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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>hriusln.info</title> <atom:link href="http://hriusln.info/feed/" rel="self" type="application/rss+xml" /> <link>https://hriusln.info</link> <description></description> <lastBuildDate>Mon, 06 Nov 2023 00:00:09 +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>Choose The Best Web Designing Company To Make Your Business Reach Heights!</title> <link>https://hriusln.info/choose-the-best-web-designing-company-to-make-your-business-reach-heights/</link> <comments>https://hriusln.info/choose-the-best-web-designing-company-to-make-your-business-reach-heights/#comments</comments> <pubDate>Wed, 10 May 2023 10:42:33 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Web Design Development]]></category> <guid isPermaLink="false">http://hriusln.info/?p=63</guid> <description><![CDATA[Most of the business entrepreneurs dream of expanding their business in the global market. To expand your business in the market the first thing business owners should do is to have a website of their own. Your website acts out to be your company’s calling card. So make sure it is something good and does [...]]]></description> <content:encoded><![CDATA[<p> Most of the business entrepreneurs dream of expanding their business in the global market. To expand your business in the market the first thing business owners should do is to have a website of their own. Your website acts out to be your company’s calling card. So make sure it is something good and does the perfect job for your business. Thus, it is very important that you hire a professional web development company to develop your perfect site and create web based solutions. But at the same time, there are people who do not want to spend unnecessary money. So make sure that your chosen firm is capable of employing the required skills to bring out the best web development and designing results so that you can reach out to your targeted audience in no time. But before approaching a web design company, you should clarify your requirements. That is why it is very important to make the right choice. Here is a list of some of the best qualities that a professional web design company must possess, which will help you to avoid amateur pitfalls.How to find the right web design company for you?• Must be UniqueHaving a website is not just enough. It is very important to make it unique and impressive to get the desired results.• Access your needsHaving a professional web design company should access your needs. They will work with you rather than for you. It will help you in defining the reputation and requirements of your organization.• Perfect ProposalA good web design firm will always be ready to submit a proposal for your business with a defined timeline, deliverables and the terms & conditions involved.• Consider the strengths and weakness of the planMaintain a list for each proposal mentioning the strengths and weaknesses of the respective web design firm based on the materials.• Evaluate the planAnother important thing is to thoroughly evaluate the proposal. After your organization has received all proposal, review and compare them with each other.• Website NavigationApart from creativity, another important thing is to consider whether your website is easily navigable or not. For a successful website, everything needs to be balanced and perfect.• Cost EffectiveCost is another factor that needs to be kept in mind while hiring a web design company. So set up your budget and stick to it. A good web design company will always have special offers for you as per your requirement.• Attractive PortfolioIt is the attractive portfolio of a web design company that helps in getting it selected.• Customer CentricA company with a customer focused approach is an ideal choice as it will take up the full responsibility of your business and will be available for you all the time. This will also provide free of cost maintenance services.• High Quality ServiceThere are lots of web designing companies that you will come across, but going out with the best one that offers unparalleled levels of quality is what really matters.• GuaranteeA good firm is one that provides you with a guarantee on its services, this will actually reflect out its reliability.• SEO ServicesAn ideal web designing and development firm should offer SEO consulting and market advice. The firm should be ready to adopt changes and must be knowledgeable about the fast changing world of e-commerce and should offer various other solutions such as content management, database integration, etc.• Check the pastDo a thorough research and check if the company has offered web based services in the past. Try to contact these clients and know what they feel about the web development company.So always keep in mind that you are hiring a web design company and are paying for all the services that it provides. This gives you a more solid reason why you should be concerned about its professional qualities. So don’t be afraid to spend time for search and analysis. As a perfect website will be beneficial for you which will give in new prospects to your business and make it more successful. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://hriusln.info/choose-the-best-web-designing-company-to-make-your-business-reach-heights/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Publish an E-Book</title> <link>https://hriusln.info/publish-an-e-book/</link> <comments>https://hriusln.info/publish-an-e-book/#comments</comments> <pubDate>Wed, 10 May 2023 02:39:57 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Publishing Printing]]></category> <guid isPermaLink="false">http://hriusln.info/?p=61</guid> <description><![CDATA[In this age of the Internet, newsletters and ezines are not the only ways to publish a book without having to resort to big name publishers. Self-publishing authors publish their books in electronic form known as e-book, as an alternative.An e-book, short for electronic book, is an electronic edition of a conventional printed book which [...]]]></description> <content:encoded><![CDATA[<p> In this age of the Internet, newsletters and ezines are not the only ways to publish a book without having to resort to big name publishers. Self-publishing authors publish their books in electronic form known as e-book, as an alternative.An e-book, short for electronic book, is an electronic edition of a conventional printed book which can be read on a personal computer and hand-held devices. It is usually read on hardware devices known as e-Readers or e-book devices. E-books appear in different formats, most common among them is the Portable Document Format or PDF. The PDF was so widely used that, although there are no official standards for e-book publishing, it became a de facto format in the Internet.Publishing e-books allows easy access for you to publicize your websites or business. The release of a free e-book can promote sales of the printed version. Some e-books are available in the internet at no cost at all, while others have to be bought. It can provide you with additional revenue from selling your e-books.All New Horizon publishing house not only offers a comprehensive range of publishing, editorial and marketing services; it also offers e-book publishing when you avail of their publishing packages at minimal charges to even no cost at all.Book MarketingMarketing is a set of activities concerned in making sure that customer needs are meet while getting value from it. According to Philip Kotler, it is a process that deals with identifying and meeting human and social needs profitably. It is usually focused on one product or service, in these case books.Book marketing is the final stage of publication. Once a book is published, publishers use a variety of channels for it to be distributed. Commonly, books are sold through booksellers and other related retailers. Sample copies are sent to publishers within the book industry as pre-release reviews to aid sales.With the advent of the Internet, self-publishing authors utilizes Print on Demand (POD) and e-book publishing, which allows small publishers to operate at a lower production cost while fast-pacing the books marketing. </p>]]></content:encoded> <wfw:commentRss>https://hriusln.info/publish-an-e-book/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Prepare for the Real Costs of Long-Term Health Care</title> <link>https://hriusln.info/prepare-for-the-real-costs-of-long-term-health-care/</link> <comments>https://hriusln.info/prepare-for-the-real-costs-of-long-term-health-care/#comments</comments> <pubDate>Tue, 09 May 2023 18:34:53 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[health care]]></category> <category><![CDATA[good health]]></category> <category><![CDATA[gut health]]></category> <category><![CDATA[gut health diet]]></category> <category><![CDATA[healt usa]]></category> <category><![CDATA[health]]></category> <category><![CDATA[health care costs]]></category> <category><![CDATA[health choice]]></category> <category><![CDATA[health cyberpunk]]></category> <category><![CDATA[health education]]></category> <category><![CDATA[health insurance]]></category> <category><![CDATA[health journey]]></category> <category><![CDATA[health podcasts]]></category> <category><![CDATA[health promotion]]></category> <category><![CDATA[health reform]]></category> <category><![CDATA[health science]]></category> <category><![CDATA[health tips]]></category> <category><![CDATA[healthy]]></category> <category><![CDATA[healthy aging]]></category> <category><![CDATA[healthy eating]]></category> <category><![CDATA[healthy habits]]></category> <category><![CDATA[healthy hacks]]></category> <category><![CDATA[hormone health]]></category> <category><![CDATA[mental health]]></category> <category><![CDATA[metabolic health]]></category> <category><![CDATA[physical health]]></category> <category><![CDATA[private health]]></category> <category><![CDATA[public health]]></category> <category><![CDATA[rural health]]></category> <category><![CDATA[stomach health]]></category> <category><![CDATA[us health]]></category> <guid isPermaLink="false">http://hriusln.info/?p=59</guid> <description><![CDATA[I loved living in Africa. I still love the wild spaces and the live-and-let-live culture. I’ll retire there for sure… my 150-year-old seaside cottage is ready and waiting.But in my younger days, Africa came with a cost: I was far from loved ones. A round-trip ticket to the U.S. cost an entire month’s salary.But sometimes [...]]]></description> <content:encoded><![CDATA[<p> I loved living in Africa. I still love the wild spaces and the live-and-let-live culture. I’ll retire there for sure… my 150-year-old seaside cottage is ready and waiting.But in my younger days, Africa came with a cost: I was far from loved ones. A round-trip ticket to the U.S. cost an entire month’s salary.But sometimes I thought it worth it… such as when my dear grandma entered long-term care late in her life.She was a lovely person; kind and gentle, but with a keen eye for saving a penny.Luckily for her, when she needed round-the-clock care, a combination of sound financial planning and good timing – health care was a lot cheaper then, and Medicare had good benefits – meant she was well-provided for.Those days, however, are over… are you ready?Long-Term Care: It’ll Cost YouConsider these numbers:</p><p>The median cost of a private room in a nursing home is $250 to $350 per day, or about $91,000 to $128,000 per year.</p><p>The median cost of assisted living is $3,628 per month – more than $43,500 per year.</p><p>A home health aide for eight hours per day costs more than $40,000 per year.</p><p>Most people prepare for long-term care by calculating how much of the cost they could handle with retirement income and savings, then looking to insurance to fill any gap.But long-term care insurance premiums have skyrocketed in recent years.People are living longer with chronic diseases such as Alzheimer’s, like Grandma. And insurers didn’t anticipate an extended period of low interest rates, which have hit their investment returns on which they depend to pay future claims.Consequently, premiums on long-term care insurance have soared.In 2000, you could pay $880 per year for a $70 daily benefit, a 50-day waiting period, 5% compound inflation protection and lifetime benefits. Today a similar policy – but with a five-year maximum benefit period – would cost $2,944 per year.Long-term care policyholders face a tough decision: Pay the increased premiums – cutting into your retirement savings! – reduce coverage, or let the policy lapse and lose the benefits.Get Smart InsteadFortunately, there are strategies you can adopt to cope with these rising insurance costs. Here are some of the easiest to implement:</p><p>Buy a combined long-term care and life policy. These pay out whether you need care or not, and the premiums are fixed. A 55-year-old man who pays $10,000 per year for 10 years could get a monthly long-term care benefit of $5,500 for up to six years, growing at 3% compounded per year. If he didn’t need long-term care, his heirs would receive a $130,000 death benefit, or he could cash in the policy and get back 80% of his premiums.</p><p>Add a chronic-care rider to a permanent life insurance policy when you buy it, which lets you use up to 2% of the death benefit per month for long-term care, with a $360 daily maximum. This rider tends to add 10% to 12% to the premiums</p><p>The average long-term care claim is just less than three years. That gives you scope to adjust your policy and save on premiums:Cut inflation protection. Cutting back from 5% to 3% can reduce your premiums significantly. The older you are now, the better this option will be. Someone in his or her 70s, for example, may have already built up a big enough daily benefit at 5% inflation protection that reducing the rate to 3% or lower will be enough in the future.Reduce the coverage term. If you have lifetime benefits, you can usually reduce coverage to three to five years, which covers the average claim period. But be aware that the reduced term may fall short of what you need if you develop a chronic disease.Look for a “paid up” option. Regulators in some states require insurers to offer this option to policyholders who drop their insurance. Instead of losing all the coverage you paid for, you’d get a benefit based on the premiums paid.Of course, there are other ways to reduce your health care costs, now and in the future, such as offshore health care and health savings accounts.Don’t Set It and Forget ItMost people react quickly to changes in the investment environment. They seize opportunities and adjust their portfolios accordingly as asset values change.Unfortunately, the same isn’t always true for insurance. There’s a tendency to buy it and let it ride. Don’t make that mistake.If you don’t have long-term care insurance, consider getting it.If you do, review your coverage and see whether it makes more sense to reduce it and divert some of the savings into your retirement kitty, where it might earn better returns.After all, the future of U.S. health care is more uncertain than ever… and that’s a worry you don’t need. </p>]]></content:encoded> <wfw:commentRss>https://hriusln.info/prepare-for-the-real-costs-of-long-term-health-care/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Commercial Mortgage Commission Agreement – Timing</title> <link>https://hriusln.info/commercial-mortgage-commission-agreement-timing/</link> <comments>https://hriusln.info/commercial-mortgage-commission-agreement-timing/#comments</comments> <pubDate>Tue, 09 May 2023 11:07:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Finance]]></category> <category><![CDATA[Commercial Loans]]></category> <category><![CDATA[Credit]]></category> <category><![CDATA[Credit Tips]]></category> <category><![CDATA[Currency Trading]]></category> <category><![CDATA[Leases Leasing]]></category> <category><![CDATA[Loans]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Personal Loans]]></category> <category><![CDATA[Student Loans]]></category> <guid isPermaLink="false">http://hriusln.info/?p=57</guid> <description><![CDATA[When is the best time to ask your borrower to sign your commercial mortgage fee agreement? There is some debate over this. Though, all seem to agree that it should be before the borrower sees a term sheets that you have collected. This may seem a small detail, it’s one of those little ones that [...]]]></description> <content:encoded><![CDATA[<p> When is the best time to ask your borrower to sign your commercial mortgage fee agreement? There is some debate over this. Though, all seem to agree that it should be before the borrower sees a term sheets that you have collected. This may seem a small detail, it’s one of those little ones that can have a big impact on your wallet.If you’ve ever heard a borrower say, after reviewing a LOI you delivered, “oh, I know this Bank. I’ve talked to them in the past. Well, why do I need you?” than you know what I’m talking about. If you haven’t, than keep brokering commercial loans and you will.Some brokers advocate getting a fee agreement signed while they are collecting documentation. Others recommend getting the borrower moving first, start reviewing and qualifying the proposed deal, than when they are confident there is something to work on, asking for an agreement then. Other will take it a step further, and only ask for the agreement to be signed when they have been issued an LOI from a lender/bank.Which is best? I don’t know and I guess it depends on the deal, the borrower and your style.Some commercial mortgage brokers act as a combination of a broker and an hourly consultant. This is more of a traditional approach and will require additional steps and a more thorough sales process to get borrowers to agree. Often commercial brokers that conduct business this way will only work on an exclusive basis and essentially demand that they will organize and conduct the whole shopping process and no matter what, will get paid. This strategy does have its draw backs though, like being “stuck” on working on deals that turn out to have little chance of funding. And, it can be a very difficult arrangement to sell to the borrower to give up that much control.The other strategies are really about getting the borrower “pregnant” first, i.e. getting them involved than “slipping” the agreement in at the appropriate time. There’s some disagreement on the appropriate time within this as well. For instance, do you present both the Letter of Intent from the lender and your fee agreement at the same time, i.e. present the overall deal at the same time?Others would say that you are putting yourself in a vulnerable position and that you should get the borrower to agree to the fee agreement first, than after signature, present the LOI. This strategy would probably be more fitting if there is a general state of distrust or just a beginning relationship.Whatever you decide, don’t depend on mere words or lose emails to protect you fee. Get it in writing or don’t be surprised if you have issues getting paid. </p>]]></content:encoded> <wfw:commentRss>https://hriusln.info/commercial-mortgage-commission-agreement-timing/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The connection has timed out</title> <link>https://hriusln.info/the-connection-has-timed-out/</link> <comments>https://hriusln.info/the-connection-has-timed-out/#comments</comments> <pubDate>Fri, 05 May 2023 22:15:06 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[business ideas]]></category> <category><![CDATA[etsy small business]]></category> <category><![CDATA[small business]]></category> <category><![CDATA[small business check]]></category> <category><![CDATA[small business ideas]]></category> <category><![CDATA[small business owner]]></category> <category><![CDATA[small business tiktok]]></category> <category><![CDATA[small business tips]]></category> <category><![CDATA[small business vlog]]></category> <category><![CDATA[small scale business]]></category> <guid isPermaLink="false">http://hriusln.info/?p=55</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://hriusln.info/the-connection-has-timed-out/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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