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  22. <title>How to Avoid Taking Out a Payday Loan When You Need Money Now!</title>
  23. <link>http://atentaio.info/how-to-avoid-taking-out-a-payday-loan-when-you-need-money-now/</link>
  24. <comments>http://atentaio.info/how-to-avoid-taking-out-a-payday-loan-when-you-need-money-now/#comments</comments>
  25. <pubDate>Mon, 17 Jul 2023 23:45:49 +0000</pubDate>
  26. <dc:creator>admin</dc:creator>
  27. <category><![CDATA[Online payday loan]]></category>
  28.  
  29. <guid isPermaLink="false">http://atentaio.info/?p=121</guid>
  30. <description><![CDATA[A payday loan, payday cash loan or cash advance is simply a short-term loan that you repay when you get your next paycheck. It&#8217;s fast and your credit history is not a factor. People get them when they need cash &#8230; <a href="http://atentaio.info/how-to-avoid-taking-out-a-payday-loan-when-you-need-money-now/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  31. <content:encoded><![CDATA[<p> A payday loan, payday cash loan or cash advance is simply a short-term loan that you repay when you get your next paycheck. It&#8217;s fast and your credit history is not a factor. People get them when they need cash loans now, today or overnight! I&#8217;ll go into some of the alternatives you might not have thought about to come up with some cash to solve your immediate needs and discuss the best payday loan approach.Most people can&#8217;t afford to set emergency funds aside for medical emergencies, auto repair bills or any thing else that could be considered outside of the normal bills. You know you have money coming in your next paycheck but you need it now.First of all, try not to panic. You need to think clearly and take a little time to think things through. Is there any other way to get the amount of cash you need instead of taking out a payday cash loan?Can you delay or skip a payment on a loan you already have? Many creditors will let you extend your payment to another day of the month without any penalties or reporting you to a credit bureau. If you think the amount is enough to help you, you can also check with your utility and phone companies. They will often work with customers,Can you work any overtime to get what you need and get a cash advance on your next paycheck? Can you get a cash advance loan on your next paycheck without putting you in a bind? If you work for a large company talk to the Human Resources Department. Some companies will give a paycheck advance and let you make the payments over several paychecks if needed, a much better option than a payday loan.Do you have any type of hobby or skill that you could put to use temporarily? Some people have done this in an emergency situation and ended up quitting their jobs. Can you fix cars? Can you create gift baskets and make the round of businesses and hospitals with a sample basket. Hospital staff and patients love this. See if the gift shop will take some on consignment. Can you offer babysitting or temporary adult day care of one person &#8211; something that wouldn&#8217;t require licensing?Can you pawn of sell something you no longer need? Look around in pawn shops if you need to get an idea what they like to handle.Can you sell something on Craigslist or eBay? Do you have any old cookbooks you can sell on eBay? Old Betty Crocker and cookbooks with autographs will bring higher prices. Craigslist would be the best and fastest way to get some immediate cash. How about a foosball table or pool table you no longer use. Automobile parts go fast on Craigslist. Look around your house and garage. People pay a lot of money for old used Birkenstocks! Check items on eBay to establish prices, but sell on Craigslist.If you have a pickup you can place a small ad on craigslist and offer to haul away junk for a fee.Do you have access to old trees for cutting firewood that you could sell?If you&#8217;re handy can you place a small local ad on Craigslist that you&#8217;re a handyman or handywoman and can fix most minor household problems? Most people who work don&#8217;t have time to do this and would welcome someone to come in and fix a few problems.Would you consider cleaning houses for a day or two?Some of these ideas may seem impossible for you but they&#8217;re more to get you thinking.If you haven&#8217;t already done it can you adjust your income tax withholding so you have use of the money now instead of when you get your income tax refund?Check with your local humanitarian agencies. They will often loan or give you money in an emergency situation. Local churches and the Salvation Army can also be good resources.Some states allow you to borrow against your car title. Check and see if your state will do it.And finally, check with your bank or credit union to see if you can get a small personal loan instead of a payday loan. These loans will have a lower interest rate and better terms.If all the above is not possible, and you need the cash fast, then consider a good online payday lender because you don&#8217;t have to produce any documents called no-fax or faxless payday loans so you can get a loan fast and it&#8217;s quick and easy. The important thing to do is research the lender to fully understand all the pros and cons. Payday loans can be a good short-term alternative when you need cash fast and you know that you can repay it with your next paycheck. But make sure to compare online lenders before you commit. <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>
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  37. <title>Complete Business Management Software</title>
  38. <link>http://atentaio.info/complete-business-management-software/</link>
  39. <comments>http://atentaio.info/complete-business-management-software/#comments</comments>
  40. <pubDate>Sun, 09 Jul 2023 20:56:48 +0000</pubDate>
  41. <dc:creator>admin</dc:creator>
  42. <category><![CDATA[Uncategorized]]></category>
  43.  
  44. <guid isPermaLink="false">http://atentaio.info/?p=119</guid>
  45. <description><![CDATA[Searching for a business management software with integrated accounting, inventory management, sales force automation, purchasing, and more? It is important to find a software solution that is fully customizable and can suit your exact data needs. The right business management &#8230; <a href="http://atentaio.info/complete-business-management-software/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  46. <content:encoded><![CDATA[<p> Searching for a business management software with integrated accounting, inventory management, sales force automation, purchasing, and more? It is important to find a software solution that is fully customizable and can suit your exact data needs. The right business management software will help improve productivity by centralizing business processes such as contact, job and time management, budgeting, scheduling, order processing, inventory, invoicing and employee management. The purpose of utilizing the right business database software is to ultimately manage your sales, customers, employees, vendors, inventory and all the paperwork associated with your business in a complete and easy to use business softwareBy implementing the correct data management system, it will help you better manage your business, and get more profit for your organization. Your employees and contractors submit time sheets over the web and you download the data instantly into all in one system. Businesses that opt to use a business database solution software soon see the benefits of doing so in terms of increased productivity and lowered inefficiency. Business management software is the key to business efficiency and will hold your business together at the most critical times. By integrating all your businesses current customer contact, quoting, invoicing and document storage applications into one software solution your business will save a money each and every year.Now all of this is can be done via the internet and because all of your software needs are connected to one centrally located server, it is easy to access and maintain the much valued information. Your sales staff can now have the ability to locate client information, warehouse inventory and send a PDF quote right from their mobile device.If you are interested in purchasing business management solution you need to understand that all software systems are not the same. Some types of business management software&#8217;s do not have a great amount of flexibility and that is an important aspect for your business. 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  47. ]]></content:encoded>
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  49. <slash:comments>0</slash:comments>
  50. </item>
  51. <item>
  52. <title>Teaching Piano &#8211; 6 Tips To Start Your Home Studio</title>
  53. <link>http://atentaio.info/teaching-piano-6-tips-to-start-your-home-studio/</link>
  54. <comments>http://atentaio.info/teaching-piano-6-tips-to-start-your-home-studio/#comments</comments>
  55. <pubDate>Sat, 08 Jul 2023 21:11:16 +0000</pubDate>
  56. <dc:creator>admin</dc:creator>
  57. <category><![CDATA[Pedagogy]]></category>
  58.  
  59. <guid isPermaLink="false">http://atentaio.info/?p=116</guid>
  60. <description><![CDATA[If you want to start teaching piano from your own piano studio, you can earn more than before. You get to run the business, make decisions, and keep all the earnings for yourself. Teaching from a college or someone&#8217;s private &#8230; <a href="http://atentaio.info/teaching-piano-6-tips-to-start-your-home-studio/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  61. <content:encoded><![CDATA[<div id="article-content">
  62. <p>If you want to start teaching piano from your own piano studio, you can earn more than before. You get to run the business, make decisions, and keep all the earnings for yourself. Teaching from a college or someone&#8217;s private music school decreases your earning potential by about 50%. Of course the owner of the school you teach piano from will expect to have a cut from the profits. Follow these simple tips to start your own piano lesson business.</p>
  63. <p>1. From the beginning of your home-based business, you should make your piano teaching business legitimate by registering it. This can prevent legal complications later on and is helpful once you decide to expand your music school. Teaching piano like a pro can also help you gain credibility from clients.</p>
  64. <p>2. If you are not a certified piano teacher, you may want to consider taking pedagogy courses to become a professional piano teacher. Teaching piano without teaching certification can limit your earnings because a professional teacher can charge higher rates. Students and parents of your students will also be more confident enrolling with a real piano teacher. You can get more students if you have pedagogy certificates.</p>
  65. <p>3. Promote your piano lesson business so that people in your community will know that you offer lessons. You won&#8217;t get any students if no one knows about your piano business. Talk to schools in your neighborhood, they can refer students to you if they themselves do not offer piano lessons. Print fliers to be distributed about town. Post advertisements in your local newspapers and community bulletin.</p>
  66. <p>4. You can start teaching piano from your house, but decide if you have plans of expanding the business in the future. Building a piano studio at home is not cheap and it will make better economic sense to prepare for expansion during construction. If you want to get a commercial space later on, you don&#8217;t have to make your homes studio too large.</p>
  67. <p>5. Once you start getting more pupils than you can handle, don&#8217;t rashly turn down new clients. Why not offer group lessons so you can accommodate more pupils. Teaching piano to more students means more earning for you too. If you really think that you can&#8217;t handle the pressure and volume of students, don&#8217;t push it and risk burning yourself out. Hire extra teachers to help you.</p>
  68. <p>6. Watch your earnings and cash flow. It is important to separate your business expenditure from your household expenses. Keep a separate bank account for your piano business and pay bills incurred by your business from your earnings. Never mix budget from your household with bills incurred in your studio. Keep separate financial records for your home and business.</p>
  69. <p>Starting piano lessons from your own studio is more enjoyable than being an employee at a music school. You also get to make more money by teaching piano from your own studio. You can charge between $15 to $30 per 30 minute lesson. If your students complain that the rate is too high, you can add another 15 minutes for those who pay over $25. Find out what other teachers in your town are charging piano students. Teaching from an upscale community also allows you to charge more.</p>
  70. </p></div>
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  72. ]]></content:encoded>
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  75. </item>
  76. <item>
  77. <title>How Effective Is Outsourcing As An Online Business Strategy?</title>
  78. <link>http://atentaio.info/how-effective-is-outsourcing-as-an-online-business-strategy/</link>
  79. <comments>http://atentaio.info/how-effective-is-outsourcing-as-an-online-business-strategy/#comments</comments>
  80. <pubDate>Fri, 12 May 2023 11:12:39 +0000</pubDate>
  81. <dc:creator>admin</dc:creator>
  82. <category><![CDATA[Uncategorized]]></category>
  83. <category><![CDATA[best business ideas]]></category>
  84. <category><![CDATA[best online business]]></category>
  85. <category><![CDATA[best online business ideas]]></category>
  86. <category><![CDATA[best online business to start]]></category>
  87. <category><![CDATA[business ideas]]></category>
  88. <category><![CDATA[how to make money online]]></category>
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  90. <category><![CDATA[online business]]></category>
  91. <category><![CDATA[online business from home]]></category>
  92. <category><![CDATA[online business ideas]]></category>
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  97.  
  98. <guid isPermaLink="false">http://atentaio.info/?p=114</guid>
  99. <description><![CDATA[If you are planning on starting a new business, you are expected to be aware of the many tasks involved in becoming successful in such a venture. On top of product creation, management, maintenance, you also have to worry about &#8230; <a href="http://atentaio.info/how-effective-is-outsourcing-as-an-online-business-strategy/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  100. <content:encoded><![CDATA[<p> If you are planning on starting a new business, you are expected to be aware of the many tasks involved in becoming successful in such a venture. On top of product creation, management, maintenance, you also have to worry about the technical aspects involved in bringing about the required results in making your products and services marketable to your business&#8217;s target audience. You have to make use of online business ideas,and not just the old and tried business ideas; a lot of research are required to be undertaken in the midst of the changing landscape of online which will make it possible for you to come up with a new online business strategy that matches a given situation.Juggling all of these tasks can get unwieldy. But in a business that makes use of variables related to the internet, you can use a related variable such as outsourcing.Outsourcing is that process in which a company delegates specific services to a third party for a fee. These services include copywriting, SEO, marketing, graphic design, virtual assistant services, and many more. Outsourcing is an efficient and cheaper way to hire labor, resulting to more reserved energy to perform other important tasks required to move the business forward. Outsourcing specified tasks also makes it easier for you to oversee all the aspects of the business and in turn helps with easier management. It also opens up more possibilities as far as online business ideas are concerned. When the possibilities are open, the higher the chance you can discover or come up with a new online business strategy that works.There are a few guidelines you have to follow in outsourcing your online business:1. Take some time to learn the aspects involved in the non-technical tasks.<br />
  101. Most business owners are non-techies and would be more equipped to handle managerial tasks. Just because you&#8217;re outsourcing services doesn&#8217;t mean that you won&#8217;t have to oversee the goings-on of the projects that you have delegated to other people. Taking the time to learn what works and what doesn&#8217;t will allow you to set a standard for all the work that is being done. This ensures that quality work is being done, and that can be good for your online.2. Outsource one at a time.<br />
  102. At least do this initially. Remember, before you make a long term commitment with a third party company, trust has to be earned first. That trust is earned if the terms of the agreement between your company and the company providing the outsourcing services are met. Once the initial outsourcing task has been done well enough, then that&#8217;s the time for you to outsource the other tasks involved in your online business.3. Be careful in providing information<br />
  103. When you outsource specific tasks, be they copywriting, SEO, or virtual assistance, it is important that you provide only the information (passwords, online business ideas, etc.) required to do the job.You are doing outsourcing right if you follow these three guidelines. Just stay on your toes and always do a regular check on everything that&#8217;s going on about your online business. This should be easy enough since you are delegating these tasks to people you can trust. You may be able to come up with an online business strategy that will take your online business further. And all of these become possible because of outsourcing. </p>
  104. ]]></content:encoded>
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  106. <slash:comments>0</slash:comments>
  107. </item>
  108. <item>
  109. <title>The Gordian Knot: Slash Through Corporate Inertia, Maximize Telecommunications Savings</title>
  110. <link>http://atentaio.info/the-gordian-knot-slash-through-corporate-inertia-maximize-telecommunications-savings/</link>
  111. <comments>http://atentaio.info/the-gordian-knot-slash-through-corporate-inertia-maximize-telecommunications-savings/#comments</comments>
  112. <pubDate>Fri, 12 May 2023 05:54:26 +0000</pubDate>
  113. <dc:creator>admin</dc:creator>
  114. <category><![CDATA[Uncategorized]]></category>
  115. <category><![CDATA[Telecommunications]]></category>
  116.  
  117. <guid isPermaLink="false">http://atentaio.info/?p=112</guid>
  118. <description><![CDATA[Savings Opportunities in Current DifficultiesThere is a silver lining to these current dismal economic times. The very hardships corporations face today may open a right thinking management team to solutions and strategies that historically would not be considered. Great management &#8230; <a href="http://atentaio.info/the-gordian-knot-slash-through-corporate-inertia-maximize-telecommunications-savings/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  119. <content:encoded><![CDATA[<p> Savings Opportunities in Current DifficultiesThere is a silver lining to these current dismal economic times. The very hardships corporations face today may open a right thinking management team to solutions and strategies that historically would not be considered. Great management teams will likely embrace and maximize new savings opportunities while stressing efficiency like never before. This is especially true when it comes to right-sizing and optimizing your enterprises telecommunications and wireless environments.The Gordian KnotThe ancient fabled Gordian Knot was tied by the gods and purportedly could only be untied by the coming and favored king of the world. Only a great leader untying this knot would reveal his glory and gain the allegiance of the rulers of Asia Minor. The great Alexander of Macedon, sizing up the impossibility of the unraveling of the fabled knot, chose to change the rules, break the paradigm, and slashed through the enormous knot with his trusty sword. Then it is said he turned to the guardian priests and elders, pointed out that he and he alone had unraveled the great knot, then asked the guardian priests for their blessing. Who likely understood, that the same sword that dispatched the knot would easily dispatch them if they did not see the wisdom of the new king of the world. Alexander broke through the restricting traditions and comfortable paradigms of the peoples and other rulers of his age. Through ruthless initiative, creative strategies, state of the art war technology, boundless energy, and confident leadership, Alexander changed the boundaries of the known world. To this day he is one of the very few leaders in world history whose last name is &#8216;the Great&#8217;.Wikipedia states, &#8220;The Gordian knot&#8230; is often used as a metaphor for an intractable problem solved by a bold stroke (&#8220;cutting the Gordian knot&#8221;)The Bold Stroke Often a business&#8217;s leadership has enterprise traditions and corporate philosophies that &#8216;knot up&#8217; innovation lending support to the status quo. These times require a &#8216;Bold Stroke&#8217; to slash through to more profitable strategies. Today&#8217;s difficult and treacherous economy demands &#8216;out of the box&#8217; creative thinking. Many companies have recognized for years the importance of technology and the wise use thereof, to optimize various aspects of their company&#8217;s core business functions. Yet remarkably find themselves bound to higher than needed spend on non-core business categories. This occurs through dated sourcing practices, inefficient methodologies, lack of internal expertise, and no longer tested and true strategies once considered successful. Industry experts state, this is clearly true of most company&#8217;s telecom services and their current optimization strategies.Questions To AskHow is your company ensuring your telecom services are correctly utilized and in proportion to its real needs and requirements? Do you have in-house expertise in achieving Best in Class pricing and fully optimized telecom inventory/plan management? Is your telecom management team using Best in Class optimization solutions and strategies? Or are they locked into limited time/cost savings results their dated current inefficient efforts provide?Finding The Right SolutionI recently talked with a CFO of a major enterprise who acknowledged precisely this situation in his company. They could produce their product with ruthless efficiency, while their purchasing practices for non-core related sourcing (including telecommunications services) had been inefficient for 20 years or more. Some of those areas of spend accounted for 30% of their companies overall budget. However, their company&#8217;s corporate philosophy was in-sourcing, even though many of their internal human assets had neither the time nor the expertise, not to mention the energy left to fully optimize their non-core sourcing and management initiatives. He was happy to find that with the right solution, united with the industry expertise, and energized by a non biased third-party with a stake in the savings their efforts generated, was just what his company needed to accomplish significant savings and recoveries.Pick Up The SwordWhether, your enterprises corporate philosophy has always been in-sourcing, or your management team occasionally out-sources, the wise use of technology and out-source expertise on non core purchasing practices such (as telecommunications services) can truly be vital for your company in those areas that so often get overlooked. Perhaps it is time for you leadership team to pick up the sword, and slash through the inertia that plagues so many companies. Unleash the power of a telecom solution coupled with years of telephony expertise. This Smart-sourcing is a wise blending of your corporate assets and third-party expertise along with state of the art solutions. Smart-sourcing will maximize your optimization efforts for your corporate telecom environment through cutting edge expense and asset management and time/cost savings with resulting efficiencies.Called GreatWouldn&#8217;t it be awesome, if your management team would associate your name with &#8216;Great&#8217; for thinking and stepping outside the corporate box&#8230; finding significant savings in ways never experienced in a time when it is undeniably needed. Perhaps now is the right time for you to pick up the sword &#038; slash through the Gordian Knot of telecom optimization inefficiency and retrieve unexpected cost savings and recoveries. Your boss will think it great and you will be glad you did!Let me know if we can help? </p>
  120. ]]></content:encoded>
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  122. <slash:comments>0</slash:comments>
  123. </item>
  124. <item>
  125. <title>There is an excessive amount of traffic coming from your Region.</title>
  126. <link>http://atentaio.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region-2/</link>
  127. <comments>http://atentaio.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region-2/#comments</comments>
  128. <pubDate>Thu, 11 May 2023 15:36:36 +0000</pubDate>
  129. <dc:creator>admin</dc:creator>
  130. <category><![CDATA[Uncategorized]]></category>
  131. <category><![CDATA[basic finance]]></category>
  132. <category><![CDATA[finance]]></category>
  133. <category><![CDATA[finance basics]]></category>
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  159.  
  160. <guid isPermaLink="false">http://atentaio.info/?p=110</guid>
  161. <description><![CDATA[#EANF#]]></description>
  162. <content:encoded><![CDATA[<p>#EANF#</p>
  163. ]]></content:encoded>
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  165. <slash:comments>0</slash:comments>
  166. </item>
  167. <item>
  168. <title>Mortgage Direct Mail &#8211; Understanding the Risks of Creating Mortgage Advertisements</title>
  169. <link>http://atentaio.info/mortgage-direct-mail-understanding-the-risks-of-creating-mortgage-advertisements/</link>
  170. <comments>http://atentaio.info/mortgage-direct-mail-understanding-the-risks-of-creating-mortgage-advertisements/#comments</comments>
  171. <pubDate>Thu, 11 May 2023 10:24:04 +0000</pubDate>
  172. <dc:creator>admin</dc:creator>
  173. <category><![CDATA[Uncategorized]]></category>
  174. <category><![CDATA[advertising]]></category>
  175. <category><![CDATA[advertising agency]]></category>
  176. <category><![CDATA[advertising basics]]></category>
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  183. <category><![CDATA[children advertising]]></category>
  184. <category><![CDATA[creative advertising]]></category>
  185. <category><![CDATA[digital advertising]]></category>
  186. <category><![CDATA[facebook advertising]]></category>
  187. <category><![CDATA[false advertising]]></category>
  188. <category><![CDATA[online advertising]]></category>
  189. <category><![CDATA[targeted advertising]]></category>
  190. <category><![CDATA[tv advertising]]></category>
  191. <category><![CDATA[visual advertising]]></category>
  192. <category><![CDATA[what is advertising]]></category>
  193.  
  194. <guid isPermaLink="false">http://atentaio.info/?p=107</guid>
  195. <description><![CDATA[There can be a lot of risk in sending out mortgage advertisements in today&#8217;s market. If you are thinking about preparing a piece which offers certain loan products that your company offers, you need to have an understanding of the &#8230; <a href="http://atentaio.info/mortgage-direct-mail-understanding-the-risks-of-creating-mortgage-advertisements/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  196. <content:encoded><![CDATA[<p> There can be a lot of risk in sending out mortgage advertisements in today&#8217;s market. If you are thinking about preparing a piece which offers certain loan products that your company offers, you need to have an understanding of the rules that apply to mortgage advertising. Although the rules vary by state, it is helpful to review what rules some states have issued concerning the marketing of mortgage loans.Here&#8217;s an example of a restricting statute from Connecticut&#8217;s Non-depository First Mortgage Lenders and Brokers statute that closely regulates the advertisement of mortgage loans:Sec. 36a-497: (Formerly Sec. 36-440l). AdvertisementsNo person licensed pursuant to section 36a-489 shall:(1) Advertise or cause to be advertised in this state, any first mortgage loan in which such person intends to act only as a first mortgage broker unless the advertisement includes the following statement, clearly and conspicuously expressed: BROKER ONLY, NOT A LENDER; or(2) In connection with an advertisement in this state, use(A) a simulated check(B) a comparison between the loan payments under the first mortgage loan offered and the loan payments under a hypothetical loan or extension of credit, unless the advertisement includes, with respect to both the hypothetical loan or extension of credit and the first mortgage loan being offered, the interest rate, the loan balance, the total amount of finance charges, the total number of payments and the monthly payment amount that would be required to pay off the outstanding loan balance shown(C) representations such as &#8220;verified as eligible&#8221;, &#8220;eligible&#8221;, &#8220;preapproved&#8221;, &#8220;prequalified&#8221; or similar words or phrases, without also disclosing, in immediate proximity to and in similar size print, language which sets forth prerequisites to qualify for the first mortgage loan, including, but not limited to, income verification, credit check, and property appraisal or evaluation; or(D) any words or symbols in the advertisement or on the envelope containing the advertisement that give the appearance that the mailing was sent by a government agency.As can be seen by a close reading of Connecticut&#8217;s advertisement law, this state places many limitations on what you can and cannot do when you advertise mortgage loans to Connecticut borrowers.For example the Connecticut law contains the following rules:1. When acting as a broker, your ad must state &#8220;BROKER ONLY, NOT A LENDER&#8221;2. You can&#8217;t use a &#8220;simulated check&#8221; in your mailer piece sent to Connecticut borrowers.3. If you are doing a comparison of loan payments between two loan scenarios, you must also state for both examples: 1) interest rate, loan amount, total finance charges, total number of payments (loan term), and the monthly payment required to pay off the entire loan amount.4. If you tell the consumer that he or she is &#8220;Verified as Eligible&#8221;, &#8220;Eligible&#8221;, &#8220;Preapproved&#8221;, or &#8220;Prequalified&#8221; &#8211; then you must also (in same area of the mailer and similar font size) state what the required conditions are to qualify for the loan such as income verification, credit check, and property appraisal. Note that some states (Virginia for example) will not let you write &#8220;Preapproved&#8221; on your mailer unless you have already done a complete underwriting review of the recipient&#8217;s loan application.5. You can&#8217;t make your ad look like it is coming from the government.We chose to show you this Connecticut statute because the above rules, although not required by each state in the USA, are good rules of thumb. Please check each state&#8217;s law for more information before considering any mailer campaign into that state.Another state recently enacted rules restricting advertising of licensed lenders and brokers in the state of Idaho:(From Idaho Rules Pursuant to Idaho Residential Mortgage Practices Act)12.01.10.040.: Deceptive Advertising (Rule 40)01. Advertising. Advertising means making or permitting to be made any oral, written, graphic or pictorial statements, in any manner, in the course of the solicitation of business. Deceptive advertising is defined to include the following practices by a licensee, or a person required to be licensed under the Act:a. Making a representation or statement of fact in an advertisement if the representation or statement is false or misleading, or if the licensee does not have sufficient information upon which a reasonable belief in the truth of the representation or statement could be based.b. Advertising without clearly and conspicuously disclosing the licensee&#8217;s business name.c. Engaging in bait advertising or misrepresenting, directly or indirectly the terms, conditions or charges incident to the mortgage loan being advertised. Bait advertising, for these purposes, means an alluring, but insincere offer to procure, arrange, or otherwise assist a borrower in obtaining a mortgage loan on terms which the licensee cannot, does not intend, or want to provide, or which the licensee knows cannot be reasonably provided. Its purpose is to switch borrowers from obtaining the advertised mortgage loan product to obtaining a different mortgage loan product, usually at a higher rate or on a basis more advantageous to the licensee.d. Advertising an address at which the licensee conducts no mortgage brokering or lending activities or for which the licensee does not hold a license.e. Advertising in a manner that has the effect of misleading a person to believe that the advertisement or solicitation is from a person&#8217;s current mortgage holder, a government agency, or that an offer is a limited opportunity when such is not the case.Idaho Rules Pursuant to Idaho Residential Mortgage Practices Act, ยง 12.01.10.040, et. seq.These Idaho rules also reflect the general ideas that &#8220;Deceptive Advertising&#8221; will not be tolerated within their state.Idaho regulates deceptive advertising by prohibiting:o False representationo &#8220;blind&#8221; advertising (not including your company&#8217;s licensed name in the ad)o Engaging in &#8220;Bait Advertising&#8221; &#8211; sometimes referred to as &#8220;Bait and Switch&#8221;o Advertising using a false address or an address for a location that is not properly licensed by the stateo Advertising so that the ad looks like it comes from the government, from the consumer&#8217;s current lender/servicer, or that the loan scenario is a &#8220;limited opportunity&#8221;We provide you with these two statutes to give you an idea of how the states attempt to regulate your advertising practices. Note that almost every state will have some sort of statute or rules regulating advertising. Nonetheless, you should obtain and review a copy of the advertising rules from each of the states in which your intend to perform direct marketing. </p>
  197. ]]></content:encoded>
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  200. </item>
  201. <item>
  202. <title>When to Use Personal Finance Services and How to Find Them</title>
  203. <link>http://atentaio.info/when-to-use-personal-finance-services-and-how-to-find-them/</link>
  204. <comments>http://atentaio.info/when-to-use-personal-finance-services-and-how-to-find-them/#comments</comments>
  205. <pubDate>Wed, 19 Apr 2023 17:04:01 +0000</pubDate>
  206. <dc:creator>admin</dc:creator>
  207. <category><![CDATA[Uncategorized]]></category>
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  232. <description><![CDATA[Becoming efficient and wealthy will require the use of personal finance services and professional help to manage your finances effectively at some stage in your life. Managing your savings and Investment plans, debt management, taxes and money are all part &#8230; <a href="http://atentaio.info/when-to-use-personal-finance-services-and-how-to-find-them/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  233. <content:encoded><![CDATA[<p> Becoming efficient and wealthy will require the use of personal finance services and professional help to manage your finances effectively at some stage in your life. Managing your savings and Investment plans, debt management, taxes and money are all part of financial administration that can be overwhelming.  There are times when using services rather than managing your finances on your own is a wise idea.There are situations when people get occupied with mountain debt and finance problems that could not be remedied in the course of cost cutting and extra jobs, but require you to use a service or agency to help you manage what you have. Such scenarios like divorce, a long-lasting period of unemployment, unexpectedly huge medical bills, mortgage companies threatening to foreclose on your home etc will require expert help to not only navigate you out of trouble but also take some stress out of your life.These are horrible problems no one liked to get involved with and regardless of how hard you have tried, you have made little development in looking to find better solution to it. Before you get stressed out, a personal finance service can lend a helping hand to you.There are financial help services capable of working with your creditors and get them to reduce interest, cycle accounts to get them current, and amazingly get your payments reduced. The approachable staff at these relevant agencies is knowledgeable in all areas of finance, and they can possibly find better solutions to your debt problems that are 99% does not engage in bankruptcy.Below are lists on how to find personal finance services at your best.First, get in touch with a company through a professional relief network. All the firms which have delivered state of the art results are listed with these networks. Thus, stop wasting time in searching on the internet. Personal finance companies capitalize on the recession conditions. To compare debt settlement companies it would be sensible to visit a free debt relief network which will locate the best performing companies in your area for free.Second, look at the advantages and disadvantages of each one of them and see which one will help you the most. So how can you ensure yourself from legal and illegal firm? The focus here is on the word legal. If the firm which you have chosen is not listed with a particular network, it is illegal. This is a very important way to identify scams and it will save a lot of money as well.Third, If none of these agencies suites your taste in managing your personal finance, it may be time to consult with a professional personal finance expert. He or she offers a free initial consultation. However, as a client you need to bring relevant resources and information and remember not to hide any debts record. The personal finance expert will review your information and advise you on how to best proceed.You might wonder what to do and where to begin. If you decide to seek financial, it is essential to so your research on the various options. And of course the internet is always a place to start.  As a general rule of thumb seek out 10 companies or websites to view, interview or research each one to narrow down to three services then seek references or testimonials from the three personal finance services you have chosen. </p>
  234. ]]></content:encoded>
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  238. <item>
  239. <title>Insider Tips to Getting High Leveraged Commercial Financing!</title>
  240. <link>http://atentaio.info/insider-tips-to-getting-high-leveraged-commercial-financing/</link>
  241. <comments>http://atentaio.info/insider-tips-to-getting-high-leveraged-commercial-financing/#comments</comments>
  242. <pubDate>Wed, 19 Apr 2023 15:23:52 +0000</pubDate>
  243. <dc:creator>admin</dc:creator>
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  271. <description><![CDATA[The Investor appeal of acquiring real estate often overlooks the main reason for purchasing&#8230; Making money! Too many real estate investors often confuse buying real estate with making money. In many cases, they are not the same. The overall strategy &#8230; <a href="http://atentaio.info/insider-tips-to-getting-high-leveraged-commercial-financing/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  272. <content:encoded><![CDATA[<p> The Investor appeal of acquiring real estate often overlooks the main reason for purchasing&#8230; Making money! Too many real estate investors often confuse buying real estate with making money. In many cases, they are not the same. The overall strategy of buying low and selling high is only one part of making money in real estate. The longer term money is made by the savvy investor who understands the power of leveraged financing.Think about this for a moment, most real estate gurus promote courses on finding distressed opportunities, negotiating owner financing and the various reasons why you should purchase real estate. How often do you see articles, or courses, promoting effective leveraged financing?Let&#8217;s start with the purpose and the differences between the zoning of residential and commercial real estate. Residential zoning requires that all loans be collateralized based on the appraisal or purchased value of the property. It also requires that the owner qualify within the lender&#8217;s debt to income ratios, along with personally guaranteeing the loan. The hard money acquisition option has some short-term benefits however it is not intended for long-term purposes. The landlord type of investor requires stable affordable loan terms.The overall intent of residential zoning is to personally reside in the property and this is why!1) R zoning limits property usage.<br />
  273. 2) Non-owner occupied residential loans pay an interest rate surcharge.<br />
  274. 3) Non-owner occupied properties do not qualify for Homestead exemptions and is taxed at a higher rate.<br />
  275. 4) Your personal guarantee limits your property acquisitions to your personal income and debt ratio.<br />
  276. 5) Today&#8217;s residential lenders always lend to cost (LTC) or purchase contract and will require a significant down payment to reduce lender risk.Commercial zoning by its own definition means properties used for commercial purposes. Properties that are used to generate business sales or profits. There are multiple types of commercial zoning codes, but all share the primary function for business use. Commercial tenants along with the leases they sign can be leveraged to qualify for income based commercial financing. Here lies the primary benefit of commercial investing.Commercial Financing Features &#038; Benefits1) The loan is based on the property income not your personal income.<br />
  277. 2) The loan does not appear on your credit report and will not limit the number of property acquisitions.<br />
  278. 3) Loans can be structured to be non-recourse and may not require a personal guarantee.<br />
  279. 4) Cash flowing Commercial properties also qualify for Loan to Valve (LTV) Financing.LTV Financing is not subject to the purchase price or contract price. It is based solely on the property income or cash flow. This type of financing benefits the savvy commercial investor who knows how to purchase the property at the right price. It becomes possible and very likely that the property acquisition will require little or no down payment.Now ask yourself if LTV financing really exists, why aren&#8217;t the gurus marketing this information? It&#8217;s really a simple answer! Most real estate investors get excited talking about buying real estate, but spend little or no effort researching or structuring financing. In short, it is considered boring or to complicated.Real Estate Investors, who value financing equally to that of the actual real estate acquisition, will be the BIG winners in this market! </p>
  280. ]]></content:encoded>
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  283. </item>
  284. <item>
  285. <title>Digital Schools For Photography &#8211; How To Choose The Right One?</title>
  286. <link>http://atentaio.info/digital-schools-for-photography-how-to-choose-the-right-one/</link>
  287. <comments>http://atentaio.info/digital-schools-for-photography-how-to-choose-the-right-one/#comments</comments>
  288. <pubDate>Wed, 19 Apr 2023 13:11:06 +0000</pubDate>
  289. <dc:creator>admin</dc:creator>
  290. <category><![CDATA[Uncategorized]]></category>
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  313.  
  314. <guid isPermaLink="false">http://atentaio.info/?p=100</guid>
  315. <description><![CDATA[Digital schools for photography are emerging each day with various fee structure and courses. Earlier, photography was not a profession for everyone due to the huge expenses allied with films and its processing. There was not a huge market to &#8230; <a href="http://atentaio.info/digital-schools-for-photography-how-to-choose-the-right-one/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  316. <content:encoded><![CDATA[<p> Digital schools for photography are emerging each day with various fee structure and courses. Earlier, photography was not a profession for everyone due to the huge expenses allied with films and its processing. There was not a huge market to sell someone&#8217;s photographs but today, clicking and sharing your photographs with the world just requires a good digital camera and a personal computer. Photography has stretched out into several streams and the equipments used in the photography industry are constantly changing.Choosing the right school is the most important decision before you venture out in this field. For beginners and professional photographers; there are several courses available that can improve their knowledge and skills. Some tips for choosing a good photography school are:General Photography Courses vs Specialized Courses- General photography courses usually target students who want to get an overall idea about photography. These courses usually cover topics such as exposure, composition and lighting techniques. These courses give you an outlook of the types of photography and how to advance in photography career. General Photography Courses are ideal for those who want to learn photography from scratch. However, if you are a photographer with basic knowledge in various photography techniques, a specialized course can be the best choice for you.Photo Editing Software- Even though Adobe Photoshop is the most famous photo editing software, there are plenty of specialized softwares that can make your digital photography experience even better. When you approach photography as a career, a significant level of knowledge is required in photo editing softwares as well. Make sure to choose a course that offer basic photo editing classes as well.Certification- Many institutes claim that their certificate is recognized by various organizations. However, check the value of these certificates before enrolling for a course. If you are a successful photographer, certificates may not be much of a help but for beginners, a good photography certificate can be an added advantage.Fee- It is not necessary that you learn more if you pay more. There are many colleges that charge you a hefty sum but the course may not be actually worth it. Ask for the course curriculum and compare it with other institute&#8217;s curriculum so that it will be easier for you to find out a better idea about these courses. If you find that a particular institute&#8217;s fee is not worth it, move on and enroll for a better course.Curriculum- Photography is an art as well as a science. A good photographer should know the artistic and scientific sides of photography for achieving a successful career. Make sure that your course covers the necessary scientific aspects of digital photography and editing.It is not necessary that you should choose photography schools that offer you a university diploma or degree. There are online schools that offer digital trainings. These courses also work pretty well if you are willing to learn and practice what you learn in the course. </p>
  317. ]]></content:encoded>
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