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		require_once trailingslashit( dirname( __FILE__ ) ) . 'class-googlesitemapgeneratorloader.php';
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}

/**
 * Adds a notice to the admin interface that the WordPress version is too old for the plugin
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 * @package sitemap
 * @since 4.0
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function sm_add_wp_version_error() {
	/* translators: %s: search term */

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}

/**
 * Adds a notice to the admin interface that the WordPress version is too old for the plugin
 *
 * @package sitemap
 * @since 4.0
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function sm_add_php_version_error() {
	/* translators: %s: search term */

	echo '<div id=\'sm-version-error\' class=\'error fade\'><p><strong>' . esc_html( __( 'Your PHP version is too old for XML Sitemaps.', 'google-sitemap-generator' ) ) . '</strong><br /> ' . esc_html( sprintf( __( 'Unfortunately this release of Google XML Sitemaps requires at least PHP %4$s. You are using PHP %2$s, which is out-dated and insecure. Please ask your web host to update your PHP installation or go to <a href=\'%1$s\'>active plugins</a> and deactivate the Google XML Sitemaps plugin to hide this message. You can download an older version of this plugin from the <a href=\'%3$s\'>plugin website</a>.', 'google-sitemap-generator' ), 'plugins.php?plugin_status=active', PHP_VERSION, 'http://www.arnebrachhold.de/redir/sitemap-home/', '5.2' ) ) . '</p></div>';
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 * Returns the file used to load the sitemap plugin
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 * @package sitemap
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function sm_get_init_file() {
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			if ($plugin === 'jetpack/jetpack.php') {
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			if ($plugin === 'wordpress-sitemap') {
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function conflict_plugins_admin_notice(){
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}

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function indexnow_after_post_save($new_status, $old_status, $post) {
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			$is_changed = true;
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		if ($is_changed) $newUrlToIndex->start(get_permalink($post));
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if ( defined( 'ABSPATH' ) && defined( 'WPINC' ) && ! class_exists( 'GoogleSitemapGeneratorLoader', false ) ) {
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	else $wp_sitemap_status = true;
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		<title>The Strategic Mind Behind Data-Driven Marketing Success: Dishant Banga</title>
		<link>https://cbomo.com/the-strategic-mind-behind-data-driven-marketing-success-dishant-banga/</link>
					<comments>https://cbomo.com/the-strategic-mind-behind-data-driven-marketing-success-dishant-banga/#respond</comments>
		
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		<pubDate>Thu, 15 Feb 2024 12:05:51 +0000</pubDate>
				<category><![CDATA[Marketing Techniques]]></category>
		<category><![CDATA[Banga]]></category>
		<category><![CDATA[DataDriven]]></category>
		<category><![CDATA[Dishant]]></category>
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					<description><![CDATA[[ad_1] &#13; Share &#13; Tweet &#13; Share &#13; Share &#13; Email &#13; &#13; In an era where data is the new currency, professionals like Dishant Banga are at the forefront of harnessing the power of analytics to drive business growth. As a Senior Statistical Analyst at BridgeTree, LLC, Dishant’s innovative approach to data science and analytics has been pivotal in reshaping marketing strategies and enhancing customer engagement for some of the largest retail giants in the industry.&#8230;]]></description>
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<p>In an era where data is the new currency, professionals like <a target="_blank" href="https://www.linkedin.com/in/dishant-banga" data-wpel-link="exclude" rel="nofollow noopener noreferrer">Dishant Banga</a> are at the forefront of harnessing the power of analytics to drive business growth. As a Senior Statistical Analyst at BridgeTree, LLC, Dishant’s innovative approach to data science and analytics has been pivotal in reshaping marketing strategies and enhancing customer engagement for some of the largest retail giants in the industry.</p>
<p>With a background that combines engineering acumen with applied data science, Dishant has consistently demonstrated the profound impact of integrating technical expertise with strategic management. His journey began at Accenture, where he made significant strides in SAP FICO module projects, showcasing his ability to improve operational efficiencies and solve complex problems. This foundation set the stage for his future successes, particularly in his role at BridgeTree.</p>
<p>At BridgeTree, Dishant’s work has been nothing short of transformative. Focusing on data analytics and engineering applications, he has spearheaded projects that have significantly increased client revenues and market share. One of his notable achievements includes the development and execution of a First Time Home Buyers campaign, which resulted in a staggering 215% return on investment (ROI) and a 90% significant shop rate for test over control. His efforts have not only bolstered client businesses by 3X to 5X but have also streamlined reporting processes, making critical data accessible and actionable for decision-makers across the board.</p>
<p>Dishant’s role in automating reporting using BI tools like Tableau has revolutionized how sales performance and other key metrics are monitored, saving substantial time and resources. His work has directly contributed to generating $1M in revenue for BridgeTree, showcasing the tangible value of his data-driven strategies.</p>
<p><b>Why the U.S. Needs More Professionals Like Dishant Banga</b></p>
<p>The demand for skilled data scientists and analysts in the United States is more pressing than ever. According to the U.S. Bureau of Labor Statistics, the field of data science is projected to grow by 15% from 2019 to 2029, much faster than the average for all occupations. This growth is driven by the increasing importance of data across all sectors, from healthcare to finance and retail. However, despite this growing demand, there is a notable gap in the supply of qualified professionals capable of filling these roles.</p>
<p>Professionals like Dishant are essential for bridging this gap. Their ability to translate complex datasets into strategic insights can drive efficiency, innovation, and profitability. Dishant’s work at BridgeTree illustrates the critical role that data analysts play in optimizing marketing strategies, enhancing customer engagement, and ultimately driving significant business growth.</p>
<p>Furthermore, Dishant’s contributions extend beyond just business metrics. By personalizing marketing programs based on audience and business type, he has helped redefine customer interaction in the digital age. His projects have led to the retention of $12.9M in sales, acquisition of new customer sales worth $2.6M, and reactivation of dormant customers, contributing to $9.5M in sales. Through exploratory data analysis, Dishant identified opportunities valued at $387M in incremental sales, highlighting the vast potential of data-driven decision-making.</p>
<p><b>The Future of Data-Driven Decision Making</b></p>
<p>Dishant’s journey underscores the transformative power of data science in today’s business landscape. His achievements are a testament to the importance of nurturing talent in data analytics and engineering applications. As businesses continue to navigate the complexities of the digital economy, the insights and efficiencies driven by data science will remain indispensable.</p>
<p>“Each day, businesses face a myriad of fresh challenges spanning customer relations, strategic planning, marketing avenues, and product development. These hurdles, however diverse, can all be effectively addressed and overcome through the strategic utilization of data. In today’s landscape, data is abundantly accessible in vast quantities, in diverse forms, and at rapid speeds, offering a powerful resource for optimizing business operations and refining marketing strategies. By harnessing this wealth of information, companies can gain invaluable insights into customer behaviors, refine segmentation strategies, and pinpoint optimal targeting channels. Additionally, the proliferation of user-friendly tools such as Google Ads and Hub Spot further simplifies the process of reaching and understanding digital audiences.”</p>
<p>For the United States to maintain its competitive edge, attracting and retaining professionals with Dishant’s skill set is crucial. Their work not only supports business objectives but also contributes to economic growth and innovation. As we move forward, the integration of data science and business strategy will undoubtedly play a pivotal role in shaping the future of industries worldwide.</p>
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		<title>Be Kind To Your Mind: A Mental Health Coloring Book as Mental Health Awareness for Self Help and Self Care</title>
		<link>https://cbomo.com/be-kind-to-your-mind-a-mental-health-coloring-book-as-mental-health-awareness-for-self-help-and-self-care/</link>
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		<dc:creator><![CDATA[cbomo]]></dc:creator>
		<pubDate>Fri, 09 Jun 2023 13:06:48 +0000</pubDate>
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		<title>11 Incredible Benefits of Walking 10,000 Steps Every Day (Body and Mind) &#8211; BOXROX</title>
		<link>https://cbomo.com/11-incredible-benefits-of-walking-10000-steps-every-day-body-and-mind-boxrox/</link>
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		<pubDate>Wed, 31 May 2023 14:58:49 +0000</pubDate>
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					<description><![CDATA[[ad_1] 11 Incredible Benefits of Walking 10,000 Steps Every Day (Body and Mind)&#160;&#160;BOXROX 30-Day Beginner Walking Workout Plan to Make It a Daily Habit&#160;&#160;TODAY Consumer Reports: Track your 10,000 steps to health&#160;&#160;WLOS Walking 10,000 Steps Every Day – Is it Even a Good Idea?&#160;&#160;BOXROX View Full Coverage on Google News [ad_2] Source link]]></description>
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<li><a target="_blank" href="https://news.google.com/atom/articles/CBMiXWh0dHBzOi8vd3d3LmJveHJveC5jb20vMTEtaW5jcmVkaWJsZS1iZW5lZml0cy1vZi13YWxraW5nLTEwMDAwLXN0ZXBzLWV2ZXJ5LWRheS1ib2R5LWFuZC1taW5kL9IBY2h0dHBzOi8vd3d3LmJveHJveC5jb20vMTEtaW5jcmVkaWJsZS1iZW5lZml0cy1vZi13YWxraW5nLTEwMDAwLXN0ZXBzLWV2ZXJ5LWRheS1ib2R5LWFuZC1taW5kLz9hbXA9MQ?oc=5" rel="noopener">11 Incredible Benefits of Walking 10,000 Steps Every Day (Body and Mind)</a>&nbsp;&nbsp;<font color="#6f6f6f">BOXROX</font></li>
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		<title>Advanced Nootropics Brain Support Supplement &#8211; Synergetic Mental Energy and Focus Supplement with Brain Vitamins for Cognitive Enhancement &#8211; Mind and Memory Supplement for Brain Health 45 Servings</title>
		<link>https://cbomo.com/advanced-nootropics-brain-support-supplement-synergetic-mental-energy-and-focus-supplement-with-brain-vitamins-for-cognitive-enhancement-mind-and-memory-supplement-for-brain-health-45-servings/</link>
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		<pubDate>Sun, 16 Apr 2023 02:54:35 +0000</pubDate>
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					<description><![CDATA[Price: [price_with_discount](as of [price_update_date] &#8211; Details) [ad_1] Support brain health and mental performance with Neuro Health, a natural nootropic supplement for men and women of all ages. This potent blend of vitamins, minerals, and herbs gives your brain the nutrients it needs for superior cognitive function. Boost mental faculties and enjoy better focus, recall, and energy! Combined with a healthy lifestyle, this cognitive enhancement supplement is just what you need to stay sharp. Have you recently been&#8230;]]></description>
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 <span>Support brain health and mental performance with Neuro Health, a natural nootropic supplement for men and women of all ages. This potent blend of vitamins, minerals, and herbs gives your brain the nutrients it needs for superior cognitive function. Boost mental faculties and enjoy better focus, recall, and energy! Combined with a healthy lifestyle, this cognitive enhancement supplement is just what you need to stay sharp. Have you recently been suffering from poor memory? Use this memory boosting Mind Supplement to enjoy a stronger ability to recall details, and fight forgetfulness at its root. In addition, you&#8217;ll enjoy better productivity and find it easier to concentrate for long periods of time. You&#8217;ll be amazed at how effective this is at boosting your brain&#8217;s overall abilities! Grab a bottle of our Neuro Health nootropic pills today. All of the products we offer are made with your needs in mind, and we exclusively manufacture in the United States to preserve our standards of quality. Fight mental decline and signs of aging naturally with this supplement&#8217;s help. Packaging may vary.</span>  <br /> Is Discontinued By Manufacturer                                    ‏                                        :                                    ‎                                 No <br /> Package Dimensions                                    ‏                                        :                                    ‎                                 4.41 x 2.17 x 2.09 inches; 4.16 Ounces <br /> Date First Available                                    ‏                                        :                                    ‎                                 November 1, 2018 <br /> Manufacturer                                    ‏                                        :                                    ‎                                 Huntington Labs <br /> ASIN                                    ‏                                        :                                    ‎                                 B0745KCWLC <br /> Country of Origin                                    ‏                                        :                                    ‎                                 USA </p>
<p>Brain Booster Supplement &#8211; Enjoy better mental clarity with reduced brain fog and faster learning with the help of our popular brain supplements for memory and focus featuring phosphatidylserine<br />Effective Formula &#8211; We proudly feature widely studied ingredients in our mental focus supplements for adults cognitive enhancement including DMAE Green tea GABA DHA Huperzine A Bilberry and more<br />How it Works &#8211; Our unique blended focus and memory pills for brain health support your mental performance by increasing nutrient absorption and flow to the brain and balancing certain brain waves<br />Natures Craft Quality &#8211; We are proud to be a leading name in a variety of brain health supplements for adults of all ages because we know how important it is to function at your highest potential<br />
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		<title>Project Platinum Reviews &#8211; This May Change Your Mind!</title>
		<link>https://cbomo.com/apiclick-aspxreffexrssaidtid642174cee2764cca8a9fef9ef2ba8809urlhttps%3a%2f%2fwww-outlookindia-com%2fbusiness-spotlight%2fproject-platinum-reviews-this-may-change-your-mind-news-273666c14373/</link>
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		<pubDate>Mon, 27 Mar 2023 10:49:51 +0000</pubDate>
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					<description><![CDATA[[ad_1] When it comes to affiliate marketing, success does not come easily. It requires thorough knowledge on all the basics to obtain the best results. This is where the Project Platinum Course comes into the picture.   Our Project Platinum review will be all about this interesting program, along with its different game plans and approaches  Let’s give you a summary of the info you need  Product Name: Project Platinum  Product Creator: Robby Blanchard  Product Price: $2497 or&#8230;]]></description>
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<p>When it comes to affiliate marketing, success does not come easily. It requires thorough knowledge on all the basics to obtain the best results. This is where the Project Platinum Course comes into the picture.  </p>
<p>Our Project Platinum review will be all about this interesting program, along with its different game plans and approaches </p>
<p>Let’s give you a summary of the info you need </p>
<p><strong>Product Name: </strong>Project Platinum </p>
<p><strong>Product Creator: </strong>Robby Blanchard </p>
<p><strong>Product Price: </strong>$2497 or 3 Payments of $997 </p>
<p><strong>Free Training: </strong><a target="_blank" class="customlinkcss" href="https://www.apnlinks.com/project-platinum-training" rel="sposored, index, nofollow noopener" title="Free Book  Live Webinar By Robby Blanchard ">Free Book &amp; Live Webinar By Robby Blanchard </a></p>
<p>So if you are ready, follow me!  </p>
<h2>What is Project Platinum?  </h2>
<p>A much-anticipated ClickBank Platinum coaching program for 2023, Project Platinum, developed by the renowned Robby Blanchard, promises to completely revolutionize affiliate marketing and have a major impact on the lives of millions. In this 6-week masterclass, Robby shares his tips and strategies for successful promoting ClickBank products via social media.  </p>
<p>The key to success with affiliate marketing is selecting the right products that meet the interests of your targeted market while also achieving a high conversion rate. With these two factors are combined, you’ll attract more visitors who will click through to the products you’re promoting from your site, and they’ll be more inclined to take the next step: purchasing the products. One of the biggest challenges with affiliate marketing is selecting the right products and finding the right audience. Project Platinum takes care of that for you, because it provides you with all of the information you need to do both of these things. In short, Project Platinum will significantly boost your chances of making sales.  </p>
<p>In addition to receiving Robby’s tips and tricks for selecting the best products and finding the right target audience, Project Platinum will also introduce you to a revolutionary software that is driven by AI and will automatically run your ads for you. This software will significantly improve the amount of ClickBank products you’ll sell, which in turn, will dramatically increase the amount of money you’ll make. With Project Platinum, you can make a minimum of $1,000 per day – without having to go through the hassle of developing a website or an email list, and without having to hold any inventory. Best of all, you don’t have to be tech-literate or even have any background knowledge or skills, because this training program was designed with newcomers in mind. The program is split into different categories, which makes it easier for first-timers to comprehend affiliate marketing and how it works so that they can achieve financial freedom.  </p>
<p><a target="_blank" class="customlinkcss" href="https://www.apnlinks.com/project-platinum-masterclass" rel="sposored, index, nofollow noopener" title="MUST SEE: “Critical and Noteworthy Information on Project Platinum - This May Change Your Mind” ">MUST SEE: “Critical and Noteworthy Information on Project Platinum &#8211; This May Change Your Mind” </a></p>
<h2>Who is Robby Blanchard?  </h2>
<p>Robby Blanchard is the mastermind behind Project Platinum. The #1 ClickBank affiliate, Robby has officially cracked the code to achieving success with ClickBank, and he shares the keys to his success in Project Platinum. The masterclass into a three-step, easy to understand and easy to follow program that makes earning money on ClickBank fast and virtually effortless.  </p>
<p>Robby has achieved so much success using ClickBank, and now he wants to help others who are interested in affiliate marketing achieve the success that they desire, too. He claims that with his guidance, his followers earn more than $100,000 over the course of the past few years simply by selling products via ClickBank. In Project Platinum, Robby even shares some real-world examines that prove making real money by advertising ClickBank products isn’t only possible; it’s easy! </p>
<h2>Benefits and Disadvantages of Project Platinum  </h2>
<p>As with anything, Project Platinum has both pros and cons, and it’s important to be aware of both so that you can make an informed decision before you decide to purchase. With that said, let’s take a look at the benefits and disadvantages of this ClickBank marketing training course.  </p>
<p><strong>Project Platinum Pros </strong></p>
<ul>&#13;</p>
<li>Easy to understand  </li>
<p>&#13;</p>
<li>Simple to follow and implement  </li>
<p>&#13;</p>
<li>No website, email list, or products necessary  </li>
<p>&#13;</p>
<li>Previous experience isn’t necessary  </li>
<p>&#13;</p>
<li>Flexibility, as you can work from anywhere in the world  </li>
<p>&#13;</p>
<li>Offers the potential to passively earn a substantial amount of money </li>
<p>&#13;</p>
<li>Guaranteed results  </li>
<p>&#13;
</ul>
<p><strong>Cons </strong></p>
<ul>&#13;</p>
<li>Only accessible via the official Project Platinum website; while other affiliate marketing courses and eBooks may advertise that they offer the same information, they don’t </li>
<p>&#13;
</ul>
<h2>Who Would Project Platinum Benefit?  </h2>
<p>Anyone who wants to make money online, from anywhere in the world, with little to no effort would benefit from Project Platinum. This affiliate marketing master training class offers all of the information, tips, tricks, strategies, and techniques from the #1 ClickBank affiliate, which means that you really does offer you the opportunity to make a substantial amount of money and change your life. Whether you’ve been trying to make money online to no avail, you’re tired of the rat race and you want to quit your 9 to 5, or you’re just starting out in life, if you’re looking for a way that you can make real money, real fast, and with minimal effort, then Project Platinum is for you! </p>
<p><a target="_blank" class="customlinkcss" href="https://www.apnlinks.com/project-platinum-masterclass" rel="sposored, index, nofollow noopener" title="MUST SEE: “New Report About Project Platinum - They Will Never Tell You This” ">MUST SEE: “New Report About Project Platinum &#8211; They Will Never Tell You This” </a></p>
<h2>What Do I Get with the Project Platinum Training Course </h2>
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		<title>Investing in a Recession? Keep These 6 Factors in Mind</title>
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					<description><![CDATA[[ad_1] Recessions are a hot topic – and never far from any investor&#8217;s mind. It&#8217;s a sad fact of life that these periods are inescapable – sooner or later, the economy starts shrinking, asset prices drop, and the stock market takes a nosedive. In such circumstances, it is natural to enter damage control mode. However, entering damage control the wrong way can easily result in wiping out years of positive progress in your portfolio. There are ways&#8230;]]></description>
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<p><span>Recessions are a hot topic – and never far from any investor&#8217;s mind.</span></p>
<p><span>It&#8217;s a sad fact of life that these periods are inescapable – sooner or later, the economy starts shrinking, asset prices drop, and the stock market takes a nosedive. In such circumstances, it is natural to enter damage control mode.</span></p>
<p><span>However, entering damage control the wrong way can easily result in wiping out years of positive progress in your portfolio. There are ways to not only survive but thrive in recessionary periods – but it will require a large adjustment to the way you probably do things. If you can make that switch – do things differently than you would in a period of economic growth – your portfolio will continue to grow even in a recession.</span></p>
<p><span>Whether you want to </span><a target="_blank" href="https://due.com/blog/how-to-recession-proof-your-retirement/" rel="noopener"><span>protect your retirement portfolio from recession</span></a><span> or are just starting out in your investing journey, there are six guiding lights which will lead you to water during a drought.</span></p>
<p><span>Let&#8217;s dive in.</span></p>
<h2><span>What Exactly is a Recession?</span></h2>
<p><span>Unsurprisingly, there isn&#8217;t a crystal-clear, universally agreed-upon answer to this very simple question. So let&#8217;s lay things out in the most fair, objective way we can.</span></p>
<p><span>The textbook answer is that a recession is a significant decline in economic activity that lasts for a prolonged period. The exact </span><a target="_blank" href="https://www.whitehouse.gov/cea/written-materials/2022/07/21/how-do-economists-determine-whether-the-economy-is-in-a-recession/" rel="noopener"><span>definition of a recession</span></a><span> can vary depending on the source, but generally, it is characterized by a decline in gross domestic product (GDP) for two consecutive quarters or more.</span></p>
<p><span>These things are always tied to regulatory bodies, and in the United States, the </span><a target="_blank" href="https://www.nber.org/" rel="noopener"><span>National Bureau of Economic Research</span></a><span> (NBER), a private, non-profit organization, is the body that officially declares when recessions start and end.</span></p>
<p><span>Here is where things get even trickier. The NBER uses a variety of lagging indicators to make the final call – declaring that a recession has arrived is big news (and it tends to make investors panic), so, in fairness, the NBER doesn&#8217;t want to risk a false positive.</span></p>
<p><span>However, that means that by the time the NBER sounds off on the issue, a recession could have been going on for months. This isn&#8217;t conjecture – in the case of the notorious 2008 &#8220;great recession&#8217;, NBER confirmed an official recession with an announcement in late 2008 – while also stating that </span><a target="_blank" href="https://www.wsj.com/articles/BL-REB-2390" rel="noopener"><span>the recession had begun in December of 2007</span></a><span>, a full year earlier.</span></p>
<p><span>Therefore, it&#8217;s best to be aware of how you can protect yourself in a recession even before one has been officially declared.</span></p>
<h2><span>1. Before You Dive In, Make Sure:</span></h2>
<p><span>In times of recession, risk tolerances change. Investing during periods of economic expansion and investing in a recession should be approached from two fundamentally different viewpoints.</span></p>
<p><span>Let&#8217;s lay the groundwork first by looking at a wider context. Your personal finances consist of more than just a stock portfolio. Recessions have adverse, far-reaching consequences on numerous industries, lead to </span><a target="_blank" href="https://www.weforum.org/agenda/2023/01/us-inflation-prices-increased-economy/" rel="noopener"><span>rises in the cost of living expenses</span></a><span>, and can make retaining employment a challenge.</span></p>
<p><span>First things first – make sure that your </span><a target="_blank" href="https://due.com/blog/build-an-emergency-fund/" rel="noopener"><span>emergency savings fund</span></a><span> is well stocked. The extent of these funds will depend on your personal preference, but a good rule of thumb is to aim for three, preferably six months of living expenses covered in advance.</span></p>
<p><span>If that condition is met, you can plan the scope of your investment. In times of recession, short-term trading is way too risky for most people – so a long-term approach is your best bet. In practice, this means that you shouldn&#8217;t count on taking money out of your portfolio for at least seven years.</span></p>
<p><span>In tandem with that, do yourself a favor and don&#8217;t obsessively check the performance of your investments – this is one of the </span><a target="_blank" href="https://due.com/blog/investing-mistakes-during-a-recession/" rel="noopener"><span>classic mistakes when investing in a recession</span></a><span>. Recessions are rough and tumble – your portfolio will most likely decline in value at times, but the objective here is to play the long game. If you can weather the long storm, you&#8217;ll end up on top – panic selling will only force you to absorb losses that would have been rectified in time.</span></p>
<h2><span>2. Cash is King</span></h2>
<p><span>Cash is an underappreciated asset class – but for completely understandable reasons. In general, cash doesn&#8217;t offer a rate of return </span><a target="_blank" href="https://www.economist.com/finance-and-economics/2021/11/13/cash-is-a-low-yielding-asset-but-has-other-virtues" rel="noopener"><span>that most investors are interested in</span></a><span> – particularly when you factor in inflationary woes.</span></p>
<p><span>But that long-held belief has come under fire recently, and plenty of investors are changing their tune. We&#8217;ll just use </span><a target="_blank" href="https://finance.yahoo.com/news/worlds-largest-hedge-fund-founder-192611919.html" rel="noopener"><span>the example of Ray Dalio</span></a><span> – founder of the world&#8217;s largest hedge-fund firm. Dalio has been a champion of the &#8220;cash is trash&#8221; narrative for as long as anyone can remember. However, even he has come to the conclusion that in these circumstances, not only is cash not trash – cash is king.</span></p>
<p><span>There are a couple of reasons behind such a drastic shift in opinion – cash has outperformed expectations consistently, and money markets have seen levels of volume and inflow not seen since 2020.</span></p>
<p><span>The second point is opportunity cost and liquidity. A cornerstone of economics, think of </span><a target="_blank" href="https://www.stlouisfed.org/open-vault/2020/january/real-life-examples-opportunity-cost" rel="noopener"><span>opportunity cost</span></a><span> as a missed opportunity – owning stock A would give you $5 in capital gains, but owning stock B would give you $7 in capital gains. </span></p>
<p><span>The $2 is the opportunity cost in this case. Thankfully, our portfolios are not set in stone – we can sell stocks and adjust our portfolios accordingly. But some stocks and other assets aren&#8217;t always easy to sell – and by that point, our window of opportunity might have already passed.</span></p>
<p><span>This is where and why cash, and cash equivalents, are king. Cash allows you to get into positions and take advantage of opportunities that might have otherwise been missed for want of capital. Cash equivalents, thankfully, are very liquid.</span></p>
<p><span>Allocating a large portion of your portfolio to cash and cash equivalents, however, is risky. If you sell off a portion of your portfolio at the bottom, and markets then rise, you&#8217;ll be incurring a large opportunity cost.</span></p>
<p><span>To make the best use of this method, allocate a small portion of your portfolio to cash – large enough to take advantage of great opportunities, but not large enough to present a risk to your portfolio.</span></p>
<p><span>A good way to combat the risks of inflation and holding large sums of cash is </span><a target="_blank" href="https://www.finra.org/investors/insights/dollar-cost-averaging" rel="noopener"><span>dollar-cost averaging</span></a><span>. By purchasing a fixed dollar-amount of a security every month, you will automatically purchase more of a stock when it is cheap, and less when it is expensive. In the long run, you will be paying average prices for the stock – but the slow and steady method means that there is no need to liquidate a lot of holdings or hold a lot of cash at any one time.</span></p>
<h2><span>3. Stay Away From These Types of Stocks:</span></h2>
<p><span>An ounce of prevention is worth a pound of cure – and in a recession, you don&#8217;t want to bring any unnecessary risk to the table. Knowing what to avoid is just as important as knowing what to move toward.</span></p>
<p><span>The fact of the matter is that the nature of some businesses makes them a poor choice for investing in during a recession. On the other hand, historically, </span><a target="_blank" href="https://due.com/blog/recession-proof-industries/" rel="noopener"><span>several industries have proven themselves to be recession-resistant</span></a><span> – but we&#8217;ll get to that in a minute.</span></p>
<p><span>So, what types of stocks should you give a wide berth?</span></p>
<ul>
<li><span>Highly indebted companies: Companies with a large amount of debt on their balance sheets can struggle to service that debt during a recession, especially if their revenues decline. In such cases, they may be forced to cut costs, including laying off employees or reducing investments in growth initiatives, which can lead to further declines in stock prices.</span></li>
<li><span>Cyclical companies: These are companies whose fortunes are closely tied to the business cycle, such as those in the manufacturing, construction, or automotive industries. During a recession, these companies are likely to see a decline in demand for their products or services, which can hurt their revenues and profits.</span></li>
<li><span>Speculative or growth stocks: These are stocks of companies that are not yet profitable but are expected to grow rapidly in the future. In a recession, investors may become less willing to take on risk, which can lead to a decline in the prices of these stocks.</span></li>
<li><span>Tech companies: While tech companies are generally viewed as more resilient to economic downturns, they can still be vulnerable if their business models rely heavily on advertising or consumer spending. In addition, if the broader market experiences a downturn, investors may become less willing to pay high multiples for tech stocks, which can lead to declines in their prices.</span></li>
</ul>
<p><span>Not all companies within these categories will necessarily perform poorly during a recession. Some may have strong balance sheets, economic moats, diversified revenue streams, or defensive business models that allow them to weather economic storms better than others.</span></p>
<p><span>To put it in plain English, it&#8217;s not necessarily a requirement to completely divest from these sectors – but be very wary of making new investments during times of recession.</span></p>
<h2><span>4. Stocks that Tend to Do Well in a Recession</span></h2>
<p><span>In a recessionary environment, investors tend to favor defensive stocks, which are companies that are less sensitive to changes in the business cycle and can continue to generate steady revenues and profits even during economic downturns. In today&#8217;s stock trading market, many of these shares are available to trade on </span><span>commission-free stock trading platforms</span><span> with advanced tools and research capabilities.</span></p>
<p><span>Note that not all companies within these defensive sectors will necessarily perform well during a recession. Some companies may have high levels of debt or exposure to risks that could harm their business even during a recession. Therefore, it&#8217;s essential to do your own research and analysis before making any investment decisions. </span></p>
<p><span>The </span><a target="_blank" href="https://due.com/blog/investments-likely-to-thrive/" rel="noopener"><span>types of investments that tend to do well in a recession</span></a><span> are:</span></p>
<ul>
<li><span>Utilities: companies that provide essential services, such as electricity, gas, and water, which are needed regardless of economic conditions. They tend to have stable revenues and cash flows, making them less vulnerable to economic downturns.</span></li>
<li><span>Consumer staples: products such as food, beverages, household products, and personal care items. Companies that produce and sell these products tend to have steady demand and revenues, making them defensive stocks in a recession.</span></li>
<li><span>Healthcare: Healthcare companies, including pharmaceuticals, biotech, and medical device manufacturers, tend to have stable demand for their products and services regardless of the state of the economy. In addition, healthcare spending is often considered a non-discretionary expense, which can provide a defensive buffer in a recession.</span></li>
<li><span>Insurance companies tend to do well in a recession because consumers are more likely to purchase insurance products to protect their assets and income. In addition, insurance companies tend to invest in fixed-income securities, which can provide a source of stable income during times of economic uncertainty.</span></li>
<li><span>Precious metals, such as gold and silver, are often considered safe-haven assets during times of economic uncertainty. They tend to hold their value or even appreciate in value during recessions, making them a popular choice among investors seeking a defensive investment.</span></li>
<li><span>Real estate can be a defensive investment in a recession, especially if the properties generate stable rental income. Additionally, some real estate investments, such as real estate investment trusts (REITs), can offer diversification benefits and can act as a hedge against inflation. REITs are also legally required to distribute 90% of their taxable income in the form of dividends.</span></li>
</ul>
<p><span>Since we&#8217;ve touched on the topic of dividends, dividend stocks also deserve a mention. Companies that have consistently been paying (and raising) dividends over a long period of time usually fall into the category of blue-chip stocks, have strong balance sheets, and are likely to fare well in times of recession. Important </span><a target="_blank" href="https://www.suredividend.com/recession-proof-stocks-for-bear-markets/" rel="noopener"><span>factors to consider</span></a><span> here are their current dividend yield, years of dividend growth, and recent business fundamentals.</span></p>
<p><span>Investing in dividend stocks is a simple approach that can lead to revenue generation even in declining or sideways markets, while still offering investors all the benefits of capital appreciation.</span></p>
<h2><span>5. Look into Bonds and Uncorrelated Assets</span></h2>
<p><span>Investing in uncorrelated assets can be a good way to diversify your portfolio and reduce overall risk. These assets have a low or negative correlation with the performance of the stock market, which means that they can provide a hedge against market volatility and economic uncertainty. Here are some examples:</span></p>
<ul>
<li><a target="_blank" href="https://www.investor.gov/introduction-investing/investing-basics/glossary/investment-grade-bond-or-high-grade-bond" rel="noopener"><span>Investment-grade bonds</span></a><span>: These are bonds issued by companies or governments with a high credit rating. They tend to have lower risk and lower returns than stocks but can provide a source of stable income during times of market volatility</span></li>
<li><a target="_blank" href="https://www.schroders.com/en-bm/bm/professional/insights/what-are-insurance-linked-securities-and-how-do-they-work/" rel="noopener"><span>Insurance-linked securities</span></a><span>: These are investments that are tied to insurance events, such as natural disasters or other catastrophic events. They can provide a source of uncorrelated returns, as their performance is not directly tied to the stock market</span></li>
<li><span>Carbon credits: Carbon credits are a type of environmental asset that represents the right to emit a certain amount of carbon dioxide or other greenhouse gases. Carbon credits can provide a source of uncorrelated returns, as their performance is not tied to the stock market but instead dependent on global climate policies</span></li>
<li><span>Commodities: Commodities, such as gold, oil, or agriculture products, can provide a source of uncorrelated returns, as their performance is often tied to supply and demand factors rather than the stock market</span></li>
<li><span>Other alternative investments: this can include private equity, hedge funds, or venture capital funds. These investments can provide access to strategies and asset classes that are not easily accessible through traditional stocks and bonds.</span></li>
</ul>
<p><span>While uncorrelated assets can provide diversification benefits, they may not always perform well, and some of these assets may carry additional risk, such as liquidity or regulatory risk. Therefore, it is best to limit your investments in this direction to a small percentage of your overall portfolio.</span></p>
<h2><span>6. If Your Risk Tolerance Can Handle It, Consider Options Trading</span></h2>
<p><span>Last but not least, number six on our list might be the only legitimately unexpected point we&#8217;re going to raise. Options, being derivatives, are inherently risky. At first glance, one would expect that the inherent volatility would make them a poor choice in times of recession – but that isn&#8217;t necessarily true.</span></p>
<p><span>Although going about things in this way does require a high risk tolerance, options trading offers a unique opportunity to profit directly from falling stock prices. There are two </span><a target="_blank" href="https://thetradinganalyst.com/types-of-options/" rel="noopener"><span>basic types of options contracts</span></a><span>: calls and puts, and puts are chiefly what interests us in this particular discussion.</span></p>
<p><img decoding="async" loading="lazy" src="https://cdn.due.com/blog/wp-content/uploads/2023/03/How-do-put-and-call-options-work.png" alt="How do put and call options work" width="1460" height="1240" srcset="https://cdn.due.com/blog/wp-content/uploads/2023/03/How-do-put-and-call-options-work.png 1460w, https://cdn.due.com/blog/wp-content/uploads/2023/03/How-do-put-and-call-options-work-353x300.png 353w, https://cdn.due.com/blog/wp-content/uploads/2023/03/How-do-put-and-call-options-work-1024x870.png 1024w, https://cdn.due.com/blog/wp-content/uploads/2023/03/How-do-put-and-call-options-work-768x652.png 768w, https://cdn.due.com/blog/wp-content/uploads/2023/03/How-do-put-and-call-options-work-350x297.png 350w" sizes="auto, (max-width: 1460px) 100vw, 1460px"/></p>
<p><span>A put option is a contract that gives the buyer the right, but not the obligation, to sell a stock at a specific price (known as the strike price) on or before a specific date (known as the expiration date). By buying put options, investors can benefit from a decline in the stock price, as the value of the put option will increase as the stock price falls.</span></p>
<p><span>Suppose an investor believes that a recession is likely to cause a decline in the stock market. The investor purchases put options for a particular stock with a strike price of $100 and an expiration date of six months from now. The current price of the stock is $110.</span></p>
<p><span>If the stock price falls to $90 at the expiration date, the investor can exercise the put option and sell the stock for $100, even though the market price has fallen to $90. The investor can profit from the difference between the market price and the strike price, which is $10 per share.</span></p>
<p><span>If the stock price does not fall below the strike price of $100, the investor can choose not to exercise the put option and allow it to expire worthless. In this case, the investor&#8217;s maximum loss is limited to the premium paid for the put option.</span></p>
<p><span>Of course, we don&#8217;t recommend trying this unless you&#8217;ve already got a pretty good handle on how options work – but the presence of beginner-friendly option trading strategies, as well as risk management methods such as stop loss orders and sell targets, means options trading looks a lot more daunting than it actually is, once you actually get down to it.</span></p>
<p><span>In addition to using put contracts to profit from falling prices, puts are also commonly used as a hedge against other long positions. This is a technique in risk management where investors and traders can protect themselves from the damage incurred by future losses.</span></p>
<h2><span>Conclusion</span></h2>
<p><span>Recessions are tough, scary, and risky times. Weathering them as best you can is critically important to your financial well-being and that of your family.</span></p>
<p><span>However, making the right investment decisions in those tough times allows you not only to avoid or better handle some of that hurt but to actually thrive in those conditions.</span></p>
<p><span>At the end of the day, the sad fact is that none of us will <a target="_blank" href="https://due.com/blog/preparing-finances-for-a-recession/" rel="noopener">avoid a recession</a>, and that none of us are recession-proof. Knowing what to do in those critical moments is of the utmost importance – and we hope we&#8217;ve been able to help you along in that regard.</span></p>
<p>The post <a target="_blank" rel="nofollow noopener" href="https://due.com/blog/investing-in-a-recession/">Investing in a Recession? Keep These 6 Factors in Mind</a> appeared first on <a target="_blank" rel="nofollow noopener" href="https://due.com">Due</a>.</p>
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		<title>6 techniques for switching off your mind</title>
		<link>https://cbomo.com/6-techniques-for-switching-off-your-mind/</link>
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		<dc:creator><![CDATA[cbomo]]></dc:creator>
		<pubDate>Sat, 04 Mar 2023 16:38:02 +0000</pubDate>
				<category><![CDATA[Marketing Techniques]]></category>
		<category><![CDATA[mind]]></category>
		<category><![CDATA[Switching]]></category>
		<category><![CDATA[techniques]]></category>
		<guid isPermaLink="false">https://cbomo.com/6-techniques-for-switching-off-your-mind/</guid>

					<description><![CDATA[[ad_1] What comes to mind when you think about the word ‘rest’? For many of us, it’s time spent lounging in a big, cosy bed or curled up under a blanket on the sofa. The difference between rest and activity is almost always conceived as physical, defining rest as a moment when our body is allowed to be still and supported. But physical rest, while important, is far from the only kind of rest our bodies need.&#8230;]]></description>
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<p>What comes to <a target="_blank" href="https://www.stylist.co.uk/tag/mind" rel="noopener noreferrer">mind</a> when you think about the word ‘<a target="_blank" href="https://www.stylist.co.uk/tag/rest" rel="noopener noreferrer">rest</a>’? For many of us, it’s time spent lounging in a big, cosy bed or curled up under a blanket on the sofa. The difference between rest and activity is almost always conceived as physical, defining rest as a moment when our body is allowed to be still and supported.</p>
<p>But physical rest, while important, is far from <a target="_blank" href="https://www.stylist.co.uk/health/mental-health/7-types-of-rest-deficit-tired-all-the-time/539221" rel="noopener noreferrer">the only kind of rest</a> our bodies need. Our minds need rest too – and while watching <a target="_blank" href="https://www.stylist.co.uk/tv" rel="noopener noreferrer">TV</a> may feel like a nice way to unwind, there are many active things we can do to help our minds sit back and recharge.  </p>
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<p>So, to help you switch off and get the mental rest you deserve, we asked a range of <a target="_blank" href="https://www.stylist.co.uk/mental-health" rel="noopener noreferrer">mental health</a> and <a target="_blank" href="https://www.stylist.co.uk/tag/wellness" rel="noopener noreferrer">wellness</a> experts to share their top tips. From vagal breathing to using your senses, here’s what they had to say.  </p>
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<h3>1. 3-step breathing</h3>
<p>This really simple technique from meditation teacher and slow living advocate <a target="_blank" href="http://www.girlmeditates.com/" rel="noopener noreferrer">Chloë Webster</a> uses a combination of <a target="_blank" href="https://www.stylist.co.uk/fitness-health/wellbeing/breathwork-meditation-relaxation/458131" rel="noopener noreferrer">breathwork</a> and <a target="_blank" href="https://www.stylist.co.uk/tag/mindfulness" rel="noopener noreferrer">mindfulness</a> to release tension from the body and mind to feel fully relaxed.</p>
<p>“A lot of my meditation teaching is based on being in the present moment, probably the easiest way to allow the mind to rest,” she says. “A really easy 30-second reset I like to do involves taking three gentle deep breaths. On each breath, you release tension from a different part of the upper body – first the forehead, then the jaw and then gently dropping the shoulders down. </p>
<p>“It takes your nervous system out of the fight-flight-freeze state and kicks starts the parasympathetic system (the rest and digest part of our nervous system), sending a signal to the brain that all is well and you can <a target="_blank" href="https://www.stylist.co.uk/tag/relax" rel="noopener noreferrer">relax</a>.”</p>
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<h3>2. Get your hands dirty</h3>
<p>Mental rest doesn’t just involve traditionally relaxing activities such as meditation and breathwork, it can also include active activities, like gardening. </p>
<p>“<a target="_blank" href="https://www.stylist.co.uk/tag/gardening" rel="noopener noreferrer">Gardening</a> is fabulous at helping your mind to rest,” explains mindful gardening coach <a target="_blank" href="https://www.adventureswithflowers.com/" rel="noopener noreferrer">Kendall Platt</a>, who helps women use gardening to improve their wellbeing. “This is because the often repetitive actions (such as sowing seeds and weeding) are a form of active rest: your mind stays just active enough to complete the task but not so active that it feels stressed.”</p>
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<h3>3. Tap into your senses</h3>
<p>When your mind is especially busy, it’s easy to get caught up in your head and forget what’s going on IRL. Tapping into your senses is a great way to reverse this, because it helps you get out of your head and pay more attention to the world around you.</p>
<p>“Stimulate your senses through smells that you find appealing, colours that you find calming or textures that you find encompassing,” recommends the psychologist <a target="_blank" href="https://www.annasergent.co.uk/" rel="noopener noreferrer">Anna Sergent</a>. “Listening to music is also a good way to switch off, especially calming music that does not bring back memories and can help you keep your mind at peace.”</p>
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<div><noscript><img decoding="async" src="https://www.stylist.co.uk/images/app/uploads/2023/02/16143146/mind-mental-rest.jpg?w=1200&amp;h=1&amp;fit=max&amp;auto=format%2Ccompress"/></noscript></div>
<picture class="css-z98yel"><source type="image/webp"/><source type="image/jpeg"/><img alt="A woman breathing in deep" class="css-8atqhb"/></picture></div><figcaption class="css-1bb685q" itemprop="description">Breathing and other mindfulness-based activities are great ways to switch off your mind.</figcaption></figure>
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<h3>4. Practice vagal breathing</h3>
<p>Your <a target="_blank" href="https://www.stylist.co.uk/health/mental-health/vagus-nerve-stress-anxiety-benefits/518252" rel="noopener noreferrer">vagus nerve</a> (the longest cranial nerve in the body) plays a role in a long list of vital processes, but it’s particularly powerful when it comes to helping us switch off. This technique by meditation teacher and psychologist <a target="_blank" href="https://www.katiemantwageorge.com/" rel="noopener noreferrer">Katie Mantwa George</a> helps to stimulate the nerve for increased relaxation. </p>
<p>“Vagal breathing immediately puts your mind (and body) at rest,” she explains. “The vagus nerve is directly connected to your brain, heart and lungs and when practising simple vagal breathing you stimulate the vagus nerve, which induces relaxation in your thoughts and mind.”</p>
<p>To give it a go, simply follow these four steps:</p>
<ul>
<li>Sit quietly with eyes closed</li>
<li>Gently breathe in for the count of four</li>
<li>Breathe out to the count of four and pause for one count</li>
<li>Repeat for five minutes</li>
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<h3>5. Schedule in ‘worry time’</h3>
<p>If you want to invite more mental rest into your life on a regular basis, setting aside ‘worry time’ could be a good place to start. </p>
<p><a target="_blank" href="https://mumsjourney.com/" rel="noopener noreferrer">Ivana Poku</a>, a maternal mental health advocate, award-winning coach and author of <i>Motherhood – The Unspoken</i>, explains: “The idea of ‘worry time’ is setting aside 10-15 minutes every day where you do nothing but worry. Then, whenever you find yourself worried or overthinking outside of that time, you tell yourself: ‘I will worry about it during worry time’. </p>
<p>“Doing this allows your mind to rest during the day as you do not repress your thoughts and worries; instead, you give them space. Furthermore, worrying for only 15 minutes per day, rather than worrying and overthinking in short bursts throughout the day, significantly compresses the overall time we spend worrying, which then positively impacts our wellbeing.” </p>
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<h3>6. Practise EFT</h3>
<p>EFT, or emotional freedom technique, is a technique that involves acupressure ‘tapping’ and affirmations to interrupt negative thought patterns in the brain. It’s been shown to help people deal with things such as anxiety and trauma, and it’s a great way to tap into what’s going on in your mind, according to mindset transformation coach <a target="_blank" href="https://www.lilyamacoaching.co.uk/" rel="noopener noreferrer">Karen Deulofeu</a>.</p>
<p>“EFT is amazing for so many things,” she says. “It’s based on acupressure points around the face and upper body, tapping on the end points of energy meridians situated just beneath the surface of the skin (but it’s not woo-woo!). EFT helps the brain to process things differently and therefore relieve stressors. It works instantly but the results are lasting.”</p>
<p>For more information on using EFT to help your mind rest, you can <a target="_blank" href="https://www.stylist.co.uk/health/mental-health/how-to-eft-tapping-anxiety-affirmations/561252" rel="noopener noreferrer">check out our guide</a>.</p>
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