Money market mutual funds are convenient for individual investors and big institutions to keep money temporarily. However, their yields have been very low for years. The Federal Reserve has begun to increase the short-term interest rate it controls, and money market fund yields available to consumers have started to rise. They will climb as long as the Fed increases short-term rates. But the yield on the average big money market funds is still only roughly 0.6 percent. Considering the rate of inflation running at 8.6 percent annual rate in May 2022, that is a negative rate of return.

Money market mutual funds 

Money market mutual funds receive the reverse repurchase agreement, a.k.a. the reverse repo rate, for funds held by the Fed overnight, so it functions as a rough floor on yields. That rate stands at 0.8 percent. It was close to zero for many months.  At the moment, short-term Treasury bills, with yields in the 0.85 - 1.05 percent range, provide a practical ceiling for funds that hold government securities. If the operating expenses of money market funds exceed the income they bring in, the funds could theoretically pay negative yields.

The role of the Fed

in the current unsettled markets, many people need good places to keep their short-term cash. Money market funds could work, but with some qualifications.<ul><li>Another place for holding short-term money safely includes U.S. government bonds, which yield 9.62 percent. There are penalties if you cash them in before five years.</li><li>Bank accounts are very safe, even if the interest most pay is on average just 0.07 percent.</li><li>The Vanguard Federal Money Market Fund has a yield of 0.72 percent.</li><li>The T. Rowe Price Cash Reserves Fund is close at 0.66 percent.</li><li>The Fidelity Money Market Fund has a yield of 0.60 percent.</li></ul>

A place for cash

The yields are still very low. They don’t keep up with inflation, and if they eventually do, that’s probably not good news either.  Even if the Federal Reserve manages to reduce the rate of inflation close to its 2 percent target rate, it will slow the economy, perhaps tipping it into a recession. If the slowdown is evident, the Fed is likely to start cutting rates, creating an opportunity for nimble money market fund managers to beat inflation by a small amount.  While money market fund yields are improving, as an investment they remain a bad idea.

When rates fall again

At last, interest rates for money market funds have started to rise. But inflation means that in real terms, you’re still losing money.

Discover the world of business and economics.

economics

Economics

moneyandinvestments

Money & Investments

How Inflation May Change Where You Put Your Cash

Before Ramsey’s call-in talk show, financial advice was mainly for people who were already wealthy. It assumed people with credit card debt who lived from paycheck to paycheck didn’t care about financial education. Ramsey began speaking to a handpicked group of people that traditional advice ignored. He regularly backed up his financial advice with Bible verses, erecting a clear fence around his target audience.

The rise of financial advice

Dave Ramsey's show encouraged people who'd been conditioned not to pursue wealth to now indulge in the fantasy of being rich. A perpetual brief is that a better life is within your grasp if you can manage your money right. Other budding financial experts dropped Ramsey's religious exclusivity, and a niche in personal finance emerged in the early 2000s.  Ramsey and his successors put the "personal" into finance so anyone could find success through a new set of rules, like paying your debt, starting a side hustle and making a budget.

Conditioned to pursue wealth

The budget culture is the damaging set of beliefs around money that rewards restriction and deprivation and promotes an unhealthy and fantastical ideal of financial success. Budget culture sees measures like credit scores and debt as signifiers of financial health and prescribes spending restrictions as the first step to getting rich. However, the problem is that budgeting doesn't work. Restriction and deprivation are unsustainable. Tracking spending is hard. Budgets don't account for the way lives work.

The budget culture

The emphasis of budget culture is on individual responsibility and insisting that you can ignore access and privilege in our world. It condemns and oppresses anyone who doesn't live up to the ideal. <ul><li>However, the system isn’t designed for upward mobility. Ramsey’s famous “Baby Steps” might start simple and practical but they quickly escalate into investing 15% of your income, paying off your mortgage early and building generational wealth.</li><li>The budget culture has one secret to getting rich quickly: Aggressive investing. However, the only sure way to make money is to have money.</li></ul>

The broader problem with budget culture

It needs:<ul><li>Getting comfortable not knowing the “right” answers.</li><li>Changing how you talk about money and how you use money.</li><li>Pay transparency — with your friends, communities and colleagues, and in job descriptions.</li><li>Seeing and acknowledging your privilege.</li><li>Rethinking how we compensate for all labour.</li><li>Framing <a href="https://annehelen.substack.com/p/paying-for-civilization">taxes as sharing privilege</a>, not impeding personal wealth.</li><li>Admitting net worth is an imaginary number.</li><li>Creatively supporting people with financial needs and protecting them from the tyranny of credit reports.</li><li>Reckoning with the fact that the dream of homeownership relies on hoarding stolen wealth.</li></ul>

Countering budget culture is a tall order

It's about your actions, responsibilities and mindset, yet no management method can fix rising housing costs with stagnant wages. Instead of questioning your mindset and willpower to fix your money, question what's happening around you. Do you feel comfortable and safe in your home, in your clothing, or using your devices? Do you feel empowered with choice? Can you care for loved ones? Having money can improve life, but that's not the point. Fighting budget culture means remaking the world in a way that lets everyone experience the ease of being "rich" regardless of the numbers.

Budget culture makes money all about you

How financial "experts" ruined our relationship with money

Budget Culture and the Dave Ramseyfication of Money

It isn’t easy to separate genuine cryptocurrency recommendations from the scams; there are lots of sharks out there waiting to take your money.Reports of crypto investment scams surged to 7,118 in the first nine months of 2021. This was up 30% on the whole of 2020, according to Action Fraud, with the average loss per victim at £20,500.So when you’re confronted with a lot of information about a cryptocurrency, take a step back from the hype.Try to look critically at the project or platform. How many users does it have? What problem does it solve?

1. Have a strategy for crypto trading

Some people offering crypto trading tips might not have your best interests at heart. So don’t get stung making the same mistakes as others.Set limits on how much you invest in a particular digital currency and don’t be tempted to trade with more money than you can afford to lose. Cryptocurrency trading is a high-risk business and more traders lose money than don’t.

2. Manage risk

It doesn’t pay to have too much invested in one single cryptocurrency. Or as they say: don’t put all your eggs in one basket.As with stocks and shares, spread your money out among different digital currencies.This means you don’t risk being over-exposed should one of them plummet in value – especially as the market prices of these investments are highly volatile.

3. Diversify your crypto portfolio

Prices can rise and fall quite dramatically day to day, and novice traders are often duped into panic selling when prices are low.Cryptocurrencies are not going to go away. Leaving your money in the crypto market for months or years at a time could offer you the best rewards.

4. Be in it for the long term

Just as with regular stocks and shares, it can help to automate your crypto purchases to take advantage of pound-cost averaging.Most cryptocurrency exchanges, including Coinbase and Gemini, allow you to set up recurring buys.This is where crypto investors tell the platform to purchase a fixed amount of their preferred cryptocurrency every month – for example, £100 worth of bitcoin. It means they get a bit less of the currency when prices are high, and a little more when prices are low.

5. Automate purchases

Trading bots can be useful in some circumstances, but they aren’t recommended for beginners looking for crypto investment tips. Often, they are just scams in disguise.If real algorithm existed that timed your buy and sell trades to perfection, everyone would be using them!

6. Use trading bots

The latest research from UK regulator the Financial Conduct Authority showed that about 2.3m Brits own cryptocurrency in one form or another. It’s very easy to get caught up in the hype of news headlines. Crypto mistakes are startlingly common, and below we list some of them.

common crypto mistakes

Low prices do not always represent bargains. Sometimes prices are low for a reason! Watch out for cryptocurrencies with falling user rates.Often, too, developers leave a project and it stops getting properly updated, making the cryptocurrency insecure.

1. Buying just because the price is low

Some of the more suspect trading platforms suggest you should maximise your money by betting as much as possible. This is a quick way to the poor house.Better crypto investment tips would be to only use a certain proportion of your investing capital — say 5% — and always keep an emergency cash fund in an easy access savings account that never gets invested in the market.

2. Going ‘all-in’

There’s nothing easy about making money through trading any kind of financial asset, whether stocks and shares or commodities like silver and gold. The same can be said for cryptocurrency.Anyone who says different is probably trying to trick you into making crypto mistakes.

3. Thinking crypto is ‘easy money’

If you have a hardware wallet for storing your crypto offline, forgetting your keyphrase is like losing the keys to a bank vault.Without your keyphrase, all your cryptos will be irretrievable.

4. Forgetting your crypto keyphrase

The best crypto tips will tell you to stick with big name crypto wallets, such as Ledger, Trezor, Exodus or MetaMask.Dodgy or unknown wallets that you find on Google Play or the App Store can steal your crypto funds with dodgy code.

5. Malicious wallet software

With so many cryptocurrencies on the market, it can be difficult to tell what’s real and what’s not.When you invest in fake coins, criminals can steal your identity and often your hard-earned money. Don’t take anyone else’s word for it and use as many sources as possible to do your own research on coins before you buy them.

6. Fake coins

With this handy guide any beginner can learn how to come up with the best trading strategies and avoid common cryptocurrency mistakes. 

crypto

Cryptocurrency

habits

Habits

Cryptocurrency Mistakes & Tips

Elon Musk is one of the most influential people in the world, but his success is a result of deliberately subverting norms and challenging expectations.Though financial resources differ greatly among entrepreneurs, a calculated media strategy is something every entrepreneur can add to their toolkit. Let's unpack Musk's rise to fame, from his publicly celebrated business successes to his Twitter game, to see how any entrepreneur can take a note from Musk's playbook.

How Elon Musk Breaks The Rules

In the heat of the dot-com boom, Musk invited the cameras to get a first-hand look at his success.Although it was difficult for the public to understand the inner workings of Silicon Valley and VC money, Musk created an instantly recognizable icon in his sports car.

Strategy 1: Pour Gasoline on The Fire

<ul><li>In his early ventures, Musk lost control of his own companies</li><li>With Zip2, his investors appointed a more experienced leader, Richard Sorkin, to position the company for an acquisition</li><li>After his second company, X.com, became PayPal, he was again fired from his role as CEO while he was away from the office</li></ul>

Strategy 2: Make Your Business Personal

Rather than focusing on a clear path to profitability, Musk declares impossible feats to the world, such as getting humanity to Mars before he dies. People love rooting for success against all odds. As one of the richest and most powerful people in the world, Musk positions his companies as "Davids" by creating seemingly unbeatable "Goliaths."As an entrepreneur, your goals are more than financial and operational. Set goals with the power to motivate your workforce, attract an investor or engage your customers.

Strategy 3: Set Unrealistic Goals

Entrepreneurs know that the key to success is to stay laser-focused on their goals and objectives. Yet while Musk is so busy that he sleeps on an uncomfortable couch at the office, he always has time for the spotlight.With the exception of Bill Nye, most scientists aren't drawn to the big screen. Except Musk, who can be spotted in Iron Man 2 rubbing shoulders with Tony Stark, on South Park and The Simpsons, and hanging out with Howard on The Big Bang Theory. For someone focused on advancing mankind, Musk spends a calculated amount of time crafting his image.

Strategy 4: Ignore Your Lane

As an entrepreneur, remember that everything you post is a reflection of you and your business. When Musk posts nerdy memes, he's affirming that he's a part of a subculture that many of his customers associate with. When he offers emergency assistance to Ukraine, he's demonstrating the viability of his business goals. When he posts updates about his business, he's signalling to the world and his employees that he's in charge.What appears random is all a part of the bigger media strategy. Think about the image and signals you want to convey, and engage accordingly.

Strategy 5: Say What's on Your Mind

You are where you are because you challenged a convention, did something in an unexpected way or created something new. Know your end goal, and craft your image around it. From there, you can determine which rules were made to be broken, and how you will bend them in your favour.

Break The Rules

Bend and break those rules, Elon Musk style.

Five business strategies you can steal from this groundbreaking entrepreneur's playbook.

technologyandthefuture

Technology & The Future

entrepreneurship

Entrepreneurship

business

Business

The Richest Person on Earth Breaks Every Rule, And You Should Too

<ul><li>The person with most answers is considered smart,however it's not completely true .</li><li>The ability to ask complex questions and curiosity to find it's answer by critical thinking is the key to smartness .</li></ul>

Ask Questions 

<ul><li>Reading across genre is one of the most frequent thing smart people do.</li><li>Actually its their curiosity that makes them do it and temperament towards learning .</li><li>We should learn from this and adapt cross genre reading.</li></ul>

Read Across Genre 

<ul><li>Smart people know whom to prioritise,so they value mutual companionship .</li><li>Time spent with smart people is never wasted as you always have something to learn .</li><li>We should take time & efforts to hangout with them as it's an opportunity to learn new things.</li></ul>

Hangout With Smart People 

Hi ,I'm shafin , a 18 years old student posting content here on various genre ,make sure you stay ,if you like my work do share it with others .

<ul><li>Smart people know the value of words ,so they think before speaking .</li><li>This makes their words more listenable & dominant because they make more sense .</li><li>It's always better to speak less than to speak/create blunders .</li></ul>

Take Time To Think

<ul><li>Smart people don't set unrealistic goals but they know what they want from workout.</li><li>They excercise frequently to maintain a good balance between physical & mental health as both are related to some points .</li><li>They do it for the dopamine hit & enjoy the process over results which takes time .</li></ul>

Excercise Frequently 

<ul><li>Eating healthy is essential for maintaining a good wellbeing </li><li>Smart people understand this and eat healthy food over junk.</li><li>Its their eating choices that makes them smart .</li></ul>

Prioritise Eating Healthy

<ul><li>Anoting things that matters is essential,& smart people understand this .</li><li>They keep a diary with them so that they can be more accountable to things related to them .</li><li>A diary makes things easy as everything is structured.</li></ul>

Keeping a diary

<ul><li>Smart people don't get bothered by what perception people will have about them/work.</li><li>They experiment and learn from them . They have a tendency to learn from their mistakes & experiences.</li></ul>

Do Something New , Even It's Imperfect .

<ul><li>Smart people don't keep knowledge limited to reading ,they apply it and take benefits from them .</li><li>Once something works for them they share it with others who needs it ,via any resource </li></ul>

Apply & Share Knowledge.

<ul><li>Smart people are super selective in terms of what they want from something.</li><li>They prioritise things that actually add value .</li><li>They avoid unnecessary efforts & say no to unrequired things.</li></ul>

Be Selective In What You Put Efforts In.

<ul><li>They understand the importance of work and its quality .</li><li>So smart people take rest breaks between work to feel refreshed & maintain certain quality.</li><li>Their criteria is qualitative work over quantitative.</li></ul>

Take Short Break At Work

<ul><li>Smart people stay organized as it becomes easy to stay accountable of things and events.</li><li>They take it as an initiative towards improving themselves.</li><li>This is how they avoid messy situation.</li></ul>

Learn How To Be Organised 

<ul><li>Smart people deeply observe behaviours of people around them.</li><li>It's a criteria for them to select whom to focus on .</li><li>They stay with People with whom they are comfortable & avoid others humbly</li></ul>

Study Others Behaviours 

<ul><li>This is what makes them smart .</li><li>They observe everything & makes perception </li><li>However ,they are smart to make it flexible. This is what makes them super adaptive .</li></ul>

Be Actively Observant.

15 Habits That Make You SMARTER Every Day SUBSCRIBE to ALUX: https://www.youtube.com/channel/UCNjPtOCvMrKY5eLwr_-7eUg?sub_confirmation=1 GET THE ALUX APP: https://alux.com/app iPhone: https://itunes.apple.com/app/id1575063699 Android: https://play.google.com/store/apps/details?id=com.alux Watch the keynote: https://youtu.be/bd4uVm2AYuY 15 Books People Read To Get Smarter: https://youtu.be/79X_yQMzHCE In this Alux.com video we will be answering the following questions: What are the habits of smart people? What habits are making you smarter? What habits benefit you the most? What are the most valuable habits you should have? - Get Rich Playlist: https://www.youtube.com/playlist?list=PLP35LyTOQVIsxb5Mf-Pr1xHJMZPtdIX8q Take Action Playlist: https://www.youtube.com/playlist?list=PLP35LyTOQVIuhLj_V6ThqHhVN52kozybm All Sunday Motivational Videos: https://www.youtube.com/playlist?list=PLP35LyTOQVItYEFKYW1WdjcHFuXt0s5h- Book Club: https://www.youtube.com/playlist?list=PLP35LyTOQVIvGYVKBE8qEwmP-S_Z7i0lL - Social Media: https://www.instagram.com/alux/ https://www.facebook.com/alux https://www.twitter.com/aluxcom --- Alux.com is the largest community of luxury & fine living enthusiasts in the world. We are the #1 online resource for ranking the most expensive things in the world and frequently referenced in publications such as Forbes, USAToday, Wikipedia and many more, as the GO-TO destination for luxury content! Our website: https://www.alux.com is the largest social network for people who are passionate about LUXURY! Join today! SUBSCRIBE so you never miss another video: https://goo.gl/KPRQT8 -- To see how rich is your favorite celebrity go to: https://www.alux.com/networth/ -- For businesses inquiries we're available at: https://www.alux.com/contact/

personaldevelopment

Personal Development

15 Habits That Make You SMARTER Every Day
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GET THE ALUX APP: https://alux.com/app
iPhone: https://itunes.apple.com/app/id1575063699
Android: https://play.google.com/store/apps/details?id=com.alux
Watch the keynote: https://youtu.be/bd4uVm2AYuY

15 Books People Read To Get Smarter: https://youtu.be/79X_yQMzHCE

In this Alux.com video we will be answering the following questions:
What are the habits of smart people?
What habits are making you smarter?
What habits benefit you the most?
What are the most valuable habits you should have?


-
Get Rich Playlist: https://www.youtube.com/playlist?list=PLP35LyTOQVIsxb5Mf-Pr1xHJMZPtdIX8q

Take Action Playlist: https://www.youtube.com/playlist?list=PLP35LyTOQVIuhLj_V6ThqHhVN52kozybm

All Sunday Motivational Videos: https://www.youtube.com/playlist?list=PLP35LyTOQVItYEFKYW1WdjcHFuXt0s5h-

Book Club: https://www.youtube.com/playlist?list=PLP35LyTOQVIvGYVKBE8qEwmP-S_Z7i0lL
-
Social Media:
https://www.instagram.com/alux/
https://www.facebook.com/alux
https://www.twitter.com/aluxcom
---
Alux.com is the largest community of luxury & fine living enthusiasts in the world. We are the #1 online resource for ranking the most expensive things in the world and frequently referenced in publications such as Forbes, USAToday, Wikipedia and many more, as the GO-TO destination for luxury content!

Our website: https://www.alux.com is the largest social network for people who are passionate about LUXURY! Join today!

SUBSCRIBE so you never miss another video: https://goo.gl/KPRQT8
--
To see how rich is your favorite celebrity go to: https://www.alux.com/networth/
--
For businesses inquiries we're available at:
https://www.alux.com/contact/

www.Alux.com is the largest community of Luxury & Fine Living enthusiasts in the World. Alux a world-wide recognized Authority when it comes to ranking the most expensive things in the world and frequently referenced in publications such as Forbes, USAToday, Wikipedia and many more as the Go-To resource in terms of luxury content!

Alux.com is more than a "magazine", it is a social platform where people passionate about what it means to live an elegant, beautiful and successful life, come to enjoy, share and discuss their own take on luxury.

Alux.com

15 Habits That Make You SMARTER Every Day

The old school method of job progression is dead for two reasons:<ul><li>Job security is dead, no more staying at the one company forever.</li><li>The internet and technology has created the means for much more flexible work styles.</li></ul>

The Death Of Job Security

Entrepreneurship is like dating – failures are unavoidable and are a part of learning. What matters most is resilience.If the pursuit of a risky dream imparts useful business skills along the journey, then even in the worst case, the pursuer ends up learning useful skills.

That Risky Dream

<ul><li>Street smarts & practice, where you’ve learned it “in the real world” and know how to apply it. Only learned by doing it.</li><li>Theoretical, abstract knowledge you get from books and school that doesn’t have a tie to your experience and the real world. Harder to apply.</li></ul>

Two Kinds Of Knowledge

Impact requires venturing into the unknown (whose risk most people avoid) and leadership (which acts as a multiplier of impact).Four steps:<ul><li>Get financial stability: Get rid of debts, and have some savings.</li><li>Create room for experimentation: Figure out a job schedule which allows for experimentation</li><li>Begin experimentation: Use money from step 1 to experiment around (while keeping the source of money around)</li><li>Strike out on your own: Either as a part of the current organization or on your own, follow the direction set by a successful experiment from step 3</li></ul>

Making An Impact: On Your Own

Two powerful questions for making connections and providing value to people:<ul><li>What’s most exciting for you right now in your life/ business?</li><li>What’s challenging for you in your life/ business right now?</li></ul>

The Two Questions

Great networking is not about the back-and-forth, it’s about giving with no expectation of anything in return.There are two basic ways to find great connections<ul><li>Find people with great future potential and help them in reaching their goal</li><li>Add some value to the life of someone who is already established (common areas being personal finance, relationships, health, hobbies, and causes or a specialized skill which could be of use to the receiver) or connect them to someone where a connection could create a win-win potential for both parties</li></ul>

Making Worthwhile Connections

The general perception of marketing is that it’s sleazy and manipulative, the reality is that good marketing is making your potential customers know about you (or your company).A lot of businesses fail because they are not able to reach out to the right customers.

Marketing: Don't Let Your Company Remain Obscure

People don’t talk about the best-writing author; they talk about the best-selling author.

<ul><li>One can get better at a particular craft but being able to sell oneself is equally important (successful people in a craft are not always the best individuals of that craft).</li><li>Success is a skill – it consists of the skill of marketing, the skill of sales and skill of leadership.</li><li>Sales are about knowing what customer needs and if you have a good solution/product, offering it.</li><li>Leadership is about being able to influence (not manipulate) people not control them.</li></ul>

Sales As A Leadership Skill

Learning as an adult: Adults need a reason to learn something, they are involved in planning as well as evaluation, more interested in subjects having immediate relevance, more interest in problem-oriented (as oppose to content-oriented), and prefer more self-directed education (as oppose to taught).

Investing for Success: Learning

Your brand is what people think about when they hear your name.One should have a website under his/her name to establish the brand.<a href="http://scobleizer.com/">Robert Scoble</a> started blogging when there were ~200 blogs in the world. Worked in NEC sales dept, eventually hired by Microsoft and that did not go well. Currently, working as the public face of Rackspace. His biggest credential being able to build his professional presence at the right time.

Building Your Brand

<ul><li>An entrepreneurial mindset focuses on contribution, outcome and moves towards big decisions even without authority.</li><li>The employee mindset, on the other hand, focuses on entitlement, output, and turns away even from small decisions.</li><li>Entrepreneurs see current circumstances as temporary, but employees seem them as permanent.</li></ul>

Entrepreneurial vs. Employee Mindset

Entrepreneurial mindset people carve out their path as oppose to working on the path carved out by someone else.<a href="https://en.wikipedia.org/wiki/C%C3%A9sar_Ritz">Caesar Ritz</a> started as a waiter, but he looked at himself in a waiter role, as a transitional point, to hotel manager one day.<a href="https://en.wikipedia.org/wiki/Louis_Marx">Louis Marx</a> fought hard with his employer (Ferdinand Strauss) to shut down the retail business and focus solely on toy manufacturing. He failed, so, he left and started his own company (Louis Marx and Company) which became the largest toy manufacturer in 1920s.

Work Yourself Out Of Your Job, To Take A Bigger Role

Move out of that bad job and do something on our own.

Some of the smartest, most successful people in the country didn’t finish college. None of them learned their most critical skills at an institution of higher education. And like them, most of what you’ll need to learn to be successful you’ll have to learn on your own, outside of school. Michael Ellsberg set out to fill in the missing pieces by interviewing a wide range of millionaires and billionaires who don’t have college de­grees, including fashion magnate Russell Simmons and Facebook found­ing president Sean Parker. This book is your guide to developing practical success skills in the real world: how to find great mentors, build a world-class network, make your work meaningful (and your meaning work), build the brand of you, and more. Learning these skills is a necessary addition to any education, whether you’re a high school dropout or graduate of Harvard Law School.

career

Career

education

Learning & Education

books

Books

Some of the smartest, most successful people in the country didn’t finish college. None of them learned their most critical skills at an institution of higher education. And like them, most of what you’ll need to learn to be successful you’ll have to learn on your own, outside of school.Michael Ellsberg set out to fill in the missing pieces by interviewing a wide range of millionaires and billionaires who don’t have college de­grees, including fashion magnate Russell Simmons and Facebook found­ing president Sean Parker.This book is your guide to developing practical success skills in the real world: how to find great mentors, build a world-class network, make your work meaningful (and your meaning work), build the brand of you, and more. Learning these skills is a necessary addition to any education, whether you’re a high school dropout or graduate of Harvard Law School.

Michael Ellsberg

The Education of Millionaires

There is a complete loss of confidence in the space. Bitcoin and other cryptos are plunging, and companies such as Coinbase are announcing layoffs. However, cryptos are falling sharply because they are being hit by the same factors impacting stocks and other assets. Consumer prices are surging, and the Federal Reserve is hiking interest rates to bring down inflation.

The cryptocurrency world is in chaos

Since Bitcoin hit an all-time high in November, the value of the world's most popular digital currency has fallen by about 70%, Ether is down by around 70% this year, and so is Dogecoin. Bitcoin's backers have always claimed the digital currency would be an "inflation hedge," but it hasn't behaved that way. Instead, this crash in crypto prices shows that cryptocurrencies are primarily speculative financial assets subject to macroeconomic forces.

Cryptocurrencies are by and large speculative financial assets

It's been a rude awakening for the millions of people who bought cryptocurrencies. 2021 was the height of digital currencies, which swelled to $3 trillion. Today, the total value of the crypto market has been shaved to about $1 trillion. Some backers of cryptocurrencies still believe a "crypto winter" could lead to a "crypto spring." In the past, deep downturns have led to strong rebounds.

What is means for those who got into cryptos

The increase in amateur investors, combined with the growing complexity of some of the cryptocurrency products, are worrying regulators as they want to prevent people from being taken advantage of. Crypto markets are still fairly new and there is no clarity on who is in charge of overseeing the space. At the moment, both the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) claim oversight of parts of the crypto market.

Regulations on the sector

Bitcoin and other cryptocurrencies are plunging. Here's what to know about a market that just a few months ago was being touted as the future of finance.

Why cryptocurrencies have gone from the next hot thing to a full-on meltdown

Today we are living in generation where spending money is like hand scum.We all need to control on money the things we don't need we don't have to buy them because after all we are buying expensive things for people who we want to show off I would like to remind you the best scene from "fight club" where Brad pitt aka tyler durden tell us about money things.Advertising has us chasing cars and clothes, working jobs we hate so we can buy things we don't need, and the things you own, end up owning you

Spend Your Money Wisely 

Yes it's true there is no shortcut to make money or there is no tool to make your money double but yes i can say it is possible to make this system but all you need to do is hardwork to create the automation system. gambling is Devil things you betting for double but actually there is secret whatever you own by winning you stay motivated by greed.

Gambling Can Finish You

Today we are living in illusion that if we have money we can do anything but in reality we all know money is just a paper and just a source to control or substance of lifestyle that's why we can buy insurance but not safety, comfortable bed but not sleep,good doctor but not health. This is just small example we can not buy with money in this material world.

Money Is Not Everything 

Trusting people blindly is just that you are buying a product with knowing it and you put your expectations higher on the person but the person is not actually capable of handling the expectations of yours and soon it breaks up your heart and then finding difficulties in the trust section in a human relationship.Don't expect much from the people,Always keep an impression of acceptance,Trust is the important impression for you so see all the things and then think about trusting it.Don't be nice to everyone. And don't certainly trust everyone. Do things for yourself.

Never Trust Blindly 

Anyone who thought the rise of remote and hybrid work would would be the downfall of teamwork has probably changed their tune by now. The truth is, teamwork is more important than ever.Here is some some benefits of teamwork and it will help you to win1.Better problem solving 2.Increased potential for innovation3.Happier team members4.Enhanced personal growth5.Less burnout6.More opportunities for growth7.Boosted productivity8.Smarter risk taking9.Fewer mistakes10.Expanded creativity

Teamworks Make You Win

This things are basic but too meaningful.

teamwork

Teamwork

leadershipandmanagement

Leadership & Management

5 lessons from squid game 

The idea behind a designated worry break is not to succumb to all the stress, but to concentrate your worrying time into a productive “session” of sorts. Stressful thoughts find a way to intrude and disrupt your daily life. By scheduling a separate chunk of time to address them all, you’ll be able to focus on other things throughout your day.

Why?

Choose your time to stress. Mark it in your calendar, set a reminder, and don’t bail on yourself. To start out, carve out 15 or so minutes once a week.When your scheduled worry break rolls around, it’s time to stress. But the key is to stress constructively.Try to get your worries down in words. Writing them down in list form is daunting, but an excellent practice in perspective. It helps to take abstract, overwhelming emotions surrounding each stress item, and then transforms them into what is bothering you on a more concrete (and manageable) level.

Choose Time

Next, dedicate time to each item on your list. Circle the ones that are ostensibly in your control. For instance, “my purpose in life” is a tad too abstract to tackle in this 15 minute session. However, something like “making time for my family” is a starting place for creating actionable solutions. For each stress item, try to brainstorm several potential solutions, e.g. “ask ____ for help” or “schedule a proper date night.”Not every source of stress has an actionable solution; in fact, a lack of obvious solutions is probably the source of a lot of your stress.

Dedicate Time and Write

As you get used to attending to your stressful thoughts, here are some guiding questions to ask yourself:<ul><li>Is this worry within my control?</li><li>What aspects of this concern are in and/or out of my control?</li><li>What mental hang-ups are making this stress worse?</li><li>How would I approach this if I had unlimited time and resources?</li><li>What is getting in the way of me overcoming this hurdle?</li><li>How do I really feel about this stress?</li><li>What is the ideal outcome in this situation?</li><li>What is a first step I can take?</li></ul>

Questions to guide your worry break


marketingandsales

Marketing & Sales

health

Health

communication

Communication

Why You Should Schedule Your Stress

The Bet That Proved Passive (Index) Investing is Superior to Active Management

Gambling Verses Investing

Warren Buffett the CEO of Berkshire Hathaway is one of the most successful investors of all time, he is also known as the “Oracle of Omaha.”

In a 2005 letter to the shareholders of his company wrote that active management professionals (hedge fund managers) not outperform individuals who used a passive (index) investing strategy over a ten-year period. To prove his sincerity in this belief he offered $500,000 (for charity) to anyone willing to accept his challenge.

Attempting get rich schemes may very well lead to going broke quickly. Trying to get rich quick is gambling it is not investing.

Investing Verses Gambling

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