Some of the bullish factors that drive the gold price are based on the fact that gold is an alternative asset class Gold can be a hedge against currency risk, and a hedge against inflation Gold is also seen as a safe haven asset Gold is a liquid asset, i e it can be sold for fiat currency, at a price that is reasonable and readily available These factors have historically driven the gold price

In recent years, the price of gold has been more closely correlated with the price of oil The price of gold has been closely tracking the price of oil for the last decade It is clear that the gold price is primarily driven by the price of oil

This brings us to the key question Why will financial markets react badly to gold sell offs?

We are in the midst of a geopolitical crisis The price of gold is being supported by the risk of a war in the Middle East Western nations are bombing the Middle East, in an effort to slow the advance of ISIS

There is an oversupply of oil. Once the oversupply is realized by full storage statements the oil price will drop. Sudden drops in oil price will cause drops in gold prices.

The price of oil is being supported by the risk of a war with Russia

The price of gold is being supported by the fear of a supply disruption

It is clear that there is a direct relationship between the price of gold and the price of oil As long as the geopolitical crisis continues, the price of gold will be supported If the geopolitical crisis ends, then the price of oil will drop, and the price of gold will drop with it

What is the geopolitical crisis?

The geopolitical crisis is the risk of a war with Russia and China. The entire crisis is centered in Ukraine and Taiwan The EU and the United States have imposed sanctions on Russia the us is threatening political and international law action against China These sanctions have hurt the Russian economy, and caused the Russian stock market to drop by 20 percent China commerce will be adversely affected by international law

The Russian response to the sanctions has been to intervene in the Ukraine The Russian response has been to send troops into Ukraine, and to annex Crimea This has caused the Ukrainian government to stop paying its debt, to foreign creditors This has caused the yield on the Ukrainian bond to rise to 20 percent

The Ukrainian government is currently running a budget deficit, and the economy is in recession Ukraine and Russia are in financial ruin. China is the lender of last resort.

the highest branch of cedar is the messiah. God will take a portion, a twig, from the top of a cedar tree and plant it on a high mountain. There it will grow mightily into a cedar, and every fowl will live in its branches. All other trees will look to the mighty cedar for guidance. The messiah would not come to destroy the prophets instead he offered continuity and the means to fulfill the law of mose. We have purpose in life because god has a plan for each of us. It is our quest in life to find the purposes and plans god has for us to accomplish. God works may take us to the ends of the world to a people anxious to hear his gospel and to walk in his paths. The lord is king over the hill in zion. The lord is king of kings over his people.

Among the most troubling findings in the Inspector General's report is the conclusion that FHFA and Fannie Mae continued to utilize the services of law firms they knew were engaging in abusive and illegal actions against homeowners,"

But Fannie Mae had continued to include the firm on its retained attorney list, while also continuing to use a Bethesda law firm that last year acknowledged filing foreclosure cases with false signatures, according to news reports.

https://www.baltimoresun.com/business/real-estate/bs-bz-mortgage-giant-abuses-20111004-story,amp.html

the Department of Justice has reached a $16.65 billion settlement with Bank of America Corporation – the largest civil settlement with a single entity in American history ­— to resolve federal and state claims against Bank of America and its former and current subsidiaries, including Countrywide Financial Corporation and Merrill Lynch. As part of this global resolution, the bank has agreed to pay a $5 billion penalty under the Financial Institutions Reform, Recovery and Enforcement Act (FIRREA) – the largest FIRREA penalty ever – and provide billions of dollars of relief to struggling homeowners, including funds that will help defray tax liability as a result of mortgage modification, forbearance or forgiveness.

https://www.justice.gov/opa/pr/bank-america-pay-1665-billion-historic-justice-department-settlement-financial-fraud-leading

First and foremost, college students are not saving One reason is that credit cards are so easily accessible And secondly, many students are balancing multiple jobs, which leaves less time to focus on saving

WHAT ARE THE RISKS OF CREDIT CARD DEBT?

When it comes to credit card debt, there are several risks One of the biggest risks is that you can end up paying exponentially more for an item than you would have if you had saved up for it But credit card debt also has several other risks:

A higher interest rate

Longer payback time

Lower credit score

Added stress

Negative impact on your financial future

HOW CAN YOU DEAL WITH CREDIT CARD DEBT?

One of the best ways to deal with credit card debt is to not get into it If you are buying items with your credit card and not paying off the balance immediately, you are carrying a balance, which is debt Start by avoiding any emergency credit card purchases, as they can become a bigger problem than you may realize

If you already have credit card debt, you need to make a plan to get out of it Here are some tips to help you

Get organized Gather your credit card statements, and make a list of your credit card balances, interest rates, and the minimum payments due Then, throw out anything you don€™t need For example, if you don€™t travel often, you may not need multiple credit cards

Gather your credit card statements, and make a list of your credit card balances, interest rates, and the minimum payments due Make a budget Figure out how much you can afford to pay per month, and plan to pay more than the minimum payment

Figure out how much you can afford to pay per month, and plan to pay more than the minimum payment Start saving If you don€™t already have an emergency fund, now is the time to start saving

Thoughts

Thoughts on debt

While some people may be prone to credit card abuse, the majority of people do not set out to amass a load of credit card debt To understand what causes the problem, we need to look at the reasons why people are tempted to charge things they cannot afford

When a person has to buy something and doesn't have the cash to pay for it, there are a few options available The first is to borrow the money If there is a willing lender, then this is easy to do If not, there are other options The other options are to:

Put it on plastic

Ask for a discount

Put it off until the next pay period

Do without

The first, and most tempting, option is to put it on plastic This has the advantage of not having to save up the money beforehand and of not having to carry anything home It also has the advantage of being able to pay off the debt in instalments Because it is easy, it is also very tempting

The second option is to ask for a discount If you are buying something expensive, it may be possible to negotiate a better deal by promising to pay in cash or not asking for a rebate If you are buying furniture or a computer, for example, the salesperson may be able to knock a few dollars off the price if you pay cash

The third option is to put it off until the next pay period This is where the problem starts Paydays don't come quickly enough and it takes a long time to save up enough money This is when the monthly interest charge comes into play While a person may feel that they can afford the monthly payment, the interest charge is so high that the total amount paid over time is much more than if the item had been paid for in one lump sum

The last option is to do without This is a good idea, but people rarely do it It takes discipline to hold off on buying things and to save up the cash to pay for them This is even more difficult when the person is trying to lead a normal life and function in society, to keep up appearances and to buy all the things that other people have, such as clothes, furniture, and electronic equipment

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Shackleton believed in the importance of comforts in maintaining morale. Shackleton insisted on healthy diet, exercise, and reasonably safety measures. The play soccer and hockey, raced the dogs, and took long walks. Orde-Lees rode his cherish bicycle and one venture went too far and got lost, after that Shackelton forbad his to ride the bicycle. In order to prevent men from getting lost in the dark, Shackleton order ice mounts be placed around the ship. Frank Hurley place lights 20 feet talk near the ship to light the floes. Shackleton matched personality types with work assignments. This knowledge became especially help when assignments were given to route crew to specific lifeboats in the crossing to Elephant Island. Each team functioned because of the talents and strengths of its crew members. Shackleton brought these talents together in an effective manner. Shackelton wanted to place each man in a long term job that he enjoyed. Shackleton viewed each member of the crew as a human being and form personal relationships with them and because of this relationship he knew how to ask questions, get encouragement, and provide reminders and insights. Shackleton liked to chat with his men in the early morning hours when there was a particularly relaxed atmosphere. Shackleton was tolerant of people quirks and foibles. Shackleton showed remarkable kindness to his men and never expected his men to do more than they were capable. Shackleton encouraged crew members to focus on their strengths and not to overdo their expectations. Shackleton occasionally pampered his men in reducing high-stress situations.

The answer to this question is simple: it was the center of an important trade It was the junction of two trade routes, one east €“west and one north south The latter, which was the more important, was the one that crossed the Isthmus of Tehuantepec It was at this point that the trade from Oaxaca to the region of the Gulf of Mexico was transferred from the Pacific to the Atlantic slope

This route had two branches, one of which went to the Gulf of Mexico and the other to the Valley of Mexico The latter was the most important It went through the state of Oaxaca and passed near the site of the city of Oaxaca, the present capital of the state From here it went on to the valley of Mexico, where it made contact with the northern route to the center of Mexico

The trade route from Oaxaca to the Gulf of Mexico passed by the site of El Mirador Along this route in pre-Hispanic times passed an important merchandise, cacao It was this trade that led to the founding of the city of El Mirador

The cacao tree is a relative of the tropical American palm tree, the coconut palm The fruit of this tree is a pod, rounded at both ends and about the size of a large plum Inside the pod are several yellowish seeds, each about the size of a chicken egg, with a thin shell and a sweet, fatty, edible pulp

The seeds are collected and transported to the place where they are to be sold They are then roasted in an earthen oven When they are sufficiently roasted, they are removed and the shell is removed The kernel is then ground into powder, which is used in the preparation of a beverage and of a confectionery

https://www.lakechamplainchocolates.com/where-do-cocoa-beans-grow/

As was mentioned , the cacao tree was introduced into the New World by the Spaniards, who had learned about it on the Islands of the Azores and the Canaries, whence it had been brought by the Portuguese They took it to the West Indies, where it was cultivated in the 16th century From there it was brought to the mainland of America

https://www.newworldencyclopedia.org/entry/Cacao

Today we focus on oil recovery from wells with pressure and viscosity levels that make oil production from these wells uneconomical This creates a market for additives to increase viscosity, increase pressure, and make these wells more economic

The future of oil recovery from wells with high pressure and low viscosity is a new generation of additive technology that can be used to increase oil recovery from these wells

One technology that can be used to make these wells economic is a new generation of chemical technology that will increase the viscosity of the oil The oil will then have the same flow behavior as the oil found in the reservoir

The technology is a new generation of chemical technology that will make the oil behave like the oil found in the reservoir This technology can be used to recover a large percentage of the oil found in wells that are currently considered uneconomic