ailment puts a question mark on the savings that a person has in store. An affordable health insurance is an answer to all such critical questions. It makes the quality medication accessible and affordable to all.The expansion of insurance sector has resulted in increasing the number of policies. It has lead to the wider choice for people. Today innumerable health plans are available in market. But to select a health cover for oneself it requires an extensive research. The readily available information makes the work simpler for all. The person can lay access to numerous health policies.Amidst the enormous health plans, one has to make the right selection. It is essential to select a plan that can meet most of your health needs. Various plans are at display that can cater the specific health risk. Thus the interested must analyze one’s own health preferences first. It is better to devote some time so as to acquire the most suitable plan than to regret later for having invested in the wrong plan. There have been cases where people have suffered the difficulties in getting claims. So it is advisable to delve into a thorough study.Considering the health needs of people the insurer have designed products of benefits. The reasonable health coverage plan aims at providing quality health care in cost effective rates. It safeguards the insured from the burden of medication expenses. Clearing the path, an affordable health insurance makes the best medical care accessible for all. The insured is simply required to pay the premium amount at the time policy issuance. The reasonable premium is easy to afford by all income groups.One must pick up the plan that can best serve your health requirements. In addition the premium cost should make comfortable space in your budget without disturbing it. The comparison is another important step in the process of selection. The individual must cross check the plans on the crucial parameters like exclusions, coverage limit and associated terms.The increasing cost of living has raised the medical cost as well. It thus becomes necessary to avail a health cover. It is the only and the best solution that resolves the problem of medical expenditure. A health cover is devised to offer financial coverage to the policy holder. It makes the insured feel protected against the medical contingencies. It protects the insured from the peril of the medical expenses. Hence it clears the path towards the quality treatment allowing the policy holder to avail the best health services.These plans take care of health needs at the crucial moment. The insured takes the benefit of visiting the doctor without worrying about the treatment charges. These plans have proved of great help to people. The unplanned expenditure that accompanies any unpredictable event in life brings a complex situation for many. People find it difficult to cope with the high medical cost. At times the treatment cost exceeds the budget frame of many. Seeking treatment is not as difficult as coping up the hospital charges. Such instances hamper the financial stability. It generates a threat on the hard earned money of people. Thus it is suggested to take a protective measure before any such situation comes in life. It would be justified to buy a health cover. The affordable health insurance assists the individual to settle the huge medical bills yet avail the quality treatment.While purchasing the plan a reputed insurer is a must watch feature. Only a trusted insurer like Apollo Munich can promise the delivery of benefits as and when required. Its easily affordable health insurance plan allows all to get insured as per their budget allowance. </p>]]></content:encoded> <wfw:commentRss>https://pavgvms.info/affordable-health-insurance-makes-arrangement-for-future-health-security,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Buying Stocks For The Long Run</title> <link>https://pavgvms.info/buying-stocks-for-the-long-run,html</link> <comments>https://pavgvms.info/buying-stocks-for-the-long-run,html#comments</comments> <pubDate>Tue, 04 Apr 2023 19:08:36 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[jeremy siegel]]></category> <guid isPermaLink="false">http://pavgvms.info/?p=56</guid> <description><![CDATA[Let’s start today off with a little pop quiz. What if you were presented with two stocks: Company A which will likely grow earnings at 10% annually, and Company B which will grow at 3% annually – which would you choose?Most investors might likely prefer A, the high growth company, over B, the low growth [...]]]></description> <content:encoded><![CDATA[<p> Let’s start today off with a little pop quiz. What if you were presented with two stocks: Company A which will likely grow earnings at 10% annually, and Company B which will grow at 3% annually – which would you choose?Most investors might likely prefer A, the high growth company, over B, the low growth company. But here’s the catch, a stock often trades at a value that has less to do with its fundamentals and more to do with investor expectations.Where Company A might be well positioned to grow, investors may feel way more bullish about Company A’s prospects that Company A might be able to deliver on. And that can cause more harm than good. So while Company A superbly executes and consistently delivers 10% growth, investors may have expected say 15% growth – and will punish Company A’s shares when results show a “mere” 10% increase.On the other hand, investor expectations for Company B may be at 1% annual growth and its stock could well get a boost when it delivers 3% growth.Crazy, but such expectations-based stock performance is rather common in the stock market. In fact, I remember my early days following stocks and being surprised when great stocks would get hammered even when they delivered fundamentally sound results… I’d be genuinely confounded but I soon caught on, and it’s this learning that I want to share with you… that it’s not enough to know how much a Company expects to grow its earnings, it’s equally important to also know what investor expectations are for that company.And this knowledge, my friends, also creates buying and selling opportunities. So if your fundamental analysis shows a certain stock value based on say 10% growth for Company A – you’d know when to sell if the stock rises above its fundamentals based on over-optimistic expectations, and when to buy when a solid performer gets unfairly beaten down.So, in a nutshell, and to quote Jeremy Siegel – a respected economist, “the long-term return on a stock depends not on the actual growth of its earnings, but on the difference between its actual earnings growth and the growth that investors expected.” So much for efficient market theories that say a stock price is based on its fundamentals!In fact, in his recent book – The Future For Investors – Siegel shares his research which shows that the top-performing firms in the S&P500 Index, grew earnings at a greater pace than expected, and that virtually all of these star performers paid out consistent and rising dividends which underscored their sound financials in investors’ minds.Siegel tells us that the top S&P500 performer was cigarette-maker Philip Morris, which delivered an average annual stock return of 19.5% since 1957 – incredible! – and paid out an average 4% dividend. Siegel attributes Philip Morris’s performance to low investor expectations because of ongoing investor lawsuits and smoking bans – and these low expectations provided the perfect environment for outperformance.So, as you go looking for stock superstars for your portfolio, I’d advise you to look for companies with the following characteristics:- has a consistent history of beating Earnings Per Share estimates (most analysts put out EPS estimates ahead of earnings calls so it’s easy to see if a company beats estimates or not)- grows earnings at least 5% annually, so it’s at least ahead of inflation- pays dividends consistently and increases this payout at some rate consistent with its earnings growth- as low debt so it does not run the risk of cutting dividends to service debt, or the risk of bankruptcy in an extreme case- and choose a company that has built a moat around itself. This means make sure it is difficult for other companies to get into the business. You want a company that can fight off the competition and keeps its financial structure intact.So the next time you’re screening for shares to buy for the long run, weigh investor expectations into your analysis… and if you need a refresher, you can always find this commentary on my blog or in the archives at onthemoneyradio.org.Good luck! </p>]]></content:encoded> <wfw:commentRss>https://pavgvms.info/buying-stocks-for-the-long-run,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Investing Wisdom From Howard Marks of Oaktree Capital</title> <link>https://pavgvms.info/investing-wisdom-from-howard-marks-of-oaktree-capital,html</link> <comments>https://pavgvms.info/investing-wisdom-from-howard-marks-of-oaktree-capital,html#comments</comments> <pubDate>Wed, 22 Mar 2023 15:38:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Investing]]></category> <guid isPermaLink="false">http://pavgvms.info/?p=53</guid> <description><![CDATA[Investing Wisdom from Howard Marks of Oaktree CapitalMy regular listeners probably heard one of my earlier segments where I spoke about Howard Marks, the 67-year old billionaire who co-founded investment management firm Oaktree Capital which now manages about $84 billion in assets and is a publicly-traded company with ticker symbol OAK.Oaktree focuses its investments on [...]]]></description> <content:encoded><![CDATA[<p> Investing Wisdom from Howard Marks of Oaktree CapitalMy regular listeners probably heard one of my earlier segments where I spoke about Howard Marks, the 67-year old billionaire who co-founded investment management firm Oaktree Capital which now manages about $84 billion in assets and is a publicly-traded company with ticker symbol OAK.Oaktree focuses its investments on high-yield bonds, distressed debt and private equity, and has delivered a whopping 23% average annual return over the past 25 years… so Marks has rightly earned his fame and fortune. To give you an idea of just how much a 23% rate of return is: If you invested $10,000 25 years ago, it would be worth $1,769,000 today.And, like Buffett, Marks too sends out folksy memos to Oaktree clients where he outlines his views on investing, the markets and the economy that are insightful, direct and sharply written. And today, I’m going to share a few insights from Marks’ latest memo – morphing his thoughts so they apply to individual financial planning. I’ve decided to break this up into a two-part series – with the first half of Marks’ memo today, and the rest to follow next week.Key Questions to Ask FirstSo in this latest memo, Marks first addresses philosophical questions on what to consider in setting up your investment portfolio. Once you have a clear idea on what your investment goals are, based on your retirement needs, Marks says you should discuss the following questions with your advisor:- Is it possible to build a retirement portfolio that can beat the market? If yes, then how, and to what extent can we beat the market?- What’s the best way to manage risk?- How do we define success, and what risks are we willing to take to achieve investment success?Then, as you build your portfolio, you’d want to balance it out between index investments (where you should not expect market-beating returns), individual stocks such as dividend payers, and perhaps some alternative investments to a smaller extent. If you’re closer to retirement, you might also want the safety of inflation-protected bonds. And for the safety of bonds, index investments and dividend stocks, you should be willing to accept “average” performance. But for the alternative investment portion of your portfolio, you should expect above-average or superior returns, as Marks calls it.Pick Funds that Dare to be DifferentFor your alternative investments where you’re seeking superior returns, look for funds that are backed by a strong track record, and where fund managers dare to be different. You see, if you pick a mutual fund that’s run by a manager who is essentially following or mimicking what others are doing, you’ll just end up paying high fees without getting any real bang for your buck.So for this alternative portion of your portfolio, look for managers that are courageous enough to be different and open to being wrong… managers who assemble a portfolio that is different from those held by most other funds. As Marks puts it, to be a top performer, the fund manager has to “escape the crowd” by being active in unusual market niches, buying things others haven’t found, don’t like or consider too risky to touch. A good alternative fund manager avoids what the market considers to be a darling, or all the rage, and engages in contrarian cycle timing, and concentrates heavily in a small number of things that he thinks will deliver exceptional performance… everything that personifies great investors such as Howard Marks and Warren Buffett.As Marks puts it “the cautious seldom err or write great poetry” in referring to fund managers that follow the herd.So look for fund managers who dare to be different, have a consistent history of market-beating performance and are transparent with their investors. That said, you also need to recalibrate your expectations with such alternative funds because their investments often could take longer to bear fruit… so only invest a small portion of your funds that you’re not planning on touching till you reach retirement… because if you picked the right alternative investment fund, those superior returns could compound very nicely over time.Now I know that it’s near impossible for most individual investors to really evaluate alternative investment funds, so this is where a good, qualified advisor can offer advice and help kick some of your returns into high gear.And as I mentioned above, Marks’ company – Oaktree Capital – is publicly traded with ticker symbol OAK, so you can buy shares to participate in Oaktree’s success; When you invest shares in OAK, you are not buying into Marks’ portfolio, but rather participating the company’s profit from its portion of the investment it takes for itself and the fees that are generated from his clients. Oaktree shares also offer a pretty compelling 7.7% dividend yield at current levels… but this is not a recommendation so please do your own research should you consider buying Oaktree.Most great investments begin in discomfort.Most people feel good about making investments where the underlying premise is widely accepted, where recent performance has been positive and where the outlook is rosy – but such investments are high in demand and are unlikely to be available at bargain prices.Bargains are usually found among things that are controversial, that people are pessimistic about, and that have been performing badly of late – investments that generate discomfort for most people. And this is where good alternative funds excel. For example, Oaktree Capital focuses on distressed debt – bonds issued by companies that are on the ropes in some way or another, bonds that are priced at pennies-to-the-dollar… bonds that comfort-seeking investors would not even think about. This discomfort is what causes distressed debt to be priced cheaper than it is really worth, and it’s one sector that has helped fuel Oaktree’s outsize returns. This area of investing is practically impossible for the typical investor to get into and one has to have superior skills in order to avoid being burned badly if things don’t work out.Marks also says; Dare to Be WrongMarks also reminds us that with courageous, discomfort-generating investments, you must also be prepared for failure as an inescapable potential consequence of trying to do really well. In other words, be prepared to lose money on this alternative portion of your portfolio… it’s not something anyone wants, but get into alternative investments with the understanding that non-mainstream investments could be harder to liquidate and have greater risk, and while your fingers are crossed for the upside, be aware that you could also lose money. That said, a good alternative investment fund should protect you significantly on the downside too.So look for alternative funds that invest judiciously, have more successes than failures, and make more on their successes than lose on their failures.Alas… No Magic FormulaMarks also cautions us that there is no easy formula to produce superior risk-adjusted returns – because if there were, everyone with a positive IQ would be rich.Or, as good ol’ Charlie Munger, Warren Buffet’s Partner bluntly puts it, “Investing is not supposed to be easy. Anyone who finds it easy is stupid” and does not understand investing’s complex and competitive nature. Hardly the words of someone who wants to be politically correct, but he makes a good point. Why should successful investing be so easy that the uneducated and lazy investor achieves superior rate of return? It just doesn’t happen that way.Superior investment results can only come from a better-than-average ability to figure out when risk-taking will lead to gain and when it will end in loss. And this is not easy task. So it’s good to look for fund managers that ideally have a strong background in economics, financial math, accounting and investment analysis.Okay, I’ll wrap up here for today, and continue with more on Howard Marks’ thoughts on investing next week. </p>]]></content:encoded> <wfw:commentRss>https://pavgvms.info/investing-wisdom-from-howard-marks-of-oaktree-capital,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://pavgvms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://pavgvms.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://pavgvms.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://pavgvms.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://pavgvms.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://pavgvms.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://pavgvms.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://pavgvms.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://pavgvms.info/fear-and-greed-in-the-market,html</link> <comments>https://pavgvms.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://pavgvms.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://pavgvms.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://pavgvms.info/5-areas-where-interest-rates-matter,html</link> <comments>https://pavgvms.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://pavgvms.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://pavgvms.info/5-areas-where-interest-rates-matter,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Utilize Colors strategically in website design</title> <link>https://pavgvms.info/how-to-utilize-colors-strategically-in-website-design,html</link> <comments>https://pavgvms.info/how-to-utilize-colors-strategically-in-website-design,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:30:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Computers]]></category> <category><![CDATA[Technology]]></category> <guid isPermaLink="false">http://pavgvms.info/?p=29</guid> <description><![CDATA[Color can be a powerful tool for website design. It can draw attention, convey emotion, inspire an atmosphere of desire, or directing conversation all these and more are accomplished through the clever and well-planned application of color. Similar to layouts and style of your words the color visitors will see on your website will determine [...]]]></description> <content:encoded><![CDATA[<p>Color can be a powerful tool for website design. It can draw attention, convey emotion, inspire an atmosphere of desire, or directing conversation all these and more are accomplished through the clever and well-planned application of color. Similar to layouts and style of your words the color visitors will see on your website will determine the way they feel about it and whether or whether they’ll return.</p><p>What makes color important for Website Design</p><p>Colors can increase the visibility of your brand and can also entice visitors to your website to engage. The impression they form subconsciously about your company could be based on your website’s color scheme. So when a web design firm is first deciding to design your site, they first look at two aspects – the feelings your brand wants to create, and the cultural and philosophical contexts that it would like to be in line with. This is the initial step to choosing the right colors for the design of your website.</p><p>Color Psychology – colors trigger emotions<br />Psychology of color is the term used to describe the impact that color can influence a person’s feelings behaviours, feelings, and moods. Although the rules are not fixed in stone, we are drawn to certain colors because they affect our feelings. The context here is crucial. Red could mean fear and risk to certain people, but enthusiasm and passion to other people. When using colors in web design, it should blend seamlessly with aspects of the website including copy, typography, and images.</p><p>Below are some colors and the emotions they bring. While they aren’t fixed in stone, these are generalizations and can have an impact on the people who are watching. This will help you determine the color of your choice in accordance with how you would like your viewers to feel and the actions you would like them to do.</p><p>• Red Power, Love passion, danger exhilaration</p><p>• Orange: fun, warmth, comfort, freedom, playfulness</p><p>• White Peace, Clarity pure, purity, and cleanliness</p><p>• Blue: calm, confidence peace, trust and logic, as well as reliability</p><p>• Purple: luxury, sophistication, mystery, loyalty, creativity</p><p>• Pink: gentleness, sincerity, nurturing, warmth</p><p>• Green: health, nature, prosperity, abundance</p><p>• Brown nature protection, security, support</p><p>• Yellow: happiness, creativity, optimism, friendliness</p><p>• The Black: class, control power, sophistication and depression</p><p>Cultural Context<br />While various colors could have different meanings for individuals, colors can are also associated with cultural significance. In many Western countries, it is believed that black symbolizes mourning and death, while the same color is used in a variety of Eastern nations.</p><p>The color Red is thought to be associated with focus and pressure in Western culture, while many Eastern cultures believe it is associated with luck. It is important to consider the context when making a selection of colors. Most of the time, you’ll prefer to select the colors of your company based on the audience you want to reach. Based on the location where your market is located the colors displayed on your site could convey significant messages in different ways.</p><p>However, it’s not always the case particularly when it comes to massive and well-known brands that have images already embedded in our consciousness. The red color of Coca-Cola or KFC, for example, will typically have no negative associations anymore, considering the extent to which well-known and loved they are.</p><p>The Basics of Color Theory</p><p>Theory of Color is an established set of rules that can be helpful in understanding and creating complementary colors and combinations. These basic principles can assist you in creating a color colour scheme that is appropriate to your company’s specific requirements.</p><p>Primary Colors: They are three in total – blue, red and yellow.</p><p>Secondary Colors: These colors are created using primary color combinations like the green (yellow and blue) and orange (yellow and red) along with purple (blue plus red).</p><p>Tertiary Colors: These are colors made by mixing primary with secondary color.</p><p>Shades, Tints Tones: The colors listed above are referred to by some as “pure shades”. But, these colors can be used to create other colors. Tints are created by adding white to pure colors, which makes them less intense and lighter. Shades are created by adding a lack and making them heavier and more powerful. It is possible to use white and black in different levels to create tones using pure hues.</p><p>Contrast: Contrast is the perception of the difference between two hues when put next to each other. The greater the contrast, the more the two colours stand out from one another. This is a crucial idea since different levels of contrast can make an entirely different look to your site. A text that is colored and placed with a background that is low in contrast could cause issues with reading. Contrast may also make certain elements stand out (or even deflect attention from particular elements when used effectively) in your website and can make them stand out visually.</p><p>Color Models</p><p>When designing graphic designs, color is defined using color models. This is due to the fact that it is possible to find millions of different colors and it’s impossible to list every single one. The standards were developed to allow us to easily define colors by using numbers.</p><p>RGB Model: The model that is used when working with designs on the screen. RGB refers to Red as well as Green and Blue. The three colors are assigned a value of zero to 255, and the different combinations give us different shades. The colors are typically displayed as color codes, six-digit hexadecimal code numbers. It’s an “additive” color model.</p><p>CMYK Model: This model is utilized to print for printing purposes. It is a combination of Cyan, Magenta, Yellow and Black Each color is described using its proportion of these colors. It is a “subtractive” colour model.</p><p>the LAB Model: The word LAB means lightness, A channel as well as B channel. It’s a more complicated model. It includes the lightness factor, which is a range of zero to 100, an A component that is located on the red-green axis, and a B component that is located on the blue and yellow axis. This means that the color description is more akin to human perception when compared to RGB and CMYK models.</p><p>Making Color Palettes</p><p>The first color you select for your website is the primary color of your company’s branding (Red is the color of Coca Cola, for example). This is where the psychology of color is particularly useful. The color you choose is in accordance with the feelings and the personality you want to communicate. Following that, you build your color palette with the colors that complement the base color. This is the time when the color wheel is used.</p><p>Color Wheel: A color wheel can be described as an instrument that is used to illustrate the connection between different colors. It’s basically an abstract drawing that arranges different hues of color within a circle.</p><p>With the aid of a color wheel, you have are five primary types of color palettes you can make with the help of color wheel</p><p>Analogous Palette: Analogous colors are put on top of each other in the form of a color wheel. They are in low contrast against each other and work well together, giving an elegant effect.</p><p>Monochromatic Palette: The palettes are made up of one hue that is distinctive, and is complemented by elements of various colors and hues. The palette is appealing to look at. To prevent an uninteresting look it’s beneficial to add different colors, or even complimentary elements to your website.</p><p>The HTML0 Triad Palette – This palette is composed of three colors, which are evenly spaced from each other on the wheel of color. This method should be employed with care, and not only to select colours that go well with each other and blend well but also to utilize the colors in a way that doesn’t appear too cluttered and loud.</p><p>Complementary Palette: The Complementary palette is made up of colors that are on opposite sides of the spectrum of colors. This is a great way to create striking art designs that attract attention to certain parts of your site.</p><p>Split-complementary Palette: The palette is similar to complement palettes, but it has another color placed beside one of the colors that complement each other on the wheel of color. If used correctly this design can be effective in creating a natural appearance without too much sound.</p><p>Effective Tools to Inspire</p><p>Inspiration for new colors can be found everywhere from competitor websites to nature, and the beautiful outdoors. It’s also beneficial to keep abreast of the new trends in branding. Here are some helpful tools to help you get going with fresh color concepts right away.</p><p>Pinterest The website Pinterest is a wealth of color palette concepts developed by designers from all over the globe. They can be an incredible source of ideas.</p><p>Pantone: The color Pantone has been the leading company in the area of color. It is an index of color that determines the various shades of the various hues. The most recent trends in color in fashion and design generally stem from pantone.</p><p>color-scheme Creation Websites: There are many dedicated color websites for designers that can assist you in creating colors and play around with the palettes in any way you would like. This is a fantastic opportunity to try out and create new palettes for yourself. Websites such as Adobe Color Wheel, Color Collective along with Design Seeds can be great for quick ideas.</p><p>Conclusion</p><p>While color alone may not be the sole factor in website design, it does play an important role. If used properly and in a way that is appropriate, the color(s) that you use be a defining factor for your company’s image. Utilizing the tricks and tips that were mentioned earlier, you will not have any issues using colors in your web design to get the most impact.</p>]]></content:encoded> <wfw:commentRss>https://pavgvms.info/how-to-utilize-colors-strategically-in-website-design,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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