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learnwithcadl123 · 22 days

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Marketing Certification In Zirakpur (CADL)

#Marketing Certification

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phoenixyfriend · 3 months

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Ko-Fi prompt from Isabelo:

Hi! I'm new to the workforce and now that I have some money I'm worried it's losing its value to inflation just sitting in my bank. I wanted to ask if you have ideas on how to counteract inflation, maybe through investing?

I've been putting this off for a long time because...

I am not a finance person. I am not an investments person. I actually kinda turned and ran from that whole sector of the business world, at first because I didn't understand it, and then once I did understand it, because I disagreed with much of it on a fundamental level.

But... I can describe some factors and options, and hope to get you started.

I AM NOT LEGALLY QUALIFIED TO GIVE FINANCIAL ADVICE. THIS IS NOT FINANCIAL ADVICE.

What is inflation, and what impacts it?

Inflation is the rate at which money loses value over time. It's the reason something that cost 50 cents in the 1840s costs $50 now.

A lot of things do impact inflation, like housing costs and wage increases and supply chains, but the big one that is relevant here is federal interest rates. The short version: if you borrow money from the government, you have to pay it back. The higher the interest rates on those loans, the lower inflation is. This is for... a lot of reasons that are complicated. The reason I bring it up is less so:

The government offers investments:

So yeah, the feds can impact inflation, but they also offer investment opportunities. There are three common types available to the average person: Bonds, Bills, and Notes. I'll link to an article on Investopedia again, but the summary is as follows: You buy a bill, bond, or note from the government. You have loaned them money, as if you are the bank. Then, they give it back, with interest.

Treasury Bills: shortest timeframe (four weeks to a year), and lowest return on investment. You buy it at a discount (let's say $475), and then the government returns the "full value" that the bond is, nominally (let's say $500). You don't earn twice-yearly interest, but you did earn $25 on the basis of Loaning The Government Some Cash.

Treasury Notes: 2-10 year timeframe. Very popular, very stable. Banks watch it to see how they should plan the interest rates for mortgages and other large loans. Also pretty high liquidity, which means you can sell it to someone else if you suddenly need the cash before your ten-year waiting period is up. You get interest payments twice a year.

Treasury Bonds: 20-30 years. This is like... the inverse of a house mortgage. It takes forever, but it does have the highest yield. You get interest payments twice a year.

Why invest money into the US Treasury department, whether through the above or a different government paper? (Savings bonds aren't on sold the set schedule that treasury bonds are, but they only come in 30-year terms.)

It is very, very low risk. It is pretty much the lowest risk investment a person can make, at least in the US. (I'm afraid I don't know if you're American, but if you're not, your country probably has something similar.)

Interest rates do change, often in reaction or in relation to inflation. If your primary concern is inflation, not getting a high return on investment, I would look into government papers as a way to ensure your money is not losing value on you.

This is the website that tells you the government's own data for current yield and sales, etc. You can find a schedule for upcoming auctions, as well.

High-yield bank accounts:

Savings accounts can come with a pretty unremarkable but steady return on investment; you just need to make sure you find one that suits you. Some of the higher-yield accounts require a minimum balance or a yearly fee... but if you've got a good enough chunk of cash to start with, that might be worth it for you.

They are almost as reliable as government bonds, and are insured by the government up to $250,000. Right now, they come with a lower ROI than most bonds/bills/notes (federal interest rates are pretty high at the moment, to combat inflation). Unlike government papers, though, you can deposit and withdraw money from a savings account pretty much any time.

Certificates of Deposit:

Okay, imagine you are loaning money to your bank, with the fixed term of "I will get this money back with interest, but only in ten years when the contract is up" like the Treasury Notes.

That's what this is.

Also, Investopedia updates near-daily with the highest rates of the moment, which is pretty cool.

Property:

Honestly, if you're coming to me for advice, you almost definitely cannot afford to treat real estate as an investment thing. You would be going to an actual financial professional. As such... IDK, people definitely do it, and it's a standby for a reason, but it's not... you don't want to be a victim of the housing bubble, you know? And me giving advice would probably make you one. So. Talk to a professional if this is the route you want to take.

Retirement accounts:

Pension accounts are a kind of savings account. You've heard of a 401(k)? It's that. Basically, you put your money in a savings account with a company that specializes in pensions, and they invest it in a variety of different fields and markets (you can generally choose some of this) in order to ensure that the money grows enough that you can hopefully retire on it in fifty years. The ROI is usually higher than inflation.

These kinds of accounts have a higher potential for returns than bonds or treasury notes, buuuuut they're less reliable and more sensitive to market fluctuations.

However, your employer may pay into it, matching your contribution. If they agree to match up to 4%, and you pay 4% of your paycheck into an pension fund, then they will pay that same amount and you are functionally getting 8% of your paycheck put into retirement while only paying for half of it yourself.

Mutual Funds:

I've definitely linked this article before, but the short version is:

An investment company buys 100 shares of stock: 10 shares each in 10 different "general" companies. You, who cannot afford a share of each of these companies, buy 1 singular share of that investment company. That share is then treated as one-tenth of a share of each of those 10 "general" companies. You are one of 100 people who has each bought "one stock" that is actually one tenth of ten different stocks.

Most retirement funds are actually a form of mutual fund that includes employer contributions.

Pros: It's more stable than investing directly in the stock market, because you can diversify without having to pay the full price of a share in each company you invest in.

Cons: The investment company does get a cut, and they are... often not great influences on the economy at large. Mutual funds are technically supposed to be more regulated than hedge funds (which are, you know, often venture capital/private equity), but a lot of mutual funds like insurance companies and pension funds will invest a portion of their own money into hedge funds, which is... technically their job. But, you know, capitalism.

Directly investing in the stock market:

Follow people who actually know what they're doing and are not Evil Finance Bros who only care about the bottom line. I haven't watched more than a few videos yet, but The Financial Diet has had good energy on this topic from what I've seen so far, and I enjoy the very general trends I hear about on Morning Brew.

That said, we are not talking about speculative capital gains. We are talking about making sure inflation doesn't screw with you.

DIVIDENDS are profit that the company shares to investors every quarter. Did the company make $2 billion after paying its mortgages, employees, energy bill, etc? Great, that $2 billion will be shared out among the hundreds of thousands of stocks. You'll probably only get a few cents back per stock (e.g. Walmart has been trading at $50-$60 for the past six months, and their dividends have been 57 cents and then 20.75 cents), but it adds up... sort of. The Walmart example is listed as having dividends that are lower than inflation, so you're actually losing money. It's part of why people rely on capital gains so much, rather than dividends, when it comes to building wealth.

Blue Chip Stocks: These are old, stable companies that you can expect to return on your investment at a steady rate. You probably aren't going to see your share jump from $5 to $50 in a year, but you also probably won't see it do the reverse. You will most likely get reliable, if not amazing, dividends.

Preferred Stocks: These are stock shares that have more reliable dividends, but no voting rights. Since you are, presumably, not a billionaire that can theoretically gain a controlling share, I can't imagine the voting rights in a given company are all that important anyway.

Anyway, hope this much-delayed Intro To Investing was, if not worth the wait, at least, a bit longer than you expected.

Hey! You got interest on the word count! It's topical! Ish.

#economics #capitalism #phoenix talks #ko fi #ko fi prompts #research #business #investment #finance #treasury bonds #savings bonds #certificate of deposit #united states treasury #stocks #stock market #mutual funds #pension funds

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sparkles-oflight · 7 months

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Bojan: Martin, are you a business?

Bojan: Cuz I want you as the B to my C. *Points down*

Martin: What?

Bojan: What do you mean "What"?

Martin: What does BC stand for?

Bojan:Communication BC? Business to Costumer?

Bojan: Or in this case my cock.

Martin: How the fuck did you expect me to get that joke?

Bojan: Because you study communication sciences?

Martin:

Martin: I STUDY COMPUTER SCIENCES!

#'leonor what do you use your digital marketing certificate for?' for making stupid jokes online nobody will get #peopl confusing communication sciences with computer sciences is a real life struggle #trust me #joker out #joker out incorrect quotes #incorrect quotes #joker out bojan #bojan cvjetićanin #martin jurkovič #joker out martin

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lilmccoy · 30 days

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If my local library or bookshop were to post full time positions, I'd apply in a heartbeat, do anything to get it. The library occasionally posts part time, which in one circumstance may work in a pinch, say, going back to school for a certificate. Which, seeing how my job is right now, may very well happen.

#loving how i got laid off a year ago because the company wanted asses in seats in person #and didn't want to pay us half of what we made #and now my current job is threatening a lay off for problems out of our control #but we're the ones blamed for everything #at this point i'm there for 4 reasons #income and health insurance #opportunity to transfer within the company and to better jobs #and mostly because i don't want to deal with this job market again #but the job is awful and the people even worse #part of me almost wishes they'd just go through with it and get me out of that hell hole with severance #but the job market is awful #i just want to hang out with my precious books all day #i should get one of the part time jobs and get the certificate #the certificate for a decent and in demand job #and get one of those jobs while getting my MLIS #did i just make my 5 year plan in the tags?#the world may never know #personal

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italoniponic · 2 years

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I want to praise eng twst for a bit bc, last year, when Endless Halloween came out and Crowley called the boys "Halloween Rescue mission" (or something like that) and they all cringed, I thought "ah, that's not so bad"

now...

HALLOWENDERS

I'M CRYING I'M LOSING MY MIND THE CRINGE IS TOO STRONG AWESOME WORK TO ALL INVOLVED IN THIS

#twisted wonderland #dire crowley #twst endless halloween #idc what you call is still endless for me #HALLOWENDERS ASSEMBLE #crowley why are you like this???#it's like someone's mother was so into halloween and the name wendell #but the birth certificated heard the (already bad) name wrong and mispelled #talk from experience bc there's a lot of people like that here #mr hallowenders's market + pharmacy... it is possible #cherry's mumbling about twst

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blueoceanedutech01 · 7 days

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#certification #digital marketing #digitalmarketingcertification #healthcare #marketing #seo #course #search engine optimization #business growth #ppc

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lunarlegend · 9 days

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blargh

the only thing that sucks about this area as a place to find a home is that it's got a very low population and thus very few houses to go up for sale at any given time

there's also a dramatic price jump

i'm limited to what i can afford on my one income, so i'm constantly having to filter out all the tiny camp homes, or houses in significant disrepair, because they will automatically pop up since they're technically in my price range

i also keep a cap on the listing price obviously, based on what i was preapproved for

but if i take the cap off....

the additional results have a huge gap in price, like at least 150k - 250k more, and most were built as vacation homes for rich people :/

plus it's all like, waterfront property and shit (which i don't want, because i hate the water)

so like

i almost never get new listings from my alerts. and it's frustrating. i'm looking for something that's around 1,100sqft, on an acre of land, but so is everyone else in my price range. so when something pops up, it goes fast, like that one i almost had (still keeping my fingers crossed that the other offer backs out, lol)

i want so badly to move up here as soon as possible, but i'm not desperate enough to settle for something that's genuinely too small, or that will put me in debt to fix. because why leave one type of misery for another, y'know? :/

can the housing market please crash already, lol

#like i'm finally in a place where i got my coding certifications and i have a wonderful remote job where i make decent money #and the housing market that was SUPPOSED to crash by now still has not #it's like all the pieces of the puzzle finally came together for me except that one #and i'm so tired of waiting #/vent

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bright-eyed · 6 months

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I think I wanna get a personal trainer/yoga instructor license and get a job doing that… these jobs pay extremely well by the hour and I’d get to set my own schedule and i’d get to do YOGA…

#the training program for the certification is literally like $1000 tho so i’ll have to think on it #i could pay it out and it would be nice to have that option when i graduate because the job market etc #it would also be so fun #i love yoga i love working out i love teaching i love helping people!#kennapost

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aarvyedutech · 4 months

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TOP 10 courses that have generally been in high demand in 2024-

Data Science and Machine Learning: Skills in data analysis, machine learning, and artificial intelligence are highly sought after in various industries.

Cybersecurity: With the increasing frequency of cyber threats, cybersecurity skills are crucial to protect sensitive information.

Cloud Computing: As businesses transition to cloud-based solutions, professionals with expertise in cloud computing, like AWS or Azure, are in high demand.

Digital Marketing: In the age of online businesses, digital marketing skills, including SEO, social media marketing, and content marketing, are highly valued.

Programming and Software Development: Proficiency in programming languages and software development skills continue to be in high demand across industries.

Healthcare and Nursing: Courses related to healthcare and nursing, especially those addressing specific needs like telemedicine, have seen increased demand.

Project Management: Project management skills are crucial in various sectors, and certifications like PMP (Project Management Professional) are highly valued.

Artificial Intelligence (AI) and Robotics: AI and robotics courses are sought after as businesses explore automation and intelligent technologies.

Blockchain Technology: With applications beyond cryptocurrencies, blockchain technology courses are gaining popularity in various sectors, including finance and supply chain.

Environmental Science and Sustainability: Courses focusing on environmental sustainability and green technologies are increasingly relevant in addressing global challenges.

Join Now

learn more -

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learnwithcadl123 · 22 days

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Marketing Certification In Zirakpur (CADL)

#Marketing Certification

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shivani223 · 4 months

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#Ahmedabad School of Digital Marketing is India’s fastest growing Institute for Digital Marketing services and Digital Marketing Consultancie #it is also present in Gandhinagar #Baroda #Surat #Rajkot. ASDM is also having its branch office in France.#Training key points #Raise your standard and double your income through digital marketing trade secrets. Learn most updated versions on SEO training #Social Media Marketing #Affiliate marketing #Lead Generation Techniques #Online Presence Analysis #PPC and other significant concepts.#Affiliations and Collaboration #ASDM brings in the most structured P.G. Diploma Program in Digital Marketing. This 6-month program will focus on Advanced Digital Marketing #Professional Website Designing and Professional Graphics Designing. ASDM is also collaborated with ETEC – European Transcontinental Establi #France and provides its certifications for our 3 months exclusive premium program in Advanced Digital Marketing. This program guarantees 10

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mdhasanmai · 5 months

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My name is Md Hasan

I am qualified professional digital marketer. SEO is a huge part of my life . I have 0 years of experience in digital marketing graphic design . I have done lot of SEO work for local Clients and International clients via and Freelancer platform .

website

Youtebe channel

facebook

#digital marketing #freelance digital marketer #digital marketer #digital marketer certification #certified digital marketer #what is a digital marketer #digital marketer job #digital marketer salary #how to become a digital marketer #what does a digital marketer do #digital marketer job description #how much does a digital marketer make

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iteyaminbd · 5 months

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