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Some people, specifically, those who are arguing to raise Bitcoin fees, have been using "developing the fee market" as a euphemism for artificially creating higher fees by restricting the supply of transaction slots (aka the maximum block size).
Let me remind everyone that we already have an existing and very effective "fee market." One does not "develop the fee market" by enacting measures that raise fees. The word "market" cannot be used as a stand-in for wanting higher prices.
The two phrases, "developing the X market" and "wanting higher prices for X," are not equivalent. They do not even type-check -- they cannot be substituted for one another. If you want higher wheat prices, you need to argue for "wanting higher wheat prices," not for "developing the wheat market."
Because of Bitcoin's design, where a block is issued every 10 minutes with at most 1MB of transactions in it, transaction slots can become a valuable commodity. Fees control access to these slots .
There are lots of good reasons to want to keep block size on the smaller side, and thus to keep the fees artificially high.
The main reason is that most transactions on the network seem to be for activities that do not correspond to meaningful economic activities in the real world. People who push this argument typically make the case that these low-value transactions are for gambling, and that these gambling operations should just use a different mechanism other than the blockchain for their operations. In other cases, these payouts seem to be getting issued to Bitcoin miners, who are, in some sense, gamblers looking to make money by solving a cryptopuzzle, but in any case, these transactions do not corresponding to useful economic activity in the real world. Higher fees would force these people to seek alternative forms of payment, and free up the blockchain.
A second reason is the concern over the cost of owning a node. The people who raise this argument rarely ever actually cite numbers, because the actual costs are somewhere between infinitesimally small and very small, but nevertheless, the argument goes as follows. If the maximum block size goes up by a factor of 10, storage and bandwidth costs can go up by a factor of 10, especially if some bad actors issue large amounts of spam transactions. Now, we do know of measures for detecting and stemming such spam attacks, such as performing flow analyses to see if they are coming from the same sources. But nevertheless, an increase in costs could yield a drop in the number of nodes that make up the Bitcoin network. Whether such a drop will actually happen, and whether we really need 6500+ nodes in the network, are all up for debate. But nevertheless, there is a valid cost concern, and there remains a quantitative argument to be made, though I have never seen anyone enunciate it properly.
A third reason is that larger blocks may raise minimum cost to operate a node and cause some nodes to fall off of the network. The people who make this argument point to an outlier case, such as Luke-Jr's hash power behind a very slow network in Florida (for which we have only his word), and worry that we will lose nodes like his if we increase the size -- the minimum required resources will just not be available. This argument is perfectly valid, and making it properly involves specifying and committing to a "minimum viable platform." It also requires characterizing the resources available to the current set of full nodes. Without an MVP-specification and node characterization, there is nothing to stop us from torquing the protocol to support wristwatches on the Sahara.
What is not a good argument is that "we don't have experience with what will happen when the fee market develops, and it will have to develop eventually, so let's hasten the day." I do not have experience with my old age. I do not go around artificially inducing osteoporosis  to get ready for my old days -- instead, I make the best of my working days when I'm blessed to have a working skeleton.
Please stop with this practice of using the "developing the fee market" euphemism. It is disingenuous and reflects badly on those who engage in it.
The debate will be much clearer if you can explicitly name the outcome you want, and then build a logical argument for that outcome. Everything else is just rhetoric.
|||There are some slots that are reserved for very high priority transactions, and the rest are typically allocated to the highest-paying transactions.|
|||The first version of this sentence was "I do not go around artificially disabling my liver" but then I realized it was neither accurate nor would it resonate with the audience.|


Federal Funding Sources
A competitive/discretionary grant awards funds on the basis of a competitive process.
The applicant must design the proposal, and the funding department will review and rank the proposals. The review procedure gives the department the option to determine which applications best address the program’s purpose and requirements, and are therefore most deserving of funding.
Federal Entitlement Programs allocate funds from the US Department of Education to State Education Agencies, which are in turn distributed to school districts.
Non-Competitive (Federal Entitlement) Programs:


After acquisition, Marlin immediately went to work looking for production cost changes they could make in terms of cost savings time and manufacturing processes in order to lower production costs, increase production, and be able to produce the Smith profitability. I don't recall the first reference I read regarding changes in case the hardening processes; but the information I published as part of the Charles Jarred story came directly from a personal friend of Charles Jerred, Ken Sweet, and Mr. Jerred's widow and son. When Mr. Jerred began work at Hunter Arms he was assigned to the hardening department; an accident there with cyanide burned his eyes and he was temporarily blinded. The company contacted his wife (the Jerred family lived in Fulton and had no automobile); and Mrs. Jerred walked to the gunworks, took Charles by the hand and lead him home like a little child. Ken told me that Marlin had changed to the cyanide process because it was faster and cheaper; and that it took them some unknown amount of time to perfect the new hardening process, as their first efforts resulted in brittle frames. Certainly some of the early guns would have been finished and shipped from inventory on hand, and early production guns charcoal hardened as Marlin's changes were implemented; so I have no effective change date, but will continue to rely on the Jerred's and Mr. Sweet's first hand accounts. But one thing's for sure, whatever changes Marlin made were very successful, as an average of better than 13,000 Smith guns were produced annually under Marlin's tenure; and prior to Marlin, only twice had Hunter Arms production exceeded 13,000 guns in one year.


The paper check-off panel is a group of industry executives representing the various grades of paper and paper-based packaging, formed to shepherd the industry-initiated effort to establish a paper and paper-based packaging promotion, research and information program. Us treasury requires electronic federal benefit payments if you still receive a paper check for your social security or other federal benefit payments, you are out of compliance with the law. Welcome to the national soybean research database soybean growers have invested in a wide array of research projects funded by state soybean checkoff organizations, the north central soybean research program, and the united soybean board that focus on soybean production, developing new soybean uses, and other initiatives to improve crop yields and sustainability. The paper industry voted overwhelmingly to create the paper and paper-based packaging promotion and research program (paper check-off) in the november referendum the publication of the final rule now puts in motion the steps to create the program.
Turnitin provides instructors with the tools to prevent plagiarism, engage students in the writing process, and provide personalized feedback. Federally funded preschool and family support program for low income families works in partnership with local communities. Check your us health care policy to see if it will cover you overseas if not, consider buying supplemental insurance make sure the insurance you purchase covers any special medical needs or risks you anticipate on your trip. Since 1966, congress has authorized 22 industry-funded research and promotion (r&p) boards to provide a framework for agricultural industries to pool their resources and combine efforts to develop new markets, strengthen existing markets and conduct important research and promotion activities.
Give your paper a strong advantage by having it written by a professional with a diploma and a couple of years of practice perfect formatting, editing, and a captivating plot are all guaranteed all the papers you get from payforessay are meant for research purposes only. Formatting a research paper if your instructor has specific requirements for the format of your research paper, check them before preparing your final draft when you submit your paper, be sure to keep a secure copy. The check is no good, even though it appears to be a legitimate cashier's check the lottery angle is a trick to get you to wire money to someone you don't know if you were to deposit the check and wire the money, your bank would soon learn that the check was a fake.
Paperrater uses artificial intelligence to improve your writing includes grammar, plagiarism, and spelling check, along with word choice analysis and automated grading. Since the program's founding in 1994, more than 1 million americorps members have contributed more than 14 billion hours in service across america while tackling pressing problems and mobilizing more than 23 million volunteers for the organizations they serve. For example, you might need to provide a voided check for setting up direct deposit, or you might have a one-off situation that requires a paper check banks usually offer small quantities of checks with your account information printed on them for a small fee. Sider a check-off program include the opportunity to improve business conditions, grow the market, secure stable funding and eliminate free riders, develop new products and applications, reduce costs, consolidate.
The bad check restitution program must respond to you within 30 days or drop the case file a complaint with the cfpb: you may be able to resolve the issue without taking legal action if you believe that a debt collector has misrepresented itself or violated your rights, file a complaint with the cfpb. A checklist is a structured form or questionnaire for collecting and analyzing data this is a generic tool that can be adapted for a wide variety of purposes collecting and analyzing data is important for identifying and understanding problems and thus making appropriate changes to solve these problems. Papercut ticked every box and then some and slotted perfectly into our network environment papercut is a huge time-saver - with easy access straight from the desktop, it maintains all of our print management accounting for us and provides excellent print security. The usda has published a proposed rule for the paper and paper-based packaging promotion, research and information order, also known as the paper check-off program. The paper check-off will build a promotional program to showcase the positive attributes of our products the paper check-off was initiated by a panel of industry leaders and approved by the companies through a usda referendum.
The program will assist agencies in lowering the high cost of insurance, reducing the number of unplanned outages and extending the life of the state's boiler and machinery equipment and all other equipment. The behavior education program: a check-in, check-out intervention for check-in, check-out form: elementary school version student name paper pencil notebook. Grammarly's online proofreader adapts to whether you need to proofread an academic paper, a business cover letter, a casual email, or even a novel. You may choose to use a checklist for each type of industrial truck in your workplace or compile one that can be used for any type of truck refer to the owner's manual, specifications and manufacturer's recommendations to modify the checklist for trucks being operated in your workplace.
Shop office depot and officemax for low prices on office supplies, office furniture, paper, ink, toner, electronics, laptops, services, folders order online or pick up in store. Paper and paper-based packaging offers a renewable, recyclable products choice for our customers and consumers, and the paper check-off program would offer us a unique opportunity to make a sustained investment in telling our story in a targeted and positive way.
The paper and paper-based packaging board announces the selection of mary anne hansan as executive director of the paper check-off program hansan is a seasoned marketing and communications veteran who has overseen industry marketing initiatives for diverse industry categories including flowers, plastics and most recently canned tuna. Try our free checklist maker tool, or discover and use our free checklist templates, published by thousands of productivity experts from all over the world. A check register is a list of transactions in your bank account, along with a running balance that tells you how much money you have available to spendyou can use paper, apps, or spreadsheet templates to keep these records. Printable list in pdf format this selection of free printable lists includes to-do lists and checklists click any paper to see a larger version and download it.


Urgently needed money for a new or used car?
A car now has a very strong place in the everyday life of a human, as it is used every day to master the everyday challenges. How valuable a car can be, however, man usually not realizes until it is no longer available to him. Especially among young people, the importance of a vehicle is underlined again, because it is very common that a new job requires a certain mobility. But even if the vehicle gives up its spirit and a repair from an economic point of view does not seem more profitable man can quickly come to the thought ” urgently need money for a car!”. The only advantage of such a case for the person concerned is that the current loan-based loan arrangements are extremely favorable. Caution is advised, however, because there are pitfalls in the train of thought “urgently need money for a car”, which can be very expensive in the long run.
Need urgently money for a car – what is to be considered?
There are several variants to get the needed money for the vehicle. The problem urgently needs money for a car is basically not at all, as the Internet as a market for finance for each man holds the right solution ready. The crux is ultimately how fast the money is actually needed. If the affected person still has some time left with the purchase of the car, then an effective credit comparison of all available conditions should definitely be envisaged. This step is also recommended for short-term needs. The passage to the well-known major bank is in this case, however, less recommendable, since car financing here is usually a bit more expensive than a free bank. About the dealership, the vehicle can also finance, but this circumstance is really worthwhile only for new vehicles. For used vehicles, a comparison should be made of all available offers, as the most common used car dealers usually only work with a single bank through which they handle their vehicle financing.
As a rule of thumb, however, any person affected can hold for themselves that a comparison should be made in principle to save cash. Eventually, the conditions can even be improved by giving the old vehicle in payment. Many car dealerships also offer special financing for young people who are just beginning their professional lives. However, the terms should include a special payment and a full repayment without prepayment penalty.


Source: Investment Update, Vietnam Investment Review, 14 November 2016.
The Vietnam Investment Review is reporting that, as of 20 October 2016, Australia has invested a total of USD1.745 billion of registered capital across 326 projects.
Leading the FDI (Foreign Direct Investment) table is South Korea followed by Japan and Singapore, as per below:
- South Korea: USD50.2 billion (5,584 projects)
- Japan: USD42 billion (3,229 projects); and
- Singapore: USD37.7 billion (1,758 projects).
In terms of FDI into Vietnam from 1 January – 20 October 2016, Australia invested in 27 new projects for a combined amount of USD90.68 million. Expanded capital for the same period was USD 113.6million.
Australia’s rate of investment per project is one third of average
In total, Australia’s average rate of investment per project was USD4.57 million which is one third (34.7 per cent) of the national average of USD13.14 million.
For more statistics on the bilateral trade relationship between Australia and Vietnam, click here.
OTHER NEWS ON THE AUSCHAM WEBSITE
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FlexiGrid Project Demonstrates Potential of Local Energy Storage and EVs for Grid Services
The FlexiGrid project’s demonstration of flexibility measures and grid services has shown that local energy storage and EVs have great potential for providing valuable grid services. Effective communication architecture between flexible assets, energy management tools, and IoT platforms is crucial for achieving this goal. Learn more about how the FlexiGrid project is paving the way towards a more resilient distribution grid that leverages local resources for greater sustainability.
Webinar: Policy development and value of increased local flexibility
Ongoing policy and legislative change offer both challenges and opportunities of increased flexibility in local electricity network. Learn more...
FlexiGrid Project Successfully Demonstrates Centralised Energy Market Using IoT
The FlexiGrid project, funded by the European Union’s Horizon 2020 research and innovation program, has successfully demonstrated the potential of IoT in enabling a centralised energy market. The project’s Task 6.3, led by experts from Chalmers University of Technology and RISE, aimed to improve the design of two markets and demonstrate them in real-life using a local IoT platform.
Unlocking Grid Flexibility with Smart Management
FlexiGrid project completes successful demonstration activities for providing grid flexibility with electric vehicles and stationary batteries. Read more about the outcomes and test cases carried out.
Bulgarian demo ready to launch
We want to share a short update about two project partners, Entra Energy and Energo-Pro, who are busy preparing the activities of the Bulgarian demo case.
Strategies for increased flexibility in the electricity grid
FlexiGrid has studied which barriers DSOs face and which strategies can be used to create the conditions for more innovation.
FlexiGrid brings opportunities to the Bulgarian energy market
Verzhinia Ivanova from Entra Energy’s bachelor thesis ‘New opportunities on energy markets by the example of FlexiGrid’.
Consortia meeting in Sion
The FlexiGrid partner HES-SO University hosted the consortia meeting in Sion, Switzerland in December 2022. Focus of the meeting, as the project is...
Towards more flexibility in future electricity markets
Local electricity markets where you get paid to be flexible is one way of contributing to solving the energy challenges of the future.The increased...
Flexibility and Energy Management part of solving Europe’s energy crisis
There will be 1 million electric vehicles on Turkey's roads by 2030, and studies show that electricity demand by 2030 will be met if the policies...
Video: Flexibility in the Swiss alps
Watch researcher Jessen Page, HES-SO, explain how his group develops flexibility services for the local grid owner.
FlexiGrid presented at the PSCC 2022 conference
Local flexibility services reduce the transmission system’s operation and investment costs even in the absence of TSO-DSO coordination, as long as local flexibility was procured by the DSOs to reduce the peak power cost of their distribution grids.
A typical flexibility service procurement deal
Energo-Pro, one of the three biggest DSOs in Bulgaria, will be choosing around 20 participants producers, prosumers and consumers, connected to its network. We have listed the typical stages of a flexibility deal.
Smart meters make Bulgarian energy consumers flexible
Consumers of electricity can provide important flexibility to the power grid during peak-hours. By connecting a smart meter the consumers get access to a flexibility market provided by FlexiGrid.
Webinar in Swedish: Flexible grids, obstacles and solutions
Horizon 2020 projects FlexiGrid and Coordinet collaborate in this webinar about the major obstacles that flexibility markets face. This webinar is in Swedish.
FlexiGrid’s Swedish demo site
This spring we started the demonstration phase at FlexiGrid’s demo site at Chalmers University of Technology in Gothenburg, Sweden. The site is owned by Akademiska Hus and developed by them in collaboration with Chalmers. In the video Chalmers researcher David Steen gives an update.
Eflex – the trading platform
Learn about the Eflex platform, FlexiGrid’s trading platform enabling flexibility for the power grid.
Watch our webinar about congestion forecasting
Watch our webinar about congestion forecasting. In this webinar the Horizon 2020 projects FlexiGrid and BD4OPEM collaborate and present their findings regarding congestion forecasting.
Sell your car’s power when you don’t need it
In FlexiGrid’s Turkish demo case, the electrical vehicle is used as an asset to limit the potential congestion-related problems in the future and provide flexibility in the local distribution network.
FlexiGrid’s IoT platform integrates V2G
The IoT platform is at the core of FlexiGrid, connecting all the technology developed in the project. Controls and monitors the flexibility that the electric vehicle can provide.
Ease peak-hour with flexibility
Currently, within the scope of the FlexiGrid project, a demo-area to test energy flexibility services is being built in Switzerland, led by HES-SO.
The role of flexibility in the energy transition
The energy system is transforming from traditional to cleaner energy sources. With new technologies, this leads to changes. Turmoil in the energy markets and the record
Buildings provide flexibility at Akademiska Hus pilot-site, Sweden
With an increasing demand for electricity, flexibility services become an important part of the green transition towards fossil-free energy....
FlexiGrid webinar on flexible markets
In this webinar you learn about the possible flexible markets developed by the FlexiGrid project.
Local energy markets simplified in Sweden
The establishment of local energy markets is simplified following an amendment to the Swedish ordinance on exemptions from the requirement for network concessions.
Vehicle-2-Grid at FlexiGrid’s Turkish pilot
OEDAS is preparing for future scenarios and new business models in the electricity distribution network. In parallel with the increasing number of...
Why DSOs need an IoT platform
The increasing amount of prosumers, citizens and organisations both consuming and producing electricity for the grid and providing flexibility from...
FlexiGrid part of Swiss Campus Energypolis
Energypolis in the middle of the Swiss alps is a new innovative campus area that is just being built with a focus on energy innovation. It is also...
Flexibility in the Gothenburg grid
Our demo site located in Gothenburg develops tools and experience for grid monitoring, control and flexibility intervention and also a local energy...
Akademiska Hus’ buildings bring flexibility to the fossil-free energy system
As part of the EU-project FlexiGrid, new ways of implementing flexibility technology are currently being tested at Campus Johanneberg in Gothenburg, Sweden. Its area and infrastructure have all the properties of a small city, says Per Löveryd, at Akademiska Hus.


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The TS segment provides IT staffing and technology solutions and products under the Magna Infotech, Brainhunter, Mindwire and MFX brands. We provide a comprehensive range of IT and ITeS related staff augmentation and consulting services in India, South East Asia and North America. Our sophisticated datacenters at Ridgefield Park, New Jersey and Roanoke, Virginia are SSAE 16 SOC1 Type II compliant facilities, and are strategically located in different regions in the United States to ensure disaster recovery protection and meet applicable regulatory requirements. We own and operate offshore delivery and development centers in Chennai and Bengaluru in India.
Our TS business includes over 1,150 core employees and 8,900 associate employees serving over 300 clients. Our key clients in the TS segment include four Fortune 50 clients ranked in the Fortune 500, 2015 list, large internationals banks as well as large Indian IT consulting and systems integrator companies.


Moving your company to a new location typically implies that you are expanding defied the circumstances and stress. You have managed to make your expenditure, it is starting to pay off, and now you are growing your business by relocating to a different apartment or shop to expand even more.
Outsourcing the removals to Amsterdam of a reputable moving company will provide you with the necessary protection to keep your company running smoothly throughout this period of change. A business moving firm has the knowledge and people to ensure the transfer is secure, whether you have equipment storage, sensitive and fragile products, or half-finished projects that need to be processed.
Request two to three references from the mover for previous moves they have completed for firms comparable to yours. Several movers that represent themselves as business movers essentially undertake residential relocations. These firms will not be able to provide references for similar enterprises that they have recently relocated to. Requesting relocation references will undoubtedly assist you in separating the fakers from the experts.
Please inquire with the mover about issuing an Insurance certificate on their business insurance policy, naming your firm and the property manager as additional insured. This gives important coverage against property damage and workers’ compensation payments. This is a very popular suggestion. If the operator hesitates or rejects, he either has a bad safety record or lacks professional packing expertise and therefore should be ignored.
A strategy for action
After doing a pre-move assessment with potential movers, ask providers to present a clear plan of action as well as an estimated cost. The strategy should include details like how many vehicles, workers, and logistics support they will dedicate to your operation, how the transfer will go, and how long it would take from beginning to end. Do you think this is realistic, and does it satisfy my standards and outcomes?
Net costs vs. hourly rates
Make sure you are not exclusively concerned with hourly fees. Many organizations have chosen a mover based on an average hourly fee only to discover that the relocation took far longer than expected. This will result in a greater overall cost than if you used a more reputable and well-organized business moving firm. If a moving company’s quote appears to be too genuine, it most often is.
Your employees will not be able to function at full potential if your firm is always in flux. You are losing revenue if your work capability is consistently hampered. From assessing the task, an expert commercial mover may determine a realistic time frame. While racing to meet the deadline might be risky, sticking to a schedule, or at the very least disclosing any delays, will be critical for your business’s transformation. Please inquire with the mover about how they deal with such situations and how often they arise.
During your firm’s professional move, your moving company will make a big difference between stumbling and striding. When hiring an experienced mover, please keep track of it and search online.


Harnessing cultural heritage as a rural development tool in Slovakia.
Projects & Practice
Global Eco – Inno Eco is a transnational cooperation project aimed at boosting the green economy and sustainable businesses in the participating rural areas.
Refurbishment of a mountain path to stimulate economic activity and thus contribute to the revitalisation of the neighbouring rural areas.
Restoring the production potential of damaged forests through clearing, afforestation and preservation of young forest stands.
Restoration of a deteriorating forest road and the construction of a wooden lookout tower in order to protect 1500 ha of forest from forest fires.
An intervention supporting the sustainable management of forest resources, leading to improved economic performance.
Protecting and promoting traditional vegetables can lead to increased incomes for farmers and environmental benefits for society.
A Slovak state enterprise used EAFRD funding to plant new forest seedlings and develop a forest road for maintenance activities, strengthening the forest’s sustainability.
A cork producing business confronted high production costs due to increasing cost of raw materials. To tackle this the company used EAFRD support to restore its own forest and improve its productivity.


News and Media specifically aimed at, by or for the UK business community. News and media in this context includes printed newspapers, journals and magazines, as well as ezines.
Breaking news along with features including Money Guides and questions and answers. Audio and video clips and online programmes.
Advice and problem solving articles, buyers’ guides, case reports, CFA bulletin, flooring contractor profiles, diary of events, and installation of the month.
Magazine for design engineers. Includes extensive magazine archives, product search facilities and industry and technology news.
Provides a guide for British people doing business in Europe. Includes editorials, business, finance, news review, business travel and lifestyle, property and events.
National and world business news, analysis and comment. Includes market and investment reports, Citywire breaking news, and Business Monthly for entrepreneurs and small businesses.
Financial news, reports and analysis for the global textile industry. Includes registration, subscription information, and sample download.
Offers a range of business information, articles, news and advice.
Publishes a range of industry specific titles. Includes links to information about each one.
A news service covering how ideas get from lab to market. With a network of leading journalists and scientific institutions, the company reports on technology, licensing, and spin-off investment.
Magazine for signmakers, engravers, screen and digital printers. Published bi-monthly, the magazine covers the latest news, products and services relevant to the sign making industry.
A regional publication for the pub, club, hotel, restaurant and licensed trade.
Provides news, information about UK franchise opportunities and guidance features for both franchisors and franchisees.
Includes breaking news and online share prices plus analysis and comment, market indicators, Explained background features and links to Special Reports.
News, analysis and comment from the Sunday newspaper.
Company and industry news archive, organised by company name.
Thanks to DMOZ, which built a great web directory for nearly two decades and freely shared it with the web. About us


In today’s fast-paced world, managing debt has become a critical aspect of maintaining financial stability and achieving long-term financial goals. Debt, when left uncontrolled, can quickly spiral into a burdensome cycle, causing stress and hindering financial growth. This outline aims to provide practical strategies for consolidating loans and regaining financial control, empowering individuals to take charge of their financial well-being.
Understanding Debt and Its Types
A. Differentiating between good debt and bad debt:
- Definition of good debt: Debt incurred for investments or assets that have the potential to appreciate in value or generate income, such as student loans (leading to better job prospects), business loans, or mortgages.
- Definition of bad debt: Debt accumulated for non-essential expenses or depreciating assets, like high-interest credit card debt for luxury purchases or vacations.
B. Identifying various types of debt:
- Credit Card Debt: Unsecured debt with high-interest rates, often used for daily expenses or emergencies.
- Student Loans: Loans taken to finance education, available at varying interest rates and repayment terms.
- Personal Loans: Unsecured loans with fixed interest rates, used for various purposes.
- Auto Loans: Loans for purchasing vehicles, secured by the car itself.
- Mortgages: Loans for buying real estate, secured by the property.
- Medical Debt: Debt accrued due to healthcare expenses.
- Payday Loans: Short-term, high-interest loans, usually due on the borrower’s next payday.
- Business Loans: Loans taken to finance business operations or expansions.
C. Analyzing the current debt situation:
- Gathering all debt-related information: Listing outstanding debts, lenders, interest rates, and monthly payments.
- Calculating total debt: Adding up all debts to determine the overall debt burden.
- Reviewing debt history: Identifying any missed payments or delinquencies affecting credit scores.
- Understanding debt-to-income ratio: Assessing the ability to manage current debt based on income levels.
Assessing Financial Health
A. Creating a budget to understand income, expenses, and debt obligations:
- Tracking income: Recording all sources of income, including salaries, bonuses, freelance work, or rental income.
- Itemizing expenses: Categorizing and listing all monthly expenses, such as rent/mortgage, utilities, groceries, transportation, entertainment, and others.
- Identifying discretionary spending: Recognizing non-essential expenses that can be reduced to free up funds for debt repayment.
- Analyzing cash flow: Comparing total income with total expenses to determine available funds for debt repayment.
B. Calculating debt-to-income ratio and understanding its significance:
- Defining debt-to-income ratio: The ratio of total monthly debt payments to gross monthly income, expressed as a percentage.
- Ideal debt-to-income ratio: Generally, a lower ratio (e.g., 36% or less) is preferable, as it indicates better ability to manage debt.
- Impact on borrowing capacity: Lenders use this ratio to assess an individual’s creditworthiness and eligibility for new loans.
C. Reviewing credit score and credit report for potential improvement areas:
- Obtaining credit reports: Requesting free credit reports from major credit bureaus to review credit history and account information.
- Checking for errors: Ensuring that all reported information is accurate and disputing any inaccuracies found.
- Understanding credit score factors: Identifying key factors influencing credit scores, such as payment history, credit utilization, length of credit history, and credit mix.
- Implementing credit-building strategies: Developing a plan to improve credit scores over time through responsible credit use and timely payments.
D. Assessing emergency savings:
- Importance of emergency funds: Understanding the significance of having savings to cover unexpected expenses and avoid relying on credit in emergencies.
- Setting savings goals: Determining an appropriate amount to save as an emergency fund (e.g., three to six months’ worth of living expenses).
- Incorporating emergency savings into the budget: Allocating a portion of income to build and maintain the emergency fund.
Debt Consolidation Options
Debt consolidation is a strategic approach that allows individuals to combine multiple debts into a single, more manageable loan or payment plan. By simplifying the repayment process, debt consolidation can help borrowers regain control over their finances and potentially reduce overall interest costs. Here are various debt consolidation options to consider:
A. Debt Consolidation Loans:
- Definition: Debt consolidation loans are personal loans obtained from banks, credit unions, or online lenders to pay off existing debts.
- How it works: Borrowers use the proceeds from the consolidation loan to repay all outstanding debts, leaving them with a single loan and one monthly payment.
- Simplified payments with a fixed interest rate and term.
- Potential for lower interest rates compared to credit cards and other high-interest debts.
- Requires a good credit score to qualify for favorable loan terms.
- May incur origination fees or prepayment penalties.
B. Balance Transfer Credit Cards:
- Definition: Balance transfer credit cards allow individuals to transfer existing credit card balances to a new card with a lower or zero percent introductory interest rate.
- How it works: Borrowers consolidate credit card debt onto the new card, typically with a promotional period of low or no interest.
- Potential for interest-free payments during the promotional period.
- No need for a separate loan application process.
- Introductory rates are temporary; higher interest rates apply after the promotional period.
- Balance transfer fees may apply, usually a percentage of the transferred amount.
C. Home Equity Loans or Lines of Credit:
- Definition: Home equity loans and lines of credit allow homeowners to borrow against the equity in their homes.
- How it works: Homeowners use their property as collateral to secure the loan, which can be used to pay off existing debts.
- Lower interest rates compared to unsecured loans or credit cards.
- Interest on home equity loans may be tax-deductible in some cases.
- Puts the home at risk; failure to repay the loan may lead to foreclosure.
- Closing costs and fees may apply.
D. Debt Management Plans (DMP):
- Definition: DMPs are offered by credit counseling agencies to help individuals repay their debts through structured payment plans negotiated with creditors.
- How it works: Borrowers make a single monthly payment to the credit counseling agency, which distributes the funds to creditors according to the negotiated plan.
- Simplified payments and potentially reduced interest rates.
- Guidance and support from credit counselors.
- Requires commitment and discipline to complete the plan.
- May impact credit scores during enrollment.
Managing debt and regaining financial control are essential steps towards achieving long-term financial stability and freedom. The journey to debt freedom requires discipline, commitment, and informed decision-making. By following the strategies for consolidating loans and taking charge of their financial well-being, individuals can pave the way to a brighter financial future.


The Effect of Regulatory Constraints on Fund Performance
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A1 Alkuperäisartikkeli tieteellisessä aikakauslehdessä
Review of Finance
AbstractThis article examines the effect of regulatory constraints on fund performance andrisk by comparing conventional and UCITS hedge funds. Using a matching estima-tor approach, we estimate the indirect cost of UCITS regulation to be between 1.06%and 4.05% per annum in terms of risk-adjusted returns. These performance differen-ces are likely to stem from UCITS constraints such as those governing eligibleassets, diversification, and short selling, and cannot be explained by differences inredemption terms or level of leverage. We confirm that our performance results arenot driven by management company characteristics, fund manager characteristics,or unobserved confounder bias.
Hedge fund performance, Mutual fund performance, Managerial skill, Regulation, Constraints
Joenväärä , J & Kosowski , R 2021 , ' The Effect of Regulatory Constraints on Fund Performance : New Evidence from UCITS Hedge Funds ' , Review of Finance , vol. 25 , no. 1 , pp. 189-233 . https://doi.org/10.1093/rof/rfaa017


(Akash Girimath – FXStreet)
– Ethereum price has flipped the $1,700 resistance barrier into a support level, signaling a resurgence of bullish momentum.
– With no hurdles in sight till $2,000, all ETH needs to do is stay above the $1,700 foothold.
– A daily candlestick close below the $1,543 support level will invalidate the bullish thesis.
Ethereum price has done the unthinkable over the last 24 hours and flipped an important hurdle into a launching pad. All that’s left for ETH to do now is to maintain this momentum and rally to new hurdles.
Ethereum price makes best of the worst situation
Ethereum price walked the last mile after falling short of retesting the $1,700 resistance barrier on July 25 and July 28. However, it made sense for ETH to exhaust as it had rallied roughly 65% between July 13 and July 24.
The FOMC-induced rally seems to have had more to give. After a brief consolidation around the $1,600s, the Ethereum price triggered another run-up that not only retested the $1,700 hurdle but also pushed above it.
This is a significant development for ETH bulls with more upside on the horizon. But this optimism is dependent on how well the buyers can safeguard the newly flipped $1,700 support level.
In a bullish case, the $2,000 psychological level would be the next target, but this move could extend to a proper resistance barrier at $2,158.
While things are looking good for Ethereum price, a breakdown of the $1,700 support level would reveal a blow-off top. In such a case, the declining momentum could drive ETH lower to revisit the $1,543 support level.
Here, buyers will get another chance to trigger a rally. A daily candlestick close below this level, however, will invalidate the bullish thesis for ETH and potentially catalyze another crash to $1,080.


What does a million dollars buy in Aussie capital cities?...
What does a million dollars buy in Aussie capital cities?
AUSTRALIA’S housing market downturn continued for the 11th consecutive month in August as access to credit tightened and interest rates began to creep up.
National dwelling values fell by 0.3 per cent over the month to finish 2.2 per cent below their peak in September last year, CoreLogic figures released on Monday show.
Sydney house prices have suffered the biggest declines, finishing August 5.6 per cent lower than a year ago. Conversely, Hobart house prices were up 10.7 per cent year-on-year.
“Weaker housing market conditions can be tied back to a variety of factors, foremost of which is the tighter credit environment which has slowed market activity, especially amongst investors,” CoreLogic head of research Tim Lawless said in a statement.
“Fewer active buyers has led to higher inventory levels and reduced competition in the market. Collectively, these factors have been compounded by affordability challenges, reduced foreign investment and a rise in housing supply.”
Five of the eight capital cities recorded falls month-on-month, with only Adelaide, Darwin and Canberra eking out gains of 0.3 per cent, 0.1 per cent and 0.5 per cent respectively. Sydney was down 0.3 per cent, Melbourne 0.6 per cent, Brisbane 0.2 per cent, Perth 0.6 per cent and Hobart 0.1 per cent.
The median values in each city at the end of August were:
• Sydney $855,287
• Melbourne $703,183
• Brisbane $493,922
• Adelaide $438,466
• Perth $454,007
• Hobart $437,254
• Darwin $439,718
• Canberra $593,886
CoreLogic said the result suggested spring selling conditions may be challenging as more properties came on the market.
It comes after Westpac last week became the first of the Big Four to begin raising interest rates out of cycle with the Reserve Bank, announcing a 14 basis point increase despite the official cash rate remaining on hold at 1.5 per cent.
Suncorp and Adelaide Bank followed suit on Friday, but CommBank, ANZ and NAB have yet to do so. CoreLogic said the news would “send a chill through the housing market”, even though the lift was “only a minor adjustment to rates that have been at 50-year lows”.
Advertised stock levels are already 7.6 per cent higher than the same time last year, despite a 5.7 per cent reduction in “fresh” stock being added to the market.
“The rise in inventory is simply due to a lack of absorption — with fewer buyers, homes are taking longer to sell and clearance rates have trended into the mid to low 50 per cent range,” CoreLogic said.
Mozo property expert Steve Jovcevski has tipped big falls in Sydney and Melbourne but modest gains elsewhere for the season. “It won’t be a positive spring overall for the Australian market,” he said. “It’s definitely not as good a year for investors as it was last year, but it’s probably the year of the first homebuyer.”
A number of major banks have recently downgraded their forecasts for the Australian housing market. NAB predicts house prices will flatten in 2020, with a peak-to-trough fall of 6.5 per cent in Sydney and 2.5 per cent in Melbourne.
ANZ said it expects to see peak-to-trough declines of around 10 per cent in both Sydney and Melbourne in the same period. AMP Capital chief economist Shane Oliver believes Sydney and Melbourne will see declines of 15 per cent while the national average will fall by 5 per cent.


THE DOG LINE
The Dog Line is an Australia-based pet care firm that offers a wide variety of dog collars and dog supplies for sale online.
The objective of The Dog Line behind spending AUD 10,000 per month on PPC ads was to drive website traffic and increase sales online. However, the results were extremely poor and taking it up from there was a huge challenge for us. The volume of conversion was poor and their CPA was high. Furthermore, they were unable to generate value from their conversions.
A. Poor sales volume
B. Low number of conversions and conversion rate
C. High CPA
D. Poor conversion value
To address the challenges and achieve greater results, we took the following strategies:
i) Poor CTR-generating ads were replaced with the more relevant and optimized ones to drive increased traffic
ii) A/B testing the ad creatives on different devices to ensure better utilization of ad spending
iii) Testing different versions of landing pages to stay relevant and increase sales
iv) Better audience targeting to eliminate irrelevant traffic and drive more sales


Sweden has the EU’s longest coastline and thus excellent conditions to make short sea shipping an important complement or even alternative to transportation by road and rail. This is particularly the case as the transport system on land is facing major challenges both in terms of capacity and the environment. Much of the freight which currently goes by land could be moved out to sea, thereby generating benefits for both the environment and congestion. However, this requires investments to be made in aspects such as improving rail connections with ports.
Today’s infrastructure debate largely concerns road versus rail. The significance of shipping is not addressed to the same extent. At this year’s Almedalen week, CMP consequently took the initiative to hold a debate on precisely this issue – how short sea shipping can solve Sweden’s transport problem. Leading representatives involved in traffic issues from the respective sectors took part. They were in agreement that shipping has great potential, but disagreed on which methods are most suitable to strengthen shipping. These disagreements include ideological differences regarding the extent to which political means of control should be used to influence transport routes for freight.
Shipping has the lowest carbon dioxide emissions per kilometre and tonne of freight of all kinds of transport. There would therefore be much to gain in increasing the proportion of freight transported by sea.
Among other initiatives, in the autumn the Government will be presenting a maritime strategy for Sweden with the aim of strengthening Swedish shipping. This might elevate the importance of local shipping for the transport system to the level it deserves.


EUROQUALITY has participated to the Info Day organised in Brussels on the 2016 call for proposals of the Biobased Industry – Joint Undertaking on the 21st April 2016. BBI-JU is a public private partnership between the European Commission and the Biobased Industry Consortium to foster the transition of economy into a biobased system. Learning from first calls, the 2016 version is characterised by a will to speed up in the implementation of the strategy to reach the program objectives in 2020. This translates in the enlargement of the call scope – e.g. Blue Growth – and strengthening interactions between value chains. The links with industry is also reminded as a strong expected outcome of proposals.


Asda’s bid target stays silent amid talk of a £4.4bn takeover
Some investors may have bought into the idea yesterday that one of the world’s biggest retailers was set to join the British corporate game of supermarket sweep, but there was, perhaps surprisingly, no rush for the aisles.
Instead, the City gave a decidedly lukewarm response to reports that Asda — and its deep-pocketed parent Walmart — could be considering a £4.4 billion swoop on B&M European and its stable of “variety” homewares stores.
Shares in B&M rose almost 5 per cent to 357½p as investors and analysts debated whether Asda could be tempted to buy a discount rival that recently recorded its strongest first quarter for three years.
B&M did not officially respond to the speculation and one arbitrage investor said: “The lack of a


Yoon pushes for Xi’s visit to firm up ties with China
Esports legend Faker seeks to lead Korean surge at Asian Games
Incheon Airport passenger traffic to recover during Chuseok holiday
[Hello Hangeul] The making of Korean language textbooks featuring BTS
Seoul prepares for first major military parade in ten years
Opposition leader Lee attends arrest warrant hearing at Seoul court
Korea trade volume sees sharp drop among OECD members
[Korea Beyond Korea] Early Koreanists 'on verge of extinction overseas'
Young swimmer enjoys self-fulfilling prophecy in gold medal-winning race
Chief justice seat at top court left vacant amid Assembly chaos
Teachers' fund denies rumor of bitcoin ETF investmentBy Son Ji-hyoung
Published : Oct. 26, 2021 - 14:28
“The KTCU has never reviewed an investment in a bitcoin-related ETF, and will never have a plan to do so,” KTCU said in a statement.
The remark came after it was reported that the KTCU, which is dedicated to promoting teachers’ welfare and financial benefits, was to become the first Korea-based institutional investor with exposure to cryptocurrency next year. The investment would have been seen as a surprise move considering the fund’s typically risk-averse approach to investing.
According to the media report, KTCU‘s external manager based in Korea will create a bitcoin-linked ETF, to which the KTCU sought to allocate its capital, by the first half of 2022. The spot ETF product aimed to mimic the price movement of the world’s largest cryptocurrency by market cap.
The media report also indicated that KTCU was to determine the size of allocation in an upcoming investing committee.
The news came a week after a bitcoin-linked ETF -- ProShares Bitcoin Strategy ETF -- made a blockbuster market debut for the first time on the New York Stock Exchange Arca. Earlier this year, Canadian authorities approved the world‘s first bitcoin ETF in February.
A Korean asset management house is yet to launch one.
KTCU‘s assets under management has soared 10 percent in the past six months until June. The fund has exposure to stocks, bonds and alternatives, with its alternatives exposure standing at nearly 55 percent.
At military showcase, Yoon warns NK of collapse in case of nuclear attack
Is S. Korea dangerous for women?
Blinken says N. Korea-Russia military cooperation threatens global peace


As others have mentioned, there are many factors entirely outside the school environment that effect a student's receptiveness when they are in school. Is their home life stable? Do their parents make sure they get enough sleep? Do they have a quiet place to study? What messages do they get from their parents about the importance of education (where I live many are intimidated by their children getting more education than they had)? I would love to see parents held more accountable for their children's success in school.
Genetics, of course, enters into it. If teachers are paid based on the success of their students (similar to a sales commission), no one is going to want to teach special ed, where progress is often a struggle, and everyone is going to want to teach bright students with ideal home lives. It's not good for students (reinforces looking with ill-favor on slower students who could impact one's financial status) and why should a teacher be financially punished for working with more problematic, special ed students?


QuadrigaCX Granted Respite with Creditors Held at Bay
A Supreme Court judge has handed troubled Canadian cryptocurrency exchange QuadrigaCX a further six weeks’ protection from its creditors as it continues a frantic search for some USD 140 worth of missing cryptocurrencies.
Per Canadian newspaper the Globe and Mail, the judge stated that creditors will have to wait until April 23 before they can bring legal action against the company, with some 115,000 customers affected by QuadrigaCX’s failure to locate their funds – which appeared to have vanished since the mysterious death of the exchange’s founder Gerald Cotten, late last year.
Major figures in the cryptocurrency industry have accused the company of attempting a cover-up.
Quadriga lawyer Maurice Chiasson told the judge that the decision to grant the extension had needed to be made in order to prevent a “free-for-all” as lawyers close in on the beleaguered company. Chiasson argued, “We would see some lawsuits filed [if Quadriga were not granted an extension]. Such proceedings could be filed in multiple jurisdictions. They could be conflicting.”
Cotten’s widow, Jennifer Robertson, meanwhile, has asked the court that she be repaid USD 225,000 of her own money spent on legal costs as she forked out to help the exchange win protection from its creditors earlier this year. The judge said on Tuesday that the request – which per Bloomberg was protested by lawyers representing the creditors – would be deferred to another day. Robertson’s lawyer stated that she wanted to step away from the case as she felt she was “not versed” in cryptocurrency-related matters, and had rejected taking on a directorial role in the firm.
The same judge also approved the appointment of senior VP Peter Wedlake, of auditing firm Grant Thornton, as QuadrigaCX’s new acting chief restructuring officer.
Meanwhile, south of the border in the United States, a city in New York has lifted a ban on crypto mining. According to media outlet WAMC, Plattsburgh’s city council voted 5:1 in favor of a motion to overturn an 18-month ban on new mining projects imposed in March last year by the city’s mayor.
Electricity prices had been driven up across the board for local residents following a spike in mining activities in the area.
The CEO of a Plattsburgh cryptocurrency mining firm told the same media outlet, “The price of Bitcoin and cryptocurrencies in general has gone down substantially, but there is still some opportunity […] I think Plattsburgh will have some industry come in and this will be a great place for some data centers in the future.”


How does the Biden Administration’s ESG rule differ from its predecessor?
Tim Hauser, Deputy Assistant Secretary for Program Operations of the Employee Benefits Security Administration (EBSA), tells American Retirement Association CEO Brian Graff that the new rule was careful not to go overboard and move in the opposite direction from the 2020 rule. The Biden Administration focused not on encouraging or discouraging ESG investment but rather on a “neutrality principle,” according to Hauser.
“We’d given a number of examples of the kinds of investments that people could make,” he explained. “Some commenters said, ‘Look, that could be read as kind of going in the other direction from the 2020 rule, that maybe you’re doing too much to encourage those kinds of investments.’ That wasn’t the intent here. So, we took those examples out.”
In Graff’s exclusive interview, Hauser describes two fundamental points about ESG investments under the rule. Find out what they are in the following four-minute clip.
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With many options for traders to figure out how to follow trends on forex currency pairs as well as commodities and other instruments, the most trusted form would be to follow the charts. Traders that use charts are labelled as technical traders, who prefer to follow the accuracy of charting tools and indicators to identify peaking trends and price points as to when enter and exit the markets.
While, there are the fundamental traders who prefer to follow news sources that offer actual information on economic growth, employment situations, political threats and interest rates.
BullsEye Markets will guide you in reading price charts and predicting their accuracy while trading Forex and CFD online. To help you launch your trading career we will outline a few tips to assist you in understanding and reading charts.
Firstly, one needs to know what a chart is before attempting to dissect the information presented. In summary, a chart is a depiction of exchange rates that happen between financial instruments that are plotted and illustrated on a graph. The ability to read charts is part and parcel of trading, as it allows you not only to keep track of your current trades but helps to detect a developing trend line for your future trades.
When you look at a chart and find a grouping of data plotted in a general direction, one can figure out an overall direction that an instrument is moving towards. Every chart and graph differs, on most charts trend can be determined quiet easily, while other chart trends can be more complex. Trends generally move in a series of peaks and valleys (highs and lows). When you refer to a Bullish trend you are looking at a succession of mounting highs and lows and a Bearish trend is a sequence of descending lows and highs.
There is another trend that is known as the sideways, flat or horizontal trend. This is depicted when the forces of supply and demand are equal, so there is more of a straight line then a view of valleys and peaks.
Trends are not only classified by their direction, but also by the time duration as the trend is taking place. There are long-term, short-term and intermediate trends that coexist and may have the same, as well as the opposite directions. They are pretty self-explanatory as they are time based and are part of the trendline you see when reading a chart.
Types of trading charts
Clarity and a full understanding of what a chart is showing as well as the information that it provides is imperative to trading. When you board on online trading there are three main chart types that are popular among trading circles. Each chart has their level of information according to the traders’ individual skill level:
Line Chart– The most basic of charts, and the stepping stone for the beginner trader. This chart represents only a closing price over a period of time, the closing price is often considered the most important element in analysing data. This is in essence, how the line chart is formed: by connecting the closing prices over a set time frame. There is no visual information or trading range, meaning no highs and lows and nothing on opening prices.
Bar Chart – Expanding in more detail on the line chart, the bar chart includes several more key fragments of information that are added to each data point on the graph. Made up of a sequence of vertical lines where each line is a representation of trading information. They do represent the highs and lows of the trading period as well as the opening and closing price. The open and the close price are represented by a horizontal shorter line.
The open price is the ‘dash’ that is located on the left side of the vertical bar and conversely the close price indicated by a similar horizontal line, however, to the right side of the bar. Understanding this chart is simple, if the left dash (which is open price) is lower than the right dash (closing price) then the bar will be shaded in green, black or blue and represents a price increase and the instrument gained in value. The opposite is true and the decreased value of the stock is indicated in red.
Candlestick Chart – Once you have mastered the line and bar charts, you can graduate to the candlestick chart which will be easier to understand as it is similar to the bar chart. The vertical lines of both charts illustrate the trading period’s price ranges, while the body of the candle uses different colours to represent the market changes of that time period.
Candlestick charts detail
Dating as far back as the 17th century, the Japanese began using the technical analysis to trade on rice, although quiet different to the US version created around the 1900s their principles are similar.
In order to start creating and reading a candlestick chart, one should know that the data contains highs, lows, open andclose prices.
The ‘hollow’ and the ‘coloured’ portions are called the body. The long thin lines above and below the ‘body’ represent the high or low ranges and are also referred to as either shadows, wicks or tails. Should the lines be placed at the top of the body this will tell you the high and close price, while the line at the bottom of the graph indicates the low and the low’s close price.
The colours of the candle body do vary from broker to broker, where they could either be green or blue, illustrating a price increase or red being a decrease in price, or hollow candlesticks is where the close price is higher than the open price which will indicate to traders to BUY. Filled / coloured candlesticks where the close price is less than the open will indicate a SELL position.
Long versus short bodies will indicate the buy or sell pressure among traders. Short bodies represent there was very little price movement and are often treated as a consolidation pattern, known as doji.
Doji is an important facet of the candlestick graphs as they provide information in a number of patterns. These form when the instruments open and close prices are virtually equal and there’s not much price difference. The relevance of a doji candles are to show traders that either: After a long white or green candlestick the buying pressure is starting to weaken, or after a solid long (blue or black) candle that the selling pressure is starting to decrease and the supply and demand are starting to even out.
One of the most popular and reliable patterns of graphical analysis is the head and shoulders pattern.
This pattern is a reversal pattern, that when is formed will be a sign that the current trend will see a reversal soon. There are two versions of the head and shoulders pattern:
1. Head and shoulders Top: Generally formed at the peak of an upward trend and signals that the asset’s price is set to fall once the pattern is completed.
2. Head and shoulders Bottom (or Reverse Head and Shoulders): Usually forming during a downward trend, the head and shoulders bottom pattern signals that the asset’s price is set to rise.
Both have similar visual construction as each contain four main elements: two shoulders, a head and a neckline. Patterns are formed when the neckline (support and resistance) is broken and a second shoulder is formed. Heads and shoulders are formed by peaks and valleys on a graph. There are many other formations that traders turn to for analysing trade setup such as: Double top/bottom, triple top/bottom, Pinocchio, bullish/bearish engulfment, etc.
Incorporating a technical analysis tools into your charts
As you grow more comfortable reading and examining the charts you will learn how to add other tools such as a technical analysis to measure the rate of market volatility and changes in value. These technical indicators can assist you in clarifying the exact market information that could be missed with some stocks or currencies that are commonly labelled as ‘oversold’ or ‘overbought’.
In essence, technical indicators incorporated into your live charts like volume indicators, moving averages, MACD, trend lines, Fibonacci levels, stochastic oscillators etc., can block out the market noise, forming a better picture of the markets and trends that lie ahead.
BullsEye Markets have written this in depth guide in order for you to understand how some of the core technical analysis tools are applied by professional traders. Learn how to implement what you have learnt by means of our free demo account, test the tools and charts provided by our technically advanced platforms.


Be A Better Stock Trader by Understanding Some Stock Trading Fundamentals
If you have a loan to invest, you can buy and sell stocks. There is a specific vocabulary for stock trading, once you comprehend the basics, you will have a much better sensation for how the marketplace works. It's just as real for stock trading as it is for any financial investment: The more you understand, the more effective you are apt to be.
Generally, stocks are traded through brokers, who function as intermediaries, taking and satisfying orders. "Full service" brokers likewise can suggest which stocks to trade and offer suggestions about the state of the marketplace. These brokers charge greater commissions. To conserve loan, lots of people deal with discount rate brokers, who charge substantially less. Discount rate brokers do not supply guidance; however some financiers consider this a plus.
Broker services might consist of online trading and broker-assisted trading. Some have choices for positioning telephone or online orders, such as Interactive Voice Response Systems for telephone orders and cordless trading systems that permit purchasers to location orders from their web-enabled portable gadgets or mobile phone.
Some brokers provide you a password that permits you to access their order department through their sites. Others have their own software application for Internet orders. No matter what system is used, for the most parts, a variety of charting alternatives are provided to assist you to track motions on the stock exchange. Likewise, some services might consist of analysis software application or use it at extra expense.
Various sort of orders is made when offering or buying stocks. A "market order" gives instructions to purchase or cost the present market value. The order is normally carried out at a cost near to exactly what you are priced quote when you order. In some cases, nevertheless, there can be a distinction in between the priced quote cost and the deal rate. This generally occurs when the stock cost is varying or if the stock in not actively traded.
If you wish to purchase or cost a guaranteed rate, whether above or listed below the existing market value, you can position a "stop order" or a "limitation order." The stop order informs the broker to trade the stock at a defined cost, and the limit order requires the broker to trade at the defined cost or much better.
Stop orders are created to restrict losses and secure revenues. They enter impact when the marketplace reaches the stop cost, however, might really trade greater or lower than the stop cost because they are traded at market value after they end up being active. Sometimes, limitation orders are not positioned at all, even when the marketplace has reached the limit rate. This occurs when the marketplace moves quickly and there is insufficient time to perform the order before the stock costs go listed below the limit cost variety.
To show: You buy Bell Canada (BCE) for $50 a share, then put in a stop order of $45. If the rate is up to $45, the stop order enters impact, and the BCE stock will cost the marketplace cost. On the other hand, if you position a limitation cost $60 after buying BCE, your stock will cost a revenue when the stock cost reaches that quantity. Likewise, you may buy BCE with a limitation buy order for $45. This, in theory, would let you purchase the stock at a rate lower than the existing market rate ($ 50 in this example). If the rate never ever is up to the limit purchase rate, however, you will not buy any of that stock.
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Mark Naison: The attack on Teachers Unions has been driven by foundations and funding sources traditionally associated with the Democratic Party and has been enthusiastically endorsed by the Obama Administration.
Walter Brasch: The unions had already said they would accept what amounts to an 8 percent cut. But, Walker, acting more like a caricature of a Fat Cat Boss, refused to negotiate. His demands, if put into law, would essentially “gut” public worker unions.
Shamus Cooke: Democrats all over the country are cooperating with Republicans in launching a massive attack on the wages and benefits of public employees, scapegoating them for the deficits caused by Wall Street’s recession and the corporate sector in general, the real “base” of the Democrats.
Carole Bartolotto: The problem with concluding that GMOs are safe is that the argument for their safety rests solely on animal studies. These studies are offered as evidence that the debate over GMOs is over. Nothing could be further from the truth.
Walker Foley: Elected officials seem to think there’s only one side of this property rights argument. The people who live in these communities have rights too, but the oil companies seem to have the jump on [the politicians’] side of the fence.


The Michigan Main Street Program is working with one of Michigan's most dedicated community capital champions, Revalue, who has developed a unique educational experience on Michigan's local investor education initiative, under the name Grubstake, in partnership with MEDC and Michigan Main Street.
It's a term from the late 19th century that has fallen out of use, but is completely applicable today:
noun: an amount of material, provisions, or money supplied to an enterprise (originally a prospector for ore) in return for a share in the resulting profits.
verb: provide with a grubstake.
The term was coined during the era of gold mining. Miners would come into town and local residents would offer a grubstake in the form of lodging, food, or basic necessities. In exchange, the residents would receive a portion of the profit, or a grubstake.
Revalue has created a way for community members who might be interested in investing in their own backyard to get their feet wet with the due diligence process by putting them through a mock pitch and investment decision experience.
Sign up for a workshop and learn more about GrubStake at: http://whatisgrubstake.com/#intro
The Capital Readiness Checklist is an assessment tool for business service organizations can use to evaluate the small businesses they serve. It features a checklist of basic criteria that a small business typically needs to meet before a lender will consider lending to them.
The Neighborhood Business Initiative’s Gaps Committee worked with Michigan Community Resources to create this guide with support from the New Economy Initiative.
Email firstname.lastname@example.org for the Capital Readiness Checklist.
The “silver tsunami” of retiring Boomer business owners is in full force, while, at the same time, Gen X and Millennials are seeking opportunities to enter the entrepreneurial space. Whether you’re seeking to buy or sell a business, the Michigan Small Business Development Center has developed a conference that will prepare you to successfully navigate the process as well as connect with experts who can assist you throughout all phases of the transition.
Michigan Small Business Development Center provides counseling, training, research and advocacy for startups, existing small businesses and innovative tech companies. Counselors provide support and a planning tool to help evaluate the direction of your technology, chart strategies and more.
Michigan's SBDC publishes a Guide to Starting and Operating a Small Business. Information includes steps for starting a business; forms of business organization; elements of a business plan; federal, state and local tax obligations; management, hiring, marketing and more.
“B Corp” is short for “benefit corporation,” which is a designation earned by companies that are focused on environmental and social change in addition to monetary profits (the triple bottom line). B Corps are certified by B Lab, a nonprofit organization that believes in unifying companies around the world with their goal of making high ethical standards for business practices the new norm.
There are several B Corps throughout Michigan. These companies are providing high-quality jobs, working to reduce their negative impact on the environment, and raising the bar for how we do business.
The Michigan Main Street recognizes the importance small businesses have in shaping vibrant downtown districts. In partnership with our local Main Street programs, the Michigan Main Street offers various trainings for small businesses throughout the year. Stay tuned for the small business training scheduled offered by Michigan Main Street and visit the training and events calendar for more information.


Depicted are the three fates, Clotho, Lachesis and Atropos, who spin, draw out and cut the thread of Life, represent Death in this tapestry, as they triumph over the fallen body of Chastity. This is the third subject in Petrarch’s poem The Triumphs. First, Love triumphs; then Love is overcome by Chastity, Chastity by Death, Death by Fame, Fame by Time and Time by Eternity.
Pretty gloomy, eh?
From a modern perspective, life in the Middle Ages appears not to have a lot to recommend it. For example, for the majority of women, their lives consisted of unceasing labor, hand-to-mouth existence, a total lack of political representation (although that was not much different than for the majority of men, if they were landless), restrictions of the Catholic Church, societal acceptance of physical abuse, and the very real possibility in dying in childbirth at a young age.
For men, it wasn’t much different, substituting dying in battle for childbirth and you aren’t far off. Both men and women died of illness and infection, such that the median lifespan during this time was in the middle forties.
But people did live then. They raised their children, they cared for one another, and it does seem from what has been passed down to us, that they found beauty and pleasure in their lives.
Digging deeper into history, there is far more going on there than simply than the Hobbesian “solitary, poor, nasty, brutish, and short”. (This quote, by the way, has been taken out of context for most of its life. Hobbes wasn’t describing life in the Middle Ages; he was explaining what life would be life without a strong monarchy. In his opinion, absolute monarchy was a way to avoid the war of ‘man against man’.)
While a strong central government in England, led by Edward I in the 13th century, did have some affect on averting war within the nation, it led to more wars against other nations, and in Wales in particular, a far less free and materially wealthy existence.
In fact, if you look at the consequences of the Industrial Revolution in the 17th and 18th centuries, the lives of average people, in terms of nutrition, longevity, cleanliness, etc. were on the whole far, far worse, than their lives would have been as peasants in the Middle Ages.
http://www.medieval-life.net/ has a good series of descriptions about different aspects of life in the Middle Ages. For example:
“Medieval villages consisted of a population comprised of mostly of farmers. Houses, barns sheds, and animal pens clustered around the center of the village, which was surrounded by plowed fields and pastures. Medieval society depended on the village for protection and a majority of people during these centuries called a village home. Most were born, toiled, married, had children and later died within the village, rarely venturing beyond its boundaries.
Common enterprise was the key to a village’s survival. Some villages were temporary, and the society would move on if the land proved infertile or weather made life too difficult. Other villages continued to exist for centuries. Every village had a lord, even if he didn’t make it his permanent residence, and after the 1100’s castles often dominated the village landscape. Medieval Europeans may have been unclear of their country’s boundaries, but they knew every stone, tree, road and stream of their village. Neighboring villages would parley to set boundaries that would be set out in village charters.
Medieval peasants were either classified as free men or as “villeins,” those who owed heavy labor service to a lord, were bound to the land, and subject to feudal dues. Village life was busy for both classes, and for women as well as men. Much of this harsh life was lived outdoors, wearing simple dress and subsisting on a meager diet.
Village life would change from outside influences with market pressures and new landlords. As the centuries passed, more and more found themselves drawn to larger cities. Yet modern Europe owes much to these early medieval villages.”
http://www.learner.org/interactives/middleages/feudal.html is another good site. Much of this is oversimplified and specifically related to the Feudal system, which was not uniform across Europe. The differences between what went on in France verses Wales, for example, are very great.
Welsh people were not farmers but herders, had fewer villages, and land ownership was more egalitarian:
“Wales in the Age of the Princes was not a primitive society.
There were three main social groups: the uchelwyr – the upper class, thebonheddwyr – the freemen and the taeogion – the unfree peasants. Each group had its role in society.
The taeogion (villeins) lived in compact villages in the fertile lowlands. Organised by the maer y biswail (the mayor of the dunghill), they supplied the needs of the princely court. They also had to do farm work for the prince each year. Tied to the land, they could not leave their own village. Their arable crops were vital for Wales. Edward I realised this and, in his 1277 invasion, his forces quickly took Anglesey and seized the grain harvest.
The lowlands were linked to the hills economically. Farming communities moved from the hendref, their main settlement in the lowlands, to the hafodwith its upland pastures each summer. The upland farmers were generally bonheddwyr (freemen) who lived in kinship groups, each looking after its owngwely (clan land). They performed military service for the prince, but did not do menial tasks like the taeogion. The upland farms were also vital to Wales. They enabled the Welsh to keep their economic and political independence when the Marcher lords occupied the fertile lowlands.
While the traditional view is that the Welsh were not an urban people, over 80 towns were established in the period 1100-1300. Towns did develop more in the Marcher lordships because these areas were richer, but the Welsh princes also encouraged the development of towns, often near their castles. Trade increased in tandem with these new towns and Wales exported primary goods like cattle, skins, fleeces and cheese. Imports included necessities like salt, wheat and iron, but reliance on these imports would be a weakness against an aggressive King of England.” http://www.wrexham.gov.uk/english/heritage/medieval_exhibition/life_in_wales.htm


President Reagan, signaling continued strong U.S. support for the embattled government of Sudanese President Jaafar Nimeri, yesterday announced the release of $180 million in frozen economic aid and pledged an additional 225,000 tons of emergency food assistance.
The White House said Reagan believes that recent economic reforms by Nimeri, including withdrawal of food subsidies, were "difficult steps" requiring sacrifice and termed them "highly commendable actions worthy of international donor support." Withdrawal of the food subsidies last week touched off extensive rioting in the Sudanese capital of Khartoum.
"It is clear that the government of Sudan is taking the steps that are required to bring the economy under control while it is faced with the added difficulties of drought and refugee emergencies," the statement said.
In addition to freeing $67 million in frozen economic aid for the Sudan from fiscal 1984, the decision allows planning for disbursement of $114 million earmarked for fiscal 1985.
The additional emergency food aid would bring to nearly 1 million tons the amount of emergency and regular food assistance to Sudan in fiscal 1985.
Announcement of resumption of U.S. economic aid, suspended in December because of political uncertainties and the Sudanese economic crisis, came after a 30-minute meeting at the White House between Reagan and Nimeri.
The U.S. decision is expected to help clear the way for a meeting of major Western European donors, which also have been delaying economic and financial assistance, to consider a new overall aid package and further rescheduling of Sudan's nearly $9 billion debt.
In addition, Sudan is believed to be close to reaching an understanding with the International Monetary Fund, to which it owes $120 million. That would make possible a new standby agreement as a result of Nimeri's recent reforms abolishing state subsidies on most food items and gasoline, devaluing the Sudanese pound and cutting government spending.
Nimeri arrived here Wednesday on a 10-day private visit during which he is having his annual medical checkup in addition to holding discussions with top-level administration officials on the deteriorating political, economic and military situation in his country.
Besides a spreading rebellion backed by Libya and Ethiopia in the Sudan's southern provinces, Nimeri faces a nearly bankrupt economy and the problem of feeding more than 1 million drought-affected refugees from neighboring countries.
Emerging from his meeting with Reagan, Nimeri told reporters that his country, after four years of drought that shows no signs of abating, faced "the greatest natural disaster in the history of mankind."
Nimeri said that 1.75 million drought refugees, including 1 million Ethiopians, are in Sudan and that they arrive at the rate of 4,000 each day.
He said the burden has "strained our resources beyond the breaking point" and that only outside assistance from such nations as the United States has averted the deaths by starvation of "many, many thousands" of people as has occurred in neighboring Ethiopia.
He said the Sudan needs not only emergency food relief for refugees but also long-term development aid to become self-sufficient.
"I spoke to President Reagan about our needs in all fields and, with the generosity typical of the American people, he assured me this country will do what it can to help the Sudan and Africa and all the refugees," Nimeri said. "On behalf of all those who are starving and suffering in Africa, I say 'thank you,' and may God continue to shower His blessings upon you."
Except to deny that the issue of the frozen U.S. economic aid had been broached, Nimeri did not comment further on his talks with Reagan.
A senior administration official briefing reporters later said Nimeri had held "lengthy discussions," apparently with Reagan and earlier in the day with Defense Secretary Caspar W. Weinberger, regarding "the importance of a strategy of political reconciliation" with the southern rebels.
The official said Nimeri had appointed a commission to open a "dialogue" with rebel leaders to find a political solution and that Washington made "very clear" its opposition to use of its military aid in the conflict "because we don't think there can be a military solution to the southern problem."
Asked the U.S. assessment of Nimeri's political stability in light of his government's economic difficulties and the recent riots in Khartoum, the official said he does not think that Nimeri is in serious trouble.
"I would just comment that I think he has faced a number of attempts on his government over the years since he came to power in 1969 , and he's survived them. We don't have the impression there is some imminent dramatic event about to take place," the official said.


IoT technologies and services are rapidly transforming the entire landscape of the automotive industry. The advanced sophistication in the modern day cars can help monitor almost all the relevant data now - from location to routes, driving behaviour to all the vehicle data like oil temperature, brake wear and tire pressure. Insurers can benefit from connected cars and telematics the most. Vehicle connectivity is promised to save large numbers in crash-related value and across the insurance value chain. Using analytics and real-time information generated by telematics devices, insurers can weed out fraudulent claims. Employing analytics can help insurers reduce up to 80% of fraudulent claims. Keeping all those facts in consideration, it is not hard to determine that insurance companies and car manufactures need to develop a more unified approach to address the limitations of insurance and claims in Connected Vehicles. At this forum, you will learn everything you need to know about the latest approaches to insurance for connected cars from the world's leading professionals. In 2 days of interactive sessions, panel discussions and networking, you will gain valuable knowledge from an international perspective. Small-scale of the event and engaging learning environment make for establishing more effective business connections and open-minded controversial discussions!


New data from the Association of Professional Staffing Companies (APSCo) reveals that HR vacancies are on track to be up by 13.5% on 2021, with the profession becoming a priority area for businesses to recruit.
The data, provided by business intelligence specialist, Vacancysoft, shows that, in terms of skills in demand, it is internal recruiters who are the specialists most wanted.
In fact, 35% of all HR vacancies so far this year have been for internal recruiters, which is perhaps no surprise given wide reports of skills shortages in the UK.
Training/learning is the second largest attribute being recruited for, averaging 14% of total vacancies.
In contrast, the specialism which is growing both in volume and in share is HR generalists, which has seen an increase of 64% in terms of the monthly average between last year and this one, leading to the total share rising from 13% to 14.3%.
When comparing sectors recruiting for HR, technology came up top with 3,994 vacancies so far, with 17.5% of the total number of HR jobs. The second largest sector is retail, with 3,833 roles so far (16.8%).
Given the importance of banking to the UK economy, it’s surprising that only 7% of HR vacancies are attributed to this sector.
However, this small share could be linked to the cost-of-living crisis and the inevitable impact on the UK economy.
By region, it’s perhaps unsurprising that London dominates.
So far this year, Vacancysoft has seen 8,995 vacancies from the capital, which is accounting for 39.6% of the total HR vacancies posted.
This total is followed by the southeast, where 2,637 vacancies were published, constituting 11.6% of HR vacancies.
Ann Swain, CEO of APSCo, said, “As the UK’s economic pressures mount, a decline in vacancies is to be expected.
“However, since the UK remains in the grips of a skills shortage, hiring teams and recruitment professionals alike will continue to be in high demand.
“While HR will have a key part to play in narrowing the skills gap, we will also need to call on the country’s policymakers to implement an internationally viable approach to boosting the UK’s access to skills, alongside building a more attractive entry route into the country for highly skilled self-employed professionals.”
Jen Gaster, Founder and Managing Director of HR Heads, said, “As leading recruiters of HR professionals, it’s perhaps no surprise that our data mirrors what Vacancysoft has seen.
“There has undoubtedly been a huge demand for Talent Acquisition Specialists, and this shows no signs of abating as the talent challenges continue.
“The HR function played a critical role in organisations’ response to the pandemic, so it is unsurprising that as businesses come out of the work from home mentality, and are embedding new working policies, the top HR talent continues to be in high demand.
“We’ve seen huge demand for talent in London and the southeast, but more generally across the UK, with companies taking more flexible approaches to how people work – this has opened up roles in places that may have previously been prohibitive for candidates to consider.
“Moving forward, I think that one of the trends we will see as HR recruiters is a heightened demand for wellbeing and reward specialists, as organisations come to terms with the cost of living crisis and its impact upon teams.”