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  • How to Find Solid Ground

    How to Find Solid Ground

    Are you having a hard time finding your footing or solid ground? You are not alone!

    Here are a few metaphors I’ve heard recently:

    “I feel like there is a slow earthquake beneath my feet; nothing is solid.”

    “I feel like the waves keep pummeling me and I come back up for air and keep getting pummeled.” 

    “I’m feeling wobbly!”

    How do we find solid ground when there is so much uncertainty, fearful headlines, and a never-ending pandemic?  We can enhance our feeling of safety and stability by working with the nervous system and energy system. This starts with intention. You can shift gears from auto-pilot reacting to choosing a response, by first wanting to create and experience something different. 

    Our nervous system is constantly looking for signals of safety or danger and then responds with a protection/defense mechanism or safety.  Let’s start there – we need to give our systems more signals of safety. Chances are, in this moment you are safe otherwise you wouldn’t be reading this, you would be responding appropriately.  

    •          Limit the news. Stay informed but have a limit on how much you read and how often you check for updates. Your nervous system reacts to what you read/view. Our minds create even more stories about a future that hasn’t happened yet. I am old enough to remember the nightly news delivered by a choice of 2-3 channels, focused on the facts. That’s not our world anymore unfortunately. The 24 hour news cycle is toxic. 
    •          Name your anchors of safety – people, places and activities that make you feel safe and nourish you. Make a list of those anchors that relax your nervous system and give you enjoyment. Choose more time with your anchors. What delights you or sparks your positive energy? 
    •          Spend more time in nature or other activities, shutting off your devices. Be very choosey about how you spend your precious downtime. My friends and family tease me for only watching funny or uplifting shows. I say – why watch things that are disturbing and scary?  Aren’t we getting enough stories about that already?!

     

    Like the nervous system, our energy system is an interface between our environment, body, mind, emotions and spirit. With our focus and attention, we can shift our energy and immediately feel more grounded.  This is the basis for many mind-body practices such as yoga, tai chi and qi gong. Here are two simple but powerful techniques for bringing the energy from the over-active thinking mind back to the lower body and our physical balance point which is the belly just below the navel. 

    •          Sitting practice: Eyes open or closed, bring awareness to your feet on the floor, wiggle the toes, move the lower legs. Feel yourself seated and the support of your chair. Do “soft-belly” breathing. This is simply breathing slowly and allowing the tension in the belly to relax, softening it with your exhale. Allow yourself to be supported and enjoy the breath.
    •          Standing practice:  Stand with feet hip width apart and relax the knees. Lift your heals and allow them to drop to the floor. Bring all your awareness to your feet. Imagine cords or roots coming from the bottom of your feet anchoring you into the center of the earth. With your imagination, on the inhale draw the energy up from the center of the earth up through your legs and lower body. Do this a few times and then add your arms, lifting your arms with your breath imagining this grounded earth energy filling your body and head as your arms reach over head. With the exhale, allow the arms to drop to your side, releasing any stress from your day. 

    You are what you practice, my mentor would remind us. Your nervous and energy systems will respond to what you choose to give them. It is easy to get overwhelmed these days,  but with each moment we have a choice to come home to the present moment and the breath. With this open, relaxed awareness, we can then see the beauty available to us, make enjoyable connections with people, and have access to our creativity. From this foundation, we can each become a positive force in the world.  Need more assistance finding solid ground? Please reach out to schedule a free discovery call to see if working together would be a good fit. 

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    ????? ???????????? ???????????? ???????? ??? ??????????, ?????? ??? ??? ??????? ? ?????? ???????? ?????? ????????????? ?????????? ?????????? ? ????????? ???????????? ???????. ? ?????????????? ?????? ?????????? ?????? ?????????? ?????????? ?? ??????????? ????????? — FCA. ?????? ? ????? ?????????? ??????? ????????? ?? ???????????????? ???, ??????? ?????????? ????? ????? ?????????? ????? ??????? ?? SEC ???????? ?? ??????? ?? ??????? ???????? ? ??????? — SESC. ????????, ???? ?? ?????? ?????? ????? Apple ??? Microsoft, ????? ????? ??????? ? ???????? ? ?????-????????????? ?????. ?????????? ??? ?????????? ????????????? (market maker — ????????? ?????).

  • Bull vs Bear Markets: What’s The Difference?

    Between bullish markets vs bear markets, the ideal time to invest in a bull market. As bear markets are characterized by declining prices and negative sentiment, they also present opportunities for savvy investors. A long-term vision is paramount, considering What Is the Dow Jones Industrial Average the presence of both bear and bull markets as part of the natural market cycle. Sticking to a well-thought-out investment plan helps investors avoid impulsive decisions based on short-term market fluctuations. Emphasizing long-term goals enables them to navigate market ups and downs, benefiting from compounding returns over time. Checking key indicators like GDP growth, employment rates, and investor sentiment can help determine the current market phase.

    Click here for our live trading room, where we discuss bull vs bear markets and how to trade them. Investing involves buying low and selling high, but it is impossible to predict market highs and lows. You may buy a depressed asset in a bear market only to watch the price fall even further. Depending on the company, the stock may never appreciate, and companies can go bankrupt during bear markets.

    Why Is It Called a Bear Stock Market?

    It typically occurs when the market gains 20% or more from its recent lows and continues to trend upward. Bull markets tend to last longer than bear markets, largely because stock prices generally rise over time. The median duration of a bear market is 19 months (less than 2 years), with a median decline of 33%, although their length can range from 1 month to as long as 113 months (nearly 9.5 years). Some sources define them as a 20% increase from recent lows, while others avoid specific thresholds. The key point is that a bull market signals a trend of increasing stock prices.

    Key Takeaways

    • There are eight key differences in knowing the difference between a bull and bear market.
    • Four figures can produce some great returns if invested in the right places.
    • This upward motion is symbolic of the rising trend in stock prices during these periods.
    • As a certified educator in personal finance (CEPF), he combines his economics expertise with a passion for financial literacy to simplify complex retirement, banking and credit topics.

    Whether you’re just starting out or have years of experience, knowing how to navigate the ups and downs can significantly impact your investment success. Recognizing the signs early allows you to adjust your strategy, whether that means taking advantage of growth opportunities in a bull market or protecting your assets during a downturn. While no one can predict market movements with absolute certainty, staying informed and watching for these key signals can give you greater confidence as you navigate the stock market. The term “bull market” comes from the way a bull attacks its opponents—by thrusting its horns upward.

    What Are the Common Misconceptions About Bull and Bear Markets?

    While the stock market and the economy influence each other, they are not the same. The stock market reflects the performance and future expectations of publicly traded companies, while the economy measures a country’s output and consumption of goods and services. However, it’s hard to say whether the economy fuels the bull market or the bull market boosts the economy. However, bear markets don’t always coincide with recessions—about 25% of bear markets have occurred without an accompanying recession.

    Bulls vs. Bears – How Debt and Equity Investments Perform in Each Market Phase

    A bull market is marked by rising asset prices, strong economic conditions, and increased investor confidence. Markets constantly fluctuate, and both bull and bear phases can be unpredictable. Before investing real money, start with paper trading to test your strategies without risk. Market swings can create both opportunities and losses, so take time to analyze trends, stay patient, and make well-thought-out decisions instead of reacting to short-term fluctuations. It happens when stock prices fall by 20% or more over a sustained period, leading to widespread pessimism and economic slowdown. The term “Year of the Bull” refers to a prolonged bull market phase where stock prices surge continuously.

    • National Bank and its partners in contents will not be liable for any damages that you may incur from such use.
    • China quickly responded with its own tariffs, and the European Union threatened similar actions.
    • When a major index like the S&P 500 falls by 20% or more from its recent peak and stays down for at least two months, that’s officially a bear market.
    • However, bear markets don’t always coincide with recessions—about 25% of bear markets have occurred without an accompanying recession.

    Stock prices rose to a whopping 417%, with just a correction exceeding ten percentage points. As the prices of stocks start falling, fewer people are willing to buy stock. As a result, prices of stocks go down further and the market slumps.

    Bears fight by swiping down with their paws, so they represent falling markets. No content constitutes a recommendation that any particular investment, security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Please consult with a qualified advisor before making investment decisions. Bulls try to Defi stocks push prices up, and the bears try to push prices down. The trick is knowing how to trade in any market without letting your emotions affect you.

    Optimistic investors drive buying behavior and rallies, while pessimism can trigger market downturns. The ability to recognize market trends and adjust investment strategies accordingly can help maximize returns and minimize risks. Investors, big or small, have to keep in mind that past performance is no guarantee of future results.

    Understanding how long they typically last and what influences their length can help you keep perspective when there’s market tumult. The average cyclical and event-driven bear markets generally tend to fall around 30%, although they differ in terms of duration. A significant market drop just before or during retirement can have a bigger impact than the same drop earlier in your career when you have more time to recover.

    In a bullish market, investors are inclined to buy, but in a bearish market, they tend to sell and shift funds to low-risk investments. Investor sentiment that a downturn in the stock market will continue can extend the duration of a bear market. Conversely, bullish sentiment can override, at least temporarily, moderating conditions that would otherwise cause price appreciation to slow or falter. Bull markets and bear markets are contrasting phases of financial markets. Despite being diametrically opposed, the start of the transition from one state to the other can only be determined retrospectively.

    But we also like to teach you what’s beneath the Foundation of the stock market. Coupled with the crisis in subprime mortgages, this snowballed into a full-blown financial crisis. Knowing the difference between a bull and a bear market helps you understand when we’re in a bear market as opposed to a market correction. Such was the case during the dotcom bubble burst, one of the more (in)famous examples of a bear market. For years, dotcoms – or rather, tech companies- had been hyped as sure stock market trading winners. Furthermore, why are we referring to the stock market as it resembles these scary animals?

    Not surprisingly, it also provided the highest returns, as measured by the S&P 500. The bull market is coming in at a close second from March 2009 to the present. To put this into perspective, the average return of all bull markets since 1932 has only been 165%. Just like the economy and job growth simulate a bull market, the opposite spurs a bear market. One of the most remarkable bull markets in recent history began in March 2009, following the global financial crisis. This bull run lasted until early 2020, making it the longest in U.S. history at nearly 11 years.

    Is the Stock Market Open on Easter Monday 2025?

    Yahia’s expertise has been featured on FinanceBuzz, FX Empire and EarnForex. Based in Florida, he balances his love for finance with freediving, hiking and underwater photography. For example, if you invest in a broad market mutual fund or exchange-traded funds (ETFs) before and during a bear market, you’ll automatically buy more shares when prices go down. When the market eventually recovers, you’ll own more shares than if you had invested only when prices were higher. Bull markets tend to last longer than bear thinkmarkets broker review markets, with an average duration of 6.6 years versus 1.3 years. If the economy continues to grow and inflation remains under control, the market could continue to rise.

    We put all of the tools available to traders to the test and give you first-hand experience in stock trading you won’t find elsewhere. People come here to learn, hang out, practice, trade stocks, and more. Our trade rooms are a great place to get live group mentoring and training. Examining individual companies will allow you to find high-value stocks that have only dropped due to shareholder panic. Just don’t put all your eggs in one basket — spread your holdings across a wide range of sectors to be on the safe side. If the GDP of a country is higher than the previous term, that means consumer spending is also high and is a common indicator of a flourishing economy.

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  • How do you record a payment for insurance?

    insurance expense

    The Inflation Reduction Act also eliminated deductibles and co-payments for all recommended adult vaccines. And starting in 2025, Medicare Part D will have a $2,000 spending cap on out-of-pocket drug costs. Check the totals and subtotals before you print and send http://sitesetup.ru/news.php?p=internet the expense report. Expense tracking software allows you to export the expense reports in Excel and PDF formats and send the reports via email. Once submitted by the employee, the business scrutinises the expense report to check for correctness and validity.

    Step 5: Check Coverage Amounts and Premium Costs

    For example, a $1,000 deductible means you pay the first $1,000 toward any claims. Many Americans spend thousands of dollars each year on health care, even if they have good insurance. But there are ways to reduce the amount you spend on everything from elective procedures to prescription drugs. Under an accountable plan, a home office can be deducted by the business owner but not by an employee. Consult with an accountant to understand the deduction limits and other regulations for home businesses. When building a reimbursement policy for your company, it’s important to consider your goals for growth and your budget.

    insurance expense

    What should businesses consider when choosing a business overhead expense (BOE) policy?

    insurance expense

    However, you may want to shift to expense tracking software once your business grows, and the number of expenses increases. With our excel expense report template you can easily enter data items in designated columns and add more columns for additional expense categories. Further, your calculations will be fast and accurate as our excel template automatically calculates the amount in the appropriate columns. Many expenses incurred by your employees while at work are tax-deductible.

    Popular New Vehicles

    • Or other business expenses like meals, office supplies, or mileage when an employee uses his vehicle for business travel.
    • Expense reporting is a fundamental part of your business and achieving your financial goals.
    • You may also be able to save through a state pharmaceutical assistance program or state discount program.
    • As an example, if you’re a smoker paying $600 a month for health insurance, you might be able to reduce your premium to, say, $400 if you quit smoking.

    You may qualify for a discount if you sign up for paperless billing options or if you pay the full amount all at once instead of making minimum payments. Insurance expense is the amount that a company pays to get an insurance contract and any additional premium payments. The payment made by the company is listed as an expense for the accounting period. If the insurance is used to cover production and operation, then the insurance expense can be listed in an overhead cost pool and divided into each unit produced during the period. When this occurs, part of the insurance expense will be listed in ending inventory, and some of it will be listed under cost of goods sold (COGS).

    What Is Business Overhead Expense (BOE) Insurance?

    A business must simply ensure the requirements are met for each expense to take advantage of these benefits, which is why expense reports are an important tool for owners and their accounting https://emusnes.ru/snes_m/rnfz.html partners. An HSA can help you save on health care costs, freeing up funds to pay life insurance premiums. Contributions to an HSA are tax-deductible, which can also provide financial relief.

    Health Insurance and the Expense Ratio

    • These include commercial property cover, product liability cover and employee cover.
    • When you sign up for an insurance policy, your insurer will charge you a premium.
    • Several metrics factor into the price of an insurance premium, including age, state and county of residence, and amount of coverage.
    • It is calculated by dividing total expenses by total assets under management.
    • The employees typically attach receipts for the expenses and this is the amount that gets reimbursed.

    Some insurers allow the policyholder to pay the insurance premium in installments—monthly or semi-annually—while others may require an upfront payment in full before any coverage starts. Businesses should consider factors such as coverage amount, premium costs, benefit period, elimination period, riders, and the financial strength of the insurance company when choosing a BOE policy. When choosing a BOE policy, it is important to consider factors such as coverage amount, premium costs, benefit period, elimination period, riders, and the insurance company’s financial strength. When choosing BOE insurance, it is important to consider several factors, including coverage amount, premium costs, benefit period, elimination period, riders, and the financial strength of the insurance company.

    State insurance regulators set the number of liquid assets necessary to ensure insurers can pay claims. Assess how much coverage you need based on your financial situation and family responsibilities. A https://walterclaudio.com/patience-perseverance-required/ financial advisor can help you determine the appropriate amount of coverage. Life insurance can also provide the necessary funds to pay off debts, such as mortgages, credit card debt and student loans.

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  • Enrolled Agent Salary in New York

    how much do enrolled agents make

    Once you get your first job, experience starts to include actual time working in the industry and your accomplishments at work. Compare enrolled agent salaries for individual cities or states with the national average. Compare enrolled agent salaries for cities or states with the national average over time. The other way to become an enrolled agent is by having enough IRS experience. According to the Treasury Department guidelines, you must have at least 5 years of active, continuous service in order to become an EA.

    Who should earn the EA?

    Ken has gained a wealth of business experience through his previous employment as a CPA, Auditor, Tax Preparer and College Professor. Today, Ken continues to use those finely tuned skills to educate students as a professional writer and teacher. It’s really a personal choice what size company you want to work for, but you should consider benefits that can affect your quality of life.

    What is the average Enrolled Agent salary?

    Take a look at our Enrolled Agent Salary Guide to get an idea about industry salary range. I am the author of How to Pass The CPA Exam (published by Wiley) and the publisher of this and several accounting professional exam prep sites. As per information provided by the Bureau of Labor Statistics (BLS), the median salary for CPAs stands at $78,000. Find a place you want to live or a firm you want to work for and then use the table below to inform your salary expectations.

    • Yet, both paths to the EA also involve extensive background investigations.
    • Additionally, clients often prefer to work with a single individual or a small team for the sake of efficiency.
    • So, use our comparisons of the best EA review courses to find the right EA course for you, and use our EA discounts to save on your preferred exam prep.
    • On-site daycare could save thousands of dollars and dozens of hours in commuting each year.
    • Today, Ken continues to use those finely tuned skills to educate students as a professional writer and teacher.
    • In the Pacific Northwest, where tech and trees reign, Seattle enrolled agents earn anywhere from $49,275 and $68,692.

    Average enrolled agent salary

    A mid-career enrolled agent with 3-6 years of experience makes $35,171 a year on average. A senior level enrolled agent with 7-12 years of experience enjoys an average annual salary of $41,077. If you’re planning to start your own book of business, then earning the enrolled agent designation is a great way to differentiate yourself from the bulk of your competitors.

    What state pays Enrolled Agents the most?

    how much do enrolled agents make

    Of jobs posted in the city by the bay, nearly half pay above $125,000 annually. Moving down to Southern California reveals EA salary numbers that are as sunny as the beaches. Enrolled agent salary numbers in Los Angeles show that about half of the jobs available pay in the six-figure range.

    • Therefore, because the CPA is a state certification, not a federal one, a CPA may want to earn an enrolled agent designation as well to expand her credentials and earning potential.
    • The big chains pay their more experienced enrolled agents between $20 and $30 per hour on average, which comes to between $40,000 and $50,000 annually.
    • Find a place you want to live or a firm you want to work for and then use the table below to inform your salary expectations.
    • In order to become an enrolled agent, you must satisfy the EA requirements of Treasury Department Circular 230.
    • The average enrolled agent salary in Alaska, Wisconsin, and Washington are the highest in the U.S.

    Because enrolled agents have the authority to represent clients before the IRS, they can fulfill a more specialized niche than non-enrolled tax preparers and accountants. Therefore, while CPAs do earn more on average than enrolled agents in the short run, the potential for earnings over the span of a career can be higher for enrolled agents. Self-employed enrolled agents who operate their own accounting agencies can expect more earnings than their counterparts at large brokerages and corporations. At a median of over $53,000, the salary for an independent enrolled agent is not bad. Furthermore, when you consider the lack of an upper limit on your earning potential, the idea of self-employment becomes very attractive.

    how much do enrolled agents make

    Enrolled Agent (EA) Salary Guide

    • And, in addition to the standard background check, the IRS also investigates your personal tax history.
    • In 2014, the average enrolled agent earned $31,983 annually, but today, they earn $35,171 a year.
    • Agents with more than 20 years of experience may see a pay raise up to $60,000 per year.
    • Becoming an EA is one of the best investments you can make in your career as a tax preparer.
    • For example, many small to mid-sized businesses prefer to outsource their accounting.

    This is because the income potential for enrolled agents tends to taper out over time. By comparison, a CPA can have a number of opportunities for earning money. For instance, CPAs working for conglomerates or in a CPA firm could easily https://www.bookstime.com/articles/managerial-accounting bring in six-figure salaries. According to Indeed.com, over half of the enrolled agent jobs in Atlanta pay more than 6 figures. Therefore, the EA salary range in that city is a little lower, with the average salary about $51,560.

    Becoming an EA is one of the best investments you can make in your career as a tax preparer. The benefits you’ll gain from earning the EA designation will far outweigh the cost of taking the EA exam. In addition to the salary benefits, you’ll also enjoy increased representation rights so you can expand your client base and the services you can offer.

    how much do enrolled agents make

    This is a great time to go into accounting, and becoming an Enrolled Agent will help you land an even bigger starting salary than you could without it. Enrolled agent salaries at IDEMIA and Acuity Insurance are the highest-paying according to our most recent salary estimates. In addition, the average enrolled enrolled agent salary agent salary at companies like Smoker Craft Boats and Independent Health are highly competitive. But the fact that smaller firms have to specialize can be both a blessing and a curse for enrolled agents. For example, a small agency that specializes in escrow accounting may not need an enrolled agent.

  • 7 cele mai bune schimburi criptografice ?i list? de aplica?ii 2025

    Tranzactionare Criptomonede

    Juc?torii din Filipine pot verifica pre?ul curent al jetoanelor 1 SLP to PHP direct pe CoinMarketCap. Platforma î?i extinde în mod constant prezen?a geografic? ?i lista de servicii oferite ?i este inclus? în lista cu cele mai bune platforme crypto. Coinbase este o companie de renume mondial ?i una dintre cele mai bune platforme de criptomonede. Accesibil în întreaga lume ?i în toate statele SUA, în afar? de Hawaii, Coinbase este o alegere demn? de încredere ?i sigur? pentru to?i utilizatorii. Exchange-ul ofer? o gam? excelent? de active cu toate op?iunile populare disponibile ?i aproape c? poate garanta un volum mare de tranzac?ionare cu atât de multe milioane de utilizatori în fiecare zi.

    Din motive de securitate, u?urin?? în utilizare ?i lichiditate cripto, alege eToro – cite?te aici recenzia platformei.

    Lansata in 2014, OKEx a devenit rapid o destinatie populara pentru traderi datorita ofertei sale variate de criptomonede si a facilitatilor avansate. Din acest motiv, mai mult? încredere deriv? din trecutul ?i reputa?ia platformei în rândul utilizatorilor actuali. Gate.io exist? din 2013 ?i înregistreaz? volume foarte mari de tranzac?ionare, care rivalizeaz? cu cele mai bune schimburi.

    E?ti pasionat de crypto? Alatur?-te echipei noastre ?i lucreaz? …

    Cu siguran?? nu este pentru oricine, dar pentru persoanele cu experien?? pe alte pie?e, care î?i doresc un mediu nou, cu un grad foarte mare de risc-recompens?, poate fi un mediu unde s-ar sim?i bine. Criptomonedele pot fi o investi?ie bun? pentru cei cu un aport mare la risc în ceea ce prive?te finan?ele ?i investi?iile. De asemenea, te po?i al?tura comunit??ii noastre de Telegram ?i Discord pentru ajutor de la al?i investitori din Romania. Pia?a crypto a început ?i ea s? se maturizeze ?i s? fie din ce în ce mai atractiv? pentru institu?ii sau investitori de calibru mare, iar mi?c?rile ei se iau printre altele ?i dup? pie?ele primare, enumerate mai sus.

    Fiecare platforma are ceva unic de oferit

    Acest design îl face o alegere fenomenal? pentru oricine dore?te un portofel sigur, f?r? custodie. De fapt, pot spune cu încredere Zengo este alegerea perfect? pentru cei care au nevoie atât de simplitate, cât ?i de securitate de top pentru investi?iile în criptomonede. A schimbul de criptocuritate, numit ?i a Digital Currency Exchange (DCU) este o afacere care v? permite s? tranzac?iona?i ce este aplicatia tux monede digitale sau criptomonede. Multe schimburi de criptomonede ofer? tranzac?ii Bitcoins, Ethereum, XRP (Ripple) ?i alte Altcoins.

    Coinbase este una dintre cele mai populare platforme de schimburi de criptomenede din lume cu mai mult de 40 de milioane de utilizatori din peste 100 de ??ri. Platforma de tranzac?ionare a criptomonedelor ofer? tranzac?ionarea cu mai mult de 3.000 de monede, incluzând un num?r de altcoin-uri pe care nu le vei g?si nic?ieri. EToro este per ansamblu aplica?ia noastr? preferat? pentru cump?rarea ?i vânzarea de criptomonede. Aplica?ia taxeaz? numai spread-uri care sunt mici si anume de 0,75% pentru tranzac?iile cu Bitcoin ?i 1,90% pentru cele cu Ethereum. Odat? cu evolu?ia lumii monedelor digitale an dup? an, aplica?iile de tranzac?ionare a criptomonedelor au crescut pentru a îndeplini cererile diferitelor tipuri de traderi ?i investitori. S? studiem descrierile celor mai bune 5 aplica?ii de schimb a criptomonedelor pentru a te ajuta s? decizi care este cea mai potrivit? pentru tine.

    De stabilire a pre?urilor:

    În concluzie, platformele de tranzac?ionare crypto func?ioneaz? prin conectarea cump?r?torilor ?i vânz?torilor de criptomonede ?i faciliteaz? schimbul de criptomonede cu fiat sau alte criptomonede. Acestea ofer? o platform? sigur? ?i reglementat? pentru ca persoanele fizice s? tranzac?ioneze criptomonede ?i furnizeaz? instrumente pentru urm?rirea ?i gestionarea investi?iilor. Cele mai bune 10 platforme de tranzac?ionare criptomonede în func?ie de criterii precum ratingul online, securitatea utilizatorului, volumul de tranzac?ionare ?i perechile de criptomonede disponibile.

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    The interests of Lunar Capital’ clients are protected by the Financial Commission’s Compensation Fund for up to €20,000 per claim. The interests of Lunar Capital’ clients are protected by the Financial Commission’s Compensation Fund for up to €20,000 per claim. ??????? ?? Mwali International https://lunarcapital.vip/ Services Authority ??? ??? ? ?????? ?? Financial https://lunarcapital.net/ Commission ?? ?? ???? ????? ??? ???? ????.

    • The interests of Lunar Capital’ clients are protected by the Financial Commission’s Compensation Fund for up to €20,000 per claim.
    • The interests of Lunar Capital’ clients are protected by the Financial Commission’s Compensation Fund for up to €20,000 per claim.
    • The interests of Lunar Capital’ clients are protected by the Financial Commission’s Compensation Fund for up to €20,000 per claim.
    • ??????? ?? Mwali International Services Authority ??? ??? ? ?????? ?? Financial Commission ?? ?? ???? ????? ??? ???? ????.
    • The interests of Lunar Capital’ clients are protected by the Financial Commission’s Compensation Fund for up to €20,000 per claim.

  • Building a Support System in Recovery: A Step-by-Step Guide

    How to Build a Sober Support Network

    Recovery groups such as the venerable Alcoholics Anonymous (AA) and SMART Recovery provide a supportive community and understanding for individuals in recovery through support group meetings. It can provide an immediate understanding and support from peers who share similar experiences, reducing feelings of isolation. Professionals within your network can assist in enhancing your mood, motivation, productivity, relationships, and overall well-being. Staying motivated is crucial to sustain the journey of sobriety successfully. Celebrating with family or friends can provide emotional support during tough times, reminding you of your progress and encouraging you to keep moving forward.

    The Role of Socialization in Addiction

    How to Build a Sober Support Network

    They can help you feel less alone when you’re struggling with addiction and offer different perspectives. A therapist or counselor plays an active role in your recovery from beginning to end. They provide a safe, non-judgmental space for you to explore your relationship with substance abuse.

    Effective Prevention Strategies

    Everyone’s recovery is a lot different, and to be successful with your own, you need to be clear about your own goals. It often occurs when groups or individuals pressure other people to engage in unhealthy activities, like using drugs. One of the most important things to do once you start your recovery is develop a sober support network. This support network will be one of the most important foundations upon which your recovery rests. You may discover new job opportunities, fun events, volunteer work, and more.

    Understanding Support Networks in Recovery from Addiction

    • It requires effort, open communication, and a willingness to support and be supported.
    • At Sanctuary Foundation, we understand the importance of having a robust support system in place.
    • Active listening involves focusing on the speaker, paying attention to verbal and non-verbal cues, and seeking to understand their perspective.
    • At first, it may seem difficult to accept responsibility for the damage caused by your addiction.
    • When you’re traveling, you can take your sober support network with you — right in your pocket.
    • Fostering a connection with family and friends who empathize with your struggles can help alleviate feelings of isolation.

    People often mistakenly assume that the people who are in their support network automatically know what they need. Communicating your recovery needs and discussing the nature of your relationship with members of your support network can also help you avoid potential misunderstandings. The members of your support network are people who will remain committed to helping you remain focused on your recovery goals. With https://ecosoberhouse.com/ the support of a strong sober support network, you can overcome challenges, celebrate successes, and build a fulfilling life in sobriety. Contact Resolute Recovery today and discuss how we can help you get on, and stay on the path to recovery. A support network in recovery consists of friends, family, professionals, and others in recovery who provide encouragement and help you stay focused on your recovery goals.

    • Remember; it’s as important to share a laugh with your networks as it is to share emotional pain.
    • By adopting personalized approaches and effective prevention strategies, individuals can increase their chances of maintaining long-term sobriety.
    • SMART Recovery, LifeRing, Recovery Dharma are other orgs that run meetings.
    • Overall, boundaries help establish healthy connections and protect your emotional well-being.
    • With help from a healthcare professional, you can start looking for a treatment program that meets all of your unique needs.
    • According to the National Institute on Drug Abuse, those with social support are more likely to remain abstinent from drugs and alcohol long-term.

    Celebrating Milestones and Building a Lasting Foundation

    You may want to spend some time writing out ideas of how you plan to achieve your goals. Positive peer pressure comes in the form of people encouraging you to make healthy decisions. This might mean reminding you to attend your meetings, encouraging you to eat healthy food, or joining you on a regular exercise routine.

    Two key strategies for building a solid foundation in recovery are removing negative influences and cultivating a selective social circle. By actively participating in support groups like AA or SMART Recovery, individuals can enhance their chances of successful recovery. These groups offer guidance, encouragement, and a sense of belonging, fostering the development of a strong and supportive sober network.

    How to Build a Sober Support Network

    The Journey

    How to Build a Sober Support Network

    Family and friends that support the addict’s recovery are possibly the most important part of a strong support system. From old friends that bring understanding, history and loyalty to new friends that have been acquired along the path to recovery, often these individuals can provide more emotional support than others. The same is true of family members, but people in recovery must beware to limit relationships with family members that were enablers or those who do not support or take addiction recovery seriously. If additional support is needed, reaching out to professionals or finding a sober support network can provide valuable guidance and assistance throughout the recovery journey.

    • A licensed clinician uses this criteria—and more—to determine the likelihood and severity of a substance use disorder and formulate a treatment plan.
    • That’s especially true of your fellow travelers who’ve gone through the same treatment as you.
    • By attending these meetings, you build trust and rapport with others who understand the challenges of sobriety, encouraging you to make healthy decisions.
    • They believe in their ability to cope with stress without relying on alcohol or drugs.
    • The positive peer pressure within these groups can encourage individuals to make healthier decisions, reinforcing their self-efficacy and reducing the chances of relapse.

    Our sober living homes provide a supportive community, but it’s also vital to create a network of friends and allies who can help you maintain sobriety. In this blog, we will look at how a sober support network can help and ways to build one. Rebuilding relationships with family and friends after substance sober network abuse can be challenging; yet, these individuals can be a crucial support network. If possible, try to reestablish connections with those who have always had your best interests at heart. It may take time, but trust and understanding can be rebuilt with proper communication and shared efforts.

    How to Support Someone Getting Sober

    How to Build a Sober Support Network

    Nevertheless, people often find it challenging to effectively build a support network. Some people are so excited to have completed a rehab program that they don’t fully realize the importance of building a support network. Others have may feel discouraged because they do not have supportive friends and family members, or they may have difficulty meeting new people. If so, you’ve already taken a significant step towards a healthier and happier life.

    • Honesty, empathy, accountability, and assertiveness are keys to any successful relationship.
    • This might mean reminding you to attend your meetings, encouraging you to eat healthy food, or joining you on a regular exercise routine.
    • Others can offer guidance, especially when they know you well or have been there before.
    • One of the most interesting things that is noted by many addiction counselors is that many substance abusers initially begin using substances because they help to encourage social behavior.
    • A great way to fill up your time is to start taking a new course in a community college.

    Even if you have to step a little bit outside of your comfort zone, remember that this is probably going to help you grow. Anytime somebody offers to help you, even if you are not expecting it, do your best to seize the opportunity. The important part is to be persistent and to remain a positive example of the changes that you have made. Over time, your family and friends will recognize that you are not the same person that you were when you were struggling with addiction. Once they see that you were making positive changes, they will be happy to assist you and encourage you to continue improving.

  • ????????? ? ????? ??????????: ??????? ??????????? ??? ??????? ?????

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    • ??????????? ????????. ???? ?????????????? ???????? ????????? ????. ???? ???????? ?? ????????????, ???? ?????? ???????. ????????? ????? ????? ??????, ???????????? ? ?????????? – ?? ??, ?? ????????? ???????? ??????????? ??? ???, ??? ?????? ?????? ?? ????????.
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    • ???????????? ????? ?? ?????????. ???????? ?????? ????????? ?? ?????. ??? ????? ???????? ??????? ???? ?????????, ??? ??????????? ???? ???? ?????????. ???????????? ??????? ??????? ????? ???????? ???????? ??????? ??????? ?? ??????????? ???????????.

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  • 5 Ways to Unwind After Work

    how to destress after work

    If you have gum on hand, particularly scented gum, chew it for at least three minutes. One study of 101 adults found that people who chewed gum during work had a lower stress response. It can curl up inside you and grow like a Chia Pet until all the sprouts have grown out of control.

    North Jersey beaches that will make you forget the Jersey Shore

    • It’s not the healthiest way to deal with stress, but some days, you just want to watch the world burn.
    • Work stress can bleed into other aspects of your life if it’s left unchecked.
    • Because clutter has a subtle but very real effect on our stress levels, it pays to declutter as regularly as possible.
    • The pleasure gained from doodling can reduce your stress levels, and enable you to take a different approach when you return to working.

    Certain habits can promote resilience to stress and increase overall wellness. For example, those who exercise or meditate regularly tend to become less stressed in the face of a difficult challenge. It reduces the stress hormone norepinephrine and can produce a sense of relaxation. Just focusing on your breath or changing the way you breathe can make a big difference to your overall stress level. Breathing techniques can calm your body and your brain in just a few minutes.

    Summary To Help You Destress After a Long Day of Work

    • Join the Calmer Community to receive our One Mindful Minute newsletters, and get a meditation prompt straight to your inbox each week.
    • Whether a vigorous workout or a gentle walk, find an exercise you enjoy to gain an effective tool for unwinding after work.
    • Activities like these may give you a break from the task at hand but are unlikely to help you destress or regain focus.
    • While frequent breaks to de-stress are a good option, having a relaxing routine after work is even better.
    • Some tension is expected, especially when facing a looming presentation or challenging assignment.
    • The “communication” part has them evaluate the self-talk going through their head, followed by the “breathe and exhale” portion.

    Having people you can rely on during tough times can alleviate some of the built-up tension. Keep in touch with trusted friends and family to help cope with stressful work situations. Forbes Health adheres to strict editorial integrity standards. To the best https://ecosoberhouse.com/article/is-it-possible-to-get-sober-without-aa/ of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved or otherwise endorsed by our advertisers.

    Medical Professionals

    how to destress after work

    Making some changes to your daily habits could be instrumental in helping you feel better. Having supportive people in your life is the key to stress management. If you lack emotional support and friendship, it’s important to get it. Aromatherapy has real benefits for stress relief—it can help you to feel energized, more relaxed, or more present in the moment. With practice, you’ll learn to recognize tension and tightness in your muscles and you’ll be able to relax more easily.

    how to destress after work

    It helps to present realistic and feasible suggestions of your own, suggests Dr. Pratt. He and the APA also note that employee health is linked to better productivity and lower turnover, so employers should want to work toward meaningful resolutions. You may be able to diminish work stress by changing certain habits. Talkspace connects you to licensed therapists based how to destress after work on their expertise from across the country. It covers a range of mental health needs such as depression, anxiety & stress, parenting, trauma & grief, substance abuse, LGBTQIA+ specific topics, eating disorders & more. Make time to do things that you enjoy, such as spending quality time with friends and family and exploring new or existing hobbies, suggests Dr. Lassen.

    Practice Progressive Muscle Relaxation

    Talk to your healthcare professional or a mental health professional. Just as it helps children relax and go to sleep when they have a bedtime ritual, having a post-work ritual is a great way to help yourself unwind after a stressful day of work. Even better, it can be a way to create a mental habit of relaxing your mind and letting go of job stress after a long day of work. When you’re ending a difficult workday (or workweek), it’s important to leave work at work and move on with your personal life.

    how to destress after work

    • Getting lost in another world can provide a welcome distraction from a stressful situation, and return you to a calmer state.
    • Having supportive people in your life is the key to stress management.
    • You’ve probably noticed how hard it is to talk your way out of intense emotions like anxiety and anger, let alone a traumatic situation like the one Jake was in.
    • The APA suggests limiting afternoon caffeine intake and nighttime screen use.
    • Positive self-talk can help you develop a healthier outlook.

    Research has shown that thinking about something that you’re grateful for each day also reduces stress. Deep and mindful breathing can activate your body’s relaxation response, helping lower stress levels, reduce blood pressure, and promote a sense of calm. This means creating enough balance in your life to include leisure time and hobbies. It means cultivating healthy relationships to help you feel fulfilled and take your mind off of stress. It means creating healthy habits to relieve stress, as well as setting goals that excite you and going for them.

    • Those numbers are worse for security professionals; in the 2022 Voice of Secops survey, 91% report feeling stress in their roles, and 46% know at least one person who has quit because of it.
    • You’ll soon start receiving the latest Mayo Clinic health information you requested in your inbox.
    • Stress affects everyone differently, and what is a stressor for one person may not be for another.
    • Adults are encouraged to do at least 150 minutes of moderate-intensity aerobic activity a week to stay in good health, and this can reduce your stress levels too.
    • “Checklists codify known methods of resolving issues and can be improved over time,” she says.
    • Perhaps morning traffic makes you late and cranky from the start, or a noon meeting causes you to forgo lunch for chips instead.

  • How to Buy Bitcoin BTC: Quick-Start Guide

    how to buy bitcoin in usa

    Choosing a US-based exchange also means the exchange is likely to be registered with the Financial Crimes Enforcement Network (FinCEN), which means it has to comply with local laws in the US. Buying bitcoin using an ATM is a way to purchase the digital currency in a physical location. The process typically involves using cash or a debit card to purchase bitcoin, which is then transferred to a digital wallet, which you must have set up before using the ATM. Although trading apps and brokerages will give you direct exposure to the price of Bitcoin, they may not give you the actual coins to control. This means you can’t move your BTC off the platform to your personal wallet or another trading platform.

    You can pick up a few bitcoins with no direct commission by using a trading app such as Webull or Robinhood, though you’ll end up making up for it with a spread markup. The offers that appear on this site are from companies that compensate us. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. Finder.com is an independent comparison platform and information service that aims to provide you with information to help you make better decisions. We may receive payment from our affiliates for featured placement of their products or services.

    how to buy bitcoin in usa

    Cryptocurrency

    After creating an account, users can post requests to buy or sell bitcoin, including information about payment methods and prices. For instance, American Express users will pay the current cash advance fee for such transactions, and the fee charged will vary by exchange. The credit card company also limits users to $1,000 worth of bitcoin purchases per month. The user of an online or hot wallet isn’t the holder of the private key to the cryptocurrency that is held in it. The phrase “not your key, not your coin” is heavily repeated within cryptocurrency forums and communities. Bitcoin transactions are more traceable than cash because they are available for public view and it is very difficult to trace the transacting parties on the cryptocurrency’s blockchain.

    how to buy bitcoin in usa

    Investors who purchased Bitcoin in the bull market of 2021 will have experienced a loss—but those who bought before late 2020 could be looking at decent gains. Emma lives in Bogota, Colombia, where she owns the English-language newspaper The Bogota Post. Over 20 years ago and has been contributing to The Ascent since the summer of 2019. As you’re considering how to buy Bitcoin, you’ll want to evaluate the following factors, since they should influence your choice of where to buy it or whether to ultimately avoid it altogether.

    But we encourage everyone to be well versed prior to investing to understand the potential risks and rewards. You can buy and sell Bitcoin, other cryptocurrencies, stocks, and options with no transaction fee. Plus, outside of the platforms that are solely made for cryptocurrency, Robinhood has one of the best crypto selections out there. A cold wallet is more valuable if you really want to lock down your cryptocurrency and make it nearly impervious.

    The If I Bought Bitcoin Calculator is a tool designed to help Bitcoin enthusiasts determine potential profit or loss from their Bitcoin investments over time. For the past seven years, Kat has been helping people make the best financial decisions for their unique situations, whether they’re looking for the right insurance policies or trying to pay down debt. Kat has expertise in insurance and student loans, and she holds certifications in student loan and financial education counseling. As far as using BTC directly for payments, those options are much more limited.

    How To Buy BTC With PayPal

    You’ll know you are using such a wallet if you’ve written down a 12- to 24-word recovery seed phrase. If you haven’t written down a recovery seed phrase, someone else is holding the private keys to your BTC. Bitcoin is the first decentralized digital currency and the leading cryptocurrency worldwide.

    The crypto exchange you use probably has an integrated Bitcoin wallet or at least a preferred partner where you can safely hold your BTC. Some people, however, do not feel comfortable leaving their crypto connected to the internet—in a “hot wallet”—where hackers may more easily steal it. Some analysts believe the price of Bitcoin could rise even further as cryptocurrency and blockchain technology become a bigger part of people’s daily lives.

    While compensation arrangements may affect the order, position or placement of product information, it doesn’t influence our assessment of those products. Please don’t interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder.com compares a wide range of products, providers and services but we don’t provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Consider investing in bitcoin as part of a wider investment strategy, and talk to a financial advisor if you have any questions about cryptocurrency investing.

    ways to buy bitcoins

    When you buy these types of Bitcoin-related financial products, you don’t technically own any bitcoin. Investing in bitcoin through an ETF is an accessible way for those who want exposure to bitcoin without directly purchasing the cryptocurrency. Our detailed price comparisons and cryptocurrency guides have you covered.

    1. But the introduction of Bitcoin ETFs provides a cheaper and more secure way for traders to gain exposure to the cryptocurrency.
    2. Once your sell order is placed, it enters the exchange’s order book, where it waits for a buyer to match your selling price.
    3. This bureau safeguards the US financial system by working to prevent money laundering, terrorist-financing activity and other financial crimes.
    4. Crypto exchanges have become much easier to use than a few years ago.
    5. For example, a few popular platforms add 0.5% to their quoted price for buying transactions and subtract 0.5% for selling transactions to create a spread.
    6. Bitcoin serves as a store of value and is therefore often referred to as digital gold.

    Buying Bitcoin: Here’s what to watch for

    Cold wallets rely on hardware, a physical device, to secure your holdings, and it looks like a USB thumb drive. This can be disconnected from the internet, making your holdings very secure. When you’re ready to transact, you can plug it in and conduct business.

    Here are five ways to buy bitcoins and some key factors that you need to watch. P2P marketplaces typically support a wide range of fiat currencies, including US dollars. Bitcoin can be a risky investment, so it’s important to think carefully about your goals and your strategy before you decide.

    Some traditional brokers have also ventured into the cryptocurrency arena, including Interactive Brokers and TradeStation. And with the introduction of Bitcoin ETFs, major brokers offer funds that let you buy the crypto, too. Bitcoin is one kind of digital currency or cryptocurrency, a way to pay for things that exists only virtually. The currency debuted in 2009 and really broke into mainstream consciousness in 2017 with its rapid rise that year.

    Our Recommended Online Brokers

    In recent years, money transfer apps have become a popular way to purchase BTC. The following instructions will help you buy BTC with CashApp, PayPal and Venmo. Buying BTC on a crypto exchange is the most common way to invest in bitcoin. Popular bitcoin-only wallets include the aforementioned Coldcard how to calculate overhead using abc Mk 4 and the Blockstream Jade. Neither of these wallets ever needs to be connected to the internet, which makes them safer than wallets that do. To truly own your BTC, you have to hold it in a non-custodial crypto wallet.

    You’ll be able to buy bitcoins and some ATMs will allow you to sell them, too, using cash or a debit card. Commissions can be pricey, with some ATMs charging around 7 percent per transaction, while the fees at others may stretch into the teens. The exchange or platform helps facilitate bitcoin transactions by holding funds in escrow via smart contracts on a blockchain network. This ensures that the terms of the trade are met and that the cryptocurrency is transferred securely and transparently. A spot bitcoin ETF is an ETF that tracks the price of bitcoin and is traded on traditional stock exchanges rather than cryptocurrency exchanges.