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3rseo · 3 months

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Fostering Collaboration: A Call for Ethical Link Building Among Irish SEO and Web Design

In the realm of Search Engine Optimisation (SEO), Link building has emerged as a crucial strategy to enhance the visibility and credibility of a website. It entails obtaining hyperlinks from external websites to your own, acting as endorsements in the view of search engines such as Google. The caliber and quantity of these links are significant factors in determining a site’s ranking on search engine results pages (SERPs), thereby directly influencing web traffic. For Irish SEO and web design companies, ethical link building represents a commitment to quality and sustainability, setting the stage for long-term digital success.

However, this practice must be undertaken with a sense of responsibility and adherence to ethical standards. Sharing backlinks between clients within the SEO community can be mutually beneficial, as it can amplify the reach and authority of the sites involved. Nevertheless, it carries risks that cannot be ignored.

When backlinks are not naturally relevant, or when they appear as part of a manipulative scheme, it can lead to penalties from search engines, tarnishing the reputation of the businesses and potentially leading to a loss of consumer trust. Therefore, while the collaboration offers a promising avenue for growth, it should be balanced with a discerning and principled approach to safeguard the integrity of the digital ecosystem.

The Purpose of this blog article is to highlight ethical approaches to cooperative link building

With the potential pitfalls of unethical link building in mind, the purpose of this blog is to delve into the ethical approaches to cooperative link building that can be adopted by Irish SEO and web design companies. We intend to foster a dialogue that prioritises transparency, relevance, and the creation of genuine value for the web as a whole. By exploring these methods and their implications, we aim to guide such firms towards strategies that not only elevate their position in SERPs but also contribute to the health and sustainability of the online marketplace.

Best Practices for Ethical Link Sharing

Prioritising Relevance

The cornerstone of ethical link sharing lies in the relevance of the content being linked to. Irrespective of the mutual benefits to be gained from sharing links, such practices must be informed by the content’s significance and suitability to the user’s query or interest. SEO and web design companies should advocate for link exchanges only when they are contextually relevant and offer genuine value to the user.

This approach not only aligns with the search engines’ guidelines but also ensures that the quality of the user’s online experience remains high. Relevance must always be at the forefront of any link-building strategy to maintain the integrity of both your site and that of your link partners.

Encouraging High-Quality Content Creation

A fundamental element in ethical link building is the creation of high-quality content that inherently attracts links. Compelling content naturally garners attention and facilitates the organic acquisition of backlinks from websites that recognise its value. For SEO and web design companies, encouraging clients to invest time and resources into crafting informative, insightful, and engaging content is critical. This could range from deeply researched articles and innovative infographics to comprehensive guides and thought-provoking blog posts.

It’s by becoming a credible source of information and authority in a given niche that websites can earn links based on merit rather than solicitation. Not only does this approach adhere to best practices by avoiding artificial link manipulation, but it also contributes to a healthier, more valuable web where content quality is paramount. High-quality content underpins a virtuous cycle where increased visibility leads to more organic engagement and, consequently, higher search engine rankings.

Enhancing User Experience

Enhancing user experience (UX) is a key objective for any website wishing to retain and grow its visitor base. Shared links play a significant role in this by offering users additional informative content that is seamlessly integrated into their browsing journey. When SEO and web design companies focus on providing links that are germane to the content, users are more likely to perceive those links as helpful rather than disruptive.

This elevates the user’s experience by guiding them towards content that clarifies, elaborates, or complements the subject at hand. It’s this added layer of relevance and context that enriches the user’s engagement with the site and encourages deeper exploration of the subject matter. Above all, shared links should serve to empower the user with knowledge, making their interaction with the website as fulfilling and informative as possible.

Moderation is Key

Moderation in link exchange strategies is essential to avoid triggering red flags from search engines, which have evolved to recognise and penalise excessive or inauthentic link sharing practices. Utilising this tactic sparingly ensures that the link profile of a website remains organic and does not appear artificially inflated, which can raise suspicion and attract negative attention from search engine algorithms.

Search engines are increasingly adept at discerning patterns that suggest manipulation, such as an unnatural spike in the number of backlinks. A measured approach to link exchanges, therefore, is not merely prudent but necessary for safeguarding a website’s search engine standing. SEO and web design companies must exercise caution and discretion, opting for a strategy where quality triumphs over quantity, thereby upholding the credibility and trustworthiness of the online presence they manage.

Using NoFollow Links Wisely

The use of `rel=”nofollow”` and `rel=”sponsored”` attributes in hyperlinks is a critical aspect of ethical link practices. These attributes tell search engines not to follow a particular link or that the link is part of an advertisement or sponsorship, thus not influencing the target’s ranking in the search engine’s index. This is instrumental for SEO and web design companies in clearly delineating paid or promotional content from organic content.

When links are purchased or acquired in exchange for compensation, applying a `rel=”sponsored”` attribute is both a transparent and mandatory process to comply with search engines’ guidelines. Similarly, the `rel=”nofollow”` attribute can be judiciously used for links that are not editorially given or for user-generated content, where the quality of the links cannot be guaranteed. By doing so, companies maintain the integrity of their websites and their link-building practices, ensuring they don’t inadvertently contribute to the manipulation of search engine rankings.

Transparency with Clients

Open and clear communication with clients regarding the strategy and potential risks involved in link sharing is paramount. SEO and web design companies must articulate the importance of using ethical practices and the consequences that can arise from deviations. Clients must understand both the long-term benefits of adhering to ethical guidelines, such as sustained search engine credibility, and the dangers of engaging in manipulative tactics, which could include severe penalties or a loss of ranking.

Clients should be made aware that while aggressive link-building strategies might offer short-term gains, they are likely to result in long-term repercussions that can be difficult to recover from. Through a policy of full disclosure, firms commit to a partnership built on trust and integrity, ensuring that clients are fully informed decision-makers when it comes to their link-building activities. This sets a foundation for a sustainable online presence that prioritises ethical considerations over immediate results.

Understanding the Risks of Backlink Strategies for SEO:

Google Penalties and Compliance

When it comes to link building, compliance with Google’s Webmaster Guidelines is non-negotiable. Strategies that attempt to manipulate a site’s ranking in Google search results may lead to severe penalties, including demotion or even the complete removal of a site from the search index. Google’s guidelines explicitly prohibit link schemes that can manipulate PageRank, such as buying or selling links, excessive link exchanges, or large-scale article marketing and guest posting campaigns with keyword-rich anchor text.

Adherence to these guidelines is vital for maintaining the integrity of a site’s SEO strategy. Violations can not only tarnish a website’s reputation but also lead to a sharp decline in organic traffic if penalised. It’s incumbent on SEO practitioners and web designers to remain vigilant and aware of the ever-evolving best practices, ensuring their techniques don’t inadvertently cross into the realm of penalty-inducing tactics. The goal must always be to foster a natural link profile that reflects genuine user endorsement and content merit.

Quality and Relevance Concerns

The quality and relevance of backlinks are cornerstones of a robust SEO strategy. Search engines evaluate links not just on the quantity, but primarily on the quality and contextual relationship to the content. High-quality backlinks from authoritative and thematically related sources can significantly enhance the recipient site’s credibility and search ranking. Conversely, links from unrelated or low-quality sources may not only fail to deliver a ranking benefit but could potentially harm the site’s standing in search results.

SEO and web design professionals must exercise due diligence in acquiring backlinks that are congruent with the client’s niche. The pitfalls of sharing links between unrelated clients cannot be overstated; such practices can dilute the relevance and trustworthiness of a website and may lead to suspicions of manipulative link-building tactics. Link exchanges and backlink strategies must be transparent and founded on genuine, topical alignment rather than arbitrary reciprocity. This strict adherence to relevance guards against the erosion of a site’s perceived value to both users and search engines.

The Issue of Over-Optimisation

Excessive cross-linking between sites can be perceived by search engines as an attempt at over-optimisation, a flagrant contrivance to boost search engine rankings. This technique often involves creating a plethora of links between sites that may not have direct relevance to each other, solely for the sake of forming a network that exaggerates the backlink profile’s robustness.

Search engines like Google have sophisticated algorithms designed to detect such strategies and interpret them as a manipulative ploy rather than a representation of authentic, earned references. This can lead to a search engine not only discounting the value of such links but also penalising the websites involved for engaging in practices that violate the webmaster’s guidelines. SEO professionals must navigate the fine balance between optimising a site and maintaining authentic, valuable content that organically develops its backlink portfolio.

Ethical Considerations and Collaboration

Building a community of trust among SEO professionals hinges on a steadfast commitment to ethical practices and transparency. In the fluid digital environment where strategies and tactics must respect both the users and the guidelines set by search engines, ethical SEO is not just a best practice; it’s the only sustainable approach. It’s crucial for SEO experts to collaborate, sharing insights and methodologies that align with ethical standards, thereby fostering an environment of mutual growth and respect.

This shared commitment to ethical practices not only enhances the industry’s credibility but also helps to establish a standard of excellence that benefits all stakeholders. By openly discussing techniques, their potential risks and rewards, and by collectively denouncing manipulative or deceptive practices, the SEO community builds a foundation that not only supports the individual client’s success but also preserves the integrity of the digital ecosystem. This transparency is the cornerstone of a healthy online community and creates a virtuous cycle of trust with clients, search engines, and the SEO community at large.

The Role of Quality and Relevance in Link Building

The quintessential element of a successful backlinking strategy hinges on the uncompromised quality and irrefutable relevance of the connections established. It is paramount that links are shared only between sites with clear, contextual connections that add tangible value to the user’s experience. This approach reinforces the notion that quality trumps quantity in SEO practices – a single link from a highly respected and contextually aligned domain can outweigh multiple links from unrelated or dubious sources.

Furthermore, relevance is the linchpin of value in link building. Search engines, like Google, are adept at discerning the contextual correlation between the linking and linked pages. Links that bear a direct and logical relevance to the content not only enhance the user experience but also bolster the domain’s authority and ranking. It is this meticulousness in cultivating only pertinent backlinks that can ultimately carve a pathway to sustainable search engine success and online visibility.

Advocating Organic Link Building Practices

In the realm of SEO, a premium must be placed on strategies that emulate organic link building. Authentic, earned links that arise naturally as a consequence of high-quality content and genuine user interest set the foundation for sustainable growth. These types of endorsements serve as a testament to a website’s value, relevance, and authority in its niche.

To this end, SEO experts should eschew systematic or reciprocal link exchanges that can suggest artificial networking rather than true value. Instead, focusing on creating compelling, informative, and valuable content will naturally prompt other website owners and content creators to link back as a resource for their audience. This organic growth not only meets the stringent standards of search engines but also cultivates a reputation of trustworthiness and expertise in the digital space.

The best way to achieve this organic link building practice is to consistently produce high-quality, relevant content that resonates with the target audience and compels them to share or reference it. This approach also encourages natural backlinks from authoritative sites, building a solid foundation for long-term search engine success.

Diversity and Organic Growth in Backlink Profiles

Maintaining a diverse backlink profile is essential for the health and sustainability of a website’s SEO ranking. Relying too heavily on a small network of sources for links can be a hazardous tactic as it may expose the site to changes in search engine algorithms which can penalise or diminish the impact of closely-knit backlinking patterns. A varied backlink portfolio, much like a diversified investment portfolio, is less vulnerable to shifts in search engine policies and can lend to the site’s resilience against updates that may otherwise negatively impact rankings.

Moreover, a diverse array of backlinks signals to search engines that a broad spectrum of sources finds the content valuable and relevant, which can enhance the site’s perceived authority and trustworthiness. Consequently, this broad-based recognition can aid in driving organic traffic and growing the site’s visibility naturally and robustly. It’s worth stating that while diversity is crucial, the pursuit of it should never compromise the integrity of the link’s quality and relevance, as these remain critical in the arc of SEO success.

Commitment to Ethics and Adherence to Guidelines

In an industry that evolves as rapidly as SEO, it’s imperative that practitioners commit to maintaining the highest ethical standards and strictly adhere to search engine guidelines. As gatekeepers of the web’s credibility, SEO professionals have a responsibility to ensure that their methods do not harm the user experience or undermine the very fabric of the digital space. This commitment involves a conscious effort to stay updated with the latest guidelines issued by search engines and a determination to apply only those tactics that meet ethical considerations.

The importance of adhering to search engine guidelines cannot be overstated – these rules are in place to preserve the integrity of search results and to provide users with the most valuable and relevant content. By avoiding shortcuts and focusing on long-term strategies that benefit the end-user, SEO experts can sustain not only their clients’ online presence but also the trust of the digital community. This collective dedication to ethical SEO practices ensures a level playing field and fosters a trustworthy online ecosystem for all users.

Navigating the Risks and Guidelines on Cooperative Backlinks

Cooperative backlinks, while advantageous when applied judiciously, carry inherent risks that can compromise a site’s search ranking and credibility. Google expressly categorises certain types of link exchanges as link schemes, which can negatively affect a site’s placement in search results. These schemes include excessive link trading (“Link to me and I’ll link to you”) or partner pages exclusively for cross-linking purposes, which can be interpreted as deliberate attempts to manipulate page rank.

The risks associated with participating in link schemes are significant; Google’s algorithms have become increasingly proficient at detecting artificial link patterns. When such patterns are identified, the search engine can take punitive actions ranging from reducing a site’s ranking to outright removal from search results. Therefore, SEO practitioners must navigate this landscape with caution, emphasising natural link growth over reciprocal arrangements, and always prioritising the relevance and quality of links over sheer volume.

Navigating the risks associated with cooperative backlinks requires a strategic approach that aligns with ethical standards and adheres to search engine guidelines. SEO practitioners should focus on nurturing relationships within their industry niche that encourage natural backlink building. This can be crafted through guest blogging on reputable sites, sharing expertise in forums, and producing valuable content that serves the need of the audience. Moreover, transparency with website affiliations and disclaimers where necessary are prudent in maintaining a clean backlink profile.

Regular audits of a website’s backlink profile are also essential, as they can reveal unnatural patterns or low-quality links that might raise red flags with search algorithms. In the event of identifying such risks, professionals must take corrective actions promptly, including disavowing links that cannot be removed manually.

Lastly, it is vital for SEO professionals to continuously educate themselves on the dynamic guidelines provided by search engines and to rigorously implement white-hat SEO techniques. A proactive approach to learning and adaptation is essential to skirt the dangers of penalisation while fostering an ethical and sustainable online presence.

Conclusion

In conclusion, the landscape of SEO is fraught with challenges, yet it offers a fertile ground for those willing to invest in ethical link-building practices. The core precepts highlighted in this discourse emphasise the value of producing high-quality content to naturally attract backlinks and the imperative of fostering a varied backlink portfolio, which together fortifies a website’s SEO foundation against algorithmic fluctuations. It’s equally vital to adhere strictly to search engine guidelines, prioritising the user’s experience and the integrity of the digital ecosystem.

SEO practitioners must judiciously navigate cooperative backlink strategies, averting the perils of manipulative schemes by focusing on relevance and quality of links. Regular backlink audits and adherence to white-hat SEO techniques remain indispensable tools for sustainable online growth. To distil the essence of robust SEO practices: they hinge on a commitment to ethics, a dedication to continuous learning, and an unwavering focus on the value delivered to the end-user.

Let’s keep improving Ireland’s Digital Landscape

As we look toward the green pastures of Ireland, renowned for its strong community spirit and pioneering digital footprint, Irish SEO and web design companies stand in a unique position to lead by example in ethical link sharing practices. By collaborating responsibly, these entities can harness the collective power of their heritage and innovation to build an interconnected web landscape that is both resilient and respectful of the guidelines laid down by search engines.

Ireland’s digital economy thrives when local companies support one another, fostering link-sharing partnerships that are grounded in relevance and propelled by the mutual goal of delivering genuine value to their audiences. This conscious curation of backlinks does more than enhance SEO rankings—it weaves a network of trust and integrity across the Irish web, one that can withstand the ebb and flow of algorithmic changes and set a standard for others to follow.

Embracing a long-term view, Irish SEO and web design professionals are encouraged to look beyond immediate gains and towards enduring relationships that uplift the entire digital ecosystem. The benefits of such diligence are multi-fold, spanning increased online visibility, enhanced trust with consumers, and a robust reputation that transcends digital borders. It is through these sustainable practices that Irish digital companies can champion a brighter future, underscored by the values of ethical online conduct and collective advancement.

Do you want to join the conversation?

We invite fellow companies to join the conversation and explore potential collaborations centred on ethical link building practices. Your insights and experiences are invaluable in shaping a responsible web community. If you’re interested in discussing how we can work together to enhance our collective digital footprint while upholding the principles of integrity and relevance, please reach out. Share your thoughts with us and let’s pioneer a future where ethical link sharing is the norm, not the exception. Contact us today to initiate a dialogue on fostering sustainable growth through ethical SEO strategies. Together, we can set new benchmarks for the digital industry.

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#seo #link building

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islamicrays · 3 years

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One major reason why so many households suffer is because of a one-directional expectation of respect from parents towards their children.

This mistaken belief that children MUST respect their parents 'no matter what' may sound inarguably true to most people, but if you think about it deeply it's actually quite specious.

Yes, parents are deserving of respect but they are also expected to display behavior that is worthy of respect which includes being obedient and respectful to the commands of God, possessing good character, being upright and truthful, and—gasp🤭, respecting their children!

Sadly, for some, the idea of respecting children is not only laughable but seen as somehow undermining parental authority. Due to cultural practices or differing parenting philosophies, many believe that because of their age, size, and dependence, children should just be subservient to their parents and stay quiet and indebted for whatever they receive. In other words, respect is something children should and must give willingly to their parents, but not something they are entitled to. Again, this destructive way of thinking is at the root of why so many households are dysfunctional today.

Parents who are respectful towards their children by listening to them, valuing their opinion, negotiating with them, speaking in a way that is respectful and never dismissive, apologizing when they make mistakes, explaining their decisions in a respectful way, etc., invite harmony and symbiosis into their relationships and homes. They model respectful behavior so naturally their children reciprocate in kind. By being God-fearing, truthful, and learning to regulate their emotions and words, they teach children virtuous behavior and command their respect. This in turn is reciprocated as their children show trust in their parents, and listen to their advice, opinions, perspectives, etc., without feeling the need to rebut them or disobey. It is a healthy, mutual, and beautiful exchange.

In the absence of respect from the parent to the child, young children may be too afraid to speak up or challenge their parents—which may be perceived as being respectful, but is it? Over time these children can and often do become defiant, resentful, rebellious, combative, deceptive, and disruptive in a myriad number of ways. This is often met with great resistance and anger, and the cycle of dysfunction continues.

So why is this viewpoint so common in so many of our cultures and households? Why do people still parent with these authoritarian models despite the astounding evidence against them? What will it take for us to realize that by not showing children respect but demanding it from them we are actually cultivating a culture of disrespect and contributing to a plethora of social problems that ensue?

The bottomline is that children who are not shown respect by their parents end up losing respect for them (including everything they represent and believe, btw). Such households become toxic environments for everyone. And the parents are left baffled and filled with rage and anger because despite all of their efforts and sacrifices, their children completely stray from them and rebel.

Be respectful and respectable, and show them respect because they belong to God, not you. They are His property, not yours. Honor them and they will honor you, and the chances that your relationship will thrive exponentially increase.

-Ustadha Hosai Mojaddidi

#islamic quotes #islam #muslim #quote #allah #muslimah #deen #parenting #kids

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pilted · 4 years

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unprompted. / always accepting !!

@hamartio said : "your flesh is fallible. you, as usual, have chosen the moral high ground—a pity it does not net you any true victory, jayce." metallic digits dig into jayce's jawline, droplets of blood smearing the dark steel. his grip is unyielding, unkind, but there is something possessive underneath, something still feeling underneath the monstrosity the herald has become. he hums, the sound taunting. "a pity that only stops you from reaching true progress."

THIS IS THE PRICE OF WAR. to wage war against creator is to defy metallic, unloving hand whose purpose serves for naught but its master ( forsaken friend, embers of camaraderie dying & yielding to ferocious winds of war ; here, this battlefield, fate has forced their hands in direct opposition of each other. ), seeking to subdue those that dare not bear the calamity of such lofty, atrocious ideals. perchance therein lies his first flaw, a weakness he may concede to silently, but not here, not fucking here. not when he is at the hands of the enemy, forced to endure humiliation for failing, failing title bestowed unto him. no sentimental value sought from it, but t'was all a duty that he abided by, to prevent viktor from ever becoming this, from ever harming anyone else again.

but he is the fool.

reveling in virtuous truthisms is a practical concept that may present favorable results with each step, each breath, each conversation. it's, as logic dictates, simple, humane, to mend the wrongdoings of the past, to acknowledge them & understand & grow. for years, years was he the fool to think there'd been some progress. the fault falls on him, for believing change could be found at the heart of one so void of any true emotion, the viktor of now is but a husk of the past. his goals achieved, but all at the cost of an intelligible man whose intellect rivaled his own, partners through a sense of mutual understanding, blind to time's flow & endless nuisance of chatter around, there existed none but them through each heated discussion, through each exchange of ideals, through each & every subtle action, it was not sin to fall. man must rise, man must fall, such natural cycle has been adopted for eons, for it is natural, it is natural ———————————— the monster before him is not. but a monster is not natural ; no, a monster is far more fearsome than any being nature could conjure, it is an imposing force that cannot be bound by natural law, a monster is artificial, a monster is a product of man, not unlike the one before jayce.

❛ better to be on the moral high ground. ❜ steady breath, despite battered exterior ; direct opposition, even in the hands of the enemy, hope shall not die. ( this is not viktor ), rivulets of pure crimson ran down bonny features, fresh wounds all but forgotten, a new problem to mend by own calloused hands. ( this is not viktor ) blame must fall on him, defender of tomorrow, for allowing this to happen, for granting the beast before him a rise to order. one fight has been lost, but he must not die here ; not yet, not until insatiable hands seek & find metallic digits, not until own firm grip destroys each & every one for even touching him, not until the herald is no longer an amalgam of parts to form a shadow of the true man, but to resemble the debris of mass destruction around him. there may be no end in sight, but he refuses to remain subservient to one who'd dare strip humanity of its agency. ❛ true progress can only be achieved by living, breathing beings. last i checked ... don't think you have neither of the needed qualities. something like you could never —————— will never know what true progress is. ❜

#hamartio #* IC.#* VERSE / RESISTANCE.#* ASK.#[ ummmm it's like i said. word vomit :) ]#[ GOD LFDJHLDFJH SORRY FOR HOW MESSY THIS CAME OUT NOX BUT ]#[ I HOPE YOU ENJOY IT. I GIVE YOU A HEARTY 'LALI-HO!' SENDING THIS ONE ]

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maha-noor · 3 years

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One major reason why so many households suffer is because of a one-directional expectation of respect from parents towards their children.

This mistaken belief that children MUST respect their parents 'no matter what' may sound inarguably true to most people, but if you think about it deeply it's actually quite specious.

Parents who are respectful towards their children by listening to them, valuing their opinion, negotiating with them, speaking in a way that is respectful and never dismissive, apologizing when they make mistakes, explaining their decisions in a respectful way, etc., invite harmony and symbiosis into their relationships and homes. They model respectful behavior so naturally their children reciprocate in kind. By being God-fearing, truthful, and learning to regulate their emotions and words, they teach children virtuous behavior and command their respect. This in turn is reciprocated as their children show trust in them, and listen to their advice, opinions, perspectives, etc., without feeling the need to rebut them or disobey. It is a healthy, mutual, and beautiful exchange.

0 notes

andrewdburton · 4 years

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Stocks vs. bonds: What’s the difference?

If you’re a newbie investor, you may have no idea what you’re doing when it comes to investing in the stock market. If so, don’t feel bad – you’re not alone. According to Gallup, in 2019, only a little over half of all Americans were invested in the stock market. But this is a huge mistake.

If you want to build wealth, especially long-term wealth, investing in the stock market is a necessity.

But why? Couldn’t you just invest in real estate, or precious metals like silver and gold, or even a new-fangled investment like cryptocurrency to reach your financial goals? While you could, you’d be missing out on one of the greatest (if not the best) wealth creators of all time.

If you’ve never invested in the stock market before, you probably have no idea where to start.

Maybe you don’t even know what an investment really is. One of the most common questions for newbies is, “What should I invest in?”

Two of the most common types of investments are stocks and bonds. This post will break down what stocks and bonds are, the differences between them, the benefits of holding them in a portfolio, and where you can purchase them.

But before we get into the specifics of stocks and bonds, I thought it might make sense to show why the stock market is such an amazing wealth builder.

Why Is the Stock Market Such a Good Wealth Builder?

The stock market helps people build wealth through the power of compounding. Most people, investors or not, are familiar with this term. Put simply, compounding is the growth of previous growth. When you earn $20 in a savings account, say, that $20 of earnings grows (or “compounds”) in the future. It’s a virtuous cycle!

If you haven’t seen how compounding affects wealth over the long term, you may not understand why investing in the stock market is such a necessity.

Here’s an example.

Let’s say we have two different people, savers A and B. Both are 35 years old, have $10,000 to invest, and are planning on retiring at 65 years old.

Saver A wants to invest in the stock market, so she decides to invest in a portfolio made up of stocks and bonds earning an average return of 6.8% per year.

Saver B has no interest in the stock market. In fact, he’s kind of afraid of it. As such, he decides to just park his money in a high-yield savings account earning 1.8% interest per year.

Let’s see how much of a difference this makes:

Saver A:

Saver B:

Compounding makes quite a bit of difference!

Saver A has increased her investment by more than seven times! Saver B, on the other hand, hasn’t even doubled his investment. Now imagine adding more to your pile each year and you can see how regular investing in the stock market makes a huge difference over investing in a savings account — or, even worse, not investing at all.

What Are Stocks?

Buying stock is like buying an extremely small stake of ownership in one company.

When a business issues stock publicly for the first time, they decide how many pieces of stock to issue. These are called shares. For example, a company may issue 100,000 shares for investors to purchase. Each share is considered fractional ownership in the company.

When you purchase one of these shares, you are holding a tangible piece of the company. This is commonly called equity. Because you are now a shareholder, you have benefits, such as voting rights in the company, along with a claim to that company’s earnings and assets.

However, the biggest benefit comes from seeing the value of your stock increase over time and sharing in the company’s profits.

The two main ways stocks build wealth are through capital appreciation and dividends.

Capital appreciation is when the price of a stock is worth more than when you purchased it. For example, if you purchased a share of Apple for $150 and later sold it for $300, that would be a capital appreciation of $150. This is the main way stocks help build wealth. Stocks typically average 6.8% growth per year. (But, it’s important to note, average is not normal. And some years, stocks lose money.)

Dividends are monies paid out to shareholders, often every quarter, for holding ownership in the company. (Not all companies pay dividends.) Dividends are paid per each share of stock you own. For example, if you own 100 shares of company X and their dividend per share is $.02, you’ll earn $2 in dividends. This income is a secondary way stocks help build wealth.

What Are Bonds?

Bonds, on the other hand, are securities issued by the federal government, local government, bank or other entity. Essentially, when you buy a bond, you’re lending money to the bond issuer. In exchange, the entity promises to pay you back the full amount of the loan, as well as interest while you hold it, in exchange for lending them money.

Related: 11 Things to Know about Bonds

Bonds earn money in two ways: interest and capital appreciation.

Because a bond’s purpose is to provide steady income with less volatility, interest is paid out more frequently, typically twice a year, but depending on the bond and type, can even be issued monthly. These interest rates can vary widely depending on the type of bond and when it’s issued.

Compared to stocks, the capital appreciation of a bond is much lower. While stocks on average earn 6.8% in appreciation per year, a bond may only appreciate by 2.4% per year.

How Are Stocks and Bonds Different?

While stocks and bonds are similar in many ways, there are quite a few differences between these two asset classes. The main differences between them are their purpose in your portfolio, the risk associated with each, their performance, volatility, and their liquidity.

Stocks are meant to provide the greatest amount of return for your portfolio. Because they have higher potential for loss, stocks are considered higher risk. This higher risk corresponds to greater fluctuations in price in the market, meaning they are much more volatile than bonds.

Conversely, a bond’s purpose is to provide stability and income to your portfolio. Because they have lower potential for loss compared to stocks, bonds are considered relatively low risk. This lower risk translates to more stability, meaning they are less volatile than bonds.

Stocks and bonds also vary greatly in their performance. While the stock market returns an inflation-adjusted average of about 6.8% a year, the bond market only averages a return of 2.4% a year. Having both in your portfolio allows you to get the increased exposure to potential for returns with stocks while mitigating their risk using bonds.

Stocks and bonds differ in how liquid they are as well. A stock can be sold relatively quickly — any time while the market is open. A bond can be sold in different ways, but if the bond hasn’t matured yet, you may not get back the face value of your bond.

The Benefits of Stocks and Bonds in a Portfolio

Depending on your financial goals, you may invest more heavily in either stocks or bonds. Most portfolios use a combination of the two. That’s because the way stocks and bonds perform in the market complement each other.

For example, when the stock market is doing well, bonds tend to hold steady or decrease in value. When the stock market is doing poorly, investors typically flock to bonds, causing them to rise in value.

Having a combination of stocks and bonds in your portfolio keeps your portfolio diversified and minimizes risk.

Asset Allocation

Your asset allocation is the way your portfolio is structured, and is usually discussed in terms of how much stock you have in your portfolio versus bonds. For example, if your portfolio is 80/20, that means your portfolio is made up of eighty percent stocks and twenty percent bonds.

Your asset allocation will depend on many factors, including your age, income, risk tolerance, distance from retirement, and more. If you’re just getting started in investing, you may want to opt for a 60/40 split. This is considered pretty conservative. It’s a safe starting point.

Another rule of thumb you can use to get your asset allocation is to subtract your age from 100. The result is the percentage of your portfolio you should have in stocks. For example, if you’re 30 years old, you should keep 70% of your portfolio in stocks. If you’re 70 years old, you should keep just 30% of your portfolio in stocks. While rules of thumb like this are useful starting points, you’re really best served by having a plan for your asset allocation — then sticking to it.

If you’re unsure what your asset allocation should be, you can use this asset allocation questionnaire from Vanguard to help you figure it out.

Where to Buy Stocks and Bonds?

Although stocks and bonds are different types of assets, they can typically be purchased in the same place.

You can buy stocks and bonds using a number of different services, including brokerage firms, financial advisors, and mobile apps.

Brokerage Firm

A brokerage firm — also called a broker — is a financial institution that allows you to buy and sell securities. Whether you’re investing in stocks, bonds, mutual funds, ETFs or REITs, brokerage firms are what most people use to invest.

A brokerage firm usually has additional features to help investors, such as advanced trading tools, educational materials, videos, webinars, and more.

Some of the most well-known brokerage firms include:

Vanguard

Fidelity

E*TRADE

Charles Schwab

TD Ameritrade

A brokerage firm works great if you know what you want to invest in and are comfortable managing your portfolio yourself.

Financial Advisor

A financial advisor is used as an umbrella term for anyone that helps manage your assets – but not every financial advisor is the same.

Some financial advisors can craft a plan to help you build wealth, minimize debt, save for a particular goal, and provide advice over the long term. Others may simply execute trades on your behalf.

The type of financial advisor you’ll need will largely depend on your financial goals.

Another important thing to keep in mind is that financial advisors charge a fee. This fee can range from anywhere between 0.25% to 1% of your portfolio’s value, depending on the type of advisor.

When investing, it’s important to minimize fees as they can eat up lots of your gains. Still, some people choose to use a financial advisor because they believe it gets them better returns, even after the fee. In many cases, though, it doesn’t.

Mobile apps

With the ubiquity of the cell phone, you can now purchase stocks and bonds on the go by using apps on your smartphone. Some of these apps, like Robinhood, allow you to purchase individual stocks. Others, like Stash and Acorns, invest through the purchase of mutual funds and ETFs.

Mobile apps are typically some of the easiest platforms to use for investing because they don’t charge high fees and they have low minimum balance costs.

Some of the most popular mobile apps right now are:

Robinhood

Stash

Acorns

M1 Finance

Check out our post on the best investing apps for 2020 here.

Final Thoughts

Investing in a portfolio of stocks and bonds (allocated based on your risk tolerance) is one of the best ways to build long-term wealth. It’s also one of the main tools I (and many other people) are using to become financially independent. In just three years, my investment portfolio has increased by almost 20%, earning over $5000 in market returns and almost $2000 in investment income, helping to inch me closer to my goal of early retirement by 45.

While this may not seem like a lot of money, any additional income you have in the market can help build your wealth snowball. And the sooner you start investing, the less time and money is necessary.

Whatever your financial-related goals may be, investing in stocks and bonds is one of the smartest, fastest, and easiest ways to get there.

Maybe you’ll even be able to retire early!

Plus, with today’s technology, the barrier to entry for investing is so low, it’s available to practically anyone with a cell phone. If you’re ready to take control of your financial life so you can build the life of your dreams, invest in stocks and bonds. You can do so for as little as $5 to start.

from Finance https://www.getrichslowly.org/stocks-vs-bonds/ via http://www.rssmix.com/

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marymosley · 5 years

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Union Budget 2019-20: Key Highlights

The Union Minister for Finance and Corporate Affairs Smt. Nirmala Sitharaman made her maiden Budget Speech and presented the Union Budget 2019-20 on 05th July’19 before the Parliament. The key highlights of Union Budget 2019 are as follows:

10-point Vision for the decade

Building Team India with Jan Bhagidari: Minimum Government Maximum Governance.

Achieving green Mother Earth and Blue Skies through a pollution-free India.

Making Digital India reach every sector of the economy.

Launching Gaganyan, Chandrayan, other Space and Satellite programmes.

Building physical and social infrastructure.

Water, water management, clean rivers.

Blue Economy.

Self-sufficiency and export of food-grains, pulses, oilseeds, fruits and vegetables.

Achieving a healthy society via Ayushman Bharat, well-nourished women & children, safety of citizens.

Emphasis on MSMEs, Start-ups, defence manufacturing, automobiles, electronics, fabs and batteries, and medical devices under Make in India.

Towards a 5 Trillion Dollar Economy

“People’s hearts filled with Aasha (Hope), Vishwas (Trust), Aakansha (Aspirations)”, says FM.

Indian economy to become a 3 trillion dollar economy in the current year.

Government aspires to make India a 5 trillion dollar economy.

“India Inc. are India’s job-creators and nation’s wealth-creators”, says FM.

Need for investment in:

Infrastructure.

Digital economy.

Job creation in small and medium firms.

Initiatives to be proposed for kick-starting the virtuous cycle of investments.

Common man’s life changed through MUDRA loans for ease of doing business.

Measures related to MSMEs:

Pradhan Mantri Karam Yogi Maandhan Scheme

Pension benefits to about three crore retail traders & small shopkeepers with annual turnover less than Rs. 1.5 crore.

Enrolment to be kept simple, requiring only Aadhaar, bank account and a self-declaration.

Rs. 350 crore allocated for FY 2019-20 for 2% interest subvention (on fresh or incremental loans) to all GST-registered MSMEs, under the Interest Subvention Scheme for MSMEs.

Payment platform for MSMEs to be created to enable filing of bills and payment thereof, to eliminate delays in government payments.

India’s first indigenously developed payment ecosystem for transport, based on National Common Mobility Card (NCMC) standards, launched in March 2019.

Inter-operable transport card runs on RuPay card and would allow the holders to pay for bus travel, toll taxes, parking charges, retail shopping.

Massive push given to all forms of physical connectivity through:

Pradhan Mantri Gram Sadak Yojana.

Industrial Corridors, Dedicated Freight Corridors.

Bhartamala and Sagarmala projects, Jal Marg Vikas and UDAN Schemes.

State road networks to be developed in second phase of Bharatmala project.

Navigational capacity of Ganga to be enhanced via multi modal terminals at Sahibganj and Haldia and a navigational lock at Farakka by 2019-20, under Jal Marg Vikas Project.

Four times increase in next four years estimated in the cargo volume on Ganga, leading to cheaper freight and passenger movement and reducing the import bill.

Rs. 50 lakh crore investment needed in Railway Infrastructure during 2018-2030.

Public-Private-Partnership proposed for development and completion of tracks, rolling stock manufacturing and delivery of passenger freight services.

657 kilometers of Metro Rail network has become operational across the country.

Policy interventions to be made for the development of Maintenance, Repair and Overhaul (MRO), to achieve self- reliance in aviation segment.

Regulatory roadmap for making India a hub for aircraft financing and leasing activities from Indian shores, to be laid by the Government.

Outlay of Rs. 10,000 crore for 3 years approved for Phase-II of FAME Scheme.

Upfront incentive proposed on purchase and charging infrastructure, to encourage faster adoption of Electric Vehicles.

Only advanced-battery-operated and registered e-vehicles to be incentivized under FAME Scheme.

National Highway Programme to be restructured to ensure a National Highway Grid, using a financeable model.

Power at affordable rates to states ensured under ‘One Nation, One Grid’.

Blueprints to be made available for gas grids, water grids, i-ways, and regional airports.

High Level Empowered Committee (HLEC) recommendations to be implemented:

Retirement of old & inefficient plants.

Addressing low utilization of gas plant capacity due to paucity of Natural Gas.

Cross subsidy surcharges, undesirable duties on open access sales or captive generation for industrial and other bulk power consumers to be removed under Ujjwal DISCOM Assurance Yojana (UDAY).

Package of power sector tariff and structural reforms to be announced soon.

Reform measures to be taken up to promote rental housing.

Model Tenancy Law to be finalized and circulated to the states.

Joint development and concession mechanisms to be used for public infrastructure and affordable housing on land parcels held by the Central Government and CPSEs.

Measures to enhance the sources of capital for infrastructure financing:

Credit Guarantee Enhancement Corporation to be set up in 2019-2020.

Action plan to be put in place to deepen the market for long term bonds with focus on infrastructure.

Proposed transfer/sale of investments by FIIs/FPIs (in debt securities issued by IDF-NBFCs) to any domestic investor within the specified lock-in period.

Measures to deepen bond markets:

Stock exchanges to be enabled to allow AA rated bonds as collaterals.

User-friendliness of trading platforms for corporate bonds to be reviewed.

Social stock exchange:

Electronic fund raising platform under the regulatory ambit of SEBI.

Listing social enterprises and voluntary organizations.

To raise capital as equity, debt or as units like a mutual fund.

SEBI to consider raising the threshold for minimum public shareholding in the listed companies from 25% to 35%.

Know Your Customer (KYC) norms for Foreign Portfolio Investors to be made more investor friendly.

Government to supplement efforts by RBI to get retail investors to invest in government treasury bills and securities, with further institutional development using stock exchanges.

Measures to make India a more attractive FDI destination:

FDI in sectors like aviation, media (animation, AVGC) and insurance sectors can be opened further after multi-stakeholder examination.

Insurance Intermediaries to get 100% FDI.

Local sourcing norms to be eased for FDI in Single Brand Retail sector.

Government to organize an annual Global Investors Meet in India, using National Infrastructure Investment Fund (NIIF) as an anchor to get all three sets of global players (pension, insurance and sovereign wealth funds).

Statutory limit for FPI investment in a company is proposed to be increased from 24% to sectoral foreign investment limit. Option to be given to the concerned corporate to limit it to a lower threshold.

FPIs to be permitted to subscribe to listed debt securities issued by ReITs and InvITs.

NRI-Portfolio Investment Scheme Route is proposed to be merged with the Foreign Portfolio Investment Route.

Cumulative resources garnered through new financial instruments like Infrastructure Investment Trusts (InvITs), Real Estate Investment Trusts (REITs) as well as models like Toll-Operate-Transfer (ToT) exceed Rs. 24,000 crore.

New Space India Limited (NSIL), a PSE, incorporated as a new commercial arm of Department of Space.

To tap the benefits of the Research & Development carried out by ISRO like commercialization of products like launch vehicles, transfer to technologies and marketing of space products.

Direct Taxes

Tax rate reduced to 25% for companies with annual turnover up to Rs. 400 crore

Surcharge increased on individuals having taxable income from Rs. 2 crore to Rs. 5 crore and Rs. 5 crore and above.

India’s Ease of Doing Business ranking under the category of ‘paying taxes’ jumped from 172 in 2017 to 121 in the 2019.

Direct tax revenue increased by over 78% in past 5 years to Rs. 11.37 lakh crore

Tax Simplification and Ease of living – making compliance easier by leveraging technology:

Interchangeability of PAN and Aadhaar

Those who don’t have PAN can file tax returns using Aadhaar.

Aadhaar can be used wherever PAN is required.

Pre-filling of Income-tax Returns for faster, more accurate tax returns

Pre-filled tax returns with details of several incomes and deductions to be made available.

Information to be collected from Banks, Stock exchanges, mutual funds etc.

Faceless e-assessment

Faceless e-assessment with no human interface to be launched.

To be carried out initially in cases requiring verification of certain specified transactions or discrepancies.

Affordable housing

Additional deduction up to Rs. 1.5 lakhs for interest paid on loans borrowed up to 31st March, 2020 for purchase of house valued up to Rs. 45 lakh.

Overall benefit of around Rs. 7 lakh over loan period of 15 years.

Boost to Electric Vehicles

Additional income tax deduction of Rs. 1.5 lakh on interest paid on electric vehicle loans.

Customs duty exempted on certain parts of electric vehicles.

Other Direct Tax measures

Simplification of tax laws to reduce genuine hardships of taxpayers:

Higher tax threshold for launching prosecution for non-filing of returns

Appropriate class of persons exempted from the anti-abuse provisions of Section 50CA and Section 56 of the Income Tax Act.

Relief for Start-ups

Capital gains exemptions from sale of residential house for investment in start-ups extended till FY21.

‘Angel tax’ issue resolved- start-ups and investors filing requisite declarations and providing information in their returns not to be subjected to any kind of scrutiny in respect of valuations of share premiums.

Funds raised by start-ups to not require scrutiny from Income Tax Department

E-verification mechanism for establishing identity of the investor and source of funds.

Special administrative arrangements for pending assessments and grievance redressal

No inquiry in such cases by the Assessing Officer without obtaining approval of the supervisory officer.

No scrutiny of valuation of shares issued to Category-II Alternative Investment Funds.

Relaxation of conditions for carry forward and set off of losses.

NBFCs

Interest on certain bad or doubtful debts by deposit taking as well as systemically important non-deposit taking NBFCs to be taxed in the year in which interest is actually received.

International Financial Services Centre (IFSC)

Direct tax incentives proposed for an IFSC:

100 % profit-linked deduction in any ten-year block within a fifteen-year period.

Exemption from dividend distribution tax from current and accumulated income to companies and mutual funds.

Exemptions on capital gain to Category-III Alternative Investment Funds (AIFs).

Exemption to interest payment on loan taken from non-residents.

Securities Transaction Tax (STT)

STT restricted only to the difference between settlement and strike price in case of exercise of options.

Indirect Taxes

Make In India

Basic Customs Duty increased on cashew kernels, PVC, tiles, auto parts, marble slabs, optical fibre cable, CCTV camera etc.

Exemptions from Custom Duty on certain electronic items now manufactured in India withdrawn.

End use based exemptions on palm stearin, fatty oils withdrawn.

Exemptions to various kinds of papers withdrawn.

5% Basic Custom Duty imposed on imported books.

Customs duty reduced on certain raw materials such as:

Inputs for artificial kidney and disposable sterilised dialyser and fuels for nuclear power plants etc.

Capital goods required for manufacture of specified electronic goods.

Defence

Defence equipment not manufactured in India exempted from basic customs duty

Other Indirect Tax provisions

Export duty rationalised on raw and semi-finished leather

Increase in Special Additional Excise Duty and Road and Infrastructure Cess each by Rs. 1 per litre on petrol and diesel

Custom duty on gold and other precious metals increased

Legacy Dispute Resolution Scheme for quick closure of pending litigations in Central Excise and Service tax from pre-GST regime

Grameen Bharat / Rural India

Ujjwala Yojana and Saubhagya Yojana have transformed the lives of every rural family, dramatically improving ease of their living.

Electricity and clean cooking facility to all willing rural families by 2022.

Pradhan Mantri Awas Yojana – Gramin (PMAY-G) aims to achieve “Housing for All” by 2022:

Eligible beneficiaries to be provided 1.95 crore houses with amenities like toilets, electricity and LPG connections during its second phase (2019-20 to 2021-22).

Pradhan Mantri Matsya Sampada Yojana (PMMSY)

A robust fisheries management framework through PMMSY to be established by the Department of Fisheries.

To address critical gaps in the value chain including infrastructure, modernization, traceability, production, productivity, post-harvest management, and quality control.

Pradhan Mantri Gram Sadak Yojana (PMGSY)

Target of connecting the eligible and feasible habitations advanced from 2022 to 2019 with 97% of such habitations already being provided with all weather connectivity.

30,000 kilometers of PMGSY roads have been built using Green Technology, Waste Plastic and Cold Mix Technology, thereby reducing carbon footprint.

1,25,000 kilometers of road length to be upgraded over the next five years under PMGSY III with an estimated cost of Rs. 80,250 crore.

Scheme of Fund for Upgradation and Regeneration of Traditional Industries’ (SFURTI)

Common Facility Centres (CFCs) to be setup to facilitate cluster based development for making traditional industries more productive, profitable and capable for generating sustained employment opportunities.

100 new clusters to be setup during 2019-20 with special focus on Bamboo, Honey and Khadi, enabling 50,000 artisans to join the economic value chain.

Scheme for Promotion of Innovation, Rural Industry and Entrepreneurship’ (ASPIRE) consolidated.

80 Livelihood Business Incubators (LBIs) and 20 Technology Business Incubators (TBIs) to be setup in 2019-20.

75,000 entrepreneurs to be skilled in agro-rural industry sectors.

Private entrepreneurships to be supported in driving value-addition to farmers’ produce from the field and for those from allied activities.

Dairying through cooperatives to be encouraged by creating infrastructure for cattle feed manufacturing, milk procurement, processing & marketing.

10,000 new Farmer Producer Organizations to be formed, to ensure economies of scale for farmers.

Government to work with State Governments to allow farmers to benefit from e-NAM.

Zero Budget Farming in which few states’ farmers are already being trained to be replicated in other states.

India’s water security

New Jal Shakti Mantralaya to look at the management of our water resources and water supply in an integrated and holistic manner

Jal Jeevan Mission to achieve Har Ghar Jal (piped water supply) to all rural households by 2024

To focus on integrated demand and supply side management of water at the local level.

Convergence with other Central and State Government Schemes to achieve its objectives.

1592 critical and over exploited Blocks spread across 256 District being identified for the Jal Shakti Abhiyan.

Compensatory Afforestation Fund Management and Planning Authority (CAMPA) fund can be used for this purpose.

Swachh Bharat Abhiyan

9.6 crore toilets constructed since Oct 2, 2014.

More than 5.6 lakh villages have become Open Defecation Free (ODF).

Swachh Bharat Mission to be expanded to undertake sustainable solid waste management in every village.

Pradhan Mantri Gramin Digital Saksharta Abhiyan,

Over two crore rural Indians made digitally literate.

Internet connectivity in local bodies in every Panchayat under Bharat-Net to bridge rural-urban divide.

Universal Obligation Fund under a PPP arrangement to be utilized for speeding up Bharat-Net.

Shahree Bharat/Urban India

Pradhan Mantri Awas Yojana – Urban (PMAY-Urban)-

Over 81 lakh houses with an investment of about Rs. 4.83 lakh crore sanctioned of which construction started in about 47 lakh houses.

Over 26 lakh houses completed of which nearly 24 lakh houses delivered to the beneficiaries.

Over 13 lakh houses so far constructed using new technologies.

More than 95% of cities also declared Open Defecation Free (ODF).

Almost 1 crore citizens have downloaded Swachhata App.

Target of achieving Gandhiji’s resolve of Swachh Bharat to make India ODF by 2nd October 2019.

To mark this occasion, the Rashtriya Swachhta Kendra to be inaugurated at Gandhi Darshan, Rajghat on 2nd October, 2019.

Gandhipedia being developed by National Council for Science Museums to sensitize youth and society about positive Gandhian values.

Railways to be encouraged to invest more in suburban railways through SPV structures like Rapid Regional Transport System (RRTS) proposed on the Delhi-Meerut route.

Proposal to enhance the metro-railway initiatives by:

Encouraging more PPP initiatives.

Ensuring completion of sanctioned works.

Supporting transit oriented development (TOD) to ensure commercial activity around transit hubs.

Youth

New National Education Policy to be brought which proposes

Major changes in both school and higher education

Better Governance systems

Greater focus on research and innovation.

National Research Foundation (NRF) proposed

To fund, coordinate and promote research in the country.

To assimilate independent research grants given by various Ministries.

To strengthen overall research eco-system in the country

This would be adequately supplemented with additional funds.

Rs. 400 crore provided for “World Class Institutions”, for FY 2019-20, more than three times the revised estimates for the previous year.

‘Study in India’ proposed to bring foreign students to study in Indian higher educational institutions.

Regulatory systems of higher education to be reformed comprehensively:

To promote greater autonomy.

To focus on better academic outcomes.

Draft legislation to set up Higher Education Commission of India (HECI), to be presented.

Khelo India Scheme to be expanded with all necessary financial support.

National Sports Education Board for development of sportspersons to be set up under Khelo India, to popularize sports at all levels

To prepare youth for overseas jobs, focus to be increased on globally valued skill-sets including language training, AI, IoT, Big Data, 3D Printing, Virtual Reality and Robotics.

Set of four labour codes proposed, to streamline multiple labour laws to standardize and streamline registration and filing of returns.

A television program proposed exclusively for and by start-ups, within the DD bouquet of channels.

Stand-Up India Scheme to be continued for the period of 2020-25. The Banks to provide financial assistance for demand based businesses.

Ease of Living

About 30 lakh workers joined the Pradhan Mantri Shram Yogi Maandhan Scheme that provides Rs. 3,000 per month as pension on attaining the age of 60 to workers in unorganized and informal sectors.

Approximately 35 crore LED bulbs distributed under UJALA Yojana leading to cost saving of Rs. 18,341 crore annually.

Solar stoves and battery chargers to be promoted using the approach of LED bulbs mission.

A massive program of railway station modernization to be launched.

Naari Tu Narayani/Women

Approach shift from women-centric-policy making to women-led initiatives and movements.

A Committee proposed with Government and private stakeholders for moving forward on Gender budgeting.

SHG:

Women SHG interest subvention program proposed to be expanded to all districts.

Overdraft of Rs. 5,000 to be allowed for every verified women SHG member having a Jan Dhan Bank Account.

One woman per SHG to be eligible for a loan up to Rs. 1 lakh under MUDRA Scheme.

India’s Soft Power

Proposal to consider issuing Aadhaar Card for NRIs with Indian Passports on their arrival without waiting for 180 days.

Mission to integrate traditional artisans with global markets proposed, with necessary patents and geographical indicators.

18 new Indian diplomatic Missions in Africa approved in March, 2018, out of which 5 already opened. Another 4 new Embassies intended in 2019-20.

Revamp of Indian Development Assistance Scheme (IDEAS) proposed.

17 iconic Tourism Sites being developed into model world class tourist destinations.

Present digital repository aimed at preserving rich tribal cultural heritage, to be strengthened.

Banking and Financial Sector

NPAs of commercial banks reduced by over Rs. 1 lakh crore over the last year.

Record recovery of over Rs. 4 lakh crore effected over the last four years.

Provision coverage ratio at its highest in seven years.

Domestic credit growth increased to 13.8%.

Measures related to PSBs:

Rs. 70,000 crore proposed to be provided to PSBs to boost credit.

PSBs to leverage technology, offering online personal loans and doorstep banking, and enabling customers of one PSBs to access services across all PSBs.

Steps to be initiated to empower accountholders to have control over deposit of cash by others in their accounts.

Reforms to be undertaken to strengthen governance in PSBs.

Measures related to NBFCs:

Proposals for strengthening the regulatory authority of RBI over NBFCs to be placed in the Finance Bill.

Requirement of creating a Debenture Redemption Reserve will be done away with to allow NBFCs to raise funds in public issues.

Steps to allow all NBFCs to directly participate on the TReDS platform.

Return of regulatory authority from NHB to RBI proposed, over the housing finance sector.

Rs. 100 lakh crore investment in infrastructure intended over the next five years. Committee proposed to recommend the structure and required flow of funds through development finance institutions.

Steps to be taken to separate the NPS Trust from PFRDA.

Reduction in Net Owned Fund requirement from Rs. 5,000 crore to Rs. 1,000 crore proposed:

To facilitate on-shoring of international insurance transactions.

To enable opening of branches by foreign reinsurers in the International Financial Services Centre.

Measures related to CPSEs:

Target of Rs. 1, 05,000 crore of disinvestment receipts set for the FY 2019-20.

Government to reinitiate the process of strategic disinvestment of Air India, and to offer more CPSEs for strategic participation by the private sector.

Government to undertake strategic sale of PSUs and continue to consolidate PSUs in the non-financial space.

Government to consider going to an appropriate level below 51% in PSUs where the government control is still to be retained, on case to case basis.

Present policy of retaining 51% Government stake to be modified to retaining 51% stake inclusive of the stake of Government controlled institutions.

Retail participation in CPSEs to be encouraged.

To provide additional investment space:

Government to realign its holding in CPSEs

Banks to permit greater availability of its shares and to improve depth of its market.

Government to offer an investment option in ETFs on the lines of Equity Linked Savings Scheme (ELSS).

Government to meet public shareholding norms of 25% for all listed PSUs and raise the foreign shareholding limits to maximum permissible sector limits for all PSU companies which are part of Emerging Market Index.

Government to raise a part of its gross borrowing program in external markets in external currencies. This will also have beneficial impact on demand situation for the government securities in domestic market.

New series of coins of One Rupee, Two Rupees, Five Rupees, Ten Rupees and Twenty Rupees, easily identifiable to the visually impaired to be made available for public use shortly.

Digital Payments

TDS of 2% on cash withdrawal exceeding Rs. 1 crore in a year from a bank account

Business establishments with annual turnover more than Rs. 50 crore shall offer low cost digital modes of payment to their customers and no charges or Merchant Discount Rate shall be imposed on customers as well as merchants.

Mega Investment in Sunrise and Advanced Technology Areas

Scheme to invite global companies to set up mega-manufacturing plants in areas such as Semi-conductor Fabrication (FAB), Solar Photo Voltaic cells, Lithium storage batteries, Computer Servers, Laptops, etc

Investment linked income tax exemptions to be provided along with indirect tax benefits.

Achievements during 2014-19

1 trillion dollar added to Indian economy over last 5 years (compared to over 55 years taken to reach the first trillion dollar).

India is now the 6th largest economy in the world, compared to 11th largest five years ago.

Indian economy is globally the 3rd largest in Purchasing Power Parity (PPP) terms.

Strident commitment to fiscal discipline and a rejuvenated Centre-State dynamic provided during 2014-19.

Structural reforms in indirect taxation, bankruptcy and real estate carried out.

Average amount spent on food security per year almost doubled during 2014-19 compared to 2009-14.

Patents issued more than trebled in 2017-18 as against the number in 2014.

Ball set rolling for a New India, planned and assisted by the NITI Aayog.

Roadmap for future

Simplification of procedures.

Incentivizing performance.

Red-tape reduction.

Making the best use of technology.

Accelerating mega programmes and services initiated and delivered so far.

The post Union Budget 2019-20: Key Highlights appeared first on Legal Desire.

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superfashionworldme-blog · 5 years

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“CWMALLS Event Marketing” — Spread More Surprises And Values to Everyone

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Provided by SVE NEWS

“CWMALLS Event Marketing” is the cross propagation of current hot news and hot character topics through targeted plan and organization of CWMALLS promotion team and product team according to the functions and characteristics of products to look forward to attracting the interests and attentions of online media, news media, social organization and consumers and then to enhance the popularity and brand image of CWMALLS® series products! Finally to increase exposure rate and conversion rate, and benefit more consumers! Thus, with the standardized supervision, management and operation of “CWSVE”, CWMALLS Global Patent Review Committee, CWMALLS Global Networked Lab, CWMALLS Global Networked Factory stick out and show the brand-new definition and unique function of digenic brand; for example, CWMALLS® Multifunctional 2 in 1 Jackets & Coats Series, its unique functions and characteristics (constant temperature, constant humidity, explosion-proof, breathable, warm, skin-friendly, light and soft, ultraviolet-proof, environment-friendly, blood circulation promotion, etc.), how to convey them to consumers and draw people’s attention via Event Marketing? Through hot news, blog, Forum, Q&A, Video, word of mouth, Party or Show, crowdfunding and more forms, CWMALLS promotion team and management team launched a carpet-style bombing propaganda to make it become an event tornado, and at the same time, using social platform to conduct review-style interactive communication to form sensory and visual impression experience of integration of people and things! Especially the concept of original ecology and green environmental protection, patented and Networked digenic structure also make CWMALLS® series products become the core highlight of Event Marketing! Its difference is just your difference!

“CWMALLS Event Marketing” is a part of CWMALLS precise promotion, it bears the key mission which rapidly improves the cognition, popularity and reputation of CWMALLS®; similarly, as a core bridge for consumers, it must be integrated with news effects, advertising effects, public relations, image communication, and customer relationships, create a precise opportunity for marketing and brand display of CWMALLS COMMODITY’s patented products, technological and innovative products, network products and build the identification and positioning of the brand to instantly attracts the attention and interest of the targeted consumer groups, and achieves a certain transformation! For example, product of CWMALLS® Multifunctional 2 in 1 Sheepskin Coat, it is a scientific and technological product launched by businessmen who go on business trip frequently around the world and middle-aged and old friends. Due to the particularity of its targeted consumer group, how to use Event Marketing to activate the commonality between the psychological needs and physiological needs of business people and middle-aged and old friends? Through spread of online networked news event and interaction with offline celebrity endorsement, the people of CWMALLS North American Operating Center, CWMALLS European Operating Center, CWMALLS Asia Pacific Operating Center jointly create a sense of mutual vision and resonance to form an effective transformation including the method of individual consumption and group consumption, making more people know CWMALLS, appreciating and experiencing the high quality products and featured services! This is a unique skill of CWMALLS people in the complex and changeable international market; via keen business sense, flexible and changeable promotion methods, bold and subtle implementation of standards, it makes cross-border event marketing, precise professional services to make the relationship between products and consumers seamless! This is the essence of CWMALLS event marketing! As a consumer of God, we hope CWMALLS Event Marketing can bring you more surprises and value!

Provided by SVE NEWS

Note: With the approaching of Christmas Day, CWMALLS, CWMALLS COMMODITY officially launch “Custom Gifts” service and welcome everyone to custom warmness for your family members, friends; meanwhile, for the products of CWMALLS® Sheepskin Bomber Jackets, CWMALLS® Multifunctional 2 in 1 Leather Jackets, CWMALLS® Fur Coats & Jackets series, etc., CWMALLS, CWMALLS COMMODITY provide free custom made, personal tailor, global free shipping, global off-site delivery, no-reason return or exchange, lifelong free maintenance and other services, welcome worldwide old and new clients, customers to experience them actively! Thank you! In 2018 innovation comes first, in 2018 we cooperate and share, in 2018 we transform perfectly! (In 2020, we will see you in Nasdaq.)

“Cutting-edge School” “Innovative School” “Powerful School” — CWMALLS, SVE NEWS, MWE FUND “CWMALLS Event Marketing” — Spread extraordinary surprises and values!

CWMALLS Dream: Four Basis(Information Flow, Talent Flow, Goods Flow and Capital Flow), Three Centers(North America Center, Europe Center, Asia Pacific Center), Two Funds(Maintain World Fund, Maintain Earth Fund), and One College(CWMALLS College with two courses History and Philosophy) CWMALLS COMMODITY Dream: To offer pure natural, ecological “green products”, “environment-friendly commodities” continuously to consumers around the world; meanwhile, to transform more ideas, works and patents to products and commodities to form a virtuous cycle of ecological chain and value chain. CWMALLS Mission:To create the global standardized value ecosystem! CWMALLS COMMODITY Mission: Integrating the world’s high quality featured new products for you to share and benefit everyone! MWE FUND: Maintain the world’s peace and stability, maintain the earth’s balance and development.

2018 CWMALLS: Standard, Value, Ecology; 2018 CWMALLS COMMODITY: Technology, Art, Patent; 2018 MWE FUND: Charity, Public Welfare, Responsibility; Eco-friendly intelligent wearing, Low-carbon and environment friendly life, both are in CWMALLS global networking and mobilization.

WWW.CWMALLS.COM CWMALLS COMMODITY December 10, 2018

Tips: According to the prediction of CWMALLS Weather, 2018 winter of Northern Hemisphere (especially in European region and North American region) will be much colder than previous years, hope everyone (especially the middle-aged and elderly people with diseases like cardiovascular disease, arthritis, scapulohumeral periarthritis, etc., and friends who live in cold areas, high altitude areas and extremely cold areas) to prepare for keeping out the cold! Scientific and reasonable prevention makes life become easier and more wonderful! Thanks! —— CWMALLS® Patented Multifunctional Jacket & Coat

#CWMALLS Event Marketing

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superfashionworldme-blog · 6 years

Text

“CWMALLS Dual Brand Strategy” — Let You Experience More Surprises And Value

CWMALLS® is the world's first online patented brand: technological, artistic, intelligent, ecological... “Patented Product”, "Custom Made", “Green Product”, are all in CWMALLS® Leather Jackets, Shoes, Bags series! CWMALLS, CWMALLS COMMODITY are the pioneers and creators of the whole industry chain standardized value ecosystem. Warmly celebrate CWMALLS, CWMALLS COMMODITY 2018 Innovative Service, Global Sharing Series — “CWMALLS Dual Brand Strategy” officially starts roundly; this is a super feast of platform brand “WWW.CWMALLS.COM” and product brand “CWMALLS®”, also the carnival of “patent, networking, platformization, globalization”; the collaboration of CWMALLS North American Operating Center, CWMALLS European Operating Center, CWMALLS Asia Pacific Operating Center and the joint supervision of CWMALLS Global Networked Lab, CWMALLS Global Patent Review Committee, CWMALLS Global Networked Factory convoy the perfect transformation of “CWMALLS Dual Brand Strategy”! The safe, convenient, visual networked platforms (PC terminal, mobile terminal, Pad terminal, APP, etc.) and unique brand products (which are multifunctional, patented, customized, exclusive, etc.) play hymns of 2018 fall/winter for you, him, her together! Similarly, “CWSVE”, “CAS”, “SBUS”, “CWPP”, “SVE NEWS”, “MWE FUND” inject brand-new power to the world-class cooperation, sharing, experience and upgrade of “CWMALLS Dual Brand Strategy”, and forge ahead for realizing the networking of global economy and global market as well as the ecological integration of man and thing! Welcome worldwide online shopping lovers, fans, old and new clients, customers to concern and experience the surprises and value brought by “CWMALLS Dual Brand Strategy” actively! Thanks!

Provided by SVE NEWS

“WWW.CWMALLS.COM” platform brand part: it takes technology as the center, takes safety as the standard, takes experience as the uniqueness, and it is based on the sustainable development consisting of convenience, freedom, value and service! It takes Internet, Internet of Things, big data, blockchain, cloud computing as the working principles, depends on Android, IOS and Microsoft operating systems, and upgrades itself ecologically through internal and external SEO optimization; meanwhile, it makes “WWW.CWMALLS.COM” platform brand get full exposure via Keyword, Blog, Forum, News, Video, Facebook, Twitter, Instagram, Google Shopping, Bing Shopping, Email Marketing, Event Marketing, Celebrity Endorsement and other social, media promotion! Especially the shopping experiences like “return or exchange service”, “logistics service”, “payment service”, “online LiveChat service”, “after-sales service”, “one-to-one VIP service”, etc. make extraordinary become the core competitiveness of platform brand! Diversified MALLS concept and cross-border sharing and mixture make “WWW.CWMALLS.COM” become the central weathervane (Jackets.cwmalls.com, Shoes.cwmalls.com, Bags.cwmalls.com, M.cwmalls.com, Jokes.cwmalls.com, Beauty.cwmalls.com, Movies.cwmalls.com, Music.cwmalls.com, Games.cwmalls.com and other super site groups); similarly, the guarantees of certification bodies, insurance companies and industry associations also make your networked sharing and shopping life become a new normality! Therefore, CWMALLS technology team and operation team are carrying out globalized safety guarantee and innovative upgrade services moment by moment to truly set up a new standard for the platform brand “WWW.CWMALLS.COM”! Welcome everyone to appreciate and experience! Excellence is here, where are you?

“CWMALLS®” product brand part: the product standard taking sense of science and technology, artistry, patent as cores is also the witness of digenic brand; it combines world-class fashion elements, art elements, technology elements and patent elements, and takes pure natural, original ecological, green, environmentally friendly as core materials to carry out creation, design, manufacture, promotion, management and service, making distinctive products of “CWMALLS®” series truly become the endorsement of surprise and value! For example, “CWMALLS® 2 in 1 Multifunctional Leather Jacket & Coat” series, “CWMALLS® Patented Shearling Coats” series(ANNEX: Community design N° 004038164-0001, 004038164-0002, 004038164-0003, 004038164-0004, 004038164-0005) not only have unique functions and characteristics (constant temperature, constant humidity, explosion-proof, ultraviolet-proof, light and soft, skin-friendly, easy-care, promoting blood circulation, etc.), but also are provided with supreme service experiences (global free shipping, off-site delivery service, no-reason return or exchange, free lifelong maintenance, 48-hour delivery service, custom made, personal tailor, group consumption, wholesale, distribution, agency, ODM&OEM, etc.), especially for the middle-aged and elderly friends, we have also launched a series of special offers to make this digenic new species truly become the only choice for 2018 fall/winter! Besides, the manufacture standard taking “MADE IN CWMALLS” as the core makes materials and craftsmanship from country of origin get unprecedented “rebirth”; for instance, materials from Spain, Canada, Denmark, Turkey will become a standard, valuable, ecological brand with global elements finally after the networked design from Italy, France, China, the United States, and the combined manufacture of nano technology, laser technology, 3D technology and traditional artisan craftsmanship! Thus CWMALLS design team, product team carry out cooperation of horizontal integration and vertical excavation with worldwide design lovers, studios, patent agencies and scientific research institutions to inject entelechy and vigor to products of “CWMALLS®” series continuously, these are the reasons why we recommend! When you shop and experience, please recognize the products with “CWMALLS®” brand! Thank you!

CWMALLS, CWMALLS COMMODITY 2018 Innovative Service, Global Sharing Series — “CWMALLS Dual Brand Strategy” officially kicks off, no matter when and where you are, as long as there is network and logistics, you can enjoy the surprises and value brought by “WWW.CWMALLS.COM” platform and “CWMALLS®” products! Meanwhile, welcome enthusiastic and professional people from all walks of life to give valuable opinions and suggestions to our dual brand strategy so that we can improve it better! Thank you! CWMALLS, CWMALLS COMMODITY, MWE FUND will be more wonderful with everyone’s support and concern!

Provided by SVE NEWS

Tips: 2018 winter of Northern Hemisphere (especially in European region and North American region) will be much colder than previous years, hope everyone (especially the middle-aged and elderly people with diseases like cardiovascular disease, arthritis, scapulohumeral periarthritis, etc., and friends who live in cold areas, high altitude areas and extremely cold areas) to prepare for keeping out the cold! Scientific and reasonable prevention makes life become easier and more wonderful!

Note: Recently “Sino-US trade war” surged again, CWMALLS, CWMALLS COMMODITY are paying close attention to it, we hope to create a fair, free, mutually beneficial global trade environment, at present prices of our products remain the same for the moment, if there are any changes, we will make further notice, please pay close attention; meanwhile, the “loving special offer” activity to worldwide middle-aged and senior friends will not be influenced, that is, 10% discount for people aged 50 to 60, 20% for people aged 60 to 70, 30% discount for people aged 70 to 80, and so on for such products. Also countries and regions of people are not limited. As long as you meet the conditions, you can enjoy the worthy services and experience! If interested, welcome to experience actively! Thank you! In 2018 innovation comes first, in 2018 we cooperate and share, in 2018 we transform perfectly! (In 2020, we will see you in Nasdaq.)

“Cutting-edge School” “Innovative School” “Powerful School” — CWMALLS, SVE NEWS, MWE FUND “CWMALLS Dual Brand Strategy” — brings you super services and experience from the inside out!

WWW.CWMALLS.COM CWMALLS COMMODITY Sep. 20, 2018

#CWMALLS Dual Brand Strategy

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superfashionworldme-blog · 6 years

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“CWMALLS Original Design Club”- The Home of Original Design Enthusiasts

Warmly celebrate CWMALLS, CWMALLS COMMODITY 2018 Win-Win Cooperation, Global Sharing Series — “CWMALLS Original Design Club” officially being established; this is the start to condense the dream, and the station to share each other, the stage to challenge ourselves and the future, and the platform to release and bloom the passion, this is… In the basic framework of profession, concentration, innovation, alliance, interaction and sharing, “CWMALLS Original Design Club” will create a warm home for worldwide original design lovers; this is a brand-new start, and also a unique stage, the mission of our “CWMALLS Original Design Club” is to make originality become crazier, make design become more fantastic, and make sharing become more fluent; this is not a dream, this is the new definition of CWMALLS, CWMALLS COMMODITY’s win-win cooperation and global sharing in 2018; welcome worldwide original design lovers from all walks of life to actively participate in and pay great attention to it! It will be more wonderful with action!

Provided by SVE NEWS

The official establishment of “CWMALLS Original Design Club” has received great support and assistance of global cooperative partners, suppliers, distributors, and people from all walks of life in addition to the joint building of CWMALLS Global Patent Review Committee, CWMALLS Global Networked Lab and CWMALLS Global Networked Factory; especially the selfless dedication of CWMALLS’s faithful FANS, some old and new customers, which makes us formally enter the “fast traffic lane” for rapid development; meanwhile, original design lovers from the Europe, and innovative design lovers from the North America, they add infinite vitality and energy to our club; this is a club that we share information together, cooperate for mutual benefits, help and love each other, create miracles, dig values, and this is club with a dream ticket, and it will make originality bloom, make works bear fruits, make products become cash, and make commodities become values and circularly share; therefore, CWMALLS people, CWMALLS team and CWMALLS Complex carry out global publicity and invitation via numerous channels such as NEWS, Blogs, Forums, Facebook, Google+, Twitter, YouTube, Instagram and so on, to let every originator or innovator with dream and originality to join the big family of “CWMALLS Original Design Club”, and let’s heart to heart, hand in hand make dram and originality burst out elegant demeanor and create great values together! This is not a dream, this is the first step to realize the dream! CWMALLS, CWMALLS COMMODITY sincerely invite your active attention and participation, CWMALLS will be more wonderful with your support!

Provided by SVE NEWS

Tips: 2018 winter of Northern Hemisphere (especially in North American region and European region) will be much colder than previous years, hope everyone (especially the middle-aged and elderly people with diseases like cardiovascular disease, arthritis, scapulohumeral periarthritis, etc. living in cold areas, high altitude areas and extremely cold areas) to prepare for keeping out the cold! Scientific and reasonable prevention makes life become easier and more wonderful!

Note: Recently, CWMALLS, CWMALLS COMMODITY have launched a series of love activities for the middle-aged and senior people in the United States to celebrate U.S. Senior Citizens Day, especially for “CWMALLS® Multifunctional 2 in 1 Shearling Coat&Jacket” series, they are provided with 10% discount for people aged 50 to 60, 20% for people aged 60 to 70, 30% discount for people aged 70 to 80, and so on. As long as you meet the conditions, you can enjoy the worthy services and experience! If interested, welcome to participate in it actively! Meanwhile, we also provide free custom made, personal tailor services, global free shipping, global off-site delivery, no-reason return and exchange, free lifetime maintenance and other services, welcome worldwide old and new clients, consumers to experience them actively! If you have any questions, opinions or advice, please contact our online customer service at any time, we will give you a satisfying reply in first time! Thank you! In 2018 innovation comes first, in 2018 we cooperate and share, in 2018 we transform perfectly! (In 2020, we will see you in Nasdaq.)

“Cutting-edge School” “Innovative School” “Powerful School” — CWMALLS, CWMALLS COMMODITY, MWE FUND “CWMALLS Original Design Club” — makes original and patented design become the theme of fashion!

CWMALLS COMMODITY WWW.CWMALLS.COM August 23, 2018

#CWMALLS Original Design Club

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superfashionworldme-blog · 6 years

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“CWMALLS Future Ecological Center”— Sharing New Life Together

Warmly celebrate the second “CWMALLS Future Ecological Center” in the world of CWMALLS, CWMALLS COMMODITY, MWE FUND officially starts preparing to build in North America; this is the common new chapter of the standard, valuable, ecological CWMALLS and the technological, artistic, intelligent CWMALLS COMMODITY, and also the big stage of globalized, patented, networked sharing, experience and interaction; its special mission defines the future directions, its unique idea inspires everyone’s potential, what it concentrates is essence, what it presents is ecology, what it dominates is innovation, what it represents is future; this is the meaning and value of “CWMALLS Future Ecological Center”! The distinctive internet gene and remarkable sensory experience contribute more to the sustainable development of human society and the balance, stability of natural world! Welcome friends and partners in Asia Pacific region, North American region, European region to pay attention, participate and experience actively! Dream is here, excellence is here, where are you?

Provided by SVE NEWS

“CWMALLS Future Ecological Center” is a symphony of science and technology, art and intelligence, and also the incubator of standard, value and ecology; you can share and experience the special functions and characteristics of the patented products, network products, technological innovative products (Leather Jacket series, Multifunctional 2 in 1 Shearling Coat series, Sheepskin Jacket series, Fur Coat series, Leather Down Coat series, Dress Shoes series, Leather Backpack series, etc.) at zero distance, face to face (especially the functions, characteristics of Multifunctional 2 in 1 Jacket&Coat, constant temperature, constant humidity, explosion-proof, windproof, rainproof, breathable, light and soft, warm, ultraviolet-proof, easy-care, promoting blood circulation, etc.), and bring up different ideas and advice to interact and exchange with each other according to the actual situation; meanwhile, we use intelligentized tools like VR, cloud computing, big data, 3D, etc. to DIY design and mix freely; you can take part in the R&D and design of the pure natural, original ecological, green and environment-friendly craftsmanship and materials as economics can’t leave ecology; you can take part in the regular meetings and sharing sessions of opinion leaders, fashion icons, web celebrities, celebrities, singers, film stars and specialists; or join in interest groups and creative groups to inspire your potential and realize value; or apply to join in numerous projects like CWMALLS Network Spokesman Project; this is the heaven of network resident, free, equal and democratic; this is the stage of global citizen, open, cooperative and win-win; this is the model of networked sharing economy, the endorsement of globalized standard value, the center of patented products, commodities and the reflection of the ecological chain taking people and thing as one; this is the basic definition of CWMALLS Future Ecological Center! Whether for the interaction effect like quantum entanglement, or the change like gene mutation, CWMALLS people can use “Reality Distortion Field” to deal with all difficulties and challenges! Therefore, we are carrying out large-scale originality collection activity and contract signing activity around the world to push the successful operation of the whole program; this is the best witness of global integration, and also the innovation achievements of network ecology, CWMALLS Future Ecological Center taking “public sharing” as the denominator will bring more surprise and value to you! This is the stage of dream, the platform of entrepreneurship, the prize desk of patent, the…

“CWMALLS Future Ecological Center” stands for the attitude toward future, it is also the perfect witness of ecological integration of people and thing; it is the classic example of CWMALLS, CWMALLS people being perpendicular and horizontal, also the future trend of CWMALLS COMMODITY, CWMALLS team surviving of the fittest; it takes Internet, Internet of Things, cloud computing, blockchain, and artificial intelligence as technology platforms, takes transparency, efficiency, intuition, accuracy as sharing standards, takes innovative products, original works, patented technologies as the cores of product, and takes liberalism, humanism and perfectionism as service concepts; it shoulders the past, now and future of “CWMALLS®” and “CWMALLS COMMODITYTM”, it leads the green, environmental, sustainable ecological development ideas! “CWMALLS Future Ecological Center” will take “new species”, “new experience”, “new kinetic energy”, “new dream” as the core, sharing goals, we look forward to carrying out cooperation, exchange and mutual help with worldwide friends and partners with dream and passion! Let’s make the world become more beautiful due to our existence heart to heart, hand in hand! Thank you!

Note: Today, CWMALLS (CHINA) COMMODITY LIMITED donated 30 dollars respectively to World Wildlife Fund, The International Committee of the Red Cross and Greenpeace via PayPal to encourage them to contribute more to the sustainable and stable development of human society and natural society as usual! Meanwhile, during the period of 2018 FIFA World Cup Russia, welcome worldwide old and new clients, customers to actively experience the featured services provided by CWMALLS, CWMALLS COMMODITY, such as free custom made, personal tailor services, global free shipping, global off-site delivery, global 48-hour delivery, no-reason return or exchange, lifelong free maintenance, etc., which will adds color to your world cup journey! If you have any questions, opinions and advice, you can contact us online at any time, our professional customer service will give you a satisfying reply at the earliest time! Thank you! In 2018 innovation comes first, in 2018 we cooperate and share, in 2018 we transform perfectly! (In 2020, we will see you in Nasdaq.)

“Cutting-edge School” “Innovative School” “Powerful School” — CWMALLS, CWMALLS COMMODITY, MWE FUND “CWMALLS Future Ecological Center” — invites you to share a new life together!

2018 CWMALLS: Standard, Value, Ecology; 2018 CWMALLS COMMODITY: Technology, Art, Intelligence; 2018 MWE FUND: Charity, Public Welfare, Responsibility; Eco-friendly intelligent wearing, Low-carbon and environment friendly life, both are in CWMALLS global networking and mobilization.

WWW.CWMALLS.COM CWMALLS COMMODITY July 8, 2018

#CWMALLS Future Ecological Center

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superfashionworldme-blog · 7 years

Text

The Little Ice Age— Gelidity is No Longer Cold, and Warmth is at CWMALLS [CWMALLS commodity blog]

CWMALLS® is the world's first online casual luxury brand: personalized, free, beautiful, valuable... "Custom Made", “Patented Product”, “Green Product”, are all in CWMALLS® Leather Jackets, Shoes, Bags series! CWMALLS, CWMALLS COMMODITY are the pioneers and creators of the whole industry chain standardized value ecosystem. Recently, the Secretary-General of the World Meteorological Organization (WMO), Petteri Taalas, has released the provisional climate statement “The years 2013 to 2017 are likely to be the hottest five-year period on record”, which led to our resonance and discussion in the world; therefore, CWMALLS, CWMALLS COMMODITY, MWE FUND want to discuss deeply about related climate issues with everyone with attitudes of responsibility and science! All the opinions and conclusions only represent personal opinions, please note! Meanwhile, welcome everyone to interact and exchange actively about the shortcomings, let’s make due contributions to the sustainable development of human society and nature! “The Little Ice Age” is a “hypothetical” problem brought up by us in 2012, and of course it is closely related to our products; green, environmental protection, low carbon and sustainability are what we always pursue, and we have carried out a series of innovation, research, promotion activities accordingly, “Gelidity is no longer cold, and warmth is at CWMALLS” is the slogan resulting from this; why? Because this is the conclusion made after we observed and analyzed the homochronous synthetical temperature and climate of over 300 large and medium-sized cities in the world, we took average annual relative value (total temperature divided by 365 days) as the reference standard and found obviously that this year (2017) in Australia and New Zealand in the southern hemisphere was the coldest year comparing to recent years (the temperature of this winter was at least 3 to 9 degree lower than former years), similarly, the temperature is lower than former years in Western Europe in the northern hemisphere (especially France) and Canada of North America; so this winter in the northern hemisphere will be the coldest and longest winter; someone will ask why the practical situation doesn’t change so much and is similar every year, that’s the question; the influence of inertial thinking leads to the numbness of frog-boiling effect, so in this year when internet and informatization are developed it’s easy to form a illusion which is just as Petteri Taalas said “The years 2013 to 2017 are likely to be the hottest five-year period on record”, but it is not true! Partial phenomena mean nothing, also prove nothing! In case it’s due to human factor like the film “Geostorm” shows? “The Little Ice Age”, as a natural subject, can only be researched and analyzed on the natural law basis; earth is the only home of we human at present, everyone’s care and everyone’s concern is the deputy and responsibility of everyone; "Conservation of Energy", "Natural Evolution", "Life Cycle", "Ecosystem" similarly as our research module and direction, for earth itself, it will have some adjustment about itself, such as melting icebergs of Antarctica and Arctic, the increase of natural disasters and the emergence of extreme weather, etc situations, all of those are the results of self-adjustment and optimization, just like a long time to meet, a long time to be divided, the things to be the opposite, it also has its own temperament, has its own sublimation; So at this point, the influence of human activity is not enough to change its own laws of activity; of course, we shouldn’t have the mind that human can conquer nature , mutual respect, harmonious balanced development are the sustainable future! No matter The United Nations Framework Convention on Climate Change (UNFCCC), or The Paris Agreement, those are all the expression of human civilization, this is the protection of earth home, also the choice of attitude! Finally, we have to warn everyone that it is better to respect the laws of nature instead of over-interpreting human factors; prevention, adaptation is the guarantee of security, beauty and future! Welcome more friends and partners from all over the world to communicate, cooperate, making the world become more excellent with everyone’s existence! Gelidity is no longer cold, and warmth is at CWMALLS, making warm love become the lighthouse of winter and lighting up everything! Thank you! Note: From now on, our partial patented designed products “Men’s 2in1 Leather Shearling Coat” officially be provided “Custom Made”, “Personal Tailor” services, its unique multifunctional feature (it has certain buffer action to explosion and bullet) makes you feel freer and easier; meanwhile, with the increase of global terrorist incidents, people’s life and property are threatened seriously, CWMALLS, CWMALLS COMMODITY, MWE FUND strongly urge again that all issues should be solved by dialogue and negotiation, which is the hallmark of human civilization! Oppose all extreme acts against civilians! Let’s make the world become more wonderful with everyone’s existence! Thank you! In 2017, love gets us together, in 2017, we keep consistent, in 2017, we skip to stand! (2020 is worth your expectations) “Cutting-edge School” “Innovative School” “Powerful School” — CWMALLS, CWMALLS COMMODITY, MWE FUND “The Little Ice Age”—prevention, concern make life more wonderful! CWMALLS Dream: Four Basis(Information Flow, Talent Flow, Goods Flow and Capital Flow), Three Centers(North America Center, Europe Center, Asia Pacific Center), Two Funds(Maintain World Fund, Maintain Earth Fund), and One College(CWMALLS College with two courses History and Philosophy) CWMALLS COMMODITY Dream: To offer pure natural, ecological “green products”, “environment-friendly commodities” continuously to consumers around the world; meanwhile, to transform more ideas, works and patents to products and commodities to form a virtuous cycle of ecological chain and value chain. CWMALLS Mission: To create the global standardized value ecosystem! CWMALLS COMMODITY Mission: Integrating the world’s high quality featured new products for you to share and benefit everyone! MWE FUND: Maintain the world’s peace and stability, maintain the earth’s balance and development. 2017 CWMALLS: Standard, Value, Ecology; 2017 CWMALLS COMMODITY: Technology, Art, Intelligence; 2017 MWE FUND: Charity, Public Welfare, Responsibility; Eco-friendly intelligent wearing, Low-carbon and environment friendly life, both are in CWMALLS global networking and mobilization. CWMALLS COMMODITY Nov. 16, 2017

#The Little Ice Age

0 notes

superfashionworldme-blog · 7 years

Text

“The Little Ice Age”— Gelidity is No Longer Cold, and Warmth is at CWMALLS [CWMALLS commodity blog]

CWMALLS® is the world's first online casual luxury brand: personalized, free, beautiful, valuable... "Custom Made", “Patented Product”, “Green Product”, are all in CWMALLS® Leather Jackets, Shoes, Bags series! CWMALLS, CWMALLS COMMODITY are the pioneers and creators of the whole industry chain standardized value ecosystem. Recently, the Secretary-General of the World Meteorological Organization (WMO), Petteri Taalas, has released the provisional climate statement “The years 2013 to 2017 are likely to be the hottest five-year period on record”, which led to our resonance and discussion in the world; therefore, CWMALLS, CWMALLS COMMODITY, MWE FUND want to discuss deeply about related climate issues with everyone with attitudes of responsibility and science! All the opinions and conclusions only represent personal opinions, please note! Meanwhile, welcome everyone to interact and exchange actively about the shortcomings, let’s make due contributions to the sustainable development of human society and nature! “The Little Ice Age” is a “hypothetical” problem brought up by us in 2012, and of course it is closely related to our products; green, environmental protection, low carbon and sustainability are what we always pursue, and we have carried out a series of innovation, research, promotion activities accordingly, “Gelidity is no longer cold, and warmth is at CWMALLS” is the slogan resulting from this; why? Because this is the conclusion made after we observed and analyzed the homochronous synthetical temperature and climate of over 300 large and medium-sized cities in the world, we took average annual relative value (total temperature divided by 365 days) as the reference standard and found obviously that this year (2017) in Australia and New Zealand in the southern hemisphere was the coldest year comparing to recent years (the temperature of this winter was at least 3 to 9 degree lower than former years), similarly, the temperature is lower than former years in Western Europe in the northern hemisphere (especially France) and Canada of North America; so this winter in the northern hemisphere will be the coldest and longest winter; someone will ask why the practical situation doesn’t change so much and is similar every year, that’s the question; the influence of inertial thinking leads to the numbness of frog-boiling effect, so in this year when internet and informatization are developed it’s easy to form a illusion which is just as Petteri Taalas said “The years 2013 to 2017 are likely to be the hottest five-year period on record”, but it is not true! Partial phenomena mean nothing, also prove nothing! In case it’s due to human factor like the film “Geostorm” shows? “The Little Ice Age”, as a natural subject, can only be researched and analyzed on the natural law basis; earth is the only home of we human at present, everyone’s care and everyone’s concern is the deputy and responsibility of everyone; "Conservation of Energy", "Natural Evolution", "Life Cycle", "Ecosystem" similarly as our research module and direction, for earth itself, it will have some adjustment about itself, such as melting icebergs of Antarctica and Arctic, the increase of natural disasters and the emergence of extreme weather, etc situations, all of those are the results of self-adjustment and optimization, just like a long time to meet, a long time to be divided, the things to be the opposite, it also has its own temperament, has its own sublimation; So at this point, the influence of human activity is not enough to change its own laws of activity; of course, we shouldn’t have the mind that human can conquer nature , mutual respect, harmonious balanced development are the sustainable future! No matter The United Nations Framework Convention on Climate Change (UNFCCC), or The Paris Agreement, those are all the expression of human civilization, this is the protection of earth home, also the choice of attitude! Finally, we have to warn everyone that it is better to respect the laws of nature instead of over-interpreting human factors; prevention, adaptation is the guarantee of security, beauty and future! Welcome more friends and partners from all over the world to communicate, cooperate, making the world become more excellent with everyone’s existence! Gelidity is no longer cold, and warmth is at CWMALLS, making warm love become the lighthouse of winter and lighting up everything! Thank you! Note: From now on, our partial patented designed products “Men’s 2in1 Leather Shearling Coat” officially be provided “Custom Made”, “Personal Tailor” services, its unique multifunctional feature (it has certain buffer action to explosion and bullet) makes you feel freer and easier; meanwhile, with the increase of global terrorist incidents, people’s life and property are threatened seriously, CWMALLS, CWMALLS COMMODITY, MWE FUND strongly urge again that all issues should be solved by dialogue and negotiation, which is the hallmark of human civilization! Oppose all extreme acts against civilians! Let’s make the world become more wonderful with everyone’s existence! Thank you! In 2017, love gets us together, in 2017, we keep consistent, in 2017, we skip to stand! (2020 is worth your expectations) “Cutting-edge School” “Innovative School” “Powerful School” — CWMALLS, CWMALLS COMMODITY, MWE FUND “The Little Ice Age”—prevention, concern make life more wonderful! CWMALLS Dream: Four Basis(Information Flow, Talent Flow, Goods Flow and Capital Flow), Three Centers(North America Center, Europe Center, Asia Pacific Center), Two Funds(Maintain World Fund, Maintain Earth Fund), and One College(CWMALLS College with two courses History and Philosophy) CWMALLS COMMODITY Dream: To offer pure natural, ecological “green products”, “environment-friendly commodities” continuously to consumers around the world; meanwhile, to transform more ideas, works and patents to products and commodities to form a virtuous cycle of ecological chain and value chain. CWMALLS Mission:To create the global standardized value ecosystem! CWMALLS COMMODITY Mission: Integrating the world’s high quality featured new products for you to share and benefit everyone! MWE FUND: Maintain the world’s peace and stability, maintain the earth’s balance and development. 2017 CWMALLS: Standard, Value, Ecology; 2017 CWMALLS COMMODITY: Technology, Art, Intelligence; 2017 MWE FUND: Charity, Public Welfare, Responsibility; Eco-friendly intelligent wearing, Low-carbon and environment friendly life, both are in CWMALLS global networking and mobilization. CWMALLS COMMODITY Nov. 9, 2017

#The Little Ice Age

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