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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>agexuln.info</title> <atom:link href="http://agexuln.info/feed/" rel="self" type="application/rss+xml" /> <link>https://agexuln.info</link> <description></description> <lastBuildDate>Sun, 05 Nov 2023 22:37:39 +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 Make Your Garden the Envy of Town</title> <link>https://agexuln.info/how-to-make-your-garden-the-envy-of-town/</link> <comments>https://agexuln.info/how-to-make-your-garden-the-envy-of-town/#comments</comments> <pubDate>Fri, 19 May 2023 19:02:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Gardening]]></category> <guid isPermaLink="false">http://agexuln.info/?p=78</guid> <description><![CDATA[There is a wise saying that goes “The grass is always greener on the other side”. How true is this saying? We often fight feelings of jealously when we see at our neighbor’s garden looking prettier than ours. In order … <a href="https://agexuln.info/how-to-make-your-garden-the-envy-of-town/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<div id="article-content"><p>There is a wise saying that goes “The grass is always greener on the other side”. How true is this saying? We often fight feelings of jealously when we see at our neighbor’s garden looking prettier than ours. In order to keep up appearances, you have bought and used garden fertilizers, manures, watered your garden daily but your garden still looks the same. If this is your story, do not get discouraged because ‘where there is a will there is always a way’.</p><p>In this article, I will share with you nine cost-effective tips that will make your garden the envy of town. You garden will attract different species of butterflies, squirrels and rare birds.</p><p>The first thing is to research on gardening. You don’t need to spend a fortune buying gardening books; you can get a lot of gardening information on the internet. Use the information gathered, to prepare a tentative budget.</p><p>Secondly, cultivate your garden and uproot all the dead leaves, weeds, dandelions, moss e.t.c. If you are using a weed killer make sure it is not the strong kind because it will end up damaging the tender seedlings that you will plant in your garden.</p><p>Thirdly, once your garden is properly cultivated, plant seedlings and deposit fertilizer on them. Planting seedlings as opposed to fully grown plants is much more affordable and cost-effective. Ensure the fertilizer you purchase has nitrogen because it’s a weed killer. The fertilizer should be applied at least four times in the year. This effort will make your garden grow without interferences from pests and rodents.</p><p>Fourthly, water your seedlings daily with a hose pipe. It’s advisable to water the garden early in the morning or late in the evening. Ensure the water sprinkled is at least two inches to prevent the sun from scotching the seedlings.</p><p>Five, fence your garden with neat picket fences painted with the color of your choice. Fencing your garden will keep away unwanted animals or children running around your freshly cultivated and planted garden.</p><p>Six, continue with the routine until you see your garden taking shape. Don’t neglect cultivating your garden because weeds, dry leaves, papers will attack your garden.</p><p>Seven, fit your garden with lawn lighting and place mirrors around your garden to give the illusion of space. Fairy lights placed around your garden fence and lanterns will make your garden look spectacular especially at night.</p><p>Eight, invest in some outdoor furniture like garden tables, chairs, parasols and barbeque grills for cooking steak and sausages in the middle of a hot afternoon. Place decorative paving slabs in your garden so that your grill and garden furniture don’t rest on your freshly cultivated garden.</p><p>Lastly, gardening is all about experimentation. You can have the garden of your dreams if you are will and committed to work at it. A garden is like a baby the more you nourish and feed it with the correct essential nutrients the more it will flourish and blossom to everyone’s delight.</p></p></div><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://agexuln.info/how-to-make-your-garden-the-envy-of-town/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Child Custody – The Law and Your Rights</title> <link>https://agexuln.info/child-custody-the-law-and-your-rights/</link> <comments>https://agexuln.info/child-custody-the-law-and-your-rights/#comments</comments> <pubDate>Fri, 19 May 2023 15:42:42 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Law and Issues]]></category> <guid isPermaLink="false">http://agexuln.info/?p=75</guid> <description><![CDATA[There are few subjects as controversial as child custody. It is an issue wrought with emotions, and can be very destructive to the youngsters involved. The most effective method of dealing with child custody is for both parents to be … <a href="https://agexuln.info/child-custody-the-law-and-your-rights/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<div id="article-content"><p>There are few subjects as controversial as child custody. It is an issue wrought with emotions, and can be very destructive to the youngsters involved. The most effective method of dealing with child custody is for both parents to be aware of the legal facts, and be willing to cooperate with the court’s decisions.</p><p>In Georgia child custody cases, as with many states, it is the purpose of the court to make decisions which are in the best interest of the child, and, when necessary, ensure that the parents comply with these decisions. The more cooperative the parents are, the less traumatic child custody arrangements will be to everyone concerned– especially the youngsters.</p><p>Prior to litigation, the parent who currently has physical custody of the child is said to have temporary custody. It then becomes the place of the court to determine which type of custodial arrangement will be in the best interest of the child. The possible types of custodial arrangement include: joint custody; sole custody; and, in the instance of more than one child, the option of split custody.</p><p>There are numerous factors which the court will consider in determining the custodial arrangement that it feels will be best for the child. However, while such factors as parental fitness, location of residences, financial qualifications, and other factors are strongly taken into consideration, Georgia is one of the states in which the child’s own wishes and preferences are seriously considered.</p><p>Visitation arrangements are a part of the <a target="_new" rel="nofollow" href="http://www.persilylaw.com/divorce">Georgia Child Custody</a> decision. This, too, is intended to reflect what is best for the child. The Georgia courts have a very strong principle in visitation– in essence, that it is nearly always best for the child if he have regular contact with both parents and other family members. It is very rare that the court will deny visitation privileges to a noncustodial parent; when necessary, visitation arrangements include supervision by a third party, as well as restricted locations.</p><p>As some parents are prone to misusing custodial and visitation arrangements for trivial or vindictive purposes, the court can intervene in such cases and ensure that its decision be upheld.</p></p></div>]]></content:encoded> <wfw:commentRss>https://agexuln.info/child-custody-the-law-and-your-rights/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Real Estate Market Crash of 2008 – How Did We Get Here?</title> <link>https://agexuln.info/the-real-estate-market-crash-of-2008-how-did-we-get-here/</link> <comments>https://agexuln.info/the-real-estate-market-crash-of-2008-how-did-we-get-here/#comments</comments> <pubDate>Sat, 13 May 2023 19:50:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Real Estate]]></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> <guid isPermaLink="false">http://agexuln.info/?p=73</guid> <description><![CDATA[Before the real estate market crash of 2008, there were the prophets. They spoke of a real estate balloon that was bound to burst and take down the real estate market as well as the economy. Even with all of … <a href="https://agexuln.info/the-real-estate-market-crash-of-2008-how-did-we-get-here/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Before the real estate market crash of 2008, there were the prophets. They spoke of a real estate balloon that was bound to burst and take down the real estate market as well as the economy. Even with all of this prophesying, many were taken by surprise when the once lucrative real estate market began to crumble.So, what caused the collapse? The main culprit was the subprime lending market. When this market crashed, a large amount of companies faced foreclosure. Even the companies that did not foreclose suffered losses that amounted to billions of dollars.You may have already heard news reports about the subprime market crash. If you are like most, however, you may not know what the crash meant to individual property owners. You may even have questions regarding how we got in this situation to begin with.Over the past few years, subprime mortgages were the biggest trend in real estate lending. Buyers who were unable to qualify for conventional mortgages could obtain financing via a subprime mortgage. People who obtained these loans often had to pay high interest rates.Lenders obtained the money to pay for these mortgages from a variety of sources. Many companies secured loans at low interest rates and then loaned that money out to buyers at a higher rate. Some of the money was borrowed from central banks.While the housing market remained relatively stable, the ill consequences of these loans could not be seen clearly. In fact, the market was experiencing a surge in value that was unprecedented. This surge resulted in an unrealistic expectation of the future real estate market which in turn caused lenders to put even more money into funding mortgages that new homeowners could ill afford.In 2005 and 2006, the last real boom was occurring in the real estate market. During this time, it was extremely easy to get a loan. Lenders thought that they would be able to make money from buyers even if they did not pay for the mortgage through the high interest rates they were charging and the ever-increasing value of real estate. But when interest rates started to rise, people stopped buying homes. Additionally, homeowners started failing to make payments due to the interest rate spike.It became harder and harder for lenders to obtain funds to invest into mortgages. Buyers, now unable to qualify for a loan easily, began to stop looking for a home to purchase. Investors became wary, and underwriters started increasing the requirements to qualify for a loan. People who had adjustable rate mortgages sought desperately to decrease their skyrocketing monthly payments. But they could not qualify for a new, fixed loan under the strict guidelines. This only caused the number of foreclosures to rise dramatically resulting in the real estate market crash of 2008 </p>]]></content:encoded> <wfw:commentRss>https://agexuln.info/the-real-estate-market-crash-of-2008-how-did-we-get-here/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Has the Return On the Cash Value of Whole Life Insurance Been Really Bad?</title> <link>https://agexuln.info/has-the-return-on-the-cash-value-of-whole-life-insurance-been-really-bad/</link> <comments>https://agexuln.info/has-the-return-on-the-cash-value-of-whole-life-insurance-been-really-bad/#comments</comments> <pubDate>Sat, 13 May 2023 12:48:14 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[life insurance]]></category> <guid isPermaLink="false">http://agexuln.info/?p=71</guid> <description><![CDATA[If you watch financial television shows you have been told that the rate of return on money invested into a whole life insurance policy is awful. Many fee-based financial advisers, whose income depends on managing investors’ portfolios, agree the returns … <a href="https://agexuln.info/has-the-return-on-the-cash-value-of-whole-life-insurance-been-really-bad/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> If you watch financial television shows you have been told that the rate of return on money invested into a whole life insurance policy is awful. Many fee-based financial advisers, whose income depends on managing investors’ portfolios, agree the returns on investment in a whole life insurance contract is poor.What is this poor return compared to and is there any benefit to owning this contract?Some of the criticisms about whole life returns:1) It takes years, sometimes decades for the cash value to break even,<br />2) The commission on whole life is so high that the product can never have a good return. It is only sold by salespeople out to make money.<br />3) Whole life insurance has a lousy return compared to stocks; and investors cannot afford to earn these substandard returns – especially in their early years,<br />4) It is “too expensive.” An investor who needs coverage would be better off buying term life insurance and investing the difference.<br />5) A policy owner never has access to 100% of the cash value unless they lapse the policy.The purpose of this article is to discuss some of the objections surrounding whole life insurance and its returns.Investment advisers continually plead with their clients to “take a long-term approach” to investing. Even with that advice, many of the temptations in the investment marketplace convince the average investor to abandon their plans and chase the promise of better returns. Promises of quick returns usually end up being money-losing endeavors.Cash value policies require a commitment by the investor to “stay on course.” The break even point of a whole life policy depends on many factors like: the insurance company, the design of the policy’s premium vs. face value, and the interest rate that is credited to the policy among other things.In general, whole life policies that are designed to have the maximum face amount, or death benefit, for the premium will take longer to break even. These types of policies can take decades to break even but their purpose wouldn’t be to accumulate cash anyway, the purpose would be to acquire a larger permanent death benefit.On the other hand, a policy designed to build cash with a minimum amount of death benefit will accumulate cash faster, breaking even in less than 6 years.If investors need all of their money in less time than this while still needing the life insurance protection, they may be better of “buying term and investing the rest.”The commission earned by an agent selling the whole life policy can be as much as 100% of the first year’s premium, and this is the main reason that the policy has a low cash value in the early years. After a few years, however, policy returns accelerate making up for the loss of earnings on the front end. The policy owners who continue to hold the policy will benefit from the ones who abandon.The rate of return of whole life insurance should never be compared to that of the stock market.First, whole life has a contractual minimum rate of return on the cash value; stocks do not. In addition, insurance companies invest policy owner’s money into fixed income securities, like bonds, that historically are less volatile but have lower returns than stocks.A fair long-term return comparison for life insurance would be an index like the “Barclay’s Corporate Bond Index.” When this comparison is made, life insurance has had a superior risk adjusted rate of return over this bond index as measured by Beta and Alpha statistics.Whole life does require significantly more premium than term insurance or the same life insurance amount however term will only cover the individual for a limited period of time or “term” of the contract. If the insured person lives through the term, which of course is hoped, then the premium payments are lost. On the other hand, all of the premiums paid into whole life will be used to pay a claim some point in the future since the policy is designed to cover someone for their “whole life.”This makes term life insurance an expense and whole life insurance an asset that increases in value each year it is owned.It is true that a policy owner never has access to 100% of their money unless they surrender the policy. The product is not panacea for all financial needs. If the policy owner doesn’t want to cash in the policy, the permanent death benefit can be used to replace other money that was spent for a specific need or to provide an income.For example, the life insurance can provide a lump sum of money to replace Social Security money that a retiree doesn’t receive if they wait until age 70 to start receiving the increased income benefits.Whole life insurance is a tool that can make life much simpler and much more abundant when examined for what it can do and how to compensate for perceived shortcomings. Every financial product has “pros and cons.” Whole life insurance is no different.It is not an investment that increases (or decreases) rapidly like stocks can. Additionally, whole life is contractually guaranteed not to decrease in value due to investment losses.The rate of return for whole life insurance and the commissions earned by agents who sell it are debated topics in the financial industry. Life insurance is a long-term asset that should not be compared to the performance of stocks but instead compared to an allocation of fixed income securities. Policies can be designed to accumulate cash value faster by lowering the face amount of the insurance. </p>]]></content:encoded> <wfw:commentRss>https://agexuln.info/has-the-return-on-the-cash-value-of-whole-life-insurance-been-really-bad/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Direct Marketing Tips – Ultimate Direct Mail Marketing Guide!</title> <link>https://agexuln.info/direct-marketing-tips-ultimate-direct-mail-marketing-guide/</link> <comments>https://agexuln.info/direct-marketing-tips-ultimate-direct-mail-marketing-guide/#comments</comments> <pubDate>Tue, 09 May 2023 18:19:46 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Direct Marketing]]></category> <guid isPermaLink="false">http://agexuln.info/?p=68</guid> <description><![CDATA[Everyone seems to hate direct mail, and most companies have tried to use it without success. But with these direct marketing tips I want to transform your direct mail marketing from junk and spam to something that is really effective … <a href="https://agexuln.info/direct-marketing-tips-ultimate-direct-mail-marketing-guide/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Everyone seems to hate direct mail, and most companies have tried to use it without success. But with these direct marketing tips I want to transform your direct mail marketing from junk and spam to something that is really effective that the customer wants to receive.Let’s look that this is 3 phases…PHASE 1 – Think about your mailing list.Is the data very old and are you confident that the source of the data is reliable?I can’t tell you how important having a good list is. It does not matter if you already own it or are going to buy one you need to make sure that it’s up to date.PHASE 2 – Targeting.No set of direct marketing tips would be complete without talking about the idea of targeting.Always keep one thing in mind:”If you want to sell a ton of burgers, all you need is a hungry crowd” – Gary Halbert.You should target the factors below:* The persons age* Location* Lifestyle* Schooling* Likes and dislikes* Buying behavior.PHASE 3 – Market research.You need to find out how the market think and the pain they are feeling which you can help to solve.Luckily this is much easier today with online forums focused on each market niche.PHASE 4 – Your marketing message.You should make your message clear, persuasive and easy to understand. Don’t try and fill your direct mail with a load of information and products because you will just end up confusing your customers and will not get any sales.Have one goal for each piece and do everything you can to achieve that goal.Final thoughts.Direct mail can be a great tool for your business if you go about it in the right way.If you just follow these tips an 8.0% conversion rate is not uncommon.Good luck.For more ideas, tips and articles click here. </p>]]></content:encoded> <wfw:commentRss>https://agexuln.info/direct-marketing-tips-ultimate-direct-mail-marketing-guide/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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