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      "parent_permlink": "finance",
      "author": "ogkendra",
      "permlink": "how-to-prevent-your-finance-from-devaluation",
      "title": "HOW TO PREVENT YOUR FINANCE FROM DEVALUATION",
      "body": "![Kevwe Kendra (2500 × 2500 px) (1).png](https://cdn.steemitimages.com/DQmZ8fNCAtfLnCCtwQciaKcBifnCdMDYFTzmtbjjL4fUpV3/Kevwe%20Kendra%20(2500%20%C3%97%202500%20px)%20(1).png)\n\n\nThis is a topic that I've had in mind for sometime, thinking of the best way to keep my funds, in prevention of devaluation and fear of loosing out. I am sure I'm not the only one who has thought about this considering what is going on and I decided to write about it. I'm writing this from my own point of view and experience, feel free to drop your thoughts and opinions, if you have other ideas, its much welcome.\n\n\n\nThe topic above has two key words and that's money and devaluation. As we all know, money is a form of currency that's been used to trade between people or nations. Money can also come in as a form of assets which can be traded. Different sovereign countries have their currencies, but the currencies which is been used and accepted globally in any form of trade or payment includes Euro, Pounds, Dollars, Yen just to mention few. Devaluation on the other hand is the reduction or underestimation of the worth or importance of something;  it's the deliberate downward adjustment of the value of a country's money relative to another currency, group of currencies, or currency standard. In this case, we will be looking at our Finance. We have series of questions we will be tackling which are WHAT ARE THE CAUSES OF CURRENCY DEVALUTION? ARE THERE BENEFITS OF DEVALUATION? IF YES, HOW AND WHY? IF NO, HOW DO WE PREVENT OUR SAVINGS FROM DEVALUTION. These are the questions we will be be answering with vivid explanation in a simple manner for better understanding.\n\n\n\nCAUSES OF DEVALUATION\nThere are different reasons and causes for devaluation and one of them includes Government policy of a state (Politically and economically). Devaluation is a decision that makes a currency lose value which is mostly done by government, its a monetary policy enforced by a government. How a country's currency is been devalued bores down to different reasons and one of such is how a country is producing internally and trading externally in relation to other nations. It depends on the independent survival of a nation. When a country imports most of basic items and export few of her products, there tend to be dependent on other country and when that is reversed, it causes a devalue of its currency. Other reasons why a country devalue her currencies are foreign reserves (these are the amounts of foreign currencies that the Central Bank of a nation maintain/keep to support the Naira and enable supply of foreign currencies to companies and individuals that need them), mainly to shrink trade deficit, boost export and discourage imports, and reduce sovereign debts. Another reason is the law of Demand and Supply. More money in circulation, less value, less money more value.\n\nARE THERE BENEFITS TO DEVALUATION?\nDevaluation breeds inflation. How devaluation is beneficial entirely depends on individual perception and how it favors one. If you are very familiar with the Nigerian currency, you will know what I'm talking about. For those who earn in naira and in turn buys a product or services after exchanging it to dollars or pounds or any other foreign currencies can attest to the fact that its not beneficial to them in anyway. This simply means, there will be increase in the price of commodities and services rendered and which has effect on the market. For some who earns in Pounds, Dollars, for example may not relate to the those who do in naira but above all, one thing is sure and that is, there will be an inflation which is generally affected by everyone. Inflation is neither good nor bad but its about keeping money regulated for money not to be over supplied, when there is so much money, there is inflation and when low, no inflation. Inflation is more present in our fiat than crypto. Inflation is neither good or bad.\n\n\n![Kevwe Kendra (2500 × 2500 px).png](https://cdn.steemitimages.com/DQmPwRCUUAF5hxWp6GsrCgRaqCn2gS2jbY13GNuLvNz7EcH/Kevwe%20Kendra%20(2500%20%C3%97%202500%20px).png)\n\n\nHOW DO WE PREVENT OUR SAVINGS FROM DEVALUTION\nTo protect your savings from inflation and possible devaluation, first determine your goals, time frame and willingness to take risks. It depends on how and where to invest. It also depends on the duration of your intention in saving. Are you doing this for a long term or short term. \n\nHere are practical ways to build an edge against the devaluation of your currency, protecting your income and wealth from negatively affected. \n\nSAVING YOUR MONEY IN DIFFERENT CURRENCIES BY DIVERSIFYING. Save your money in different currencies rather than in your local currencies. For example the naira, and Ghanaian cedes has seen an 100% increase within one year. The price of this currencies are doubled the price already. Imagine saving your money rather than local currencies, you have made profit already. Diversify your savings in other currencies\nCRYPTO. If you know me, you know I'm a lover of Crypto because of its endless benefits. Crypto serves as a way of savings, earning and investment. However you want to get yourself involved in Crypto, you are never losing out. While investing in Crypto, you can diversify your funds in different tokens and coins or choose a particular coins. Preferably you can save it in the fiat digital currency of Euro or Dollar and that is Usdt. Personally, I save my funds most in Bitcoin because it has proven itself to be worthy. By worthy I meant, it has increased sporadically from its early time of inception and adoption, it has given great return of investment capital. You can decide to save in Ethereum, Usdt or Busd as the case maybe. The awesomeness about saving in Crypto Bitcoin is that, it is universally accepted as a currency for trading locally and internationally. In terms of emergencies, like war, impromptu movement, unfavorable government policies etc, its always available as you can move along with it to any place and have easy access to it without thinking of making physical time and appointments in receiving your funds. Investing in cryptocurrency is very easy and fast as credible websites and mobile apps such as Binance have simplified the process. Click the link https://accounts.binance.me/en/register?ref=39528190 for registration and to get started.\nSAVE IN PRECIOUS METALS. Precious metals in this sought includes Gold, Diamonds, Real Estates etc, just to mention few. Gold has been a valuable source of wealth and prices no doubt has increased tremendously. The value of money was tied to Gold until the second half of the last century. Real Estate gained momentum in the 19th century. Saving your funds in any of these assets is also a win for you as it tends to appreciate over time.\nIn all of this, it is important you invest your money in things that are highly secured and can stand the test of time, one which has low volatility. By saving you are investing. Ensure to save in assets than liabilities. Assets are things that brings one money, liabilities spend money. So, if you are a Nigerian or you are living and earning in Naira, Ghana Cedis or you find your currency constantly reducing value, then you should key into investing in any of these assets. You may also not need to wait till your currency starts changing, you can ape in regardless. I hope this was helpful. Share your thoughts and share if you found this insightful.",
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      "body": "![WEB 3 FASHION.png](https://cdn.steemitimages.com/DQmXNp5uv54t2nWcGnTQER3oDzLz97ncmqsGcYbY4kXz8Yb/WEB%203%20FASHION.png)\n\n\n\nBefore we proceed into discussing more about this topic, I would like you to pause and take another look of the topic. For those who are yet to venture into web3 maybe wondering what this is all about. Each term will be thoroughly explained and how fashion is infused in Web3.\n\nFashion is the always-changing experience of self-expression and creativity. This isn't about creating a new product, it's about creating something that is meaningful to the individual and useful in their daily life.\n\nWeb3 on the other hand is the the generation of evolution of World Wide Web technologies where users are given the opportunity to read, write and own contents  which was previously different from every other webs ( WEB 1 - Read and WEB 2 - Read and write). These feature are distinct and its important to know that it is decentralized. That is to say, whatever you do on these websites, platforms or apps, you own your contents. Data will be interconnected in a decentralized way, which is a huge leap for everyone. Web 3.0 networks are powered by decentralized protocols to build a more equitable and sustainable web for all.\n\nIts no news that some platforms are already in existence and its cutting across various sectors of life, Health, Finance, Education and even fashion is not left. Blockchains will soon be integrated into everything, from shipping and supply chains to trade finance. Their impact is felt far beyond their current applications as a private and permissioned ledger for cryptocurrencies. Unbreakable possibilities, endless opportunities, boundless possibilities.\n\nWith fashion in Web 3, it will be capable of initiating culture, lifestyle into technology that will enhance the human interaction between curators and levels of fashion.  With the help of technology and analytics, Meta builders are able to bring new level of insight into every industry including fashion, Presenting an experience that is as unique, exciting and inspiring as the fashion itself. \n\n![Meta builders logo.jpg](https://cdn.steemitimages.com/DQmQDTvPeUM6rkTw5imXeNuVpCtNj1iZRajy9Z1jAVwxZ4a/Meta%20builders%20logo.jpg)\n\nImagine a decentralized platform where designers and buyers are brought together with the emphasis of community, user control and responsibility.\n\nA platform where both buyers and sellers are connected and paired. The truth is that the internet of things (IoT) is a powerful tool for shaping human behavior. Fashion is about human behavior, so it’s natural that we can apply various aspects of Web3 to fashion.\n\nMeta builders believes that decentralized platforms can improve the experience of fashion and give consumers more control over their data. The convenience, accessibility and user control of the decentralized web is revolutionizing the fashion industry and that is what Meta-builders are providing\n\nMeta-builders are seeing a shift in the fashion industry and are doing their part to empower designers, shoppers and artists with decentralized applications.\n\nMeta-builders are building a fashion platform that enables brands to reach their customers in new and exciting ways. We’re not just a blockchain. We’re the beginning of a new way to do business. Meta-builders is a passionate community of industry partners building in Web3 and the Metaverse. For more information about Meta-builder, feel free to visit them on \n\nWebsite: https://meta-builders.com/\nTwitter: https://twitter.com/meta_builders/media\n![meta builders 2.jpg](https://cdn.steemitimages.com/DQmaQg3hfCf5CCvAdg8PheHE6jLSLWk337RxzEKYKFQcVVB/meta%20builders%202.jpg)",
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