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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>elfcems.info</title> <atom:link href="http://elfcems.info/feed" rel="self" type="application/rss+xml" /> <link>https://elfcems.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 01:43:17 +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>Healthcare Stock Investing – Pros and Cons</title> <link>https://elfcems.info/healthcare-stock-investing-pros-and-cons,html</link> <comments>https://elfcems.info/healthcare-stock-investing-pros-and-cons,html#comments</comments> <pubDate>Mon, 17 Apr 2023 22:04:18 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Healthcare]]></category> <guid isPermaLink="false">http://elfcems.info/?p=63</guid> <description><![CDATA[There are plenty of things both in favor of and against investing in healthcare stocks. Well before doing it, it’s going to be immensely important to make sure you know and understand these advantages and disadvantages. Stock investing in the healthcare sector is associated with both benefits and drawbacks that you need to know about. [...]]]></description> <content:encoded><![CDATA[<p> There are plenty of things both in favor of and against investing in healthcare stocks. Well before doing it, it’s going to be immensely important to make sure you know and understand these advantages and disadvantages. Stock investing in the healthcare sector is associated with both benefits and drawbacks that you need to know about. This article explains them. You’ll have to comprehend these to be able to make the ideal decision for you.Benefits: Reasons In Favor Of investing in healthcare stocks1. Healthcare stocks are consistent performers.The performance of healthcare stocks is relatively consistent compared with many other market sectors.2. Steady demand for healthcare products.Another good reason for stock investing in the healthcare sector is that no matter what the economy is there is always a need for healthcare and medical products.. This provides the additional advantage of avoiding the extreme ups and downs seen in other categories of stocks which are much more susceptible to being affected by the general economy, that could defend against making the mistake of losing a huge percentage of your investment all at once if a recessions occurs..3. Investment in healthcare helps medical research.After that there is the advantage of funneling capital into healthcare research and development.. It is crucial because doing so will help all of us and our children as we age, and perhaps ultimately help fund efforts which find cures for major diseases like cancer and heart disease.. If you take that into mind, then it makes sense to consider investing in stocks in the healthcare sector.But that’s the pros of healthcare investing. There’s a negative side as well. Here’s a discussion of some of the drawbacks.Drawbacks: Factors Against Investing in Healthcare Stocks1. Making the right picks may require more scientific knowledge than you have.Any time you are picking from medical device or pharmaceutical stocks, it will have the affect of requiring a deep understanding of the underlying medical factors. Consider whether thiIt works as a valid reason to prevent yourself from doing it.2. The last cause in avoiding investing in healthcare stocks is needing to watch marketplace events closely for major milestones such as FDA approvals. I advise people to consider this point seriously, because it could lead on to a major drop in the stock price if a significant event such as an FDA decision goes against the company if you determine to anyway.So that is it. We have now seen and reviewed the advantages and disadvantages of investing in healthcare stocks. It’s not actually universal, not for all, nevertheless it will definitely work for a great many people. You need to think about the info presented to make your personal determination, for or against. You will be able to make an optimal decision based on the details offered here in this article. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://elfcems.info/healthcare-stock-investing-pros-and-cons,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Know More About Drake Tax Software Hosting</title> <link>https://elfcems.info/know-more-about-drake-tax-software-hosting,html</link> <comments>https://elfcems.info/know-more-about-drake-tax-software-hosting,html#comments</comments> <pubDate>Sat, 01 Apr 2023 18:50:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[software]]></category> <guid isPermaLink="false">http://elfcems.info/?p=61</guid> <description><![CDATA[In this epoch of cloud computing, Drake Tax Software Hosting plays a very important role as it provides an intelligent tax solution for tax preparer’s. This type of software hosting provides many facilities which should be guided by cloud computing service provider that ranges from all time accessibility to data security and from technical support [...]]]></description> <content:encoded><![CDATA[<p> In this epoch of cloud computing, Drake Tax Software Hosting plays a very important role as it provides an intelligent tax solution for tax preparer’s. This type of software hosting provides many facilities which should be guided by cloud computing service provider that ranges from all time accessibility to data security and from technical support to best management of the of the tax preparation method. Drake Tax Software is provided on windows terminal server to meet all clients’ needs like all kind of tax preparation activities.If clients are using Drake Tax Software Hosting solution as an accounting professional/CPA, it will award clients with various advantages like flexibility, mobility, increased operational skill and reduced IT cost. Cloud hosting helps the professionals/CPA and tax preparers in accessing data from anyplace and anywhere in the world and thus provides them with a chance to outsource their work to a part-time work force. All time accessibility and multi-user functionality is possible on terminal server, the professional/CPA can overlook the usual anxieties, sending, altering and resenting financial data and provided to client. Drake Tax Software permits easy tax preparation and filing. This software program consists of all Federal and State packages. Drake professional tax software makes a user’s purchase decision too easy and quick. Software package consists of all entities, states, e-filing, plus tax planning, document management and write-up with ATF payroll. Drake Tax Software program released with equipped with a tax year comparison tool, and it provides messages and notes pages to help avoid IRS rejections.Drake Tax Software program is a leader in electronic filing. It is one of the largest filers of electronic returns and files. With both state and federal transmission abilities, this Tax Software used to transmit more tax returns than any other commercial software package. With Drake Tax Software program, users get everything they need to e-file individual and business returns, both federal and state. A secure server processes users e-filed returns, which is send through Drake to the IRS and suitable states. Drake Software grants Internet Electronic Filing. Users can use their Internet Connection to E-File the returns anytime and from anywhere now. A client/server application lets users to send files over the Internet. With Internet Connection, users can send IRS files, pick up acknowledgements, send email support questions, and pick up support answers online. The application transmits files quickly, saving local service access time.Advantages for Drake Tax software are:</p><p>Anywhere and anytime access: Drake Tax Software allows the users and the authenticated users to access the files from any internet connection at anytime from anywhere. Hosted Drake Tax Software enables users to access their tax consulted program from any part of the globe using internet. Users can use any device such as PC, laptops and even smartphones. This software helps users to work more as users can work from their office or home or even while traveling anywhere in a globe</p><p>Total online office and multiple user access system: Users can use their hosted Drake software platform to include all their other applications and tools so that all their resources are together and at one place. Like, users may need their accounting information while tax preparation and hosted infrastructure better serve this need. Users can have their work processing tool, document reader and all other required tools to their hosted setup. It grants the feature of multi-user functionality and real-time collaboration which significantly increases users ROI for tax return methodology</p><p>Individual focus: Drake Tax Software hosting users can focus on their other business functional areas and can leave the IT areas like software installations, up gradation, troubleshooting, etc., to the IT experts on the hosting vendor side</p><p>Office Integration: Drake hosting software is fully integrated with Microsoft Office applications. Users can easily export or import their data into Tax returns and transfers directly from within virtual server terminal</p><p>Security: Data security and data backups can be guaranteed by Drake Tax Software hosting service provider, which eliminates nearly all IT worries</p><p>Reliable data backups: Cloud Hosts stores data in Tier IV certified Data Center. To provide reliable data backup they store data at multiple places which guarantees a user’s business continuity</p><p>Authenticity: Only authenticated users can access data as it is protected by enhanced passwords. Clients get the power to define the level of access for an individual user</p><p>Reduced burdens: This Drake Tax Software is responsible for taking data backup, technical support and other security needs. So, users do not need to get busy with these limits and get more time to focus on their core jobs. It even helps in reducing users operations budgets</p><p>Increases efficiency: Drake Tax Software hosting provided helps users in improving and enhancing the efficiency of their business. The hosted software is faster in data accessibility, enhances functionality and eventually enhances the return on investment</p>]]></content:encoded> <wfw:commentRss>https://elfcems.info/know-more-about-drake-tax-software-hosting,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>No Equity Home Equity Loans – What Are Your Options</title> <link>https://elfcems.info/no-equity-home-equity-loans-what-are-your-options,html</link> <comments>https://elfcems.info/no-equity-home-equity-loans-what-are-your-options,html#comments</comments> <pubDate>Sat, 01 Apr 2023 07:53:19 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Home Equity Loans]]></category> <guid isPermaLink="false">http://elfcems.info/?p=59</guid> <description><![CDATA[Do you need a home equity loan, but don’t have equity? Fortunately, you have options with a “no equity home equity loan.” You can borrow up to 125% the value of your home with these high loan-to-value equity loans. But these loans have higher costs than traditional HELOC loans or mortgages. So consider all your [...]]]></description> <content:encoded><![CDATA[<p> Do you need a home equity loan, but don’t have equity? Fortunately, you have options with a “no equity home equity loan.” You can borrow up to 125% the value of your home with these high loan-to-value equity loans. But these loans have higher costs than traditional HELOC loans or mortgages. So consider all your credit options before taking out a “no equity home equity loan.”Borrowing In A Pinch”No-equity home equity loans” offer credit to those who might not qualify for traditional credit. These quasi-secured loans have rates 2% to 6% higher than traditional home equity loans. Fees are also higher with these types of loans. It’s important that you compare interest rates and closing costs from multiple lenders. Pay particular attention to the fees, points, and penalty fees. These often add thousands to the cost of the loan.Additional Costs With No Equity Home Equity LoansWith no equity to secure your loan, lenders will require you to carry private mortgage insurance. Premiums cost around .8%. But you can drop this insurance once you build up 20% equity through payments or property appreciation. “No equity home equity loans” also have less of a tax advantage as a traditional equity loan. Interest paid on the unsecured amount cannot be deducted.Other Credit OptionsA “no equity home-equity loan” may not be your cheapest source of credit. Consider applying for two types of loans to secure a line of credit. For example, you could do a cash-out refi with your mortgage. Then take out an unsecured personal loan for additional credit. A credit card would be another option. When considering a “no equity home equity loan” look at all your options. Think about the cost and the long term commitment with this type of loan. Remember, that you also have other credit choices to pick from. </p>]]></content:encoded> <wfw:commentRss>https://elfcems.info/no-equity-home-equity-loans-what-are-your-options,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>“The Apprentice” Project Manager – A True Representation?</title> <link>https://elfcems.info/the-apprentice-project-manager-a-true-representation,html</link> <comments>https://elfcems.info/the-apprentice-project-manager-a-true-representation,html#comments</comments> <pubDate>Fri, 31 Mar 2023 21:43:33 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[management]]></category> <guid isPermaLink="false">http://elfcems.info/?p=57</guid> <description><![CDATA[It has now returned to TV and as any fan of The Apprentice will know, it’s often the case that when the role of Project Leader is up for grabs, many of the wannabe protégés either suddenly become very quiet, or they very keenly put themselves forward… perhaps in part due to naivety!Now, I know [...]]]></description> <content:encoded><![CDATA[<p> It has now returned to TV and as any fan of The Apprentice will know, it’s often the case that when the role of Project Leader is up for grabs, many of the wannabe protégés either suddenly become very quiet, or they very keenly put themselves forward… perhaps in part due to naivety!Now, I know the show is pretty far detached from what actually goes on in real-life, and their version of the ‘Project Manager’ role might well be as well, however this situation does highlight how leading a team involves a certain amount of responsibility and interpersonal skills, as well as ‘putting your neck on the line’!While mishaps along the way might not mean the equivalent of a ‘fast track to a boardroom showdown’, project management can be quite stressful because when projects are delayed, or overbudget – or even fail – then it’s usually the Project Manager who is held to account… “You’re fired” springs to mind… rightly or wrongly!Below are just a few situations and the differences in how ‘The Apprentice Wannabes’ typically deal with them and how the PRINCE2 Method and/or the APM Body of Knowledge (APM BoK) would handle it…SituationThe team are at logger heads and two or more in the group can’t agree on what would make their solution acceptable.The Apprentice ResponseNaive Project Leader arrogantly goes for what they think is the best solution, because they are the Task Manager after all and are obviously in charge! Never mind what the outcome is, or what it looks like, just get ‘something’ created!PRINCE2/APM BoK ResponseAssignment Manager should apply the appropriate interpersonal skills such as conflict management and negotiation. (APMBoK).Create a Task Product Description stating the agreed scope, purpose of and acceptance criteria for the solution. Raise an issue and escalate to the Assigned Board to resolve any requirement conflict if agreement can’t be made and the situation is out of the Project Manager’s control/remit. (PRINCE2).SituationNo one knows what they are meant to be doing and why, or who they should liaise with regarding what.They all have very different and conflicting ideas and are very much in competition with each other rather than working collaboratively as a team.The Apprentice ResponseThey simply aimlessly get on with the work which they believe the Project Manager has instructed them to do and then collectively blame the Project Manager when it proves to be wrong and the outcome is unacceptable!PRINCE2/APM BoK ResponseAgree the scope and objectives of the task and the desired outcome (APMBoK & PRINCE2).Have a clear reporting structure with clearly defined roles and responsibilities, backed up by an effective communication management strategy (PRINCE2).The PM should manage the dynamics of the team through the four typical phases of its life; Forming, Storming, Norming, Performing e.g. ‘Tuckman’s theory’. (APMBoK).SituationThe Team Manager can’t get a team member to willingly undertake a task which has been assigned to them. They are demoralised and frustrated by the lack of guidance being given to them.The Apprentice ResponseThey argue, ignore each other and then do a bit of back-stabbing. The task may end out getting completed but often deliberately badly and/or wrongly!PRINCE2/APM BoK ResponseThe Project Leader should apply their motivational skills by identifying what it is that will motivate that particular person to get the task done, and also apply the appropriate leadership style to suit the situation, e.g. autocratic or democratic (APMBoK).If the situation still can’t be resolved, raise an issue and escalate to the appropriate Project Board member to resolve, e.g. if user related then Senior User, if supplier related then to Senior Supplier. (PRINCE2).SituationThe team members are in the wrong ‘social role’ for their personal strengths. They have differing needs, understandings and incompatible strengths and consequently tasks are either being done badly or not getting done at all.The Apprentice ResponseAll the team get stressed, argue and blame each other for their mistakes and shortcomings. They all look to the Project Manager for guidance and then blame the Project Manager for their lack of leadership!PRINCE2/APM BoK ResponseWhen initially building the team, apply a social role model such as ‘Belbin’ to find out what people’s different strengths are and then design the team based on the best combination and balance of roles. Motivate and lead the team taking into account and balancing each individual’s, the team’s and the task’s needs.(APMBoK).Okay, the above are somewhat negative and potentially stressful situations, but then any Project Manager would know that such situations usually come with the territory in the case of poorly managed tasks! However, delivering a well-managed project on time to the agreed budget, and producing a deliverable to a business that meets its expectations, is fit for purpose and capable of generating the expected benefits, can be very fulfilling and motivating.Having a string of successful projects as well as industry accepted and internationally recognised associated qualifications on a CV can be a significant career booster. It may have even helped those budding apprentices with their interview stages of the TV show… as ‘PRINCE2 Practitioner’ has been spotted by those eagle-eyed viewers on more than one CV during previous series!So, what do you need to know to get ahead in this profession?You’ll certainly need to know your PRINCE2 from your Prince Charles! But what does it take to be a good leader?• Can you apply the right style of leadership (e.g. know when to be autocratic or democratic) given the situation?• Can you negotiate effectively?• Are you good at managing and resolving conflict?• Can you motivate and manage people to get the most from them?• Do you know the factors to consider when designing and developing an effective project team?Do you know about health, safety and environment management?Do you understand a procurement process?Can you apply stakeholder management?These are just a few of the ‘wider’ aspects of project management not covered in detail byPRINCE2… but why not if they are deemed to be key knowledge and competency areas required of a Project Manager?…… because PRINCE2 is a generic project management method designed to be applied to any type of project in any environment, whereas such wider aspects of project management can and will differ depending on the project type and environment, as well as the preference, skills and ability of the Project Manager. For example, not all projects will require procurement and other aspects are ‘how’ something should be done, whereas PRINCE2 concentrates more on ‘what’ needs to be done and ‘why’, leaving the ‘how’ up to each organisation depending on the type of project being managed. Such additional aspects of project management should therefore be ‘bolted on’ to and applied within your PRINCE2 framework as required. They will perfectly complement the PRINCE2 method, thus creating a FULL project management environment.So, this is where having a good understanding of the APM ‘Body of Knowledge’ (APM BoK) and having the associated APMP qualification will help you be a more effective Project Manager and will ‘complement’ your PRINCE2 Practitioner qualification due to the APM BoK covering such wider aspects of project management which are fundamental to a project’s success.To find out more about what it takes to become a Project Manager and how to gain the associated and internationally recognised professional qualifications, such as PRINCE2 and APMP, which can help to boost your career prospects…… contact SPOCE Project Management Ltd, the training professionals and longest standing company in the world who specialise in delivering Global Best Practice examined training events. </p>]]></content:encoded> <wfw:commentRss>https://elfcems.info/the-apprentice-project-manager-a-true-representation,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Four Signs a Career in Beauty and Wellness is Right For You</title> <link>https://elfcems.info/four-signs-a-career-in-beauty-and-wellness-is-right-for-you,html</link> <comments>https://elfcems.info/four-signs-a-career-in-beauty-and-wellness-is-right-for-you,html#comments</comments> <pubDate>Fri, 31 Mar 2023 19:25:03 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Spa and Wellness]]></category> <guid isPermaLink="false">http://elfcems.info/?p=55</guid> <description><![CDATA[To the chagrin of many a beauty professional, the movie Grease epitomized beauty school as a place where young women whiled away the hours while waiting to get married. Flash forward three decades and careers in beauty and wellness are growing more rapidly than many other fields according to the Bureau of Labor Statistics.Blame it [...]]]></description> <content:encoded><![CDATA[<p> To the chagrin of many a beauty professional, the movie Grease epitomized beauty school as a place where young women whiled away the hours while waiting to get married. Flash forward three decades and careers in beauty and wellness are growing more rapidly than many other fields according to the Bureau of Labor Statistics.Blame it on high-definition television, reality programming or the surge in non-invasive procedures, but today’s beauty professionals are working in environments that extend well beyond the styling chair. The American Association of Cosmetology Schools recently commissioned a national survey conducted by Dallas-based Decision Analyst; a leading firm in conducting attitude and perception studies. The Study of Attitudes Toward Beauty and Wellness Careers interviewed young women between the ages of 16 and 34, as well as beauty professionals, to profile the characteristics that make an individual a candidate for a career in beauty and wellness.The findings: Beauty and wellness careers – defined in the survey as “careers in hair care (e.g., styling, coloring, etc.), skin care (e.g., facials, makeup, etc.) nail care, massage and other services that help people maintain good grooming, improve their appearance and increase their sense of well-being) – are a good fit for a unique personality composite. Do you meet this profile?You’re Entrepreneurial – Data collected by the National Accrediting Commission for Cosmetology Arts and Sciences reveals that approximately one-third of licensed cosmetologists and beauty professionals own their own business. Individuals are drawn to the field by an opportunity to create their own work/life balance. While traditional salaries are rare (but certainly an option for those that work in corporate salons and spas as well as broadcast and entertainment), the field does not suffer from income limits.You Like to Create: The Study of Attitudes Toward Beauty and Wellness Careers found that those that rank beauty and wellness as an attractive career path value the field for its opportunity to create. “Whether as a platform artist, educator or marketing representative, beauty offers unrivaled opportunities to create,” noted Jim Cox, executive director of the American Association for Cosmetology Schools. He noted that the respondents who favored careers in beauty tended to share many similarities with individuals interested in graphic design careers.You Enjoy Working with Others: Beauty may just be the ultimate people profession. Success requires more than an extroverted personality, however. Successful cosmetologists are adept at “reading” client’s and communicating with them in a manner that complements how the client prefers to be engaged. This encompasses skills such as sensitivity, respecting privacy and time management skills.You’re Looking for Life/Work Balance: What started with “flex-time” has morphed into a life-work balance, with young people desiring an alternative to the 40-hour, Monday-Friday week. Due to the entrepreneurial nature of careers in beauty, professionals can create their worn life/work path. </p>]]></content:encoded> <wfw:commentRss>https://elfcems.info/four-signs-a-career-in-beauty-and-wellness-is-right-for-you,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Balancing Your Mind, Body, and Spirit</title> <link>https://elfcems.info/balancing-your-mind-body-and-spirit,html</link> <comments>https://elfcems.info/balancing-your-mind-body-and-spirit,html#comments</comments> <pubDate>Fri, 31 Mar 2023 17:36:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Mind Body Spirit]]></category> <guid isPermaLink="false">http://elfcems.info/?p=53</guid> <description><![CDATA[Keeping a balanced life is essential to walking in prosperity. Your mind, body, and spirit must be equally nourished. There can be no overbalance or under nourishment in any of the areas.Mind. Your mind guides you and has shaped who you are. In order to keep your mind active, you must fill it with new [...]]]></description> <content:encoded><![CDATA[<p> Keeping a balanced life is essential to walking in prosperity. Your mind, body, and spirit must be equally nourished. There can be no overbalance or under nourishment in any of the areas.Mind. Your mind guides you and has shaped who you are. In order to keep your mind active, you must fill it with new information on a consistent basis. Reading is one sure way to keep your mind stimulated and active. The newspaper, magazines, journals, articles, and books, are great resources of gaining new information. Reading is a sure way of acquiring knowledge and keeps the mind active. Keeping abreast of political issues and world news is yet another way and being aware of current events in your city, state or community is yet another. Exposing yourself to other cultures and ways of living is enlightening as well as informative, and traveling to distant lands to learn about the lifestyles of people in other countries is yet another way to keep one’s mind stimulated. However, to live solely for the stimulation of the intellect is to be out of balance and out of harmony with God. Satisfying the intellect is only a fraction of what is needed to be well-rounded and balanced.Body. Your physical body must also be taken care of adequately because your physical body is what houses your mind, spirit, and soul. You are actually a spiritual being clothed in a fleshly form, and although your spirit and soul goes back to God, your physical body does not. Your physical body is temporal, subject to decline, decay, deterioration and goes back to the dust. You must do your part in helping to maintain this body until it is ready to completely shut down. While your spirit resides in your physical body, you must eat, sleep, drink, and breathe accurately and adequately. You must get plenty of exercise and proper nourishment. However, to live solely for the body alone is to be out of balance and out of harmony with God. There is a principle of health in every person and when in full constructive activity, it causes all the voluntary functions of your body to perform at optimal levels. When the mind, body, and spirit are sufficiently nourished, there is a balance and a power that you walk with that causes your mental attitude to be positive, harmonious, and constructive. This attitude opens the door for good to be manifested in your life. You are always guided by divine intelligence.Spirit. Your spirit is who and what you are. You must continuously feed this spirit to keep it healthy just as you do your physical body. Spiritual renewal takes place as the Word of God is studied with an open heart led of the Holy Spirit. However, having knowledge of the Word without the Spirit of the Word is ineffective. What does it profit a person to be able to profoundly discourse the Word of God, if he or she is void of the Spirit of God, which leads to humility and a balanced life? Your goal is not just to know the book of the Lord, but to know the Lord of the book. This is why prayer is the foundation upon which every aspect of your life is built. Prayer is keeping the lines of communication open to God, casting all your cares upon Him, praising and honoring Him, and confessing your misdeeds to Him. When there is a balance between prayer, study and fellowship, you can fairly say that you have a pretty balanced spiritual life with some room for improvement. Attending Christian services and fasting for a specific purpose builds upon your spiritual life and further helps to strengthen and feed your soul. However, to live solely in the spirit is to be out of balance and out of harmony with God. Being spiritually strong is only a fraction of living a balanced life. To be overextended in one area is to be weak in another.Keeping the mind, body and spirit balanced is a necessity and is essential to healthy living. If you find that there is an imbalance, try and rectify it quickly. Many people are over-extended in one area and under extended in another. For instance, some people have a very strong spiritual life, but they have neglected their physical bodies and therefore find themselves having medical and physical challenges. Some people are very much in physical shape. They eat properly and get plenty of exercise, but are malnourished in their soul because of deprivation of prayer, study, and reading the Word. We must stay balanced in order to experience a life of fulfillment and satisfaction. An excess in any one area causes a deficiency in another area. Make sure that you have delegated sufficient time for the growth and development of mind, body, and spirit. </p>]]></content:encoded> <wfw:commentRss>https://elfcems.info/balancing-your-mind-body-and-spirit,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How Payroll Software Manages HR Workflows of A Company Effectively</title> <link>https://elfcems.info/how-payroll-software-manages-hr-workflows-of-a-company-effectively,html</link> <comments>https://elfcems.info/how-payroll-software-manages-hr-workflows-of-a-company-effectively,html#comments</comments> <pubDate>Sun, 26 Mar 2023 06:49:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[management]]></category> <category><![CDATA[software]]></category> <guid isPermaLink="false">http://elfcems.info/?p=50</guid> <description><![CDATA[As a company grows, so does the complexity of managing employees’ payroll related matters. Maintaining precise data about employees’ allowances and processing their salary and deductions manually are time-consuming and error-prone. To replace this time-taking, error-prone and paper-based way, payroll software makes a tremendous sense. It saves expenses and increases efficiency simultaneously.Programmers develop two kinds [...]]]></description> <content:encoded><![CDATA[<p> As a company grows, so does the complexity of managing employees’ payroll related matters. Maintaining precise data about employees’ allowances and processing their salary and deductions manually are time-consuming and error-prone. To replace this time-taking, error-prone and paper-based way, payroll software makes a tremendous sense. It saves expenses and increases efficiency simultaneously.Programmers develop two kinds of payroll software. One is desktop-based and the other is web-based. Both of them are popular, but the users of the desktop-based payroll software face some limitations about online maintenance service and regular updates of software features from the programmers. On the other hand, users of the web-based version of this software get regular updates and online maintenance services. The web-based version of this software is invariably known as online HRMS or human resource management software.As for the user-friendliness of the payroll software, it is easy to use. Users can control everything with ease. The program’s wizards hold the hands of the users every step and guide them all through the way, from simple data entry to the generation of desired outputs. This software is very helpful for uploading new employees’ information into the database. Users can manage all relevant information, such as employees’ profiles, their addresses, salary progression, deductions, marital status and much more. Once users have completed their entries, payroll software can tally all taxes and withholding automatically.In this way, the software can save users’ time and reduces errors by doing the calculations for the users. Furthermore, payroll software can auto-generate all the financial information seamlessly and the paycheck which looks exactly like what they would expect to see in a traditional paycheck. From uploading a new entry into the database to the deletion of an entry, all tasks can be performed within an amazingly limited time. Again, users can run reports and make detailed evaluations of employees, their payroll, allowances, leaves, loans and budgets, among others, quite swimmingly.When it comes to buying payroll software, a company needs to take note minutely of the features of the software being offered by the programmers. Companies need to ask for detailed features of the software and look for those features which are necessary for those companies. However, the following features if found embedded into the software can be able to serve almost all purposes of a company.Desired Features of Payroll Software:1. Quick access to database<br />2. Easy and quick access into employee database<br />3. Covering all HR related tasks<br />4. Easy processing of new recruits<br />5. Capability of assigning jobs comfortably<br />6. Quick viewable of employee status<br />7. Helpful for enrollment and administration<br />8. Quick procurement of emergency contacts<br />9. Quick accessibility into employee history<br />10. Helpful for checking performance or salary reviews of the employees<br />11. Distinct rooms for personal and official details of employees<br />12. Facility to quick store or upload informationManaging HR workflows has become quite easy and convenient, with using such payroll software. They can be custom-developed in conformity with the labor laws of a country. While migrating from the manual payroll management to the online payroll management, companies should keep in mind that there are hundreds of software companies selling this software. Only the best one of them should be chosen. </p>]]></content:encoded> <wfw:commentRss>https://elfcems.info/how-payroll-software-manages-hr-workflows-of-a-company-effectively,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://elfcems.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://elfcems.info/crypto-currency-vs-fiat-currency,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:40:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cash]]></category> <category><![CDATA[Crypto currency]]></category> <category><![CDATA[currency]]></category> <guid isPermaLink="false">http://elfcems.info/?p=48</guid> <description><![CDATA[Crypto currency vs. Fiat currency Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use [...]]]></description> <content:encoded><![CDATA[<p>Crypto currency vs. Fiat currency</p><p>Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use of cryptos, while the other has a soft corner for the fiat currencies.</p><p>In cashless society- crypto money play a huge role</p><p>If you have a look at the market of the 1970s and 1980s, you will find that the cash played the dominant role. But, with the change in the technology, electronic transactions have become the usual norm. Today, more and more people are influenced in becoming the cashless society. With the progress towards the cashless society, cryptocurrencies have a big role to play.</p><p>Crypto currency and fiat currency are always at loggerheads</p><p>Cryptocurrency and fiat currency are popular types of digital currency, especially when it is about an online transaction. They both are currencies currently in use in the market but have some differences in them. There is a hell lot of hypes that you will hear on a daily basis comparing the crypto money and the fiat money. This article will highlight the difference between the two in a more comprehensive and clear manner.</p><p>Differentiating in what the currencies stand for</p><p>Before going for the difference between the two, you must understand what do they stand for and how are they are defined.</p><p>The fiat currency is a legal tender that has the support of the central government, and it operates in the physical form. For instance, US dollars, British Pounds, Euro etc. On the other hand, the crypto currency is a non-legal tender, and doesn’t have any backup from the central government or bank.<br />Hence, the difference between crypto currency and fiat currency is noted as follows:</p><p>• Crypto-currencies are decentralized and global in nature. There are no one entity or government that controls the currency with their laws and regulations. The Fiat currency is centralized, under the control of the laws and regulations of the banks and government.</p><p>• Crypto-currencies have their existence only in the digital domain. On the other hand, you will find that the fiat currencies have a tangible and physical existence.</p><p>• There is a limited supply of crypto-currencies with a maximum set of them getting supplied in the market. Whereas, the fiat money has an unlimited supply as the government and bank are entitled to produce coins and paper money whenever the situation is required.</p><p>• The Bitcoin and other crypto type currencies are created by the computers, while the fiat currencies are issued by the local government and the banks.</p><p>• Cryptocurrencies are presented as the public and private code pieces. On the other hand, the fiat currencies are presented in the form of coins and paper money.</p><p>• The value of the crypto currencies is not recognized by the supply and demand of the market. Whereas, the fiat currency value is determined by the market regulations of supply and demand.</p><p>The different types of crypto and fiat currencies</p><p>In the last one decade, the popularity of crypto type currencies has emerged as a huge success. It was in 2009, when Bitcoin was first introduced, and years after several other types of crypto currencies have emerged. Starting from Litecoin. Dogecoin, Ripple to the Dcash and Zcash, there is a plethora of them. On the other hand, the fiat currency has a rich and ancient roots, with the Great British Pound, that dates back to 775 AD. It is considered as the oldest currency in the world that is still in use.</p><p>The differences in the anonymity between the two currencies</p><p>When you are using the fiat currencies, you need to undergo a user identification or verification process. You are asked to upload a recent picture of yourself and some of the required documents to be issued as per the public authorities. You don’t need to undergo any of the required processes with the crypto currencies. Though your personal information and confidential details don’t get public, but all your transactions are recorded and tracked in both the fiat and the crypto currencies.</p><p>Fiat currency vs crypto currency: transparency level</p><p>• The transparency level with the crypto type currencies are considered to be more. This is because the revenue streams are displayed in a public chain. Everyone can witness their own and others’ transactions.</p><p>• The fiat or govt. currencies are not transparent, as there are not public chains to see the revenue streams of the people.</p><p>A comparative historical roots</p><p>If you compare the crypto money with that of its counterpart, fiat or government currency, you will find that their existence and creation brings the difference. The Fiat or government currency, dates back its existence as early as 775 AD with the introduction of the Great British Pound. This is why fiat type currency is easily accepted by the people all over.</p><p>On the other hand, the crypto coin was perhaps first introduced only a decade ago, with the introduction of Bitcoin in 2009. The challenge that the Bitcoin and other crypto currencies face is catching up with the immense popularity and increasing fan base of the fiat currency. Crypto currency, is no doubt gaining importance and popularity in the economic market, but it has still not been accepted widely in the society as the fiat currency.</p><p>A comparative history of the two currencies:</p><p>• It was in the 11th century, when the Chinese Song dynasty was perhaps the first one to issue the paper money. It was not allowed to exchange with valuables like gold and silver or silk.</p><p>• There were Tally sticks that were introduced as a fiat or government currency. 1100 Tally sticks were introduced as a combat for the shortages in gold.</p><p>• 1971, was the year, when the fiat currency received a worldwide recognition. President Nixon introduced it in order to eliminate the dollar pegging system to gold.</p><p>• It was in 1998, when the idea of an anonymous electronic cash system emerged by Wei Dai. Bitgold-the very first crypto currency was created by Nick Szabo, but it didn’t receive as much attention as Bitcoin.</p><p>• In 2009, Bitcoin was introduced in the market, that became the first crypto currency that was accepted across the globe. In 2011 and after, a series of several other crypto currencies were introduced. Some of the popular ones include, Litecoin, Dogecoin, Ethereum, Ripple, Zcash, Dash and so on.</p><p>The traits of both the currencies</p><p>The potential of the crypto type currencies and fiat currencies, accessing their traits is important. You will find that in some of the criteria, Bitcoin and other crypto currency is superior than the fiat or government currency, and in some cases, the latter surpasses. It is absolutely your call to choose the type of currency (crypto type currency or fiat type currency) based on your personal needs and requirements.</p><p>Let us compare their traits with respect to certain factors.</p><p>• Both the crypto coins and fiat type currencies are interchangeable in nature.</p><p>• As per the portability is concerned both the currencies secure more or less the same position.</p><p>• With respect to the non consumable criteria, crypto currency and fiat type currency have the equal status.</p><p>• Crypto type currencies have high durability as compared to the fiat-currencies that have moderate level of durability.</p><p>• Both the crypto or virtual currencies and the fiat or government currencies ensure secure and safeguarded transactions and exchange.</p><p>• Crypto or digital currencies are highly divisible in nature. On the other hand, the fiat type currencies are moderately divisible.</p><p>• In terms of the transaction process, the crypto currencies are easy and hassle free. Whereas, on the other hand, the traction process associated with the fiat currencies are easy, but not like the cryptos.</p><p>• The crypto based currencies are decentralized and global in nature, unlike the fiat currencies that are centralized and functions under the laws and regulations of the government.</p><p>• The crypto based currencies have high scarcity, where as, the fiat currencies are unlimited as the government can issue coins and paper money whenever there is a need.</p><p>• The crypto based currencies are based on mathematical algorithms, and are programmable. The fiat currencies are not at all programmable.</p><p>• The fiat currencies are sovereign in nature, while the crypto currencies are not.</p><p>The process of the functioning of the currencies</p><p>You can find the significant differences between the crypto or digital currencies and the fiat currencies with the way they both operate and the transaction process that take place. They are contrasting in nature. The transfer of money using the Bitcoin is very quick, and you absolutely don’t need any third party association.</p><p>On the other hand, if you are involved with the money exchange using Fiat type currency, a mobile wallet is in use. You can exchange an amount of e-money that gets transferred into the equal e-value amount. Both the fiat and the crypto currencies enable you to purchase everything that you desire. But the processes involved are absolutely distinct from each other.</p><p>Depending on the things you purchase, you will find that one currency form is better than the other. This is absolutely your choice.</p><p>Is Bitcoin, a crypto currency better than the fiat-currency?</p><p>The long term benefits and the capability of the Bitcoins is still not established. But it has been predicted by the crypto currency gurus and experts, that they will go a long way, especially revolutionizing the way the online transactions are done. In the current market, the Bitcoin is mainly included in the online casinos and the gambling, but it is not limited to it.</p><p>Furthermore, when you compare the fiat currencies, the Bitcoin allows you to seize the power and authority from the banks and the government since it is not controlled. The cryptography based currency has the capability to create or come up with the free market capitals. Fiat currencies are affected by the inflation and the changes in the market, unlike the crypto based currencies. Such aspects make individuals believe that cryptograph based currencies will soon take over the mainstream currencies and bring a transformation in the way the money is used.</p><p>Why is Bitcoins considered to be a better aspect than the fiat type currencies?</p><p>• Bitcoin gives you the opportunity to re-create a free market capitalism.</p><p>• The power of controlling the money is absolutely with the individuals, and not with the banks like the fiat type currencies.</p><p>• When there is an inflation, the Bitcoin is not affected. But the Fiat type currency will be easier to lose and get affected by it.</p><p>• The Bitcoin currency is easy easier to exchange and transfer as compared to the fiat or government currencies.</p><p>• The transaction fees involved with the Bitcoin are way cheaper and easily affordable.</p><p>Crypto currencies seem to be a favorable option among the people</p><p>The fiat type currencies are the centralized and legal way of exchanging money. But, the crypto currencies have acquired immense popularity in the past few years. There will never be anyone who would act as a middle man, like the case with the banks. Moreover, the cryptos are way cheaper and less expensive that the conventional fiat currencies.</p><p>Send money anywhere directly without waiting for the bank’s approval</p><p>You can send money to anyone in the world directly, and it is super fast. The money gets cleared within a few minutes time. You don’t have to wait for the traditional clearing and verification processes of the banking systems, which might take up to several days to get a clearance. Since it is decentralized and doesn’t come under the law and regulations of the government, nobody has any power to do anything with your account.</p><p>The blockchain technology has a very big role to play</p><p>Thanks to the crypto currencies, that gives us the power and the authority to become our very own bank, and take control over our finances. It is because of the blockchain technology that offers a higher level of sophistication while dealing with the finances. In fact, there are some mainstream financial industries that have started incorporating the idea of the technology.</p>]]></content:encoded> <wfw:commentRss>https://elfcems.info/crypto-currency-vs-fiat-currency,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Are You Choosing the Right Stock Market Advisory Company</title> <link>https://elfcems.info/are-you-choosing-the-right-stock-market-advisory-company,html</link> <comments>https://elfcems.info/are-you-choosing-the-right-stock-market-advisory-company,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:35:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[financial]]></category> <category><![CDATA[help you]]></category> <category><![CDATA[planners]]></category> <category><![CDATA[point]]></category> <guid isPermaLink="false">http://elfcems.info/?p=46</guid> <description><![CDATA[What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, [...]]]></description> <content:encoded><![CDATA[<p>What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, when it comes to investing in the stock market for the first time, you require a knowledgeable advice to attain your financial goals and get profitable returns.</p><p>If you are a beginner, then it is quite obvious that you may be having no information about the process of buying the right shares in the market. In such a situation, getting the right tips from an experienced financial advisor or a registered advisory company will truly prove to be a great blessing in disguise. However, there are some of the important things that have to be kept in mind while choosing the top stock market advisory company, which are as follows:</p><p>How much assistance do you actually require?</p><p>Before you make up your mind to hire an advisor, it is imperative that you must first decide about the kind of service you require from them. You may need their help at the beginning or during the time of any issues. This is because an advisor has to formulate a map according to your requirements. Hence, it is suggested to ascertain your needs first and then take further action.</p><p>Choose a top ranked advisory company</p><p>It is a very important point that has to be taken into the consideration. Availing services of the well known advisory company or a financial advisor is an absolute necessity. Make it a point to carry out a proper background or research work about the company. Check out their credentials, reputation, experience, etc before hiring them.</p><p>Asking for a sample financial plan initially makes sense</p><p>When hiring a financial advisor, then do not forget to ask for sample plan first. It is imperative to note that there is no such thing called the perfect plan. A sample plan will help you to determine whether an advisory company is actually making sense according your requirements or not.</p><p>Conclusion</p><p>The financial planners or advisory companies can really turn out to be the greatest asset for you if you choose the best one. They are just like the professional sailors who can help you out to sail through stock investment related problems quite efficiently.</p><p>Deepak is a financial advisor who likes to provide quality tips to the people facing any issues with regard to investing in the stock market. He likes to keep himself updated about the stock market by reading articles, news and blogs, etc.</p>]]></content:encoded> <wfw:commentRss>https://elfcems.info/are-you-choosing-the-right-stock-market-advisory-company,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Fear and Greed in the Market</title> <link>https://elfcems.info/fear-and-greed-in-the-market,html</link> <comments>https://elfcems.info/fear-and-greed-in-the-market,html#comments</comments> <pubDate>Mon, 12 Sep 2022 10:33:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[company]]></category> <category><![CDATA[indicators]]></category> <category><![CDATA[investors]]></category> <category><![CDATA[Market]]></category> <category><![CDATA[technical]]></category> <category><![CDATA[trading]]></category> <guid isPermaLink="false">http://elfcems.info/?p=44</guid> <description><![CDATA[Greed and Fear. Two Emotions that play a bigger factor in the success or failure of humans than any other emotion we experience. Both fear and greed refer to an intrinsic emotional state. Tens of Millions of dollars have been made and lost based on these 2 emotions alone. In trading, in business and in [...]]]></description> <content:encoded><![CDATA[<p>Greed and Fear.</p><p>Two Emotions that play a bigger factor in the success or failure of humans than any other emotion we experience. Both fear and greed refer to an intrinsic emotional state. Tens of Millions of dollars have been made and lost based on these 2 emotions alone. In trading, in business and in relationships. So why do so many educational courses, stock trading books and online courses avoid this topic all together?</p><p>Perhaps they are not avoiding the topic of emotions, Perhaps by teaching certain methods and skill sets to their readers they are in fact dealing with the emotional side of trading head on!</p><p>It is well known that emotions create a certain amount of pleasure or displeasure. It is also known that emotions are networked with mood, frame of mind, desires and passions. The list goes on… So how do we as individuals develop a skill set to navigate these emotions in business in trading and in life?</p><p>Charles Darwin argued that emotions actually served a purpose for humans and rightfully so, If our emotions have been evolving for over 2 million years. Should we not be using these amazing skills to our advantage rather than placing blame on them for poor decision making? It is my belief the poor decision making has nothing to do with emotions and everything to do with laziness and lack of planning.</p><p>A Lesson From One of the Greats!</p><p>I would be doing my readers a disservice if we did not mention the strategy of Warren Buffett. One of the most successful investors of our time. Warren Buffet stuck to his strategy and profited greatly. Warren Buffett showed us just how important and beneficial it is to stick to a plan. When deciding whether or not to invest in a company himself, Buffett and his partners follow a few simple guidelines, one of which involves trying to determine the company’s longevity.</p><p>As the market becomes overwhelmed with greed, the same can happen with fear. When stocks suffer large losses for a sustained period of time, the overall market can become more fearful of sustaining even further losses. But being too fearful can be a grave mistake. It is precisely at this time successful investors and traders alike make their move. This is where the real money is made.</p><p>Just as greed dominated the recent Cryptocurrency boom or fear dominates the headlines on potential trade war outcomes, investors quickly move around from one “secure” investment to another. It becomes a constant game of cat and mouse.</p><p>This flooding in of money to the stock market shows a complete disregard for many technical indicators that continue to scream a correction is inescapable. Retail Investors seem overjoyed with the flooding in of headlines that read ALL TIME HIGH. Should retail investors be overrun by fear of a major correction?. Granted, losing a large portion of your retirement portfolio’s worth is a tough pill to swallow, but even harder to digest is the possibility of missing out on the massive gains the market is currently offering investors of all experience levels.</p><p>Having a clear understanding of my own personal goals, a understanding of my success and creating a list of my OWN wants and needs rather than taking dreams of others and trying to reach them has been a colossal factor in putting out the greed flame in my own trading and daily decision-making.</p><p>I have also added a link of “Must Read” Books that have been advantageous in my journey of reigning in my emotions on decision-making. I will update this as I see fit..</p><p>One method I have found to be helpful is to be careful on how I measure success, wealth, goals and most importantly happiness. It is far to easy these days to allow outside influences affect our happiness and success. Social media blasts us day in and day out with the success of others.</p>]]></content:encoded> <wfw:commentRss>https://elfcems.info/fear-and-greed-in-the-market,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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