Welcome to my Business Website Home page, which is by far the 'very, very best' free overall informative, educational, inspirational & entertaining website as found & viewed online on the internet anywhere in the entire World Worldwide.
Please find above the link to my new revised Business website. The current herein website will operate until Jul 4, 2023. After this time, the current herein website will expire & cease to function, to be replaced by the above website.
To be successful at whatever you choose to do in your life, you must first become a Leading Master specialist expert in your particular field, type of work, or what you are trained in or trained to be. Then, you must be the best Master specialist expert there is. Success is achieved by you when you are the only person who can effectively do what you do. You add an extra little personal touch or you achieve outstanding results that no one else can attain. No one else is able to do whatever you do in exactly the same way that you do it.
To be successful in your life you must provide massive stand out obvious good value for money in all that you do which does mean, what other people perceive as what you do actually offer as a product and/or a service is definitely worth the money price you are asking for it. You must make irresistible what you offer as a product and/or service. This does mean in a common sense intelligent perception way & an acceptable way for the general public and/or Businesses & Company Organisations to be able to happily receive.
meet all expectations & exceed all expectations of whatever you offer other people. Accomplishing this will help & sustain or maintain your definition or meaning of your success.
Then you must differentiate or make a difference or set apart
what product and/or service you offer has more value for money, that what other people offer as the same or similar product or service that you do offer.
Working hard will not necessarily ensure your success. If you are
working hard, but doing the wrong tasks, your success will escape you. When you work hard, it is imperative that you accomplish all of the correct tasks.
To be successful a person must be willing to give up something in their life to enjoy all of the
rewards of achieving success. I call this 'Paying the price.'
All people everywhere who do desire success must be willing & able to put in the required amount of effort and/or work to actually
achieve their definition or their meaning of their success; that is, what success or their version of success does mean to you and/or to them.
This 'Paying the price' or a giving up may be a Television Show or any number
of other activities or events. Instead of focusing on activities or events that are repetitive in nature & are part of your lifestyle culture, focus & concentrate on improving your method of operation skill-set in what you do in your life within
your career or business. This focus & concentration can rapidly place you at the very pinnacle of your chosen career or your chosen business activities.
Something that you currently do in your life has to be done away with or go, for you to
personally yourself recognise, achieve & maintain your own definition of your success whatever this definition does mean to you. This could be any number of activities that come your way suggesting or asking you for your attendance, your input or your
participation. Only you can choose or decide which activity has to be eliminated.
Success in any given Business venture does simply rely on this easy to understand sentence: 'Success is definitely a numbers game.'The more
potential clients or customers you contact through your Business marketing efforts will achieve a higher success rate of finding new clients or customers.
Conversely, the fewer or less potential clients or customers you contact through your Business
marketing efforts will achieve a lower success rate of finding new clients or customers. This can mean the Business does receive referrals from already current existing clients or customers active within the Business by word of mouth advertising etc. Or the
Business personnel can ask directly to the current existing clients or customers for actual referrals or new clients or customers. This method of operation does work.
Remember: Success in any local and/or Worldwide Business or any local
and/or Worldwide Company Organisation totally depends on the principle of safety in numbers & the law of averages.
To be successful in your chosen career or your Business & Company Organisation you need to understand this
one very important point & that is: To be extremely successful it is best for you to have as an example only: To receive a percentage income on or based on a larger number or amount of people producing. It is much better for you financially to receive
as an example only say ten percent income of the producing efforts of 1,000 people rather than for you to receive one hundred percent income of the producing effort of only one person.
To explain the
above: If there is one person who hypothetically produces a profit of $100 a day for their efforts & this same person (i.e., a self-employed person and/or a Business Owner) receives 100% of this profit, then what is available as a money payment
amount to this same person is $100.
Conversely & hypothetically if there are 1,000 people (i.e., as for example, employed in a Business Organisation) that eachmake $100 a day profit for this Company
Organisation then you have this equation: 1,000 people each producing $100 a day profit does equal: 1,000 multiplied by $100 which does equal $100,000 gross profit money amount.
As the owner of this Company Organisation this person who does employ the
1,000 people, if they receive a 30% gross money payment on the abovementioned $100,000 gross profit amount they will receive $30,000 as a money payment amount. A 10% net clearor a 10% money payment amount or income (as mentioned
above) is hypothetically calculated at a 10% rate after all of the Business Organisation operational costs have been deducted from the above $30,000 gross profit money amount.
So to summarise: Instead of this Business Organisation
operating on a gross profit margin of 30% after all of the necessary operational costs (to maintain the Business Organisation into the future from this same 30% gross profit money amount or $30,000) have been deducted, the actual net clear money payment amount
received by the Owner has been reduced to a 10% money payment amount or $3,000. So. Which is the much better larger amount to receive? Is it as explained above at 10% or $3,000 or at 100% or $100? Only you can decide your answer to this question.
NOTE: All of the above money amount figure calculations have been presented here in the AUD$ or the Australian dollar currency).
Another indispensable method of your daily life operation is to never everassume anything
about any given situation or about any person. You must find out personally yourself what is happening instead of making any assumptions.
Delve deeper into the given situation to find out exactly
what is causing or the actual exact causeof what is the reason or the purpose you have begun your investigation in the first place. Get all of the applicable or related facts available. Then you can effectively decide what
action or inaction is required to ensure the outcome is satisfactory for all concerned.
Sometimes your assumption may be correct. Sometimes in your assumption, you may be completely incorrect. Some people get things wrong all
of the time. Some people get things right some of the time or all of the time. These same people who may get things right some or all of the time are mainly people who do not ever assume things. Instead of assuming things they ask the right questions to the
right people to clarify & to confirm their thought processes. Asking the right questions to the wrong people is fruitless. Asking the wrong questions to either the wrong or even the right people is also fruitless. When I say or
state the wrong people here is what I do mean: The wrong people here in this particular context are people who do not have the wherewithal or means, the particular skills, professionalism or attitude you require or the money to assist you with what you are
trying to accomplish. The right people, on the other hand, do definitely possess these same key personal attributes or characteristics that you require or are looking for.
The right question or questions have its own definition or meaning or application
in any given personal and/or Business context.
It is always wise when you are communicating with another person or persons in any and all of your communication methods whether in a Business and/or a social environment context
to never abbreviate words etc in any document and/or book etc that you write in or on. Why is this? Because the recipient or the person who does read it may or may not understand your message of what you are trying to say or convey. It is always best &
safe to realise that an abbreviated word, words, phrase, phrases, title name or title names are unable to be sufficiently understood by the recipient receiving & reading your document and/or book etc. This is the reason why abbreviated words etc in a document
and/or book etc are a no-no. For example, My Worldwide Innovative Invention & Design Business is located & based in Sydney New South Wales Australia. This is why I do write New South Wales in this instance instead of the abbreviated acronym initial
capital letters NSW. If I write NSW then the recipient may or may not understand what this does actually mean, particularly if the recipient reading your document and/or book is not from Australia and/or just plainly does not understand what NSW stands for.
Myself and/or anyone else writing NSW instead of New South Wales could very well lead to a failure of understanding of your written communication to or received by the recipient or reader of such.
One more very important point to make
Whenever another person starts a verbal in person face to face conversation with you, it is always best to hear this same person out fully until they stop talking. This way you will be able to better understand what this person is really trying to say to
you. Conversely, when you yourself personally start a verbal in person face to face conversation with another person your hopes are that this same person will hear you out until you stop saying what you wanted to say in the first place or first instance.
The above very important instructions do also apply equally as well too if you & another person are communicating with each other using the various social media Instant Messaging programmes available today such as notably: Yahoo! Messenger etc, etc.
Are you prepared to do some or all of the above to achieve your definition of your success?
This is what determines & defines your success
You do not want your journey to success to be too easy. If it is, then there is
no real reward for achieving your success. You need your journey to success to stretch you enough where you are challenged with any obstacles to your success. This way, you will learn valuable lessons, that you can remember & refer to upon your success
destination. Gaining success is never easy. Following all aspects of the above definition of success, will assist you & prepare you for your challenging journey to success.
To me making money is not my goal towards gaining my success. Instead,
it is imperative to me that I succeed with all of the tasks that I am given, no matter what the size or scope of these tasks is. My reward may well be money at the start, the middle or the end of my particular life journey or Business journey.
There is nothing quite like Qualified Successful Experience
Qualified experience is what will ultimately define all aspects of your success. When I state the word Qualified, I mean that you are a qualified professional person in
your chosen career, field or line of work. This means that you have passed all applicable examinations for your chosen career, field or line of work & you have received your applicable qualifications.
From here, hard tested work experience
such as on-the-job experience will also assist you in becoming the very best you can be & become in the shortest possible amount of time. If you are a natural born leader, you will use your own volition & will research any new tasks that
come your way. This means that you will find out all you can on any new task before you 'jump in' & make a final decision as to how to accomplish this task. You must ascertain all of the outcomes that will ensue from your task affiliated actions.
Taking well-calculated risks can & do pay off handsomely. Successful experience will give you the edge when determining which risks are worth pursuing & which risks are not worth pursuing.
Your success is relatively easy if you
follow these guidelines.
Effective Time Management Skills
To me, effective time management would be the most difficult life skill to harness. It is so easy to procrastinate & say oh well I will do such & such
later. Usually later never comes or if it does come it may too late or delayed to do what you would have liked to do in the first place.
It is imperative to do firstwhat you have to do that pays you and/or
other people the largest reward. This reward may be money or may not be money. This reward is what it means to you as an individual. It may be a reward of quiet time alone or any other number of pleasant activities. You must first prioritize
all of the most important items to attend to on your agenda & then attend to these first & not second.
Then after all of the most important items to attend to or do on your agenda have been completed, if you have
any least important items to attend to or do, you can simply repeat the above-mentioned process, add & write down these least important items to do on your agenda. The mainpoint to make here is to always complete
the most important items to do first & then the leastimportant items to do next or laston your written agenda. Accomplishing this will ensure
you have the highest maximum possible chance of succeeding, as your own personal definition or meaning of what succeeding in your life does actually mean to you yourself.
Effective time management skills do definitely require you to 'get out of
your comfort zone.' It can be easy to do something & it can be easy to not do something. You have to decide which activity you carry out is going to give you your definition of the best benefits for you & other people.
What I myself personally
do find as indispensable is when I have an idea and/or something to do, I if possible immediately & quickly write this down on a piece of paper. I do purchase several large A4 sizes or similar size paper writing pads for these
rudimentary purposes. You will definitely have to practice & practice & practice some more to perfect this essential life skill of immediately writing down what is on your mind & important to do. Remember in this instance,
'It is easy to do & it is easy to not do.' I choose the option, 'It is easy to do instead of & rather than it is easy to not do.' Try doing this & you will find after a while that what you do write down as your idea or what you have to do, will
become like second nature which does mean you will find yourself doing these activities all of the time days in & days out. In the future, you will always write down your idea and/or what you have to do. You carrying out & accomplishing this one effective
time management skill will set you apart as a highly valuable person in society & will propel you to the top of your chosen field of expertise or your career.
Super-Successful people do the following day in &
1. They do not ever rush any particular tasks they may have in front of them. People who do rush things in front of them; may or may not make mistakes that will affect the outcome of any particular event or project.
2. People may or may not change their minds on any particular subjects and/or objectives that come their way. Super-successful people readily do understand that if they themselves or another person do change their mind about anything
the actual person who is aware of this or in fact in charge of this change or those changes, must adapt very quickly to this or those changes under a given circumstance, for the purpose to ameliorate or make
better the situation in front of them.
Here is the title of a great highly regarded personal development book I have recently read. The title is ACTION! Nothing Happens Until Something Moves. The
author is Robert Ringer. The ISBN number is ISBN 1-59077-058-7. I have found this book to be indispensable & the only personal development book out of the many I have read, that suggests when you receive a no response from another
person, a Company or an Organisation in response to your proposal, ask again & again. Due to this unwavering persistence, you may receive a yes response to your submitted proposal.
The above book may be out of print to purchase
but may be available at your local book retailer or store, online, for a loan at your local library, or available at a second-hand book store or book shop. If the abovementioned book is unavailable; ask the person or persons you are requesting this book
from, where you may be able to obtain it.
"Successful and/or Super-Successful people definitely do know what they are doing in & within their lives. They make sure 100% that they do know what they
Today's Day & Date: Tuesday the 6th of December 2022.
(Please click on the below-mentioned link to view & read this Newsworthy news Youtube video article).
Today's Day & Date: Wednesday the 15th of December 2021.
(Please click on the below-mentioned link to view this Newsworthy personal development webinar video, etc article, on how to increase
your confidence within your career, applicable to both men & women).
These pictures show you the current prevailing currency banknotes in circulation for Australia.
Today's Day & Date: Wednesday the 30th of November 2022.
The importer pays the exporter or the exporter receives payment for their exported goods/services from the importer
* If the currency value of the importer is
high, then the price it pays for the exports it is importing is less, hence more exports are bought from the exporter which equates to more revenue for the exporter. This lower cost for imported raw materials/goods/services into the importing country equates
to lower domestic prices for these finished goods/services, which is more favourable for households in the importing country.
Due to the currency value of the importer being high, the exporter receives less money for their exported goods/services &
subsequently less profit.
* If the currency value of the importer is low, then the price it pays for the exports it is importing is more, hence fewer exports are bought from the exporter which equates to less revenue for the exporter. This
higher cost for imported raw materials/goods/services into the importing country equates to higher domestic prices for these finished goods/services, which is less favourable for households in the importing country.
Due to the currency value of the
importer being low, the exporter receives more money for their exported goods/services & subsequently more profit.
* If the currency value of the exporter is high, then the price the importer pays for the exports is more, hence fewer exports
are bought from the exporter & less revenue for the exporter. This higher cost for imported raw materials/goods/services into the importing country equates to higher domestic prices for these finished goods/services, which is less favourable for households
in the importing country.
Due to the currency value of the exporter being high, the exporter receives more money for their exported goods/services & subsequently more profit.
* If the currency value of the exporter is low, then
the price the importer pays for the exports is less, hence more exports are bought from the exporter & more revenue for the exporter. This lower cost for imported raw materials/goods/services into the importing country equates to lower domestic prices
for these finished goods/services, which is more favourable for households in the importing country.
Due to the currency value of the exporter being low, the exporter receives less money for their exported goods/services & subsequently less profit.
* 1. For domestic producers, if their currency value is low, then they pay more for locally produced goods/services.
* 2. For domestic producers, if their currency value is high, then they pay less for locally
* The reason & explanation for * 1. above, is because the buyer of these finished produced goods/services will pay more than usual for these goods/services, due to the weak domestic currency. The rate of this payment increase
is determined by the higher input costs from the producer & the overall demand rate for these produced goods/services. Higher demand usually equates to higher prices.
* The reason & explanation for * 2. above, is because the buyer of these
finished produced goods/services will pay less than usual for these goods/services, due to the strong domestic currency. The rate of this payment decrease is determined by the lower input costs from the producer & the overall demand rate for these
produced goods/services. Lower demand usually equates to lower prices.
I fully believe wholeheartedly that the entire economy of Australia will become the dominant & most prosperous anywhere in the entire world due to my exclusive proprietary fuel-free,
self-charging steam-powered vehicle & electricity-producing device apparatus inventions & designs.
This will increase the likelihood that demand for the Australian dollar (AUD$) & Australian investable assets such as Government, Corporate
bonds, Company stocks or shares, Real Estate etc will increase exponentially as safe haven investments.
Overseas international currency exchange rates explained
When a new steam-powered vehicle is purchased outside of Australia
& if the currency exchange rate of the Australian dollar is lower against the paying currency outside of Australia when converted to Australian dollars, this decreases the amount paid, so the confirmed licensee in Australia makes less money due to this
unfavourable exchange rate conversion difference but with more future ordered vehicles, which will increase future revenue & profit for the licensee.
The reverse is also true in that if the Australian dollar increases its exchange rate compared
to the paying currency outside of Australia, the confirmed licensee in Australia will decrease future revenue & profit for the licensee, due to the increased amount paid for the vehicles, with less future ordered vehicles, which will decrease future
revenue & profit for the licensee.
The reverse is also true in that if the Australian dollar decreases its exchange rate compared to the paying currency outside of Australia, the confirmed licensee in Australia will increase future revenue &
profit for the licensee, due to the decreased amount paid for the vehicles, with more future ordered vehicles, which will increase future revenue & profit for the licensee.
Currency exchange rate benefit when exporting goods and/or
services from Australia
When the local currency for Australia increases its exchange rate with another currency outside of Australia, while this overseas international currency also increases its currency exchange rate in the same amounts
as each other, then any benefit of a low Australian dollar currency exchange rate against a currency outside of Australia has the same effect as the low Australian dollar currency exchange rate to a currency outside of Australia initially has.
1. If the currency of the importing country importing products/services exported from Australia increases at a rate higher than the currency exchange rate of Australia which remains unchanged, the importing country benefits more
because the imported goods/services cost less & hence will generate more profit for the importer when these goods/services are resold to the end-user.
2. If the currency of the importing country importing products/services exported from Australia
decreases at a rate lower than the currency exchange rate of Australia which remains unchanged, the importing country benefits less because the imported goods/services cost more & hence will generate less profit for the importer when these goods/services
are resold to the end-user.
3. If the currency of the importing country importing products/services exported from Australia increases at the same rate as the currency exchange rate of Australia decreases, the importing country benefits more because
the imported goods/services cost less & hence will generate more profit for the importer when these goods/services are resold to the end-user.
4. If the currency of the importing country importing products/services exported from Australia decreases
at the same rate as the currency exchange rate of Australia increases, the importing country benefits less because the imported goods/services cost more & hence will generate less profit for the importer when these goods/services are resold to the end-user.
Currency exchange rate benefit when importing goods and/or services into Australia
When the local currency for Australia decreases its exchange rate with another currency outside of Australia, while this overseas international currency
also decreases its currency exchange rate in the same amounts as each other, then any benefit of a high Australian dollar currency exchange rate against a currency outside of Australia has the same effect as the high Australian dollar currency exchange rate
to a currency outside of Australia initially has.
The clear message when importing, exporting goods & services
Whichever country has a higher currency exchange rate compared to a country that has a lower currency exchange
rate, the country with the higher currency exchange rate benefits the most when importing because these imported goods and services cost less.
Conversely, whichever country has a higher currency exchange rate compared to a country that has a lower currency
exchange rate, the country with the lower currency exchange rate benefits the least when importing because these imported goods and services cost more.
Overseas international investing, currency exchange rates further explained
When one country invests in another country's assets, the investing country receives the benefit if its currency exchange rate is lower compared to a higher currency exchange rate of the invested country (for example an investor located in Australia invests
in the U.S.A.), when payment of any increased monetary benefit is repatriated back from the invested country of the U.S.A. to the investing country which in this case is Australia.
Another example is an investor located in the U.S.A., who invests in
assets in Australia, the currency exchange rate from the USD$ (US dollar) to the AUD$ (Australian dollar) creates more AUD$ when the USD$ is initially invested in Australia, so whatever the investor in the U.S.A. is investing in Australia automatically costs
less for the investor in the U.S.A. because of their higher USD$ (US dollar) currency exchange rate compared to the AUD$ (Australian dollar).
When the payment of any increased monetary benefit is repatriated back from for an example the invested country
of Australia to the investing country of the U.S.A., if the currency exchange rate of the USD$ to the AUD$ at this time remains higher than what this currency exchange rate was upon the initial investment, these monetary payments will be higher than what was
initially invested. If the currency exchange rate from the USD$ to the AUD$ is lower at the time when initially invested, the monetary repatriation amount from Australia to the U.S.A. will be a less monetary payment amount than what was initially invested
from the U.S.A. to Australia.
If the currency exchange rate from the USD$ to the AUD$ is the same at the time when initially invested, the monetary repatriation amount from Australia to the U.S.A. will be the same monetary payment amount that was initially
invested from the U.S.A. to Australia.
These examples apply to all countries around the world.
Always tax imports & never exports explained
The sole reason why it is legitimate to tax imports into a country is that
it serves as a punishment for the importing country for not producing the imported goods or services in their own country. If they did, then an import tax or tariff would not apply.
Any incidence of taxing exported goods or services makes no sense whatsoever
because the country producing the goods and/or services to be exported has deployed the necessary skilled personnel, equipment, production facilities, capital, etc required for this production, so they thoroughly deserve all revenue & profit derived from
these produced exported goods or services. A levied export tax takes away from & diminishes this conscientiously earned export revenue & profit.
When one country raises its interest rate, it creates inflation in another country
As an example as the U.S.A. raises its interest rate compared to Australia whose interest rate has also increased, the importer of goods and/or services into Australia from the U.S.A. has a less favourable interest rate to pay the
exporter in the U.S.A. when using financial loans from the U.S.A. to pay for these imported goods and/or services, as the cost of these imported goods and/or services costs more. This increase in costs can be compensated usually in only three ways: The 1st
is for the importer to absorb these extra costs & not increase the cost price of these imported goods and/or services. The 2nd is for the importer to pass on these increased costs to the end purchaser as increased prices for these imported goods and/or
services, which if they do, causes inflation in the importing country of Australia. The 3rd is for the importer to cancel orders of goods and/or services from the U.S.A. & order these same or similar goods or services from another supplier located in another
country that has not raised its interest rates, thereby offering a more favourable less cost purchasing interest rate for the importer when using financial loans in this other country to pay for the imported goods and/or services.
Another example of
when one country raises its interest rate, it creates inflation in another country explained, is when the exporting country raises its interest rate, thereby increasing the amount paid on any financial loans used to finance these exported goods and/or services.
If the exporter adds this increased payable interest to these exported goods and/or services, the importer faces higher prices than otherwise would be in their importing country, thereby creating inflation in the importing country.
The importer in any
country is always better off financially when their interest rate falls or decreases when financing these purchases using a financial loan in their importing country thereby offering a more favourable less cost purchasing interest rate.
in any country is always worse off financially when their interest rate rises or increases when financing these purchases using a financial loan in their importing country thereby offering a less favourable higher cost purchasing interest rate.
value high versus currency value low
Overall a country is better off financially when its currency is high versus when it is low. All of the above different currency explanations individually explain this financial environment in more detail.
The unchanging pattern of real estate property prices
The lower the interest rate is on a housing financial loan, the more demand there will be for a first home, apartment buyer, home, apartment buyers, investment property purchases
which in turn increases these property prices. As soon as these interest rates increase this demand is reversed or less & subsequently those same property value prices decrease. This pattern explanation is consistent around the world.
or lower interest rates explained
Whenever a central bank of a country raises the prevailing interest rate, it does so because the economy is growing too fast (as indicated by GDP [Gross Domestic Product] growth) & subsequent inflation
(i.e., the increase in prices) is growing beyond normal expectations. Inflation only affects people who cannot afford increased prices of goods/services, plus also those who spend & not save any windfall income they receive. If a person lives a modest
life & saves, invests this windfall income instead of spending it, inflation does not affect them, which is exactly the same as a no consequence low or no inflation environment as mentioned below.
Whenever a central bank of a country lowers the
prevailing interest rate, it does so because the economy is growing too slow (as indicated by GDP [Gross Domestic Product] contraction), non-subsequent inflation is not growing beyond normal expectations. Deflation or a decrease in prices is another reason.
One nonsensical way to reduce inflation or the increase in prices
One country may reduce or eliminate import tariffs or taxes on goods/services imported into their country as a method to halt inflation in their country. Doing so
will reduce the price paid for these imported goods/services. This method to reduce inflation is certainly not mine as you can read above in the upper title heading Always tax imports & never exports explained
My simple, proven,
trusted method to reduce inflation in any safe, selected country is to professionally mass-produce, make or manufacture my exclusive proprietary innovative, smart, affordable fuel-free, self-charging steam-powered vehicle & electricity power-producing
device apparatus inventions & designs right here in Sydney New South Wales (NSW) Australia, for local, intrastate, interstate & international export markets.
This can only ever be accomplished by my previous 46 years of extensive Automotive
experience as an automotive engineer & unrivalled successful comprehensive experience in Business, by utilising exclusive, proprietary automated robotics within the envisaged Sydney Australia development & production plant facility, which in turn will
dramatically reduce operating costs within this facility, which translates to lower-cost vehicles, electricity bills to all buyers & clients.
The benefits & not benefits (i.e., detriment) of when interest rates increase & decrease
1. If a person lives within their means, such as having no outstanding loans & own their investments, they will benefit if interest rates increase in a given country due to earning more interest money on their financial investments such as savings account
& bond holdings etc.
If interest rates decrease, they will not benefit as much as when interest rates increase because they will earn less interest money on these investment types.
2. If a person does not live within their means, such as
having outstanding loans & does not own their investments, they will not benefit if interest rates increase in a given country due to paying more interest money on these loans.
If interest rates decrease, they will benefit more than when interest
rates increase because they will pay less in interest charges on their loans.
A lower currency exchange rate is great for the tourism sector in a country that has a decreased currency exchange rate compared to another country's currency exchange
1. When the currency of a country is lower compared to another country & the residents of this other country intend to visit the country with the lower currency exchange rate, the visiting country residents when converting
their higher currency to the lower currency (exchange rate) benefit more because they receive more local money or currency to spend in the visiting country & hence spend less of their own money in the visited country.
2. When the currency of a country
is higher compared to another country & the residents of this other country intend to visit the country with the higher currency exchange rate, the visiting country residents when converting their lower currency to the higher currency (exchange rate) benefit
less because they receive less local money or currency to spend in the visiting country & hence spend more of their own money in the visited country.
A higher currency exchange rate is not great for the tourism sector in a country
that has an increased currency exchange rate compared to another country's currency exchange rate explained
1. When the currency of a country is higher compared to another country & the residents of this country intend to visit
the country with the lower currency exchange rate, the visiting country residents when converting their higher currency to the lower currency (exchange rate) benefit more because they receive more local money or currency to spend in the visiting country.
2. When the currency of a country is lower compared to another country & the residents of this other country intend to visit the country with the higher currency exchange rate, the visiting country residents when converting their lower currency to the
higher currency (exchange rate) benefit less because they receive less local money or currency to spend in the visiting country.
Inflation explained continued
1. If the prices of goods and/or services in a country increase, the
purchaser has to pay more for the domestically produced local goods/services. This extra money required to pay for these goods/services is also defined as inflation. This is because the producer of the local products/services may have had to pay higher input
prices such as raw materials (feedstock) possibly imported, electricity, natural gas, transport fuel costs, rent, loan interest repayments, wages, manufacturing facility, machinery upgrade costs etc to manufacture & provide these local goods/services.
It takes more money for the purchaser to pay for these increased goods/services prices & thereby creating a diminished purchasing value or power of their local currency.
2. If the producer of these domestically locally manufactured goods/services
does not pass on any increase in these input costs to the purchaser but instead absorbs them due to an efficiently managed Business, the purchaser does not pay more for them in real terms, but instead, the producer does. In a period of high inflation for other
goods/services, but not these particular locally produced goods/services, the producer will benefit immensely due to increased sales of these products/services because they did not increase these prices, so the purchasers buy more of what they are selling
(more demand) which in turn increases the total revenue & profit earned per product/service item (more supply).
The EUR€ (Euro) to the USD$ (US Dollar) currency exchange rate & vice versa explained
1 a). As
of today, Saturday the 11th of June 2022 the Euro currency exchange rate to the US Dollar is one Euro equals or buys 1.05 US Dollars.
1 b). This equates to or means that one Euro buys more of a US Dollar-denominated product and/or service, which benefits
the payer of the Euro currency because the payer pays less in their Euro currency for US Dollar-denominated financial transactions.
2 a). As of today, Saturday the 11th of June 2022 the US Dollar currency exchange rate to the Euro is one US Dollar equals
or buys 0.95 Euro.
2 b). This equates to or means that one US Dollar buys less of a Euro-denominated product and/or service, which does not benefit the payer of the US Dollar currency because the payer pays more in their US Dollar currency for Euro-denominated
Demand versus supply, benefits & no benefits explained
A low supply (i.e., a lack of competition) of any finished product/service usually equates to a higher price to be paid for these goods/services.
Higher prices exist because demand is high & so consumers will pay the higher prices. If demand is lower than anticipated, consumers will go without these goods/services & not pay the higher prices.
The providers of these finished goods/services
do benefit due to the higher prices & higher volumes (revenue) & profit (final price mark-up) they receive.
A high supply (i.e., no lack of competition) of any finished product/service usually equates to a lower price to be paid for these goods/services.
Lower prices exist because demand is low & so consumers will not pay the lower prices. If demand is higher than anticipated, consumers will not go without these goods/services & pay the lower prices.
The providers of these finished goods/services
do not benefit due to the lower prices & lower volumes (revenue) & profit (final price mark-down) they receive.
Inflation repercussions explained
Inflation or the increase in prices stems from a lack of supply, an increase
in demand and increased input costs passed onto the end purchaser from the producer. Inflation really only affects people who do not live frugally. People who live frugally cut back on spending in areas where other people affected by inflation do not.
It is unwise for a producer of goods/services to increase their prices for end purchasers just because the inflation rate is increasing. It is on the other hand wise for a producer to efficiently & effectively manage their Business enterprise, so as
to contain inflationary pressures, until a year-on-year inflation rate increases substantially from the prior year, which in this case, it is wise to increase prices for the end purchasers or consumers & wages or salaries for the personnel producing these
If the current inflation rate has not increased markedly from the prior year's rate of inflation but instead remains static or the same as the prior year, prices for the produced goods/services must stay the same as the previous year's
Nothing more worries the astute end purchaser or consumer than having to pay more for goods/services due to an increased inflation rate in a given country. Keeping these prices in check is the absolute maximum priority for all producers, as
if they do, sales will dramatically increase in a high inflation rate period & will possibly decrease in a high inflation rate scenario if they increase these prices. Increased sales equate to increased revenue which equates to increased profit for the
The highest input cost for any Business enterprise today is the salaries or wages of their personnel. Professionally extensively trained competent personnel always lead to massive productivity improvements & a reduction in overall costs
within these Businesses.
Keep in mind that as the current inflation rate increases to the point where the central bank of a country increases interest rates as an attempt to quell high inflation, the frugal investor benefits the most & earns more
interest money income on their specific financial investments such as savings accounts, bond holdings etc. Unfortunately, people who have high personal and/or residential property, business mortgage debt levels benefit the least as interest rates increase.
However, the clever business owner or manager who is efficient & effective at controlling costs in their business during a high inflation rate environment & even though they may have these debts, their proficiency at managing their business enterprise,
balances out any possible increased interest rate payments they must make to an equilibrium condition.
Think of my new exclusive proprietary innovative fuel-free, self-charging steam-powered vehicle & electricity-producing device apparatus inventions
& designs as money-saving, time-saving, planet-saving thoroughly appreciating investments.
The clear message here is to make sure you manage a lean cost-effective Business enterprise, otherwise, an increased inflation rate will constantly
be at the front of your mind as you go about your business activities.
Additional information regarding foreign currency transactions explained
1. The higher the prices paid by consumers in their home country for finished goods/services
produced locally, due to a lower currency value (in other words more of their home currency is required to pay the higher prices) creates the possibility of the home country importing lower-cost equivalent or comparable goods/services so as to alleviate the
pressure of the higher prices with lower prices.
2. When a Business Company Organisation in one country expands to further the operations of this Business overseas, any repatriated profits generated overseas from this expanded Business enterprise to
the home country will be more if the currency exchange rate in the home country is lower compared to the higher currency exchange rate of the overseas country. The reverse is also true, if the currency exchange rate in the home country is higher compared to
the higher currency exchange rate in the overseas country, any repatriated profits from the overseas country to the home country will be less.
The only real proven way to effectively manage inflation (rising costs)
is a result of a producer of goods/services increasing their prices for the consumer due to a sudden increase in their input prices & high demand for these finished goods/services.
If a smart efficient producer absorbs some or all of these increased
input prices & demand is stagnant, inflation does not occur.
The ultimate key objective for my Business enterprise is to always effectively
manage any increase in input costs & keep demand high, while not increasing the prices paid for my exclusive proprietary innovative fuel-free, self-charging steam-powered vehicle & electricity power-producing device apparatus inventions & designs
during high & low inflation periods. This is what works in Business by increasing demand, with a notable subsequent increase in revenue & profit. All other methods in any Business enterprise to contain rising prices (inflation) by simply charging more
for the end-produced goods/services will fail every time.
What do central banks around the world do to contain inflation?
* Most central banks around the world raise or increase interest rates with the intent to slow wage, price
growth & with the objective to reign in demand which usually but not always reduces inflation or price increases.
* The superior quality, money, time-saving, environmentally friendly, price affordability features & benefits of the products/services
a company organisation produces determines the demand from its end consumers, not necessarily the increased rate of inflation, with its sometimes usual immediate resultant reduction in demand.
The relevant point to make
supply is not intended to even out demand. Demand is always a direct result of the desires an end consumer has to buy a good/service.
Please click on the two below links to learn about Incoterms:
An overseas Business Company Organisation with a branch office in another overseas country
converting currency explained
An example, if a U.S.A., based Company Organisation has a branch office in Australia & wishes to convert the earnings in Australia which is Australian dollars (AUD $) to American dollars or (USD $), the higher
the (AUD $) is the better it is for this currency conversion to American dollars (USD $) because more (USD $) will be converted from (AUD $) to (USD $). It is also more beneficial if the (USD $) is lower in its currency exchange rate
compared to the (AUD $) because this will convert more (USD $) from (AUD $) to (USD $).
An example, if an Australia based Company Organisation has a branch office in the U.S.A. & wishes to convert the earnings in the U.S.A.,
which is American dollars to Australian dollars or (AUD $), the higher the (USD $) is the better it is for this currency conversion to Australian dollars (AUD $) because more (AUD $) will be converted from (USD $) to (AUD $). It
is also more beneficial if the (AUD $) is lower in its currency exchange rate compared to the (USD $) because this will convert more (AUD $) from (USD $) to (AUD $).
These two currency conversion examples apply to all countries
around the world.
Here is my very own personal definition or meaning of 'real inflation'
1. Inflation is when a Company Organisation has an additional expense incurred within its operation such as a new technology rollout such
as a telecommunications company utilising the 5G technology standard. These costs are either absorbed by these company organisations and/or passed on, transferred or spread out to their total retail clients. If they decide to transfer these costs in part or
whole to their end-users (clients), this will increase the system usage costs for these users & as such is called inflation.
2. Inflation is when a company organisation is exposed to increased raw material, energy, wage or salary etc input costs.
Smart efficient lean managed companies marketing & selling a high-quality unique innovative affordable niche market product/service in very high demand are less likely to feel the impact of these increased costs compared to a company that has a low demand
range of products/services that ultimately will.
3. Inflation is not simply when a company organisation increases the prices of its produced goods/services due to a decreased supply of raw materials (feedstock), labour & a constant static or increased
The very last practice a company organisation should implement is an increased cost to its produced products/services except as mentioned above in item number 1. If they do continually increase their prices, they will eventually price out
their clients & these clients will not purchase those products/services resulting in a no-demand condition.
If the product/service available from a company organisation has enough appeal or desire, end consumers always find the available money to
pay for them, even in a high inflation period.
What is a 'restriction of supply?' explained
Restriction of supply is simply when a producer of goods/services is unable to provide certainty of supply, due to a variety of reasons
such as a restricted input or lack of raw materials, the excessive wholesale cost of these raw materials, excessive energy, labour or wages costs, lack of demand etc. These producers attempt to increase the retail prices for these goods/services, so as to
make up for the increased input costs and lack of demand.
These producers erroneously contemplate that increasing their prices for their goods/services will somehow put them in equilibrium or balance the increased input costs & lack of demand,
which it will not.
The only way to have a balance of higher input costs is to have a high constant unchanged & increased demand for those goods/services. Less demand always equates to fewer sales, revenue & profit for the producers or manufacturers.
Producing high-quality, affordable, money, time-saving, durable goods/services is the only effective long-term method to maintain & increase demand or market share. The explicit reputation of these producers is relied upon by the end purchasers, which
will in turn attract brand loyalty, maintain & increase demand. There is no other practical sensible method to effectively achieve these metrics.
What really does cause inflation?
There are comments circulating in the Australian
Business advisory world that company profits increase inflation. Company profits can cause an increase in inflation if the Company Organisations producing a good or service pass on their increased input costs to the end consumers, thereby increasing these
prices and/or continually increase the prices for their finished goods/services, simply because their profits earned dictate this. The key to not increasing inflation is to resist passing on these costs and/or continually increasing their prices. This way
a level maintained cost pricing arises, which is how to grow sales, revenue, profit & market share for any Company Organisation, not by continually increasing prices.
It has also been said that a lack of competition increases inflation. Whilst in
an overall sense this is true, a lack of competition such as in the case of my Worldwide Business enterprise does not increase inflation because I am very cognisant of maintaining steady prices for my exclusive, proprietary, innovative fuel-free, self-charging
steam-powered vehicle & electricity power producing device apparatus inventions & designs as the only way to increase sales, revenue, profit & worldwide market share of these products/services.
Goods/services produced explained
When fewer goods/services are produced, their prices for end consumers inevitably increase, (initially due to a lack of sales) which acts to balance out any diminished state of produced goods/services & sales thereof. Increased prices, even though less
sold, equates to more revenue & profit for the producers. The key message is to have uniform reasonable prices & high sales.
When more goods/services are produced, their prices for end consumers inevitably decrease, (initially due to an abundance
of sales) which acts to balance out any increased state of produced goods/services & sales thereof. Decreased prices, even though more sold, equates to more revenue & profit for the producers. The key message is to have uniform reasonable
prices & high sales.
Low currency versus high currency & inflation explained
A low currency value makes inflation worse when paying for domestically produced goods/services & when importing these because more currency
is required, causing inflation.
A high currency value makes inflation better when paying for domestically produced goods/services & when importing these because less currency is required, causing no inflation.
Ramifications of inflation
& rising interest rates
Runaway inflation only concerns people who constantly spend money on goods/services that are not really required. If these same people studiously save & invest this unnecessary spent money in safe variable high-interest
investments, they will not excessively be affected by inflation & will receive the profound benefit when interest rates increase.
What is the real inflation rate target band?
In my personal opinion inflation should most of
the time remain at a zero percent rate. There should never be an agreed-upon 'inflation rate target range.' The reason for this is that the continual raising of the prices of produced goods/services is the dumbest thing a Company Organisation can do if they
want to maintain, increase local domestic & international market share for these manufactured goods/services. The simple, commonsense, correct, efficient, profitable way to achieve this is to sell more of what they produce. This is perpetually accomplished
by maintaining affordable, realistic prices that the end consumers pay for these quality life-changing durable goods/services.
Always look at the debt of a country to gauge its long-term success
To realise if your home country's
government is fulfilling their responsible duties in proficiently managing your tax & other income, simply look at the national debt amount. This amount will always tell the truth about the real condition of an economy of a country. The lower the debt
level as a percentage of GDP (Gross Domestic Product) Gross Domestic Product (GDP) Definition the smarter the government, whilst the higher indicates the dumber the government management.
The exports of a country propel its economy, not imports
For the economy of any country
to prosper, it must produce, manufacture & export its products/services. The more a country imports its products/services the less it flourishes.
It takes natural-born entrepreneurs like me to have enough foresight into what the world requires,
then invents, design, make & provide these high-quality, affordable, money, time-saving, highly desirable, durable commonsense products/services to the world at large. Competent entrepreneurs take the necessary carefully calculated risks to achieve success.
My exclusive proprietary innovative fuel-free, self-charging steam-powered vehicle & electricity power producing device apparatus inventions & designs will be exported the world over, which will make Australia the number one performing economy on
earth with me as the sole owner at the helm of this largest Worldwide Business enterprise.
* As of today Friday the 29th of July 2022, one Australian dollar (AUD$) buys .70 American dollars (USD$). This means it will take more AUD$ to reach one USD$. So a negative financial condition exists for
the currency exchange rate of the AUD$ when converting to the USD$.
* As of today Friday the 29th of July 2022, one American dollar (USD$) buys 1.42 Australian dollars (AUD$). This means it will take less USD$ to reach one AUD$. So a positive financial
condition exists for the currency exchange rate of the USD$ when converting to the AUD$.
Inflation affected purchases
If the proprietor of a Company Organisation increases the prices of their available products and/or services
and their existing and/or new clients do not continue to order or reorder them, raising these prices is a severe detriment to these Company Organisations due to a lack of or a decreasing sales revenue.
In some inflation instances it is better for these
Company Organisations to not raise their prices, but instead absorb these inflation-related price increases to their input prices, by managing efficient lean less costly operations, thereby not affecting their existing and/or new clients from purchasing their
products and/or services, due to their continuing future purchases. Static and/or increasing sales revenue, as a result, will follow. In this example decreasing sales revenue will not apply.
If possible, it is best if the proprietor waits for price
deflation or a price decrease, price normalisation from a price inflation perspective to occur, however long this will take.
Additional definitions or meanings of the word inflation
Any increase in the interest rate paid on loans
and bonds by a private, government or corporate borrower, is inflation.
Any losses on worthless delinquent financial loans, bonds, stocks,
real estate investments and commodities etc are also inflation because reinstating the creditworthiness and value of these financial instruments (i.e., adding additional money) is determined to be inflation.
Additional information regarding
imports & exports
When a country has a lower currency exchange rate compared to another country's currency, this creates a worse financial condition for the importer, because these import prices require more of their currency to pay for
them. These import prices become more expensive for the importer to pay.
When a country has a higher currency exchange rate compared to another country's currency, this creates a better financial condition for the importer, because these import prices
require less of their currency to pay for them. These import prices become less expensive for the importer to pay.
When a country has a lower currency exchange rate compared to another country's currency, this creates a better financial condition for
the exporter, because these export prices require less of the importers' currency to pay for them. These export prices become less expensive for the importer to pay. This rule applies even if the importer decides not to increase its order volume amount, due
to the less it pays for these imports.
When a country has a higher currency exchange rate compared to another country's currency, this creates a worse financial condition for the exporter, because these export prices require more of the importers' currency
to pay for them. These export prices become more expensive for the importer to pay. This rule applies even if the importer decides not to increase its order volume amount, due to the more it pays for these imports.
Suppliers of goods and/or services raise or increase their prices because they know they can achieve or 'get away' with this. If suppliers of goods and/or services did not raise their prices, then there will be no inflation. This
equates to the non-requirement to constantly increase the wages or salaries of employed personnel, to keep up with & surpass the rate of inflation.
My naturally inherent business philosophy is to always remunerate personnel commensurate with their
skills, work experience & then more, so as to set them apart from all other people.
If due to a constant raising of products and/or services prices, the demand for these will reduce, as a large business owner, it makes more simple business sense
to not increase their prices, thereby still creating a massive demand for them, even though other suppliers of similar products and/or services increase their prices with a possible reduction in demand for these, with the resultant decrease in sales revenue
& operating profit.
High-volume, low-cost, efficient, exceptionally durable, beneficial, quality sales are the only method to create a sustainable path to static and/or increasing revenue & profit.
Wage or salary rises are apparently
so-called 'inflationary' but are they really?
Wage or salary rises are only inflationary if the beneficiaries of these spend these increases instead of saving them. If the beneficiaries of these wage rises do not spend these increases but instead
save them, no inflation occurs because the sellers of products and/or services do not increase their asking prices (i.e., inflation) because of a decrease in demand from the general public who save, invest & do not spend these wage or salary increases.
Relevant internal links to my Worldwide Business website
Please click or tap the below-mentioned URL website link addresses to read about & watch timely relevant video messages, about how to learn & apply a simple but highly effective method
to gain the level of your success when applying for new vacant employment positions.
'How does an illegal Ponzi scheme function explained'
Today's Day & Date: Sunday the 29th of May 2022.
If there is initially one investor in a Ponzi scheme scam, they invest their funds into the scheme & these funds are only ever returned to them if one more new investor joins the scheme
& also invests their funds. As long as the 2nd investor invests more than the amount the 1st investor invested, these funds are simply transferred or paid to the 1st investor, so the 1st investor recoups their principal amount & interest earned from
the amount increased over the amount that the 1st investor invested or the principal amount.
For example, if the 1st investor invests $10 & the 2nd investor invests $12, this amount of $12 is completely returned & paid to the 1st investor paying
them $12 in interest payment. The 1st investor now has a total of $22 ($10 initial principal amount invested plus $12 interest payment amount which equals $22). This equates to a 120% return on their initial principal investment amount of $10.
example will flow onto the fifth investor in the scheme, however, if there are no more new investors beyond the fifth, the money stops flowing to the fifth investor, so the fifth investor loses their total principal invested amount of funds & forgoes any
future interest payment which both would normally be derived from the 6th investor.
The above examples are exactly the same as if all investors in the economy of a country such as government and/or corporate bondholders etc immediately
stopped investing their money & as mentioned in my below quote, sold these bonds, etc.
130. "If the investors in the
economy of any country worldwide liquidate or turned into cash their debt holdings such as selling their bonds, recalling any outstanding financial loans, etc, in the country where these funds are invested, are they (the governments, etc) able to immediately
repay the principal & interest amounts to these investors based on their current Gross domestic product (GDP) without borrowing more money? If not, then the economy of that country is a pure Ponzi scheme. If yes, then it is not. A Ponzi scheme apart from
being illegal will fail spectacularly every time."
Today's Day & Date: Sunday the 23rd of October 2022.
Today, increased productivity is the only prerequisite for sustained supreme success in any Business Organisation. This is attained by eliminating the highest cost in any business, personnel.
For example, does your business really need a personal secretary or assistant to answer incoming communications such as telephone calls, etc, when you as the owner of the business can do this yourself? This is just one simple but profound method to increase
productivity & reduce the operational costs of any business.
Someone has to pay the wages or salary etc of your current secretary & that will be your end clients who purchase your goods & services. Savings in areas of your business that
are redundant will also contribute to these unnecessary personnel costs.
The envisaged Sydney Australia new steam-powered vehicle development & production plant facility is to be the worldwide leading example of how to increase productivity, with
the absolute minimum amount of personnel employed at this facility. Modern exclusive sophisticated plant design, construction & robotics alleviate the personnel costs at this plant, by maximizing the automotive industry-leading clear net after-tax profit
per vehicle manufactured.
Sufficiently professionally trained personnel employed at this plant facility will ensure that efficient productivity
gains are always achieved by streamlining all of the operations by eliminating all duplicate human efforts while maintaining only the very highest quality standard vehicles designed, manufactured on earth for local Australian & export sales markets.
Today's Day & Date: Saturday the 29th of October 2022.
How is legitimate money created? It is created only by the inherent innate & learned skills that an individual possesses.
These skills are related to one's ability to introduce
money & time-saving solutions to the wider general public audience. From there, the creation & retention of money relies upon the ability of a person to consistently save their earned money by not spending it on unnecessary, wasteful, unstable, unreliable
investments & items. Only when a person does not live above their means, does all of the above apply in perpetuity.
Today's Day & Date: Sunday the 30th of October 2022.
(Please click on the below-mentioned link to view & read this Newsworthy news article).
Today's Day & Date: Saturday the 19th of November 2022.
Minimal or substantial demand from clients is the only prerequisite for supreme success in any business venture.
How do you maintain
& increase demand in any business enterprise?
This is very easy to achieve. The only method to achieve this is to offer your products & services to your clients that are always completely unique to anything else in the marketplace.
This uniqueness comprises a very high wanting from your clients for your product and/or service. There is no other way to achieve your desired demand.
I see so many businesses here where I live in Sydney Australia that offer products or services that
can be obtained elsewhere which are not really different from what is offered for sale by these businesses. This is where the problem exists. Unless your product and/or service is completely proprietarily different in all ways from what else is available,
your success will not be achieved.
Ideally, invent & design your product and/or service so it is the only type available anywhere in the world marketplace. Then it must be priced fairly & marketed correctly to potential clients.
a complete waste of your time, money and resources to provide products and/or services that do not at all stand out in your marketplace. Your potential clients will widely recognise the features & benefits of your product and/or service at first glance.
My new steam-powered vehicle models & electricity power-producing device apparatuses are unlike anything else available in the marketplace & hence will attract a massive interested audience from clients all over the world because they are unable
to obtain them anywhere else but only from me. This is the plain commonsense key message. If your product and/or service solves obtaining more free time & saving money, this is what your clients desire.
Cars & electricity are pretty much used
by all inhabitants of the world, hence the massive demand for my exclusive, proprietary, innovative, low-cost, affordable, modern, safe, high technology, high quality, highly visually appealing appearance, durable, exciting, always desirable 'never seen before'
fuel-free, self-charging, batteryless steam-powered vehicle models & electricity power-producing device apparatus inventions & designs worldwide. The Automotive & Energy industries are among the largest on earth, hence this unrelenting demand &
future unmatched success.
After the initial sale of your products and/or services, the service component of your sales begins. Your completely satisfied initial clients will repeat their trade with you in what they have already purchased & also
in any future product and/or service offerings you introduce to them & the other potential new clients in the marketplace.
This is how you create an unending repeat demand for your products and/or services.
Once you have established a loyal base of clients, your suppliers are to have the expertise to be able to fulfil the supply of your products and/or services. The only way to ensure this is to very carefully select your lifelong suppliers in the first place,
who are only the very best at what they do in the world. Their reliable 'time tested' experience over many years of providing your requested products and/or services is what will set them apart from their so-called 'competitors.'
How is this achieved?
Simply by relying on a supplier that has a reputation for only providing exceptional products and/or services & who has been operating their individual business for many years. There is no other realistic way.
Mr. Craig E. Whittington.
'Five Simple, Quick & Easy Ways To Spot A Workplace Psychopath In The First Three Minutes'
Today's Day & Date: Wednesday the 4th of March 2020.
(Please click or tap the below-mentioned URL website link address to read about & watch a timely relevant video message, about how to learn & apply a simple but highly effective
method to gain the level of your success).