Brown Seaweed

On this wonderful place called earth there are many bodies of water that brown seaweed thrives, however not all these places that it grows under the water is pristine and pure free of contaminants that can harm people if it is consumed by them.

It is for this very reason I chose to write this, I have traveled the world and many of the locations that the native persons are harvesting this brown seaweed are in shipping lanes and so forth. They do this because they are well aware of the truly life sustaining properties of it.

And they eat it in there daily diet in its raw form. Even though it is a little hard on ones pallet, they still do this because it is grate grateful to there body. You see it's briny and rubbery to the taste.

You see this brown seaweed gathers its vitamins and nutrients from the water and sun shining through the water as it grows, so anything floating in the water or in the soil it grows in is absorbed in the brown seaweed.

This is a concern of mine and others, because things like Mercury, lead and other things can be very harmful if consumed. So it is very important to get the brown seaweed from the purest places, one of those places is around the islands of Tonga.

There are no shipping lanes there at all, and it is the purest waters there are, the brown seaweed grows there in grape abundance. And you should know that the business that I'm in not only has it in a liquid form that 15 years was spent developing the cold process.

But also owns the rights to this process, And for your information not only can you buy brown seaweed bottled and mixed with mangos, papayas, apples and pears so it taste really good, It is way more potent than just eating it in it's raw form !

Furthermore you can get residual income while investing in your health from this very beneficial brown seaweed! The people of Tonga and Asia have known this for thousands of years! And now you know. Start using this knowledge.

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Importance Of Data Mining In Today’s Business World

What is Data Mining? Well, it can be defined as the process of getting hidden information from the piles of databases for analysis purposes. Data Mining is also known as Knowledge Discovery in Databases (KDD). It is nothing but extraction of data from large databases for some specialized work.

Data Mining is largely used in several applications such as understanding consumer research marketing, product analysis, demand and supply analysis, e-commerce, investment trend in stocks & real estates, telecommunications and so on. Data Mining is based on mathematical algorithm and analytical skills to drive the desired results from the huge database collection.

Data Mining has great importance in today’s highly competitive business environment. A new concept of Business Intelligence data mining has evolved now, which is widely used by leading corporate houses to stay ahead of their competitors. Business Intelligence (BI) can help in providing latest information and used for competition analysis, market research, economical trends, consume behavior, industry research, geographical information analysis and so on. Business Intelligence Data Mining helps in decision-making.

Data Mining applications are widely used in direct marketing, health industry, e-commerce, customer relationship management (CRM), FMCG industry, telecommunication industry and financial sector. Data mining is available in various forms like text mining, web mining, audio & video data mining, pictorial data mining, relational databases, and social networks data mining.

Data mining, however, is a crucial process and requires lots of time and patience in collecting desired data due to complexity and of the databases. This could also be possible that you need to look for help from outsourcing companies. These outsourcing companies are specialized in extracting or mining the data, filtering it and then keeping them in order for analysis. Data Mining has been used in different context but is being commonly used for business and organizational needs for analytical purposes

Usually data mining requires lots of manual job such as collecting information, assessing data, using internet to look for more details etc. The second option is to make software that will scan the internet to find relevant details and information. Software option could be the best for data mining as this will save tremendous amount of time and labor. Some of the popular data mining software programs available are Connexor Machines, Free Text Software Technologies, Megaputer Text Analyst, SAS Text Miner, LexiQuest, WordStat, Lextek Profiling Engine.

However, this could be possible that you won’t get appropriate software which will be suitable for your work or finding the suitable programmer would also be difficult or they may charge hefty amount for their services. Even if you are using the best software, you will still need human help in completion of projects. In that case, outsourcing data mining job will be advisable.

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Welding Jobs: Ideas You Can Use At Home To Make Money Welding (No Boss While You Make $100,000)

What if you could make $100,000 a year welding from home?

What if you could make even an extra $500 a month from home, using your current skills? If you are a welder with basic welding skills and you are between jobs or you are being under paid in your current job, it might be worth your time to read this article – let’s think outside the box for just a minute on how you can make money welding from home.

From Home Welding # 1:

Teaching or tutoring any skill is a very profitable business. In any town of any size you’ll see at least one tutoring business in a strip mall brick and mortar location. In that same town will be at least a dozen other tutors working from home, making good money.

Yes, most of the time they are tutoring math and reading to students. Lean back and think about what skills you have that can also be used in a tutoring business you can set up and milk cash from, like milk from a cow.

Let’s say you are good enough with TIG to weld razor blades or pop can butts.

If you can teach a non welder to operate a TIG torch good enough to go on and practice on their own at their home in about 3 hours of your hands on theirs – they will pay up to $100 an hour for 3 hours of TIG instruction. Just 2 students a day would bring you $100,000 a year. If you think I’m kidding I’m NOT! There are many reasons why education is so valuable – and that includes intense, focused tutoring in welding.

6G pipe welding is the highest paid of all welding certifications – most 6G welders make $100k to $300k a year – and demand is crazy. However, if you are a 6G welder and you want to stay home, you can set up and teach 6G in your garage. Let’s say you do this with 7 students, each paying you $10,000 for a 3 month course. Yes, they will pay it – especially if you show them how they will have more time with your hand on theirs (the #1 secret to learning 6G fast).

From Home Welding # 2:

I was in Palm Springs the other day. I have been in and around the trades for 30 years… and when you see a tradesman’s truck and it is late model without dents or many scratches, clean, organized and well equipped, it means (99% of the time) that guy is making money.

I pulled up to a light behind just such a truck – “Joe’s BBQ Service and Repair.” That’s it – that is all Joe does. He will weld cast aluminum or steel. He’ll clean and polish. He’ll replace a burner or a control. OR he’ll buy your old unit and sell / or sell you a new one.

Yes, you need a town with a lot of high end BBQs. Other than that, go get it.

From Home Welding # 3:

Large steel cut outs. In art of all kinds, size matters. For example, 20 years ago we purchased two 4′ long coat racks – each is a piece of 1.5″ x 1.5″ x 1/8″ angle 4′ long with 6 horse shoes welded to the angle to hang the coats.

On the horizontal surface of the angle is welded a scene made of 7 horse and 7 tree cut-outs. We paid $185 for each of these 20 years ago… that would be about $300 a piece in today’s dollars.

The problem with you making these is that the 14 cut outs on each unit are too small too many to cut by hand – you need a computerized plasma table to make these.

Here is where the magic of size makes all the difference.

The artist who drew the cut outs on our coat rack was good. Each of the 7 horses is different and beautiful, as well as the trees. Any – or all of these – cut outs can be scaled up with chalk onto a sheet of say 4′ x 8′ x 3/16″ steel. Now, all you need is a plasma or an oxy torch to create the large version.

What would a horse cut from a 4′ x 8′ sheet sell for?

$300 to $700. It would depend on where you are and how you market it. Marketing is a large part of any business. Good marketing is not hard – you can do it.

You can see, if you could get a “business pipe” full of inventory and sales and you were delivering 2 horses a day, you could easily make $100k. The other major opportunity with big cut outs is gates. The key to all of this stuff in the art category is beautiful line drawings. If you are not an artist, hire one on the condition that they sign the copyright to you.

There are endless ideas to utilize even your most basic welding skills from home to make an excellent living or just extra money. The trick is:

Step A:

Find what will work best for you.

Step B:

Write out a simple plan of attack. Don’t put the cart before the horse. Many small businesses fail because the owner gets all wrapped up in the details and loses site of what is important. Here is what is important: Don’t spend money – MAKE MONEY!

Step C:

The first rule of business is to GET NOTICED. That is also the end goal of all marketing – once you have enough eyeballs on you, you will succeed. The common mistake is to leave marketing for last while concentrating on every little rule and piece of paper. A business license will do you no good if you don’t make money! Save your money and get it (if you really need one) when you make some money. Towns and cities will simply say, “do you have a business license?” When they ask, say: “I’m getting one now.”

Conclusion:

You are blessed to live in a country where you can go from nothing to something in a hurry. However, to get anywhere in a hurry requires running hard. You’ll never regret it.

What should you do next?

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Why Is Bitcoin Cloud Mining the Way Forward?

Cloud mining allows you to access data centre processing capacity and obtain cryptocoins without the need to purchase the right hardware, software, spend money on electricity, maintenance, and so on. The essence of cloud mining is that it allows users to buy the processing power of remote data centres.

The whole cryptocoin production process is carried out in the cloud, which makes cloud mining very useful for those who do not understand all the technical aspects of the process and do not want to run their own software or hardware. If electricity is costly where you live – for example in Germany – then, outsource the mining process in a country where electricity is cheaper, such as the US.

Types of Bitcoin cloud mining:

There are currently three ways to conduct mining in the cloud:

1. Leased mining. Lease of a mining machine hosted by the supplier.

2. Virtually Hosted Mining. Creating a virtual private server and installing your mining software.

3. Renting hash power. Renting a certain amount of hash power, without having a dedicated physical or virtual equipment. (This is by far the most popular method of cloud mining).

What are the advantages of Bitcoin cloud mining?

– Not dealing with the excess heat generated by the machines.

– Avoiding the constant buzz of the fans.

– Not having to pay electricity.

– Not selling your mining equipment when it is no longer profitable.

– No ventilation issues with the equipment, which is usually heated a lot.

– Avoiding possible delays in the delivery of hardware.

What are the disadvantages of Bitcoin cloud mining?

– The possibility of fraud,

– Operations with bitcoins can not be verified

– Unless you like to build your own Bitcoin hash systems, it might be boring.

– Lower profits – Bitcoin cloud mining services carry expenses.

– Bitcoin mining contracts may allow cessation of operations or payments if the Bitcoin price is too low.

– Not being able to change mining software.

Risk of mining in the cloud:

The risk of fraud and mismanagement is prevalent in the world of cloud mining. Investors should only invest if they are comfortable with these risks – as they say, “never invest more than what you are willing to lose.” Research social networks, talk to old clients and ask all the questions you consider appropriate before investing.

Is cloud mining profitable?

The answer to this question depends on some factors that affect the profitability of investments. Cost is the most obvious factor. The service charge covers the cost of electricity, accommodation and hardware. On the other hand, the reputation and reliability of the company is a determining factor due to the prevalence of scams and bankruptcies.

Finally, profitability depends on factors that no company can predict or control: just remember the high volatility of Bitcoin in the last three years. When you buy a mining contract, it is better to assume a constant price for Bitcoin, since your other alternative is to buy bitcoins and wait for the price to rise. Another important factor is the capacity of the entire network, which depends on the number of operations per second. Over the past few years, power has increased exponentially. Its growth will continue to rely on the value of Bitcoin and innovation in the development of integrated circuits for particular applications.

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Investing Mining Stocks and Warrants

The Canadian Dollar is now one of the strongest currencies in the world and there have been many forecasts of parity with the U.S. Dollar and as of today, the Loonie is trading at 90.35 as we write this article.

The first and second charts below shows the strength of the Loonie over the last year and the third chart is of the XAU Gold Index. Observe the long term trends in all of the charts.

For investors around the world how can you best position yourselves to benefit from the rising value of the Canadian Dollar?

If you are like many of us, you are currently participating in the bull market in the commodities sector, specifically, in the precious metals, i.e., gold, silver, copper, zinc, etc. If you are not on board this rally perhaps we can enlighten you to some different ways to benefit not only from the Canadian Dollar but also from your investments.

When an investor purchases shares in the Canadian mining companies you are in essence invested in the Canadian Dollar. With the Canadian dollar increasing relative to your country’s currency, your investment is increasing. As the value of your Canadian investments increases, you win again. Thus, you gain from the increasing in the currency as well as the increase in your investments in the mining shares or perhaps, long-term warrants on the mining shares.

The point is, currently investors are experiencing the best of both worlds and we would expect this trend to continue with normal corrections along the way for at least several more years.

We, as investors ourselves, prefer to defer to the experts, Jim Dines, Doug Casey, Pam & Mary Ann Aden, James Turk and others as to the continued direction and strength of the current bull market.

Perhaps you are a conservative investor and neither you nor your investment advisor are currently aware of the bull market in the commodity sector. We believe that soon, within the next few months or within the year, you, yes, you will be investing in this sector, so the choice is yours, now or later.

Investors have many wonderful opportunities for investments from the gold and silver bullion, ETF’s of gold and silver, mutual funds, mining shares and for those investors looking for additional leverage, long-term warrants on mining shares, some of which do not expire until 2011.

As the experts mentioned above believe, this bull market has strong legs and many years to run, we accordingly suggest investors position themselves and not to worry about the day to day fluctuations of the market.

The important thing for all investors is to recognize the big picture, take a position and enjoy what may be the ride of our lifetime.

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What Is A Cryptocurrency And Bitcoin?

The Web is part of society and is shaped by society. And until society is a crime-free zone, the Web won’t be a crime-free zone.

So what is a cryptocurrency? A cryptocurrency is a decentralised payment system, which basically lets people send currency to each other over the web without the need for a trusted third party such as a bank or financial institution. The transactions are cheap, and in many cases, they’re free. And also, the payments are pseudo anonymous as well.

As well as that, the main feature is that it’s totally decentralised, which means that there’s no single central point of authority or anything like that. The implications of this is done by everyone having a full copy of all the transactions that have ever happened with Bitcoin. This creates an incredibly resilient network, which means that no one can change or reverse or police any of the transactions.

The high level of anonymity in there means that it’s very hard to trace transactions. It’s not totally impossible, but it’s impractical in most cases. So crime with cryptocurrency– because you’ve got fast, borderless transactions, and you’ve got a high level of anonymity, it in theory creates a system that is ripe for exploitation. So in most cases when it’s a crime online with online payment systems, then they tend to go to the authorities and, say, we can hand over this payment information or we can stop these transactions and reverse them. And none of that can happen with Bitcoin, so it makes it ripe for criminals, in theory.

In light of this, a lot of different agencies are researching into Bitcoin and looking at Bitcoin and trying to understand how it works and what they can do to police it. It’s also been in the media quite a few times, and the media, being the media, like focus on the bad side of it. So they focus very heavily on the crime with it. So if there’s a theft or a scam or something like that, then they tend to blame it on Bitcoin and Bitcoin users.

So the most notable is probably Silk Road, which got taken down recently, and through their $1.2 billion worth of Bitcoins, went to pay for anything from drugs to guns to hit men to those sorts of things. And the media, again, very quickly to blame this on Bitcoins and say that it was the Bitcoin user’s fault.

But there’s actually very little evidence of the scale of the problem of crime with cryptocurrencies. We don’t know if there’s a lot or we don’t know if there’s a little. But despite this, people are very quick to brand it as a criminal thing, and they forget the legitimate uses, such as the fast and quick payment.

So a few research questions I’m looking at in this area is what does crime with Bitcoin look like? So a lot of people will say that scams and thefts have been going on for ages. But the means through which they happen changes with the technology. So a Victorian street swindler would practically be doing something very different to a 419 Nigerian prince scammer.

So the next question that I’d like to research as well is looking at the scale of the problem of crime with cryptocurrency. So by generating a log of known scams and thefts and things like that, we can then cross reference that with the public transaction log of all transactions and see just how much of the transactions are actually illegal and criminal. So my final question would be, to what extent does the technology itself actually facilitate crime? By looking back at the crime logs, we can see which particular sorts of crime happen, and if it is actually the technology’s fault, or is this just the same old crimes that we’ve been looking at before. And once we’ve consider these things, we can start to think about possible solutions to the issue of crime with Bitcoin.

And we can consider that the only suitable solution would be one that preserves the underlying values of the technology itself, which would be privacy and decentralisation. A lot of focus from the media is to look at the criminal aspects of it. And they don’t give enough value to the legitimate uses, because Bitcoin is a technology that enables fast, quick payments, which is useful to anyone that’s ever paid for anything on the web.

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Dress Hangers – A Wise Investment For Every Wardrobe

Hangers were invented in the early 1900s, when Albert J. Parkhouse twisted a wire to use for hanging coats. A century later, shoppers can find a plethora of hanger types, including dress hangers.

More than a handy tool for holding clothes while in storage, a dress hanger is also an accessory that helps an item of clothing maintain its form. This is especially true for dresses, which require additional support to keep the garment in shape.

Options for dress hanger selections include the wood, metal or acrylic varieties, which offer a distinct look as well as strength. The wooden type appears classy and natural, with colors that range from taupe to chestnut and to dark brown. Metals are known for their remarkable durability, but select makers of plastic hangers have become popular in recent years for developing a sturdier – even touted as 'unbreakable' – line.

For that extra touch of fabric care, shoppers can also opt for dress hangers that come with fabric padding made of velvet, linen or satin finish. This type is perfect for dresses that are crafted using lace, silk, taffeta and similar fabrics that can be sentenced to damage. Clips, stay-on details and drop and bar attachments may likewise be added to address particular clothing display needs.

Investing in good hangers is a wise decision not just for women with an extensive wardrobe, but also for clothing store owners that need reliable garment storage and display accessories. A hanger can even serve to market a company's brand, through the artful use of logos that are etched, printed or embossed onto its surface. High-quality dress hangers can contribute to the creation of a shopper-friendly vibe in stores, and even make the merchandise become even more appealing.

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Different Methods of Mining Coal

Different methods of coal mining are adapted to dig out the natural coal from the earth. Among them, Surface mining method is applied for producing coal of about nearly 40% in the world. The coal deposits are found on the surface of the earth and make the mining easier for the coal-miners. The various types of coal mining are contour, mountaintop removal and strip mining.

Strip mining is adopted in areas, which has leveled landscape. The surface coal is exposed when the earth covering them is removed in strips. When the whole earth concealing is removed from the surface the coal that lay beneath is exposed. They appear in blocks and are usually extracted either by drilling or blasting. Once the strip is free of coal or goes empty, the strip mining process is continued with the next strip that lay adjacent to the former.

The contour mining is used to remove coal from the layer following the contours found along the ridges of a hill or landscape. The commonly used places for this type of mining are areas with rolling to steep terrain. This method may create landslides and erosion troubles. Using the freshly cut overburden to refill the mined areas rectifies these problems. Strip mining has its own limitations and when the process of strip mining reaches a specific stripping ratio, it may not yield you profit when continued.

Mountaintop removal coal mining can be understood by its name. Removing the mountaintops exposes the coal. This method also involves disposing of mining overburden that is associated with mountaintops removal in nearby valleys. This method is a combination of area and contour strip mining methods. This process creates adverse changes in the topography like creating head of hollow hills and filling valleys with mining wastes.

Latest open cast methods can reveal higher proportion of coal deposit than the underground mining methods.

Deep mining or underground mining is applied to dug out coal that lay underneath the surface of the earth. The primary underground mining ways are Continuous, Longwall, Shortwall, Retreat and Blast Mining.

Longwall mining method is adopted for about 50% of underground mining. This method involves a complex machine with a revolving drum that sways mechanically back and forth across the coal deposit. This method yields high production and ensures safety. This method has sensors that can detect the quantity of remaining coal in the seam and robotic controls contribute to the efficiency of the process.

Continuous mining method is applied for about 45% in underground coal mining. The machine used in this method has a huge revolving steel drum that is facilitated with tungsten carbide teeth to extract the coal from the seam.

Blast mining occupies less than 5% of the whole underground mining in USA. Explosives are used to break the coal seam in this method. The extracted coal is collected and transported to the central area using conveyors or shuttle cars.

Shortwall mining covers 1% and the method is somewhat similar to longwall mining. Retreat mining method employs pillar or coal ribs to support the roof of the mine. This is the most dangerous method as it involves risk of falling roofs that might trap or crush the workers in the mine.

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How Bitcoin Will Promote Latin American Growth

There has been much ado concerning Bitcoin and how authorities and businesses in China and the United States have reacted to it, but possibly more intriguing possibilities may lie ahead for this currency and other cryptocurrencies. The Wall Street Journal ran a piece a week ago about the obvious divide that exists in Latin America. The Atlantic facing countries have more command oriented economies while the Pacific facing countries, with the exception of Ecuador and Nicaragua, have more market-oriented economies. Latin America has become a continent of focus on a global scale with stifled European growth and an Asia-Pacific region that has already been welcomed into the global economic conversation. Alternative currencies will make their mark on Latin America and it will affect both sides in a different fashion. In the end, Bitcoin and Latin American Growth will go together as they both are in spotlight at the same time and cryptocurrencies (including Bitcoin) will afford Latin American businesses and entrepreneurs the opportunity to operate on a level playing field with the rest of the globe.

Notable State Oriented Economies of Latin America

  • Ecuador
  • Bolivia
  • Cuba
  • Brazil
  • Argentina
  • Nicaragua
  • Venezuela

These countries have economies that are more beholden to national interests. The most extreme state run economy on this list is Cuba, which has a Communist regime that has made slight concessions to economic liberalization. Venezuela has arguably the second most extreme state run economy and is in the midst of a socioeconomic and political crisis. Argentina has had its fair share of instability and command-oriented economic events courtesy of President Cristina Fernandez de Kirchner including price controls, drama concerning possession of the Falkland Islands, inflation of 26%, police strikes, and the nationalization of YPF just to name a few measures. Brazil is always feared to resort to its old ways and currently there is still a great deal of red tape and taxation is comparatively higher than peers.

Notable Market-Oriented Economies of Latin America

  • Mexico
  • Colombia
  • Panama
  • Chile
  • Peru
  • Belize

Mexico’s efforts to attract and grow business is not just limited to Mexico City, but Guadalajara has been emphasized as a growth destination in the digital and tech space much like the way Bogota is the established economic powerhouse city in Colombia and Medellin has broken out a youthful, digital force. Mexico is currently the 14th largest economy and growing. Mexico is still plagued by the drug cartels as demand for drugs across the northern border still exists. Ciudad Juarez is plagued by cartel-induced violence, which is considered so bad that the Sun Bowl strongly discouraged visitors from traveling across the border as the college bowl game was an opportunity to promote both El Paso, Texas and Ciudad Juarez for tourism and business.

Colombia still is combatting FARC, but it is clearly winning the battle after President Uribe’s term. FARC has been more limited to the jungle areas of Colombia. Active peace talks with FARC are also being negotiated to an extent. The Colombian economy has much room to grow in terms of agriculture, energy, finance, tourism, and digital technology.

Belize is actively courting Americans to purchase real estate in the country marketing their pristine beaches, tax policies, and English fluency. Belize has a lot more growing to do and it has to shake stigmas.

Chile is considered by the Heritage Foundation to be #1 in economic freedom in Latin America. Chile enjoys a trade surplus, a central bank policy rate of 4.5% that would be attractive to investors outside of Chile. Trading the Chilean Peso may be a worthy endeavor for those wishing to take advantage of the carry trade against countries/economic zones that have extremely low interest rates such as the United States, European Union, and Japan. Chile has low inflation and has policies that benefit not just copper exports, but other exports to help maintain the surplus. Morgan Stanley expects Chile, Peru, Colombia, and Mexico to grow on average 4.25% in 2014.

These countries are not facing looting outbreaks, fights over toilet paper, nor do they have leaders that are trying to escalate action against another country.

Bitcoin’s Impact on State-Oriented Economies

In all of these state-oriented economies, there are currency controls. Venezuela and Argentina are infamous for their price controls. Brazil’s government influence in the economy stems from their excessive influence, possible corruption issues, and inflationary concerns. Entrepreneurs, investors, and ordinary individuals will be looking to the marketplace to meet their needs. Rationing, red tape, high costs, and possible surveillance are associated with these state-oriented economies. Bitcoin and cryptocurrencies will meet the needs of many that have access to the internet.

Competing globally in countries that wish to be more insular comes with negative ramifications, but the usage of the internet and the ability to transact in a possibly untraced fashion in a global marketplace will enable competitive pricing for citizens to receive the goods and services needed. Venezuelans will be able to buy toilet paper from foreign sources without having to use a currency that is being grossly debased. Venezuelans will also have the opportunity to engage in entrepreneurship while still in Venezuela to fund their endeavors and possible defection to other countries such as Colombia. Over 26% of Venezuelans use the internet on a daily basis. Venezuela has not filtered the internet just yet and purchasing Bitcoin is far more secure than holding onto Bolivar.

Bitcoin usage could take the government’s tight grip on the economy away by rendering its presence useless by adopting the private currency. Less tax revenues can be collected, a populace that is armed financially and possibly literally (you could have bought anything on Silk Road), and decreased influence from political leaders and enforcers as cryptocurrency usage becomes viral. This thought process can be applied to Venezuela-lite in Argentina, which is an economy with a lot of potential.

The Brazilian economy could grow further by giving businesses more exposure overseas and overcoming the exotic sovereign currency issue. The World Cup in 2014 and Olympics in 2016 will put much pressure on the Brazilian economy to grow and keep up appearances. Lower transaction costs, currency familiarity, and nationality ambivalence with Bitcoin customers will help Brazilian firms seeking to do business outside of Brazil. With a large influx of tourists and business-people coming to Rio de Janeiro and São Paulo, the acceptance of Bitcoin and other cryptocurrencies will remove the barriers of having to convert currencies and engage in secure purchases. Brazil may be a more command-oriented economy like Argentina, but global expectations and aspirations should push them away from past tendencies.

For the state-oriented economies, Bitcoin and its competitors offer greater freedom, monetary security, entrepreneurship opportunities, transaction security, and privacy. In the case of Venezuela, it could spark a change in governance much like the way social media was credited for bringing in the Arab Spring to life. Much of the problems surrounding Venezuela are economic in nature and the black market is a natural alternative. Prevention of seizure of assets by keeping them in a digital wallet in the cloud is far more secure than keeping funds in a bank regulated by the Venezuelan government.

Bitcoin’s Role in Economic Growth for the Pacific Countries

Entrepreneurship as described in the previous section is on a smaller level than what may be in Colombia, Mexico, Chile, and Peru. Colombia and Mexico have cities that have hopes to global players in the digital space. Attracting business from Europe, Canada, and the United States would be easier with lower exchange and transaction fees. Credit cards and PayPal place transaction fees on users wishing to make international transactions and this fee would be reduced.

Latin American outsourcing can experience growth as call centers, development and design firms, and independent contractors are able to not only competitively bid as they do now, but they would be able to accept Bitcoin and other cryptocurrencies and this will drive in more business. It is not a fad, it is a matter of making an easier and cheaper transaction. Less barriers to making the purchase will make the sale and it will help Latin American businesses be able to be global, which can lead to Venture Capital growth.

Bitcoin will lead to greater international business transactions for Latin America and enable economic growth. The benefits are different for these countries as the need for stability is not pressing, but rather these countries have an insatiable appetite for growth. Entrepreneurship, competing globally, lower transaction fees, transactional security, competitive biddng, improved economic development, and changing perceptions are all benefits of adopting cryptocurrencies in these countries. A startup in Medellin or Cartagena can compete with a firm in Toronto and another firm in Indianapolis for a services contract. Removing the barriers of nationality from the transaction to focus solely on the services provided and costs involved are a major benefit.

Consumers win too in these countries as they would gain purchasing power because some items are more expensive in their domestic markets than foreign markets. Ex-pats and immigrants can send money to family members in their native country in a simple, inexpensive, quick, and secure fashion. This can help boost local economies.

Bitcoin and other cryptocurrencies help make the world a smaller place just like the way air travel, the internet, telecommunications, and social media have done. Cryptocurrencies promote globalization and Bitcoin will help provide that opportunity to Latin America, which is eager to compete and grow in the global marketplace.

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How To Choose A Home Loan

Finding the best loan means that you will have to look and see which one best fits your particular situation. Since people have different ideas about buying a home, you will need to look around and find one based on your needs. Here are some different home loan types to help give you an idea of ​​what is available.

Probably before you do anything else, it would be a real good idea to sit down and figure out just what you want to do about your house. Do you intend to stay there the rest of your life, just a few years, or perhaps as many as 15? After that, then what are your goals relating a house? If you are planning on selling and buying another one, will you want a larger one or a smaller house? Also, try to get an idea where you reasonably will be financially at that time. Each of these aspects will help you to plan more accurately and help you determine what kind of mortgage you need.

All home loans will fall into one of two categories. It is either a fixed rate mortgage or an adjustable rate mortgage. Fixed rate mortgages (FRM) means that your payments and interest stay the same without any changes. The adjustable rate mortgage (ARM), on the other hand, will have a fixed rate for part of its term, and then will go to an interest rate that changes either monthly or annually. This also means that your payment changes, too, with the current national rates.

Short Term Plans

If you have short plans for buying and selling your new home, then there are some home loans that will be better for you than others. A balloon mortgage gives you the advantage of low payments because, while it is based on 30 years, it will become due after 5, 7, or 15 years. Being that an ARM changes with the market, it will be lower than an FRM, and should be rather stable for the short term. The balloon payment will be due at the end of the year you choose, but you can sell it before that time comes. If you change your mind about selling it though, then you will have to refinance it at whatever the current interest rate is at the time.

Long Term Plans

Buying a house for the long term means that you want the best program for that, as well. Many people got ARM's so that they could buy a larger house, but then they take the risk that the rates will not rise too high after the adjustable rate portion kicks into operation – or else they plan on refinancing. You should determine whether or not to use an ARM if the current interest rates appear to be somewhat stable. Of course, there are no guarantees, but an FRM will definitely provide a hedge against it.

In the long haul, though, you can always refinance – no matter what you have. Costs will need to be considered before you do, and it will be easier to sell if you allow equity to be built up in the house (avoid creating negative equity). Home loans need to be researched carefully to find the best deal. Also watch out for early payout penalties, which actually penalize you for being thrifty enough to pay it off early.

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