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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>ksethms.info</title> <atom:link href="http://ksethms.info/feed" rel="self" type="application/rss+xml" /> <link>https://ksethms.info</link> <description></description> <lastBuildDate>Thu, 01 Aug 2024 21:35:38 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>How to Easily Conduct Industry Research</title> <link>https://ksethms.info/how-to-easily-conduct-industry-research,html</link> <comments>https://ksethms.info/how-to-easily-conduct-industry-research,html#comments</comments> <pubDate>Sun, 09 Apr 2023 16:11:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Industrial Goods & Services]]></category> <guid isPermaLink="false">http://ksethms.info/?p=75</guid> <description><![CDATA[Success in small business is very much dependent on conducting industry research. Industry research is not a one-time deal; it is something that needs to be ongoing if you are to succeed and develop a long-lived, sustainable and profitable business.Be An Expert Today And TomorrowEven if you are an expert in your field today, you [...]]]></description> <content:encoded><![CDATA[<p> Success in small business is very much dependent on conducting industry research. Industry research is not a one-time deal; it is something that needs to be ongoing if you are to succeed and develop a long-lived, sustainable and profitable business.Be An Expert Today And TomorrowEven if you are an expert in your field today, you will not remain an industry expert if you do not make time for regular, ongoing industry research and incorporate it into your business plan. In order to see to the needs of your client-base you need to be ahead of them as far as industry trends are concerned; you need to be able to deliver the information, services, and goods that they want, and be ready with it before they know that they want it. That level of deliverance is what will keep you ahead as a ‘go-to’ resource, and it is what will keep old clients returning and new ones coming to you.It is not enough to learn the ins and outs of your industry in the beginning and then assume you know enough. To stay in business and to stay competitive you have to keep up with industry trends and changes. You have to immerse yourself in the information and knowledge of your field so that you will be a timely and accurate resource that people can rely on.Conducting Ongoing Industry ResearchWhile that may sound like an overwhelming responsibility, conducting ongoing industry research is easier than you think. One of the best ways to stay up and be an expert is to join industry relevant groups and associations. Such groups basically act as information clearinghouses for the specified industry, and make it their mission to get the word out to their members to keep them ahead of the curve.In addition, there are a number of resources both inside and outside the industry that will provide ongoing industry research. These include:-Business and relevant sections of local and regional newspapers<br />-Newsletters from industry professionals and resources (online and off<br />-Online industry eZines<br />-Industry and trade magazinesDo not discount your competition as an information resource, either. Stop in at their businesses and websites, network and share resources, and see what is and is not working for others. Learn not only how you can compete by being the same, but also how you can differentiate and further fulfill industry voids.It’s also a good idea to dedicate some time to reading and exposing yourself to the trends and changes of your industry, listening to what analysts know is the biggest step in the right direction for conducting industry research. Get in touch with your industry and with your clientele by knowing what is always on in your field. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://ksethms.info/how-to-easily-conduct-industry-research,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Home Improvement Hardware – Some Essentials</title> <link>https://ksethms.info/home-improvement-hardware-some-essentials,html</link> <comments>https://ksethms.info/home-improvement-hardware-some-essentials,html#comments</comments> <pubDate>Fri, 07 Apr 2023 20:34:34 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Home Improvement]]></category> <guid isPermaLink="false">http://ksethms.info/?p=73</guid> <description><![CDATA[Every day there must be a hundred things you notice and you would like to tweak or improve in your house. If you ever bothered to make a list of those must-do or would-like-to-do projects you would have noticed that the things you needed could be found in the hardware, the electronics shop, the pet [...]]]></description> <content:encoded><![CDATA[<p> Every day there must be a hundred things you notice and you would like to tweak or improve in your house. If you ever bothered to make a list of those must-do or would-like-to-do projects you would have noticed that the things you needed could be found in the hardware, the electronics shop, the pet shop, the garden supplies shop, the automotive shop and some others. It used to be that you needed to make a round of neighborhood stores to get what you needed for your home. Now, that is no longer the case.Except for fruits and vegetables home Improvement hardware stores include practically everything you could possibly need for shaping up and straightening up your home. It is actually easier nowadays to complete a home improvement project than it was, say 50 years ago. For your automobile accessories alone they will have shades, floor mats, trash cans, bug deflectors,mirrors, repair kits and many others. They also offer all sorts of fluids and lubricants for your car, including; motor oils, grease lubricants, anti-freeze fluids and hydraulic fluids. It would be a good idea for you to visit a home improvement hardware site. You might just find among the products they are offering some novelty you didn’t know was being made, or some new accessory for your car.Under housewares, home improvement hardware stores usually feature items for cooking and baking, such as; chaffing dishes and fondues, measuring spoons, pressure cookware, kitchen utensils and casserole dishes, among many others.Some home improvement hardware stores also deal in office equipment and school supplies. In this category you might find school supplies, paper, ink, filing cabinets, adhesives, computer accessories, markers, staplers, packing supplies and many more.You will probably also find in the best home improvement hardware stores pet supplies. This not only includes dog and cat food, but also dog kennels and carriers, anti-flea medicines, leashes and such like.For your gardening needs these hardware stores will have home fountains, gardening gloves, gardening spades, hoses, grass-cutters and many other items that you need but probably won’t remember until you see them there.In fact, instead of giving yourself a headache by trying to think about what you could possibly do to improve your home, you could pay a long visit to a home beautification website and take the time to examine the hundreds of solutions that they can offer your for the hundreds of ideas you have for repairing and beautifying your home. After browsing through their product catalogues, you will have found new ideas for home improvement that never occurred to you before.The best home improvement stores on the web usually have a very interactive customer support module on their home page to entertain any of your questions and give you some suggestions, as well as clarify details about their products. To keep yourself updated on the newest home improvement features, pay them a regular visit. Many of these home improvement hardware stores will offer you discounts if you are a regular customer. </p>]]></content:encoded> <wfw:commentRss>https://ksethms.info/home-improvement-hardware-some-essentials,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Home Decorating With A Home Interiors Catalog</title> <link>https://ksethms.info/home-decorating-with-a-home-interiors-catalog,html</link> <comments>https://ksethms.info/home-decorating-with-a-home-interiors-catalog,html#comments</comments> <pubDate>Thu, 06 Apr 2023 16:12:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[home]]></category> <category><![CDATA[Building]]></category> <category><![CDATA[Buying]]></category> <category><![CDATA[Commercial]]></category> <category><![CDATA[Commercial Property]]></category> <category><![CDATA[Construction]]></category> <category><![CDATA[Home]]></category> <category><![CDATA[Home Staging]]></category> <category><![CDATA[Homes]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Marketing]]></category> <category><![CDATA[Property Management]]></category> <category><![CDATA[Real Estate]]></category> <guid isPermaLink="false">http://ksethms.info/?p=71</guid> <description><![CDATA[There are various sources which the homeowner can refer to when it comes to home decorating. One particularly popular source is the home interiors catalog. Just like other similar methods of looking for ways to design your home, this option will open up a huge variety of choices to the consumer. Not only will you [...]]]></description> <content:encoded><![CDATA[<p> There are various sources which the homeowner can refer to when it comes to home decorating. One particularly popular source is the home interiors catalog. Just like other similar methods of looking for ways to design your home, this option will open up a huge variety of choices to the consumer. Not only will you get to have a lot of new ideas, this option is rather inexpensive and is very much affordable to all of us. Keep reading to educate yourself more on this matter.First of all, one consideration that you should not miss is the multitude of companies that sells or produces these interior catalogs. For your information, there are many different ones on the market to choose from and while this fact indeed offers you with a greater selection, it can also make it more difficult for you to make your decision. In this case, many people simply decide to go for the organization they feel the most comfortable with.While some have agents, in which a representative from the respective company actually comes to the person’s house to make recommendations as well as to collect orders, a lot do not really do this. In certain cases, your orders can be directly placed with the independent consultant. There are even some that offer online services, meaning that the customers can place their orders online.Merchandise can differ by the individual provider. However, most carry somewhat similar items in nature. This can include mirrors, candles and other scented products for examples. Other decorations can include wall art and sometimes even throws and pillows to help accent the atmosphere one is trying to achieve.For your information, delivery of the purchased goods may also differ. In some instances, your home decorating items are delivered directly to the door by the consultant that you have appointed. Those that order online may receive their shipments by mail through an independent delivery company. Anyway, the length of time that it takes to receive the ordered items is usually anywhere from a few days to a week.All in all, transforming a space can be as simple as utilizing the right kinds of decorations but some homeowners may still need a little bit of extra help. Some of the companies which specialize in interior decoration may even provide value-added services to help you put everything together to achieve that perfect look that you have been longing for. </p>]]></content:encoded> <wfw:commentRss>https://ksethms.info/home-decorating-with-a-home-interiors-catalog,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Cardio Exercises for Health and Fitness</title> <link>https://ksethms.info/cardio-exercises-for-health-and-fitness,html</link> <comments>https://ksethms.info/cardio-exercises-for-health-and-fitness,html#comments</comments> <pubDate>Thu, 06 Apr 2023 14:58:28 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Health]]></category> <category><![CDATA[Acne]]></category> <category><![CDATA[Anti Aging]]></category> <category><![CDATA[Beauty]]></category> <category><![CDATA[Cosmetic Surgery]]></category> <category><![CDATA[Diabetes]]></category> <category><![CDATA[Drug Abuse]]></category> <category><![CDATA[Health and Fitness]]></category> <category><![CDATA[Massage]]></category> <category><![CDATA[meditation]]></category> <category><![CDATA[Nutrition]]></category> <category><![CDATA[Personal Training]]></category> <category><![CDATA[Popular Diets]]></category> <category><![CDATA[Skin Care]]></category> <category><![CDATA[Spa and Wellness]]></category> <category><![CDATA[Speech Pathology]]></category> <category><![CDATA[Weight Loss]]></category> <category><![CDATA[Yoga]]></category> <guid isPermaLink="false">http://ksethms.info/?p=69</guid> <description><![CDATA[What is a cardiovascular exercise and why do we need one?A cardiovascular exercise is oftentimes referred to as aerobic exercises. It increases heart rate and improves oxygen system in all parts of our body. It is a popular form of weight loss and physical fitness activity that often takes a commercial form. Everyone must establish [...]]]></description> <content:encoded><![CDATA[<p> What is a cardiovascular exercise and why do we need one?A cardiovascular exercise is oftentimes referred to as aerobic exercises. It increases heart rate and improves oxygen system in all parts of our body. It is a popular form of weight loss and physical fitness activity that often takes a commercial form. Everyone must establish a workout regimen to make our heart work harder and pump more blood that will help our blood flow smoothly all throughout our body to maintain our good health; making us always feel energized, physically and mentally fit. Cardio exercise also combats depression by activating the neurotransmitters that is often associated to avoid depression putting us always in a better mental condition. It is essentially part of our lifestyle to stay well and healthy.What are the benefits we can get from this?A cardiovascular exercise strengthens the heart and lungs as well as it strengthen the muscles all throughout the body. It improves blood circulation and efficiently reduces blood pressure.It boosts the metabolism, burns calories, and helps lose weight as well as it improves mental health and lowering the incidence of depression. This form of exercise also reduces the risk for diabetes. It increases energy and helps reduce stress that promotes a restful sleep.What are the types or forms of this exercise?There are lots of types or forms of cardiovascular exercise. The lists below were among the popular and the best types of exercises. The number of calories burned opposite the type of exercise was based in a typical weight of 145 lbs body weight that performed the exercises in 30 minutes time.<br />Walking – 180 calories<br />Cycling – 250 to 500 calories<br />Running – 300 calories<br />Cross-Country Skiing – 330 calories<br />Rock Climbing – 380 calories<br />Swimming – 400 calories<br />Step Aerobics – 400 calories<br />Handball – 400 calories<br />Are there other ways to perform this exercise?Yes. There are other ways to perform such exercise. Again, the most popular today and is always done by many who in one way or the other has had a limited time performing the natural ways is by doing the exercises with the use of cardio machines. There are lots of these machines today in the market to choose from. One must carefully choose the best machine to use in his daily exercises that will satisfy his needs. Some of the most popular and beneficial machines that are recommended by fitness experts are the water rowing machines, the high incline treadmills, the techno gym cardio wave, the precor adaptive motion trainer, and the versa climber. A good cardio machine will let you burn of up to 500 calories giving you the benefit of a full body and cardiovascular exercise.Now that we know the benefits we can get in a cardiovascular exercise, its about time that we must start out a workout regimen that will suit to all our health and fitness needs. Stay Fit-Live Well. </p>]]></content:encoded> <wfw:commentRss>https://ksethms.info/cardio-exercises-for-health-and-fitness,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Marketing – Use PPC Or SEO</title> <link>https://ksethms.info/online-marketing-use-ppc-or-seo,html</link> <comments>https://ksethms.info/online-marketing-use-ppc-or-seo,html#comments</comments> <pubDate>Thu, 06 Apr 2023 14:01:44 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[internet marketing]]></category> <category><![CDATA[local online marketing]]></category> <guid isPermaLink="false">http://ksethms.info/?p=67</guid> <description><![CDATA[Online marketing: you have probably heard of it, and most likely have a general idea of what it is. As the name suggests, online marketing is advertising on the Internet.Businesses use online marketing because it can actually be cheaper than print advertising and can be much more effective if used properly. Effectiveness in your campaign [...]]]></description> <content:encoded><![CDATA[<p> Online marketing: you have probably heard of it, and most likely have a general idea of what it is. As the name suggests, online marketing is advertising on the Internet.Businesses use online marketing because it can actually be cheaper than print advertising and can be much more effective if used properly. Effectiveness in your campaign is why small business owners should look into hiring a professional online marketing firm to make their business more popular on the web and to bring in more customers. A competent online marketing firm will use all the latest strategies of the trade to make sure your company is near the top of the Google search page.Online marketing gets you results in 2 areas of search; organic or paid. Getting into one or the other determines what method you will use; Pay-Per-Click (PPC) or Search Engine Optimization (SEO).It is important to know what type of strategies your chosen marketing firm will use. Are they going to work to get you organic search results or are they going to set up a Pay-Per-Click campaign?SEO is the main problem to solve if you want your company listed near the top of search pages. Even if you use paid search, it is important to make sure your website is still optimized for search engines.In general, SEO uses key words and phrases strategically placed on your website and also built into content syndicated on the Internet in a way that increases your business’ appearance in search results when your customer begins looking.The more relevant the key words and the content of your pages are to what a person searches for, the more likely it appears in search engines. While many small businesses will not have to spend huge amounts of money on this, they do need to invest a significant amount of time.The biggest benefit is that results stick around for awhile as opposed to Paid Advertising which disappears when the money runs out.Another area well spent with SEO is in your Google Local Maps directory listing. Google Local Maps or Places is a great local online marketing tool. Many people use Google to find local businesses and services, which is why your business needs to be listed in Google Local Maps. A lot of the time, potential customers type in the kind of business they are looking for and take the first few from where it says “Local business results for [search term]… “. One of the most inexpensive and effective ways to get more customers is to be listed very high in Google Local Maps.Pay-Per-Click, or PPC, means that the businesses inside that pink “Sponsored Links” box pay Google every time someone clicks on their link. This can be a waste of money if you do not go into it armed with the latest knowledge. Pay-Per-Click will get you business. The biggest benefit is it can drive business quickly if done right and save you some time. The major drawback is that if your advertising funds run low you’re your new business stream will dwindle as well.If Pay-Per-Click is not something you are interested in then it is a better idea to use the skills of a local online marketing firm that specializes in getting you top organic search results. </p>]]></content:encoded> <wfw:commentRss>https://ksethms.info/online-marketing-use-ppc-or-seo,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What is Art?</title> <link>https://ksethms.info/what-is-art,html</link> <comments>https://ksethms.info/what-is-art,html#comments</comments> <pubDate>Wed, 05 Apr 2023 07:58:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Animation]]></category> <category><![CDATA[Arts and Entertainment]]></category> <category><![CDATA[Body Piercings]]></category> <category><![CDATA[Casino Gambling]]></category> <category><![CDATA[FictionTattoos]]></category> <category><![CDATA[Film Editing]]></category> <category><![CDATA[Movies TV]]></category> <category><![CDATA[Music]]></category> <category><![CDATA[Music Industry]]></category> <category><![CDATA[Music Instruction]]></category> <category><![CDATA[Painting]]></category> <category><![CDATA[Performing Arts]]></category> <category><![CDATA[Photography]]></category> <category><![CDATA[Visual Graphic Arts]]></category> <guid isPermaLink="false">http://ksethms.info/?p=65</guid> <description><![CDATA[We can try answering the question “what is art?” by understanding the definition given in Britannica online which says that art is “the use of skill and imagination in the creation of aesthetic objects, environments, or experiences that can be shared with others.”In this regard it will be apt to have a glance at what [...]]]></description> <content:encoded><![CDATA[<p> We can try answering the question “what is art?” by understanding the definition given in Britannica online which says that art is “the use of skill and imagination in the creation of aesthetic objects, environments, or experiences that can be shared with others.”In this regard it will be apt to have a glance at what Leo Tolstoy had to say about art in his book called “What is art?” written some 200 years back. One of the important points that he said about art is that “in order to correctly define art, it is necessary, first of all, to cease to consider it as a means to pleasure and to consider it as one of the conditions of human life. Viewing it in this way we cannot fail to observe that art is one of the means of intercourse between man and man.” There are many other interesting views on art that has been expressed by him in his book titled “what is art?”Many other definitions emphasize that1. Art is subjective and art is more subjective than objective.<br />2. Art is form and content.<br />3. Art has an artistic process.<br />4. There is a connection between beauty and art and beauty is the measure of quality of art.Then there are debatable questions to the basic question “what is art?”, like1. Can anything be art?<br />2. Is there any objective crieteria for art?Perception of Art and the identity of the artist have always changed through history and contemporary society and therefore the question of “what is art?” looks like a bottom less pit.Art & Artists in the Ancient World and Middle Ages, Art & Artists in the Renaissance are very different from Art & Artists of the modern world. What is the affect of modernism on art & artist is a highly debatable topic. It throws up issues like whether modernism has led to the end of art. It is an interesting study to see how modernism and politics and postmodernism have affected the art and artists of today.Discussion of art and the question “what is art?” needs a detailed understanding of the usage, theories and utility of art. It should address the classification disputes, touch upon the controversial art scene and it should weigh the class and value of the art.There are different forms, genres, mediums and styles for expression of artistic abilities and all these have their own characteristic skills & craft, value judgment models and communication styles.The various types of commonly accepted artistic expressions are Architecture, Cinematography, Drawing, Erotic art, Music, dance, writing, Painting, Poetry, Sculpture and Photography. There are many more valid types of artistic expression apart from the one mentioned above.Further the question “what is art?” will not be fully answered and the study of art and artists will remain incomplete if we do not touch in some measure the History of Art, Basic Art concepts & famous artists.There cannot be a complete definition or answer ever to the question “what is art?” but still we can try to muster up some logical structure based on the following below mentioned points.Art is-1. the product of conscious intention with a mix of the unconscious expression,<br />2. a self rewarding activity but with a mix of larger view of love, empathy and compassion also,<br />3. a tendency to unite dissimilar things and break down similar things,<br />4. concerned with change and variety and bringing a stability in change and variety,<br />5. the aesthetic exploitation of familiarity vs. surprise and the journey into the known vs. unknown,<br />6. the aesthetic exploitation of tension vs. release and it is a balance between the creative tension vs. the destructive tension.<br />7. the imposition of order on disorder and a mix of creating disorder from order,<br />8. the creation of illusions as well as clearing the clouds of illusions,<br />9. an indulgence in sensuousness or at the other extreme it is a bucket of moral outpourings,<br />10. the exhibition of skill and craft,<br />11. a desire to convey meanings as well the desire to hide deeper symbols and expressions,<br />12. an indulgence in fantasy and also an attempt at bringing the fantasy into reality,<br />13. the aggrandizement of self or others,<br />14. illustration,<br />15. the heightening of existence through the knowledge of eventual destruction<br />16. revelation and hiding,<br />17. personal adornment or embellishment,<br />18. therapy, love, compassion, empathy and healing,<br />19. the giving of meaning to life knowing the meaninglessness of life,<br />20. the generation of self conscious experience and superconscious connection,<br />21. the provision of paradigms of order and/or disorder,<br />22. and training in the perception of reality by traveling the path of the surreal.The list can be as long as we can imagine as it has to be said that defining art is just like defining life itself. I think now we can appreciate the depth of the question “what is art?” </p>]]></content:encoded> <wfw:commentRss>https://ksethms.info/what-is-art,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Changes in Big Health Insurance for 2013 College Grads</title> <link>https://ksethms.info/changes-in-big-health-insurance-for-2013-college-grads,html</link> <comments>https://ksethms.info/changes-in-big-health-insurance-for-2013-college-grads,html#comments</comments> <pubDate>Tue, 04 Apr 2023 21:41:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Acne]]></category> <category><![CDATA[Anti Aging]]></category> <category><![CDATA[Beauty]]></category> <category><![CDATA[Cosmetic Surgery]]></category> <category><![CDATA[Diabetes]]></category> <category><![CDATA[Drug Abuse]]></category> <category><![CDATA[Health and Fitness]]></category> <category><![CDATA[Massage]]></category> <category><![CDATA[meditation]]></category> <category><![CDATA[Nutrition]]></category> <category><![CDATA[Personal Training]]></category> <category><![CDATA[Popular Diets]]></category> <category><![CDATA[Skin Care]]></category> <category><![CDATA[Spa and Wellness]]></category> <category><![CDATA[Speech Pathology]]></category> <category><![CDATA[Weight Loss]]></category> <category><![CDATA[Yoga]]></category> <guid isPermaLink="false">http://ksethms.info/?p=63</guid> <description><![CDATA[With all the fuss about the new policy, open enrollment period, the subsidies given by government and the necessity to have a health cover has created new choices and issues at the same time for the new college grads.Some of the choices they make are; Mom & Dad’s plan, individually purchased coverage, short-term coverage, etc., [...]]]></description> <content:encoded><![CDATA[<p> With all the fuss about the new policy, open enrollment period, the subsidies given by government and the necessity to have a health cover has created new choices and issues at the same time for the new college grads.Some of the choices they make are; Mom & Dad’s plan, individually purchased coverage, short-term coverage, etc., but there is a whole new lot of options coming on for them.How will health insurance options of today change for graduates when the last big provisions of the health reform law come into effect from January?Here’s How!Mom & Dad’s health insurance plan – A parent health insurance plan is best for you if you are thinking of moving back to your parent’s place, and you are looking for quality coverage or employer-based coverage is not available at the moment. With the help of the Affordable Care Act (ACA) now a person graduating from college can stay insured under his parent’s health insurance plan till the age of 26. This is a very nice option for some of the graduates. But there are negative sides of this, like increased premium for the parents, or if you are not in the state then it is not possible to get the assistance of network doctor at the time of requirement. So these are the things that can hamper the benefits of your coverage.In 2014: You will be treated as a holder of a health plan with your parents till the time you turn 26, but after that you are supposed to purchase a health cover of your own, in order to fit in the requirements of ACA.Traditional individual health insurance plan -if you are looking for quality coverage and do not have an option of employer-based coverage at the moment, or you have an ambition of being financially independent, then you should go for a traditional major health insurance plan for yourself. A person with good health has many good and affordable options to choose from.You can get the best for you by getting the best information about your plan from an online marketplace. It is to be kept in mind that this is possible to decline coverage based on pre-existing conditions until 2014In 2014: by the start of 2014, most of the people who are not covered under employer-based insurance will have to purchase these individual insurance plans. It will be a good thing if you will purchase one now. There is a chance of you getting the benefit of subsidies in 2014.High-deductible health insurance plan – if you are not covered under any employer-based health insurance and want quality coverage, but do not have the need of it, as you are in a good health conditions and are not taking any kind of medical drug regularly, then you should go for a high deductible insurance plan. These are the traditional insurance plans with higher deductible. Here the meaning of higher deductibles is lower monthly premiums. Some of the higher deductible plans can be used in the health saving accounts, by which you will be getting some tax advantage and saving a considerable amount of money.In 2014: At this time also the high-deductible plans and Health Savings Accounts will be available. Apart from these there will be plans available for everyone which are now a days only there for the people below 30 years of age.Short-term health insurance plan – If all you want is the basic emergency coverage, or your employer-based coverage is not enough for you, then a short term health insurance will be a good option for you. The short term health insurance plans are easy to qualify and quite affordable. But it should be kept in mind that the short term plans do not cover the pre-existing conditions, preventive care or prescription drugs. You can easily purchase a short term health insurance plan.In 2014: the short term health insurance will not be complying with the requirements of the health reform law in 2014. So you will be subject to a tax penalty on the federal taxes if you stay uncovered from a qualifying health plans for more than 90 days.Going uninsured – It is a matter of concern that most of the young Americans are uninsured these days. The idea of health insurance sounds foolish at the time you are young and healthy. But a single medical emergency can cost to more than you can ever think with all the medical expenses these days. the success of the health reform will be vague without the involvement of young and healthy individuals.In 2014: it is going to impact your finances if you are uninsured in 2014. Most of the uninsured people will face a tax penalty of 1% of their income or $95 (whichever is greater) and the penalty will keep increasing in the coming years. </p>]]></content:encoded> <wfw:commentRss>https://ksethms.info/changes-in-big-health-insurance-for-2013-college-grads,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>A Brief Introduction to Captive Insurance</title> <link>https://ksethms.info/a-brief-introduction-to-captive-insurance,html</link> <comments>https://ksethms.info/a-brief-introduction-to-captive-insurance,html#comments</comments> <pubDate>Tue, 04 Apr 2023 18:20:33 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[insurance]]></category> <guid isPermaLink="false">http://ksethms.info/?p=60</guid> <description><![CDATA[Over the past 20 years, many small businesses have begun to insure their own risks through a product called “Captive Insurance.” Small captives (also known as single-parent captives) are insurance companies established by the owners of closely held businesses looking to insure risks that are either too costly or too difficult to insure through the [...]]]></description> <content:encoded><![CDATA[<p> Over the past 20 years, many small businesses have begun to insure their own risks through a product called “Captive Insurance.” Small captives (also known as single-parent captives) are insurance companies established by the owners of closely held businesses looking to insure risks that are either too costly or too difficult to insure through the traditional insurance marketplace. Brad Barros, an expert in the field of captive insurance, explains how “all captives are treated as corporations and must be managed in a method consistent with rules established with both the IRS and the appropriate insurance regulator.”According to Barros, often single parent captives are owned by a trust, partnership or other structure established by the premium payer or his family. When properly designed and administered, a business can make tax-deductible premium payments to their related-party insurance company. Depending on circumstances, underwriting profits, if any, can be paid out to the owners as dividends, and profits from liquidation of the company may be taxed at capital gains.Premium payers and their captives may garner tax benefits only when the captive operates as a real insurance company. Alternatively, advisers and business owners who use captives as estate planning tools, asset protection vehicles, tax deferral or other benefits not related to the true business purpose of an insurance company may face grave regulatory and tax consequences.Many captive insurance companies are often formed by US businesses in jurisdictions outside of the United States. The reason for this is that foreign jurisdictions offer lower costs and greater flexibility than their US counterparts. As a rule, US businesses can use foreign-based insurance companies so long as the jurisdiction meets the insurance regulatory standards required by the Internal Revenue Service (IRS).There are several notable foreign jurisdictions whose insurance regulations are recognized as safe and effective. These include Bermuda and St. Lucia. Bermuda, while more expensive than other jurisdictions, is home to many of the largest insurance companies in the world. St. Lucia, a more reasonably priced location for smaller captives, is noteworthy for statutes that are both progressive and compliant. St. Lucia is also acclaimed for recently passing “Incorporated Cell” legislation, modeled after similar statutes in Washington, DC.Common Captive Insurance Abuses; While captives remain highly beneficial to many businesses, some industry professionals have begun to improperly market and misuse these structures for purposes other than those intended by Congress. The abuses include the following:1. Improper risk shifting and risk distribution, aka “Bogus Risk Pools”2. High deductibles in captive-pooled arrangements; Re insuring captives through private placement variable life insurance schemes3. Improper marketing4. Inappropriate life insurance integrationMeeting the high standards imposed by the IRS and local insurance regulators can be a complex and expensive proposition and should only be done with the assistance of competent and experienced counsel. The ramifications of failing to be an insurance company can be devastating and may include the following penalties:1. Loss of all deductions on premiums received by the insurance company2. Loss of all deductions from the premium payer3. Forced distribution or liquidation of all assets from the insurance company effectuating additional taxes for capital gains or dividends4. Potential adverse tax treatment as a Controlled Foreign Corporation5. Potential adverse tax treatment as a Personal Foreign Holding Company (PFHC)6. Potential regulatory penalties imposed by the insuring jurisdiction7. Potential penalties and interest imposed by the IRS.All in all, the tax consequences may be greater than 100% of the premiums paid to the captive. In addition, attorneys, CPA’s wealth advisors and their clients may be treated as tax shelter promoters by the IRS, causing fines as great as $100,000 or more per transaction.Clearly, establishing a captive insurance company is not something that should be taken lightly. It is critical that businesses seeking to establish a captive work with competent attorneys and accountants who have the requisite knowledge and experience necessary to avoid the pitfalls associated with abusive or poorly designed insurance structures. A general rule of thumb is that a captive insurance product should have a legal opinion covering the essential elements of the program. It is well recognized that the opinion should be provided by an independent, regional or national law firm.Risk Shifting and Risk Distribution Abuses; Two key elements of insurance are those of shifting risk from the insured party to others (risk shifting) and subsequently allocating risk amongst a large pool of insured’s (risk distribution). After many years of litigation, in 2005 the IRS released a Revenue Ruling (2005-40) describing the essential elements required in order to meet risk shifting and distribution requirements.For those who are self-insured, the use of the captive structure approved in Rev. Ruling 2005-40 has two advantages. First, the parent does not have to share risks with any other parties. In Ruling 2005-40, the IRS announced that the risks can be shared within the same economic family as long as the separate subsidiary companies ( a minimum of 7 are required) are formed for non-tax business reasons, and that the separateness of these subsidiaries also has a business reason. Furthermore, “risk distribution” is afforded so long as no insured subsidiary has provided more than 15% or less than 5% of the premiums held by the captive. Second, the special provisions of insurance law allowing captives to take a current deduction for an estimate of future losses, and in some circumstances shelter the income earned on the investment of the reserves, reduces the cash flow needed to fund future claims from about 25% to nearly 50%. In other words, a well-designed captive that meets the requirements of 2005-40 can bring about a cost savings of 25% or more.While some businesses can meet the requirements of 2005-40 within their own pool of related entities, most privately held companies cannot. Therefore, it is common for captives to purchase “third party risk” from other insurance companies, often spending 4% to 8% per year on the amount of coverage necessary to meet the IRS requirements.One of the essential elements of the purchased risk is that there is a reasonable likelihood of loss. Because of this exposure, some promoters have attempted to circumvent the intention of Revenue Ruling 2005-40 by directing their clients into “bogus risk pools.” In this somewhat common scenario, an attorney or other promoter will have 10 or more of their clients’ captives enter into a collective risk-sharing agreement. Included in the agreement is a written or unwritten agreement not to make claims on the pool. The clients like this arrangement because they get all of the tax benefits of owning a captive insurance company without the risk associated with insurance. Unfortunately for these businesses, the IRS views these types of arrangements as something other than insurance.Risk sharing agreements such as these are considered without merit and should be avoided at all costs. They amount to nothing more than a glorified pretax savings account. If it can be shown that a risk pool is bogus, the protective tax status of the captive can be denied and the severe tax ramifications described above will be enforced.It is well known that the IRS looks at arrangements between owners of captives with great suspicion. The gold standard in the industry is to purchase third party risk from an insurance company. Anything less opens the door to potentially catastrophic consequences.Abusively High Deductibles; Some promoters sell captives, and then have their captives participate in a large risk pool with a high deductible. Most losses fall within the deductible and are paid by the captive, not the risk pool.These promoters may advise their clients that since the deductible is so high, there is no real likelihood of third party claims. The problem with this type of arrangement is that the deductible is so high that the captive fails to meet the standards set forth by the IRS. The captive looks more like a sophisticated pre tax savings account: not an insurance company.A separate concern is that the clients may be advised that they can deduct all their premiums paid into the risk pool. In the case where the risk pool has few or no claims (compared to the losses retained by the participating captives using a high deductible), the premiums allocated to the risk pool are simply too high. If claims don’t occur, then premiums should be reduced. In this scenario, if challenged, the IRS will disallow the deduction made by the captive for unnecessary premiums ceded to the risk pool. The IRS may also treat the captive as something other than an insurance company because it did not meet the standards set forth in 2005-40 and previous related rulings.Private Placement Variable Life Reinsurance Schemes; Over the years promoters have attempted to create captive solutions designed to provide abusive tax free benefits or “exit strategies” from captives. One of the more popular schemes is where a business establishes or works with a captive insurance company, and then remits to a Reinsurance Company that portion of the premium commensurate with the portion of the risk re-insured.Typically, the Reinsurance Company is wholly-owned by a foreign life insurance company. The legal owner of the reinsurance cell is a foreign property and casualty insurance company that is not subject to U.S. income taxation. Practically, ownership of the Reinsurance Company can be traced to the cash value of a life insurance policy a foreign life insurance company issued to the principal owner of the Business, or a related party, and which insures the principle owner or a related party.1. The IRS may apply the sham-transaction doctrine.2. The IRS may challenge the use of a reinsurance agreement as an improper attempt to divert income from a taxable entity to a tax-exempt entity and will reallocate income.3. The life insurance policy issued to the Company may not qualify as life insurance for U.S. Federal income tax purposes because it violates the investor control restrictions.Investor Control; The IRS has reiterated in its published revenue rulings, its private letter rulings, and its other administrative pronouncements, that the owner of a life insurance policy will be considered the income tax owner of the assets legally owned by the life insurance policy if the policy owner possesses “incidents of ownership” in those assets. Generally, in order for the life insurance company to be considered the owner of the assets in a separate account, control over individual investment decisions must not be in the hands of the policy owner.The IRS prohibits the policy owner, or a party related to the policy holder, from having any right, either directly or indirectly, to require the insurance company, or the separate account, to acquire any particular asset with the funds in the separate account. In effect, the policy owner cannot tell the life insurance company what particular assets to invest in. And, the IRS has announced that there cannot be any prearranged plan or oral understanding as to what specific assets can be invested in by the separate account (commonly referred to as “indirect investor control”). And, in a continuing series of private letter rulings, the IRS consistently applies a look-through approach with respect to investments made by separate accounts of life insurance policies to find indirect investor control. Recently, the IRS issued published guidelines on when the investor control restriction is violated. This guidance discusses reasonable and unreasonable levels of policy owner participation, thereby establishing safe harbors and impermissible levels of investor control.The ultimate factual determination is straight-forward. Any court will ask whether there was an understanding, be it orally communicated or tacitly understood, that the separate account of the life insurance policy will invest its funds in a reinsurance company that issued reinsurance for a property and casualty policy that insured the risks of a business where the life insurance policy owner and the person insured under the life insurance policy are related to or are the same person as the owner of the business deducting the payment of the property and casualty insurance premiums?If this can be answered in the affirmative, then the IRS should be able to successfully convince the Tax Court that the investor control restriction is violated. It then follows that the income earned by the life insurance policy is taxable to the life insurance policy owner as it is earned.The investor control restriction is violated in the structure described above as these schemes generally provide that the Reinsurance Company will be owned by the segregated account of a life insurance policy insuring the life of the owner of the Business of a person related to the owner of the Business. If one draws a circle, all of the monies paid as premiums by the Business cannot become available for unrelated, third-parties. Therefore, any court looking at this structure could easily conclude that each step in the structure was prearranged, and that the investor control restriction is violated.Suffice it to say that the IRS announced in Notice 2002-70, 2002-2 C.B. 765, that it would apply both the sham transaction doctrine and ยงยง 482 or 845 to reallocate income from a non-taxable entity to a taxable entity to situations involving property and casualty reinsurance arrangements similar to the described reinsurance structure.Even if the property and casualty premiums are reasonable and satisfy the risk sharing and risk distribution requirements so that the payment of these premiums is deductible in full for U.S. income tax purposes, the ability of the Business to currently deduct its premium payments on its U.S. income tax returns is entirely separate from the question of whether the life insurance policy qualifies as life insurance for U.S. income tax purposes.Inappropriate Marketing; One of the ways in which captives are sold is through aggressive marketing designed to highlight benefits other than real business purpose. Captives are corporations. As such, they can offer valuable planning opportunities to shareholders. However, any potential benefits, including asset protection, estate planning, tax advantaged investing, etc., must be secondary to the real business purpose of the insurance company.Recently, a large regional bank began offering “business and estate planning captives” to customers of their trust department. Again, a rule of thumb with captives is that they must operate as real insurance companies. Real insurance companies sell insurance, not “estate planning” benefits. The IRS may use abusive sales promotion materials from a promoter to deny the compliance and subsequent deductions related to a captive. Given the substantial risks associated with improper promotion, a safe bet is to only work with captive promoters whose sales materials focus on captive insurance company ownership; not estate, asset protection and investment planning benefits. Better still would be for a promoter to have a large and independent regional or national law firm review their materials for compliance and confirm in writing that the materials meet the standards set forth by the IRS.The IRS can look back several years to abusive materials, and then suspecting that a promoter is marketing an abusive tax shelter, begin a costly and potentially devastating examination of the insured’s and marketers.Abusive Life Insurance Arrangements; A recent concern is the integration of small captives with life insurance policies. Small captives treated under section 831(b) have no statutory authority to deduct life premiums. Also, if a small captive uses life insurance as an investment, the cash value of the life policy can be taxable to the captive, and then be taxable again when distributed to the ultimate beneficial owner. The consequence of this double taxation is to devastate the efficacy of the life insurance and, it extends serious levels of liability to any accountant recommends the plan or even signs the tax return of the business that pays premiums to the captive.The IRS is aware that several large insurance companies are promoting their life insurance policies as investments with small captives. The outcome looks eerily like that of the thousands of 419 and 412(I) plans that are currently under audit.All in all Captive insurance arrangements can be tremendously beneficial. Unlike in the past, there are now clear rules and case histories defining what constitutes a properly designed, marketed and managed insurance company. Unfortunately, some promoters abuse, bend and twist the rules in order to sell more captives. Often, the business owner who is purchasing a captive is unaware of the enormous risk he or she faces because the promoter acted improperly. Sadly, it is the insured and the beneficial owner of the captive who face painful consequences when their insurance company is deemed to be abusive or non-compliant. The captive industry has skilled professionals providing compliant services. Better to use an expert supported by a major law firm than a slick promoter who sells something that sounds too good to be true. </p>]]></content:encoded> <wfw:commentRss>https://ksethms.info/a-brief-introduction-to-captive-insurance,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Basics To Starting A Home Based Business</title> <link>https://ksethms.info/the-basics-to-starting-a-home-based-business,html</link> <comments>https://ksethms.info/the-basics-to-starting-a-home-based-business,html#comments</comments> <pubDate>Mon, 27 Mar 2023 05:22:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Home Based Business]]></category> <guid isPermaLink="false">http://ksethms.info/?p=58</guid> <description><![CDATA[Choosing The Best Home Based Business Starting a home based business seems like a very exciting endeavor to embark upon and for those who are already very enthusiastic about the particular product or service they intend to offer, this kind of commitment may not seem like such an enormous one to them. However, some caution [...]]]></description> <content:encoded><![CDATA[<p> Choosing The Best Home Based Business<br />Starting a home based business seems like a very exciting endeavor to embark upon and for those who are already very enthusiastic about the particular product or service they intend to offer, this kind of commitment may not seem like such an enormous one to them. However, some caution should be exercised when actually starting the home business, especially if it is done without careful thought and planning it could end up being a costly mistake and an overall bad experience.The following are some points to consider before actually taking the plunge into one’s own home business experience:Making sure there is a market for the intended home based business feature is important. There is little point of setting up a home business based on a service or product that does not have a market as people are generally not interested in what is being offered. Therefore, some time and effort should be exercised to ensure the intended elements are marketable.Consider the importance of having a separate space that is sole used for the home based business. Working within this designated space would help the individual focus better and also keep boundaries evident for others to be aware of. The mental and physical positive points to having this designated space cannot be emphasized enough.Investing in proper equipment for the home based business is also another important factor to consider. Lacking in this area would only end up costing the individual further when these interruptions add cost to the overall business entity even before substantial profits are evident.From a legal point of view all the necessary documentation and licensing regulations and requirements, should be adequately perused and approved before embarking on the home based business venture. Nothing is worse than incurring the wrath of various governing agencies when proper procedures have not been followed.Figure Out What You Are Good At, And What Your Interests Are<br />Staring a home based business along the lines of the individual’s interest is something to consider as it would be a huge contributing factor to the eventual success of the business.Deciding to do something that one is good at or interested in creates the ideal mindset that will help to keep the business afloat if during difficult times and this is a very important motivating factor for those going into this kind of business venture.As there is really no one to spur the individual to press on, the interests’ factor is what can ensure the desire to succeed stay prevalent always.When a home business is built around an individual’s interest there is also the added advantage of the individual having the necessary knowledge about the choice made that will help to steer the business exercise in the right direction.Going in blind will not be an issue, and good decisions can be made simply based on the knowledge that comes from the interest in that particular area.Also in doing something that one enjoys and likes very much the evidence in the quality of the work being produced will be very visible.When there is a level of excitement around the business environment it can not only be a positive element but can also help the create the ideal work mindset and physical conditioning that dictates eventual success no matter what the challenges are.Most people who venture into the home business based on their interest have been statistically proven to be able to make a success of the endeavor.Making the experience come forth as pleasurable rather than just “work” is often what keeps the individual able to come up with further ideas that will also positively contribute to the innovation of the business, thus keeping it relevant and vibrant at all times.Know What Your Strengths Are-<br />Being able to identify and tap into one’s strengths is a very positive and advantageous thing to be able to do.The energy one is able to harness from this is immeasurable and often in the single most important factor that contributes to the success of any endeavor undertaken.Using these strengths to further develop one’s natural skills and then leverage it to one’s benefits is also another advantage. The individual will be able to eventually downplay or repair any apparent weaknesses along the way.Traditionally people often tend to focus on the negative elements and in the process of this; they try to make the necessary adjustments to combat this negativity.However, doing so, there is the possibility of paying too much attention to this and forgetting to tap into the positive elements that are brought on by the thorough understanding of one’s strengths.Thus instead of harnessing and capitalizing on one’s strengths, energy is being wasted on correcting weaknesses which will eventually cause valuable time and resources to be wasted.Capitalizing on one’s strengths will bring forth the highest potential in the individual and offer the platforms to expand and explore further avenues to shine and be productive.Taking the time to actually explore the various interests that excite the individual would be one way of specifically identifying the said individual’s strengths.This can be done in a number of ways such as observing what excites the individual, what creates the willingness to extend help even when the circumstances is deemed not likely to improve, being able to identify what sort of activity will most likely attract the interest and commitment of the individual, where and when the individual is most likely to contribute mentally or physically and any other such scenarios that would cause the individual to be more approachable and more likely to be contributive.Research The Market For Your Interests And Skills-<br />In order to make the right choices when it comes to starting up a home based business endeavor one should first understand the market sentiments and what and where there are companies that fit the interest and the skill intended to be offered for services are located and what the expectations are. This is critical to ensuring the elements that relate to the interest and skill are well tapped into to bring forth optimum results.Perhaps among the first steps to be taken would be to analyze the skills and interest of the individual and then using this to gauge the lucrative aspect and contribution of the choices made.By doing this it is hoped that the ideal match would be made to match the skills and interest with the selected business endeavor for successful results.The likelihood of experiencing problems that would stall the business will be much less if there are relevant skill to be tapped into whenever the situation call for it.To enhance the prospects of attracting the attention of organizations which would be interested in using the expertise offered by the home business entity, the individual would have to ensure the existing skills are impressive and adequate enough to suit the company’s needs.Keeping up to date within the particular field, would help the individual better assess the current market trends, and thus be able to identify areas where his or her particular skills would be needed and appreciated.As there are many companies now ready to outsource their work load, being visible in providing the relevant skills needed by the company would help the individual to attract contracts and other work opportunities for the home business set up.This visibility will also help to create a present for the business entity for any future job opportunities.Having a vision for the new business entity and wanting to achieve it within a desired time frame is always a good place to start when addressing the managing side of the said business. Hopefully this article has given you a start.Use this as a guideline and you will be well on your way to a very successful home based business of your very own.To your great success on your home based business journey, Bob </p>]]></content:encoded> <wfw:commentRss>https://ksethms.info/the-basics-to-starting-a-home-based-business,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Are You Choosing the Right Stock Market Advisory Company</title> <link>https://ksethms.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://ksethms.info/are-you-choosing-the-right-stock-market-advisory-company,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:35:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[financial]]></category> <category><![CDATA[help you]]></category> <category><![CDATA[planners]]></category> <category><![CDATA[point]]></category> <guid isPermaLink="false">http://ksethms.info/?p=46</guid> <description><![CDATA[What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, [...]]]></description> <content:encoded><![CDATA[<p>What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, when it comes to investing in the stock market for the first time, you require a knowledgeable advice to attain your financial goals and get profitable returns.</p><p>If you are a beginner, then it is quite obvious that you may be having no information about the process of buying the right shares in the market. In such a situation, getting the right tips from an experienced financial advisor or a registered advisory company will truly prove to be a great blessing in disguise. However, there are some of the important things that have to be kept in mind while choosing the top stock market advisory company, which are as follows:</p><p>How much assistance do you actually require?</p><p>Before you make up your mind to hire an advisor, it is imperative that you must first decide about the kind of service you require from them. You may need their help at the beginning or during the time of any issues. This is because an advisor has to formulate a map according to your requirements. Hence, it is suggested to ascertain your needs first and then take further action.</p><p>Choose a top ranked advisory company</p><p>It is a very important point that has to be taken into the consideration. Availing services of the well known advisory company or a financial advisor is an absolute necessity. Make it a point to carry out a proper background or research work about the company. Check out their credentials, reputation, experience, etc before hiring them.</p><p>Asking for a sample financial plan initially makes sense</p><p>When hiring a financial advisor, then do not forget to ask for sample plan first. It is imperative to note that there is no such thing called the perfect plan. A sample plan will help you to determine whether an advisory company is actually making sense according your requirements or not.</p><p>Conclusion</p><p>The financial planners or advisory companies can really turn out to be the greatest asset for you if you choose the best one. They are just like the professional sailors who can help you out to sail through stock investment related problems quite efficiently.</p><p>Deepak is a financial advisor who likes to provide quality tips to the people facing any issues with regard to investing in the stock market. He likes to keep himself updated about the stock market by reading articles, news and blogs, etc.</p>]]></content:encoded> <wfw:commentRss>https://ksethms.info/are-you-choosing-the-right-stock-market-advisory-company,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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