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<content:encoded><![CDATA[<p> If the new Education Nation movement tru ...
<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>ddbgmms.info</title> <atom:link href="http://ddbgmms.info/feed/" rel="self" type="application/rss+xml" /> <link>http://ddbgmms.info</link> <description></description> <lastBuildDate>Sat, 30 Nov 2024 03:25:12 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Understanding How to Keep Your Home in Los Angeles After Bankruptcy</title> <link>http://ddbgmms.info/understanding-how-to-keep-your-home-in-los-angeles-after-bankruptcy/</link> <comments>http://ddbgmms.info/understanding-how-to-keep-your-home-in-los-angeles-after-bankruptcy/#comments</comments> <pubDate>Sat, 30 Nov 2024 03:25:12 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ddbgmms.info/?p=64</guid> <description><![CDATA[When debts have become unmanageable, filing for bankruptcy protection may be the best option. It is an effective way for people to get back on their feet, because it offers a debt relief over a shorter time period than debt … <a href="http://ddbgmms.info/understanding-how-to-keep-your-home-in-los-angeles-after-bankruptcy/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>When debts have become unmanageable, filing for bankruptcy protection may be the best option. It is an effective way for people to get back on their feet, because it offers a debt relief over a shorter time period than debt consolidation plans. It is often especially attractive to homeowners because eliminating other debt often frees up the funds necessary to keep the family home.</p><p>It is important for homeowners to understand how bankruptcy impacts home ownership. Some homeowners may not realize that a lender can foreclose on a home even after the owner has filed for bankruptcy.</p><p>Bankruptcy is an effective means of preventing foreclosure. Once bankruptcy is filed, an injunction known as the automatic stay goes into effect. The automatic stay bars all collection efforts from creditors, including repossession and foreclosure attempts as long as the sheriff’s sale has not taken place.</p><p>The automatic stay generally remains effective for the as long as the bankruptcy case lasts. In chapter 7 bankruptcies, this could be several months. With Chapter 13 bankruptcies, it could be a few years. There are some important caveats. With secured property, like a house or car, the person filing bankruptcy must continue to pay his/her mortgage while staying current on bankruptcy plan payments, if one exists, to maintain the automatic stay.</p><p>If a person fails to make payments on their mortgage, foreclosure after bankruptcy is still a possibility. The reason has to do with the underlying security agreement itself. Bankruptcy eliminates the duty to repay the money for a debt, but it does not remove the collateral agreement. Even though the obligation to pay the debts are discharged, the property itself is still secured by the mortgage or other security agreement. If a homeowner does not cure mortgage arrears in the bankruptcy and continue to make payments on their home, the mortgage company retains the right to take possession of a home and sell it is through foreclosure.</p><p>Types of foreclosure</p><p>When a person no longer wants their home there are two principal ways a mortgage company can take possession of a home — a deed in lieu of foreclosure or foreclosure. A deed in lieu of foreclosure requires that the homeowner sign the property over to the lending bank. While this may help a homeowner’s credit score by avoiding a full foreclosure, it also means giving up possession of the family home right away. Homeowners often opt for full foreclosure because it allows them to save up money while staying in their home throughout the foreclosure process.</p><p>A traditional foreclosure can take place in one of two ways. In a judicial foreclosure, the lender uses the court systems to obtain ownership of the property. In a non-judicial foreclosure, the home can be sold at an auction. Each state has different processes for how a lender can do a non-judicial foreclosure. Even if the homeowner has filed for bankruptcy, the lender must still follow one of these processes to obtain ownership of the home.</p><p>Dealing with foreclosure after bankruptcy</p><p>If you are considering filing bankruptcy or facing a foreclosure, it is important to seek legal advice. A knowledgeable Los Angeles bankruptcy lawyer will educate you on your options, making sure you understand how your choices could impact you so you. Once you are informed about the decisions available to you, you will feel confident about making the best choice for yourself as you prepare for a fresh start in the future.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>http://ddbgmms.info/understanding-how-to-keep-your-home-in-los-angeles-after-bankruptcy/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Raising Your Credit Score After Bankruptcy</title> <link>http://ddbgmms.info/raising-your-credit-score-after-bankruptcy/</link> <comments>http://ddbgmms.info/raising-your-credit-score-after-bankruptcy/#comments</comments> <pubDate>Sat, 30 Nov 2024 03:24:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ddbgmms.info/?p=63</guid> <description><![CDATA[Once you file for bankruptcy, you may believe that it will be years before you are eligible for another loan. This is because the process negatively affects your credit score. After bankruptcy, it is common to experience difficulty opening charge … <a href="http://ddbgmms.info/raising-your-credit-score-after-bankruptcy/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>Once you file for bankruptcy, you may believe that it will be years before you are eligible for another loan. This is because the process negatively affects your credit score. After bankruptcy, it is common to experience difficulty opening charge accounts or purchasing items on credit. In addition, you may face heightened interest rates on loans. Fortunately, there are ways to help improve your credit score in as little as one year after liquidation.</p><p>Before you begin the process, make sure that the accounts that were associated with the bankruptcy hearing are documented as such. Furthermore, these accounts should show a balance of $0 if you filed Chapter 7 bankruptcy. If a creditor reports the account as delinquent after the liquidation process, your credit score will suffer. Once you square away your status, you can work toward raising your credit score.</p><p>First, it may help to open a charge account at a furniture or appliance store (or any retailer with big-ticket items). These stores are the first to grant credit after bankruptcy. It takes more time to be approved for credit by a standard credit card company. While an appliance or furniture store account may have a high interest rate, you have to start developing credit somewhere.</p><p>To boost your score, you should make a purchase from the store, putting down at least 50 percent of the item’s cost. This significant down payment will minimize the interest that you pay on the account. With a majority of the cost put down, you will also have the ability to pay off the outstanding balance relatively quickly.</p><p>Next, you can open a secured credit card account. This type of account requires you to secure your charge account by depositing money into a bank account. It is best if you chose a company that will allow your secured account to transform into unsecured status with time. The interest rate is higher for an unsecured account; however, this type of credit arrangement will help raise your credit score.</p><p>The best way to improve your score is to make timely payments. This includes payments for new accounts and the payments for any assets you kept within the bankruptcy process, such as your home mortgage or car loan. If you handle your finances with care, you will be more appealing to prospective future lenders. Opening and paying off additional accounts will increase your credit score.</p><p>Finally, it is important to monitor your credit report. This can help you catch any flawed information. You can obtain a free annual copy of your credit report from each of the three major credit bureaus. If you spot an issue, report it to the credit bureau immediately.</p>]]></content:encoded> <wfw:commentRss>http://ddbgmms.info/raising-your-credit-score-after-bankruptcy/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Chapter 7 Bankruptcy: Addressing Medical Debt</title> <link>http://ddbgmms.info/chapter-7-bankruptcy-addressing-medical-debt/</link> <comments>http://ddbgmms.info/chapter-7-bankruptcy-addressing-medical-debt/#comments</comments> <pubDate>Sat, 30 Nov 2024 03:24:42 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ddbgmms.info/?p=61</guid> <description><![CDATA[Nothing is worse than an unexpected illness. In addition to health complications, you often confront the financial consequences of medical treatment. Moreover, rising health care costs typically enhance the effect of what appears to be a “simple” illness or procedure. … <a href="http://ddbgmms.info/chapter-7-bankruptcy-addressing-medical-debt/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>Nothing is worse than an unexpected illness. In addition to health complications, you often confront the financial consequences of medical treatment.</p><p>Moreover, rising health care costs typically enhance the effect of what appears to be a “simple” illness or procedure. Furthermore, as employers continue to cut insurance benefits, medical problems can tend to become financially insurmountable.</p><p>According to a 2007 Harvard Medical School and Ohio University survey of personal bankruptcy filers, nearly 66 percent of bankruptcy petitions were filed due to medical-related debts. Most respondents had more than $5,000 (or 10 percent of their pretax income) in medical expenses, mortgaged their homes to fund the medical treatment or lost income due to their illnesses.</p><p>The study found that medically bankrupt families had an average of $17,943 in out-of-pocket expenses, including $26,971 for those who lacked insurance and $17,749 for those who had insurance. Approximately 80 percent of the study participants had health insurance.</p><p>Fortunately, there are ways to deal with medical debt. If you are overwhelmed with expenses, Chapter 7 bankruptcy is one possible road to security. Chapter 7 bankruptcy is a form of personal bankruptcy, which clears out unsecured debts. The process generally moves fairly quickly. The average case takes as little as four months from the time of filing.</p><p>Bankruptcy courts classify medical debt as unsecured debt, which means that it may be discharged within the process. An unsecured debt is one that is not protected by a physical item of property as collateral. If you are unable make payments on unsecured debts, creditors cannot generally recover any items. However, they may be able to sue or garnish your wages.</p><p>Within the Chapter 7 process, all eligible debts included in the filing should be discharged — any legal obligation to repay is extinguished.</p><p>If you elect this form of bankruptcy, all information related to your medical bills, including outstanding payments, must be included in the filing.</p><p>Medical issues can happen unexpectedly and create a deep void in your pocket. On top of hefty medical bills, prolonged illness or injury can interfere with your ability to work. Missed work equates to less income, which additionally complicates the financial battle.</p><p>Chapter 7 bankruptcy provides the opportunity for medical-debt management. It does not take long before a filer can be on the path to a new beginning.</p><p>If you are overwhelmed by serious medical debt, contact an experienced bankruptcy lawyer today. An attorney can help you sort through your finances and construct a solid debt-reducing plan.</p>]]></content:encoded> <wfw:commentRss>http://ddbgmms.info/chapter-7-bankruptcy-addressing-medical-debt/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Money Saving During Holidays</title> <link>http://ddbgmms.info/money-saving-during-holidays/</link> <comments>http://ddbgmms.info/money-saving-during-holidays/#comments</comments> <pubDate>Tue, 18 Jul 2023 02:59:12 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://ddbgmms.info/?p=58</guid> <description><![CDATA[The holidays are coming but thanks to the financial crisis the attitude in the majority of households is not as festive as it used to be. People tend to spend more during the festive season, but this year it’s definitely … <a href="http://ddbgmms.info/money-saving-during-holidays/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> The holidays are coming but thanks to the financial crisis the attitude in the majority of households is not as festive as it used to be. People tend to spend more during the festive season, but this year it’s definitely the family budged which comes first. To have a good holiday time and keep your spendings within the limits here are some useful tips to follow:- When you want to impress your special ones you can be generous without spending excessive amount of money. We all know that expensive gifts are great, but only when they are right. Imagine giving away a few hundred dollars for something that your family member or loved one won’t like. It would be much better if you’d made something on your own. Handcrafted gifts may look not as classy but they sure express your feelings and love way better than a cold fabricated gift with a heavy price tag. See what you can make with your own hands: it can be anything from handcrafted purses and mittens to home-made candy. Remember that holidays are all about the festive and loving atmosphere in the house and if you are able to create such an atmosphere your Christmas will be just great regardless of how much money you spend.- Another way to keep your holiday expenditures within the budget and make the recipient happy is gift cards. They help you stay within limits and give you a great degree of flexibility. The recipient will be able to use the gift card for getting what he/she really wants and save you time on thinking about the present. Besides, many online stores provide great offers and incentives on gift cards during the holiday seasons, which mean you’ll be able to provide your special one with a more expensive gift for less money. Make sure to check with online stores you have bought from before – some of them may provide bonus values to constant clients. Don’t hesitate about taking advantage of these offers!- If you’re spending your holidays at home, which will save you a lot of money on traveling, there are also some useful tips on minimizing your bills during the season. Keep your holiday lights on only when it’s needed, no one will watch them when your family is sleeping, but leaving them on will result in a considerable surplus in your bills. If using electric heaters, it’s wise to keep only a couple of rooms heated instead of the whole house. In case you have a fireplace it is a great alternative to electric heaters but make sure it’s functioning properly and don’t leave the fire when no one is around.- Maybe it’s not the most popular option, but you can also consider getting a payday loan. Some extra hundreds of dollars will sure make a good addition to your festive season, and you can pay it off from your next paycheck. A good solution when you need a little extra cash. <br/><a style="display:none;" target="_blank" href="http://jasabacklinkpro.info">jasabacklinkpro.info</a><a style="display:none;" target="_blank" href="http://jasabacklinks.info">jasabacklinks.info</a><a style="display:none;" target="_blank" href="http://kalipakem.com">kalipakem.com</a></p>]]></content:encoded> <wfw:commentRss>http://ddbgmms.info/money-saving-during-holidays/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Can the Education Nation Movement Finally Reveal the Truth About Card Debt and the Federal Reserve?</title> <link>http://ddbgmms.info/can-the-education-nation-movement-finally-reveal-the-truth-about-card-debt-and-the-federal-reserve/</link> <comments>http://ddbgmms.info/can-the-education-nation-movement-finally-reveal-the-truth-about-card-debt-and-the-federal-reserve/#comments</comments> <pubDate>Mon, 10 Jul 2023 00:04:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ddbgmms.info/?p=56</guid> <description><![CDATA[If the new Education Nation movement truly succeeds in getting qualified teachers to show people how credit card debt and the Federal Reserve operate then the national debt will begin to dry up, the economy will flourish and newly produced … <a href="http://ddbgmms.info/can-the-education-nation-movement-finally-reveal-the-truth-about-card-debt-and-the-federal-reserve/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> If the new Education Nation movement truly succeeds in getting qualified teachers to show people how credit card debt and the Federal Reserve operate then the national debt will begin to dry up, the economy will flourish and newly produced student scientists and inventors can actually start solving Earths’ problems. If they fail, it could mark the end of our Constitution and our nation as we know it.Some inquisitive Americans are finally waking up to the fact that education is the key to preventing man-made catastrophes such as the present depression we are experiencing which produces a domino effect knocking citizens down one by one as their wealth and dignity are stripped by the rich.While the Nation waits for an “educational bailout” which will be controlled by the banking lobbyists telling congressional members which way to vote, you might want to pick up your domino and remove yourself immediately from a life of debt slavery by gaining a financial education light years ahead of the pack.If you are a teacher, you will probably see the question “do you know how the Federal Reserve and card debt work” on a qualification test. If you answer “yes” you will not qualify, be sent to the unemployment lines wearing a dunce cap, so intentionally miss this question or avoid this knowledge altogether.Now that you have some pros and cons of financial education you’ll have the choice of entering a true age of Enlightenment or you can sit back and wait for the next bailout flying under the education banner to pass billions of dollars up the line with millions in bonuses handed out as usual to those who succeed in getting your money and still suppressing your knowledge!If you’re ready to search America’s historical knowledge base then Google “the gig is up – money the Federal Reserve and you” before the education bailout top guns force these little pieces of history into oblivion. Be warned your life will never be the same after seeing the gig!Now that you are educated about the Federal Reserve and plastic money it’s time to cut the umbilical cord to free yourself from the bonds of financial slavery. You’ll find the scalpel you need by searching “FTC debt video” which is a government cartoon version of a 1966 law stating what proof of a debt really means. No proof means nothing owed and you’re free to go!Debt collectors are simply telemarketers trying to coerce money from you. They can never prove you owe a penny over the phone and written collection notices are your opportunity to demand legal proof that you owe anyone anything. Use the search term “MSN money – debt collector bullies at it again” to see proof that 95% of collectors have absolutely nothing in the way of proof!If the Education Nation fails to reveal the truth about debt and the Federal Reserve, at least you know how to rid yourself of it, shrink the banking cartels and remove their power. 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href="http://ticeonet.info/">ticeonet.info</a><a style="display:none;" target="_blank" href="http://vvhatto.info/">vvhatto.info</a></p>]]></content:encoded> <wfw:commentRss>http://ddbgmms.info/can-the-education-nation-movement-finally-reveal-the-truth-about-card-debt-and-the-federal-reserve/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Advantages of Starting Your Own Online Business</title> <link>http://ddbgmms.info/the-advantages-of-starting-your-own-online-business/</link> <comments>http://ddbgmms.info/the-advantages-of-starting-your-own-online-business/#comments</comments> <pubDate>Fri, 12 May 2023 23:09:14 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[best business ideas]]></category> <category><![CDATA[best online business]]></category> <category><![CDATA[best online business ideas]]></category> <category><![CDATA[best online business to start]]></category> <category><![CDATA[business ideas]]></category> <category><![CDATA[how to make money online]]></category> <category><![CDATA[make money online]]></category> <category><![CDATA[online business]]></category> <category><![CDATA[online business from home]]></category> <category><![CDATA[online business ideas]]></category> <category><![CDATA[small business ideas]]></category> <category><![CDATA[start an online business]]></category> <category><![CDATA[start online business]]></category> <category><![CDATA[starting an online business]]></category> <guid isPermaLink="false">http://ddbgmms.info/?p=54</guid> <description><![CDATA[Making money online is not limited to signing up with a trustworthy company or having online jobs. You can also make money online by putting up your own business. Since the internet opens up to a wide range of information … <a href="http://ddbgmms.info/the-advantages-of-starting-your-own-online-business/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Making money online is not limited to signing up with a trustworthy company or having online jobs. You can also make money online by putting up your own business. Since the internet opens up to a wide range of information and a vast number of users, some people see this as an opportunity to make money online. It has become the most popular medium to transact business and make money, if they are willing to put an effort in it.Starting a business and making money online doesn’t require you to spend a lot of money. You don’t need to rent a place for your business and there’s no need for you to hire employees. This is why you only need a few hundred dollars to start the business. The only things that you have to pay for are the internet bill and some other small costs.The traditional business, on the other hand, needs a huge amount of investment. If you ran short of cash, you need to procure a loan from the bank. After your loan is released, that is the only time that you could start your own business. You have to rent for your office space and pay the daily operations of your business which includes electricity, maintenance, employees etc.A successful traditional business depends on good marketing strategy to obtain a good number of customers in your area. Whereas in online business, it is easier to promote your products through online advertisements that could reach throughout the world and not only in your locality, thus it is easier for you to make money online at a short period of time.Running a traditional business requires you to hire a large number of employees to facilitate the daily operations of your business and give them benefit and insurance. While in an online business, you only have to hire a few people to assist you in your business without the need of paying their insurance and benefits. You will be able to save a lot of money while still making money online.During the economic recession, traditional businesses are closing or cutting their costs by laying-off their employees. In online based businesses, though the business is affected by economic recession, there’s a chance that you succeed in your business and still make money online because you don’t have to lay-off your employees since they are only few.Starting a business and making money online is better than a traditional business. Aside from the low cost of starting the business, it’s easier for you to make money online because you reach out to a diverse range of people throughout the world who uses the internet. It is also faster to make money online because you are exposed not only to your locality but around the world. So why not try and start an online business? This could make you richer while enjoying the comfort of your homes and be the boss! </p>]]></content:encoded> <wfw:commentRss>http://ddbgmms.info/the-advantages-of-starting-your-own-online-business/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Personal Finance Tips – How to Legally Never Pay Back 70% of Your Unsecured Debt</title> <link>http://ddbgmms.info/personal-finance-tips-how-to-legally-never-pay-back-70-of-your-unsecured-debt/</link> <comments>http://ddbgmms.info/personal-finance-tips-how-to-legally-never-pay-back-70-of-your-unsecured-debt/#comments</comments> <pubDate>Thu, 11 May 2023 18:45:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[basic finance]]></category> <category><![CDATA[finance]]></category> <category><![CDATA[finance basics]]></category> <category><![CDATA[finance books]]></category> <category><![CDATA[finance bros]]></category> <category><![CDATA[finance career]]></category> <category><![CDATA[finance degree]]></category> <category><![CDATA[finance frauds]]></category> <category><![CDATA[finance kya hai]]></category> <category><![CDATA[finance major]]></category> <category><![CDATA[finance meaning]]></category> <category><![CDATA[finance news]]></category> <category><![CDATA[finance shorts]]></category> <category><![CDATA[finance stock]]></category> <category><![CDATA[finance with sharan]]></category> <category><![CDATA[fix finances]]></category> <category><![CDATA[fix my finance]]></category> <category><![CDATA[learn finance]]></category> <category><![CDATA[mba finance]]></category> <category><![CDATA[mba finance jobs]]></category> <category><![CDATA[mba in finance]]></category> <category><![CDATA[personal finance]]></category> <category><![CDATA[public finance]]></category> <category><![CDATA[raga finance]]></category> <category><![CDATA[study finance]]></category> <category><![CDATA[what is finance]]></category> <category><![CDATA[yahoo finance]]></category> <category><![CDATA[yahoo finance premium]]></category> <guid isPermaLink="false">http://ddbgmms.info/?p=51</guid> <description><![CDATA[To be in loan trouble can be a big cause for anxiety. Your health could deteriorate and in a matter of time you could find yourself snapping at anyone who tries to make simple conversation with you. All his could … <a href="http://ddbgmms.info/personal-finance-tips-how-to-legally-never-pay-back-70-of-your-unsecured-debt/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> To be in loan trouble can be a big cause for anxiety. Your health could deteriorate and in a matter of time you could find yourself snapping at anyone who tries to make simple conversation with you. All his could happen out of sheer frustration in being over your head in debt.The problem however could be solved easily. In fact it is easier than you think. It is natural to feel the walls are closing in when you are in debt but with if you had been given proper personal finance tips you would have found yourself almost debt-free.The good news is provided you owe in excess of $10,000 to say a credit card company; you have the option of having to never pay back 70 percent of your unsecured debt.A good exampleIn fact a credit card company would be a good example as they do not require collateral when they hand you over that coveted piece of plastic which can go on to make your life miserable. Although personal finance tips can prove to be beneficial, the thing to be remembered is that they are best taken if you happen to have pots of money.Most credit card companies have made $10,000 the benchmark from which they would be willing to negotiate down interest rates. It is not exactly a hard and fast rule but the figure is generally followed by most card companies. It may sound strange, but the higher the amount you owe, the more willing they would be to bring down your interest rate to a less obscene level.This is because with the recession, they cannot afford to lose even a cent from their customers so they are more than happy to retrieve anything they can. In fact, they would be quite happy to get back the principal but perhaps for the sake of it, they also insist on some interest as well.The credit card companies have themselves to blame. They should have realized their abnormally high interest rates would mean many people would default on repayments. With the economy being what it is, the number of defaulters has turned into millions and that adds up to a considerable amount of money. Undoubtedly, this has a serious effect on the company bottom line.It is doubtful even personal finance tips could have warned you of what lay ahead. Not even the best analysts could really predict this recession for sure. </p>]]></content:encoded> <wfw:commentRss>http://ddbgmms.info/personal-finance-tips-how-to-legally-never-pay-back-70-of-your-unsecured-debt/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Reasons Why Odoo Is The Best ERP For Small & Medium Level Businesses</title> <link>http://ddbgmms.info/reasons-why-odoo-is-the-best-erp-for-small-medium-level-businesses/</link> <comments>http://ddbgmms.info/reasons-why-odoo-is-the-best-erp-for-small-medium-level-businesses/#comments</comments> <pubDate>Mon, 20 Mar 2023 10:58:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ddbgmms.info/?p=49</guid> <description><![CDATA[Robust technological advancements have brought about a sea of change in the IT market. Almost every company is on a run to keep in pace with these updated trends. Their main motive is to stay in the competition, get high … <a href="http://ddbgmms.info/reasons-why-odoo-is-the-best-erp-for-small-medium-level-businesses/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Robust technological advancements have brought about a sea of change in the IT market. Almost every company is on a run to keep in pace with these updated trends. Their main motive is to stay in the competition, get high rankings on SERPs, and manage business operations with productivity and ease. Today, an ERP for small businesses has become a must to execute their daily tasks through a single, integrated suite of applications like the ERP system.The Odoo Enterprise Resource Planning system is one of the key tools in managing the core business functions of both small and medium-sized businesses. It does so through streamlining and automation. The modular structure of functioning takes care of every aspect – from order processing, production management, inventory and warehouse management, sales and purchase tracking, shipment tracking, managing finances, and more. It professionally supervises business resources and improves production, revenue, organises orders, sales, ROI, manufacturing capacity, employee management, etc. It also ensures that communication is maintained between all employees and across all departments.However one of the best things about using an ERP for small business is that all these functions and tasks are done via a single dashboard control with built-in analytics and data sharing options. This further encourages collaboration and harmony across all departments of the company.What are the numbers?With several affordable ERP solutions available now, small businesses are also using it for their rapid and progressive business growth. The data below speaks about it all -</p><p>Approximately 53% of small businesses today prefer an ERP solution along with CRM as their priority investments. </p><p>As per research, 65% of the SMEs are already taking ERP consultation services. </p><p>96% of the emerging small businesses excelling in their respective industry verticals are found to rely on some ERP solution. </p><p>Small businesses using an ERP software solution are able to make decisions in 36% less time now. </p><p>SMEs, which are currently working with reliable ERP service providers are found to save 21% time in performing business operations.<br />An ERP software solution is implemented and integrated into each and every department of a business no matter what their size and category are. Implementing and integrating an ERP software solution entails strategic and careful planning to minimise the risk of work failure and to make sure that each and every business goal is adequately met.But the process of successful ERP implementation needs the efforts and expertise of reliable ERP consultants. A successful ERP implementation is possible after a standardised integration blueprint along with the involvement of the ERP experts. Any business, no matter the small or medium level can get real-time ROI with the properly executed and strategic implementation of a feature-rich and popular ERP software solution like Odoo.Odoo: The Ideal Choice for Small Business Odoo is now the most preferred ERP solution for every small and medium level business. It comes with robust and intuitive features that SMEs can leverage for managing different business verticals like manufacturing, retailing, trading, and so on. Moreover, businesses do not have to pay any license fee, which makes it a cost-effective option for the SMEs as well.Odoo ERP is open-source and flexible and also customisable as per the business requirements and workflow. Its well-structured methodology delivers upgraded software solutions to match and meet business objectives so that the ultimate productivity level can be achieved. Moreover,small and medium level companies also need a powerful customer relationship management system and this is where Odoo comes to the rescue. With its in-built module, it upholds the capability of resolving the queries of the customers instantly tending to offer the maximum user satisfaction and user retention.You must integrate and implement the ERP into your business system to ensure efficiency and increased productivity. An ERP like Odoo allows you to reach the highest peak of success, paving more ways for futuristic growth and expansion. The smaller businesses take one step forward with the support of this application suite, hence the advantages of the Odoo ERP is indisputable.Odoo: The One-in-All solution So, what makes Odoo the best choice of ERP for an SME? The answer is its modularity, affordability, ease of use, flexibility, and accessibility. Your business, even if it is a small-level one, can deploy this ERP effortlessly.As open-source software, Odoo comes with a rarefied interface that gives you complete control over the business processes, therefore governing your business system and workflow. If you compare Odoo with the other ERP options available today, you can find that this is undoubtedly rich in features and functionalities.Here are the key reasons why Odoo is the best ERP for small business today. </p><p>A Comprehensive and Cohesive Application</p><p>All businesses run on the basis of a distinct set of operations like accounting, customer relationship management, sales and purchase orders tracking, human resource management, warehouse management, and more. While a majority of the organisations manage these by using multiple software applications, it becomes expensive and haphazard for the company instead.For the SME’s, being unable to afford this huge investment, they start relying on multiple vendors and software solutions to take care of these operations. But with the Odoo ERP software, these small businesses are now benefitted manifolds. With various features, functionalities, apps, and modules, it stands out as the best choice with everything under a single platform.Odoo comes with thousands of modules and a complete suite of applications to cover all business operations. This ERP encompasses different modules like inventory module, CRM module, accounting module, human resource module, manufacturing module, and more for almost all business processes. Odoo’s application store comprises thousands of apps catering to different operations of small and medium level businesses.</p><p>Extremely cost-effective</p><p>Investment or the cost factor is always a matter of concern for every small and medium-level company. Often, because of the restricted budget, the SME ignores the need for an ERP implementation. ERP software solutions like SAP, ERPNext, Oracle, and Microsoft Dynamics charge a huge amount of cost. But unlike these, Odoo streamlines the business process and fulfils almost every major business requirements at affordable prices.With Odoo ERP, you won’t have to pay any license fee. The installation charge is also very nominal. The community version is also very cost-effective. Overall, this ERP is the most affordable solution for every business today and is the perfect choice for the SMEs. It ensures maximum ROI, easy business management, and a smooth workflow.</p><p>Easy availability</p><p>Odoo is easily available and is free to download. This is again the reason to choose this ERP instead of the other models available in the market today. It is suitable for every business need, especially for the SMEs. Also, with Odoo, you can easily check the suitability and requirements of features and functionalities so that it can appropriately take care of all your vital business tasks.</p><p>Simple integration and implementation</p><p>Odoo is an API-friendly ERP software and is pretty simple to integrate and implement. Odoo reduces the probability of untimely behavioural changes that every small business goes through. In addition to this, Odoo ERP has a modular structure, which makes it a great choice for the SMEs. The small and medium-level businesses can begin with implementing the basic modules as per the requirements. Gradually they can progress with customising and including more modules for better performance results.</p><p>Highly modular</p><p>Odoo comes with thousands of modules, which can be operated and integrated according to the business requirements. It is easy to use these modules and implement the same for managing the business right from warehouse management to sales, orders, shipping, manufacturing, eCommerce, trading, finances, human resources, customer relationships, and more. And the best thing is that all these modules are fully customisable.</p><p>Open-source</p><p>Odoo is an open-source ERP software solution, which makes it easily accessible to all. Because of the open-source nature of the ERP, you can access the codes and modules any time as per your interest. This is again another significant advantage of using Odoo as the ERP for small business.</p><p>Streamlined UI </p><p>Navigation is quick and simple in the Odoo ERP because of the streamlined and robust laid out interface. As compared to the other ERP options, where the UI tends to be complex and cluttered, Odoo stands out as the best with a simple UI and allows easy execution of functions.</p><p>Maintains transparency</p><p>The transparency maintained by Odoo cuts down the need to export or re-enter data, resulting in fewer glitches, errors and leading to flawless business performance. It increases productivity, which is an important aspect of every small and medium level business. It also reduces the investment in human resources, thus automating every business operation at the same time.</p><p>Quick decision-making</p><p>Real-time data offered by an ERP like Odoo proves to be advantageous for business marketing and management, accounting, etc. It enables the business to make quick decisions on vital matters thereby reducing the overdue of deadlines.</p><p>Increase the overall productivity </p><p>One of the major reasons to choose Odoo ERP for a small or medium-level business is a huge increase in overall productivity. For every SME, this is a significant factor. An increase in productivity is the main objective of all growing ventures. And this is what Odoo guarantees to offer. With Odoo, transforming several features of the business and overcoming some major challenges faced during business growth, becomes easy.</p><p>Streamlined data</p><p>When an SME chooses to get ERP software like Odoo implemented into their business system, mainly because of the benefit of obtaining a streamlined data flow. For instance, the financial data of a business needed by the inventory department of the business can be a little tough to get hold of. But, with Odoo ERP software, it becomes easy since all the official data and info are available to every department and employees.</p><p>Improved communication and collaboration</p><p>Integrating an ERP for a small and medium level business can result in a vast change when it is all about communication and collaboration between different departments of work. Lack of collaboration and poor communication often results in unavailability and inaccessibility of data. Of course, no growing business would want this to happen. This is the reason why choosing an ERP software solution like Odoo becomes highly important.ConclusionSo, all these reasons make it essential for small and medium-level businesses to look for an expert and reliable Odoo consultant so that they can get the ERP implemented. A streamlined and smooth workflow with increased productivity and revenue is what every SME wants and Odoo ensures the same fitting for all companies. Whether you are running small manufacturing, trading, textile, eCommerce, retail, or other business, Odoo always fits your requirement and automates the processes, therefore resulting in faster and higher ROI. </p>]]></content:encoded> <wfw:commentRss>http://ddbgmms.info/reasons-why-odoo-is-the-best-erp-for-small-medium-level-businesses/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>TOP SEO Mistakes – Top SEO Website Errors</title> <link>http://ddbgmms.info/top-seo-mistakes-top-seo-website-errors/</link> <comments>http://ddbgmms.info/top-seo-mistakes-top-seo-website-errors/#comments</comments> <pubDate>Sun, 19 Mar 2023 15:00:19 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ddbgmms.info/?p=47</guid> <description><![CDATA[Are you using the right keywords to optimize your website? In many cases websites are optimized for the wrong SEO keywords. You need to do the research to find out what SEO keyword phrases people actually use to search for … <a href="http://ddbgmms.info/top-seo-mistakes-top-seo-website-errors/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Are you using the right keywords to optimize your website?<br />In many cases websites are optimized for the wrong SEO keywords. You need to do the research to find out what SEO keyword phrases people actually use to search for businesses in your particular field. In many cases you will discover that SEO keyword phrases that you thought were important are in fact rarely searched for; the opposite is also true.How well does your website show up well in Google, Yahoo, Ask and Bing?<br />You should test the effect of searching for your SEO keywords on a regular basis in all the major search engines. Your website position in the search engines will fluctuate and needs regular monitoring.Website Title – The single most important onsite SEO factor.<br />The web page title is very important. It should be relevant, the correct length and different on every page within the website. It is surprising how often we see inappropriate web page titles, no titles at all or a title that says something stupid like “HOME’ or in the case of really lazy website designers ‘TITLE GOES HERE’. Use a different title for each page within your website. Remember that search engines list pages, not websites, so each page is a fresh SEO opportunity.Website Description.<br />Tell Google what your page is about. As with the web page title, in many cases the Description is missing or incorrectly used.Website SEO Keywords.<br />While many search engines no longer use Keyword Meta tags, some still do, and they should accurately reflect page content, but you must be careful not to use too many of them.Broken links will harm your SEO efforts.<br />This is the number one error that we find when auditing websites. You click on a link within the website and you see an error message telling you that the page cannot be found. This delivers a very unprofessional image to people visiting your website. It is likely that Google will also mark you down in the search engine rankings, as Google expects technically perfect websites. There is no excuse for broken links within a website. Broken image links are also a common error found within websites. Instead of a picture being displayed you will see a broken image logo. Again this is easily checked for by professional website designers and there is no reason for a website to have broken image links.Picture only websites are disastrous for SEO.<br />Sometimes you will visit a website that appears to be displaying the usual mixture of text and pictures, but on closer inspection, even the text is actually contained within a picture. If there is no real text displayed within a website, Google has no clue what the website is about and the website will feature very poorly in the search engine results. There are ways to partly fix this, using what are called ‘Alt’ tags, used in combination with the website title and description, but as a rule your website should contain lots of relevant text. This is what Google likes!No relevant SEO keywords in a page.<br />If your website content fails to mention your product or service, it is not surprising that your website ranks poorly within Google. There are lots of tricks relating to where you place your keywords on a page and that is what we excel at. Simply stuffing a page with keywords will not achieve the desired result, and may even hurt your listing within Google, as it may interpret too many keywords as an attempt to spam the search engine listings. Google takes a very dim view of attempts to spam it.Number of back links<br />A very important SEO factor. Do you know how many other websites link to your website? Google does. The more links to your website, the better. Also the quality and source of the links is important to Google. If you suddenly gain hundreds of links overnight, this can trip the spam alert at the search engines and you can end up in a worse position within the search engines than before you started any SEO activities on your website.Google Page Rank.<br />Do you know what your Google Page Rank number is? In fact do you know what the Google Page Rank means? Google rates all sites using hundreds of different criteria and comes up with a number for your website. 0 is bad while 10 is the highest value. The higher the Page Rank the more likely that your website will show up higher within the Google search engine results. Many websites we audit have a page rank of 0 or 1, which is not good! Install the Google toolbar to view your website’s PageRank.Alt tags.<br />Great for your website’s SEO. Alt tags (short for Alternative tags) are a way of telling Google what a picture is about. As far as Google is concerned a picture is just a picture. Google does not know what a picture is about, unless you specifically tell Google using an Alt tag. It is amazing how few website designers go to the bother of using alt tags, which is a pity, as proper use of alt tags can have a big influence on your listing within the Google search engine results.Ease of Navigation and menu issues.<br />Many websites are hard to navigate. This means that it may be difficult to move from page to page, or back to the home page. This is such an important aspect for your website visitors and it is a shame that we see so many poorly constructed menu systems. Google may also find it hard to navigate your website and categorize each webpage which can harm your SEO efforts.Spell checking and grammatical issues.<br />It is vital that you check the spelling within your website. The correct use of grammar is also important. If your website is full of these types of errors, it gives a poor impression. Your company looks unprofessional. Correct spelling is also important for Google.Flash and java issues.<br />If your website uses flash or java to enable website navigation, make sure that you use the technology carefully as you may find that some search engines are unable to follow the links and as a result will not list most of your website pages within their search engine listings.Google Analytics.<br />This is a free tool from Google that allows you to analyze visitors to your website and track how they interact with your website. Has your website been enabled to show Google analytics data? If not you are missing out on a vital source of information about your website.Heading tags.<br />Proper use of heading tags within your HTML code can play a vital role in onsite keyword SEO. Many websites we audit are completely devoid of any heading tags. Try and use 2 or 3 levels of headers.Open Directory Project.<br />Did you know that a submission to the Open Directory Project is one of the most valuable links you can get in terms of your website’s SEO? They reject most sites and only accept sites that are technically near perfect and contain high quality information, presented through a professionally designed interface that is easy to navigate.How many pages of your website are indexed in Google?<br />Do you know how to see exactly how many pages that make up your website are listed within Google? You would expect Google to know about your home page, but the more pages within your website that Google knows about, the better. For example a large website promoted by us, has 10,300 pages listed within Google.W3C validation.<br />W3C is an organization that sets website standards. Do you know if your website passes W3C validation?File names.<br />The name of a file can be a valuable clue to Google, as to what the file contains. For instance if you have a picture of a motor car and the picture file is called 0001.JPG this does not tell Google anything. On the other hand if the file was called CARS-FOR-SALE-IN-PERTH.JPG, then this can help considerably with your website SEO. The same principle applies to the naming of all files and folders within your website.PDF file size Issues.<br />If you use PDF files, there are many ways of reducing the size of the final PDF file. The larger the file size the slower the PDF file will load on the screen or download to a hard disk.Do all the major search engines know about your website?<br />Remember that apart from Google there are a few other search engines that your website should be listed in, such as Yahoo, Bing and Ask.Flash file sizes.<br />The larger the size of your flash file, the longer it will take to load. Many sites use flash banners that have enormous file sizes. This can be very frustrating for your visitors.Google Places page.<br />This is a fantastic way of getting your website listed in the local service or products section within the Google results. The majority of websites do not use this feature at all and many of those that do use it do not take full advantage of the SEO opportunities afforded by the Google Places feature.Flash or graphical intro pages.<br />How often have you visited a website to be greeted by a meter that tells you a flash introduction screen is loading, which often seem to take forever to load and once they do load actually display little relevant information. If you are lucky you can click on a ‘skip intro’ button. Do not use intro pages as they just annoy website visitors and can harm your website SEO.Text used within links (anchor text).<br />The correct use of keyword text within a hyperlink can play a significant part in your on-page keyword SEO strategy. In many cases this SEO opportunity is wasted when the hyperlink contains words such as ‘click here’.Home page file size.<br />Do you know the combined file size of your home page? By combined, I mean not just the HTML page itself, but all the associated graphic, CSS and flash files. The longer a page takes to load, the more likely a visitor will click on the Back button and visit a different website.Java issues.<br />If a visitor to your website has disabled Java in their local browser, how will this affect your website? Will the menu systems still work? If you must use Java, at least have an alternate menus system that visitors can use. Search engines may have difficulty following some types of Java based menu systems.Do not use hidden text to try and trick the search engines.<br />Everyone knows that having keywords on your web page is important as far as SEO is concerned. A very old trick is to have lists of your keywords repeated over and over at the bottom of the page, formatted to display in white text on a white background. Google hates this type of spamming and is on the lookout for it. Far from improving your website’s position with the Google Search Engines results, you could find that your website gets severely penalized by Google. Do not try spamming Google, they will find out! </p>]]></content:encoded> <wfw:commentRss>http://ddbgmms.info/top-seo-mistakes-top-seo-website-errors/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Education Graduate Degree</title> <link>http://ddbgmms.info/online-education-graduate-degree/</link> <comments>http://ddbgmms.info/online-education-graduate-degree/#comments</comments> <pubDate>Sun, 19 Mar 2023 13:21:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ddbgmms.info/?p=44</guid> <description><![CDATA[Statistics from the U.S. Census Bureau reveal that a person who holds a graduate or master’s degree can expect to earn about $55,000 per year. People holding a bachelor’s degree can expect to earn around $46,000 per year. The average … <a href="http://ddbgmms.info/online-education-graduate-degree/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Statistics from the U.S. Census Bureau reveal that a person who holds a graduate or master’s degree can expect to earn about $55,000 per year. People holding a bachelor’s degree can expect to earn around $46,000 per year. The average benefit for holding a graduate degree can raise a person’s income about $225,000 over a period of 25 years. This rate of return clearly shows that it is a solid investment to pursue a online graduate degree. Online education graduate degrees enable busy adults to attain a higher education while still maintaining employment to earn a living.Requirements to Pursue an Online Education Graduate Degree – To earn a graduate degree online, students need to be well-organized self starters who can manage their time and review course material independently. Online students also need full access to a computer with a 56 kbps modem or better, with Internet service and virus protection. Students attending school online should be able to use email and basic Internet functions to communicate with professors and take online exams. Online education graduate degree programs are delivered in a web-based format that is available 24 hours a day for the convenience of working students seeking success.Validity of Online Education. In the 1994 study of R. Clark, and in the Pew Learning and Technology Study ‘Innovations in Online Learning’ by Carol Twigg in 2001, they concluded that if the online course was designed with the same rigor as one taught in a face-to-face environment, the outcome is likely to be equivalent. Further, the standards for undergraduate education are defined by the Seven Principles developed by Chickering & Gamson (1991). These seven principles were updated to show how to implement these ideals in online education (Chickering & Ehrmann; Graham, et al. 2001). In 2002, the Ohio Learning Task Force issued a report that recommended principles derived from Chickering & Gamson were to be used to design, approve, assess and review all courses, whether in person, or online, or a blend of both. The Seven Principles a) encourage contact between students and faculty; b) encourage active learning; c) encourage cooperation between students; d) give feedback promptly; e) communicates high expectations; f) emphasizes time on task; and g) respects diverse ways of learning and talents. Therefore, online education graduate degrees follow the same criteria as those earned at a physical college campus, so they are equally viable.Cost of Online Education. Getting an online education graduate degree can be more affordable than attending a physical college campus because there are no costs for transportation or housing. In 2004, an online resource site took a sample size of 120 online master’s degree programs and found that the cost for education could range from $2,760 to $110,000 for an accredited degree. However, graduate degree students can explore several options for tuition assistance, including:Tuition Reimbursement. The National Center for Education Statistics found that almost 20 percent of all graduate students receive aid from their employers. Potential online education graduate degree students should consult with the human resources director of their company about tuition reimbursement programs and company scholarships they may qualify for.Labor Unions. Over 60 labor unions, through 38,000 national chapters, offer $4 million dollars in educational financial aid. If a student belongs to a union, the web site at http://www.aflcio.org can offer leads to Union-Sponsored Scholarships and Financial Aid.Financial Aid. There is even state and government financial aid available for certain distance learning programs. The free government aid directory at http://www.ed.gov/programs can help students locate resource centers in their state and offer information about financial assistance to pay for college.Loans. There are government-backed Stafford student loans that typically carry the lowest interest rate. For example, the interest rate for a Stafford education loan in 2003 was only 3.42 percent. Students seeking Stafford loans should consult the free annual publication, the Student Guide to Financial Aid. Private student loans are also offered through finance companies such as KeyBank or Citibank, but they usually charge higher interest rates and require students to pass a credit check.Tax benefits. There are also significant tax benefits available to online education graduate degree program students. Interest on student loans may be tax deductible during the first 60 months of the period to pay them back. Eligibility for this tax benefit can be determined by checking the IRS Publication 970: Tax Credits for Higher Education. Further, under the Lifetime Learning Credit, students may be eligible to deduct up to 20 percent of the first $10,000 of graduate tuition from federal taxes. Also, some or all tuition expenses may be deducted if an employer requires additional education to maintain the student’s current professional status. Students can review IRS Publication 970 for guidelines, or consult with an accountant to see what portion of tuition for college can be deducted from their taxes.When a potential student considers the ease of earning an online education graduate degree, along with the improved financial status as a result of attaining this degree, it is clearly a wise decision to pursue virtual learning. </p>]]></content:encoded> <wfw:commentRss>http://ddbgmms.info/online-education-graduate-degree/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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