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Welcome to the Blog of Teresa Duncan, Owner of Odyssey Management. Inc.

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It is important that you understand what you are getting into!

It is important that you understand what you are getting into!

 

This is my story:

For a long time, I struggled in life to make my ends meet because I believe in Karma. If you thought that was philosophical and I must check myself there, I want to reiterate that it was only because of karma that I suffered so long with hardly any money on myself almost threatened into homelessness.

You see when I was in college majoring in finance, I came across a lot of people at the hostel where I was put up for the graduation doing petty financial transactions on trading software. I would make fun of these boys and tell them to either bury their heads in their books or just take up a part-time job at the department store or a gas station.

What I did not know was online trading would become one of the most lucrative of all professions in the time to come:

So, while I slogged at the books and later at the gas station until late evenings, my friends would huddle up in their rooms and make a bit of money. Of course, it would be small money but they were making it nevertheless without staining themselves and working their bottoms out!

I tried my hand at trading only when I did not find a full-time job:

I was scammed repeatedly and I was almost going to give up on it when I hit upon this software called the Ethereum Code. This one is trading software for cryptocurrencies alone. I had no idea about trading in cryptocurrencies and I was almost skeptical about investing another chunk of my already depleting money resource.

But this time, something kept telling me that this was the right break that I was looking for. So in spite of little voices in my head, I went ahead and opened a trading account with them.

I couldn’t believe my eyes the next morning:

I had no option but to set the account settings to autopilot because I had no idea how cryptocurrencies worked. But the next morning, I found that my trading balance was exactly double! I rubbed my eyes to see if it was real or a dream. It was indeed a lot of money to make in one night!

It’s been six months already and even though I occasionally lose some money now and then, subsequent profits help me recover all of it soon. I can afford a lot of things with my new source of income and best is that now I also maintain a separate corpus as savings for a rainy day!!

You can read more about Ethereum Code on the internet or on my personalized blog where I have documented my journey from rags to riches!!

Valuable Investments

Valuable Investments

investments are the second source of income during the crisis and they become the backbone when they are left for a longer time. There are varied sources and points to invest, but only a handful of them yield great returns.

Till sometime back, real estate investment, stock markets, and mutual funds; but now the trend has changed. It’s no more the old modes, it all about Cryptocurrencies, bitcoins, and Ethereum.

These new digital currencies have been now an accepted form in most of the places and have been growing exponentially since then. If one had invested in bitcoins or Ethereum a year or two before, then today the same price would be in ‘x’ folds.

Many assume that Ethereum is still in a growing phase and doesn’t fit the investment cycle in the currencies! But wait, before you conclude and judge, please read on these things.

Ethereum is undoubtedly the second highest valued currency next to bitcoin. But there are certainly better features that make it the stand in the 1st place in the coming years. Read here, why Ethereum can be the best choice of investment for you.

Cryptocurrency is itself a young segment that is having a lot option to grow and sustain here very convincingly. With many coins in mining, bitcoin has taken the first place due to its simplicity and ease in use. Next, Ethereum is in line and with a high rate of bitcoin and in use, Ethereum will also find its place.

Ethereum as the launch pad:

To launch any of the crypto coins, Ethereum is essential. Yes, this currency is the base to launch any other new tokens, so this currency is the base for all others, and would surely see growth and exponential form until this crypto industry thrives. Since that is the second largest currency, its been starting to get accepted into various places.

The technology of Ethereum:

Though both bitcoins and Ethereum use the same technology, the blockchain, its working pattern is different. Bitcoin uses the Proof of Work system to validate the technology, while Ethereum uses the Proof of Stake technology to validate the system.

The major difference is that the PoS is more cost and energy efficient. Bitcoin and even the cryptocurrency is using up more energy and cost and is consuming more money for the overheads in case mining to be continued, hence Ethereum will find the best place on the list. So, to start your journey Ethereum, the Ethereum code is the best place and you can read more about the Ethereum code here!

 

What Makes It Difficult For People To Understand The Market Cycles?

Even though most of us know that the stock market follows cycles, there is still a lot of mystery why one is unable to spot it. It is important that one understands this market dynamics on Ethereum Code review to be able to benefit from it.

  • The length of each cycle is different- Every market cycle is of a different length. Sometimes the cycle could last only for a year and other times for decades.
  • Valuations are not constant- Valuation or the price to earnings ratio keeps changing and they differ from one cycle to other. So what may be expensive in this cycle may not be expensive in the next. There is thus no set value when you know that if say the P/E is 50 then the market is overvalued or when P/E is 10 then the market is undervalued
  • There could be one cycle within another- The stock market cycle is defined in a set But it can happen that there is a cycle within a cycle. The individual sectors could have their own cycles and small cycles would affect different stocks etc. These actually get very confusing and for a retail trader, it is impossible to understand these embedded cycles.
  • Interest rates- The interest rates always play a major role to affect these So these have to be tracked as well. Low-interest rates mean that the stocks will perform well. The high-interest rate is not good for the stocks so they fall in value.
  • The stock market and the economic cycle-There is a difference between the market cycle and the economic The economic cycle is basically a measure of the growth rate of the economy. The market cycle is basically a representation of the investor’s willingness to either buy or sell the company stocks. There is a connection between both these cycles but if you thought that they line up perfectly then that does not happen.
  • Getting out of a market- Selling the investment at the market peak is something that most of the investors are not able to do. This is easier said than done because psychology starts playing a major role here.
  • No one likes the bottom- The stock valuations are cheap but investors feel that there are more downside risk and thus very few investors actually make use of the low prices in the market. Investors see that all are making money and this stops them from exiting the market.

 

Social Security –The Pros and Cons

Social Security is a welfare or insurance program managed by the Government with an aim to provide benefits to the retirees and disabled workers. These benefits can also be paid to the dependents of the deceased workers. These benefits include retirement income, disability income, and medical insurance. The benefits are paid to the survivors in case of death of the employee while he is in service. Most nations in the world have their own distinct social system.  The system that operates in the US is one of the largest Government programs in the world.

Types of Programs

Each country has different systems in place to channelize the welfare measures to the beneficiaries. However, the programs can be broadly classified into two types, one is the defined contributory system and the other one is defined benefit system.

  • Defined Contributory System is one that is most commonly used. It is the system that is similar to the pension funds where the workers contribute a percentage of their income so that they can get benefits when they retire. The Governments also contribute some amount to this fund. It is paid to the retirees on the event of retirement. This also covers the disability and death benefits.
  • Defined Benefit System – is one where the Government pays a fixed amount to the workers irrespective of their contribution. The benefits are paid to the retirees from the amount that is contributed by the workers into the system.

Advantages

This system was formed with the main aim of promoting the welfare of the elderly population so that they can continue to lead a decent lifestyle even after the retirement.

Income – It provides a steady income to the retirees in their old age. It also comes as a helping hand to the survivors or dependents in case of death of the worker. If the breadwinner in the family is disabled, the family gets the disability income to support them further.

Better planning of finances – The workers can choose how they want to benefit from the systems as they can delay the retirement age. The benefits will be maximized if the retirement age is delayed.

Drawbacks

Government funds – Though contributory schemes are based on the contributions from the workers, the defined benefit scheme puts a lot of strain on the Government funds which will eventually mean more taxes will be levied on the working population.

Not all are covered – The system may not benefit all. People who do not have a steady and regular work history may not get the benefits of this welfare scheme.

Though it is a huge expenditure for the Government to fund such welfare programs, it definitely benefits the aged people when they need financial assistance the most.

Cryptocurrency trading is also one of the attractive income earning options for the retirees. Anybody who has access to the internet and a computer can trade via the trading tools available online. Ethereum Code is one such online trading tools. Ethereum Code review has real-life testimonials of users who come from different backgrounds and age groups who have been equally benefitted from trading on this platform.

 

 

 

Top 5 Purposes  for Business Valuation

                                              Top 5 Purposes  for Business Valuation

Business valuation is done for many reasons, understanding the position of their share in the market, how they fare in the top slots in any business forums, mergers, acquisitions, etc., the reasons could be many. Business owners, investors, shareholders regulatory authorities and others could need the valuation of how the business is running to understand how they are on par with other similar companies in the same or other sectors.

Purposes of valuation of the business

  • to allocate a purchase price
  • in the process of liquidation of the company
  • reorganization of the company from its existing business to foray into some other products and services
  • going for an
  • initial public offer
  • contribution to charities
  • stock option Incentives
  • assessing insurance claims
  • In the broader perspective the assets, the market, and the earnings approach are more common in determining the fair price of the business, including the technology and software like Crypto CFD Trader. There is, however, different ways to value, depending upon nature, source and the purpose for which the valuation is done.

 

Top five purposes

  • the most common while a acquisition and merger is happening, the business valuation is undertaken as a first step, only if the results are favorable, then the next step to negotiate and go for acquiring an existing or new company or merge into an existing or new business is done for the pricing and other regulatory requirements
  • selling the business cannot be done without knowing the net worth of the business, and determining the fair market value is important before entering into any sale agreement, and knowing the most probable selling price is an advantage before entering into any negotiations
  • in partnership form of business it is common to value the business in an all buy-sell agreement between the partners, so in the case when the shareholders want to buy the business and there is an agreement to that effect to value the business by professionals who determine the fair market value
  • transferring a portion of the business to the employees involves the valuation of the business which is complex, however, ESOP is common, by giving employees a portion of the stock as benefits instead of cash incentives, is done with a help of professionals
  • Limited liability companies, the minority shareholders may request the valuation of the business to understand their share that can be gifted and retain the major portion for the estate.

 

Different ways to invest your money

Different ways to invest your money

Everyone would have heard of investing in bonds and stocks, but there are many different ways one can invest their money to secure the future, like mutual funds, real estate, Certificate of deposits etc and the list just goes on.  Hence you should learn about the different options available so that you can choose the one which you prefer.  First, you need to understand about the terms that you come across in relation to investments. Listed below are few of them.

  • Assets- It is the resource owned by you which is expected to increase the value in future.
  • Holdings- It is the specific assets that constitute the investment portfolio.
  • Asset classes- It is the group of assets which has similar characteristics. Usually, it includes bonds, cash, and
  • Portfolio- The portfolio refers to all the investments put together in a group. Investing in different types of assets means diversifying your portfolio.

Below mentioned are different ways you can invest to earn profits.

Stocks- It is also known as the shares or equities wherein you have a stake in the organization and its profits.  Basically, you will be having a partial ownership of the company.  The shares can be bought and sold in the stock market to earn a profit.

Currency or cryptocurrency- You can buy and sell normal currencies in the forex market and the digital currencies like bitcoins in the cryptocurrency market.  The advantage of trading in cryptocurrency market is that it has automated trading software like crypto CFD trader which will help you with the entire process of trading.  You can continue reading here to know about the benefits and how it has helped people to earn money.

Bonds- It is a debt investment. You loan money to the government or a corporation when you purchase the bond and they will pay you back that amount along with interest over a specific period of time.

CDs- Certificate of deposits or CDs is the promissory note that has been issued by the bank. You can buy it from the bank.  The banks will offer you a higher rate of interest based on the period you wish to invest in these.

Real estate and precious objects like gold, art, etc- Real estate investing will give you result after a long period of time. You need to hold the property for few years for the value to appreciate.  Collecting art for the purpose of res-selling at profit also can be considered as an option.

 

 

How Does Market-Drivers And Related Regulations Influence Electronic Trading?

 

Regulatory changes associated with the market helps in bringing trends in the trading sector. Any change occurring with this review can really affect both the supply and demand for market-making services and are often referred to as the drivers of adjustment in the market making framework.

Market-driven adjustments offered to MM services

It is a known fact that the market-making involves risk. Since the last years, many dedicated market participants from the most advanced economies and also from the several emerging markets have helped in decreasing the stress linked with these risks.

  • One way to achieve this is by selecting the typical financial instrument. When considered from the view of market liquidity, when a generous amount of supply-demand imbalance is sensed, the market-makers willingly come forward to take and mitigate the respective inventory risk and thereby helps in creating a marked decline in the dealers’ risk tolerance level that would adversely affect the economic market resilience.
  • As a result of financial crisis, many nations suffered a decline in the VaR aggregate which then became a trend among the major banks established with the advanced economies and is often bonded to widen the deleveraging efforts.

 

The main market driving factors include

  • Reassessing of risk-return trade-off: After experiencing the financial crunch, almost all the market makers have started reassessing the trading returns as if they are high and robust enough to justify the risk taken. The risk incentives from the return of similar activities have been revised and further has led to the reconsideration of allocating both capital and the funding cost to increase the rate of taking market risk.

 

  • A responsive way of risk measurement: Some of the risk measuring factors like VaR always tend to rise with the increase in volatility keeping risks close to the given trading constraints or VaR value. Special consideration should be given to the dealers’ feedback that signals the volatility changes and this help us to be ready with the decent risk measures. Both of these factors have a direct relationship and the MMs are forced to reduce their recent exposures aggressively than in the past.

 

  • Alternatives for redistributing risks: MMs are always ready with alternative ways for hedging or netting out their positions especially in the liquid markets. But with the rise of the financial crisis, all these derivatives and strategies have deteriorated and has proven to be less effective in nature. This, in fact, has reduced the risk tolerating level of MMs as they step in great positions that are truly difficult to hedge.

 

 

The Three Popular Misconceptions About The Bitcoins

The world of cryptocurrency, especially the Bitcoins is indeed, interesting! On one side lies the interesting benefits of the Bitcoins and, on the other side, the interesting misconceptions about them! The former leads you towards a brighter future whereas the latter prevents you from enjoying and therefore, it is necessary to evade them by understanding the actual facts about the Bitcoins! It is what we are here to do today, where the 3 popular misconceptions would be decoded to know the original purpose or the information behind them!

  • You could only Buy A Whole Bitcoin

Many people, who are interested in owning the Bitcoins, either by mining them or by following the crypto robots believe that they can only buy them as a whole unit, which is wrong! The benefits of investing in the Bitcoins also lies in its divisibility, where it can be divided up to as small as 1/100th millions of Bitcoin that are easily affordable when compared to buying a whole one unit!

 

  • It’s absolutely anonymous

There are a few, who shun the idea of investing or owning the Bitcoins because of its anonymity, as they feel this anonymous nature invites more darker powers or shadier people to use or appreciate the Bitcoins more! But, in reality, this is not entirely true! That is, the Bitcoin is not completely anonymous, as all the transactions go into the public ledger by citing the public key of yours! Although this public key wouldn’t have your name, it is the same when used from the same Bitcoin wallet address and therefore, by following one or the other ways like, getting your keys (if you lost them or if you share them), hacking, obtaining your mobile one could identify the person behind the transaction!

Well, what we are trying to mean here is, Bitcoin although allows you to be anonymous, you cannot expect that overtly freedom that allows you to evade the law, in case of any misappropriate actions!

 

  • Bitcoin will be banned soon

Perhaps, the funniest quote of the era! It is OK if you do not believe in the Cryptocurrencies or especially the Bitcoins but, for that, you cannot mislead the people by misquoting! While already few of the popular companies like, Overstock, Microsoft, and Dell started accepting payments in Bitcoin, few of the governments have made the use of virtual currencies legal in their country, which shows not only the Bitcoins, even the other genuine altcoins would not disappear any soon from this globe!

Therefore, it is high time you start investing in the Bitcoins by using uncomplicated means like the Bitcoin Code! But, is the Bitcoin Code legit? Read and Know!

Where to buy Bitcoins and how to trade in them

$8000 and above is still a very decent price for bitcoin and not one to be overlooked. After a dream rise late last year the popular cryptocurrency took a dip by almost 70% but currently it is still doing well.

What is it about cryptocurrencies that are fascinating the public and the industry? The price is proof enough that this cryptocurrency and many more to follow are here to stay despite being looked down by the likes of Warren Buffet.

Sadly, though people are still very confused on how to buy and sell these cryptos. It is not possible to step into a bank or any other financial institute and flash your fiat currency and buy bitcoin. Usually, bitcoins are mined but that requires a lot of server power, money and time.

How to buy bitcoins

But you don’t have to become a bitcoin miner that is for the more serious investor with bigger stakes. Here are a few ways you can get your hands around the enticing bitcoin and its siblings like the Ethereum and Litecoin.

  • The online marketplace is an easily accessible place to buy cryptos especially bitcoin from other users directly.
  • Then there are bitcoin ATMs that sell bitcoin. These ATMs are similar to the regular ATMs and you can use fiat currency to buy bitcoins. Currently, there are over 2393 bitcoin ATMs in the US.
  • But probably the best and the safest for a beginner is to use any of the several digital cryptocurrency exchanges or brokers across the nation

But before you buy your bitcoin you must have a wallet to keep your bitcoins.

Bitcoin Wallet

This is not a physical wallet in which you can store anything. It is basically a set of public and private keys that safeguard your investment. The most convenient wallets are the online and mobile wallets which are cloud-based systems. Hardware wallets are supposed to be the safest but then they are also expensive.

Trading in bitcoin

It is not necessary for you to have actual bitcoins to trade in them. You can get an automated trading system like the Crypto VIP Club to make a foray into cryptocurrency trading. Ok, so you have heard a lot about the scams in the crypto world and are wondering, “Is it a scam?” That is the right thing to do – the question before you proceed; do not invest in any system till you ascertain its authenticity. Visit the United States Securities and Exchanges website to know more about the regulations on these systems.

Things about Ethereum code

If the Bitcoin is the king in the world of cryptocurrency, then Ethereum is the queen. The Ethereum price has rocketed in recent times and it is one of the promising cryptocurrencies. Ethereum is called Programmable money since it is used to write smart contracts and Dapps with an inbuilt programming language called Solidity. Ethereum is just built to overcome bitcoin by doing things which bitcoin did not achieve. Ethereum will let us run programs which can never be hacked by anyone.

How to get Ethereum:

There are just three simple steps to buy or sell there.

  1. Sign up for coinbase:

We have to sign up for a coinbase account so that we will get a safe and secure place to convert our local currency into digital currencies.

  1. Connect our bank account:

We need to give our account details either credit card or debit card details. There will be some verification process before we start an account.

  1. Buy and sell ethereum:

After the signing up process gets over, it will complete our buy and deliver our ethereum. In the same way, we can sell our works.

How to use it:

There is a method for exchanging, storing, and trading ether. That method or program is called Coinbook. It is just an online wallet. It was designed and developed by a design company known as Engine collaborative. That design company came to know that there are many products for the people to manage and view their cryptocurrency. So, they have finally designed this. It minimizes the transaction process and makes easier for the individuals to be drawn to this cryptocurrency. There is no understanding of computer programming or code.

Purpose of ethereum:

Ethereum developers can build anything with freedom. Bitcoin is one particular application of blockchain technology, whereas there code extends the concept of cryptographic proof to trust fewer agreements.

Uses of ethereum:

Ethereum is used in all verticals. Some of them are given below.

  • Ethereum in healthcare:

Ethereum code can be used in health care system. The hospitals around the world can store, access and share the details of the patients.

  • Security:

There is no central server for a hacker to hack our website and misuse our personal information.

  • Privacy:

When there is a central server, the company will collect our personal information and sells it to the advertisers. But, that will never happen here since there is no server.

  • Storing data:

The blockchain technology in Ethereum code can be used to encrypt and transfer data between the server quickly.

 

Conclusion:

Thus conclude that there is good and well in its way to address several concerns which have bogged down the network. It is a runner-up to bitcoin. It will be a major investment in future if they retain and improve the advantages and uses mentioned above.

Follow Teresa on Twitter!

About The Blog Author

Teresa Duncan received a degree of Master of Science in Healthcare Management from Marymount University. With over 22 years of healthcare experience (15 in dental), she has unique insight into the world of dentistry. Her specialty is helping dentists and managers increase revenue. By focusing on accounts receivable and insurance management, she helps dentists increase the value of their practice. As a member of the Association of Certified Fraud Examiners, she has a special interest in helping dentists identify and safeguard against employee embezzlement.

Teresa is founder and president of Odyssey Management.

She is a Fellow and Educator for the ICOI’s Association of Dental Implant Auxiliaries. Look for more articles from her regarding practice management, dental implants and oral health care news. She was named 2010’s ADIA Educator of the Year.

Teresa is a member-at-large on the board of the Academy of Dental Management Consultants.

Teresa is a Trustee for the auxiliary education-focused DALE Foundation.

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