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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>ljthdms.info</title> <atom:link href="http://ljthdms.info/feed" rel="self" type="application/rss+xml" /> <link>https://ljthdms.info</link> <description></description> <lastBuildDate>Fri, 05 Jan 2024 19:56:19 +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>What Happens If I Struggle to Sell My House Online?</title> <link>https://ljthdms.info/what-happens-if-i-struggle-to-sell-my-house-online,html</link> <comments>https://ljthdms.info/what-happens-if-i-struggle-to-sell-my-house-online,html#comments</comments> <pubDate>Sun, 16 Apr 2023 16:14:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[house hunters]]></category> <guid isPermaLink="false">http://ljthdms.info/?p=67</guid> <description><![CDATA[As an online estate agent, we regularly analyse all of our housing stock to make sure that they are marketed in the best light to maximise the chance of selling. There are various factors in particular that we look at. In this article, I’m going to focus on these in further detail.Are you advertising in [...]]]></description> <content:encoded><![CDATA[<p> As an online estate agent, we regularly analyse all of our housing stock to make sure that they are marketed in the best light to maximise the chance of selling. There are various factors in particular that we look at. In this article, I’m going to focus on these in further detail.Are you advertising in the right places?Over 80% of house hunters find their property online with most of those visiting the main five property portals. Find out which websites your agent advertises on, if you are not on all five then your property is not receiving the exposure that it deserves. An online estate agent should list your property on many websites. If you are on these websites but still not receiving the number of leads that you expect then the first thing you should check is the Click Through Rate.Click Through RateThe Click Through Rate is the number of times a home-hunter chooses to click through from seeing a property’s summary details on the search results page of a website, to view more information about the property on its own details page. Basically the higher the Click Through Rate then the more people viewing the property then the greater the chance of leads. Ask your agent what your CTR is, if it falls below 5% then something is wrong either with your asking price or the presentation of the property.PresentationThe presentation of a property is the best way of attracting leads. On the summary page it is important to offer the best reasons possible for a prospective buyer to click through to your property. The main photograph is critical; it needs to show the property in the best light. It is also advisable to change the image to an internal photo or simply use a front shot from a different angle. Research shows that houses hunters regularly trawl websites and by swapping and updating the property images you are more likely to be noticed.PriceIf improving and changing the property presentation doesn’t improve the click through rate then the only answer will be to reduce your asking price. Your estate agent should be able to provide you with valuation reports which will show you how much similar houses in your area are being marketed for. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://ljthdms.info/what-happens-if-i-struggle-to-sell-my-house-online,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Live Corporate Entertainment Options For Meetings and Conventions</title> <link>https://ljthdms.info/live-corporate-entertainment-options-for-meetings-and-conventions,html</link> <comments>https://ljthdms.info/live-corporate-entertainment-options-for-meetings-and-conventions,html#comments</comments> <pubDate>Sun, 26 Feb 2023 13:49:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ljthdms.info/?p=64</guid> <description><![CDATA[The warm climate and endless selection of tourist attractions makes Orlando, Florida an ideal location for conventions, conferences, and trade shows. In fact, Orlando hosts literally hundreds of national and international meetings every day of the year. As your attendees attention will often be drawn away from your convention to the theme parks and nightlife [...]]]></description> <content:encoded><![CDATA[<p> The warm climate and endless selection of tourist attractions makes Orlando, Florida an ideal location for conventions, conferences, and trade shows. In fact, Orlando hosts literally hundreds of national and international meetings every day of the year. As your attendees attention will often be drawn away from your convention to the theme parks and nightlife in Orlando, it is important to provide extra live entertainment and activity incentives at your event. Whether your event is at the Orange County Convention Center or Walt Disney World, this article will give you helpful tips for hiring live entertainment for your Orlando meeting.The first step is to decide what convention activities you would like to have live entertainment at. Be creative in your scheduling, because adding a little unexpected fun throughout the convention will help keep your attendees energized and positive. Everyone expects a show after the gala dinner, but what about before a morning session to wake everyone up or during a break of one of a long afternoon meeting. Thinking outside the box with your entertainment will help make your convention a stand-out event.Once you know where you want the entertainment, then you can begin focusing on what type of entertainment you want. Nowadays, corporate entertainment options are virtually limitless. You could choose to entertain your guests with costumed stilt walkers, magicians, comedians, hypnotists, fire eaters, bands, headline singers, fortune tellers, or acrobats. If your event has a theme then you might want to try to fit that theme. The theme of The Magic of Customer Service fits hand in hand with a magic show. A Mardi Gras event may benefit from fortune tellers, jugglers, and other street entertainers. If you are opening up a session with some entertainment, perhaps you want to consider a comedian or a comedy actor who could present a fake motivational speech to get everyone laughing. Don’t be afraid to break away from tradition. If you always have a stand-up comedian at your dinner, try a comedy hypnotist or corporate game show to give your guests something fresh and new.When you have narrowed down your selection to one or two types of acts, then you need to begin your search for specific entertainers. You can make your search easier by first deciding on the criteria for what you want in your entertainment. Do you want a national act or a local act? Does the act have to be squeaky clean or is a little PG-13 or R rated material appropriate for your group? Do you want a show that is interactive and involves members of the audience? How long of a show do you want? (Planning hint: Most after dinner shows run between 45-60 minutes, any longer and you risk your audience getting restless). Does the performer have to work with any special performance restrictions (is the show outside, is space limited, etc)? All of these items on your list should be used to screen potential entertainment choices.You can start your search for entertainers online. There is no shortage of entertainers with websites. If you find a site of an entertainer that interests you, contact the entertainer to find out their fees, availability, and to see if they are able to meet your list of criteria. If they are not on the web site, be sure to ask for references or letters of recommendation from past clients. If the performer is a true corporate entertainer, they will have already performed for a client in the same industry as your company. Also, be sure to convey any special requests or potentially unique situations about your event with the booking manager before signing any contracts. Conversely, it is also important to ask what the entertainer is going to need you to supply for the performance. This will allow you to budget for any audio visual or staging rental needs, and avoid any unpleasant last minute surprises.When you are searching online for an entertainer, beware of directory sites such as Gigmasters, who list thousands of entertainers who have paid to advertise on the site. Many of these websites will take your contact information and send them to dozens of their entertainers, and you will be barraged with emails and calls from entertainers you are not even interested in.The Walt Disney World and Universal Orlando Resorts both have live entertainment departments that organize entertainment for the theme parks as well as for conventions held on resort property. If you are holding your event at a hotel or venue on one of these theme park properties, you can ask your site contact about entertainment options available.The positive side of booking theme park entertainers is that it allows you to bring a little bit of the theme park magic to your convention guests. The drawback is that you will be paying a premium for entertainment that your guests could often see for free while visiting the parks. </p>]]></content:encoded> <wfw:commentRss>https://ljthdms.info/live-corporate-entertainment-options-for-meetings-and-conventions,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Getting Started in Investment</title> <link>https://ljthdms.info/getting-started-in-investment,html</link> <comments>https://ljthdms.info/getting-started-in-investment,html#comments</comments> <pubDate>Fri, 03 Feb 2023 18:03:32 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ljthdms.info/?p=62</guid> <description><![CDATA[Understanding investmentInvestment can seem like an attractive option for increasing return on your capital, especially when interest rates on savings accounts are so low.Whether you are looking to invest yourself, or for someone to invest your cash on your behalf, there are several factors you should consider before you begin.How much can you afford to [...]]]></description> <content:encoded><![CDATA[<p> Understanding investmentInvestment can seem like an attractive option for increasing return on your capital, especially when interest rates on savings accounts are so low.Whether you are looking to invest yourself, or for someone to invest your cash on your behalf, there are several factors you should consider before you begin.How much can you afford to invest? It is important to recognise that when you begin investing your money you will introduce an element of risk to your capital. Generally the higher the potential for return the higher the risk to your capital, so don’t be sucked in by high rates but consider carefully how the investment would sit with your attitude to risk.Before you start investing you should ensure that you finances are in order and that you are not investing with money that you can afford to risk losing. For example, will you be able to pay all your debts easily? Do you have a buffer of savings to fall back on? Many experts recommend that you have the equivalent of at least three months wages to fall back on in case of hard times.Why are you investing?Before deciding on the right investment option for you, you should have some sort of financial goal in mind. Are you looking to generate an income from your investment, or simply to increase your capital?Set a time frame within which you can realistically achieve your financial goals, and decide on how long you are willing to commit your capital in order to achieve your desired returns. This will help you to find the right kind of investment for you. If you have goals in mind, you can easily tell when they do not live up to or exceed your expectations.What type of investment?There are four main investment options available-1) Stocks and shares2) Investment funds (including Unit trusts, OEICs and tracker funds)3) Investment trusts4) BondsThe right one for you will depend on you attitude to risk. For example bonds tend to be a safer option than investing in stocks and shares, but you will be likely to see lower returns. which option is most suitable for you will also depend on whether you are looking to make a lump sum investment or if you want to invest more regularly in smaller amounts.DiversificationInvestment almost inevitably comes with an element of risk, however by diversifying your investments you can reduce risk. Investing in areas of assets that have little in common means that if one area fail it won’t take your full investment down with it. You can diversify your investments by putting money into different companies, markets, assets or types of investment.Understanding investment can be complex, and you may want to seek professional advice. </p>]]></content:encoded> <wfw:commentRss>https://ljthdms.info/getting-started-in-investment,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Tips to Be Followed While Traveling</title> <link>https://ljthdms.info/tips-to-be-followed-while-traveling,html</link> <comments>https://ljthdms.info/tips-to-be-followed-while-traveling,html#comments</comments> <pubDate>Fri, 03 Feb 2023 14:11:53 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ljthdms.info/?p=60</guid> <description><![CDATA[Traveling is exciting. It is one of the most rewarding and enriching experiences for each and everyone. We need to travel to change the sight of those who are around us and avoid the depression of being in the same place. When we travel with our family, it strengthens the relationship bond which seems to [...]]]></description> <content:encoded><![CDATA[<p> Traveling is exciting. It is one of the most rewarding and enriching experiences for each and everyone. We need to travel to change the sight of those who are around us and avoid the depression of being in the same place. When we travel with our family, it strengthens the relationship bond which seems to lose its grip. It is also possible to see and experience different cultures, sights, and spots which you have never been before. Before traveling to a new destination, try to get as much information as possible about the destination.It helps to make your journey more comfortable. Even though traveling is very exciting we should not forget that there are risks in traveling. It is a must to take care of yourself and your belongings.Crime is a fact throughout the world. In most of the places, tourists are targeted for theft. To have a safe and pleasant vacation, it is a must to follow the safety travel tips. If you tend to over pack, then it becomes a problem from the very start itself. It is important to travel light in order to reduce hassle and stress. Traveling light helps you be free to move around without worrying about your baggage. It is smart to avoid wearing Expensive-looking jewelry. It is a wise idea to put your valuables in various places rather than all in one wallet or pouch. Avoid handbags, fanny packs and outside pockets that are easy targets for thieves. Do not use shortcuts, narrow alleys or poorly lit streets. Never discuss your travel plan with strangers. Avoid wandering through unfamiliar areas alone, always remain alert.It is important to stay healthy throughout your trip to make your trip more enjoyable. It is quiet common to fall sick when you are traveling to a new place. Traveling can bring you in contact with things that your body has not been used to. Be aware of endemic diseases and have appropriate shots and pills with you. Before leaving, rest as much as possible to speed up the recovery period. In addition, try to have a balanced diet rich in fruits and vegetables and stay well hydrated. It is better to drink bottled water, also avoid eatables from road side vendors.It is a best idea to scan your passport and travel documents and e-mail them to yourself. If your documents are lost or stolen you can easily access copies from your e-mail.It is best to use Credit or debit cards to access your money. Take some travelers cheques or small amount of cash when you have to carry them on person. Once you deal with all of the above, it is sure to have a safe and stress free journey. </p>]]></content:encoded> <wfw:commentRss>https://ljthdms.info/tips-to-be-followed-while-traveling,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>A Guide to Property Valuations</title> <link>https://ljthdms.info/a-guide-to-property-valuations,html</link> <comments>https://ljthdms.info/a-guide-to-property-valuations,html#comments</comments> <pubDate>Tue, 31 Jan 2023 15:23:49 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ljthdms.info/?p=58</guid> <description><![CDATA[What is a Property Valuation? A property valuation is often conducted by a qualified and certified valuer on the request of a lender/credit provider who is looking to fund the purchase of a property. The valuation can also be requested by you (if required). Why do Lenders require a Property Valuation? It is an essential [...]]]></description> <content:encoded><![CDATA[<p>What is a Property Valuation?</p><p>A property valuation is often conducted by a qualified and certified valuer on the request of a lender/credit provider who is looking to fund the purchase of a property. The valuation can also be requested by you (if required).</p><p>Why do Lenders require a Property Valuation?</p><p>It is an essential part of the home loan application process and is usually performed by when lenders are in the process of financing a property. The lender/credit provider will usually use their own nominated panel or preferred licensed property valuers.</p><p>Property valuation is requested for number of reasons, such as:</p><p>To assist in the calculation of the Loan-to-Value Ratio (LVR)</p><p>Develop an opinion of the market value of the property</p><p>Assess the value of land, buildings, improvements and other factors that influence the current and past value of your property (i.e. the process involves both external and internal inspection of the property)</p><p>What Information is available in Property Valuation Reports?</p><p>Property valuation reports will include the following relevant property information details:</p><p>Executive Summary – which is a summary of the report itself showing who ordered the report and who the owner of the property is to be</p><p>Land Details – such as dimensions and area</p><p>Title Particulars – shows the Title volume and folio numbers and any other encumbrances registered on Title</p><p>Topography – a description of the land and the area</p><p>Services – what infrastructure is available e.g. water, electricity, sewerage</p><p>Town Planning – the Zoning of the property and if the buildings conform to that zoning</p><p>Planning Constraints – whether the property has any Council planning constraints</p><p>Environmental – if any environmental issues are in evidence</p><p>Location – describes where the property is in relation to CBD’s and other suburbs</p><p>Improvements, which include:</p><p>Dwelling Description – a brief statement of the dwelling</p><p>Construction – describes the materials used e.g. brick and tile</p><p>Accommodation – the number of rooms and the type of rooms within the building</p><p>PC Items – covers the kitchen, bathrooms, laundry</p><p>Fixtures& Features –describes such items as the air conditioning, ceiling fans and floor type, etc.</p><p>Other Improvements – will show a swimming pool (if installed), and fencing</p><p>Building Areas – shown in square meters the living, outdoor and garage areas</p><p>Condition</p><p>Photographs of Improvements – photos of the building in and outside</p><p>Comparable Sales – shows the recent sale of other properties in the same area</p><p>Sales Evidence – lists the address, sale price and date of sale</p><p>Risk Analysis – shows the property risk and marker risk ratings on a scale of 1-5 with 1= low risk and 5=high risk</p><p>Comments – Valuers overall assessment of the property</p><p>Valuation Approach</p><p>Remember that several factors constitute the property valuation report. If you keep in mind the factors mentioned in this guidebook, it will enable you in choosing the right property.</p><p>Are you considering buying a property? If you are looking for finance, the Team at Finance Me will help you in your Home Loan journey. Enquire online now.</p>]]></content:encoded> <wfw:commentRss>https://ljthdms.info/a-guide-to-property-valuations,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Understanding Different Types of Land Titles in Australia</title> <link>https://ljthdms.info/understanding-different-types-of-land-titles-in-australia,html</link> <comments>https://ljthdms.info/understanding-different-types-of-land-titles-in-australia,html#comments</comments> <pubDate>Tue, 31 Jan 2023 15:23:10 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ljthdms.info/?p=56</guid> <description><![CDATA[What is Land Title? Each state and territory has a central register of all the land in the respective state and territory which, shows the owner of the land. Each state and territory Land Titles Registers provide search facilities. A Land Title can be best defined as being: the right of ownership of property, or [...]]]></description> <content:encoded><![CDATA[<p>What is Land Title?</p><p>Each state and territory has a central register of all the land in the respective state and territory which, shows the owner of the land. Each state and territory Land Titles Registers provide search facilities.</p><p>A Land Title can be best defined as being:</p><p>the right of ownership of property, or</p><p>the documents constituting evidence of that ownership</p><p>What are the Most Common Title Ownerships?</p><p>Here is a list of the most common title ownerships you can encounter in Australia. The list may help when you are deciding which Title applies to any property you are interested in and which Title you may require:</p><p>Torrens Title (also known as Freehold Title), and</p><p>Strata Title</p><p>Other Title ownerships you may encounter are Leasehold Title and Company Title.</p><p>What is a Torrens/Freehold Title?</p><p>Torrens Title is a modern simplified system of land ownership showing title to the land through a document called the Certificate of Title. This document is registered at a central registry (i.e. the government’s Land Titles Office). The original Certificates of Title remain in the register, and the duplicates are held by the following parties:</p><p>The Owner</p><p>The Registered Proprietor, Or</p><p>The Mortgagee (i.e. the lender/credit provider)</p><p>Interestingly, the greatest number of properties in Australia fall under the Torrens Title system as this system covers almost all Residential Title and most Commercial Titles.</p><p>What is a Strata Title?</p><p>Strata Titles form part of what can be called Strata Plan Developments and these Titles are commonly found in the following buildings because, a Strata Title allows for parts of the building (referred to as “Lots”) to be owned by different owners:</p><p>for Home Units/Apartments, and</p><p>for Townhouses</p><p>What are the Most Common Strata Plan Developments?</p><p>Here is a list of developments that can exist under a Strata Plan:</p><p>Residential</p><p>Commercial</p><p>Retail</p><p>Mixed use (i.e. retail and/or commercial and/or residential)</p><p>Serviced Apartments</p><p>Retirement Villages</p><p>Caravan Parks, and</p><p>Resorts</p><p>What is Common Property?</p><p>Any part of a building in a Strata Plan Development that does not form part of the Home Unit/Apartment or Townhouse forms the Common Property. The Common Property can consist of any of the following areas:</p><p>Roads, Driveways, Pathways, Fences and Gardens</p><p>External Common Walls and Roof</p><p>Stairways and Entrance Halls</p><p>Meeting Room, and</p><p>Recreational Facilities (e.g. Tennis Court, Golf Course, Swimming Pool, Gym, Sauna, etc.)</p><p>What is the Responsibility of a Strata Owner?</p><p>Common Properties are owned by all strata “owners” in proportion to their unit entitlements. The Common Properties are managed by the Body Corporate or Strata Company, and each owner is responsible for the Common Property and will share in the cost of upkeep and maintenance of the Common Property areas.</p><p>How is a Torrens Titled Lot different to a Strata Titled Lot?</p><p>Here is a list of differences between a Torrens Titled Lot and a Strata Title Lot:</p><p>Torrens Titled Lots are:</p><p>Created under the Transfer of Land Act 1893, and</p><p>The Transfer of Land Act does not allow for implied easements</p><p>Strata Titled Lots are:</p><p>Created under the Strata Act 1985</p><p>The Strata Titles Act allows for sharing of access to services and maintenance of such services (i.e. water, sewerage and electricity), and</p><p>These services can pass through Common Property and other lots in the Strata Development Scheme</p><p>Are there any Common Features between a Torrens Title and a Strata Title?</p><p>Yes, there are some common features, such as:</p><p>A Strata Title is as secure as a Torrens Title</p><p>Both Titles can be bought, sold and mortgaged, and</p><p>Both Titles have permanent tenure</p><p>What is a Leasehold Title?</p><p>Interestingly:</p><p>Leasehold is the method utilised over government properties held in rural areas (e.g. the large cattle or wheat properties that are held under long-term or perpetual lease, and</p><p>At times, the state governments may decide to subdivide and release the above rural properties if the area became desirable for residential development</p><p>All land is held under “Leasehold” in the Australian Capital Territory (ACT), and</p><p>Some old church properties, Island Resorts are also tenanted as “Leasehold”.</p><p>What is a Company Title?</p><p>There is little known about this type of title amongst the general public. The little information known is that:</p><p>Company Titles originated almost a century ago but may still be present in some areas, and</p><p>In a Company Title, a company will be the owner of the company complex.</p><p>What Title Tenures Apply to Retirement Villages?</p><p>There are a number of very good Retirement Villages offering different types of tenures. However, the most common Titles in Retirement Villages are:</p><p>Freehold Titles, and</p><p>Strata Titles</p><p>So, now that you have read about Land Titles, I hope you have a good understanding about different types of Title Ownerships. However, it is always wise to seek expert legal advice if you still require further information on Title Ownership and what Title applies to your desired residence.</p><p>Now that you know about the Land Titles that can apply to any property you are interested in, make a quick property purchase and an approval with Finance Me – The Finance Experts.</p>]]></content:encoded> <wfw:commentRss>https://ljthdms.info/understanding-different-types-of-land-titles-in-australia,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Debt – Taking Control of your Financial Situation</title> <link>https://ljthdms.info/debt-%e2%80%93-taking-control-of-your-financial-situation,html</link> <comments>https://ljthdms.info/debt-%e2%80%93-taking-control-of-your-financial-situation,html#comments</comments> <pubDate>Tue, 31 Jan 2023 15:22:41 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ljthdms.info/?p=54</guid> <description><![CDATA[Tips on Debt Solutions Available in Australia Debt can be a winding cycle that people ignore until the situation becomes worse. If you are in debt, you need to find a solution as soon as you can. Managing debt effectively involves paying off debts regularly to preserve your credit rating and get your finance back [...]]]></description> <content:encoded><![CDATA[<p>Tips on Debt Solutions Available in Australia</p><p>Debt can be a winding cycle that people ignore until the situation becomes worse. If you are in debt, you need to find a solution as soon as you can. Managing debt effectively involves paying off debts regularly to preserve your credit rating and get your finance back on track.</p><p>Income and Expenses</p><p>One of the crucial steps that will begin your journey towards freedom from debt is to list down your monthly expenditure and categorizing that according to necessities and non-essentials. Use your budget to create columns for your expenses and income. The ideal situation is for your income to exceed your expenses.</p><p>Use Cash</p><p>Avoid using your credit card by adopting the habit of using cash to pay for your purchases. This will limit your spending to the cash that you actually have. Save all your extra money and set aside a savings account for it to pay off your loans.</p><p>Reduce Expenses</p><p>Reducing your expenditure regularly will enable you to have more money for this type of fund and get out of debt faster. Think about the expenses that you do not need because the goal is to reduce your expenses and channel more money towards paying off your debts.</p><p>Increase Income</p><p>If you are unable to lower expenses, you will have to earn more income. Whether you need an extra source of income such as working part-time or starting a business, more income will be necessary. Extra income can be used to pay off debts.</p><p>Consistency</p><p>Aim for consistency within your budget and set a target that will determine how much you pay every month regardless of your circumstances.</p><p>Recommended approaches for paying off credit card debt include paying off smaller debts or high interest loans first. The goal is to lower balances and speed up the process of eliminating debt.</p><p>You can seek a debt consolidation loan. By lowering your debts and you continue to make the same payments each month you will pay these debts off quicker. If you pay off one debt, move on to the next creditor and continue making your regular payments.</p><p>Savings</p><p>While paying off debts, remember to keep saving money. If you encounter an emergency without adequate savings, you may end up further in debt. This would be a major setback that you can avoid by making sure that you have a savings account.</p><p>Contact Professionals</p><p>If you need professional assistance, you can research on different debt solutions and programs to gain insight into how they can help you. If you have lenders who are unwilling to negotiate and you are overwhelmed by debt, finance professionals can help you overcome the problem. Contact a reputable company that offers solutions such as debt settlement and debt consolidation.</p><p>Consultants and experts negotiate with lenders to reduce rates and debt amounts. They can settle, renegotiate and adjust your debt terms with creditors. This includes lowering the balance, reducing amount owed and interest rates. Choose a solution or program according to the terms and how much you will be able to save.</p>]]></content:encoded> <wfw:commentRss>https://ljthdms.info/debt-%e2%80%93-taking-control-of-your-financial-situation,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Will Australian banks lend money for tax debt?</title> <link>https://ljthdms.info/will-australian-banks-lend-money-for-tax-debt,html</link> <comments>https://ljthdms.info/will-australian-banks-lend-money-for-tax-debt,html#comments</comments> <pubDate>Tue, 31 Jan 2023 15:22:16 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ljthdms.info/?p=52</guid> <description><![CDATA[Most Australian Banks will not approve loans to help you refinance your ATO tax debt. We can help you refinance your tax debt to put you back on the front foot, back in control. What is a Tax Debt? The tax debt or liability is the total amount of debt (money) a taxpayer or entity [...]]]></description> <content:encoded><![CDATA[<p>Most Australian Banks will not approve loans to help you refinance your ATO tax debt. We can help you refinance your tax debt to put you back on the front foot, back in control.</p><p>What is a Tax Debt?</p><p>The tax debt or liability is the total amount of debt (money) a taxpayer or entity is legally obligated to pay the government as the result of the occurrence of a taxable event. Different taxable events command different tax liabilities and include, but are limited to:</p><p>The receipt of Annual Income (i.e. money)</p><p>All revenues derived from a business, less all expenses</p><p>The sale of an asset for profit (i.e. real estate, stocks, liens, a patent, accounts receivables, or a claim on debts), or</p><p>An inheritance of money or assets from an estate</p><p>How is a Tax Debt Recorded in Financial Statements?</p><p>The tax liability is recorded as a short-term liability in financial statements, and takes precedence over all other liabilities.</p><p>How are Tax Liabilities Incurred?</p><p>Tax liabilities are mostly incurred because; taxpayers (entities) are not setting aside enough cash (money) in the event of the following occurrences:</p><p>Large increase or decrease in earnings</p><p>Accountant errors, bookkeeper errors or tax planning errors</p><p>A change in the circumstances of a business</p><p>Unsound budgeting for tax obligations (i.e. accrued or assessed taxes)</p><p>Are you Able to pay your Tax Liability?</p><p>Every financial year you may be just like many other taxpayers or entities whereby you, find yourself in a situation, where you have not put aside the necessary cash to pay the tax liability you may owe to the government for any or all of the following taxes:</p><p>PAYG Tax</p><p>Goods and Services Tax</p><p>Business Tax</p><p>Fringe Benefits Tax, or</p><p>Capital Gains Tax</p><p>What Options do I have to pay my Tax Liability?</p><p>Like many other debt problems, tax liabilities will not go away. You may be able to arrange a “Payment Plan” with the ATO. However, the payment terms may or may not be suitable for you, because:</p><p>The ATO will usually require you to pay back the whole debt in 1-2 years and this can make your ATO payment structure plus your ongoing tax liabilities difficult to sustain</p><p>The ATO will usually not re-instigate a payment plan if you have missed any payments, even by one day</p><p>Can I refinance my home loan to pay my Tax Liability?</p><p>Yes, if you are unable to pay any of your tax liabilities, do not take tension. Simply contact a reputed brokerage firm. It will arrange a tax liability loan and ensure that the following actions are not taken against you by the Australian Taxation Office:</p><p>A Court Judgment</p><p>Outsource the debt owing to a debt collection agency, or</p><p>Even force you into Bankruptcy</p><p>So, this is how you can obtain tax debt loans and pay off your tax liability.</p><p>Are you worried about paying off your tax liability? Contact Non Conforming Loans and put all your worries to rest with tax debt loans. You can even obtain low rate commercial property loans to pay out your tax liability.</p>]]></content:encoded> <wfw:commentRss>https://ljthdms.info/will-australian-banks-lend-money-for-tax-debt,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>A Guide to Non Conforming Lenders for “Out of the Box” Lending Scenarios</title> <link>https://ljthdms.info/a-guide-to-non-conforming-lenders-for-%e2%80%9cout-of-the-box%e2%80%9d-lending-scenarios,html</link> <comments>https://ljthdms.info/a-guide-to-non-conforming-lenders-for-%e2%80%9cout-of-the-box%e2%80%9d-lending-scenarios,html#comments</comments> <pubDate>Tue, 31 Jan 2023 15:21:47 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://ljthdms.info/?p=50</guid> <description><![CDATA[Non Conforming Home Loans There are many reasons why people get turned down for a home loan by mainstream lenders/credit providers. You may not realise that one of the most common reasons is paying a bill late or defaulting on a loan repayment. Other reasons include having a part 9 debt agreement against you, a [...]]]></description> <content:encoded><![CDATA[<p>Non Conforming Home Loans</p><p>There are many reasons why people get turned down for a home loan by mainstream lenders/credit providers. You may not realise that one of the most common reasons is paying a bill late or defaulting on a loan repayment. Other reasons include having a part 9 debt agreement against you, a bankruptcy, a default on a credit card or a loan or having court judgements against you. Don’t despair as non conforming home loans can give people who have bad credit history the opportunity to buy or refinance a property and rebuild their credit rating. Such home loans are the perfect way of making your dream home a reality.</p><p>How do I know if I have Bad Credit?</p><p>You will probably have bad credit if:</p><p>You are a Bankrupt</p><p>You have a Part 9 Debt Agreement against you</p><p>You have a Default registered in your name</p><p>You have Court Judgements against you, or</p><p>You have missed credit card, loan or mortgage payments</p><p>You should also try and avoid making lots of enquiries/searches for credit as these enquiries/searches will give you an adverse credit history and will also affect your credit rating.</p><p>Non-Conforming Home Loans provided by Specialist Lenders</p><p>Providing debt solutions is a specialist market and fortunately there are a number of specialised lenders/credit providers that concentrate on understanding and providing the best non-conforming home loan solutions to individuals.</p><p>Specialist lenders/credit providers are concerned about responsible lending (making sure you can afford the repayments and thereby avoid further debts), and also that you concentrate in “rebuilding” and “repairing” your credit rating.</p><p>Effectively, specialist lenders/credit providers will:</p><p>Assess each person independently and on a case-by-case basis</p><p>Consider your potential to repay the non-conforming bad credit home loan rather than just look at your history</p><p>Assess when and why your credit problem occurred</p><p>Assess who you defaulted against and what has happened since, and</p><p>Consider your explanation as to the reason of your bad credit or default, etc.</p><p>The main documents that will help in determining your acceptance for a bad credit home loan will be:</p><p>Your proof of income</p><p>Your secure and permanent employment, and</p><p>Your proof of recent loan or mortgage repayments</p><p>You will find it useful to seek expert and specialist advice from a professionally qualified finance broker who has a thorough knowledge of the credit policies and standard requirements for non-conforming home loans. A specialist bad credit finance broker will give you impartial advice on the best non-conforming home loan available.</p>]]></content:encoded> <wfw:commentRss>https://ljthdms.info/a-guide-to-non-conforming-lenders-for-%e2%80%9cout-of-the-box%e2%80%9d-lending-scenarios,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://ljthdms.info/crypto-currency-vs-fiat-currency,html</link> <comments>https://ljthdms.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://ljthdms.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://ljthdms.info/crypto-currency-vs-fiat-currency,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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