More Than Just Money

We often equate wealth with bulging bank accounts, fancy cars, and sprawling mansions. But what if wealth was something far more profound, something woven into the very fabric of our existence? That's the idea sparked by a powerful quote from the book "The Wealth of the Great Kingdom": "Wealth is everything that the creator has given us, everything that surrounds us." This isn't just a feel-good statement; it's a radical shift in perspective. It challenges us to move beyond a purely materialistic view of wealth and appreciate the abundance that already exists in our lives. The phrase "everything that the creator has given us" is loaded with potential for interpretation. For some, the "creator" might be a divine being, bestowing blessings upon humanity. For others, it could represent nature itself, the source of all life and resources. Regardless of your personal beliefs, the core message remains: we are born into a world already teeming with gifts. Think about it. Air to breathe, water to drink, and sunlight to warm our skin—these are fundamental necessities that are freely given. Then, consider the natural resources that fuel our societies—fertile land, minerals, and forests. These are all inheritances, gifts that predate any economic system. The quote reminds us that true wealth begins with the foundation provided by our planet and, for some, a higher power. But the quote doesn't stop there. It expands our understanding of wealth to encompass "everything that surrounds us." This is where the real depth lies. Suddenly, wealth isn't just about tangible possessions; it's about our environment, our relationships, and our experiences. Consider our ecosystems. The intricate web of life, from the smallest microorganism to the largest whale, provides invaluable services. Forests clean our air and regulate our climate. Oceans provide food and transportation. Bees pollinate our crops. These ecosystems are not just beautiful; they are essential to our well-being and, therefore, a form of immeasurable wealth. Then there are our relationships. The bonds we forge with family, friends, and colleagues provide support, love, and a sense of belonging. These connections are arguably more valuable than any amount of money. They offer comfort in times of hardship, celebrate our successes, and enrich our lives in countless ways. Finally, consider our experiences. From witnessing a breathtaking sunset to learning a new skill, experiences shape who we are and add depth to our lives. These moments of joy, wonder, and growth are invaluable investments in our personal well-being. By broadening our definition of wealth, the quote from "The Wealth of the Great Kingdom" encourages us to appreciate the richness that already exists in our lives. It urges us to move beyond the relentless pursuit of material possessions and cultivate a deeper connection with the world around us. But what are the practical implications of this shift in perspective? How can we translate this philosophy into action? Firstly, it encourages mindful consumption. When we recognize the inherent value of natural resources, we are less likely to waste them. We become more conscious of our impact on the environment and strive to live more sustainably. Secondly, it promotes stronger communities. By valuing our relationships and investing in our social connections, we create a more supportive and resilient society. We become more willing to help others and contribute to the common good. Thirdly, it fosters gratitude and contentment. When we appreciate the abundance that already surrounds us, we are less likely to be driven by insatiable desires. We find joy in the simple things and cultivate a sense of inner peace. In conclusion, the quote "Wealth is everything that the creator has given us, everything that surrounds us" is more than just a pretty sentiment. It's a powerful reminder that true wealth extends far beyond material possessions. It encompasses our natural resources, our relationships, our experiences, and our connection to something larger than ourselves. By embracing this broader definition of wealth, we can cultivate a more sustainable, fulfilling, and meaningful life, both individually and collectively. So, let's take a moment to appreciate the true wealth that surrounds us and work towards preserving it for generations to come.

The harsh truth hidden in a proverb: Buying what you don't need

We all know that feeling. You’re browsing online or wandering around a store, and something catches your eye. It's shiny, it's new, and it might even be on sale! And before you know it, you're justifying why you need it, even though deep down you know you probably don't. But it’s reassuring and a boost to your self-esteem, right? It’s just a small purchase. The old adage, "He who buys what he doesn't need, sells what he does need," brings a stark reality to this impulse shopping. It's not just about being frugal (although that's definitely part of it). It's about priorities and the potential consequences of mismanaging your resources. Think of it this way: every purchase, no matter how small, is a decision about where your money goes. When you spend on things you don't really need, you're diverting funds from things that matter—your basic needs, your future, your security. The proverb highlights a dangerous cycle. It’s not just about the immediate overspending; it suggests a potential chain reaction. That impulse purchase may seem harmless now, but it could lead to financial strain in the future. You may have to dip into your savings, take on an extra job, or even sell something valuable—something you actually rely on—just to make ends meet. We live in a consumer culture that is constantly bombarded with advertisements and tempting offers. We’re told that buying the latest gadgets, the trendiest clothes, or the finest coffee will make us happier, more successful, or more popular. But the truth is, many of these things are just distractions. They’re shiny objects that take our attention (and our money) away from what really matters. The proverb, however, is not advocating a life of deprivation. It’s not about never treating yourself or denying yourself small pleasures. It’s about being mindful of your spending habits and understanding the long-term consequences of your choices. Consider the following scenarios: The Gadget Addict: Always buying the latest phone, even though their current one works perfectly. Eventually, they may struggle to pay rent or afford a major car repair. The Fashion Victim: Constantly buying clothes they rarely wear, filling their closet with items they’ll soon throw away. Then they may find themselves unable to afford much-needed medical expenses or a course that could advance their career. The Subscription Collector: Signing up for countless monthly subscriptions that they barely use. Over time, these small monthly fees add up, impacting their ability to save for a down payment on a house or a comfortable retirement. A simple example. A colleague went to a cafe every morning before and after work. He always complained about the lack of funds for the family budget for summer holidays. One day I turned to him and asked him. How much money does he leave in this cafe per day? He replied that an average of six euros per day, including on his days off, he liked to visit. I simply told him, so you spend 180 euros per month and almost 2200 euros per year in this cafe. And what tariff plans do you use on your phone, and what are the costs there, per year? Because I still don't have a smartphone, and I was interested in the costs per year. The colleague turned to me and asked me if you calculate everything on an annual basis. I replied that this way I can calculate the costs for a year and sometimes years in the future. Do the math like this, and you will be scared by the numbers. But my colleague, after a year, of course after several conversations with me, had already saved over 7,000 euros. So, how can we prevent ourselves from slipping into this trap? Here are some practical tips: Needs vs. Wants: Before you make a purchase, ask yourself, is this a need or a want? Be honest with yourself. The 24-Hour Rule (or more!): If you’re tempted to buy something on impulse, wait 24 hours (or even a week) before making the purchase. You may find that the urge has passed. Budgeting: Create a budget and stick to it. Knowing where your money is going can help you make more informed spending decisions. Mindful Consumption: Be aware of marketing tactics that are designed to make you want things you don’t need. Prioritize Experiences Over Things: Often, the memories and experiences we create bring more lasting happiness than material possessions. The saying “He who buys what he doesn’t need sells what he needs” is a timeless reminder to be mindful of our spending habits and prioritize our needs over our wants. It encourages us to be responsible stewards of our resources and avoid the trap of consumerism. It’s a simple yet profound lesson that can help us live a more fulfilling and financially secure life. So, the next time you’re tempted to buy something you don’t really need, remember this saying and ask yourself: What am I potentially sacrificing in the long run?

Do you control your money, or does it control you? It’s a question worth pondering

A single quote from the book The Heir of the Dynasty perfectly encapsulates the complex relationship we all have with finances: “He who controls money need not fear it. But he who cannot control it always lacks it.” Although it may appear straightforward, a closer examination reveals that it holds a profound significance. At its core, the quote highlights the difference between mastery and being mastered. It’s not about having money; it’s about controlling it. Think about it—we’ve all heard stories (or maybe experienced them ourselves) of lottery winners who ballooned their fortunes over a few years. They had a huge influx of money, but they lacked the control, discipline, and understanding to manage it effectively. Instead of being masters of their wealth, they found themselves subservient to it.  The first part of the quote, “He who controls money has nothing to fear,” speaks to a sense of security and empowerment. When you understand how to manage your finances—whether it’s budgeting, investing, or simply making informed spending decisions—money stops being a source of anxiety. It becomes a tool, a resource that you can use to achieve your goals and build a better future. That control creates confidence. You don't have to worry about financial stability or unexpected expenses. You have a plan, and you’re in charge.  This part of the quote also hints at a deeper kind of power. Control over money often means control over other aspects of your life. Control over money creates opportunities and serves as a safety net during times of crisis, enabling you to pursue your passions without financial limitations. In the context of “The Heir of the Dynasty,” this control probably represents a significant advantage in the power dynamics within the family and the world at large. Now let's move on to the second part: "But he who cannot control it always lacks." This is where the quote really stings. It's a harsh truth, but it's often borne out by reality. Lack of financial control leads to a constant state of scarcity. You're constantly chasing your tail, struggling to keep up with the bills, and feeling like you're never getting ahead. This scarcity encompasses more than just a lack of money; it also encompasses a lack of opportunities, a lack of freedom, and the ongoing stress of living in a precarious situation. The word “always” is particularly strong here. It suggests a cyclical pattern. Without the ability to manage resources, you are trapped in a financial insecurity. You may get a promotion or a bonus, but without the skills to manage that extra income, it will eventually slip through your fingers. Lack of control is likely to be a weakness that others will use against you. Anyone who can’t manage their money is likely to be vulnerable, easily manipulated, and ultimately at the mercy of those who do have control. The quote from the book isn’t just about personal finance; it’s about power, control, and the fundamental relationship between individuals (or characters) and resources. It suggests that true wealth is not about the amount of money you have but about your ability to manage and control it. It’s a timeless message that resonates far beyond the pages of The Heir of the Dynasty, offering a valuable lesson for anyone who wants to build a secure and fulfilling future. So the question this quote leaves us with is this: do you control your money, or does it control you? It’s a question worth pondering.

The Paradox of Possession: Longing for What We Lack

 The Heir to the Dynasty is a book rich in observations about human nature, power, and the intricacies of family. Within its narrative, one particularly poignant quote rings with universal truth: "When we have something, we don't pay attention to it. When we don't have it, we strive to have it, whether or not we need it." Our tendency to underestimate what we have and relentlessly pursue what we don't have, even if that pursuit is ultimately disastrous. The first part of the quote, “When we have something, we don’t pay attention to it,” speaks to the phenomenon of taking things for granted. It’s a deeply ingrained human tendency. Familiarity breeds complacency. Objects, relationships, and even our own health become background noise, unnoticed until their absence brings them to the forefront. Think of the everyday conveniences we often neglect: reliable electricity, clean running water, and the company of loved ones. We only truly appreciate their value when they’re threatened or lost. This lack of appreciation stems from several factors. Firstly, we are habitual beings. Our brains are wired to filter out the familiar, allowing us to focus on new and potentially threatening stimuli. This efficiency comes at the cost of ignoring the blessings that surround us. Second, the hedonic treadmill plays a role. We adapt to positive experiences by reducing their impact on our overall happiness. Over time, what once brought us immense pleasure gradually fades into the new normal, losing its appeal. The second part of the quote, “If we don’t have it, we strive to have it, whether or not we need it,” delves into the realm of desire and aspiration. This highlights our innate desire for more, often fueled by external pressures and societal expectations. We are constantly bombarded with images of what we lack: a newer car, a bigger house, a more exotic vacation. This constant exposure cultivates a sense of inadequacy, causing us to relentlessly pursue these perceived needs. The phrase “whether or not we need it” is particularly insightful. It suggests that our desires are often divorced from true need. We are driven by need, not necessity. This can lead to a cycle of perpetual dissatisfaction. We acquire the desired object, experience a fleeting moment of satisfaction, and then quickly move on to the next perceived deficiency, leaving us chasing an ever-elusive goal. This pursuit can be especially destructive when it comes to more abstract concepts, such as power, status, or recognition. The relentless pursuit of these things can lead to unethical behavior, strained relationships, and ultimately a hollow victory.  The relevance of the quote extends beyond individual behavior, offering insights into broader societal trends. Consumerism, with its constant emphasis on new and improved products, thrives on this very principle. Advertising preys on our insecurities, highlighting what we lack and promising satisfaction through acquisition. This creates a cycle of relentless consumption, fueled by the illusion that happiness is just around the corner, in the next purchase.  Ultimately, the author’s observation serves as a powerful reminder to cultivate gratitude and critically examine our desires. By consciously appreciating what we already have, we can free ourselves from the cycle of constant striving and find contentment in the present moment. It challenges us to question the source of our desires and to distinguish between real need and fabricated need. In a world driven by relentless ambition and consumerism, this ability to distinguish between true value and fleeting gratification is more important than ever. The lesson from “The Heir to the Dynasty,” embedded in this insightful quote, is a timeless reminder to appreciate what we have before it’s gone and to be mindful of the desires that drive our actions. 

How money or power changes our perceptions

The power of money and power.  In life, we often encounter people who try to compensate for their shortcomings by demonstrating material wealth or their position in power. The proverb “I may be small, but when I sit on my wallet, I become taller than everyone else” perfectly illustrates this tendency. But what actually lies behind this ostentation, and how does it affect our society?  Money has long become a symbol of power and status. In many societies, material wealth is associated with success, influence, and even intelligence. Therefore, it is not surprising that people strive to demonstrate their financial situation in order to feel more confident and significant. Those with real political power always demonstrate that they are an unavoidable factor, and we are obliged to take their perspective into account and suffer the consequences, even if we harm other people.  For some people, displaying wealth or demonstrating power is a way to compensate for personal complexes or feelings of inferiority. When a person feels insecure in other aspects of their life, they may try to compensate for this through material gains or challenging those who are weaker.  This tendency also has its negative consequences.  It is often a false impression that material wealth or power is a criterion for success.  Should we be critical of the messages that flood us from everywhere and not allow advertising suggestions to manipulate us? Should we focus on our personal qualities and skills and move forward?  Should we build valuable relationships with the people around us instead of dividing ourselves?  Should we seek inner satisfaction, not external recognition?  It is important not to succumb to the illusion of superiority that money or power can create. True power lies in our personal qualities, not in the thickness of our wallets or the position of power we hold.

Putin praises Bitcoin

 I guess that Putin wants to use this uncontrolled money, if it becomes international money, as quickly as possible. He knows that this will be the beginning of the downfall of America. After all, their strength is in the dollar. But basically, every empire collapsed with help from within. There is one unknown answer for all. The Russians think that this was developed by the CIA. Americans think it was invented by the Japanese secret services. The Japanese think it is a development of the Chinese. Politicians think that there is a conspiracy against democracy, because if they do not control it to distribute the portions/budget, then it is anarchy. The business wants this because it will keep its money closer and will not look for offshore companies and so on. Optimists perceive immediate profits, while pessimists believe that the game will eventually end and that this is the largest pyramid scheme of the century. The head of Facebook is inwardly happy that one day his Libra coin will be legalized and will be the strongest of all others. I guess the bosses of McDonald's, Walmart, Amazon, and others with many clients are secretly hoping that this will happen and that they will make some such coin. All banks are dying of fear that they might become redundant. Those who are aware of the technology see competition from Western Union and the like. Dark side hackers see how they will make their biggest hits in time. I can write many more examples. Everyone sees things from their point of view. But when we look at the fantasy movies, there they still believe in money from precious rare raw materials. Time will determine who is correct and who is incorrect.

Some money making tips

 For people from Warren Buffett , one of the world's most successful investors, is known for his wisdom and simple yet effective money management advice. Whether you are a beginner or a seasoned investor, his advice can help you achieve your financial freedom. Top tips from Warren BuffettPay yourself first. Every time you get a paycheck, set aside a certain amount for investments. This creates a habit of saving and investing, which is essential for long-term wealth. Live below your means: Avoid the temptation to spend more than you earn. Live frugally and invest the difference.Invest in yourself: Education and acquiring new skills are the best investment you can make. This will help you increase your income in the long run. Diversify your portfolio: Avoid concentrating all your investments in a single asset. Invest in a variety of assets to reduce risk. Think Long Term: Avoid letting short-term market fluctuations influence your decisions. Focus on long-term goals and be patient. Buy Stocks You'd Hold forever: Invest in companies you understand and believe in. Avoid Debt: It can be a serious obstacle to achieving financial freedom. Pay your bills on time and avoid borrowing for non-essentials. Invest in index funds: Index funds are a passive way of investing that offers low costs and excellent diversification. Don't try to predict the market. No one can accurately predict market movements. Instead, focus on long-term trends. Be patient: Wealth builds over time. Don't expect quick results. Why is Buffett's advice so effective? Simplicity: Buffett's advice is simple for anyone to understand and apply. Long-term focus: Buffett believes in the power of compound interest and long-term investing. Discipline: Success in investing requires patience and the ability to stick to your plan. Principles-based: Buffett's advice is based on sound financial principles that hold true in any economic environment. Conclusion. By following Warren Buffett's advice, you can build a solid financial foundation and achieve your financial goals. Remember that success in investing takes time, patience, and discipline.

The technical analysis of his company shows that it may be one of the few in the world. The curve consistently ascends by 10 to 20 percent.

What do successful people have in common?

Have you ever wondered what the richest and most successful people have in common? It is certainly not their place of birth, the color of their eyes, the color of their skin, whether they had divorced parents, etc. What they have in common is that they read books. And a lot of books. You must be wondering who these special books are. There is hardly a success bible. There are many different books specifically for financial success. The reality is that they can point you in the right direction. How to organize your budget and how to invest. Yes, they are also a factor in decent financial discipline. The truth is very different. There is a story hidden in every book. In this story, you can find an opportunity for your dream. Fall in love with an item or service that you can develop. Then sell this idea of yours. Try to read one book a week. Let them be in different genres. Figure out what exactly you like. Then read at least a dozen books in this genre. Think and conclude again. You don't lose anything. You learn a little more about life. There are books that motivate. There are stories that can unleash your potential. There is a character from the books that inspires. You have the opportunity to get an idea. Any book can give you a million-dollar idea. You only need one idea. It could be your key to a door you want to be behind. There are many ways to sell your idea. If the idea is brilliant, you will always find sponsors. May the idea prosper, for the benefit of people and nature. I just know that everyone can rediscover themselves by looking at themselves from different angles. Books help with that. As far as I know, there is no better friend than a book. The knowledge they impart helps you become successful in your endeavors. The conclusion is that what successful people have in common is books.

Author Sezgin Ismailov

With your vote, you contribute to the future of your money.

 The movement of money and the fundamental factors. I am definitely not a stock player who buys today and sells tomorrow. But I visit various groups and see them arguing and looking for a quick buck. Many people will say you should do fundamental analysis. Other technical analysis, most you need to know both. Specialists a lot. For me, it is important to choose from 3 to 10 stocks maximum. Three favorites up to 50 percent of the portfolio and the rest where you can average the risk. Everyone quotes Mr. Buffett, but their actions want to get rich if they can right now.If you look at Mr. Buffett's portfolio he has bought and held for years and his patience pays off. Because there are good moments but also bad. I also think that by investing you have really already chosen, you should hold for years. But what causes stock prices to fluctuate constantly? Demand and supply. When there is demand they go up. And the opposite holds true. But what makes this happen. One is the media, the other is the company's profits. The last, perhaps most important, politics. Not only the most important, but also the most significant that leads to the consequences. With the media, some big players (analysts) may be looking for a little volatility with the statement. To make their customers a little more money. The second option for the company's income, what affects it the most. Bad service or product. Regulatory obstacles. Competitiveness. If it's bad service, it's their own fault. Yes, competitiveness is now also a factor in unfair competition. But regulatory hurdles are the biggest factor. Finally we come to the politicians. So that politicians ultimately decide the fate of billions of people in the world. How, for example, in the case of friction between two countries and entire businesses go to the cinema.A company close to the politicians enjoys a subsidy. Government contracts that support large revenues. Yes, in case of major financial crises, the politicians are still to blame because they did not do their job. In an epidemic there, it's already God's work. But in conflicts between countries, the politicians are to blame. Out of nowhere, some group of people acquires a weapon. We're back to regulation or unenacted laws to outright ban guns. So instead of just following the company you worry about, will it make you a little richer. Think when you vote what kind of people you are voting for, nothing personal. Even with your vote you contribute to the future of your money.

Increasing the potential for diversification in the portfolio

Although investing in the S&P 500 gives the impression of being the most popular choice, there are other options available. During the past few years, the Hong Kong stock market has experienced tremendous development, which has enabled various companies to continue to receive stable dividends. Hong Kong equities are currently relatively inexpensive compared to those in other developed countries. This presents an opportunity for investors to potentially generate higher returns by investing in Hong Kong dividend stocks under the current market conditions. A significant number of Hong Kong companies have been continuing to distribute dividends for more than 10 years, which is an indication of their financial stability and dedication to the value of their shareholders. Hong Kong-registered firms can issue bigger dividends to their shareholders because they are subject to a relatively low corporation tax rate. With a reputation for being a financial hub, Hong Kong is home to a stock market that is well-established and has high liquidity. This makes it possible for Hong Kong equities investors to conduct trades without any complications. The trading of stocks in Hong Kong is available to any foreign investor, making it possible for individuals from all over the world to participate in the market. Hong Kong stocks are known for their high dividend yields. Because the average dividend yield for Hong Kong stocks is higher than that of stocks in developed nations such as the United States and Europe, investors would have the opportunity to potentially produce a bigger income through Hong Kong dividend stocks. When compared to shares in other developed markets, Hong Kong shares often display lower levels of volatility. Such behavior provides investors with a reduced level of risk, which is essential for those investors who are looking for a steady income stream. To connect with China's economy, which is the second largest in the world, Hong Kong acts as a bridge. It is possible to obtain exposure to this growing market by investing in Hong Kong equities, which can act as a platform for doing so. As a result of the Hong Kong dollar's peg to the United States dollar, the value of the Hong Kong dollar is guaranteed to remain within a narrow range in comparison to the value of the US dollar. The implementation of this action was done with the intention of stabilizing the economy of Hong Kong and preserving investor confidence in the financial system of the territory. When it comes to reducing risk and diversifying a portfolio, investing in dividend stocks in Hong Kong might be beneficial. Taking advantage of this opportunity, you have the potential to enhance the amount of money you earn from Hong Kong dividend stocks while simultaneously lowering the total risk of your investments. To locate the most lucrative investment choices that are matched to your specific financial goals, it is beneficial to investigate all of the potentially available options and conduct research on this market. The ability to generate passive income through Hong Kong dividend stocks is among the best available for a variety of reasons. If you're considering investing in Hong Kong dividend stocks, you're using your usual stock-picking strategy and factoring in the economic outlook for Hong Kong and the global economy.

When I write something, it's a personal opinion. Specifically, I have Hong Kong shares, and I am pleased with the dividends. Investing is risky, and many AI companies will fail as others become powerful.

Author Sezgin Ismailov

Every person should ask themselves the most important question, namely, how they can save more money for their future.

This is the simplest method of compound interest. I suppose there are many books on the subject, and all I am doing is expressing my personal opinion. The most important question that every person should ask themselves is, how can they grow their money? Investing in profitable stocks is key. Please determine how to identify those stocks. There are a few different ways to do this. But my strategy is to just keep going down that path. My first goal is to get fifty percent of the portfolio to make it healthier and safer. Finding the company within the Global 2000 is the first step in the process. Being in the Fortune 500 is the second phase in the process. The third step is to ensure that the company is consistently ranked among the 30 most valuable businesses in the country in which it is incorporated. At a minimum, the company should be ranked among the top brands in the nation in which it is incorporated.  The third requirement is the fourth need. In other words, it indicates that people believe in the company's products or services. I undertake to check whether the revenue over the past five years has increased by at least five percent per year. This leads me to the fifth point. As a sixth point, I need to make sure that in addition to increasing sales, it also increases profits. This is because it is not good if they do not increase. Seventh, the total number of liabilities should be determined, as well as the revenues and profits that are sufficient to cover these liabilities. Is there financing available at the moment? This is a factor that contributes to the competent management of the company and the readiness of the company to deal with different situations. The ninth factor that can enhance the company's development is its patent portfolio. What connections does it have with training centers, and how much does it allocate for new developments? How many investment funds from around the world are now invested in this company? The company has at least five significant investors, including BlackRock, Vanguard, Schroders, Alliance, the Norwegian State Pension Fund, the Government of Singapore Investment Corporation, and other prominent industry players.  And finally, the management itself makes purchases from its enterprises. They believe in their efforts and see the development that the organization is making. In twelfth place, the corporation is an important player in the nation in which it operates, and the authorities will help it in specific situations. Thirteenth, a significant number of the largest corporations use government subsidies, which is a component of their business decisions. Therefore, they will be important. Another consideration is the fact that you use their services or buy their products, which brings us to the fourteenth point. Therefore, you trust this company and are satisfied with the items or services it provides. Fifteenth, does the corporation have a stock buyback program?  This process leads to a decrease in the total number of shares, which allows them to increase their share price. Sixteenth, has it distributed dividends in the last five years? It is recommended to do so annually, with a slight increase compared to the previous year. If not, this is not good. If you own stocks that do not pay dividends, is it still worth owning them? In my opinion, it is not worth it. What is it like to see something on the screen without being able to see it in another form? When you receive a small reward for your investment, it is a different experience that brings both joy and excitement. Seventeenth, if you believe that this product or service is not threatened in the future, you cannot continue to live without it or it is not simply transitional/becoming obsolete compared to new technologies or polluting the planet/is it worth investing in. You may want to use the advice for your entire portfolio; however, it's a good idea to consider emerging companies that will generate a new product and have the opportunity to establish themselves over time. Let me just point out one thing. Rarely do businesses have rapid growth that is accompanied by very significant percentages. Nothing else requires a continuous investment of time and effort. Someone once said, "Drop by drop, a pond expands." 

                                     

Author Sezgin Ismailov

With the dividend kings, you can increase your money as it moves, works, and grows

Some companies have been paying dividends for over fifty years. This signifies a significant shift in business practices. It's akin to receiving interest from a bank. This is the OnePlus. The other main option is that they also increase in value. If you receive a salary and do not have any loans, the value of your money will increase. Some numbers are accumulating in your account that you cannot spend. As it turns out, you have such an opportunity almost every month. Money is accumulating in your bank account, but is it outpacing inflation? I do not believe it. However, if you invest this excess money in a developing business or company with dividends, you have an opportunity to manage your money. You have the opportunity to make your money work for you. Besides growing, you can also get consistent returns on your money. The companies listed below are proven to grow your money.  American States Water, Dover, Emerson Electric, Genuine Parts,  Northwest Natural, Parker-Hannifin, Procter & Gamble, 3M, Cincinnati Financial, Coca-Cola, Colgate-Palmolive, Johnson & Johnson, Lancaster Colony, Nordson, Hormel Foods, California Water Service, ABM Industries, Commerce Bancshares, Federal Realty Inv. Trust, SJW, Stanley Black & Decker, Stepan Company, H.B. Fuller, Altria Group, Sysco, National Fuel Gas, Kimberly-Clark, Abbott Laboratories, Becton Dickinson, PepsiCo, Target, PPG Industries, ADM, Nucor, Middlesex, Bank of Nova Scotia, Church & Dwight, CIBC, Church & Dwight, Eli Lilly, Exxon Mobil, General Electric, General Mills, Hawaiian Electric, American Electric Power, Union Pacific, Royal Bank of Canada, Avista, MGE Energy, Bank of Montreal, Ingersoll-Rand.

The most interesting thing is that one has a choice of so many companies. These are proven North American companies. In another article, I will write about European and Asian companies.

Money as it moves/works/grows.

Author Sezgin Ismailov

The impact of interest rates

If interest rates go up, the cost of borrowing money will also increase. This increase will impact individuals who have variable-rate loans, as well as businesses that borrow money for expansion or other purposes. The higher cost of borrowing could lead to less spending and a slower economy. Investments that pay fixed rates of interest, such as bonds, will decrease in value when interest rates rise. This is because investors can get a higher rate of return by investing in other assets, such as stocks.  An increase in interest rates will cause the value of the dollar to rise. This increase is because investors will want to put their money in assets that will earn a higher return, and the dollar is considered a safe investment.  An increase in interest rates will lead to higher inflation. This is because businesses will pass on the higher cost of borrowing to consumers in the form of higher prices.  A rise in interest rates will cause the economy to slow down. This is because businesses will invest less and consumers will spend less. The problem is how long this will last. As it turns out, it won't be for a year. Should we make adjustments? Most interestingly, I expect zombie companies to emerge. Now is the time to see which companies will move forward. Which commodity is valuable to people? These companies have a future. It is worth investing more in them. This is especially true if they continue to pay an inflation-adjusted dividend.

An ordinary person's opinion about cryptocurrencies

I am not very familiar with these currencies. I have an overview of the net and the gossip around it. I understand the advantages of cryptocurrencies. Cryptocurrencies use blockchain technology, which brings innovation to many other areas of the web. I was perplexed by the fact that its creator remains unknown. In the world of big data, it remains a secret. Importantly, validators still control the transactions themselves. Looking at the big picture, the system resembles a parliamentary government. Understanding the implications of the errors in parliamentarism, how significant is it beyond that point? Who will be responsible for a potential collapse? The cons of cryptocurrencies. This means that there is no centralized authority. Each country has one currency. But anyone good with a computer can make cryptocurrency. As far as I know, there are already over 5000 species. I won't be surprised if they become over a hundred thousand cryptocurrencies. Anyone who believes that any subsequent cryptocurrency will be able to hold its own is expressing doubt. Let me invest; I have the potential to become wealthy quickly. He is quick to invest. What is he investing in...? I have no idea. A fintech-type money transfer app with a variable value could be the solution. But ask yourself the question. As long as there are heads of government and very powerful banks, will they leave the people alone to do whatever they want? Over time, a bank with a large clientele base will likely develop its own cryptocurrency and impose transaction fees. I think the biggest problem is saving your password or really knowing it. 

If you forget it, what do you do? I have no idea what happens when the owner of these cryptocurrencies dies. You go to a normal bank with your passport or a certificate for the heirs and you have the option of getting your money back. However, buying something illegal is not advisable. To pass tax-free is great. But who will maintain order and infrastructure if we don't pay taxes, even with all the crypto? For example, let's say a big company like Amazon makes a cryptocurrency and says it only accepts payment in that currency. You walk into Walmart, and it only accepts its currency. You go to McDonald's, and she wants you to pay with their currency. What does the average citizen do? Must have a smartphone. Please ensure you remember the password each time you make a transaction between currencies. Indeed, this is a significant issue, given that the password is solely used for transaction purposes. Without any intention, you travel to a country and stay in a hotel where the payment has already been made. However, there is no cigarette shop nearby. He goes to the nearby village, but unfortunately, he has no range, and what he does... I think that the disadvantages are much more than the advantages of cryptocurrencies. Yes, if they are digital currencies of continents (Latin America, North America, Europe, and Asia) + one as a pillar of the others. For instance, the number of digital currencies could be limited to a maximum of five, subject to the control of all nations. If it is dug in one place, untouchable for those who blame the world and think of ways to harm, then maybe there is a future. It's one thing to watch a fantasy movie; it's another to live a fantasy life. A third of the world still doesn't even have clean water to drink. But this wandering of many cryptocurrencies will someday lead to the proper digital currencies. I would rather not predict, but it will be the big, financially and digitally advanced protected states. I can't help but add the cost of mining energy. Where we must protect nature.

Author Sezgin Ismailov