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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>drtuums.info</title> <atom:link href="http://drtuums.info/feed" rel="self" type="application/rss+xml" /> <link>https://drtuums.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 01:31:55 +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>3 Top Reasons to Perform Pre Employment Screening</title> <link>https://drtuums.info/3-top-reasons-to-perform-pre-employment-screening,html</link> <comments>https://drtuums.info/3-top-reasons-to-perform-pre-employment-screening,html#comments</comments> <pubDate>Mon, 17 Apr 2023 21:45:41 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Employment & Work]]></category> <guid isPermaLink="false">http://drtuums.info/?p=71</guid> <description><![CDATA[Employers and organizations, from the small businesses to the corporate giants, knows the benefits of hiring the best people and providing a safe, secure and healthy workplace, both physically and financially, for their employees, customers, shareholders, and the community in which they operate.It’s important to know about the people before hiring. A new prospective employee [...]]]></description> <content:encoded><![CDATA[<p> Employers and organizations, from the small businesses to the corporate giants, knows the benefits of hiring the best people and providing a safe, secure and healthy workplace, both physically and financially, for their employees, customers, shareholders, and the community in which they operate.It’s important to know about the people before hiring. A new prospective employee is an important responsibility for any organization. An employer who has comprehensively performed a thorough pre employment screening on candidates is able to bring into the organization a highly capable person who will prove to be a tremendous asset in the future.Regrettably, some organizations don’t take pre employment screening as a mandatory chunk of hiring process, and in result they runs with the risk of exposing their organization to someone who could ultimately become the organization’s greatest danger.There are three basic reasons which elaborate that “why the pre employment screening process is extremely essential for an employer”.1. To make the best hiring decision<br />2. Providing the safe working environment<br />3. Elimination of legal risks and liabilitiesTo Make the Best Hiring Decision, Employment Pre Screening is a Must! It has been said that some applicants will only tell you what you want to hear. Most of the transgressions found in the forged resumes are basically in three categories: Education, Job titles, and dates of employment. By thoroughly verifying information given by an applicant, a company can improve the chances of hiring an individual who has portrayed his or her background, experience, and skills honestly and accurately. Using pre employment screening to verify an applicant’s history helps employers make decisions based upon facts.Providing the Safe Working Environment Is a Primary Goal of an EmployerAcquiring and maintaining the safe working place for the employees is the dream of any employer or any organization. It’s obligatory for the employer to maintain work premises which is free of violence, fraud, theft, sexual and other types of harassment.The financial cost from these problems can be enormous. Additionally, there are other costs that are hard to measure, such as the harm to employee morale or the reputation of the organization. So it’s essential to run a pre employment background check to deter the criminals entering your heaven organization.Legal Risks and Liabilities Are Extremely HarmfulLegal risks and liabilities is the threatening factor which is directly interconnected with the above two reasons of pre employment screening. The employers are responsible for the safety of employees, customers and anyone who enters the workplace. So its usual that there a risks and liabilities in hiring a wrong employee which can not only results into a trouble for the company but also for the business of the company. So to avoid such losses and risks, every employer must perform an effective pre employment background screening assessment to define the integrity and repute of a company.ConclusionThe pre-employment background screening process can assist an employer in the hiring of qualified applicants, while simultaneously reducing turnover, deterring fraud, and avoiding litigation. As the job applicants vary widely in their knowledge, skills, abilities, interests, work styles, and other personal characteristics so these differences systematically affect the way people perform or behave on the job. Comprehensive pre employment screening process is able to collect accurate information on job-relevant characteristics that are not often recognized by simply observing the applicant. And most importantly these pre employment background checks can help in minimizing the chances of potential legal vulnerabilities. Thus the information helps assess the fit or match between people and jobs and has proven to have a significant return on investment for employers. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://drtuums.info/3-top-reasons-to-perform-pre-employment-screening,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Creation of Digital Surroundings: Web Design</title> <link>https://drtuums.info/the-creation-of-digital-surroundings-web-design,html</link> <comments>https://drtuums.info/the-creation-of-digital-surroundings-web-design,html#comments</comments> <pubDate>Sat, 01 Apr 2023 18:35:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Web Design]]></category> <guid isPermaLink="false">http://drtuums.info/?p=69</guid> <description><![CDATA[Understanding the intricacies of web design while planning and designing websites requires a sound knowledge about how to interpret a client’s expectations and needs and present them to the general public or a targeted clientele in a compelling manner. Fortuitously developing a web site is not an easy task that just any designer can do. [...]]]></description> <content:encoded><![CDATA[<p> Understanding the intricacies of web design while planning and designing websites requires a sound knowledge about how to interpret a client’s expectations and needs and present them to the general public or a targeted clientele in a compelling manner. Fortuitously developing a web site is not an easy task that just any designer can do. It normally requires a working knowledge of the many various aspects that make up web design. Consequently, the execution of constructing websites from the bottom up may actually include a team who has experience in the various areas of design and Internet technologies. Such a team may consist of web designers, copywriters, web programmers, branding experts, SEO, and experts in marketing and branding.A crucial part is needless to say graphic design. Top quality graphic design involves both design principles relating to page layouts such as contrast, balance, and space, and design elements such as illustrations, images, photographs, fonts, and color. In addition, graphic designers must be informed of such Internet design options as Flash animation, shopping cart solutions, and other minor design elements such as link buttons that the IT web developers will eventually need. The imaginative person who is charged with designing the website should ultimately be the one who plans for these other elements rather than rely upon the developer for their placement on the internet site. Information Architecture or website architecture is one area where a designer can develop elements for the assets used in creating the important navigation schemes for a site’s software. The site’s important links that appear as either icons or buttons in the header or footer of each and every page such as: Customer Support, Contact Us, About Us, Privacy Policy, Terms of Use, Feedback, Site Map, Press Room, etc. or search boxes are a part of a website’s “Information Architecture.” The creator who plans ahead for the subtlest nuances in web site design can have an incredible impact on the quality of the final product. Well considered web design will result in easy to use, friendly experience that is not only pleasing to use but also pleasing to view, and has an emotional connection with the target audience while advertising the branding message. Constructing the front-end aspect of a web page or site is a combination of the visual aspects plus the content development. The “front-end” is what a visitor sees when they check out a website. Most definitely, exceptional looking websites are the result of effective design choices. Clients want a site that is engaging and is easily navigable with understandable, relevant information for their viewers.In addition, to the visual presentation, you will discover other technical aspects of a website’s formation that are key components to the overall design considerations. Having a web design workforce that includes not only the visual graphic artists, copywriters and marketing specialists, but also the IT developers allow for the easy combination of the back-end databases and other technical tools with the visual aspects and content is is the best option. Broad knowledge in programming languages such as HTML, CSS, XHTML, and DHTML is a given for developers, together with an understanding of what makes a compliant site. The relevance of having an SEO (search engine optimization) specialist look over the site as it is being constructed cannot be overlooked. Sophisticated clients have intricate specifications and high expectations. The use of Python, PHP, Java,.NET, Cold Fusion, FLEX, as well as involving social media into a website entails always staying ahead of the curve in Internet technology. Given that effective web site design requires intricate and complex techniques to maintain communication with web visitors, it is important to work with a professional team who can provide world-class results. </p>]]></content:encoded> <wfw:commentRss>https://drtuums.info/the-creation-of-digital-surroundings-web-design,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Chapter 7 Bankruptcy and the Decision to File</title> <link>https://drtuums.info/chapter-7-bankruptcy-and-the-decision-to-file,html</link> <comments>https://drtuums.info/chapter-7-bankruptcy-and-the-decision-to-file,html#comments</comments> <pubDate>Sat, 01 Apr 2023 07:38:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Bankruptcy]]></category> <guid isPermaLink="false">http://drtuums.info/?p=67</guid> <description><![CDATA[When you find yourself unable to pay your bills and unable to get through a meal at home or a television show without a phone call from a collection agent, it’s time to take serious action. You may have thought about bankruptcy, perhaps you’ve done some research on the internet. But you have a reason [...]]]></description> <content:encoded><![CDATA[<p> When you find yourself unable to pay your bills and unable to get through a meal at home or a television show without a phone call from a collection agent, it’s time to take serious action. You may have thought about bankruptcy, perhaps you’ve done some research on the internet. But you have a reason to stop short of picking up the phone and calling a bankruptcy attorney to take that first step.Just what is that first step?The first step is easier than you might have thought. Simply call a bankruptcy attorney (there are plenty, so it’s easy to find one close by) and set up an appointment for a consultation. Every bankruptcy attorney offers potential clients a free consultation. This is your opportunity to spend some time with a bankruptcy professional who can answer your questions and help you see more clearly what your options may be.Most of the people I’ve spoken with about this have told me that they have spoken with friends, relative, their mechanic, plumber, and 3rd cousin about bankruptcy. Unless their friends, relatives, and third cousins are also practicing bankruptcy attorneys, it would be a fair assumption that the information they impart is far from accurate.After many years of working with people in all areas of the debt relief industry, I’ve come to understand a few of the many reasons that people postpone contacting the one resource that can actually provide useful information. What I’ve discovered above all, is that a great number of people don’t make that first call to a bankruptcy attorney because they think if they could afford to file bankruptcy, they wouldn’t have a problem in the first place. Where would this kind of assumption come from? I think it might have come from a friend, relative, or third cousin.Most bankruptcy attorneys who are experienced in consumer law and consumer bankruptcy understand the financial dilemma that their clients are facing. Therefore, they will almost always work with clients on a payment basis. Filing bankruptcy is not like getting a driver’s license. The simplest of bankruptcies is an extremely complex process with a massive amount of paperwork that must be generated.Your bankruptcy attorney, whether you are filing a chapter 7 bankruptcy or chapter 13 bankruptcy, will be able to start working on your case with a reasonable down-payment for the total retainer. When you meet with your bankruptcy lawyer for your free consultation, once they have established the fee for the bankruptcy filing let the attorney know that you will have to satisfy their retainer in payments. Be clear about how much you can afford and how long it will take you to pay the full amount. Be realistic about this; don’t expect to stretch payments out over an extended period of time. A chapter 7 bankruptcy can take three to four months to complete, a chapter 13 bankruptcy can take considerably longer.If the bankruptcy attorney is unable to accommodate you, assuming that your payment schedule proposal is reasonable, find another attorney. There is no point is trying to haggle with an attorney about his or her fee. The quality of a bankruptcy attorney cannot be measured by the amount of their retainer. It’s rare that any two attorneys would charge the same amount for filing bankruptcy. The attorney’s fee is not nearly as important as how you “feel” about working with a particular attorney. Your bankruptcy attorney will be working with you, and perhaps your spouse, in an area of your life that you hold very closely. It only makes sense that your bankruptcy attorney is someone that you are completely comfortable with and able to trust with your most critical personal financial information.If you’re waiting to find out just how much a bankruptcy filing will cost, I’m afraid that I will have to disappoint you. That’s a topic for another article; however, very few if any attorneys will discuss their fee for bankruptcy over the phone. There are many good reasons for that, most importantly, no two bankruptcy cases are the same. The fact is that asking an attorney how much his retainer will be prior to the bankruptcy attorney having an opportunity to review all the particulars of your case, is much the same as telling your doctor that your arm hurts and then asking the doctor what he or she will have to do to make it stop hurting.The point is that if you insist on not scheduling a meeting with a bankruptcy attorney until you find one that will commit to a “price” is not going to help you get relief from the creditors and collectors that will continue to harass you. If you wait too long, you will likely find yourself in court with any one of your creditors.If you are struggling with debt, and the situation gets more out of hand with passing time, you owe it to yourself to find out if bankruptcy is the right choice. Most people who have filed bankruptcy will tell you that they wish they would have done it sooner. </p>]]></content:encoded> <wfw:commentRss>https://drtuums.info/chapter-7-bankruptcy-and-the-decision-to-file,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Is The Difference Between Investment Management and Stockbrokers?</title> <link>https://drtuums.info/what-is-the-difference-between-investment-management-and-stockbrokers,html</link> <comments>https://drtuums.info/what-is-the-difference-between-investment-management-and-stockbrokers,html#comments</comments> <pubDate>Fri, 31 Mar 2023 21:29:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Management]]></category> <guid isPermaLink="false">http://drtuums.info/?p=65</guid> <description><![CDATA[The investment services industry can be daunting and ambiguous for individuals who seek a return on their capital. After working hard earning your wealth, it is important to understand the different services offered by professionals and what solutions fit you personally. One of the main questions we get asked here is:”What is the difference between [...]]]></description> <content:encoded><![CDATA[<p> The investment services industry can be daunting and ambiguous for individuals who seek a return on their capital. After working hard earning your wealth, it is important to understand the different services offered by professionals and what solutions fit you personally. One of the main questions we get asked here is:”What is the difference between investment management and stockbrokers?”Firstly, let’s discuss what stockbrokers are – we all have a much better, clearer, idea of what they do and who they represent. Stockbrokers are regulated firms that offer financial advice to their clients. A stockbroker buys and sells equities and other securities like bonds, CFDs, Futures and Options on behalf of their clients in return for a fee or commission. A brokerage / stockbroker will receive a fee on each transaction, whether the idea is profitable or not.A brokerage can specialise in any investment niche they wish for example:<br />FTSE All-Share stocks,<br />AIM stocks,<br />European Stocks,<br />Asian Stocks,<br />US Stocks<br />Combinations of the above<br />Straight equities,<br />Straight derivative trading (CFDs, Futures & Options)<br />The main reason why investors choose stockbrokers over any other professional investment service is simply down to control. Due to the nature of a brokerage firm, they can only execute a trade after you instruct them to do so. This means it is impossible for a brokerage to keep buying and selling securities without you knowing – known as churning for commission. This doesn’t however prevent stockbrokers providing you with several new ideas a week and switching your positions to a new idea.However, there are natural flaws with the brokerage industry is that because trading ideas can only be executed after being instructed to list a few flaws;-<br />you may miss out of good opportunities due to moves in the market,<br />you may get in a couple of days later because you were busy and not make any money after fees,<br />you may receive a call to close a position but unable to without your say so.<br />The above are examples that can happen when investing with brokerage firms, but this is due to the reliance of gaining authorisation from their clients. So if you are ultra busy or travel a lot then you could potentially miss out on opportunities to buy or sell.What are investment managers?Now we understand what stockbrokers / brokerage firms are about, let’s discuss what investment management services can do for individuals.Investment management firms run differently to brokerages. The core aspect to these services is that the professional investment managers use their discretion to make investment decisions. As a client of an investment management firm you will go through a rigorous client on boarding process (just like a brokerage firm) to understand your investment goals, understanding of the services being used, risk profile, angering to the investment mandate and allowing the service to manage your equity portfolio. The sign up with the service may seem long winded but it’s in your best interest to ensure the service is suitable and appropriate for you. In reality, it’s not a long winded process at all. Once you agree to the services offered then you will only be updated on the on-going account data and portfolio reporting in a timely manner. This means no phone calls to disrupt your day-to-day activities and allows the professionals to focus on your portfolio.Investment management firms usually have specific portfolios with a track record, into which you can invest your capital according to you appetite for risk. These portfolios will focus on specific securities, economies, risk and type of investing (income, capital growth or balanced). All of this would be discussed prior or during the application process.Another method used by investment management firms is different strategies implemented by their portfolio managers. These strategies are systematic and go through thorough analysis before investment decisions are made.The fees usually associated with investment management firms can vary from each firm. There are three common types of fees and are usually combined, fees can be;-<br />Assets Under Management Fee – This is where you pay a percentage of the portfolio per year to the firm, usually an annual fee. E.g) 1% AUM Fee on £1,000,000 is £10,000 per year.<br />Transaction Fee – This is a fee associated with each transaction made through your portfolio – similar to the brokerage firm’s commission.<br />Percentage of Profits Fee – This is where any closed profits generated over a set time will be charged to the firm. E.g) 10% PoP Fee – the firm generates you closed profit of £10,000 in one quarter – you will be charged £1,000.<br />The main benefits provided from investment management firms is that after the service understands your needs and tailors the service around you, it is their job to build a portfolio around you. It is also the job of the investment management firm to adhere to the investment mandate you agreed on, we’ll take about this later, so you understand of the time frame given what you should expect. Another bonus why high-net worth individuals choose investment management services is because they are not hassled by phone calls every other day with a new investment idea.The difference… The main difference between investment management and stockbroking firms is:<br />Investment Managers offers discretionary services; no regular phone calls about stock ideas.<br />Stockbrokers give you more control as you can personally filter out ideas you think won’t work.<br />Investment Managers offer an investment mandate; this is where the investment management service provides a document of what they are offering you in return of managing your portfolio. You will understand what exactly they are targeting over the year, based on what risk, and should they achieve it – then they have fulfilled their service. E.g) the mandate could state that the strategies used and based on 8% volatility (risk), they seek to achieve 14% capital return.<br />Stockbrokers do not offer an future agreements but look to deliver growth during the time you are with them. They are not bound by their performances like investment managers.<br />Investment management firms have a track record for all of the strategies and services used, stockbrokers do not.<br />Which to choose?Both services provide professional approaches to investing in the stock markets. Stockbrokers are chosen over investment managers by people who like to be in control and receive financial advice. Stockbrokers generally do not have a systematic approach to the markets but use selective top-down approaches to select stocks.Investment managers are chosen by investors who want an agreement on their performances over the year and understand the risk up-front. Usually more sophisticated investors that wish to take advantage of the track-record and gain an understanding of the systematic approach used by the investment management firm.Feel free to learn more.DISCLAIMER: The above is not considered financial advice or any endorsement to use any particular service. If you wish to use any of the services mentioned, please seek independent advice.RISK WARNING: Spread betting, CFD, futures and options trading carries a high level of risk to your capital and can result in losses that exceed your initial deposit. They may not be suitable for everyone, so please ensure that you fully understand the risks involved. Past performance of a managed service is not a guide to future performance. </p>]]></content:encoded> <wfw:commentRss>https://drtuums.info/what-is-the-difference-between-investment-management-and-stockbrokers,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Top 5 Spas and Health Retreats</title> <link>https://drtuums.info/top-5-spas-and-health-retreats,html</link> <comments>https://drtuums.info/top-5-spas-and-health-retreats,html#comments</comments> <pubDate>Fri, 31 Mar 2023 19:09:09 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Spa and Wellness]]></category> <guid isPermaLink="false">http://drtuums.info/?p=63</guid> <description><![CDATA[If you like the idea of spending some time relaxing at a top spa or health retreat, why not go all out and really indulge your senses. To help you choose which one to visit, here is a list of what we believe are five of the top spas and health retreats in the world.1. [...]]]></description> <content:encoded><![CDATA[<p> If you like the idea of spending some time relaxing at a top spa or health retreat, why not go all out and really indulge your senses. To help you choose which one to visit, here is a list of what we believe are five of the top spas and health retreats in the world.1. California Health and Longevity Institute, California, United States:This is the ultimate in opulence! The California Health and Longevity Institute offers a wide range of holistic therapies, combining ancient Asian wisdom with Western awareness. This is a world-class facility where your personal Life Advisor will help you to devise a plan for your life, health and rejuvenation. Complete with numerous experts on hand including a health chef, this venue has an amazing 40,000-square-foot spa where you can be pampered to your heart’s content.2. Chiva-Som International Health Resort, Hua Hin, Thailand:The Chiva-Som International Health Resort is a stunning resort that is perfect for a luxury Thailand holiday. This sanctuary offers a variety of spa treatments along with physiotherapy, iridology, live blood analysis and electro-dermal screening. They also provide US qualified doctors, nurses and naturopaths enabling visitors who feel like a total rejuvenation to have specialist treatments such as botox injections and laser resurfacing. While in Thailand, make sure you rejuvenate your soul too by exploring some of the mystical ancient temples or meditating with monks.3. Lausanne Palace and Spa, Lausanne, Switzerland:This exquisite resort is sure to leave you spellbound! Imagine spending a week or two of total bliss in this spectacular palace, with breathtaking 360o panoramic views of the Swiss Alps and Lake Geneva. There are various refreshing treatments available here, from wellness, fitness, beauty – even an Aveda hair spa. To complement these treatments, the Yogi booster programme offers nutritional advice to help you create total health balance.Enjoy an aromatic massage and rejuvenating facial treatment before venturing into the nearby town to explore the city and enjoy some well-deserved shopping. Make sure you add the Lausanne Palace and Spa to your luxurious travel itinerary.4. The Grove, Hertfordshire, United Kingdom:This prestigious escape is sure to impress even the most discerning traveller. An extraordinary estate, The Grove leaves most five star resorts way behind. Just a short drive from London, this Cosmopolitan Country Estate is located upon 300 stunning acres. The services offered at the award winning The Grove include state of the art leisure and sporting facilities such as an 18 hole championship golf course and a world class health and fitness centre. For your total pampering, spa treatments incorporate a delicate blend of aromatherapy, hydrotherapy and Ayurvedic philosophy. This is an ideal retreat that is adored by men and women from all over the world.5. Sheraton Mirage Resort and Spa, Gold Coast, Australia:For the ultimate in 5 star resorts you can’t beat the Sheraton Mirage Resort and Spa on the gloriously sun-drenched Gold Coast. This oasis retreat is nestled amongst 37 lush, tropical acres alongside azure waters and golden beaches – just the right atmosphere to begin your relaxing vacation. This resort boasts a spectacular 2.5 acres lagoon – as well as smaller lagoons hidden throughout the resort – a variety of elegant suites or villas to choose from and several award winning restaurants and bars. For your pampering, the resort’s Golden Door Spa and Health Club provides an array of sumptuous treatments. Once you are feeling re-energised and refreshed, you can enjoy an invigorating workout in the gymnasium, a game of tennis, swim in the lap pool or just put your feet up in the relaxation lounge. If you are planning a wedding, the Sheraton Mirage Resort and Spa would be the perfect place to spend a luxury honeymoon.There is no doubt that we all need some time out now and then, and what better way to refresh than by spending time at one of these exclusive health retreats? If you can’t decide which one to go to, perhaps you can take an extended vacation and visit them all! </p>]]></content:encoded> <wfw:commentRss>https://drtuums.info/top-5-spas-and-health-retreats,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Part II: The Mind-Body-Faith Phenomenon: The Physiology of Optimism, Hope and Prayer</title> <link>https://drtuums.info/part-ii-the-mind-body-faith-phenomenon-the-physiology-of-optimism-hope-and-prayer,html</link> <comments>https://drtuums.info/part-ii-the-mind-body-faith-phenomenon-the-physiology-of-optimism-hope-and-prayer,html#comments</comments> <pubDate>Fri, 31 Mar 2023 17:23:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Mind Body Spirit]]></category> <guid isPermaLink="false">http://drtuums.info/?p=61</guid> <description><![CDATA[When striving to make positive health and attitudinal changes, it is important to remember that ones’ physical health, mental health, and spiritual health may depend on putting aside negativity and opting for a more positive lifestyle. This is not to say that all illnesses are controlled by the mind; they are not. But as an [...]]]></description> <content:encoded><![CDATA[<p> When striving to make positive health and attitudinal changes, it is important to remember that ones’ physical health, mental health, and spiritual health may depend on putting aside negativity and opting for a more positive lifestyle. This is not to say that all illnesses are controlled by the mind; they are not. But as an RN, I am hard-pressed to find a single medical condition that is not affected in some way by stress beyond the appendix. With that said, when the mind is worry-free and fear-free, as is the case when one prays, it is subsequently possible to adopt a more optimistic, hope-filled perspective, as endorphins are released into the body and travel across the brain and body to promote mind-body healing.We have all heard the saying, “It’s all in your head.” Well, that is a very harsh thing to say to anyone, let alone someone who is not feeling well. However, when we recognize the mind as the ‘head of the mind-body connection,’ it pulls a lot of weight, as it challenges us at times to change our thinking, and adjust our attitude for maximal wellness in body, mind and spirit.Like a self-fulfilling prophecy, a glum, negative outlook will likely reap poor results-socially, emotionally, mentally, and physically–especially in terms of general health and wellness. If you suffer from insomnia and say aloud you know you won’t sleep that night, you probably won’t. If you are given a new medication and are convinced it won’t work, the same is true as you may be allowing negativity to enter the situation. Positive thinking is central to realizing positive health outcomes. What we think and say matters, as they both affect our belief system, and the ability to heal.On the other hand, positive thinking is necessary for optimal health and wellness in body, mind and spirit. With a positive attitude, you are able to look ahead with hope and certainty. A positive outlook, fueled by prayer, can allow a person to believe there is a power greater than themselves to help them at every turn, and to heal. It allows people to look forward with hopefulness rather than hopelessness and despair. This new found optimism not only opens wide the gates to improved health and quality of life, but it has, time and again, changed people’s body chemistry and promoted healing.Adopting a positive-thinking lifestyle can allow almost anyone to change their perspective and be more at peace, hence boosting their metabolism and ability to heal. To a large degree, positive thinking alters body chemistry, and decreases the amount of cortisol in the body, effectively promoting maximal health in mind, body and spirit, hence the Mind-Body-Spirit Phenomenon, thus enhancing overall health and the promotion of maximal health. </p>]]></content:encoded> <wfw:commentRss>https://drtuums.info/part-ii-the-mind-body-faith-phenomenon-the-physiology-of-optimism-hope-and-prayer,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>5 Best Ways To Make Money Online – Internet Business Ideas For Beginners</title> <link>https://drtuums.info/5-best-ways-to-make-money-online-internet-business-ideas-for-beginners,html</link> <comments>https://drtuums.info/5-best-ways-to-make-money-online-internet-business-ideas-for-beginners,html#comments</comments> <pubDate>Sun, 26 Mar 2023 18:29:32 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Money Online]]></category> <guid isPermaLink="false">http://drtuums.info/?p=59</guid> <description><![CDATA[Are you interested in making some lump sum pocket money without moving out of the comforts of your home? Do you think it is possible to make money without joining a firm or having your own business? The answer is YES! All you need is a PC or a laptop and an Internet connection and [...]]]></description> <content:encoded><![CDATA[<p> Are you interested in making some lump sum pocket money without moving out of the comforts of your home? Do you think it is possible to make money without joining a firm or having your own business? The answer is YES! All you need is a PC or a laptop and an Internet connection and you have many easy ways to make a fast buck.Below Are My 5 Best Ways Of Making Money Online In An Effortless Way:1. Online TutoringWith many people having tight working schedules, joining a full time course has become a remote possibility. This has seen the boom of online courses that offer amazing tutoring and online classes which can fetch you that coveted degree you so desired. If you have a flair for teaching and are well versed with a particular subject, you can offer your services for online tutoring for both school going kids as well as adults. Online tutoring has become very popular and pays you handsomely if you prove your worth. There are many tutoring websites that you can enroll and make good money online.2. FreelancingFreelancing is one of the best ways to make money online. You can get many online freelancing jobs with a work from home option. Whether it is writing articles, data entry, filling forms, programming or editing, there is no dearth of freelance jobs that can help you earn some quick money. Some freelancers who are very good at their work are offered great online projects that can keep you busy for months and all you need to do is to submit your work within the stipulated period, taking care that you fulfill their requirements satisfactorily. Of course, there are chances that your work may not be liked if you do not follow their guidelines.3. Selling Goods on eBayeBay is truly a boon for online businesses and can be touted as the best way of making money online. If you have something that you think can be sold and you do not know where to sell, simply turn to eBay. You can showcase your products that need to be sold and auction them to the highest bidder. Trial and error methods can give you the best approach to sell your goods with a reasonably good profit margin. You need to learn the tricks of the trade and garner positive feedback for your selling at the eBay auction site. This will improve your ratings in terms of reliability and authenticity. Once people know you are a genuine party, you will get more and more online customers and you will get a steady flow of green paper by online selling.4. Online Forex TradingForex trading is trading of foreign exchange with an eye on making money. It involves buying of certain amount of currency of one country and selling it to buy currency of another country that can convert into profit. You can then reinvest the principal amount to make profits by daily monitoring of the currency value and the pips. Forex trading is fast catching up as one of the best ways to make money online. This type of trading is easy and does not require huge investments to make a profit. You can take the help of Forex agents to help you to learn the nuances of Forex trading and then do it yourself.5. Flipping Domain NamesIf you are a master of web designing and great at shaping up websites to generate more traffic, then you have an innovative way of making money online. You can buy sick and outdated domain names for dirt cheap rates, redesign them and infuse them with attractive stuff. Constant updates and some good plug-ins can convert the drab website into a lucrative one with many more visitors and clicks. The fundamental trick to be remembered is that you need to be strategic and business oriented to turn the domain name into a profitable one. If done with astute web sense, domain name flipping can be considered as one of the best ways to make money online.ConclusionMaking money online can be interesting and rewarding if you undertake it with some smart thinking and a profit making approach. Some of the best ways of making money online are cited above, here are other great ways too such as affiliate marketing, blogging, financial services and selling exclusive goods online. Before embarking on making profits online, it is advisable to make a thorough study of which option you venture to make sure that you end up with a sizeable amount of dough in your kitty. Like any other business, making money online too, requires sincerity and dedication. </p>]]></content:encoded> <wfw:commentRss>https://drtuums.info/5-best-ways-to-make-money-online-internet-business-ideas-for-beginners,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Fear on Wall Street Lets Dow Plunge More Than 600 Points</title> <link>https://drtuums.info/fear-on-wall-street-lets-dow-plunge-more-than-600-points,html</link> <comments>https://drtuums.info/fear-on-wall-street-lets-dow-plunge-more-than-600-points,html#comments</comments> <pubDate>Sun, 26 Mar 2023 16:17:36 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[auto finance]]></category> <category><![CDATA[capital]]></category> <guid isPermaLink="false">http://drtuums.info/?p=57</guid> <description><![CDATA[No matter where you look today, money are problems. Investors do not want to invest due to risk of volatility and sellers are everywhere. Fear is still spreading on Wall Street and seems like it is not going away any time soon. Just today, major credit ratings agency said it was considering cutting its rating [...]]]></description> <content:encoded><![CDATA[<p> No matter where you look today, money are problems. Investors do not want to invest due to risk of volatility and sellers are everywhere. Fear is still spreading on Wall Street and seems like it is not going away any time soon. Just today, major credit ratings agency said it was considering cutting its rating on General Motors Corp. Sell off came after S&P Ratings Services put GM and its finance affiliate GMAC LLC under review to see if its rating should be cut.Just few weeks back GM received 25 billion bailout from government as GM was headed for bankruptcy. GM posted $15.5 billion net loss and announced plans to cut cost by $10 billion. J.D. Power and Associates and Global Insight lower auto sector expectations for 2008 and predict a slow recovery.Government has responded again with news of buying stakes in banks. With this Treasury will able to inject capital directly to each bank in exchange for a stake in a bank. Under $700 billion plan Treasury Department would get common or preferred shares from the bank.With this injection directly to banks would allow banks to loan money and open up and unfreeze their credit lines as well. The rescue plan of $700 billion allows the Treasury to put cash directly into banks, however; there was not much news lately about this. On the other hand this would allow banks to earn interest when banks recover.Treasury Department is able to negotiate both deals, buy out all bad mortgages as well as inject direct capital into banks. Even if Treasury injects small percentage into US banks, it will most likely have positive effect on the market. But there is no guarantee that even if banks receive injected capital if they will lend again.If new capital is given to the banks in most cases government guarantees the debt the bank has. So banks can pay-off existing debt-holders. This will not make new loans if banks have too much debt.Treasury has to make a new stipulation in a plan that all new injected capital will be only used to make new loans, not to allow banks payoff existing debt so small and mid-sized companies can continue operations and keeps economy going by buying products/services, hiring people and most important borrowing capital from banks.A wave of fear is still in stock market and bad credit market let’s investors sell rather than buy. Even Fed stepped in and lowered its key interest rate to help unfreeze credit markets. With lowered rate cut, this supposed to be a boost to investors; however, market responded opposite way. For homeowners that mean HELOC, ARM loans would be lower. If you receive interest rate reduction on your credit cards make sure you do not carry too big balance, otherwise; your low interest rate may change to higher. Keep your credit limit under 30% of your limit.In Iceland, government took over all three major banks as it continues to get worse. New emergency powers were enacted to allow government to create a new bank that will take over domestic operations of another one of its collapsed banks. The decision should allow economy in Iceland to return to its normal operations.Most investors were considering if the plan of injecting capital directly to banks will work, and if so what the effect will have on economy. </p>]]></content:encoded> <wfw:commentRss>https://drtuums.info/fear-on-wall-street-lets-dow-plunge-more-than-600-points,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Travel and the Economy in 2008</title> <link>https://drtuums.info/travel-and-the-economy-in-2008,html</link> <comments>https://drtuums.info/travel-and-the-economy-in-2008,html#comments</comments> <pubDate>Thu, 02 Feb 2023 06:46:54 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://drtuums.info/?p=54</guid> <description><![CDATA[In 2007, the real estate market shifted to favor homebuyers. Gas prices went up and the value of the U.S. dollar fell, but the number of American travelers planning a vacation in 2008 has stayed strong.According to an article: Travel Trends: What’s Hot in 2008 by Beth Harpaz in the December 17, 2007 issue of [...]]]></description> <content:encoded><![CDATA[<p> In 2007, the real estate market shifted to favor homebuyers. Gas prices went up and the value of the U.S. dollar fell, but the number of American travelers planning a vacation in 2008 has stayed strong.According to an article: Travel Trends: What’s Hot in 2008 by Beth Harpaz in the December 17, 2007 issue of USA Today “the Conference Board’s most recent consumer survey found 45.8 percent of Americans intend to take a vacation within six months.”Authorities throughout the travel industry seem to believe travelers in 2008 want to be practical, yet still enjoy amenities that make vacationing simpler and more relaxing.”In 2008, experts say, Americans may take shorter trips or choose destinations closer to home where their dollar goes further,” Harpaz continued.Family Comes First: Family Travel on the RiseIn our fast-paced American culture, two income households, sixty-hour work weeks, fast food and cell phones have become the norm – all to make life more convenient. However, the modern conveniences of our daily lives now seem to require a lot of attention and personal energy. In response to the stress modern life has developed over the last century, Americans are now returning to their roots. The importance of time with family and a healthy quality of life is moving up on the priority list.Luxury travel industry expert Karen Weiner Escalera and her Florida-based travel marketing firm, KWE Group, firmly believe that family travel is on the rise for 2008. In one of Escalera’s most recent articles on the Travel Industry Wire, Top Ten Luxury Travel and Lifestyle Trends for 2008, the number two trend is “Relationships with family and friends take center stage.” According to Escalera, “Accelerating since 9/11 and fueled by a backlash against a contemporary world dominated by 24/7-work schedules and dehumanizing technology, family travel is growing at a faster rate than all other sectors of leisure travel.”A recent survey of American Express travel agents also revealed a significant rise in luxury travel among families – 82 percent wanted high-end hotels with kids’ programs and 56 percent were traveling with nannies.”Parents, grandparents and friends are looking to travel as a way to reunite, and to celebrate life’s landmark events. Business trips with the whole family will become as common as tag-along spouses, while high-end business hotels and resorts will roll out the red carpets for families with special suites and villas,” Escalera added.Concierge Condo Rentals and Timeshares versus Second Home PurchasesThe modern traveler believes that there is no reason why the comforts of home cannot be available while on vacation. Vacation planning is greatly enhanced when you consider concierge condo rentals or timeshare options. Many families especially appreciate the opportunity to save time and money when cooking in a private kitchen or receiving tourist information and discounts from a personal travel concierge. These kinds of amenities allow travelers to spend more time relaxing and less time organizing, mapping and making decisions about travel plans. A timeshare can offer the benefits of owning a second home for vacations, without the headaches of year-round maintenance and cost.Recently, Howard C. Nusbaum, President of the American Resort Development Association (ARDA) recounted his experience at the Travel Industry Association (TIA) Marketing Outlook Forum, an annual conference of travel and tourism professionals that highlights future industry trends. He describes how Peter Yesawich, Ph.D., CEO of Yesawich, Pepperdine, Brown and Russell, explained during the forum that the most recent Travel Monitor study completed by his company detailed large numbers of travelers interested in condominiums instead of traditional hotels.The Travel monitor study also showed an increasing number of travelers interested in vacation ownership products such as private residence clubs and timeshares. The impressive data from his (Yesawich) survey furthered the buzz that timeshares were no longer a niche product, but rather a staple of today’s diverse travel industry.In 2008, vacation ownership specialty products will provide stiff competition for second home sellers as traveling individuals, groups, and families opt for practical comfort and luxury while on vacation. </p>]]></content:encoded> <wfw:commentRss>https://drtuums.info/travel-and-the-economy-in-2008,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Payday Loans: Essential and Vital Hints</title> <link>https://drtuums.info/payday-loans-essential-and-vital-hints,html</link> <comments>https://drtuums.info/payday-loans-essential-and-vital-hints,html#comments</comments> <pubDate>Wed, 01 Feb 2023 20:05:57 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://drtuums.info/?p=52</guid> <description><![CDATA[Payday loans are small loans advanced by lenders within short period of time and are provided with short time application. These are available to one and all. In case we urgently require for a cash, there are a lot of payday loan lenders available in the market that will provide us money with minimum paper [...]]]></description> <content:encoded><![CDATA[<p> Payday loans are small loans advanced by lenders within short period of time and are provided with short time application. These are available to one and all. In case we urgently require for a cash, there are a lot of payday loan lenders available in the market that will provide us money with minimum paper works.The loan approval is simple. It only requires us to give elementary information. If we are employed for more than six months, the loan process becomes simpler.Payday loans act as a helping hand during our unexpected and unforeseen financial crisis. Basically, unexpected financial crisis may really affect financial balancing. Though, there are certain limitations, getting a payday loan will eventually become essential and necessary to manage and handle the situation.Moreover, having adequate knowledge as far as payday loans are concerned is integral for the instant and quick processing of the loan.Below are the essential and vital hints to help one and all about the details of payday loans.First, payday loans are short-term loans which have to be paid back usually when the day for the next payday comes. These loans do not require any collateral security or a good credit report.Secondly, the primary eligibility requirement for these loans is that, a borrower must be at least 18 years old and must have a checking account. Must be employed for more than six months.Third, be aware that most of the payday companies brag that they are not requiring any credentials or documents for the loan approval; however, they will give the amount only after strict scrutiny. In addition, most of them have somehow similar terms and rates, thus, we borrowers must have intensive research in identifying the most convenient payday loan deal.Fourth, payday companies have made the loan processing very simple and easy. If all the information we have provided in the application are satisfactory, the greater chance of obtaining the loan and meet the urgency of needs in an instant is achieve.Fifth, in the application, the necessary information includes address, contact numbers, payment details, bank name, active bank account number and check number. These things if provided well, shall definitely help us in moving the loan processing to become fast.Sixth hint, Though satisfactory information were provided in the application process, we should still be ready with additional things such as pay slips, social security card and blank checks. These are for some of the companies that require the credentials to be faxed to them. This is if in case we meet such company.Seventh thing is, The fact that these loans are short-term loans, before applying for these, we should make sure that we can repay the amount we ought to borrow on the next payday.Eight, By the procedure called roll over, if we cannot repay the amount completely on its due date, we can still manage the loan. We should try the roll over thus we can think about the possibility of it. Another thing is the loan extension which is also become very applicable for loan borrower.Second from the last hint is, Our goal in obtaining a payday loan aside from the fact that we need the loan for emergency is to build a good reputation with the lenders or in other words build a good track record of loan transaction. This is to help us initially in increasing our maximum limit of loan amount base on our track record.Finally, everybody should be aware of the extremely high interest rates charged by payday lenders. Payday loans are only advisable to be obtained if this would be the last option to prefer.May this article have made all of us aware of what payday loans are and later enjoy the hassle payday deal. </p>]]></content:encoded> <wfw:commentRss>https://drtuums.info/payday-loans-essential-and-vital-hints,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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