What Are Your Options In An Unstable Market?

Highs and lows are regular movements that seasoned traders expect in the market. One thing that makes trading so attractive is the possibility of gaining a lot from the market because of this volatility.

But many people don’t know this. And some erratic movements require urgent actions, which leads me to a question I’ve often been asked, “What do I do when the market is unstable?”

Below are some strategies you can utilize when the market is unstable.

Diversify

Your investment strategy should reflect the need for portfolio diversification. Bonds are an excellent investment if you want to ensure your financial security. Consider this: do you like a high degree of unpredictability or stability? 

If you diversify your holdings, there is a lower chance that you will lose everything if a single industry has a decline. You’ll have improved odds of making gains over time. This is because movement will occur throughout numerous sectors simultaneously, as opposed to simply one or two industries doing well individually.

Consider all variables

Be conscious that there is no such thing as a sure thing, especially in an uncertain market. Since it is impossible to know what will happen in the future, you shouldn’t base your investment decisions on just one person’s opinion or prediction.

There are too many factors from the outside world to take into consideration. Nobody can accurately predict how they will act in any given circumstance.

No rash decisions

Take your time, don’t make any hasty choices and use trusted investing apps. To give an example, you shouldn’t put all of your retirement money in the stock market. This kind of move might make sense for this year, but there is a reasonable risk that next year won’t be as good. 

Begin with baby steps, and continually expand upon the foundation you’ve already established. Don’t put all your eggs in one basket; hope to win the jackpot.

Pain tolerance

Talking to a financial specialist is a good idea if you find it particularly tough to stomach the current market downturn, even though no one enjoys watching prices move against them.

You might conclude that a more cautious investment mix can calm your nerves while allowing you to progress toward your monetary objectives.

Remember the cardinal rule

When prices rise, it is an excellent time to sell, but when prices fall, it is a good time to buy. There is a good reason why people quote that all the time! 

If there is ever a chance to earn any gains on stock prices, then you should take advantage of the opportunity. However, you should avoid selling too quickly because nobody can predict the future, especially in an unpredictable market.

Change your view to a long one.

The market tends to go up and down, and if you invest for a long time, you should prepare yourself to face multiple substantial falls throughout your career. Compared to bull markets, however, even bear markets, defined as periods in which the market saw a decline of more than 20 percent, have traditionally lasted for a comparatively short amount of time. 

Because it is practically impossible to time the market’s ups and downs, investors would do well to ignore the noise and stay focused on their plans rather than trying to second-guess the market.

Also Read: Timeline of U.S. Stock Market Crashes
The most economically impactful crashes within the last 100 years
Continue reading

Executive-Style Morning Routine For A High-Powered Day

When you have a great morning routine, you’ll feel better and be more productive the rest of the day. Morning routines can be as simple as avoiding social media or as complex as simply drinking water and exercising.

Regardless of whether you’re a morning person or not, establishing a routine that encourages health and productivity is vital to maximizing your time and effort. Creating a morning ritual that works for you can be as simple as following the steps below.

Sleep well

A good night’s sleep is vital for productivity, as 35.2% of U.S. adults receive seven hours or less per night. For many, getting eight hours of sleep needs planning.

Some methods can help you sleep well. For example, avoid vigorous activities like exercise and heavy lifting at night, take a bath to relax or read to fall asleep, time the TV and other devices to turn off, and instead, relax with a nice cup of decaffeinated tea.

Eight hours is the recommended sleep time to be fully rested and could really help with sustaining energy and motivation throughout the day.

Drink some water

When you wake up after a night spent sleeping, you will be a little bit dehydrated. Because water makes up roughly 60 percent of your body, even a slight loss of hydration might result in a drop in energy levels. 

Keep an 8- to 16-ounce glass of water next to your bed and sip from it as soon as you open your eyes in the morning. This will increase your energy levels and maintain the healthy functioning of your metabolism.

Start your day with a nutritious meal

Your body needs fuel to get your metabolism going and give you the energy to go through the day after an overnight fast. Here, a well-balanced breakfast with enough protein, healthy fats, and fiber is essential to a successful day. 

Eggs and avocado on whole-grain bread are examples of healthy breakfast food.  It’s important to eat a nutritious breakfast in order to get the most out of your day. 

What if you don’t feel like eating when you wake up? This is fine, as long as you aim to have a meal within two to three hours of waking up.

Workout

Go to the gym as part of your morning routine if you don’t have access to any green surroundings nearby or if you just want to shake things up a bit and try something new. Exercising first thing in the morning might offer you a boost of energy that will last you throughout the rest of the day. 

Endorphins and energy levels both increase with regular exercise. It can kick-start your metabolism and get your blood and circulation moving, giving you more energy throughout the day.

Put away your mobile device

When you begin your day by checking your email, and social media feed, you put yourself in a reactive state, and most of your morning is spent responding to the activities of others. This is a foolproof method for getting a harried, exhausted, and stressed-out start to the day. 

Instead, stop your alarm and keep your phone where it is on your nightstand until you have finished everything you need to do in the morning. Concentrate on yourself and your needs first to begin the day in a calm and energized state.

Things To Watch In An Unstable Crypto Market

It’s not a secret that crypto is experiencing a massive crash at the moment, but this isn’t the first time we’ve seen this, and in all honesty, it probably won’t be the last. When push comes to shove, deciding whether you should buy the dip, sell while you can, or ride out the storm can be extremely difficult. 

I can’t tell you what to do with your money, and how you act will depend a lot on your personal finances and personal risk tolerance. What I can do is give you advice on what to look at and how to make informed decisions. 

What Is The Stock Market Doing? 

One of the main lures of the crypto market is that it is decentralized. However, we’ve noticed over time that crypto tends to follow the stock market, at least loosely. This isn’t a hard-set rule, but it is something to keep in mind. Bitcoin is extremely down at the moment, but so is the entire stock market. The crypto market is unpredictable.

Now, crypto has always been extremely volatile, and no one can predict the future and say whether bitcoin is down for good or whether it’s going to bounce back up. But we can say that when the stock market started falling, a drop in cryptocurrency was expected, even if not this severe. 

Watch the news 

Take a look at what the news and influencers are saying. This may be a good indicator of what’s to come. Have they already spelled out doomsday? If you’re seeing it on the news, then the good news is that the doomsday is already priced in. 

Will the price still fall? Maybe, maybe not, but if the bad news is already out, then it’s unlikely that any other news will cause the price to drop drastically overnight. This is good because it gives us time to assess the situation a little more. 

Watch Social Media

Take a look at forums, groups, and sites like Reddit to see what the average investor thinks about what’s going on. This can give you a wide range of perspectives. You should keep in mind that these places can be echo chambers and may not speak truly for the general public, but the insight is useful nonetheless. 

These places are good for, if nothing else, seeing opinions opposite of yours and weighing whether your position is correct or needs reassessing. 

Watch Your Mental Health

I know this may be a bit sappy, but you need to take care of yourself. Crypto is volatile, it’s risky, and it’s uncertain. Especially during economic times like the ones we’re living in. You shouldn’t invest in crypto with scared money, especially now. You need to invest in learning more about crypto.

If your money being in crypto is causing you extreme anxiety, depression, or just making it hard to eat, then maybe it’s time to take a step back. I can’t tell you what’s right for you, but I can tell you that your health should always can first. 

Watch The World

Take a look at how the rest of the world is treating crypto. This isn’t a guarantee of the future, but it is important to know. For example, China and a few other countries have actually banned cryptocurrency. Now, just because China does, it doesn’t mean other countries will. 

I actually do not believe countries like the US will ever outright ban the currency, but many people have been expecting some kind of regulation to come. In the end, I’m going to wait to see how everything plays out globally.

How To Hack Your Energy & Motivation

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I’ll be the first to admit that staying motivated and keeping your energy levels high is extremely difficult, especially once you start adding more and more to your plate. I’ve had the pleasure of owning and managing multiple businesses at once, so I’ve had to develop excellent energy and motivation hacks to help me stay on top of them. 

These hacks include everything from special workflow and time management techniques to how I maintain my work area. So without any further ado, let’s get to my advice for staying energized and motivated while working, studying, or learning a new skill. 

Cut out the Multitasking

Multitasking may seem like a good idea at the moment, but trust me when I say that none of us is Superman. Sure, sometimes you may get away with multitasking, and it may make you more productive depending on which tasks you’re working on. 

However, for the most part, multitasking is going to take just as long as if you focus on each task individually, and the quality of work will drop drastically. Plan your schedule, and work on each task with 100% of your focus, and I promise you will save time and produce much better results. 

Take Breaks (Short and Long)

I’ve talked about the Pomodoro technique many times, and I’ll stick by it. Work for about 30 minutes at 100% capacity and energy, then take a small 5-minute break. Repeat this cycle four times and then take a long break. 

The breaks will re-energize you and prevent burnout. On top of the Pomodoro technique, make sure that you’re giving yourself time off of work. Take weekends off and relax. This will let everything you’ve learned sink in and give your body time away from work which will help prevent burnout. 

Have a Work Zone 

Not everyone can create a work room. I know having a free room for work is a luxury. But if you have an extra desk to work on, or an old laptop lying around, then they will be perfect. The idea is to create a space, whether virtual or physical, that is 100% dedicated to working.

This is so that as soon as you enter your work zone, your brain knows that it’s time to work. I’ve been in situations where I had no extra desk, room, or computer. What I did in this situation was created an extra account on my computer specifically for work. 

When it was time to work, I logged into that work account and worked without the distraction of other software. Even seeing the alternate wallpaper on my work account helped shift my brain into work mode. 

Maintain a Schedule 

Another way to shift your brain into work mode is to maintain a work schedule. If you’re currently working for someone and do not set your own hours, then this much is obvious because you do not have a choice. 

However, if you make your own schedule or are studying or working on your own time, then create a time frame for doing work and stick to it like it was your day job. 

Work When You’re Motivated

Every rule was made to be broken, right? Sometimes I get motivated late at night or during hours that are not my working hours. 

You have to take advantage of this motivation and work when you’re motivated, even if it’s not time. Just make sure you still stick to your schedule and don’t use the extra time you worked as an excuse not to later. 

Books You Should Read To Grow As An Investor

Books are one of the best resources in the world when it comes to learning, but especially when it comes to learning as an investor. They are the gateway to planning out a financially free and wealthy life, which is why it’s important to have a great library of useful investing books. 

Whether you’re a brand new investor, have dipped your toes in the game, or have years of experience, I guarantee that you will get something out of each one of these books. These are books that I’ve read, love, and believe everyone in the world should check out, especially if they want to build a better life or become a better investor. 

A Random Walk Down Wall Street – Burton G Malkiel

This is a must-read for every investor, especially new ones. It will teach you something I care so much about when it comes to investing and something that I think a lot of current retail investors absolutely do not have – fundamentals. It teaches how to do fundamental analysis and technical analysis and even covers things like Beta and Smart Beta.

This book also goes over something that is extremely relevant in the modern investing climate; bubbles and mania. Please read this book if you want to get your fundamentals down pat and be a better investor than 90% of retail investors today. 

The Bogleheads’ Guide to Investing –  Taylor Larimore, Mel Lindauer, Michael LeBoeuf

This book teaches us that most people are not very good at picking winners. The philosophy of this book is to “buy the entire market” because if you buy just one sector or one stock, you’re statistically likely to lose. 

Anyone can just go buy the market, make some gains, and have a solid investing plan. But when you invest your money, you should know why you’re investing it and how you are. This book teaches you the benefits of buying the market and will help you decide if it’s the right strategy for you. 

The Simple Path to Wealth – J L Collins

This is a great book for anyone that wants financial security and a path to wealth from a very smart and financially literate man. J L Collins puts things into words that most professionals cannot do. His book is very easy to understand for anyone and offers so much more than just plain investment advice. 

Psychology of Money – Morgan Housel

This is another book that breaks the boundaries of investing and goes into deep detail about financial planning in general. It covers many different perspectives and explains how someone’s background and worldview may change how they decide to invest and save their money. 

This book is another must-read for anyone that wants to improve their finances and understand money better. 

Trading for a Living – Alexander Elder

This is not for the faint of heart because Alexander Elder doesn’t dumb anything down. However, if you put in the time and effort to understand his words, you will not need another trading book. 

This is the book that most new trading books are based on. He covers everything from trading to psychology. This is absolutely a must-read for anyone that is serious about investing, whether you’re new or not.

Enjoyed this post? Follow me on Twitter for more investing tips https://twitter.com/ryanhoggan.

Big Mistakes Every New Investor Should Avoid (2022 Edition)

Many people feel that investing is difficult. You can lose money because of investment blunders. When I first started out, I made some mistakes too that cost me money.

With time, I discovered that majority of these errors might be avoided just by being aware of them. Even a novice investor may become a successful investor by following a simple set of guidelines and avoiding risks. For this reason, I will give you some mistakes you should not consider making.

1. Not knowing what you’re getting into

Avoid organizations whose business models you are unfamiliar with. Building a diverse portfolio of ETFs or mutual funds is the best approach to prevent this. If you want to invest in specific stocks, be sure you know all there is to know about the companies they represent.

2. Diversify properly 

Diversification is an effective risk management technique when applied correctly. Diversification only increases the value when the new asset has a different risk profile than the previous ones. 

When diversifying, your objective should be to include diverse and occasionally conflicting sources of income. 

When used with other investing approaches, this may reduce portfolio risk while potentially increasing total return. A single occurrence may devastate your whole portfolio and, as a result, your financial future.

3. Investing money, you’ll soon need

People’s most significant mistake is rushing into the markets before establishing a solid financial basis. Before you invest, you should feel in command of your finances.

Building a cash reserve is a significant part of it, so you don’t have to depend on your assets if you have an emergency or need to make a specific purchase. Understanding whether you have a reasonable quantity of cash in a savings account put aside for your near-term objectives is a fantastic way to evaluate if you’re ready to invest.

4. Being impatience

If you do not know, in investment, timing is crucial. To optimize your earnings, you should keep assets for as long as possible. Your long-term gains will be higher if you increase your portfolio slowly and steadily. 

Expecting a portfolio to do other than its intended function is a catastrophe. Always keep your expectations for portfolio growth and returns modest.

5. Adhering to lousy advice from social media

Don’t listen to investing advice from someone unfamiliar with your specific financial circumstances. For example, you may be urged to start investing in a particular firm by someone on social media. 

Still, they are unaware of your alternative investment possibilities. You should better put that money into an employer-sponsored retirement plan, particularly if you can.

When investing, do your homework and study the individual providing you financial advice on any social media network.

6. Delaying investing altogether

Finally, deciding not to invest is an expensive decision. Perhaps the most serious error you can make on your investing path is not investing. Keeping your money in a bank account implies that money loses buying power when inflation rises.

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What You Need To Know About Fractional Real Estate Investing

Fractional Real Estate investing has gained so much traction in the last few years. There are many reasons for this, but the main one is the low initial investment it takes to dip your toes into real estate when you use this method.

While, generally, fractional real estate investing can be less risky and easier to enter, there are still some things you should know before you dive in headfirst.

Low Barrier to Entry 

As I mentioned, there is a low barrier to entry when it comes to fractional real estate investing. The reason is, as the name implies, you’re going to only pay for a fraction of the property and maintenance. 

You’ll be investing in something like an apartment complex most of the time. The developing company will handle all of the decisions and work to get the complex up and running, deal with the tenants, etc. 

While the fractional investors make a passive income proportionate to their shares in the company, this makes fractional real estate investing similar to the stock market, in a sense. You don’t need to know anything about technology to invest in Microsoft. 

You Should Diversify

Another huge advantage of fractional real estate investing is that it allows you to diversify much easier than typical real estate investments. With normal real estate, you’re going to have a lot of funds tied up in a single property because generally, properties are quite expensive. 

Beyond the price, you’ll also have to invest quite a bit of time. With fractional real estate investing, if you remain hands-off, you can invest in many different properties without worrying about your time. If one fails, that’s unfortunate but not the end of the world. 

You will not Have the Same Control 

This is both an advantage and disadvantage. I covered how this is an advantage; you’ll save a lot of time and not have to get hands-on with the development. 

This is great if everything works out. However, you’ll also be putting your money in someone else’s hands because you’re not going to have much of a say in how everything works. 

Going back to the apartment complex, you won’t have much of a say in choosing or handling tenants, what goes into the complex, or anything of that nature. This is why it’s important to pick a company with a nice track record or a vision that you believe in. 

ALSO READ: Advice On Fractional Ownership For Real Estate Investors
https://www.forbes.com/sites/forbesbusinesscouncil/2022/02/24/advice-on-fractional-ownership-for-real-estate-investors/?sh=6b187a093014

Commitments

Most investment sponsors will require their investors to make some kind of commitment. Usually, this will be around a decade or so. I’ve seen a commitment requirement of as low as 10 years, but it typically will not be lower than that. 

This means you will not be able to sell your shares until that timeframe is up. So just because you’re only in for a fraction, does not eliminate your commitment to the property or the investment.

Still Requires Due Diligence

Just because fractional real estate investing is “safer” than regular real estate doesn’t mean you can just throw your money around without a thought. As I mentioned above, you’ll be agreeing to a 10-year commitment most of the time, and you won’t have much of a say in how the business is run. This means you should know who you’re going into business with and how they plan on succeeding. 

ALSO READ: Tips From A Pro: Ryan Dean Hoggan Weighs In On How To Start Your Dream Business

Should You Use Investing Apps?

Technological advancements in the financial sector are making it easier for people of all backgrounds to enjoy the benefits of investing. We’ve all been aware that some finance sections have appeared to be private clubs for a long time.

To those who had no idea where to begin, learning about it felt like a waste of time. However, the days of buying books titled “Investing for Dummies” and spending countless hours on the Internet are gone. 

We can now learn how to invest step-by-step, thanks to mobile apps. Apps that support on our behalf are now available. What matters is whether they’re worth your time and money. This article will talk about the pros and cons of investment apps.

Pros of Investment Apps

Low Minimum Deposit

Investment applications like Acorns and Stash quickly dispel the assumption that you need a lot of money to start investing. Acorns and Stash both allow you to start investing with a bit of money.

You can forgo your daily coffee (or other pricey and unnecessary activities) and save up some cash to put into an investment account for a few days.

Low Fees for Small Accounts

One more advantage of using these micro-investing apps is the low cost of the accounts.

Others charge one dollar per month for sums under $5,000 and 0.25 percent annually for balances exceeding $5,000, depending on the credit card. 

If you want to invest in an IRA and have access to a spare change debit card, for example, Acorns costs $1 per month for its basic investment plan, which increases to $3 per month if you want to invest in an IRA and have access to a spare change debit card.

Beginners who are just beginning to invest will find this helpful.

Great for Beginners

Inexperienced investors might consider using an app because it’s easy to invest and decide how to divide your money when there’s a tool to help you. 

Some apps use a hands-off strategy where you don’t have to do anything to invest additional money from your bank account. Others produce educational guidance, and it’s not uncommon for applications to utilize algorithms to help you make investments.

Cons of Using Investment Apps

Fees Add Up

Even if the costs for investment applications appear minor, they can build up compared to the profits you’ll gain for small investments. For example, an app’s $1 monthly charge may appear inexpensive. But when you compare that to an app or service that takes a fixed percentage of your investment.

If the annual asset-based fee is 1% and you invest $100, your asset-based yearly cost is $1. However, with monthly payments, your flat yearly fee is $12. (12 percent instead of 1 percent).

Little Personal Advice

Using investment applications has the drawback of removing the assistance of a personal financial advisor. That’s fine if you’re just getting started or have a small amount of money to put down. 

To begin investing substantial sums of money, you may want to consult with a financial advisor who can help you sort out your goals and start working toward them.

Follow Ryan Hoggan for more investing insights on Facebook @RyanDeanHoggan and Twitter @RyanDeanHoggan!

How To Stay Motivated As An Entrepreneur [Tips For Success]

Just about everyone has found themselves in a rut where they just can seem to scrounge up an oz of motivation, no matter how hard they try. There are many reasons for this; lack of direction, being overwhelmed, or just plain old burnout. 

However, no matter what the reason, it’s important to push through the lack of motivation and keep working towards your goals. And if you can get your motivation back, even better! 

In this article, I’m going to go over some of my favorite ways to stay motivated when it seems like you can’t get a sliver of motivation. I’ve curated these tips over my career through experience, advice, and research. So, let’s go ahead and get down to it. 

Stay Organized 

One of the best things you can do for yourself and your career is to create an organized workspace separate from the rest of your life. This will not only help you functionally but mentally as well. 

Having a clean and dedicated workspace does wonders for motivation when trying to work. If you do not have a free desk or room to dedicate specifically to work, you can create a new profile on your computer for work instead. 

This isn’t as good as a dedicated workroom, but it still has the mental effect and tells your brain, “It’s time to work.” 

Write your Goals Down

Another thing I love to do is to write my goals down. This way, I can visualize exactly what I’m working towards. 

I write down my long-term goals, my short-term goals, and the medium goals that branch them. It’s extremely important to write them down and not just keep them in the back of your mind. 

By writing them down, you can look at them and see specifically what you want and how to get there. Otherwise, you could subconsciously change these things or forget about certain aspects over time. 

Work During Your Peak Hours

Everybody is different, and research has shown that humans actually have times when they’re much more productive. If you make your own schedule, then listen to your body and work when your body is ready to work. 

Some people work better in the morning; others work better at night. It’s important to keep in mind that sometimes your body may not feel productive at all; that’s when you need to push through and work anyways. But these feelings of demotivation will be amplified if you never work during your body’s productivity time. 

Keep a Schedule 

Every Sunday, I create a weekly schedule. I write down every day, from Monday to Sunday, in a document, and below those days, I write down everything I need to accomplish that day. 

I do this because it eliminates the need to think about what I should do every day. Instead, I just look at my schedule and do what I need. Sometimes I may need to add in plans or change up the schedule on Wednesday, and that’s fine. 

Find a Mentor and a Rival 

Other people are extremely motivational; that’s just human nature. Find a person or group who are entrepreneurs and form a motivational circle around you. While reading books or listening to business podcasts might help with your motivation, being in a good circle can inspire you and create a sense of healthy competition.

You should also find someone that has accomplished some of the goals you’ve set for yourself and talk with this person. Ask them for criticism and advice, especially when you want to start your dream business. Most importantly, don’t forget to thank them for their time!

Here Are The Big Metaverse Developments You Should Be Watching

The Metaverse is sort of a catch-all phrase for Virtual Reality (VR), Augmented Reality (AR), and pretty much everything to do with virtual worlds. NFT and Crypto technology is widely used in Metaverse projects, such as Decentraland. 

Huge companies are creating metaverse projects, the most famous being Facebook. There are pros and cons to the concept, and a lot of experts believe that the Metaverse is the future and that we will all live our lives half virtually (not just with our nose to the phone screen). 

But what can we look at today and say, “So this is the Metaverse”? In this article, I’ll cover some of the most exciting and prominent Metaverse developments and projects happening right now. 

Roblox (Videogames) 

Roblox has been its own little world since its development in the early 2000s. Users create avatars and worlds and interact with each other in those worlds. 

It’s only natural that the developers would notice how their game is being used and lean into that functionality. The Roblox developers have recently started pushing the Metaverse in their game. It seems like they plan to continue down this path by adding more VR support and even facial tracking for more life-like player interactions.

Decentraland

Decentraland is probably one of the most popular Metaverse experiments. Similar to Roblox, Decentraland allows users to hang out in a virtual world and get fully immersed. One great thing about Decentraland is that users can collect and display NFTs, use Cryptocurrency, and even buy land. 

The end goal for this project is to be a place users can truly live life, earn money, and interact in a virtual space. 

Medical Education

You read that right! There have already been surgeries performed in Augmented reality. The surgeons that had the opportunity to use AR technology had nothing but good things to say. 

It seems like the world will move more and more towards this kind of technology to help with important tasks. Eventually, we will probably be using AR in our cars and homes and blur the lines between the universe and the Metaverse. 

Facebook’s Dream

Facebook has recently come under fire for some remarks they made about the Metaverse. To sum it up, they envision a world where users will be able to throw on their headsets and be instantly in their workplace, talking to their boss. 

Of course, workers do not want their boss to have access to their life 24/7, which is where the criticism came from. However, looking past the black mirror-Esque dreams, it isn’t hard to imagine how this technology could be helpful if it isn’t abused. 

Only time will tell how things will pan out in the world of Metaverse employment. 

Real Estate

Remember how I talked about Decentraland? Well, there are a few different Metaverse worlds similar to Decentraland, all of which have land that people may own, buy, and sell. This could be a dream for remote real estate investors.

And where there is land that can be bought, a real estate company is trying to flip it! This is no different in the Metaverse; there are already a few different Virtual Real Estate companies purchasing, selling, and renting out land in Decentraland and other virtual worlds. 

If you want to start your dream business, this could be a very lucrative business since crypto can be used all over the net and even converted to USD or any other currency. I believe this is just a taste of what the future has to offer for virtual worlds.