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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>twxcems.info</title> <atom:link href="http://twxcems.info/feed" rel="self" type="application/rss+xml" /> <link>https://twxcems.info</link> <description></description> <lastBuildDate>Tue, 22 Aug 2023 10:05:07 +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 Choose the Best Video Editing Software</title> <link>https://twxcems.info/how-to-choose-the-best-video-editing-software,html</link> <comments>https://twxcems.info/how-to-choose-the-best-video-editing-software,html#comments</comments> <pubDate>Thu, 20 Apr 2023 19:12:20 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cinematic video]]></category> <category><![CDATA[facebook video]]></category> <category><![CDATA[funny video]]></category> <category><![CDATA[graphs]]></category> <category><![CDATA[how to get video clients]]></category> <category><![CDATA[life as a video editor]]></category> <category><![CDATA[lucu video]]></category> <category><![CDATA[paid video jobs]]></category> <category><![CDATA[proposal video]]></category> <category><![CDATA[travel video]]></category> <category><![CDATA[travel video tips]]></category> <category><![CDATA[video]]></category> <category><![CDATA[video editing job]]></category> <category><![CDATA[video editing jobs]]></category> <category><![CDATA[video editor]]></category> <category><![CDATA[video editor life]]></category> <category><![CDATA[video lighting]]></category> <category><![CDATA[video maker]]></category> <category><![CDATA[video production]]></category> <category><![CDATA[video skills]]></category> <category><![CDATA[video tips]]></category> <guid isPermaLink="false">http://twxcems.info/?p=49</guid> <description><![CDATA[If you’re just starting out in digital video, or even if you’re a season videographer, you may be confused by the vast range of video editing products in the market today. Some software packages cost $500 or more while others are below $100. How do you decide which package to choose? That’s the aim of [...]]]></description> <content:encoded><![CDATA[<p> If you’re just starting out in digital video, or even if you’re a season videographer, you may be confused by the vast range of video editing products in the market today. Some software packages cost $500 or more while others are below $100. How do you decide which package to choose? That’s the aim of this article – it’ll help you understand what factors to consider when choosing that video editing package and how to get the best deal.1. Your BudgetFirst and foremost on my list of factors to consider when purchasing a video editing package – your budget. If you’re a beginner, I recommend you go for cheaper software like Roxio VideoWave or Pinnacle Studio Plus. I know many people swear by the powerful editing suites like Adobe Premiere Pro, but for the average user, it is complete overkill. The cheaper packages save you money and will fulfill most of your video editing needs. You can always upgrade to better software when you’re more experienced.2. Video File Import and ExportSecond factor I’d always consider is the ability to import and export various formats of video files. If you want to import Quicktime movie files or RealMedia video and edit them, check the package to ensure you can import those video formats. Same thing for exporting video files – if you want your finished product to be a Windows Media file, ensure the package supports that feature.3. Special EffectsThird point – the special effects included in the video editing software. Cheaper software like Roxio VideoWave or Ulead VideoStudio will have more ‘stock’ special effects that do not allow customization. Packages like Adobe Premiere will allow you more flexibility in special effects. This factor is important if you foresee yourself playing with screen transitions and tilting a lot.4. Bundled Software (Audio/Music/DVD)Another point is to see what bundled software comes with the video editing package. Very often, you’ll have things like VCD/DVD authoring packages thrown in (e.g. Ulead DVD MovieFactory). Some products bundle in music creation packages like Sony Acid Pro. These products can be really good deals as the bundled software can cost hundreds of dollars if sold separately.5. Recommended SoftwareOK, now let’s see what are the video editing products I recommend based on the type of user you are – beginner, intermediate and professional.</p><p>For the Beginner – For those starting out in video editing, my best recommendation is … Roxio VideoWave. This is an excellent package built around an automated approach to video movie creation. VideoWave will help you save hours of video editing time and easily turn your home videos into movies on DVD or CD.</p><p>For the Intermediate Level User – If you’re more experienced in video editing, a good choice will be Ulead VideoStudio. This package is twice the price of Roxio VideoWave – but the additional money is well spent. One of the best mid-range video editing programs, Video Studio provides features that will suit both beginners and intermediate videographers.</p><p>For the Advanced User – If you’re a professional video editor, you will most likely have used Adobe Premiere. This product is the industry standard for video editing. Lots of features, plug-ins as well as excellent product support. I strongly recommend this for advanced users who want to tweak and customize their videos to their heart’s content.<br />ConclusionAll in all, there is a huge range of video editing software in the market. My basic advice is to start simple. Go buy a product like Roxio VideoWave and try out its features. Learn the ins and outs, get comfortable with the software. Once you progress and learn more about video editing in general, you can then consider upgrading to better products like A or even B. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://twxcems.info/how-to-choose-the-best-video-editing-software,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Does the SEO Firm You Hired Really Know SEO?</title> <link>https://twxcems.info/does-the-seo-firm-you-hired-really-know-seo,html</link> <comments>https://twxcems.info/does-the-seo-firm-you-hired-really-know-seo,html#comments</comments> <pubDate>Thu, 30 Mar 2023 12:44:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://twxcems.info/?p=47</guid> <description><![CDATA[Congratulations! You just hired an SEO firm to climb up the SERPs and enjoy a tsunami of targeted visitors to your site. However, before finally sending in the money against the invoice, stop and think!Are you really sure that the firm you hired the SEO packages from really knows their game? Or did this question [...]]]></description> <content:encoded><![CDATA[<p> Congratulations! You just hired an SEO firm to climb up the SERPs and enjoy a tsunami of targeted visitors to your site. However, before finally sending in the money against the invoice, stop and think!Are you really sure that the firm you hired the SEO packages from really knows their game? Or did this question itself kicked off warning bells inside your head? For if it did, we have the right 5 pointers to help you know which is the ideal SEO company and which is not!1. Meta Tags: Check for the Meta Tags on the pages. Meta tags can be a great warning sign for any potential client to check out the authenticity and the efficacy of a SEO firm. The more potent and targeted Meta Tags for a SEO firm is, the more you can trust on the people who will be working for you.2. SEO Content: Don’t fall for tall claims from SEO agencies that they have the best copywriting hands on deck. Check their content as a sample. Shabby, grammatically incorrect, academically written blocks of texts etc that has been passed off as SEO copy can be another sign that this is not the firm you had been looking for, irrespective of how affordable the packages can be.3. 301 Re-direct: 301 Re-direct has to be executed right by any and every SEO company. The one that doesn’t do it (a re-direct to the www version of the site whenever the “www” has not been typed into the URL) is not worthy of your investment, money or time!4. Range of Services or SEO Packages: The extent of the SEO company’s acumen is also a fair indicator of the company’s ability to deliver on the promises it makes. So if you find a SEO firm that looks decent and offers almost all of the branches in an SEO package deal (viral marketing, Organic SEO, PPC, content development, Blogging etc) – you should know that you have struck gold!5. The SEO Firm’s Own Rankings: ‘People living in glass houses can mirror the world best.’ So you know, the more SEO-competitive and well-established an SEO agency is, the better it will be in handling your SEO assignments through its customized SEO packages. So the next you are on the lookout for the best SEO packages, turn the tables on the SEO firm. Ask for a targeted keyword, Google it, and let the consequent rankings influence your decision.See, it’s easy to identify the best from the rest. All you need is some basic SEO knowledge – and as a layman, understand of the way SEO packages are structured and customized. And oh yes, you need to have the aforementioned points in mind too!With these tips in your arsenal, the possibility of being fleeced by amateur SEO firms is as bleak as Steve Jobs going bankrupt! On a serious note, if you have been a hawk-eye as far as selecting SEO packages are concerned, you will have safe passage to the top of SERPs in no time! </p>]]></content:encoded> <wfw:commentRss>https://twxcems.info/does-the-seo-firm-you-hired-really-know-seo,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>3 Ways That CIOs Can Reduce Their Software Costs</title> <link>https://twxcems.info/3-ways-that-cios-can-reduce-their-software-costs,html</link> <comments>https://twxcems.info/3-ways-that-cios-can-reduce-their-software-costs,html#comments</comments> <pubDate>Wed, 29 Mar 2023 18:09:05 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://twxcems.info/?p=45</guid> <description><![CDATA[As CIO one of your most important jobs is to manage the budget of the IT department. This means that despite the importance of information technology, you need to always be looking for ways to make your limited IT dollars go farther. One of your biggest expenses is always going to the cost of all [...]]]></description> <content:encoded><![CDATA[<p> As CIO one of your most important jobs is to manage the budget of the IT department. This means that despite the importance of information technology, you need to always be looking for ways to make your limited IT dollars go farther. One of your biggest expenses is always going to the cost of all of that software that the company is currently using to accomplish its work. That’s why taking the time to find ways to reduce the company’s software costs will always pay off for the person with the CIO job.It’s Time For Some Asset ManagementIf your company is like most companies, you use a lot of different types of software. This means that you have a significant organizational and tracking challenge just to keep track of what you should be paying for. This has to be your first step in getting software costs under control.Studies of how companies make use of their software have revealed that up to 30% or even more of the software that they have purchased is either still sitting in a box or is underdeployed. What this means for you is that there is a very good chance that you are paying maintenance costs for software that the company is not even using.Taking the time to create an effective asset management program may not seem to be as exciting as implementing a new cloud computing strategy. However, the benefits from taking this step will be immediate. Creating a system that allows you to track what you are using today and helps you to stay on top of what additional software you’ll be using tomorrow is the key to keeping your software maintenance costs in check.Manage Your Software VendorsThe relationship that you have with your software vendors is not a one-way relationship. Yes, they do make a valuable product that you purchase in order to allow your company to run its business; however, the software vendor needs you just as much as you need them. This provides you with the opportunity to look for ways to manage this relationship.What you are going to want to do is to hold your software vendors responsible for the promises that they have made about what their software will be able to do (and when it will be able to do it). There needs to be a system of assessments and penalties in place to cover the times where promises are made and are not kept.With that being said, when you choose to use a piece of software from a given vendor, you are actually entering into a partnership with that vendor. You need them to succeed and to continue to support their software just as much as they need to retain you as a paying customer. Creating and maintaining this relationship is a key part of being CIO.Always Be Looking For AlternativesIn order to keep your company’s software costs under control, you always need to be keeping your eyes open for alternatives. Almost every software product out there has competition – another company is making another software product that does the same or least a similar task. As the CIO, it’s your job to always be aware of what your options are.One of the most important aspects of looking for alternatives is to make sure that your current software vendors know that you are looking. The goal here is to always be reminding them that their position as one of your software vendors is not a sure thing – things could change. If they are aware that you are looking for ways that they could be replaced, then they’ll be much more attentiative to trying to keep you as a happy and satisfied customer.Your much larger question will be what to do if you do find an alternative to the software that the company is using. I would suggest that you start to do a trial and have a single team use the software and report back to you. Sometimes things are not all that they appear to be – and sometimes they are even better! This type of trial will also help to keep your current software vendors highly aware that they need to be taking care of your needs in order to remain vendors.What All Of This Means For YouThe bad news is that your IT budget is not going to be growing as fast as your software expenses are. That means that you need to sit down and start looking for ways to reign in what the company is spending on software. The good news is that there are a number of ways to successfully do this.You can’t control your software costs until you know how much software and what types of software the company is currently using. Taking the time to set up an effective asset management system is the first step for the person in the CIO position. The cost of your software is controlled by your software vendors and so you’ll need to manage that relationship. Make sure that they understand that you’ll hold them accountable for the software that they provide you with. Finally, just because you are using one software package today does not mean that you’ll need to keep using it. Make sure that you are always exploring your alternatives.Software is a key component in making your company successful. It’s also a major expense that the IT department needs to manage. As CIO the responsibility for doing this falls on your shoulders. Take the time to set up the systems and processes to make this happen and you will have solved one of a CIO’s biggest challenges. </p>]]></content:encoded> <wfw:commentRss>https://twxcems.info/3-ways-that-cios-can-reduce-their-software-costs,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Number 1 Skill New Traders Must Master to Be Successful in E-Mini Trading</title> <link>https://twxcems.info/the-number-1-skill-new-traders-must-master-to-be-successful-in-e-mini-trading,html</link> <comments>https://twxcems.info/the-number-1-skill-new-traders-must-master-to-be-successful-in-e-mini-trading,html#comments</comments> <pubDate>Wed, 29 Mar 2023 16:28:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://twxcems.info/?p=42</guid> <description><![CDATA[From the onset, let me admit that e-mini trading requires a broad and varied skill set; therefore, identifying a single attribute that is the prime contributor for success in trading paints a wide swath. Having watched a large sample of traders my trading career, I think there is a single variable that plays a major [...]]]></description> <content:encoded><![CDATA[<p> From the onset, let me admit that e-mini trading requires a broad and varied skill set; therefore, identifying a single attribute that is the prime contributor for success in trading paints a wide swath. Having watched a large sample of traders my trading career, I think there is a single variable that plays a major role in determining the new e-mini traders level of success: Emotions.Let me assure you that this will not be another in a long list of articles that tells you that you have to learn to trade without emotion. As human beings, we are prone to be emotional in stressful situations, or at the very least, we have emotional thinking and impulses that may or may not play a role in our trade decision process. But trade without emotions?It is my belief that emotions are a natural part of our thinking and blocking out emotions and impulses is a ridiculous suggestion, at best.On the other hand, we don’t want to make decisions on emotional impulses; yet we still have to make trading decisions (even with these troublesome emotional thoughts bouncing about our cranium.)Some situations that create potentially dangerous emotional trading related trading issues, such as:- You, as an e-mini trader, are having a period of successive losing trades. You would like to get your account back to breakeven for the day.- You are having a day where the trades you have chosen have been particularly successful, and you become convinced you are on a ” hot streak.” You may be tempted to trade more contracts or increase your normal risk level based on your “hot streak.”- The market is trading in a very narrow range and none of your normal set-ups are prevalent. Instead of sitting on your hands, you consider trying to “manufacture” a trade with the existing substandard price action.- You start your trading day after a heated argument with your wife. The argument left you feeling angry and resentful. You are agitated and getting ready for a day of trading in what is shaping up to be a volatile trading day.These are just four possible dangerous situations that have nothing to do with how well you can execute a trade; how competent you may be at recognizing profitable set-ups. No, your technical skill set will not be challenged during potentially difficult emotional or psychological times.Where does that leave us in the emotions vs. competent trading dilemma?There is one particular book I would recommend, “Trading in the Zone,” by Mark Douglas. For me, emotions and trading were a real problem. Like most traders, I am competitive and don’t like losing. Let me make one important point: When you are having a tough day trading, the Hail Mary pass is a bad idea. In other words, don’t alter the way you trade in order to get back to a reasonable loss/gain total for the day. You cannot attempt a Hail Mary pass in the trading world, as low probability trades (when you are already losing money for the day) can turn a bad day into a disastrous day.For me, I never could learn to trade without emotions, and I seriously doubt many traders can block out their emotions when trading. It’s exciting. Or depressing…For me the problem was one of how to handle the emotions I experienced, not block them out and try to trade like a robot. I had to learn that when I was frustrated, or angry, or aggravated, or euphoric those emotions could have no bearing on my trading decisions. It’s okay to have emotions (I don’t think you have a choice), but acting on those emotions, or not acting on those emotions, is the skill I had to overcome. I think one of the toughest aspects of this particular skill is admitting that emotions have played a role in your trading decision making process. Of course, once you have made this realization you must come up with an action plan to correct your problem. Some possible solutions may be:- Work on a trading simulator and identifying specific situations when emotions have been a detriment. For example, start the day -$1000 and execute your normal trading plan without becoming obsessed with getting back to even.- Any trade you are considering taking on an impulse, or a “gut-feeling,” should be a no-go. Unless you can justify yourself with sound, non-emotional rationale; the trade should be a no go.- Ultimately, this emotions/trading dilemma has to do with executing your trading plan and methodology regardless of what happened on the previous trade, what happened yesterday, what is being reported on the news, the economy. It is just you, your chart, and your skill set.I am quick to point out that a great deal has been written about this topic, though most e-mini traders I associate with are loathe to discuss their emotions. Is it a man thing? A pride problem? An ego issue? For whatever reason, emotions have always been and will continue to be a problem when trading. Are they an issue in your trading? Do you take trades on a whim?Gut feeling decisions, impulsive decisions, common sense, revenge trades, and a slew of other emotion-related e-mini trading issues are your enemy, and in my experience some individuals have a difficult time with structured trading. In all the above cases, it is normal to have those feelings, but to take a trade you have to the criteria for your trading system in place and agreeing on a potential trade.In summary, we have talked about the potential pitfalls and the realization that emotional issues can have a profound effect on your trading results. Stick to your plan, and anytime you are sure you know what the market is going to do, shut the computer off, your emotions have taken control. </p>]]></content:encoded> <wfw:commentRss>https://twxcems.info/the-number-1-skill-new-traders-must-master-to-be-successful-in-e-mini-trading,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Search Results</title> <link>https://twxcems.info/search-results,html</link> <comments>https://twxcems.info/search-results,html#comments</comments> <pubDate>Wed, 22 Feb 2023 06:27:57 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Insurance]]></category> <guid isPermaLink="false">http://twxcems.info/?p=40</guid> <description><![CDATA[IntroductionInsurance solutions for businesses operating in the Marine Leisure Sector have been slow to evolve compared to other sectors. Until relatively recently, a boatyard owner could find him/herself having to source a suite of insurance products to cover buildings, contents, financial risks, vessels, pontoons and indemnity against a range of legal liabilities. Whilst the first [...]]]></description> <content:encoded><![CDATA[<p> IntroductionInsurance solutions for businesses operating in the Marine Leisure Sector have been slow to evolve compared to other sectors. Until relatively recently, a boatyard owner could find him/herself having to source a suite of insurance products to cover buildings, contents, financial risks, vessels, pontoons and indemnity against a range of legal liabilities. Whilst the first Marine Traders “Combined” policy that provided cover for all these risks appeared in the late 1990s, the market did not rush to embrace the new paradigm. Some significant providers of insurance in this Sector did not release a “Combined” solution until as late as 2007 and others still only offer stand-alone covers.Advantages of Combined Insurance PoliciesThere are numerous advantages to business owners of having a single insurance policy that combines cover in respect of the majority of their needs. First and foremost it streamlines administrative processes by reducing documentation considerably, thus saving business owners time and money. It also ensures the owner has a single renewal date to deal with. Probably the main benefit to businesses is the potential premium savings that can be made through this type of system: the more cover that can be placed on a single policy gives the provider more scope to reduce the overall insurance premium.Marine Trades Insurance ProvidersCombined Insurance policies for marine-related businesses are now available from a number of specialist providers. Whilst the majority of these providers will deal direct with the public, some will deal only through insurance brokers. An insurance provider that sells direct to the public will only offer their own product. Dealing directly with insurers not only restricts you in terms of available insurance options, it also means you have to invest valuable time in shopping around providers for competitive quotations. An independent specialist Marine Trades Insurance broker can potentially save you and your business time and money by conducting a full broking exercise across the market on your behalf.Specialist brokers can also assist in arranging bespoke cover as opposed to a standard “off-the-peg” solution. This can give your business vital benefits where standard policy exclusions are amended or removed, widening the overall scope of protection. You may also benefit in the event of a claim:</p><p>Where a business buys direct from an insurer, in the event of a claim the owner is left to negotiate a settlement from the insurer. This can put the business at a disadvantage where there is a dispute over liability or settlement. Using an independent specialist broker to arrange cover provides the business owner with an experienced advocate in the event of suffering a claim. The broker is bound to act in the best interests of the client at all times and a specialist broker can often assist in instances where claims have initially been repudiated.<br />Structure of Marine Combined Insurance PoliciesBefore outlining the structure of a policy it is necessary to stress the importance of ensuring that the correct limits of indemnity form the basis of your insurance cover. It is tempting for businesses seeking to reduce their costs to deliberately underinsure their businesses. This can potentially prove catastrophic in the event of a loss, as an insurer will almost certainly invoke the principle of “Average” when underinsurance is discovered.</p><p>The Principle of Average: In the event of underinsurance any claim settlement will be based on the ratio of the sum insured to actual value. For example, where a business has insured stock worth £100,000 for only £50,000, the business has underinsured by 50%. In the event of a loss of £25,000, the insurer will apply average and only pay a settlement of £12,500.<br />The example above underlines the importance for businesses to establish the correct basis of cover with their provider and then negotiate a competitive premium. An independent specialist broker with access to a number of alternative markets will help you obtain the right solution at the best available premium.Marine Trades Combined Insurance policies generally follow the same model, with the odd exception as to where a particular item may appear. For example, some policies will include pontoons in the Material Damage Section whilst others may bracket them in the Marine Section. Outlined below is a typical policy structure:</p><p>Material Damage: This Section will cover all property other than vessels at your business premises. It is split into various sub-sections that vary from provider to provider, but the splitting of property into these sub-sections enables you to benefit from lower premium rates on the lower risk items to be covered. Typically, a Material Damage Section will be divided as follows:</p><p>Buildings (with or without subsidence cover)</p><p>Marine Installations (pontoons, slipways, wet/dry docks etc)</p><p>Computers and Associated Equipment (at the business’ premises)</p><p>Machinery and Equipment (at the business’ premises)</p><p>General Stock (at the business’ premises)</p><p>Valuable & Attractive Stock (at the business’ premises)</p><p>All Other Contents (at the business’ premises)</p><p>Glass: Some insurers will include Glass within the cover for Buildings. However, most Marine Trade insurers will not cover Glass unless specifically requested and will also levy an additional premium. Cover will be provided for external and internal glass with additional extensions available for items such as glass signage and sanitary ware.</p><p>All Risks Cover: Must be obtained for businesses wishing to insure items they remove from the business’ premises such as:</p><p>Tools & Machinery</p><p>Laptop Computers, Mobile ‘Phones etc</p><p>Trailers (thease can also be covered under the Marine Section)</p><p>Frozen Food: Covers loss or damage to fuel resulting from change in temperature in fridges or freezers resulting from breakdown or interruption to power supply.</p><p>Goods in Transit: Protects against loss of goods whilst in transit or whilst temporarily stored in the course of transit. Business owners need to beware of the variation in scope of cover from policy to policy and of the plethora of exclusions that each insurer applies to cover.</p><p>The premium for Goods in Transit insurance is based on a combination of the total sum insured per vehicle, the number of vehicles used and the estimated total annual carryings of the business.</p><p>This Section can also be extended to insure postal sendings and carriage by third parties.</p><p>Goods in Transit cover for vessels is excluded on many policies unless specifically mentioned. However, it is possible to include insurance for vessels whilst in transit by endorsing the Marine Section of the policy. Organising a policy in this way can save a business money if vessels are the only items to be insured whilst in transit.</p><p>Exhibitions: Covers exhibits, stands and other materials at exhibitions.</p><p>Whilst insurers include this Section within their policies, a business could reduce costs by having the Marine Section of their policy endorsed to cover vessels at exhibitions rather than pay their insurers an additional premium for the same benefit.</p><p>Business Interruption: Covers the loss of Gross Profit and/or the Additional Cost of Working in the event of the trading activities of a business being interrupted by an insured peril, such as fire or flood. Extensions can be purchased to cover losses arising from perils such as:</p><p>Breach of Canal</p><p>Damage in the vicinity of Premises or to Contract or Exhibition Sites</p><p>Denial of Access to the vicinity of Premises</p><p>Damage to Moulds, Patterns, Jigs, Dies, Tools, Plans, Designs, etc</p><p>Loss or Damage to Property stored in locations other than own premises</p><p>Loss or Damage to Property in Transit</p><p>Damage to Premises of Suppliers or Customers</p><p>Loss of Utilities</p><p>Disease & Illness</p><p>Just as it is essential to insure property on the correct basis to avoid insurers applying “Average” in the event of a claim, it is vital to ensure the correct level of Gross Profit is used to determine Business Interruption cover.</p><p>The definition of Gross Profit in insurance terminology differs from that of accountancy. A business should always check with its provider as to the exact terms of their Business Interruption policy but the procedure below provides a general system that should fit most insurers’ methodology:</p><p>Obtain the income statement for the last full operating month and locate the net profit amount.Employers Liability Tracing Office</p><p>Review each individual expense line item on the income statement to identify costs of operation that are not directly related to production, also referred to as “standing charges.” For example, office rent is due whether the business is in operation or not, and the price does not fluctuate based on production, whereas some worker salaries (such as casual, seasonal labour) would cease when trading is interrupted.Employers Liability Tracing Office</p><p>Add each standing expense identified in Step 2 to the net profit obtained in Step 1 to obtain gross profit, or the company’s loss from lack of operations.</p><p>Money: Provides insurance for cash, cheques etc whilst on premises, in transit or in bank night safes. Some policies will also provide extensions for money in directors’ homes and at exhibition or contract sites. Policies will usually provide a Personal Accident extension that offers nominal sums in the event of Death or Disability arising from assault during attempted robbery or theft.</p><p>Defective Title of Vessels: Reimburses the purchase price of a vessel bought or sold by a business in the event of the true owner of the vessel reclaiming it (or its value). It will also provide indemnity where a business has a valid claim brought against it as a result of being unable to provide good title for the vessel.</p><p>Employers Liability: It is a statutory requirement for all businesses to carry Employers Liability Insurance where they employ people be it on a paid or voluntary basis. It indemnifies the business in respect of its liabilities arising from death, injury or illness to its employees</p><p>Premium is based on the total annual wages of the business. Each occupation within a business’ workforce will attract its own premium rating based on the perceived hazards associated with that particular occupation. A rigger, for example, will attract a higher premium rating than an employee engaged in light yard work.</p><p>You should ensure you accurately declare your annual wageroll to insurers. Deliberately under-declaring could be construed as failing to disclose a material fact and may result in a claim being repudiated.</p><p>Labour only sub-contractors should be treated as Employees as far as insurance is concerned. Generally they work under the direction of the Insured and do not provide their own materials or tools (with the exception of small hand tools). Cover would therefore be arranged for such individuals by the hiring business under the Employers Liability Section of their policy.</p><p>There is a requirement that businesses must confirm their Employers Reference Number (ERN) or as it is commonly known Employers PAYE Reference to the insurer covering the Employers Liability which is recorded centrally with the Employers Liability Tracing Office (ELTO). This is to ensure that the correct insurer can be identified where claims are submitted by an individual, which can be years after their employment has ceased. It is not unusual, for example, for certain diseases or conditions such as respiratory disease, industrial deafness or repetitive strain injury to take many years to manifest.</p><p>The ERN is the unique reference which attaches to a business and does not change which means that it will identify the correct employer and then the insurer for any given time period from 2011 onwards.</p><p>Public Liability: Indemnifies your legal liabilities to third parties arising from your business activities that result in death or injury to any person or loss of or damage to property. The insurance only attaches to those activities disclosed to your insurer and noted on your schedule so it is essential that a full description of all your business activities is provided.</p><p>Premium is based on the estimated annual turnover of the business. Each activity will attract its own premium rating based on the perceived hazards associated with that particular activity. Paint Spraying, for example, will attract a higher premium rating than Chandlery Sales.</p><p>You should ensure you accurately declare your annual turnover. Deliberately under-declaring could be construed as failing to disclose a material fact and may result in a claim being repudiated.</p><p>Exclusions and Extensions to Public Liability Insurance vary from insurer to insurer. For example, some policies will automatically provide Yachtyard Liability Insurance as a standard extension to their Public Liability cover. Others will charge an additional premium for Yachtyard Liability.</p><p>Liability in respect of hiring-in of cranes is normally excluded on most Marine Trade policies unless specifically requested. The additional premium for this cover is based on your estimated annual hiring-in costs. Standard cover is usually £100,000 which may not be adequate to replace the crane you hire. Find out what your exposures are and get your cover topped-up if necessary.</p><p>Yachtyard Liability: Protects your liabilities in respect of moving vessels on water for reasons such as testing, demonstration and deliveries. Like most policy sections, scope of cover will vary from insurer to insurer. For example, policies will restrict your permitted range, but distance you are permitted will vary greatly.</p><p>Not all insurers provide this cover under the “Yachtyard Liability” heading. Some insurers will provide “General Liability” that will automatically encompass the Yachtyard Liability element of other policies.</p><p>Products Liability: Insures your legal liabilities in respect of the products you manufacture and/or supply.</p><p>Whether you are manufacturing or distributing (wholesale or retail), you need to make sure the products you supply are safe. Failing to meet your responsibilities can have serious consequences. You could face legal action with possible fines or even imprisonment. You could also be sued by anyone who has been injured or has suffered damage to personal property as a result of using your product.</p><p>Products Efficacy Insurance: Designed to cover the failure of an item to perform its intended function Efficacy Insurance is often excluded from the Public & Products Liability Sections of Marine Trade policies. If your business is involved in the manufacture, supply or installation of performance critical products you need to check with your insurance provider to ensure you and your business have the right scope of Liability Insurance.</p><p>Marine Risks: Non-Marine Commercial policies have virtually no insurance provision for vessels. They are specifically excluded, with the odd exception such as rowing boats. The Marine Section of a specialist Trader’s policy is divide into 3 distinct parts:</p><p>1. Vessels: This part of the Marine Section will cover all vessels not undergoing construction and includes Stock Vessels, Work Boats, your Private Craft and Charter Vessels. It can also be extended to cover other types of Marine Stock such as engines and parts.</p><p>Sums Insured for vessels are usually determined on an “Agreed Value” basis. This can be the price you paid for the vessel plus the cost of any improvements, or it can be a depreciated or written-down value.</p><p>The cruising range of your vessels will be clearly defined in this Section of your policy. You should check to ensure that you and your hirers are actually insured to sail or cruise to your intended destinations. For example, an insurer may assume that, if you are based on the Thames, you are only on the non-tidal stretch and will endorse your policy for”Inland Waterways” use only.</p><p>The are several extensions that can be purchased for this part of your policy such as:</p><p>Social use of vessels by Directors, Employees, Family Members.</p><p>Racing Risks (Sails, Masts, Spars & Rigging).</p><p>Water Skiing, Towing of Toys.</p><p>Angling and/or Diving Parties.</p><p>Personal Possessions</p><p>Exclusions in respect of vessels will vary from policy to policy. You should ask your provider to go over any exclusions with you in detail in case you require a special endorsement or extension.</p><p>2. Builders Risks: Whilst scope and definitions may differ from one insurer to another, Builders Risks insurance will usually cover your vessel at the yard or dock where it is being constructed, including the yard or premises of a subcontractor. It may also cover the vessel whilst in transit between your yard and your subcontractor’s yard. Extensions can also be obtained to cover:</p><p>Movement of the vessel on water around the dock where it is being built.</p><p>Sea Trials</p><p>Delivery voyages under own power</p><p>If the vessel in build is being towed on the water a special extension is usually required to insure this activity.</p><p>The premium for this Section is based on a combination of the maximum completion value of an in-build vessel and the maximum value of vessels in-build at any one time.</p><p>3. Marine Third Party Liability: This insurance is an extension of the Vessels Section and covers your legal liabilities in respect of your interest in or use of your vessels by your skipper and crew. The usual limit of indemnity provided is £3,000,000 but higher levels of cover can be purchased where required.<br />Policy Conditions, Exclusions and WarrantiesAs detailed above, policy conditions and exclusions will vary from insurer to insurer. Even if you are purchasing your policy by telephone you should always ask your provider to go through them with you in addition to any warranties that will have been imposed. There are significant differences between each of these:</p><p>Conditions: Policy conditions basically set out a code of conduct you’re your business and also outline duties and obligations required for cover to be in effect. If policy conditions are not met, the insurer can deny a claim specific to that condition.</p><p>Eg. A theft from a business premises is discovered and not reported to the insurer for a month. If there is a policy condition that all losses must be reported within 7 days, the insurer could refuse to pay the claim.</p><p>Exclusions: An exclusion actually removes cover from the insurance policy.</p><p>Eg. Boats are excluded from the Goods in Transit Section of a Marine Trades Policy unless an endorsement is put into effect.</p><p>Warranties: A policy warranty is an instruction by the insurer that must be carried out by the insured. For example, the business may be warranted to work on vessels worth no more than £500,000. In such a case, if the business worked on a more valuable vessel then it would be in breach of warranty.</p><p>The breach of a warranty by a business would enable an insurer to void the whole policy. In the above example, if the business owner suffered a theft of outboard engines, the insurer could void the policy on the grounds that the business had breached a warranty – even though that warranty was totally unrelated to the theft.</p><p>As you can see, warranties can potentially have a huge impact on your business. You should ensure your insurance provider goes through each warranty with you and explains what it means. Insurers can impose a warranty for just about anything – some common examples are below (the list is by no means comprehensive):</p><p>Compliance with Flammable Liquids & LPG Regulations.</p><p>No paint or GRP Spraying.</p><p>Automatic fire alarms to be tested weekly.</p><p>Fire extinguishers to be professionally inspected annually.</p><p>Fireproof doors to remain closed during working hours.</p><p>All stock to be kept at least 15cm off floor</p><p>Waste & dirty cloths to be kept in metal bins.</p><p>Waste bins to be kept outside premises out of working hours.</p><p>Intruder alarm to be set whenever premises is unoccupied.</p><p>Electrical circuits to be inspected within 30 days of policy inception.</p><p>Cash registers to be left empty & open when premises closed.</p><p>Vehicles to be fitted with immobilisers and alarms.</p><p>Premises to be inspected daily.</p><p>No artificial heating to be used on premises.</p><p>Machinery only to be running when premises is occupied.</p><p>No flammable liquids to be kept on premises.</p><p>Moorings to be lifted & inspected at least annually.</p><p>Terms of trade to incorporate BMF Terms of Business.</p><p>No work carried out on commercial vessels</p><p>Trailers to be secured with a wheelclamp whilst unattended.</p><p>Vessel not be let out for hire or reward.</p><p>Vessel will not tow or be towed</p><p>British Marine Federation (BMF) Terms of Business</p><p>Most Marine Trade policies warrant that you operate under BMF Terms of Business. You do not have to be a member of the BMF to use their terms. The essential point from an insurance aspect is that you ensure all your customers insure their own boats. This is a crucial factor that defines the mechanics of how your Public Liability insurance works and how it differs from non-Marine commercial insurance policies.</p><p>If you have a customer’s boat, outboard etc in your custody or control and it is lost or damaged due to your negligence, your legal liabilities in respect of the property are covered under the Public Liability Section of your Marine Trade policy.</p><p>This cover would not be provided on a non-Marine policy as legal liability in respect of goods in custody or control is specifically excluded. To insure these items you would have to procure specific insurance which, as leisurecraft and associated equipment are very expensive, would be financially prohibitive for a business to purchase.<br />Other Insurances for your Marine Trades Insurance ProgrammeDirectors & Officers Liability Insurance (Management Protection)Modern legislation now means company directors can now be sued as individuals in respect of their decisions and actions as directors or managers of businesses. The duties of company directors are established in law and include the following areas of responsibility:</p><p>Duty of Care: Directors are required to act with ‘the care an ordinary man would take in the same circumstances on his own behalf’ and with the skill expected from someone with his ‘particular knowledge and experience’. Where duties are delegated the Director is responsible for ensuring that the person to whom the duties are delegated is sufficiently experienced, reliable and honest.</p><p>Fiduciary Duty: Directors must act honestly, in good faith and in the best interest of the company and must ensure they do not have any conflict of interest.</p><p>Statutory Duty: Company directors are legally bound by legislation such as the Companies Act 1985, Insolvency Act 1986, Financial Services Act 1986, Environmental Protection Act 1990, Health and Safety at Work Act 1974.<br />How Can Claims Arise?Whilst public bodies such as the Health & Safety Executive can prosecute directors if they are perceived to have failed to comply with their statutory duties, claims could also arise from numerous third parties such as employees, creditors, customers or suppliers.With the number of employees injured at work increasing by over 100,000 in 2010 and lawyers able to act on a “No-Win, No-Fee” basis, directors appear to be more exposed than ever.What Are The Financial Implications of a Claim? Directors will be personally liable for meeting the cost of legal expenses as well as any damages awards, fines or penalties. This means assets such as their cars, houses, stocks and money could be lost. Companies are prohibited from indemnifying their directors in the event of their insolvency.How Can Directors & Officers Liability Insurance Help?Whilst a D&O policy will not cover any fines against directors it will cover the cost of defending a prosecution until the point when guilt is established. This could potentially save tens, if not hundreds, of thousands of pounds of an individual’s assets in legal expenses. A D&O policy can also cover awards for damages and legal expenses made against directors in civil cases.Professional Indemnity InsuranceIf you give advice, conduct surveys or inspections for a fee, your legal liabilities in respect of these activities are excluded on your Marine Trade policy. A stand-alone Professional Indemnity policy will fill the gap in your insurance cover.Tractor & “Special Types” InsuranceTractors and other special type vehicles which are road-registered are excluded from standard public liability policies, as are many unregistered vehicles, if travelling on, or crossing, public highways. This may also apply to areas where the public have access such as ports, harbours and boatyards. Types of vehicles that fit into this class are: Tractors, Cranes, Fork Lifts, Cherrypickers, Boat Lifts and other self-propelled mobile plant.Third Party insurance is compulsory and a failure to have this basic cover is considered one of the most serious offences. A substantial fine and disqualification are amongst the recommended penalties.Driving uninsured (or allowing your employees to do so) is an absolute offence which means there is no discretionary defence available, ie the vehicle is either insured or it is not. If, for any reason it is not insured, the offence is committed.Without insurance your business and your personal assets are at risk from potentially huge compensation claims being made against youComprehensive Road Risks insurance in for tractors and “Special Types” is available at very competitive rates from your specialist broker.SummaryModern businesses need modern insurance programmes. Cutting cover to cut costs is not the solution. Your 9-point step to getting the right cover for your business at the best available premium is:1. Choose an independent specialist broker.2. Ask them what they can offer you in terms of support in the event of a claim.3. Ask them to visit you to look over your business.4. Ensure you fully disclose all relevant information about your business5. Accurately assess the value of your premises & property and the levels of your turnover, payroll and gross profit.6. Request 3 quotations.7. Ensure you have all conditions, exclusions, warranties explained to you verbally – a written summary is not sufficient.8. If you think some of the exclusions or warranties are unreasonable then ask your broker to negotiate their removal.9. Finally, negotiate the best premium you can get from your appointed broker.Disclaimer: This article does not constitute specific advice or recommendation to any individual or business. Individuals and businesses should seek the advice of an appropriately authorised and regulated insurance broker or intermediary. </p>]]></content:encoded> <wfw:commentRss>https://twxcems.info/search-results,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>An Inside Look at the Importance of a Smile in Sales</title> <link>https://twxcems.info/an-inside-look-at-the-importance-of-a-smile-in-sales,html</link> <comments>https://twxcems.info/an-inside-look-at-the-importance-of-a-smile-in-sales,html#comments</comments> <pubDate>Tue, 18 Oct 2022 06:26:13 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Auctions]]></category> <category><![CDATA[Audio Streaming]]></category> <category><![CDATA[Banner Advertising]]></category> <category><![CDATA[Blogging]]></category> <category><![CDATA[Businesses Online]]></category> <category><![CDATA[E Books]]></category> <category><![CDATA[Ecommerce]]></category> <category><![CDATA[Forums]]></category> <category><![CDATA[Internet Marketing]]></category> <category><![CDATA[Link Popularity]]></category> <category><![CDATA[List Building]]></category> <category><![CDATA[Podcasting]]></category> <category><![CDATA[Publishing]]></category> <category><![CDATA[Search Engine Marketing]]></category> <category><![CDATA[SEO]]></category> <category><![CDATA[Site Promotion]]></category> <category><![CDATA[Social Media]]></category> <category><![CDATA[Social Networking]]></category> <category><![CDATA[Traffic Building]]></category> <category><![CDATA[Video Marketing]]></category> <category><![CDATA[Web Design]]></category> <category><![CDATA[Web Development]]></category> <category><![CDATA[Web Hosting]]></category> <guid isPermaLink="false">http://twxcems.info/?p=32</guid> <description><![CDATA[If you’re in sales, then you’ve probably heard all sorts of advice, from “don’t oversell” to “focus on solving problems.” However, one of the best pieces of advice that many forget is to smile! After all, your smile is one of the first features people notice about you, and it plays an essential role in [...]]]></description> <content:encoded><![CDATA[<p>If you’re in sales, then you’ve probably heard all sorts of advice, from “don’t oversell” to “focus on solving problems.” However, one of the best pieces of advice that many forget is to smile! After all, your smile is one of the first features people notice about you, and it plays an essential role in the first impression you make. Keep reading to learn all about the importance of a smile in sales (as well as how cosmetic dentistry can help!).</p><p>Smile: Your Sale Depends on It!</p><p>Knowing your product and knowing your audience are key in sales. However, you don’t get far if your client doesn’t trust you or believe you. That’s why it’s so important to make a good first impression! Here are a few ways a smile can help:</p><p>• Smiling is more powerful than you might think – One study found that smiling has the same effect on our brain as $25,000 in cash!</p><p>• Smiling communicates your state of mind – Smiling is a non-verbal cue that you are happy to be where you are, that you are confident in your product, and that you are ready and willing to help.</p><p>• Smiling creates a ripple effect of positivity – Have you ever seen a friend yawn and done the same? Or seen someone take a sip of water and immediately realized you’re thirsty? Thanks to the mirroring neurons in our brains, we naturally mimic the behavior of those around us.</p><p>But What If You Don’t Like Your Smile?</p><p>If you don’t like your smile, don’t worry – that’s where cosmetic dentistry comes in. Whether you’re struggling with misaligned, misshapen, cracked, or otherwise imperfect teeth, your smile goals aren’t out of reach. The first step? Scheduling an appointment with a skilled cosmetic dentist. For both my father and myself, providing high-quality, personalized, and judgment-free dentistry is a passion. There’s truly nothing better than seeing someone walk out of our office with a dazzling, confident smile! So, don’t wait to make your dream smile a reality – it could make all of the difference when it comes to your personal and professional life!</p>]]></content:encoded> <wfw:commentRss>https://twxcems.info/an-inside-look-at-the-importance-of-a-smile-in-sales,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Best Job In The World?</title> <link>https://twxcems.info/the-best-job-in-the-world,html</link> <comments>https://twxcems.info/the-best-job-in-the-world,html#comments</comments> <pubDate>Tue, 18 Oct 2022 06:25:21 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Adventure Travel]]></category> <category><![CDATA[Airline Travel]]></category> <category><![CDATA[Aviation Airplanes]]></category> <category><![CDATA[Budget Travel]]></category> <category><![CDATA[Camping]]></category> <category><![CDATA[Car Rentals]]></category> <category><![CDATA[Charter Jets]]></category> <category><![CDATA[Outdoors]]></category> <category><![CDATA[Sailing]]></category> <category><![CDATA[Travel and Leisure]]></category> <category><![CDATA[Travel Planning]]></category> <category><![CDATA[Vacation Homes]]></category> <category><![CDATA[Vacation Rentals]]></category> <guid isPermaLink="false">http://twxcems.info/?p=30</guid> <description><![CDATA[1999 was probably the worst year of my professional life. Unsatisfying office jobs followed by long periods of unemployment and claiming benefits. I’d also missed out on an opportunity to train as a Microsoft certified programmer because I was unable to find a placement. The dream of making my way into the world of employment [...]]]></description> <content:encoded><![CDATA[<p>1999 was probably the worst year of my professional life. Unsatisfying office jobs followed by long periods of unemployment and claiming benefits. I’d also missed out on an opportunity to train as a Microsoft certified programmer because I was unable to find a placement. The dream of making my way into the world of employment had turned into an absolute nightmare, at times I felt like a total failure.</p><p>Towards the end of 1999 an opportunity arose for me to work in a casino. I’d always loved card games after seeing the glitz and glamour of casinos in James Bond movies. Dissatisfied with life in Northern Ireland, at the age of just 20, I packed a couple of suitcases and ended up going to the Isle of Man to train as a croupier (casino dealer) in January 2000. 18 months later I was working on my first cruise ship, and 18 months after that I was boarding the QE2 (the most famous ship of them all) to do a world cruise.</p><p>For a young man from a housing estate in Antrim, Northern Ireland this was beyond even my wildest dreams. On a ferry from Belfast to Liverpool in 1997, I’d once seen a pontoon table and croupier and dreamt what it may be to work as a casino dealer on the high seas.</p><p>Everything aboard the QE2 was as you would expect, starting with Captain Ron Warwick, who looked exactly what the captain of the QE2 should look like (Google the name if you don’t believe me). Passenger facing crew were immaculate in their appearance. I could probably have shaved with the crease on my pressed tuxedo shirts, and on a number of occassions when I had been sunburnt in port, I could feel the creases cutting into my tender skin as I dealt the cards that evening in the casino.</p><p>The great thing for croupiers on cruise ships is that they only work when the ship is in international waters, in port, the casino must close, and casino staff are free to do pretty much whatever they want. Casino staff have a cabin steward who cleans their cabin and takes away their dirty laundry and brings it back fresh each day. We did a 103 day world cruise which included stops in places like Hong Kong, Sydney, Cape Town, Hawaii, Mauritius, Nagasaki, Tahiti and Singapore to name a few. I managed to do some amazing excursions like diving in the great barrier reef, quad biking in the Namibian desert, and dining in all sorts of fine restaurants, trying delicacies like Springbok, Kangaroo, Crocodile and Kobe beef. We made stops in 5 continents, crossed the equator and even experienced living a Tuesday in consequetive days when we crossed the world timeline. Imagine that, you go to bed on Tuesday night, wake up the following morning and its Tuesday again, but this was far from groundhog day.</p><p>The role in the casino was not about taking passengers’ money like in a land-based casino, it was about providing them with fun and entertainment. The passengers were friendly and pleasant, many of them being extremely successful people (I understand the lowest cabin cost for a world cruise on the QE2 was about $50,000 in 2003). A lot of the passengers had never played in a casino and were fascinated to learn and experience the one onboard. Just getting to know some of these people was an experience in itself, and a large part of the role in the casino was simply to entertain them whilst they were in the casino.</p><p>There were also celebrity passengers. We would finish work and go to the crew/members bar where we would have guest entertainers like the late Des O’Connor and the magician, the late Paul Daniels down to have a drink. God bless them both.</p><p>Was my job the best job in the world? Maybe not for everyone, but it was beyond even my wildest dreams and the 6 month experience, as well as the amazing people I met will be something I treasure forever. I was very lucky to have lived this experience and will always be incredibly grateful for it.</p><p>Many years have passed since then and I’ve always missed the buzz of casinos which is how Fun 21 Casino Hire was created in 2021. My celebrities now are anyone who hires the No Money Fun Casino that I provide for parties and celebrations, and I aim to give the same experience that you would expect onboard the QE2.</p>]]></content:encoded> <wfw:commentRss>https://twxcems.info/the-best-job-in-the-world,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Avoiding a bad home in advance</title> <link>https://twxcems.info/avoiding-a-bad-home-in-advance,html</link> <comments>https://twxcems.info/avoiding-a-bad-home-in-advance,html#comments</comments> <pubDate>Tue, 18 Oct 2022 06:24:30 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></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://twxcems.info/?p=28</guid> <description><![CDATA[Avoiding a bad home in advance. Have you ever had a client who was a buyer “in today’s market” make an offer, get the offer accepted, only to back out after a bad home inspection? Well.. in order to limit this there are some things you as a Realtor can look for while showing the [...]]]></description> <content:encoded><![CDATA[<p>Avoiding a bad home in advance.</p><p>Have you ever had a client who was a buyer “in today’s market” make an offer, get the offer accepted, only to back out after a bad home inspection? Well.. in order to limit this there are some things you as a Realtor can look for while showing the home to your client that are definitely red flags, and at least could be brought up so the client isn’t surprised by a bad report. As a home Inspector and owner of SafeHome Home Inspections (www.safetulsa.com) the easiest thing to look at for somebody who is not trained is a bad electric panel.</p><p>A “Bad” electric panel in the eyes of any home inspector means “unsafe” or less safe than other panels. It has been determined by studies, lawsuits, etc that these panels are not desirable.</p><p>Here is a list of bad panels that are very common in the Tulsa area. These panels are likely present in your local market as well, and every or nearly every home inspector will call them out in the report as in need of further evaluation for replacement: Zinsco, FPE (Federal Pacific Electric) Stab-lok, Challenger. These are the most common “bad” panels that I run into here in Tulsa.</p><p>You don’t need to do very much work to identify these panels, oftentimes they are labeled somewhere in plain sight. A word of caution though, the access door is fairly easy to open most of the time but you should never open the deadpan front cover, It’s dangerous and would require tools anyway and you might as well leave something for the inspector to do .</p><p>I could go into detail about why these electric panels are dangerous and the different studies that have been done about them over the years but why bore you with that? If you want more information you can do a quick google search on any of these brands or look up one of the main studies by Mechanical and Materials engineer Dr. Jesse Aronstein titled “Hazardous FPE circuit breakers and panels: Information for Homeowners, Inspectors, and Electricians”</p><p>While you may not have to avoid a home like this completely, letting the buyer know in advance will at least prepare them so there isn’t a shock on the report, and who knows, maybe a seller will still be willing to change out the panel “in today’s market”. If so, that’s a major win for the customer and a great value to your client.</p>]]></content:encoded> <wfw:commentRss>https://twxcems.info/avoiding-a-bad-home-in-advance,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Microsoft Excel to Power BI: Why you should migrate your data and reports.</title> <link>https://twxcems.info/microsoft-excel-to-power-bi-why-you-should-migrate-your-data-and-reports,html</link> <comments>https://twxcems.info/microsoft-excel-to-power-bi-why-you-should-migrate-your-data-and-reports,html#comments</comments> <pubDate>Tue, 18 Oct 2022 06:23:49 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Auto Loans]]></category> <category><![CDATA[Budgeting]]></category> <category><![CDATA[Commercial Loans]]></category> <category><![CDATA[Credit]]></category> <category><![CDATA[Credit Tips]]></category> <category><![CDATA[Currency]]></category> <category><![CDATA[Debt Management]]></category> <category><![CDATA[Finance]]></category> <category><![CDATA[Home Equity Loans]]></category> <category><![CDATA[Loans]]></category> <category><![CDATA[PayDay Loans]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Personal Loans]]></category> <category><![CDATA[Property]]></category> <category><![CDATA[Student Loans]]></category> <category><![CDATA[Trading]]></category> <guid isPermaLink="false">http://twxcems.info/?p=26</guid> <description><![CDATA[Microsoft Excel comes to mind when considering a suitable reporting tool for businesses. Excel has been a natural choice for years because of its data organization and analysis capacity. However, as systems change and the demands for data analytics become more complex, it has become clear that the software has some limitations, hence it is [...]]]></description> <content:encoded><![CDATA[<p>Microsoft Excel comes to mind when considering a suitable reporting tool for businesses. Excel has been a natural choice for years because of its data organization and analysis capacity. However, as systems change and the demands for data analytics become more complex, it has become clear that the software has some limitations, hence it is necessary to shift from excel to power bi.</p><p>For organisations, Microsoft’s Power BI provides robust analytics and reporting features. Power BI delivers significantly more insight than Excel thanks to faster experimentation with visualisations, statistical functions, and calculations across large datasets and the capability to derive answers instantly through the quick recombination of fields.</p><p>Listed below are a few advantages of moving from excel to power bi:</p><p>Excel to Power bi – Accessing and Storing Large Quantity of Data</p><p>Microsoft Excel can perform simple and complex arithmetic operations and functions. However, its effectiveness wanes when you have enormous amounts of data that cannot be opened. This makes it less than ideal.</p><p>You can view, analyse, and visualise the more significant data sets that Excel struggles to manage with Power BI’s impressive comprehension capabilities. Not only are these things possible, but your files can also be stored and analysed using only 50 megabytes. To import and cache your data inside a .PBIX file, Power BI makes use of robust comprehension algorithms.</p><p>Efficiency is one of the most apparent reasons why Power BI is such a valuable tool. It eliminates the need to aggregate or reduce the size of large datasets to show a more comprehensive analysis. Instead, all the most minute details and summaries can coexist in one file and be evaluated through drill-downs.</p><p>In addition to having a massive amount of storage space, you can also edit and prepare your data. Many tasks are made simple by Power BI.</p><p>Excel to Power bi – Data Protection</p><p>Any business has always placed a high priority on data security. For all kinds of organisations, big or small, the growing threats of data theft, unauthorised access, and invasion by foreign entities have become major concerns. Excel has features that safeguard your data. Excel limits access to files, sheets, or any worksheet as part of security measures.</p><p>The user can keep any document locked to prevent unauthorised personnel from accessing the data. The read-only option prevents external parties from editing or otherwise altering the document. Excel does provide security features, but they are basic and lack more sophisticated features.</p><p>In contrast, Power BI offers data protection features that are highly dependable, scalable, and responsive to current business requirements. Power BI has the industry’s best built-in security control. Role-based authentication, cloud security, risk monitoring, risk identification, and network security are a few of the security features that Power BI offers.</p><p>Compared to Excel security features, Power BI’s data security measures are unquestionably more detailed and trustworthy.</p><p>Excel and Power BI provide analytics features, but in comparison, Power BI’s presentation of the visuals and analytical results is much more thorough and appealing. Excel offers basic analytical features, whereas Power BI provides advanced, business-focused analytical features.</p><p>Although some of the more recent charts are available in Excel, they cannot connect to the data model. Excel’s portfolio does not currently include some of the newest trending charts at the application level. It only has restricted access to the data model as a result.</p><p>However, Power BI has all the features necessary to satisfy customers’ new demands interactively. With the help of Power BI, an organisation can access real-time dashboards, performance indicators, and an alert system. Using data from the past, the organisation can visualise the present and future data.</p>]]></content:encoded> <wfw:commentRss>https://twxcems.info/microsoft-excel-to-power-bi-why-you-should-migrate-your-data-and-reports,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Seven Tips For A Long And Healthy Life</title> <link>https://twxcems.info/seven-tips-for-a-long-and-healthy-life,html</link> <comments>https://twxcems.info/seven-tips-for-a-long-and-healthy-life,html#comments</comments> <pubDate>Tue, 18 Oct 2022 06:23:16 +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://twxcems.info/?p=24</guid> <description><![CDATA[However great as current clinical innovation may be, it can never save you from the issues brought about by a way of life that is unfortunate. Rather than getting a cutting edge clinical fix for each issue, it is much better to live so that you will scarcely at any point become sick. An ounce [...]]]></description> <content:encoded><![CDATA[<p>However great as current clinical innovation may be, it can never save you from the issues brought about by a way of life that is unfortunate. Rather than getting a cutting edge clinical fix for each issue, it is much better to live so that you will scarcely at any point become sick.</p><p>An ounce of counteraction is positively better compared to a pound of fix. The following are seven hints on the best way to carry on with a long and sound life. Moreover, the very way of life that assists you with staying away from disease additionally assists you with shedding pounds.</p><p>Get Sufficient Activity<br />In the past individuals needed to involve their actual bodies throughout their typical work. Be that as it may, today somebody might get up, go to work in a vehicle, then plunk down, get up to return home in the vehicle and while showing up at home, plunk down again until the end of the day. In such a daily existence there is no actual work. This actual latency is one of the fundamental explanations behind a large group of infections. Sport, running. strolling and different things should be added to our life in the event that our ordinary work doesn’t expect us to truly strive. I</p><p>Fall asleep when you feel drowsy<br />This might sound straightforward, yet many individuals keep awake until late in any event, when their body is letting them know that the time has come to rest. Yoga and Ayurvedic specialists additionally say that dozing in the evening and be dynamic during the day is better. Notwithstanding, individuals, for example, understudies will take espresso and energizers to concentrate until quite a bit later. Others foster the propensity for staying dynamic around evening time and dozing during the day. While we can do this, it in the long run negatively affects wellbeing. Elective wellbeing specialists say that this sort of unnatural living is one of the contributing variables in the causation of malignant growth and different sicknesses</p><p>Eat when you feel hungry<br />This is likewise a basic thought, yet by and by we frequently conflict with the messages of the body. Assuming you eat without much forethought or because of prevailing difficulty at specific time, in any event, when you have no genuine hunger, then you won’t process your food appropriately. Sharpness and heartburn start, and this adds to the probability of other more intricate infections flourishing. Having a craving is really an indication of good wellbeing, however in the event that you have no hunger you ought to stand by a little and, eat. (On the off chance that you have no craving even in the wake of anticipating a sensible measure of time, then, at that point, you ought to counsel a specialist since something is off-base.)</p><p>4.Fast on a Normal, Deliberate Premise</p><p>Assuming you would request that any individual work 365 days out of each year with no rest, they would whine and say that they should have some rest or probably they will separate. Be that as it may, we have never tried to get some information about our stomach related organs which we urge to work a large number of days without a rest. They can’t fight the manner in which an individual would to his chief, however they really do give us flags that they can’t work relentless. At the point when we overlook those signs regardless constrain them to work, those organs separate. For that reason intermittent fasting is fundamental. Cease from eating for one complete day. This gives a rest to your stomach related organs and furthermore helps in the disposal of squanders from your body. Standard fasting permits an individual to acquire additional time for scholarly or otherworldly pursuits. Fasting isn’t so much for loners in a cavern, however is a reasonable practice that anybody can rehearse.</p><p>Wash with cool water prior to heading to sleep<br />As referenced above, appropriate rest is fundamental for the upkeep of wellbeing. On the off chance that you wash your significant engine and tactile organs (hands, arms, eyes, legs, mouth, private parts) before rest utilizing cool water, this will loosen up you and set you up for profound rest.</p><p>Perform contemplation consistently<br />Your body is connected to your brain. Large numbers of the sicknesses of this period are psychosomatic. Stress and nervousness negatively affect our actual wellbeing. Contemplation is a psychological activity which, in addition to other things, permits you to disengage yourself from the concerns of life. Become familiar with a straightforward procedure and do it consistently.</p><p>Rise and shine early consistently<br />Yet again the old precept, “Right on time to bed, ahead of schedule to rise makes an individual solid, well off and savvy.” I couldn’t say whether it will make you rich, yet it will positively make you sound. Your body needs barely sufficient rest, not to an extreme and not excessively little.</p><p>Follow these tips and you can’t turn out badly.</p>]]></content:encoded> <wfw:commentRss>https://twxcems.info/seven-tips-for-a-long-and-healthy-life,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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