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Andrew Shader Explains When and Why Mortgage Rates Will Fall

Travon Marner
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Andrew Shader Explains When and Why Mortgage Rates Will Fall

During the pandemic, home demand spiked, and inventory plummeted, which made for a red-hot seller’s market. However, the housing market has been cooling down, and inventory has been steadily rising again due to long-term active listings, according to Andrew Shader.

Inflation is rarely a good outcome for anyone, but one particularly unfavorable result of current rising inflation rates is the concurrent increase in mortgage rates. In fact, this increase in mortgage rates has worked alongside rising numbers of available homes on the market to swing trends more favorably toward the buyer than the seller.

Inflation Never Helps Rates of Long-Term Interest

Thanks to increasing inflation rates, 30-year fixed mortgages have doubled since this time last year, which has temporarily edged many potential home buyers out of the market altogether. During November of 2022, the average home financing rate briefly increased to more than 7% before dropping back to its previous range in high 6%.

The fact is, as long as inflation rates rise, so will mortgage rates. Unfortunately, the two are closely linked. However, all hope isn’t lost; according to indications over the past several weeks, as 2022 comes to a close, the inflation rate that has been on a steady incline may finally be trending more toward a decline.

This reversal means that real estate professionals and economists alike are cautiously optimistic about seeing decreases in mortgage rates over the next several months.

The effects that increased inflation can have on different aspects of the economy, including the housing market, can take time to even out again after inflation rates start to dip.

While mortgage rates will still likely be higher than average during the first part of 2023, trends are showing that these rates will come down eventually as long as inflation declines remain constant.

What Does the Future of Mortgage Rates Look Like?

Mortgage rates affect everyone involved in the real estate market. High mortgage rates may make buyers reconsider and wait until they can secure a better monthly cost, which means that sellers will have a more difficult time finding a buyer for the right price during a period like this.

This effect means that low mortgage rates are ideal all around. They make buying easier for those looking to acquire a home, and they make finding the right buyer easier for sellers. Though mortgage rates are still significantly high, thanks to inflation and other factors, they won’t be this high forever.

Swings in both directions are to be expected within the housing market, but the unprecedented effects of the pandemic are still playing themselves out within real estate as well as the economy as a whole. Over time, inflation will continue to decrease, and so will mortgage rates.

Who Is Andrew Shader?

As a professional in the real estate community, Andrew Shader has extensive experience delivering optimal outcomes for everyone he works with. He makes it his goal to significantly increase property values for each client.

Fitness Expert and T3 Body Founder JC White on the 5 Best Ways to Stick to Your Fitness Resolution for 2023

Maria Hunter
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Fitness Expert and T3 Body Founder JC White on the 5 Best Ways to Stick to Your Fitness Resolution for 2023

Aiming for that ideal beach body, the ability to run a 10k, or the flexibility to do all those mobility challenges trending on TikTok are among the most popular fitness-related resolutions for 2023.

However, we all know that it’s much easier to make the resolution at midnight on New Year’s Eve than to stick with it throughout the year. We often get derailed by work, family commitments, or our own inner saboteur, who tells us that it’s far better to relax on the couch than slog to the gym on a grim winter evening.

JC White, Founder & CEO of T3 Body, has been training everyone from fitness newbies to professional athletes to stick to their fitness goals for years. He focuses on helping successful men get fit using proven scientific coaching and consulting. The former professional bodybuilder and Men’s Fitness cover athlete has won awards for his personalized training programs that can help any man reach their fitness goals and finally tackle that healthy resolution.

“It’s well known that getting and staying fit is hard. There’s just so much noise about the best ways to be fit. But how do you know what will work best for your particular body, goals, and lifestyle?” White asked. “Well, that’s why I came up with a system of bloodwork, biomechanics, and biofeedback to identify what you need to do.”

The fitness expert defines ‘fit’ as body fat below 15 percent, strength, stamina, endurance, high libido, focus, and drive. Clients can expect full blood work at the beginning when they work with him. But this is far different than what happens at your doctor’s office, since White compares the results to the world’s elite athletes, not other people suffering from illness.

Here, he shares five tips to help you to stick with any health and fitness goal in 2023.

Set a Goal

There’s so little possibility of achieving your dreams if you don’t set goals. How will you even know if you are achieving it or falling short without a concrete goal? Setting an end goal — such as 12 percent body fat, for example, is terrific and concrete enough to help you make tangible steps toward it.

Another important piece of the puzzle is setting smaller goals along the way to keep yourself motivated and inspired. You can even reward yourself with a new piece of equipment or great pair of workout shoes once you reach your smaller benchmarks.

“You need to fully determine and detail your goals to succeed. I sit down with each coaching client in the beginning and have them drill down until we get to what they really mean by ‘fit’ or ‘healthy,’” explained White. “You can start with phrases such as ‘fat loss,’ ‘muscle gain,’ or ‘improved weight lifting,’ but try to get more specific, such as ‘be able to safely and regularly squat 200 pounds by the end of 2023.’”

Find a Purpose

For this to work and become a lifestyle, not just a crash fitness program, you must have a purpose beyond simply looking good. A deeper motivation is needed to sustain you for the long term.

“Ask yourself why you want this — and be honest!” said White. “Why are you prioritizing your health and fitness this year? If you can identify a deep-rooted and emotional reason behind what you are doing, you’ll be far more likely to meet the goals that you set for yourself.”

Make a Game Plan

There is an old adage that says, ‘people don’t plan to fail, they simply fail to plan.’ There’s nowhere that this is more true than in training and fitness. You need a detailed plan for the days when your son gets sick at school, you have a late-night client call, or your entire office decides to order Chinese food for lunch.

“Be very detailed in your game plan. Don’t leave too many things to chance. Know exactly how many calories to eat per day and what you are actually going to do during your roadmap,” said White. “If you were going to drive from Los Angeles to New York City, you would use GPS to ensure a successful trip, right? So, give yourself a roadmap to achieving your fitness goals like you would map out a trip.”

Set Your Priorities

White knows that we can’t all be fitness saints all the time. There are nights out, parties, and a whole world you can — and should — enjoy. To him, it all comes down to your priorities and being extremely honest with yourself.

“What are you willing to sacrifice, and what’s off the table? If you love eating and drinking out with friends and family, and giving that up will make you miserable — and in danger of cheating — then don’t give it up,” shared White. “Instead, keep your nights out and shift your goal from losing 20 pounds in 12 weeks to 20 pounds in 16 weeks. It’s a marathon, not a sprint!”

Consistency is Key

Creating good habits you can stick to for a lifetime is far more important than doing it all perfectly. There will be bad days, but the winners get back on track the next morning.

“Be hyper-focused on consistency and progression over perfection. You aren’t going to be perfect every single day. Even professional athletes have off days. Create a realistic training schedule and stick to it. That way, once it’s integrated into your routine, it becomes second nature over time,” he said.

Following this sampling of tips and expert advice from the T3 Founder, you can expect to start feeling healthier, looking better, and meeting those treasured fitness resolutions.

About JC White

JC White is the Founder & CEO of T3 Body, an online, science-backed fitness coaching and consulting company to help entrepreneurs become the best versions of themselves. The former professional bodybuilder is a two-time Powerlifting California State Championship participant, and award-winning Men’s Fitness cover athlete. For more information about how he helps clients develop tailored and personalized lifestyle programs, please visit www.t3bodytraining.com

MERCO Bank’s Philanthropic projects and Charitable Giving is Innovating Fintech

Rachel Knox
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MERCO Bank’s Philanthropic projects and Charitable Giving is Innovating Fintech

In today’s digital world, banks and financial institutions have the power to increase customer satisfaction and retention via their online platform – by improving the experience of completing everyday transactions and by providing additional innovative services. Customer expectations and competition are high, and the financial industry is regularly disrupted by outstanding sensations like MERCO bank which aside being one of the leading and top Digital banks  worldwide, it also has a good service rating for their customers. Combining philanthropy, volunteerism, advocacy, and collaboration with other businesses and community partners, MERCO Bank invests in communities where they thrive with the singular aim of helping the neighbourhood prosper.

MERCO Bank has a long-standing tradition of serving the communities in which it operates. They are committed to supporting organisations that provide innovative services to the residents and communities throughout their market area. As stated in their Guiding Principles, their goal is to be actively involved in communities and do their part to enhance and improve the quality of life for customers and employees. Their commitment builds beyond philanthropy. They use their voice to advocate for systemic change that advances equity in the communities they serve. Now, as one of the largest global investment banks, they have the resources to help in new ways, while continuing the support they have always shared with communities at the grassroots level in thousands of grants each year. And with greater resources, they are building on the key areas from the grassroot support to address the most challenging and pressing issues of our time, particularly around digital economic inclusion and mobility.

They do this because it is both the right and the smart thing to do, firm in the belief that the combination of philanthropy, volunteerism, advocacy and collaborations with community partners is the best way they can support customers.

By building ‘feel-good’ solutions into a place they’re already active, customers will not only remain loyal but also develop or retain a positive perception, sentiment, and affinity towards the bank. Banks looking to innovate in step with new-entry fintech startup disruptors while also answering consumers’ needs are provided with an opportunity to help grow the world’s heart. Blending modern-day solutions that encourage social purpose and philanthropy with digital banking models is attainable and feeds customer engagement and loyalty.

Banks and financial institutions can now follow up to integrate online charitable giving solutions into their online applications, creating a seamless banking and giving experience.

Innovative platforms like MERCO enhance consumers’ banking experience by not only empowering them to give back to their preferred charities or nonprofits within their online banking environment, but also providing those donors with transparency as to when and where their charitable dollars are going. We are now seeing more brands taking part in the ‘give back’ movement by partnering with a variety of nonprofits, in turn enabling consumers to feel that they’re making a difference. Fostering a culture of belonging and celebrating differences

Through clients’ donations, the bank supports the ongoing programming and events of hundreds of nonprofit organisations, providing more than $5 million each year. They listen to the lived experiences of community members, enriching our understanding of the issues being faced and partnering with local organisations beyond financial support.

They collaborate with partners in the nonprofit community, other companies and the public sector to achieve a future where social and economic structures no longer predict economic outcomes. They recognize the systems that influence our communities and invest for a deeper impact around economic inclusion and mobility.

Perks about MERCO

  • It is a digital bank that not only helps people earn but also improves their lifestyle.
  • The bank has designated account types that you can choose from, both for institutional and individual clients.
  • You can access zero collateral crypto loans for your business through decentralised finance.
  • Easily accessible from across the globe.
  • Top level account security. Fraud and hack proof services.
  • The important thing you should keep in mind again is that the bank has maximum security to protect your assets under their care
  • They equally have insurance up to $500 million just in case of any unforeseen issues, so you’re 100% protected.

Philanthropic Project and Plausible Causes

Of course, banks cannot be expected to maintain close partnerships with large numbers of charities. However, they can collaborate with charity aggregators that link directly to thousands of charities worldwide. Bank customers could simply search for their preferred charity or receive suggested charities based on search criteria. Then, they simply click a button and their donation is made without inputting unnecessary information or exposing themselves to additional risk.

1. Corporate and Social Responsibility

The MERCO Bank actively offers assistance whenever it is appropriate to do so due to a deeply ingrained sense of obligation that it should do so.

Some of the projects they have done over the years are;

  • MERCO donates generously in the face of the Covid-19 problem: In support of the World Health Organization’s efforts to combat the Covid-19 pandemic, MERCO, which has always been dedicated to social responsibility, gave a large donation. The WHO is directing and coordinating the international effort, assisting nations to prevent, detect, and respond to the pandemic. The WHO works internationally to promote health, keep the world safe, and assist the vulnerable.
  • Australia’s busmercoire situation catches MERCO Tribe’s attention: The MERCO Tribe has donated to the New South Wales Rural Fire Service, which will directly assist volunteers fighting fires on the front lines, in support of those granting extraordinary powers and additional resources to combat the Australia busmercoires and aid people in recovering from their terrible losses.
  • Donation to put out Amazon rainforest fires: The MERCO Tribe has donated to The Rainforest Alliance, a global non-profit organisation seeking to make ethical business the new norm, in support of the indigenous efforts made to put out fires in the Amazon rainforest, known as the “lungs of the Earth” for its role in preserving the environment.
  • Local Community Support:The MERCO Markets crew cheered up some children and gave them the finest assistance possible as they celebrated the 2020 holiday season. Several humanitarian causes and hospital centers received gifts and toys. These included the Larnaca District Volunteerism Coordinating Council, the Aradippou Mental Health Support Association, the Convent of Sisters of St. Joseph of the Apparition, and the children’s ward of the Larnaca General Hospital.
  • Support to Sophia Foundation: MERCO Markets made a sizable donation to the Sophia Foundation for Children during a fundraising event and gala dinner hosted at the Presidential Palace in Nicosia as part of its commitment to social responsibility and assisting charity causes. The Foundation was started in 2008 by volunteers from Cyprus with the intention of assisting in the battle against poverty. It has concentrated on enhancing children’s health, education, and nutrition in Kenya. The Makarios Children’s Home for orphans, which aids in breaking the cycle of poverty for some of the poorest children, is administered by the Sophia Foundation with the help of sponsorship funds.
  • Support to SoS Children Village: SOS Children’s Villages is a private, non-profit organization that was established in 1949 with the mission statement that “every child has the right to belong to a family and grow in love, respect, and security.” In 135 nations, including Mauritius, where MERCO has a significant presence, the organization offers disadvantaged children long-term care, education, and health services. As part of its dedication to supporting deserving initiatives that have an impact on local communities, MERCO donated a charitable donation to the SOS Children’s Villages branch in Mauritius and continues to do so.
  • Provides Support For Rotary Club: Its astounding 1.2 million members work tirelessly to fight hunger, provide clean water, end polio, improve health and sanitation, and even support education and job training. The organization has more than 34,000 clubs worldwide. For such a prestigious corporation, it was an obvious decision for MERCO Markets to donate money to support the less fortunate in the neighborhood of Larnaca, Cyprus, where the offices of MERCO Markets Europe Ltd are situated.

2. Business Recovery

Because a lot of businesses were affected and many had not been able to stand strong again, the company is using Business recovery style to support the small businesses.

When the company made their opening speech about the program they said “It’s acceptable to seek assistance. It may be the wisest business move you’ve ever made. Speak with a banker to learn how you might be able to reduce the monthly payments on your line of credit or business loan”.

3. Financial Support

These are difficult times, particularly for business owners. The organization can assist if your company is facing financial difficulties as a result of COVID-19 by offering payment relief for business loans and lines of credit.

Conclusion

Recognizing that we are only as strong as the communities we serve is central to our purpose to help people prosper. The needs challenging our communities require us to be both practical in our giving and tireless in our quest for impact.

The mission is to embed diversity, equity and inclusion to all aspects of our business.  This work is not only important to how we do business but it’s a vital part of who we are. From our local communities and partnerships to the experiences of our clients and employees, we are committed to making sure that each person feels valued and respected.

Truth Coach Randy G. Howell Jr. Reveals The Secrets to Achieving Your Goals in 2023

Esperanza Squire
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Truth Coach Randy G. Howell Jr. Reveals The Secrets to Achieving Your Goals in 2023

There are few people in the world that don’t find goal-setting intimidating. There’s so much to think about. Are you setting your sights too high or too low? What if you don’t achieve what you set out to do? What if you are missing the resources or guidance that you need? These are just a few ways that setting goals can be scary — even professional coaches know how hard this aspect of self-improvement can be.

This is a popular topic near the new year, when many of us make resolutions to eat better, work harder, waste less time, and save more money. Engaging an empathetic and inspiring coach can make all the difference if you are someone that stands in your own way regarding progress.

Truth Coach Randy G. Howell Jr. has spent his career assisting others in reaching their most treasured goals and dreams through the power of truth. “In some ways, it doesn’t even matter what an individual’s goal is, we just need to make a master plan for how to reach it, step-by-step,” said Howell Jr.

He has explained truth coaching as a holistic approach to success that combines identifying issues, setting goals, creating plans, and transforming yourself. Howell Jr.’s past clients report that, after working with him, they are more self-empowered than ever before.

Fear of Success

The astute coach shared one reason we might fail at our goals and stand in our own way when it comes to reaching them. It’s that, deep down, we don’t want to change. “We’re comfortable in our misery because while in it, we don’t have to change,” explained Howell Jr. “Many people let themselves believe that fate throws things at you, and they use that as an excuse to ‘go with the flow.”

But, what’s more likely is that laziness and bad habits keep you from your goals. This behavior is unhealthy, and before we know it, we’ve let years pass us by without making any discernible progress toward the dreams that will make us most happy and proud. Howell Jr. helps his clients to see that, break patterns, and make an action plan.

His patients learn how to break through barriers, real or imagined, and succeed using the power of personal truth he teaches through online coaching sessions. Here, he shares his advice for reaching any goal in 2023.

Set Your Empowering Goal

The first piece of advice that the Truth Coach shared is about setting a goal and achieving realistic goals. He suggests setting something good for you and empowering enough to inspire you throughout the year, providing long-term vision and short-term motivation.

“Choose a goal within reach and find the courage to stand in your own truth to reach it. We live in a world where we worry about everything around us. That is where depression comes from because you haven’t activated the part of your brain that you prioritize yourself.”

While he knows all too well that self-improvement can easily take a back seat to your responsibilities to your children, work, and family but reminds you that you’re less likely to burn out if you are caring for yourself as well.

Set Mini Goals

Because we all have busy lives, Howell strongly advocates setting mini-goals along the way to your major empowering goal. Break your progress into smaller chunks that you can use as benchmarks to keep you motivated, happy, and on track.

We feel less overwhelmed and more likely to carry through to the end by taking small steps.

“Mini goals are exactly what they sound like — small, short-term, and achievable goals. Setting mini goals along the way makes it tremendously easier to achieve that big goal,” said the coach.

Make It Easy

One of Howell’s favorite pieces of advice is to stop making things harder for yourself than they have to be.

For example, if your goal is to create a personal website, but you are terrible at web design and you know it frustrates you endlessly, make things easier on yourself by hiring a junior or amateur developer on sites like Fiverr or Upwork. To come up with the money to pay them, take on a side gig at something you’re good at that won’t drive you crazy.

In this way, you can reach your goal without frustrating yourself.

Follow a Plan

To keep you on track, you must have a plan. Set monthly, weekly, or even daily goals that move you toward your dream and stick to them. It’s when people falter without a plan that they fall off track.

“Have structure, set a plan, put the plan in action, and be prepared for detours!” said Howell Jr. “As long as each circumstance is treated with the same openness and honesty by the client and the Truth Coach, then there is no limit to how far we can take them.”

No matter your goal for the coming year, these tips from the Truth Coach will help you reach them with the power of personal truth.

About Randy G. Howell Jr.

Randy G. Howell Jr. is a life coach, mentor and public speaker. He is the founder of the House of Howell and creator of the signature ‘S.I.M.S. Approach’, which helps individuals in their personal and professional lives, via exclusive online coaching and mentoring sessions. He is the author of the recently released book, Truth of the Matter. For more information about Coach Randy and his online coaching sessions, please visit www.truthcoachrandy.com

Sources of Funding for Small Businesses

Travon Marner
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Sources of Funding for Small Businesses

It is a no-brainer that starting and growing a small business requires access to funding. Even after investing your own money, there comes a time when you require additional finance. This is especially the case when you want to take your venture to the next level. That’s why most small business owners search for investors who are knowledgeable about the macro and micro economic factors in UK market. While this is meant to accelerate your growth, securing investors also provides a fresh perspective, allowing you to avoid common mistakes in startups. In this read, we are going to look at the top sources of funding for a small business.

  1. Family and Friends

Family and friends are often the first sources of funding for startups after personal investments have been exhausted. It can be a convenient option, as you don’t have to go through the lengthy processes often required by other investors. Additionally, you may be able to secure more upfront funding through an investment rather than a loan, and you won’t have to pay it back in installments.

However, it’s important to remember that, just like any other investors, your family and friends will only see their money again if your business is profitable. So be sure to present your business plan and pitch your concept as you would to any other investor, including explaining any risks involved. It’s also important to consider the potential consequences of mixing personal and business relationships and to be prepared for a worst-case scenario. Your family and friends cannot be replaced and so, even if they can be a valuable source of funding, there are other options available if this isn’t the right fit for your business.

  1. Small Business Grants

There are many state, federal, and nonprofit grants available in the United States that are specifically designed for entrepreneurs, online startups, and small businesses. The eligibility criteria for these grants can vary widely, and some may be open only to certain sectors or groups of people (such as veterans).

One of the benefits of small business grants is that they do not have to be repaid. However, it’s important to carefully review the eligibility criteria and ensure that you meet all of the requirements when applying for a grant.

To find small business grants, you can start by searching on the website of the Small Business Administration (SBA) and other resources such as Grants.gov and USGrants.org. Some grants may also provide additional resources and mentorship in addition to funding. It’s worth taking the time to research the various grant options available and see if any are a good fit for your business.

  1. Small Business Loans

If you need funding for your small business, a loan may be the best option. One place to start is your local bank. However, keep in mind that banks often require a track record of growth and will need detailed financial information before they consider any loan application.

Another option is to explore small business loans through the Small Business Administration (SBA). While the SBA doesn’t lend money directly, it has a lender match feature on its site that can help businesses find lending institutions that have been approved by the SBA. Some SBA loans are also guaranteed and offer favorable repayment terms and lower interest rates.

The main disadvantage of a business loan is that you’ll be required to pay it back in installments, with interest, regardless of how well your business is performing. It’s important to carefully consider the terms of any loan and make sure it’s a good fit for your business needs.

  1. Angel Investors

Angel funding is a type of investment that comes from wealthy people who are usually professional investors. They typically invest their money in early-stage businesses that they believe have growth potential, similar to asset value investors. Angel investors are looking for a good return on their investment and may be interested in businesses that they are personally passionate about.

If you are able to secure angel funding, you may be able to avoid the need for other investors and maintain a clearer equity split. However, it’s important to have a solid business plan and be prepared to relinquish some control, as angel investors may want to be involved in the day-to-day development of your business. Working with an angel investor can bring additional expertise and resources to your business, but it’s important to carefully consider the terms of the investment and whether it’s the right fit for your business.

Here are some resources to help you find an angel investor that best matches your venture:

  • Angel Capital Association
  • Pipeline Angels
  • Angel Investment Network

Know Your Strengths: LLL Event Furnishings & Rentals CEO Neil Mirchandani Has Tips for Finding Your Niche and Mastering It

Ian Feldman
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Know Your Strengths: LLL Event Furnishings & Rentals CEO Neil Mirchandani Has Tips for Finding Your Niche and Mastering It

No matter what your industry is, it’s a tough world out there. Competition is usually fierce, with more competitors and innovations to learn about every day. It can be hard to figure out what really sets you apart from the rest and what your unique offering to the world is.

When CEO Neil Mirchandani began DJing at events and renting equipment at the age of 15 — founding the business that would eventually become Atlanta-based LLL Event Furnishings & Rentals (LLL) — there wasn’t too much competition. Or, at least, little enough that his clients were coming to him to rent sofas, lighting, and other event equipment.

But, over the years, he had to fight to stay on top of the luxury event rental market. He did it, though. His business is a fast-paced go-to that employs 35 event specialists that work from a 70,000-square-foot warehouse that is chock-full of the gorgeous items that dress the sets of movies and TV series, the backdrops for celeb weddings and music videos, top-tier sporting events, and much more.

“There are niches in every market. You must observe what people want and how that matches your unique strengths. That’s how you master a market subsection and make your mark on it,” said Mirchandani.

Known as the ‘Hollywood of the South’s’ go-to event rental company, LLL’s revenue topped $11 million this year. Here are its founders’ best tips for finding your niche within your market and becoming the master of it.

Know Your Strength

“If you want to be successful in business, you have to do something better than anybody else is doing it,” advised Mirchandani.

For him, he realized that it was his ability to meet unusual demands and quick turnarounds without ever hitting the panic button. That’s how he became the man in Atlanta for big Hollywood project rentals.

“They ask for a lot, and I’m always crazy — and dedicated — enough to say yes! That’s my strength, and renting the highest quality items, of course,” he said.

When his company recently dressed the sets for the Netflix show Love is Blind, there were crazy hours and fast turnarounds needed. From creating custom items and fixing things that get broken during production, no two days are the same, and that’s where Mirchandani’s strength lies.

“Basically, everything has to be done overnight in this business,” he said. “It can make the wrong kind of personality stressed out and frantic, but I know that my team  and I thrive on the activity and energy needed for these projects.”

Study the Market

The founder suggests you study your competitors to determine where your niche may lie. “Look at your biggest competitors — both nationally and locally. What are they doing well? What can you learn from their styles, cultures, and innovations? And, on the flip side, what are they not doing well that you can improve on,” said the CEO.

One especially novel technique for getting close to the competition is to spend time in close contact with them by becoming an employee or a customer. At close range, you can learn more about their strengths, weaknesses, concerns, and triumphs. Everything you learn can then be applied to your business, deciding a niche, and then mastering it.

Find Informal Mentors

“Whoever you want to learn from, pick up the phone, call them, and ask your questions. The worst they can say is no,” shared Mirchandani.

He’s done this himself and knows of its efficacy firsthand. He once found the phone number for the CEO of a $300 million company — someone he was very impressed with — and asked if he’d talk on the phone and give him advice. Finding the positive attention flattering and enjoying a captive audience, the CEO said yes and gave him some priceless advice and insight.

That CEO, by the way, was in a completely unrelated industry to Mirchandani, which might be one of the reasons he was willing to speak candidly, knowing the young man on the phone was not a would-be competitor. “I try to surround myself with people who are more successful than me, and I learn from them, no matter what their fields are,” he said.

Using this wise advice from one of Atlanta’s best business people, locating your niche and moving toward its mastery just became that much easier.

About Neil Mirchandani

Neil Mirchandani is the founder and CEO of LLL Event Furnishings & Rentals, an Atlanta-based multi-million dollar event rental, furniture, drapery and dance floor provider. The company is the #1 furnishing provider for film sets, music videos, sporting, corporate and other events in Atlanta, Georgia. For more information about the Southeast’s largest selection of quality lounge furniture, fit for all social and corporate events, please visit: https://luxuryloungeatl.com/

According to the Chairman of the Supervisory Board of IBOX BANK Alona Shevtsova, the integration of the Ukrainian and European payment markets continues despite the war

Kieran Mcleod
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According to the Chairman of the Supervisory Board of IBOX BANK Alona Shevtsova, the integration of the Ukrainian and European payment markets continues despite the war

The integration of the Ukrainian and European payment markets continues despite the war in Ukraine. Recently, this opinion was expressed by the Chairman of the Supervisory Board of IBOX BANK Alona Shevtsova during a Public Talk with Andrius Bičeika at the UAFIN.TECH: Rebuilding the Future conference. Andrius Bičeika holds the position of Deputy CEO and the board member of Revolut Bank.

According to the Chairman of the Supervisory Board of IBOX BANK, the entire process is greatly facilitated by the Law of Ukraine “On Payment Services.” The most important task of the mentioned law is to support the process of the integration of the Ukrainian and European payment markets.

“It will help modernize the market and introduce innovations by bringing Ukrainian legislation closer to EU standards. This means that the basic requirements for the work of companies providing payment services have changed. Currently, all market participants have received expanded opportunities and conditions required for healthy competition. Ukrainians will be able to receive payment services not only from traditional banks, but also from financial organizations, as well as logistics companies, and mobile operators. In addition, while having their own networks, mobile operators across the country can become competitors of modern banks. The introduction of an open API that should start working next year can become a real revolution,” Alona Shevtsova says.

According to her, to introduce this law, the National Bank has revised and updated several regulatory legal acts. This law also contributes to the development of Open Banking in Ukraine.

“In fact, the introduction of Open Banking means more convenient and faster services for average users. For example, as a fintech company, we combine our technologies with bank data and create technological services to meet the needs of our customers. It turns out to be a win-win situation because banks are able to store the funds of the customers, while fintech companies provide technological solutions, and customers can quickly and conveniently perform financial transactions.

Another important aspect is the fact that companies planning to provide payment services will already undergo a new verification process. This will significantly deepen the integration of economic institutions, which is very important in the context of the future inclusion of Ukraine in the EU. In addition, the adoption of this law has really expanded the spectrum of products, which will be offered by companies providing payment services in the nearest future. I think, even in the conditions of the war, we will move along the cashless vector, and increase the number of non-cash payments,” the Chairman of the Supervisory Board of IBOX BANK says.

Alona Shevtsova is confident that the Ukrainian payment market follows the very same trends as the rest of the world, i.e., digitalization, contactless payments, biometric protection systems, and digital currencies. New achievements in the world of technology will shape trends for digital banking as well.

At the end of November, the National Bank of Ukraine presented its concept of e-hryvnia, which includes all modern features: Fast and secure cross-border payments, the development of the virtual asset market, and programmable money.

The Future is Now: Top 10 Gadgets You Need in Your Life

Travon Marner
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The Future is Now: Top 10 Gadgets You Need in Your Life

The future is here, and it’s brought with it a host of amazing gadgets that can make our lives easier, more convenient, and more fun.

From smart home devices that allow us to control our living spaces with the touch of a button, to wearable technology that tracks our fitness and health, there are so many amazing gadgets available today that it can be hard to keep up.

Here are the top 10 gadgets you need to get by the day’s stress and busy lifestyle. You can look them up at Parkslopedesign. Rest assured you will be amazed at what you will find!

  • Smartphone

It’s hard to imagine life without a smartphone these days, and for good reason. These devices allow us to stay connected with friends and family, access the internet, and even control our homes, all from the palm of our hand.

  • Smart Speaker

Smart speakers like the Amazon Echo and Google Home have revolutionized the way we interact with our homes. With the ability to control lights, appliances, and even make phone calls, these devices have become an essential part of many people’s daily routines.

  • Smartwatch

A smartwatch is a great way to stay connected while on the go. With features like fitness tracking, phone notifications, and even the ability to make payments, these devices have become an essential part of many people’s daily lives.

  • Virtual reality headset

Virtual reality (VR) technology is quickly becoming mainstream, and for good reason. VR allows us to experience immersive, 3D environments that feel like we’re really there, making it an incredible tool for entertainment, education, and even therapy.  Thankfully, Creative party blog has an astonishing collection of such devices you should consider.

  • Augmented Reality Glasses

Augmented reality (AR) technology allows us to see digital information overlaid on the real world, making it a powerful tool for everything from gaming to industrial training. Drones

Drones have become increasingly popular in recent years, and for good reason. These unmanned aerial vehicles (UAVs) allow us to capture stunning aerial footage, survey hard-to-reach areas, and even deliver packages.

  • Smart home devices

Smart home devices like smart thermostats, security cameras, and doorbells allow us to control and monitor our homes from anywhere. With the ability to set schedules, receive alerts, and even integrate with other smart home devices, these devices make it easier than ever to keep our homes safe and comfortable.

  • 3D Printers

3D printing technology allows us to create physical objects from digital designs, making it an incredible tool for prototyping, manufacturing, and even art.

  • Wearable fitness tracker

Wearable fitness trackers are a great way to track our daily activity and monitor our health. With features like heart rate monitoring, sleep tracking, and even GPS tracking, these devices can help us reach our fitness goals and live healthier lives. Check out from ityourstyle more!

  • Portable Chargers

With our reliance on electronic devices, it’s more important than ever to have a reliable way to keep them charged. Portable chargers allow us to charge our devices on the go, ensuring we never have to worry about running out of power.

Conclusion

hese are just a few of the many amazing gadgets that are available today. Whether you’re looking to stay connected, improve your health, or just have some fun, there’s a gadget out there that can help. So why wait? Start embracing the future today and see what these amazing devices can do for you!

Meta.N consortium, a leader in Korean blockchain company, successfully obtain a golden ticket to enter the NEOM CITY project in Saudi Arabia

Travon Marner
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Meta.N consortium, a leader in Korean blockchain company, successfully obtain a golden ticket to enter the NEOM CITY project in Saudi Arabia

The Saudi ATQEN Group, which supports composition and structuring for Korean companies to participate in the Neom City project, one of Saudi Arabia’s mega projects, hired a total of 10 Korean companies during the visit of Crown Prince Mohammed bin Salman to Korea on November 17, 2022. designated as a consortium partner. Among the fields that will participate in Neom City, such as construction, IT, and energy, NEOM City will be built using advanced technologies of Korean companies. Among them, Korea’s next-generation blockchain technology company Meta.N, “Meta.N stands out in the IT blockchain field.” And Meta.N newly established the Meta.N consortium with Sewon E&C(KOSPI:091090, listed company) to focus on this project, led by CEO Meen Eom, after intensive technology development for about 4 years. As a matter of fact, Meta.N and Sewon E&C had already built a strategic partnership of the blockchain & NFT technology field since 2021.

Meta.N consortium plans to use the next-generation blockchain technology of the Meta.N to create a digital currency to be applied to Saudi Arabia’s smart city, and to create a payment coin exclusively for Neom City based on crude oil-based ‘stable coin’. The “Meta.N” consortium’s payment coin project also includes plans to build a crude oil-based ‘stable coin’ that can be used daily in the Kingdom of Saudi Arabia and the UAE. Establish a future strategy for how the solution of the Meta.N consortium, which is specialized in the digital asset market, will be combined with the Neom City project and the Meta.N consortium’s crude oil-based ‘stable coin’, and through future discussions, the Meta.N consortium plans to use the blockchain technology in Neom City.

ATQEN said that Saudi Arabia’s Neom City is promoting digital convergence, and they are expecting a lot from Meta.N’s role. Along with this, in relation to the UAE business project, Meta.N CEO Meen Eom said, “We will construct a system that can pay for resource transactions using Meta.N’s crude oil-based ‘stable coin’.” and “In Gulf Cooperation Council(GCC) countries including the UAE, crude oil-based ‘stable coins’ can be paid and traded using Meta.N’s payment coin. The world’s dependence on our crude oil-based stable coins will increase dramatically. Now, with our strategy of creating a ‘stable coin’ and blending DAG guarantee/insurance solutions, crude oil will go beyond its real-world use and dominate the world of digital assets.”

LearnFight: The Ultimate Place for Sports Lovers

Travon Marner
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LearnFight: The Ultimate Place for Sports Lovers

Today, more people than ever spend their time aimlessly scrolling through social media apps that don’t bring them any benefits or make them feel a part of a community. Well, what if I told you there was a new website that pays you to make posts about fitness and sports and helps you connect with others?

LearnFight is a new kind of social media website that’s changing the game. The company’s goal is to promote healthy activities, support businesses, gyms, and fitness studios, and put money in the pockets of its users–sounds pretty good, right?

Well, let’s take a look at LearnFight and check out everything it has to offer!

LearnFight

What is LearnFight?

LearnFight is a place where sports lovers can connect and interact with each other and host/find events in their area. The site has group pages for nearly every sport or fitness activity under the sun, from skydiving to hockey to weightlifting; you’ll have no problem finding a group to match your interests. Once you join a page, you can make and share posts and discuss with the site’s other members. As of now, LearnFight has more than 36,000 members, and it’s growing each day!

But this is more than just about posting and sharing on a social media platform. Members of LearnFight can accumulate points that convert into awesome prizes! By offering perks, the company wants to reimagine how people spend their time online!

Member Perks

It’s obvious that social media applications are making immense amounts of money through advertisements. Well, LearnFight wants to spread love, and it’s doing that by sharing a piece of the profits generated by advertisements–count me in! But how does the system work?

Each time a member posts pictures, shares blogs and videos, or supports fitness studios and sports clubs, they receive activity points. These points can then be used to get cold hard cash or to buy awesome products and services offered by businesses.

So, not only will you be connecting with like-minded individuals who are interested in healthy activities, but you’re getting paid for your time on the site–that’s a win-win scenario! But members aren’t the only ones who can benefit from LearnFight!

Local Business Support

Paying for ad space on social media and other online platforms can get expensive for business owners. However, on LearnFight, it’s free to list your business and advertise on the website by using activity points received from making and sharing pictures, videos, blogs, and events! Who doesn’t like free advertising?

Business owners can also list their products and services as rewards that LearnFight members can obtain using their points, further getting companies more exposure! Additionally, the website is dedicated to sponsoring sports clubs’ events and competitions in Australia, and it plans to expand worldwide!

Final Thoughts

Why waste your time online when you can become a member of LearnFight and make money while connecting with like-minded people? It’s the perfect opportunity to follow your fitness interests and support others. Businesses won’t want to miss out on this incredible marketing opportunity. So, join LearnFight today!

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