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<title>How to Get Loans Easily</title>
<link>https://ggeuums.info/42</link>
<comments>https://ggeuums.info/42#comments</comments>
<pubDate>Tue, 18 Jul 2023 07:24:36 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Online payday loan]]></category>
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<description><![CDATA[Are you tired of looking for financial help from your friends and family? Are you one of those who think that getting a loan is difficulty or are you finding the process of a loan, difficult to fathom? If this … <a href="https://ggeuums.info/42">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Are you tired of looking for financial help from your friends and family? Are you one of those who think that getting a loan is difficulty or are you finding the process of a loan, difficult to fathom? If this is the case then we hope this article will help you get a loan easily.Personal Loans and Getting the Best DealsIn today’s world banks are queuing up at your doorstep to offer you personal loans for all kinds of requirements. The requirements could be anything from buying items of personal necessities to clearing your existing debts to paying educational fees. You get a personal loan for everything and anything right from top to bottom.Getting a personal loan is very easy. Banks and financial institutions, as well as lenders, ask for very little documentation. Even if you have a bad credit, you are still eligible for this loan. The only thing that has to be taken into consideration is that you need to get the best deal. Even that is simplicity itself, these days. All you need to do is search the internet and you are offered a host of information about personal loans and the best deal available. Choose the one that best suits your needs and requirement. It’s as simple as that.All Kinds of Easy LoansYou want a loan easily. There is very little doubt that you can get one. Why? Well the banks, financial institutions, and lenders, want to lend you the money. As simple as that! You can go for a secure personal loan or personal loan specifically for tenants, consolidations loans, debt consolidation loans, and so on and so forth. The choices as can be seen are immense. There are various options on offer within each loan category and these options are dependent on the financial background of the person taking the loan. Moreover, the options are also dependent on the kind of loan you are going for.If you choose a secured loan then you will be offered a huge sum of money, which is entirely dependent on the value of the collateral that you provide the lender, as security. It must be remembered that if you have assets that could be used as collateral for a loan then you must use them. This is primarily because the interest rates of secured loans are lower than that of unsecured loans.The Easiest Loans – Payday LoansIf you have tried to get every type of loan and still come out a cropper then the best option would be to go for Payday Loans. If you have a fixed source of income and are of 18 years of age, then you will have no problems in getting a Payday Loan. Moreover, these loans have no need of any documentation process and the whole process is handled online.In the end, we would just like to say that over time the loan process has got easier and there are so many loans on offer in the market that everybody can get some sort of loan or the other. Follow the process, understand it, or hire experts to help you out, and get the benefit of your kind of loan.
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<title>Explaining the Advantages of HDB Loans Versus Bank Loans (An Abridged Version)</title>
<link>https://ggeuums.info/40</link>
<comments>https://ggeuums.info/40#comments</comments>
<pubDate>Tue, 21 Mar 2023 16:56:01 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[Before 1 January 2003, people buying a HDB (Housing Development Board) flat have to finance it either with a HDB Concessionary Rate Loan or a HDB market rate loan. But since then the HDB market rate loan was replaced by … <a href="https://ggeuums.info/40">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Before 1 January 2003, people buying a HDB (Housing Development Board) flat have to finance it either with a HDB Concessionary Rate Loan or a HDB market rate loan. But since then the HDB market rate loan was replaced by home mortgage from financing institutions, which are gazetted by the Monetary Authority of Singapore.HDB Concessionary Rate LoanCompared to a home loan from a financing institution, a HDB loan has more stringent eligibility requirements. The below covers most of them.Eligibility Criteria:For HDB flats only (resale or direct purchase from HDB)
At least one buyer must be a Singapore citizen 
Must have a gross monthly income not exceeding $10,000 (or $15,000 for extended families) 
For DBSS flat the income ceiling is $8,000 (or $10,000 for extended families) 
For applicants under the Single Singapore Citizen (SSC) scheme, the income ceiling is $5,000 
Must not own any private residence (in Singapore or abroad), including HUDC and executive condominium 
Must not have sold a private residential property within 30 months and taken a HDB loan before 
Must not have previously obtained a HDB loan within 30 months 
Must not have taken more than two previous HDB loans 
Must not own more any market / hawker stalls or commercial / industrial property (Except if you operate the business yourself, have no other source of income, and only own one market / hawker stall or commercial / industrial property)From July 2013, HDB loan will not be granted for flats with less than 20 years of lease. In addition, for flats with lease between 20 and 59 years, loan approval and tenure will be subjected to certain conditions.Given the many restrictions of a HDB loan, why then do Singaporeans still want to take one? We delve further into the pros of this loan in the following sections.1. Higher CPF (Central Provident Fund) withdrawal limitFor financing by bank loans, the CPF Ordinary Account withdrawal cap is up to 100% of the valuation limit (VL), which is the lower of the purchase price or valuation at the time of purchase. If the loan is still outstanding when this limit is breached, the housing withdrawal limit can be increased to 120% VL provided that half (entire) of the prevailing Minimum Sum is set aside for borrowers below 55 (55 and above). This housing withdrawal limit varies with the purchase date of the flat, for purchases from 2008 onwards it is 120%.With a HDB concessionary loan, however, you can enjoy a higher withdrawal limit.For direct purchase from HDB, there is no limit to the saving in the Ordinary Account you can use.For resale HDB flats, there is no limit to the saving in the Ordinary Account you can use, after you have set aside half of the prevailing Minimum Sum.But from July 2013 onwards, for flats with leases between 30 and 59 years the use of CPF fund is allowed only if the remaining lease covers the buyer till at least 80. For such flats, the withdrawal limit will be computed based on the below formula:Withdrawal Limit= (The remaining lease of flat or property when the youngest owner is 55 years old / The lease of the flat or property at the point of purchase) x VLFor example, at the point of purchase the buyer is 38 years old and the lease is 40 years. When the buyer turns 55, the remaining lease will be 23 years. HenceWithdrawal Limit = 23/ 40 x VLTable 1 further illustrates what is VL.Table 1: VLFlat APurchase Price (S$) = 400,000Valuation (S$) = 350,000VL (S$) = 350,000Flat BPurchase Price (S$) = 370,000Valuation (S$) = 420,000VL (S$) = 370,000For flats with under 30 years of lease, use of CPF fund is prohibited. In other words, buyers will to cough up cash for the down-payment, monthly repayment of the loan, stamp duties and other miscellaneous fees.2. No cash component required for the down-paymentA key advantage of a HDB loan is that you do not have to stump up any portion of the down-payment in cash. You are allowed to use the balance in your CPF (Central Provident Fund) Ordinary Account to pay for it completely.Whereas with a bank loan, you will have to pay at least 5% of the Valuation Limit (VL) in cash. If the loan tenure exceeds 30 years or extends past the age of 65, the minimum amount jumps to 10%.3. Higher loan quantumFor the first HDB Concessionary Rate Loan you are taking, the loan quantum is as high as 90% VL. In contrast, for bank loans, the quantum is capped at 80% LTV (loan-to-value ratio). It dips to 60% if the loan tenure exceeds 30 years or extends past age 65.New regulations, that have kicked in from 12 January 2013, dictate that the mortgage servicing ratio (MSR) for private loans must not exceed 30% of the gross monthly income of the borrower and 35% for HDB loans.Effectively, this can translate into a lower loan quantum for a bank loan compared to a HDB loan.For example, for a 30-year loan with a 80% quantum for a S$800,000 HDB flat, at an interest rate of 1.5% p.a., the monthly repayment amount will be S$1,932.67. In order to be eligible for aHDB loan: Gross monthly income ≥ S$5,521.92
Private loan: Gross monthly income ≥ S$6,442.24Thus, if your income is below S$6,442.24, you will not be eligible for a private loan of 80% LTV. If you extend the loan tenure, current rules mandate that you can only take up to 60% LTV.Therefore, a HDB loan will allow a higher loan quantum.4. HDB is more lenient As a Government agency which main goals are to provide affordable quality housing and encourage home-ownership, HDB tends to be more tolerant of delinquent borrowers.But for a loan from a financing institution, you are always required to pay the monthly stipulated amount even if you have suffered a pay cut.Further, HDB usually grants deferment of monthly installment payment if you have fallen into financial hardship. The banks, on the other hand, will likely be hot on your heels if you defer payment even for a day!5. No penalty for partial or full repayment of loanOf note, is that HDB imposes zero penalty for partial or full repayment of its loan.Most mortgages of financial institutions, however, come with a lock-in period (aka commitment period) typically of 3-5 years. During this period, any repayment above the prior agreed amount will result in a penalty – usually at most 1.5% of the repayment amount. Financial institutions profit from the interest incurred on the loan, any partial or full repayment of the loan means a loss on interest earnings. Hence, the penalty helps to compensate for this loss.6. Stability in interest rateSince revision to the interest rate of a HDB loan is made quarterly in tandem with changes to the CPF rate, which has been the same for over 10 years. The interest rate has, likewise, remained stagnant. A HDB loan, thus, offers relatively more stability than even a fixed-rate mortgage which rate is only fixed for 3- 5 years. This is not saying that there have been no fluctuations in HDB interest rates. For instance, in the 1990s rates demonstrated more volatility.
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<title>Resilient Businesses Move Their People To The Cloud</title>
<link>https://ggeuums.info/38</link>
<comments>https://ggeuums.info/38#comments</comments>
<pubDate>Tue, 21 Mar 2023 16:06:30 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[Every year, as the Atlantic hurricane season approaches many businesses have a nagging realization that they are at risk due to a catastrophic “Black Swan ” event. Black Swan events are a constant source of risk in states like Florida … <a href="https://ggeuums.info/38">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Every year, as the Atlantic hurricane season approaches many businesses have a nagging realization that they are at risk due to a catastrophic “Black Swan ” event. Black Swan events are a constant source of risk in states like Florida where many communities are subject to disruption due to coastal storms. This risk is particularly acute for businesses that depend on the storage of on-line data if there is a chance their critical data could become lost or corrupted. But the threat from Black Swan events isn’t limited to Florida, nor is it limited to large scale disruptive events like hurricanes.The black swan theory or theory of black swan events describes a disruptive event that comes as a surprise, has a major effect, and is often inappropriately rationalized after the fact with the benefit of hindsight. The term is based on an ancient saying which presumed black swans did not exist, but the saying was rewritten after black swans were discovered in the wild. Consider the following scenario…”We tend to think of disasters in terms of the attacks on the World Trade Center, Hurricane Katrina, or other mega events. Sometimes, however, less notable events occur that can have a catastrophic effect on a business. In February 1981, an electrical fire in the basement of the State Office Building in Binghamton, New York, spread throughout the basement of the building setting fire to a transformer containing over a thousand gallons of toxin-laden oil. Originally thought to be PCBs, the toxins were soon determined to contain dioxin and dibenzofuran, two of the most dangerous chemicals ever created. The fire was smoky and quickly filled the 18-story building with smoke. As the transformer burned, the soot entered the buildings ventilation shafts and quickly spread toxic soot throughout the building. The building was so badly contaminated that it took 13 years and over $47 million to clean before the building could be reentered or used. Because of the nature of the fire, the building and its contents, including all paper records, computers, and personal effects of the people who worked there, were not recoverable. This type of event would be irrecoverable for many businesses.” – Operations Due Diligence, Published by McGraw HillWhat affect would a catastrophic hurricane that affected an entire region or a localized disruptive event like a fire have on the operation of your business? Could you survive that kind of interruption or loss? As the dependence on on-line data has grown in virtually every type of business, so has the risk that loss of their data could disrupt the operation of the business and even result in its complete failure. In response to these threats, there has been an evolution in the approaches used to mitigate these risks as the volume of on-line data has continued to grow. Originally, the concept of Disaster Recovery (DR) emerged as a mitigation strategy that focused on the recovery of critical data after a disruptive event by giving the business the ability to restore disrupted IT operations.Disaster Recovery (DR) involves a set of policies and procedures that enable the restoration of critical business data and allows the IT infrastructure to be restored to a prior state. DR was originally seen as the domain of the IT department who were given responsibility for mitigating the risk. To minimize the risk, system backups were scheduled frequently and aggressive DR plans that included server cold start procedures and data backups were implemented.The goal was to restore the infrastructure to the last point where the data had been backed up (at the time, typically on tape). The acceptable DR practices at the time allowed the IT system to be rebooted when the facility power was finally restored… Unless it was in a flood zone or the off-site backup storage facility had also been impacted. In either case, the operation of the facility could potentially be disrupted for some period of time and the data restoration was also potentially at risk depending on where backups were stored.Now let’s roll the calendar ahead… As technology evolved so did the Disaster Recovery strategies, which lead to new concepts that evolved to the requirements for a Business Continuity solution as a means of mitigating risk. Still seen as the domain of IT, as technology moved towards solutions like shadow servers, distributed data locations and high speed bulk data transmission with hyper connectivity. Data no longer had to be “recovered”, it just had to be connected in distributed locations where it could be remotely accessed. Business Continuity mitigated the risk of data loss and allowed a business to recover much more quickly and efficiently from a Black Swan event because its servers never went completely down.Business Continuity originally encompassed planning and preparation to ensure that an organization’s IT infrastructure remained intact enabling the business to efficiently recover to an operational state within a reasonably short period following a Black Swan event. Technology today has evolved towards cloud solutions that put both the data and the applications into remote “cloud” locations so it would seem the IT responsibility for mitigating the risk of on-line data loss or corruption has been solved. With highly connected, fully distributed solutions, some people feel the need for business continuity may be fading in criticality. Nothing could be further from the truth…The fact is the risk was never solely in the loss of the data but the loss of the businesses ability to operate. There are businesses that cannot tolerate any disruption to their operations. These include healthcare, insurance, and communications companies, critical logistic suppliers, transportation providers and local governments. It is during Black Swan events that the services and products these businesses provide may be most needed. The requirements of other, less critical businesses, whose operations could be interrupted for days or even weeks, but who might face a significant financial risk, may also make their continued operation a matter of corporate survival.Today’s technology has completely abstracted business processing and data from the user by moving critical IT infrastructures into the cloud. Cloud technology enables users to work from remote locations, but use of the cloud doesn’t fully mitigate operational risk. It means people have now replaced computers as the critical path to continued operations. The operation of the business is more likely to be interrupted because key personnel aren’t prepared to sustain operations during a Black Swan event. They don’t have a facility that has been proactively planned to support operations during disruptive events that could last for hours, days or weeks. Particularly in areas like Florida, where large natural disasters such as hurricanes can disrupt services to entire communities, resilient businesses need to prepare in advance for sustained operations during a disruptive event. The ability of a business to continue its operations during times of distress are a measure of the businesses resiliency.Business Resiliency: takes business continuity to another level because it makes it the domain of operations management rather than leaving it solely as the domain of the IT Department. When planning for disaster recovery or business continuity the critical link is now the people who are needed to operate critical systems remotely. Yes, there are occasions where staff can work from home or from remote facilities the business may operate, however, this is not always a satisfactory answer and even when it is, businesses often find themselves scrambling to play catch up, trying to figure out who does what and “how can we get it done under these circumstances” situations. During Black Swan events including regional disruptions like hurricanes or local disruptions such as fires, many of the people the business relies on may not have power, internet or even a phone needed to enable them to work from home. Because you can’t put people in the cloud, Business Resiliency requires planning, training and practice so that your staff knows how and when to mobilize.Resilient businesses integrate Black Swan response into their continuing operations so that, when they are needed, at a time when the business and the people are under stress, everyone knows how to respond efficiently and effectively and where to go to provide that response. Business resiliency requires a dedicated facility that has been hardened to withstand Black Swan events and has been designed to provide the support services the people and the IT infrastructure will both need. Business resiliency requires proactive planning and the integration of operating procedures into the businesses standard operating plans to include remote operations by trained critical staff who have been mobilized to respond during disruptive events and it requires proactive practice to ensure that, when remote operations are needed, the people are ready.
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<title>The Best In Class IT Consultant</title>
<link>https://ggeuums.info/36</link>
<comments>https://ggeuums.info/36#comments</comments>
<pubDate>Tue, 21 Mar 2023 15:03:55 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[IntroductionIn the fast moving and ever changing world of IT the ability of IT Managers and Practitioners to be truly effective consultants has never been greater.So what are the capabilities and attributes displayed by the very best IT Consultants? I … <a href="https://ggeuums.info/36">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ IntroductionIn the fast moving and ever changing world of IT the ability of IT Managers and Practitioners to be truly effective consultants has never been greater.So what are the capabilities and attributes displayed by the very best IT Consultants? I believe they fall into seven categories as follows:1. Thought Leadership2. Client Knowledge3. Strategic Thinking4. Experience and Know How5. Problem Solving6. Relationship Management7. Change LeadershipIn looking at each of these seven key contributors to success in turn I have made the underlying assumption that the primary objective of the IT Consultant is to explore, reveal and extract the full commercial value within a client account. In other words it’s all about CLIENT INTIMACY.1. Thought LeadershipA Thought Leader is someone or a corporate entity, recognised to be a leader in their field. The outside world determines whether an individual or an organisation is a thought leader.Thought leadership is based on reputation. That reputation is based on the person’s or organisation’s understanding of its business, the needs of its customers, and the broader market-place in which s/he operates. Quite simply they are deemed to be pre-eminent in their area of expertise.To be a thought leader requires a spirit of generosity – generosity of time, intelligence and knowledge. It also requires the ability to philosophise, intellectualise and think ahead in order to push the boundaries of current thinking.Thought leaders are constantly hungry for knowledge and insights. They know where and how to find out about current best practices adopted by market-leaders. They know how to access information on emerging technologies, product/system updates and leading edge/”bleeding edge” thinking.They use this knowledge to be a catalyst for change, to challenge current thinking and to change existing paradigms. They apply their thinking to test out new hypotheses and to draw conclusions which they share openly, frequently putting at risk their reputation.Thought leaders know how to influence others through the use of different media to publish their thoughts. They know how to:- Cultivate the Press- Publish White Papers, Case Studies and Research/Survey Results- Submit Articles via Social Networks- Engage with Professional Groups and Communities- Obtain high level speaking engagements at Conferences/Trade Shows- Organise and lead Brainstorming EventsIn short, thought leaders give Thought Leadership the highest priority in their lives. They see Thought Leadership as a strategic imperative and are fully committed to it. They have an unswerving belief that they can make a difference in their chosen area of expertise.If you are going to be a Best in Class IT Consultant you must be dedicated to this task of Thought Leadership.2. Client KnowledgeWhen considering the difference they can make to their client’s situation the Best in Class IT Consultant engages in “outside in” thinking. In other words they start with a full understanding of the drivers of change surrounding their client. They understand that their expertise is one of many enablers of their client’s future success and that to fully leverage that expertise they need a full understanding of the client’s market-place and the client itself.Best in Class IT Consultants therefore take time to research the context in which they will be operating with a given client.When it comes to the client’s market-place they make sure that they fully understand:- The demands of its customers, now and in the future- Competitor threats facing the client- The threat posed by new entrants to the client’s market- The impact of substitute products and services which could undermine the client’s business- The power and influence that existing suppliers to the client exercise over the clientThey also research and understand the drivers of change in the client’s market including:- The Regulatory Environment- The state of the Economy- Social/Cultural trends- Adoption of new and leading edge Technologies in the market-place- The use of new routes to market being adopted by organisations in the client’s market sectorThe Best in Class IT Consultant uses this external research to identify and analyse the client’s current and likely future response to these drivers of change by finding out as much as possible about the client’s:- Vision- Objectives- Strategy- Current Resources- Structure- Systems- Employee Capabilities- Quality of Management- Style of Leadership- Current Values and CultureS/he then uses this understanding of the client’s current situation and preferred future situation to identify key issues which s/he could address with IT related solutions.Instead of starting with their technical expertise and thinking how they can work more productively with the client IN the client’s business they start with big picture thinking and spotting opportunities for helping their client to work ON the business for future success.This Outside/In thinking versus Inside/Out thinking enables them to have far more wide reaching discussions with their client, and thereby to differentiate themselves as someone who can bring long term added value to the client’s business.Best in Class IT Consultants see the importance of this bigger, wider, holistic approach to their client involvement.3. Strategic ThinkingA thorough understanding of the client’s big picture will lead the Best in Class IT Consultant into thinking about how best to help the client to come up with different IT strategies and options aligned to the overall strategy of the client’s organisation.To consider IT related strategic options the Best in Class IT Consultant takes time to understand the organisation’s overall strategy in its given market-place. S/he takes time to find out:- Where in the market-place will the client be focussing its efforts to gain long term competitive advantage- Its growth model, e.g. organic growth, acquisition, merger, disinvestment, joint ventures etc, and if the strategy for growth will be different in different geographies if the client is international/global- Its key differentiators, e.g. product quality, customised services, price, niche player, one stop shop etc, and therefore what the brand stands for- Its economic model, e.g. highly customised premium priced products/services or standardised low cost offerings, or a mixture of both sold direct to customers or via franchising, licensing or reseller networks- Its speed of expansion using its existing routes to market and also new, additional routes to market e.g. e-commerceBy understanding the strategic intent of the client the Best in Class IT Consultant will put forward different IT related options for the client to consider and evaluate.The Best in Class IT Consultant will construct, with the client, an evaluation process to compare the different options and select the best one. S/he will work in partnership alongside the client to co-create the best option powerfully aligned with the organisation’s overall strategy.This strategic thinking discipline and rigour enables him/her to effect transformational change in the client’s business and not just transactional changes. It’s a key area of skill.4. Experience and Know HowThe most successful IT Consultants know everything there is to know about their chosen area of expertise stemming from their background and experience. They also know a lot about a wide variety of the current best practices specifically relating to IT including:- Existing Technologies- Emerging Technologies- Operating Systems Upgrades/Platform Changes- Product Updates/Enhancements- Systems Development/DeploymentBut in addition they are very familiar with the use of broader concepts relating to:- Quality Improvement- Business Process Improvement/Re-engineering- Continuous Improvement- Lean Manufacturing- Efficiency Improvement/Use of Self Managed TeamsThey use their specific and broader knowledge and experience to ‘educate’ their client on:- The true reality of their current situation- What is a possible, preferred situation- The gap the client needs to address- How to address it- How to use the expertise of external specialists/suppliers to provide additional necessary resources to bridge the gapBest in Class IT Consultants are not afraid to challenge their client’s existing thinking, inform the client on what is now possible and advise on how best to go about initiating and delivering required changes.In fulfilling this role they come to be viewed by clients as a trusted friend, someone to be relied upon for best advice, and a long term partner in their business.Not surprisingly there is a strong link between this Experience and Know How capability and their Thought Leadership capability. The two are inextricably woven together. The one, Thought Leadership, is a strong contributor to Experience and Know How, a key differentiator for the best in Class IT Consultant.5. Problem SolvingThe best in Class IT Consultant is not only capable of giving the best advice s/he is also a problem solver. The skill of diagnosing problems leads to the ability to solve problems with all the experience and know how the consultant possesses. So, problem solving is a key area of skill for the best in Class IT Consultant.What do the best in class do differently from the rest? Here are some thoughts:- They see themselves as something of a ‘detective’, objectively, and with an open mind, information gathering from a number of angles. They possess an instinct, an intuition, when hearing something that doesn’t quite ring true.- They use others to share their hypotheses to try and establish the root cause of problems- They look at problems/situations from a variety of angles using proven diagnostic processes and techniques- They gather information which is both objective (existing data) and subjective (thoughts, views and opinions of key stakeholders)- They are ‘emotionally intelligent’ seeing how people’s differing values and/or objectives, internal politics, power plays and hidden agendas may be clouding the root cause of problemsThis ability to not ‘be put off the scent’ when diagnosing and solving client problems is a key contributor to the success of the Best in Class IT Consultant.Not only are they good at combining their objective and subjective information gathering and interpretation skills they are positively interested in growing and developing the combination of skills.They are addicted to rooting out the truth so that whatever the advice they give or the solutions they put forward, they know that what they are proposing has real integrity and will solve the problem.Having said this they are realistic enough to know that often proposals will not be fully accepted by the client for reasons of timing, key stakeholder influences, implementation of other changes and a host of other reasons. They therefore are willing to work collaboratively with the client to deliver what is realistically possible.Best in Class IT Consultants quite simply are excellent problem solvers.6. Relationship ManagementThe Best in Class IT Consultant regards networking and relationship building within a client as essential to their success.They recognise the importance of identifying and getting to know key decision-makers and decision-influencers within the client as well as within their own organisation.They know how to use both direct and indirect networking activities to meet with new people. They understand how to build rapport, start a conversation, continue a dialogue and build a relationship into one in which they are viewed as a valuable friend, confidante and adviser.They understand how to use a variety of influencing styles and skills to best effect.They recognise the needs and agendas of key stakeholders and can sell the benefits of their ideas to them in a way which clearly shows empathy and an understanding of their needs.They understand the decision-making processes their clients use when it comes to specific areas of change. They are in tune with how the internal structure of the organisation actually works versus should work.They recognise the importance of teamwork when it comes to client relationship building and they orchestrate meetings between colleagues in their own organisation with counterparts in the client organisation to build a strong, multi-layer engagement between the two organisations.They know the importance of working with colleagues servicing different parts of the client’s business feeding them information and intelligence on the client’s activities and future plans. This enables them to constantly ‘scan’ and interpret the client’s bigger picture in a holistic way.Best in Class IT Consultants are socially ‘at ease’, able to converse with people on a variety of topics on a variety of levels, in a variety of situations. They are very much ‘people centric’ talking WITH people and not AT people. They are highly responsive to people’s needs fulfilling promises and commitments they have made to build trust in the relationship.In short, far from being ‘technology geeks’ and talking about themselves, they are genuine believers in client intimacy i.e. fully understanding the heart beat and emotions of the client not just the exterior facade.This ability to build relationships enables them to stay in touch with the client, learn from the client, spot new business opportunities and turn them into new revenue streams, probably the ultimate test of their success!7. Change LeadershipAll consultants are ‘change agents’. That is the reason they exist. That is the primary focus of their role. And that is why the skills of change leadership are so important to them and their success.Effective change leaders have positive beliefs about change and the value of change. They possess an understanding of change management processes. They know how to use and apply change management skills in the processes.Change leadership and management of course is a whole topic in its own right so I will focus on a few of the essentials for the IT Consultant.For the Best in Class IT Consultant change leadership is essentially about three areas of contribution – Consultation, Collaboration and Communication.Consultation- S/he will help the client to see and confront the brutal facts, bringing fresh information and new insights to help the client see their current reality, and the need for change, clearly- S/he will help the client create a future, preferred situation using a Gap Analysis or similar diagnostic- S/he will explain the financial benefits of a proposed change so that the client can clearly see the Return on Investment- S/he will assist in creating a coalition for change within the client i.e. the key stakeholder group- S/he will assist in explaining the proposed change and selling it to this group to gain their support- S/he will add value to the client’s planning and implementation processes as a result of similar experiences with other clients CollaborationThe Best in Class IT Consultant will:- Act as a team member, with the client’s own team of people, to identify problems and their root causes- Identify and evaluate strategic options- Co-create customised solutions to the client’s needs, adding know how based on their experience and knowledge gained over the years- Partner the client in selling solutions internally with the client- Bring into play specialists from within his/her own organisation to provide additional resources to the client’s own resources CommunicationThe Best in Class IT Consultant will:- Help the client to construct a stakeholder map- Assist in the delivery of key stakeholder communication plans- Actively support the client with internal stakeholder communication and influencing before and during roll out of changes- Help the client with internal conflict resolution- Act as a coach/facilitator in the change management processIn summary, in the area of change leadership, the Best in Class IT Consultant will partner the client throughout the change management process to ensure that the change is implemented effectively and anchored into the organisation as the new norm.In SummarySo there you have it – the seven practices of Best in Class IT Consultants.Use the checklist below to consider your current level of expertise in these seven practices and use the results to focus on your own personal growth and development needs in these areas.Good luck!
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<title>Property Management, Investment Property Tax Deductions, and Strategies for Real Estate Pros</title>
<link>https://ggeuums.info/33</link>
<comments>https://ggeuums.info/33#comments</comments>
<pubDate>Tue, 21 Mar 2023 13:02:12 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[The cost of hiring a property management company to handle investment properties is significantly less than most property owners believe. Investment property owners who manage their own property with the idea that property management costs are too much might be … <a href="https://ggeuums.info/33">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ The cost of hiring a property management company to handle investment properties is significantly less than most property owners believe. Investment property owners who manage their own property with the idea that property management costs are too much might be mistaken as to the actual real costs. Additionally, a large percentage of property owners do not take advantage of all of the tax strategies available to them. For example, if a property owner manages their investment portfolio out of their home office there may be some business related items they are not expensing. Interest in all forms including mortgage interest, equity lines of credit interest, and any business loan interest are all expenses which are typically deductible. Losses like casualties, disasters, and thefts are expenses which properly accounted for are deductible. The most overlooked deduction is depreciation on investment properties, and for real estate professionals as defined by IRC 179, an investment property owner can supercharge their depreciation deductions. To maximize one’s return on investment each property owner should educate themselves about tax strategies, and thoroughly evaluate their entire tax planning roadmap with a tax attorney or competent certified public accountant.Combined Tax Bracket Percentage Determines the True Cost of an Expense in Your Investment Property BusinessFirst of all a property owner must fully understand this basic concept. If their annual income from all of their activities placed them into the combined, federal, state, and local tax bracket of 50%, then their ordinary and necessary business expenses are in actuality fifty cents ($.50) for every one dollar ($1.00) spent. It’s simple to think about it this way: If a one dollar ($1.00) is spent on advertising then that one dollar ($1.00) is legally expensed. If a person is in the 50% combined tax bracket then they have actually only spent fifty cents ($.50). This is because the one dollar ($1.00) they spent actually reduces their taxable income by one dollar, thus, reducing their tax liability by fifty cents ($.50). So each ordinary and necessary expense is truly only 50% of the actual cost.Now that you have your mind around that concept if a property manager is charging you $200/month to manage their single-family residence rental property the actual (end of year) cost to the owner is only $100/month because the property management fees are an ordinary and necessary business expense and fully deductible. Now consider that 50% reduction in your perceived cost and maybe property management doesn’t seem so expensive anymore. Add to that the impact on your time, energy, effort you spend managing that property. Add to that the gasoline expense necessary to drive by that property once or twice a month. Finally, add to that the comfort of knowing a professional property manager could in fact be taking care of your property and you wouldn’t have to have all of these expenses, time, energy and effort and maybe, just maybe, you would reconsider using a property manager going forward because you now realize that they really aren’t that expensive for the services they provide.Home Office Deductions are Tricky, but can be LegitimateIf a home office is used 100% for ordinary and necessary business reasons then there is no reason a person shouldn’t be taking advantage of expensing the home office square footage, the equipment, the materials, the supplies and any utilities paid to help operate the office. The problem lies when the home office is used for personal reasons because it is difficult to prove what percentage of the home office is actually an ordinary and necessary business expense. There are many Internal Revenue decisions on this vary issue, and each one shows the difficulty in achieving the correct balance between business and personal expense, and more importantly, being able to prove it in an audit. If you are considering running your property management business out of your home office be careful. Although there are a lot of legitimate expenses which are clearly available to you, there are several that are not.Interest Expense is Sometime OverlookedWhen you are evaluating your interest expenses do not forget to expense any interest from your home equity line of credit as this can be easily overlooked. Also, if you have a small business loan that interest is deductible as well.Disaster, Theft Losses are DeductibleIn the event that a loss occurred during your business cycle those expenses are deductible provided you had a good record of the items that were lost. There would almost always be an offset as well for any insurance reimbursements, but the point here is that losses must be fully evaluated while you are preparing your tax strategies.Depreciation and the Real Estate Professional Internal Revenue CodeWhen planned correctly the “non-cash” expense of depreciating one’s rental property can be the difference in paying taxes or realizing the benefit of a tax-loss. Most residential investment properties are depreciated over 27.5 year period. Commercial property is depreciated over 39 years. However, if a person were to be classified as a “Real Estate Professional” pursuant to Internal Revenue Code 179, then the benefits of owning investment property become much greater. Without going into great detail a real estate professional’s own personal property portfolio is treated differently than a typical investor. If this is enticing enough one should investigate the benefits of this little known exception in the IRC and real estate industry.Contact a Competent Tax Attorney or Certified Public Account to Review All of Your Current Tax Strategies and any Planning Going Forward with Your Investment PropertiesThe information contained in this article is by no means tax advice, but merely some ideas to contemplate the next time you consider your tax situation. Every person who owns a rental property business should consider tax planning and tax strategies with a competent professional specializing in tax. There are numerous legal ways to take full advantage of tax laws and your professional status within the property management context, however these decisions need to be considered carefully with a tax professional.
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<title>There is an excessive amount of traffic coming from your Region.</title>
<link>https://ggeuums.info/30</link>
<comments>https://ggeuums.info/30#comments</comments>
<pubDate>Sun, 05 Feb 2023 06:11:23 +0000</pubDate>
<dc:creator>admin</dc:creator>
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<description><![CDATA[#EANF#]]></description>
<content:encoded><![CDATA[#EANF#
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<title>Adventure Travel Planning</title>
<link>https://ggeuums.info/28</link>
<comments>https://ggeuums.info/28#comments</comments>
<pubDate>Fri, 03 Feb 2023 11:10:59 +0000</pubDate>
<dc:creator>admin</dc:creator>
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<description><![CDATA[Travelling is really a wonderful experience, it helps us relieve from stress and allows us to relax and enjoy ourselves away from our work. But don’t get too excited, before you can actually go on vacation, it needs thorough planning … <a href="https://ggeuums.info/28">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Travelling is really a wonderful experience, it helps us relieve from stress and allows us to relax and enjoy ourselves away from our work. But don’t get too excited, before you can actually go on vacation, it needs thorough planning before you can actually enjoy.Do you know why planning is a very important thing if you want to go on adventure travel? Carefully read through this paragraph to know why. First of all, if you plan to go on hiking to an unknown area, you should see to it that all of your paraphernalia are complete and intact including boots and other safety materials. And before setting of to unknown remote areas make sure to contact at least one tour guide that knows very well the local language so that you and your team won’t have any problems communicating with the locals, in case they don’t know how to speak English.Are you aware that an adventure travel is more expensive as compared to an ordinary vacation? Yes of course, here are the reasons why is this so. First of all, there are few only a little number of people these days who are expert in the field of adventure travel thus they can demand the price they want to guide you to your adventure travel, but they will do all the planning, and guide you through correct and safe route and book you a safe and comfy place to stay during your whole travel adventure. And these people are really in high demand nowadays so this is the reason for the high prices. And we all know that in remote areas transportation is really difficult to find. Hence, you need to plan each and every single detail ahead of time. And you can do this all online and it might be helpful if you research a little bit about the place where you will have your adventure travel.It might help if you ask your friend or family member who are also into adventure travel because they might give you some useful information regarding the place you are about to go.Before going on traveling you need to know or ask yourself what type of traveling do you want to experience. Most of the people today, want to relax in a high class hotel and just stay there and relax in order to help them relieve from the everyday stresses they encounter in their work place. On the other hand, some individuals or families really want to go on adventure travel like hiking, caving, zip line, exploring the forest and many more.The first choice is the easier one to do because hotels are very accessible and you can easily book online for reservation. We all know that adventure travel is really a challenging one, you really need to do is to plan ahead of time for the adventure travel.By following these guidelines, for sure you will enjoy your adventure travel. Plan now, and travel tomorrow!
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<title>Brainstorming The Ideas for Influencing Your Mobile App Audience</title>
<link>https://ggeuums.info/26</link>
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<pubDate>Sun, 09 Oct 2022 13:48:16 +0000</pubDate>
<dc:creator>admin</dc:creator>
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<description><![CDATA[Once the app is downloaded, you have little time to take a sigh of relief, and then again start focusing on making things easier for the them till their goal is achieved. According to the AppsFlyer, an app marketing company, … <a href="https://ggeuums.info/26">Continue reading →</a>]]></description>
<content:encoded><![CDATA[Once the app is downloaded, you have little time to take a sigh of relief, and then again start focusing on making things easier for the them till their goal is achieved.
According to the AppsFlyer, an app marketing company, the global uninstall rate for apps after 30 days is 28%. Entertainment apps are most frequently deleted, whereas apps based on Finance is least frequently deleted. No matter which app category you belong to, your strategy should be to remain in the mobile phones of users for a long time, and not just sit around but to fulfill your purpose as well.
If we analyze the encounters of users with an app step by step, it can help us unveil the critical factors that influence mobile app audiences, so that we can work upon those and achieve our purpose. Here are the details:
Step1. Finding Your App in Appstore
For this, we have to first find out what exactly users type to search an app. Based on a research, it has been found that 47% app users on iOS confirmed that they found the app through the App Store’s search engine and 53% app users on Android confirmed the same.
What have been their search queries? Interestingly, as the per the data provided by the TUNE research, 86% of the top 100 keywords were brands.With little scope for non-branded categories, most of the keywords were either of games of utility apps. Common keywords in the non branded category are: games, free games, VPN, calculator, music, photo editor, and weather.
Leaving brands aside, if we analyze the user-type of a Non-branded category, we will get two types of users:
1. Users are informed, and they know what they are search
2. Users are exploring possibilities, have no precise information in mind.
If you are a mobile app development company, targeting non-branded users, then your efforts must be directed to creating apps that compel these two types of users. To do so, we have to analyze once they are on an app store, what keywords they use to search. Regina Leuwer, with expertise in marketing & communications, bring some light to the subject. She reached out Sebastian Knopp, creator of app store search intelligence tool appkeywords, who shared with her the data of unique trending search phrases. And according to that data, in 2017, there were around 2,455 unique search phrases trending in the US.
Now, if we study these data to get information, we will find that name of the app is critical to attract the attention of the users.
If your app belongs to non-branded category, then make sure your app name is similar to the common search queries but also unique in comparison with your competitors. So that when your app name is flashed, they click it on to it, finding it purposeful and compelling both.
Step 2. Installation
Remember your users are on mobile devices has limited resources, from battery to storage and RAM to Internet. Everything is limited. So better create an application that is easy to download or say get downloaded with 5 minutes. One critical advice here:
1. Keep the application file size small.
If you are a developer, use APK Analyser to find out which part of the application is consuming maximum space. You can also reduce classes.dex file and res folder that contains images, raw files, and XML.
Step 3. Onboarding
After the user has successfully downloaded your mobile application, don’t leave anything on assumptions. Guide them properly. This you can do through an onboarding process, where users can learn the key functionality and where to begin with the mobile app. Below are the 3 things you need to keep in your mind when creating an onboarding process for your users.
Short and Crisp: The entire guidance of features and functions should be completed within few seconds, with easy options loud and clear option to skip.
Precise Information: Don’t introduce them to the app. They already know what they have downloaded. The objective to inform about the key functions and features.
Allow Users to Skip: Let the tech-savvy users skip the intro. Your app is to meet their requirement and not to have a friendly session.
Step 4. Purpose and UI 
Here, the stage is set for your app and it is the golden chance for you to impress your users. What is needed here is the collaboration between purpose and UI of the app. It totally depends on the problem-solving capability and ease of use of the mobile app. Interface design plays the critical role, allowing the users to access features of the apps easily and quickly to perform the task for what they have downloaded the app. When it comes to interface design, make sure that the design is interactive and task-oriented. Here are some factors that you must take care off while creating mobile app interface:
1. Usability: The Mobile phone is an epitome of convenience and if your users find it difficult to use your app, then there is no way there are going to make the space for it in their mobile phones. From screen size to the color of the app, there are many factors that are equally critical and need attention.
2. Intuitive: To create an intuitive User Interface, you have to read the mind of the users, and develop a model based on that. The next should be precise, clear and ‘obvious’ in an interface.
3. Availability: Key features should be hidden in the drop down menu or even if so, it should be obvious for the user to look into the drop-down. An intricate work of design and research is required to make essential features available for the customers and they don’t need to navigate here and there.
If you need more help with the user-interface and innovative ideas for a mobile app, write to me webmaster@finoit.com and I promise to get back to you with interesting mobile app designs.
]]></content:encoded>
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<title>Why Instafollow HQ Is One of the Top-Rated Instagram Tools?</title>
<link>https://ggeuums.info/24</link>
<comments>https://ggeuums.info/24#comments</comments>
<pubDate>Sun, 09 Oct 2022 13:47:32 +0000</pubDate>
<dc:creator>admin</dc:creator>
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<description><![CDATA[As we all know, Instagram is the most trendy & entertaining media platform for the modern generation. It’s mobile-friendly, easy to navigate and it allows users to amass a large following rather quickly. Be it a business, brand or personal, … <a href="https://ggeuums.info/24">Continue reading →</a>]]></description>
<content:encoded><![CDATA[As we all know, Instagram is the most trendy & entertaining media platform for the modern generation.
It’s mobile-friendly, easy to navigate and it allows users to amass a large following rather quickly.
Be it a business, brand or personal, Instagram is loved by all!
Attractive Images are posted with hashtags and captions to provide additional information.
With over 1 billion monthly active users, Instagram is a proven social media platform that helps businesses engage current customers and attract new ones.
With this data don’t you think you should stay on the top by adapting one of best business Instagram tools?
Let’s dive deep and check out what benefit you can get with the best Instagram management tool – InstafollowHQ
Helps in Capturing your Audience’s Attention
Instafollow HQ has got powerful planning and simply stunning editing tools that create an eye-catching Instagram feed.
Instafollow HQ creates your feed with detailed Perfection
Instafollow HQ creates and maintains your feed simply amazing that helps grow your potential audience and increase your influence.
Develops an Appealing Account
InstafollowHQ has special editing tools that keep your account look elegant.
By maintaining attention capturing look for your business/brand, it indicates you are a true professional.
Increases Your Network
Whether it is to Tag right people or products in order to get more likes, comments, and followers, instafollow HQ- does it all.
It also adds location to your posts so your right customer can reach to your destination.
Creates Creative Content
We all know “Content is King”.So how Instafollow HQ can miss adopting this marketing strategy?
Instafollow HQ not only creates great content but also Schedules and post photos, videos and compelling stories directly to your Instagram account so you can build a dynamic feed that engages your potential audience.
Be it personal brands, businesses, and agencies, instafollow HQ is loved by everyone!
So what are your thoughts?
Schedule your Instagram posts like never before only with one of the best social media management tools – Instafollow HQ.
Don’t wait! Don’t hesitate! Yeah! Because it’s time to grow your business.
Request a FREE Quote Now!
InstaFollowHQ is the best digital toolkit for every businesses and brand.
It delivers real Followers, Activity, and Likes to your Instagram account 24/7 and engages with new potential customers and followers generating new leads.
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<title>Top 10 Handmade Wooden Duck for Home & Garden Decoration</title>
<link>https://ggeuums.info/22</link>
<comments>https://ggeuums.info/22#comments</comments>
<pubDate>Sun, 09 Oct 2022 13:46:34 +0000</pubDate>
<dc:creator>admin</dc:creator>
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<description><![CDATA[Ducks are one of the symbols that reflects love. Wooden ducks are finely carved, created, and designed for a striking look and sense nicest for home and garden decors. These ducks are handmade with precise and skilled craftsmanship on wood … <a href="https://ggeuums.info/22">Continue reading →</a>]]></description>
<content:encoded><![CDATA[Ducks are one of the symbols that reflects love. Wooden ducks are finely carved, created, and designed for a striking look and sense nicest for home and garden decors. These ducks are handmade with precise and skilled craftsmanship on wood with hand-painting with special colors. Just a little care needs to be taken for tidying up. Clean the wooden articles with a sponge or cloth using a mild non-detergent soap and water and clean them dry. Abrasive cleaners or scrubbers should not be used, and they can pale the look of the wooden item.
Painted duck statues for garden lawn or yard decoration handmade wooden craft. 
The materials, paints, and pigments used for making it are eco-friendly, non-toxic, and safe. It is a cute duck-shaped wooden article perfect for home, lawn, garden, and party decor. This makes the home and garden look thoroughly beautiful and fascinating. It may come in different sizes according to the customer’s requirements. 
Wooden ducks crafts ornaments desktop decoration for home party 
It is made of wood crafted beautifully, giving a cute and unique look. It has a realistic shape, and the handcrafters had given the wooden duck’s excellent details with fine skills. It is purposefully suitable for garden, office, home, office, and desktop decoration. It makes the mood refreshed and brings happiness to daily life. It is also a great gift for children, friends, or lovers. 
Zoltamulata handcrafted wooden duck pair showpiece for home interior decor ducks 
These ducks are made up of good-quality wood material. It is certainly suitable for home and car too. This makes the home look better and greatly enchanted. 
Wooden Hand-Painted Ducks 
The Rajasthan artists are greatly skilled in the handcrafting of wooden articles. This is one of their articles beautifully hand-painted and carved. This is suitable and beautifully embraces a comfortable corner of the office or home. 
Wooden Duck Home Decor 
This is a fascinating and beautifully detailed design made up of wood. The details in the duck are very well shown. Though it is not painted, it gives a rich and royal look to the home decor. 
Klowage Duck Decorative showpiece 
This is enormously best for home decorative purposes. It is completely made up of wood and comes in multicolor according to customers choice. It gives a little vintage theme to the home. Looks great and has a great impact on people. 
LAVANSHI 4″ Kadamba Wood Duck Decorative Showpiece 
This wood duck showpiece is extremely ethnic and authentic. The artisans have precisely given the minute details, making this woodcraft a masterwork. It is suitable for the home decor purpose giving a delightful look to the home. 
3×Rustic Style Duck lovely nautical wooden duck set photo prop table shelf display home decor 
These highly detailed handmade duck models are very fascinating and elegant. They are well-crafted and carved with details. It is colored and feels cute to be a part of home and garden decor. 
Handmade Ducks by DCUK 
This handmade duck is so much more than just a decor ornament. It is made up of wood with specific details unique from most other handcrafted wooden duck decors. It is perfectly sculpted, and the hat and boots make it more attractive. 
Wooden Birds Gift Set 
This can be used for home decor or garden decor purposes. It could also be gifted to loved ones. Just protect it from water and dust with a small cotton hand broom to remove the accumulated dirt. 
The wooden duck articles are perfect for your garden decor and home decor. It gives the place a unique and new look. We also provide the best handmade wooden duck decor for home and garden decor purposes. The painted wooden ducks with boots are specifically good and prominent at our place. You can also buy the best duck models from us at a reasonable price and more offers.
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