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  22. <title>How A Business Loan Helps Business People</title>
  23. <link>https://lllamms.info/how-a-business-loan-helps-business-people,html</link>
  24. <comments>https://lllamms.info/how-a-business-loan-helps-business-people,html#comments</comments>
  25. <pubDate>Thu, 16 Mar 2023 07:20:49 +0000</pubDate>
  26. <dc:creator>admin</dc:creator>
  27. <category><![CDATA[Uncategorized]]></category>
  28. <category><![CDATA[amwaems.info]]></category>
  29.  
  30. <guid isPermaLink="false">http://lllamms.info/?p=63</guid>
  31. <description><![CDATA[Overview: Becoming a self-employed businessman is a great reputation in the society but the problems faced by the entrepreneurs from the day one of their business is enormous. It is a great challenge for a person to overcome all obstacles to become a successful businessman. The numerous problem faced by all is finance. Even great [...]]]></description>
  32. <content:encoded><![CDATA[<p> Overview:<br />
  33. Becoming a self-employed businessman is a great reputation in the society but the problems faced by the entrepreneurs from the day one of their business is enormous. It is a great challenge for a person to overcome all obstacles to become a successful businessman. The numerous problem faced by all is finance. Even great entrepreneurs of various industries have struggled a lot of financial crisis for setting up their business and to run their daily business operations. Thus finance plays a major role in the life of business people. Great ideas require the necessary financial support to bloom into a successful business.Introduction:<br />
  34. There are various sources for business people to raise capital for their business. The most trusted source is from banks. There are various reasons why people choose banks as the best source for raising capital for their business. Banks provide a lower cost of funds in the form of Business Loans. There are various types of business loans at differential interest rates to facilitate business people to solve their financial crises.Types of Business Loans:<br />
  35. Businesses are of different types and need finance at different stages of their business operations. The need also being different, banks help them in providing different types of business loans helping various small and medium enterprises to raise capital.New Project Loan &#8211; Banks are interested in funding for new businesses and also for new projects of existing business. There are various criteria for getting new project loan and differs from bank to bank. Project loans are approved against the collateral of the person like residential property, commercial property or empty land.Top-up on Existing Loans &#8211; These loans are issued for expansion, replacement, diversification of an existing business. These loans are approved for short term or long term basis to buy goods, machinery or any fixed assets for the company.Working Capital Loans -These loans are provided for the business to solve sudden financial crises and repaid within short durations. Banks are more interested in providing working capital loans against their inventories, stocks or receivable bills of the company.Secured Business Loan &#8211; Business loans in which companies raise their capital against any security for the bank. It may include plot, residential or commercial places, gold, shares, bills, insurance as collateral to get funds for their business. The interest rate is preferably less.Unsecured Business Loan &#8211; Every businessman cannot afford to pledge a security in getting the business loan, so bankers help them with loans without any security based on bank transactions and income tax returns. These loans are charged with more interest rates when compared to secured business loans.Requirements of the Banks:<br />
  36. There are various steps and procedures followed by banks to provide funds. The procedure and documents to be submitted to the banks as followsIdentity and address proof of the company &#8211; Address proof and identity proof of partnership or proprietor business.Statutory legal registration of the company &#8211; Whether the company is legally registered under government norms and have followed all procedures legally in setting business.Financial statement of the company &#8211; Every bank is interested in seeing the recent 1-year business transaction of the company.Income tax returns &#8211; ITR helps the bankers to check the business performance, efficiency level, assets and liabilities of the company and also tax that company pays from their current earnings. This also plays a major role in deciding the loan amount for the business people.Financial Security &#8211; It includes the fixed and movable assets of the company which helps the banker to consider providing business loans based on the asset value along with the business transactions. This also safeguards banks from the failure of businessmen that fail to repay the loan amount.Previous Loan track &#8211; This is a very important factor considered by banks which will help them evaluate the financial condition of the business and also to check on past repayments on loans.Litigation &#8211; It will help banks assess the character of businessmen before providing a business loan.Takeaway:<br />
  37. Though business loans are found to be a great source for raising capital, businessmen undergo challenge in getting timely funds from the banks. In order to help them in availing timely loans, even NBFC is also now prepared to help them with funds at various stages of their business. Banks &#038; NBFC have also made the lending process easy, with all verification done in shorter time-span, doorstep assistance in collecting documents etc. Businesses with good cash flows &#038; credit score can avail timely funds with much ease. </p>
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  41. </item>
  42. <item>
  43. <title>Cheapest Airline Tickets &#8211; How to Find Best Travel Deals</title>
  44. <link>https://lllamms.info/cheapest-airline-tickets-how-to-find-best-travel-deals,html</link>
  45. <comments>https://lllamms.info/cheapest-airline-tickets-how-to-find-best-travel-deals,html#comments</comments>
  46. <pubDate>Fri, 24 Feb 2023 11:34:42 +0000</pubDate>
  47. <dc:creator>admin</dc:creator>
  48. <category><![CDATA[Uncategorized]]></category>
  49. <category><![CDATA[Adventure Travel]]></category>
  50. <category><![CDATA[Airline Travel]]></category>
  51. <category><![CDATA[Budget Travel]]></category>
  52. <category><![CDATA[Charter Jets]]></category>
  53. <category><![CDATA[Travel Planning]]></category>
  54. <category><![CDATA[Vacation Homes]]></category>
  55.  
  56. <guid isPermaLink="false">http://lllamms.info/?p=61</guid>
  57. <description><![CDATA[So you are in the market for cheap airline tickets, but not sure where to start and how to find the best travel deals. The reality is that in order to find the cheapest flight fares and schedules you need to know when and where to look and how to search. Yes, it is that [...]]]></description>
  58. <content:encoded><![CDATA[<p> So you are in the market for cheap airline tickets, but not sure where to start and how to find the best travel deals. The reality is that in order to find the cheapest flight fares and schedules you need to know when and where to look and how to search. Yes, it is that easy, and all you need to know is several tricks. First of all, do you need a domestic or an international travel ticket?Domestic Air TravelThese can be US domestic flight or flights within Europe, or within any country or other continent. If you are looking great flight deals, you need to know WHERE to look for low airfares. If you are looking for flights within the US, you may contact local US airlines or travel agencies or look up flights on the online travel search engine.Airlines compete among each other and they can give great flight deals (just know WHEN to look). Travel agencies might also find you great deals. Here is the truth&#8230; lately several airlines and several large and well known travel agencies started having some issues and several airline banned those huge agencies from selling their airline tickets. Therefore, small and specialized agencies still do have very good contracts with major airlines of the world. So, my advise is to look who has the best flight deal, not at the size of the agency or the popularity. At the end of the day, it matters how much you pay for the ticket and that you have a confirmed seat.Most smaller travel agencies have online only booking so they can save YOU money by eliminating staff salaries. Most of the time travel agencies use the same fares as airlines offer (unless negotiated better rates), but usually with 0 commission. Since agencies need to survive, they are forced to add a small service fee on the top of the ticket price. If you do not mind that, call your travel agent or best of all go online and check flights yourself. If you are traveling within Europe, you might want to contact a travel agent or search online travel agents&#8217; websites first. In Europe local travel agencies and agencies outside Europe that specialize in international travel will have low fares because they use very low so called consolidator fares. This is nothing else, but negotiated contracts with airlines to sell special very low priced airline tickets.International TravelWhether you live in the US or other country, you travel internationally if you leave your country of residence.What concerns transatlantic, transpacific or other between countries international travel, your best bet is a travel agency. The consolidators will offer you the best fare deals and will find you the best schedules. Depending on personal preferences, some might prefer talking to a travel agent, while others would want to do their own fare search online at their own pace. There is no right or wrong choice here. As long as you find a flight and a fare that works for you, you succeed. HOW to find a travel agency or a good travel website Always work with the travel agent or travel website that specializes in your travel destination or region. For example, if you need to fly from the US to Europe, search for &#8216;flights to Europe&#8217; or so. Usually online search will give you best results. Check several websites or call several travel agents and compare the deals.NOTE, you might know lots of huge agencies like Travelocity, Orbitz, etc. They might seem attractive to you because they are big and well known. But they will not always give you the best flight, hotel or cruise deals. They might be good for US domestic travel, but not always for international travel.HOW and WHEN to search for best faresWhere you need a flight, hotel or a cruise, you need to know how to find the best fares and when to look for those. Let&#8217;s say that you found a travel agent or travel website that specialized in your travel destination.5 tips on How to Find your Best Travel Deal:<br />
  59. Be Flexible. In order to find lowest price, you might need to be flexible on travel dates, arrival/departure times, airlines, and sometimes destinations. In short, there are different price levels for every flight and the only difference is the price and number of seats an airline assigns to that price level. Therefore, all depends on when you buy a ticket, how popular is the destination, travel season (peak or low), and how full the flight gets.<br />
  60. Book domestic travel tickets as early as you can (this applied to some international travel as well). Most domestic airlines have best fares with 21, 14, and 7 day advance purchase. This means that you may find lower fares when booking (= purchasing) a flight this many days before the flight.<br />
  61. &#8216;Play&#8217; with the search. This means that you need to be creative when searching for flights. Check flights couple days or weeks (if possible) earlier and later, check various airlines, different connections (an airline might have several hubs or fly with 1 or several connections), search based on price and try searching based on schedule (you&#8217;ll see different results).<br />
  62. Check travel package deals. If the purpose of your travel is vacation, instead of booking flights, hotel, and car rental separately, check on travel package rates. Sometimes your total package rate is lower that if you book everything separately.<br />
  63. Use miles or points when possible. Apply for airline/ hotel/ car rental, etc. frequent traveler programs. They are FREE, and you can get lots of benefits. For example, I cannot remember the last time I paid for a hotel room when Hilton Hotel is in my destination. Check out hiltonhhonors.com website. Go to the airline, car rental, or hotel websites and sign up. The only disadvantage of using miles and points is that you need to book your travel early as there is limited number of seats for miles or points on the plane and they go fast.If you cannot decide whether to use an airline or a travel agent, here are some suggestions.AIRLINE vs. TRAVEL AGENT/AGENCY WEBSITE Advantages of booking a ticket with an airline:</p>
  64. <p>you are talking directly to the carrier, the entity responsible for a flight<br />
  65. it may take much less time to deal with the airline directly (if an agent knows his/her job)<br />
  66. airline customers representatives are usually open 24/7Advantages of using travel agents or travel websites:<br />
  67. lower negotiated (consolidator) fares<br />
  68. more flight options; travel agents/travel websites search all possible airlines, not just one<br />
  69. low fares available 24/7 given that an agency has a online booking systemPlease send in your comments on how you find your best deals, and I shall be happy to share them with the rest of the world. Good luck! </p>
  70. ]]></content:encoded>
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  72. <slash:comments>0</slash:comments>
  73. </item>
  74. <item>
  75. <title>National Health Care System In Japan And Taiwan &#8211; Would It Be Possible For Us?</title>
  76. <link>https://lllamms.info/national-health-care-system-in-japan-and-taiwan-would-it-be-possible-for-us,html</link>
  77. <comments>https://lllamms.info/national-health-care-system-in-japan-and-taiwan-would-it-be-possible-for-us,html#comments</comments>
  78. <pubDate>Fri, 24 Feb 2023 10:26:30 +0000</pubDate>
  79. <dc:creator>admin</dc:creator>
  80. <category><![CDATA[Uncategorized]]></category>
  81. <category><![CDATA[Health Care]]></category>
  82.  
  83. <guid isPermaLink="false">http://lllamms.info/?p=59</guid>
  84. <description><![CDATA[Every society is affected by any national changes or new movement introduced; therefore, an issue one may think is unrelated to his environment can very well affect him through chains of cause and effect.Health care is an immediate issue that concerns all of us. We all experience it and need it. Let&#8217;s serious ask ourselves [...]]]></description>
  85. <content:encoded><![CDATA[<p> Every society is affected by any national changes or new movement introduced; therefore, an issue one may think is unrelated to his environment can very well affect him through chains of cause and effect.Health care is an immediate issue that concerns all of us. We all experience it and need it. Let&#8217;s serious ask ourselves if the current health care system is satisfactory and available to everyone. Should health, medicare and treatments be available to only selected groups? Many people are voting for the presidential candidate who can restore the present health care system or who can pioneer a better healthcare distribution for our country. Personally, I hope to see a change that health care is available and affordable to everyone.Being able to receive basic health care is a fundamental need of all people. Fulfilling this fundamental need makes people feel secured, and it makes sense that people with better health can contribute more to the society. A realistic and reachable standard of health should be set for all people. This effort needs a non profit driving entity to establish and to maintain it. People&#8217;s life and health should not be compromised for the profit of few organizations.Before moving to Japan, I was covered under my parents&#8217; insurance policy in the United States. Their policy covered children of the family until the age of twenty-four. Upon graduating from university, I moved to Japan and started my first job there. I joined the Japanese national health insurance through the company I worked for. There are basically two types of health insurance in Japan: national health insurance and employer-sponsored health insurance. Usually, under employer sponsored insurance, the insurance premium is calculated according to income, number of dependents, and the company&#8217; subsidies. For someone who is self-employed or unemployed, the national health insurance costs a minimum of 13300 yen, or about $110 per month plus a small percentage of income for those who are self-employed. In other words, everyone can get insurance from around $100 dollars a month. Unlike the Medicaid program in the U.S. which is only available to certain low-income groups with specific requirements for eligibility, the Japanese health insurance is available to every citizen and legal residents. There is a ceiling to what the Japanese National insurance covers, but it covers all the basics and beyond.In most cases in Japan, patients choose their doctor and hospital. There is no limitation to the doctors or hospital they can visit. This is a true competition among the clinics, hospitals, and medical practitioners, not for profit, but for quality. The same insurance that people have in Japan gives them the freedom to get second opinions and naturally eliminates those doctors whose practices are in question. The doctor visits, treatments, and medicine are not free; one is responsible for thirty percent of their medical bills. Japanese health costs are much lower than the costs in the United States. Thirty percent of the medical bill is still a reasonable amount one can afford. There are also special cases or categories of illness for which the insurance would give more coverage. If one is late on his payment, his insurance will not automatically be invalid. The insurance will still cover the person as long as he makes up the missed payments. After all, some people do run into difficulties in life at one point or another. Sounds to good to be true? Well, It&#8217;s real.Taiwan, a place with no world recognition politically, has one of the top public health care system in the world. After moving to Taiwan due to my husband&#8217;s transfer a year a go, I learned and appreciated the system where universal or national health care is available to all more than ever. When speaking of universal, national, or pubic health insurance, people often turn their attention to the well-debated and discussed health care system in Canada. There are those whose views are negative, claiming that the medical service in a single-payer insurance system may not perform at its ultimate, and those whose views are positive, saying that they do not live in fear of ever having to face bankruptcy for outrageous medical bills. From my informal inquiries, more Canadian I came across favor their national health care system. Most of those who favor their national health care system commented that people of Canada are more secured in having their basic physical and psychological needs met.In Taiwan, there is also government-sponsored universal health care for not only their citizens but also for foreign residents who live in Taiwan. Foreign residents can apply for the government-sponsored insurance after proving their legal status of residing in Taiwan. The insurance fee starts from the basic 600NT, or around $18 a month. For people in higher income brackets, their insurance is calculated based on a percentage of their income over the 600Nt. Fees are waived for retired soldiers, those who are physically challenged, and people who have economic disadvantages.Interestingly, Taiwan&#8217;s national health insurance has only been established for little more than two decades, since 1985. The government policy-makers studied health care system from different foreign countries and composes the first Taiwan national health care from the ideas and methods of the system of other countries. It was said that Taiwan&#8217;s national insurance system is like a completed puzzle made from pieces of which fit its country and people. This insurance now covers the entire population, including foreign legal residents. According to research funded by Taiwan&#8217;s National Health Research and Taiwan&#8217;s Bureau of National Health Insurance, the cost of health care did not rise after the universal coverage was established (Jui-Fen &#038; Hsiao, 2003.) What does that tell us?A basic health care program can greatly reduce the consequences of illness left untreated. Basic health care does not mean free of charge or mindless spending without control. To build a healthy nation, we should take a closer look at the current U.S. health insurance. After all, a sound nation starts with the health of its people. </p>
  86. ]]></content:encoded>
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  88. <slash:comments>0</slash:comments>
  89. </item>
  90. <item>
  91. <title>Overcoming Special Education Apathy and Successfully Navigating the Special Education Maze!</title>
  92. <link>https://lllamms.info/overcoming-special-education-apathy-and-successfully-navigating-the-special-education-maze,html</link>
  93. <comments>https://lllamms.info/overcoming-special-education-apathy-and-successfully-navigating-the-special-education-maze,html#comments</comments>
  94. <pubDate>Fri, 24 Feb 2023 07:37:13 +0000</pubDate>
  95. <dc:creator>admin</dc:creator>
  96. <category><![CDATA[Uncategorized]]></category>
  97. <category><![CDATA[Education]]></category>
  98.  
  99. <guid isPermaLink="false">http://lllamms.info/?p=57</guid>
  100. <description><![CDATA[Are you the parent of a child with Autism, or a learning disability who receives special education services? Does your life with your child seem overwhelming, and you sometimes find it difficult to be the advocate for school issues, as you need to be? Or have you given up advocating for your child&#8217;s education because [...]]]></description>
  101. <content:encoded><![CDATA[<p> Are you the parent of a child with Autism, or a learning disability who receives special education services? Does your life with your child seem overwhelming, and you sometimes find it difficult to be the advocate for school issues, as you need to be? Or have you given up advocating for your child&#8217;s education because you feel that you cannot win? This article will give you 6 ideas on how you can overcome apathy, successfully navigate the special education maze, so that your child can receive an appropriate education!1. Realize that special education is an entitlement for your child under Federal Special Education law (IDEA 2004), and that he or she is depending on you to fight for the services that they need!2. Now that school is back in session, try and attend a few parent trainings (on federal and state education and disability law), where you can learn about the law, and gain important advocacy information, as well as meet other parents in your area. Look for groups that provide parent training at your States parent training and information center (PTIC), or local disability organizations such as the ARC or United Cerebral Palsey (UCP).3. If a local advocacy group does not exist consider starting one with other parents. Attend a few groups so that you can decide what is important to include in your advocacy group. Encourage all members to support each other in their advocacy efforts by perhaps attending each others meetings, or role playing certain situations that may arise. Bringing in knowledgeable speakers will empower your advocacy!4. Join online organizations that not only educate parents, but have access to knowledgeable people such as lawyers or independent evaluators. Consider joining COPAA (Counsel of Parent Attorney&#8217;s and Advocates http://www.copaa.org ); for a small yearly fee you can join the listserv that has parents, advocates, and attorneys discussing education advocacy issues. You may ask questions and seek advice on any advocacy situation that you are dealing with. By receiving expert help you will be empowered in your advocacy!5. Pursue an independent educational evaluation (IEE) to determine what related and special education services that your child needs in order to receive an appropriate education. Try and find a child friendly qualified evaluator that is either a Clinical Psychologist or a Neuropsychologist. It may take several months for an appointment so now is a good time to plan for the evaluation. Do not forget to mention your child&#8217;s need for extended school year services (ESY) if this is an issue with your school district-a recommendation from an independent evaluator that a child needs ESY is helpful to convince educators that this is needed. Ask your evaluator to put specific recommendations for amount and type of ESY in his or her evaluation report.6. Try and find another experienced parent or an advocate who can attend meetings with you, educate you on education law, give you advocacy tips, and share information on how you can overcome roadblocks to an appropriate education for your child. Experienced advocates can guide you through the process, as you successfully navigate the special education maze! Make sure any advocate you choose knows IDEA 2004, and your States education law, as well as a willingness to stand up to school personnel and roadblocks that special educators put up!Use these tips and you will well be on your way to overcoming special education apathy, for your child&#8217;s educational benefit! </p>
  102. ]]></content:encoded>
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  104. <slash:comments>0</slash:comments>
  105. </item>
  106. <item>
  107. <title>Mistakes to Avoid When Applying for a Loan</title>
  108. <link>https://lllamms.info/mistakes-to-avoid-when-applying-for-a-loan,html</link>
  109. <comments>https://lllamms.info/mistakes-to-avoid-when-applying-for-a-loan,html#comments</comments>
  110. <pubDate>Fri, 24 Feb 2023 06:16:57 +0000</pubDate>
  111. <dc:creator>admin</dc:creator>
  112. <category><![CDATA[Uncategorized]]></category>
  113. <category><![CDATA[Loans]]></category>
  114.  
  115. <guid isPermaLink="false">http://lllamms.info/?p=55</guid>
  116. <description><![CDATA[Whether it&#8217;s a business loan or a personal loan, there are several common loan application mistakes that many businesses and individuals often make when applying for a loan. Avoiding loan application mistakes is your most valuable tool in being approved on a loan. The following common loan application mistakes can interfere with loan approval.1. Being [...]]]></description>
  117. <content:encoded><![CDATA[<p> Whether it&#8217;s a business loan or a personal loan, there are several common loan application mistakes that many businesses and individuals often make when applying for a loan. Avoiding loan application mistakes is your most valuable tool in being approved on a loan. The following common loan application mistakes can interfere with loan approval.1. Being unaware of your credit rating.Before even attempting to get a loan, know where you stand. Request copies of your credit reports from Experian, Equifax, and Transunion, which are the three major credit reporting agencies. Your reports will show whether or not you&#8217;ve made your payments on time, or if you&#8217;ve defaulted on a loan, declared bankruptcy, or had any other financial problems. Additionally, it will show positive items, such as when you&#8217;ve paid your bills one time, or when you&#8217;ve paid a loan in full. Consistently paying your bills as scheduled shows that you&#8217;re worthy of a loan, and is very attractive to a lender. If your credit has undesirable listings, be aware of them, and be prepared to explain them to the lender.2. Not understanding the loan terms before signing.Avoid the most common loan application mistake, and make sure that you read and fully understand everything involved with the loan before signing. Not only should you take the time to read the fine print in its entirety, but you should also ask questions about anything and everything that you don&#8217;t fully understand. This is a common loan mistake because individuals are often so anxious to get the loan that they fail to pay attention to the details. Don&#8217;t assume that the terms on this loan are the same as for &#8220;any other loan.&#8221; Know what you are signing before you sign.3. Continuously searching for a lower interest rate.Interest rates change often. If you feel you&#8217;ve found a great rate, lock in before the rate increases to avoid this loan application mistake. People quite often make the loan application mistake of getting greedy, opting to see if rates will drop even farther before locking in on that rate. This loan application mistake of continuing to search for an even lower rate often works against you, rather than in your favor, especially if you have to wait longer to obtain the loan that you perhaps need immediately, or worse, if the interest rates actually increase rather than drop.4. Not explaining the details for needing the loan.Yet another common loan application mistake of not fully explaining how the loan will be used. For example, if the loan is to be used for business purposes, explain the details of how you will use the money. Lenders want to see that you know exactly how you will use the money, and how this loan will meet your needs.5. Make major loan application changes.Show the potential lender that you are stable and can make solid decisions. Don&#8217;t apply for a business loan, for instance, and submit a loan proposal, only to call the lender a while later and tell them that you&#8217;ve reconsidered and plan on using the money differently than stated in your paperwork. Make your decisions prior to this, and don&#8217;t make this loan application mistake of being unsure when you apply. Submit your proposal only in the event that you are 100 percent sure of your actions and will not change your mind.6. Apply only to the most convenient lender.While heading to the bank in which you do business with is an obvious reaction, avoid the loan application mistake of not shopping around with other lenders. Check into obtaining a loan with a credit union, and if you&#8217;re searching for a small business loan, consider investigating programs offered through the Small Business Administration. This loan application mistake is also easily corrected by making just a few phone calls to lenders&#8217; check rates and offers.7. Not having current finances in order.Whether you&#8217;re in need of a personal loan or a business loan, don&#8217;t apply for a loan without proper financial documentation for the lender. This loan application mistake can either delay the loan process, or cause the lender to immediately turn you away.8. Failing to have equity.Especially for a business loan or a home loan, having some equity, such as a down payment, can significantly increase your changes of securing a loan. While this loan application mistake is sometimes unavoidable, be aware that lenders are not as enthusiastic to offer loans to those without equity, especially loans for large amounts or for individuals with less than desirable credit scores.9. Having no collateral.As with equity, no collateral gives no assurance to the lender that the loan will be repaid. Having collateral increase your chances of having the loan approved. Collateral can come in many forms such as automobiles, savings accounts, home equity, certificates of deposit, (CDs) and anything else that the lender considers to have value.10. Not having a business plan if the loan is for business.Not having a business plan in place, or employing a poor business plan, is an inexcusable loan application mistake, yet can be easily corrected. If you&#8217;re starting a business, or wish to obtain funding to expand on an existing business, you need to demonstrate to the lender how the business will operate and make money. A business plan is essential for a lender to see your goals and see how you plan to reach those goals.11. Not avoiding hidden loan costs.Avoid signing a loan that requires hidden costs. This loan application mistake might include fine print stating that annual fees, bank charges, closing costs, commissions, and balloon payments are required. Be informed, and don&#8217;t sign anything without being completely sure what it means. </p>
  118. ]]></content:encoded>
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  121. </item>
  122. <item>
  123. <title>7 Essential Student Loan Consolidation Rules and Regulations You Should Know About</title>
  124. <link>https://lllamms.info/7-essential-student-loan-consolidation-rules-and-regulations-you-should-know-about,html</link>
  125. <comments>https://lllamms.info/7-essential-student-loan-consolidation-rules-and-regulations-you-should-know-about,html#comments</comments>
  126. <pubDate>Fri, 24 Feb 2023 04:34:39 +0000</pubDate>
  127. <dc:creator>admin</dc:creator>
  128. <category><![CDATA[Uncategorized]]></category>
  129. <category><![CDATA[Loans]]></category>
  130.  
  131. <guid isPermaLink="false">http://lllamms.info/?p=53</guid>
  132. <description><![CDATA[When consolidating student loans, it&#8217;s important to know what you&#8217;re getting into first. As with any financial decision, you must do your homework before signing on the dotted line. Consolidating student loans is not a difficult process, but there are several rules and regulations in place that you must know before deciding to consolidate your [...]]]></description>
  133. <content:encoded><![CDATA[<p> When consolidating student loans, it&#8217;s important to know what you&#8217;re getting into first. As with any financial decision, you must do your homework before signing on the dotted line. Consolidating student loans is not a difficult process, but there are several rules and regulations in place that you must know before deciding to consolidate your student loans into one easy to manage loan. This is a list of some of the most important rules and regulations pertaining to student loan consolidation. Make sure you understand each of these rules before going through with the consolidation loan.Student Loan Consolidation is FreeObtaining a student loan consolidation loan is a free process, so never pay a fee for consolidating. If the lender is charging an upfront fee to consolidate your student loans, it&#8217;s most likely a scam and you should take your business elsewhere. This scam is often referred to as an &#8220;advance fee loan scam&#8221;, and it&#8217;s relatively common in the student loan consolidation world.You Cannot Consolidate While Still in SchoolYou may consolidate your student loans only after your loans enter their grace period, which is six months after graduating or dropping out of school. You can also consolidate once repayment of the loans begin, although you should consider consolidating before that point. It may not be beneficial to everyone, but it&#8217;s definitely worth taking a look at the numbers to see if it would save you money and make your loans easier to manage.You Can Only Consolidate Student Loans in Your NameThis rule seems pretty obvious, but in some cases where the student is married or has their parents&#8217; name on any of the student loans, it may come into play. Students and parents may consolidate their student loans, but they cannot combine them into one consolidation loan &#8211; They must be separate. Same thing holds true for married students who both have student loan debt. As of 2006, married students cannot combine their student loan debt into one consolidation loan &#8211; They can, however, each have their own consolidation loan.Student and Graduates May Consolidate With Any LenderThere are no restrictions that limit which lenders are eligible for consolidating student loans, so you may choose whatever lender you wish. This allows you to shop around for the lender with the best interest rates and incentives. Keep in mind that most lenders require you to have a minimum balance totaling $7,500 or sometimes higher.Any Federal Student Loan is Eligible for ConsolidationAny type of federal student loan can be consolidated, including single student loans. That being said, you can only consolidate an existing consolidation loan one time, but not in every circumstance. In order to reconsolidate a consolidation loan, you must add a previously not included student loan to the consolidation. In this case, your interest rate would be reconfigured using a formula to weigh the old interest rate with new rate brought on by the student loan being added to the mix. Please note that a student loan consolidation loan uses a weighted average of all of the included student loans to determine the overall interest rate &#8211; Reconsolidating in future will not completely reset your interest rate.Consolidation Loans Offer Longer Repayment TermsFederal student loans feature standard 10-year repayment plans. When consolidating student loans, you can extend these terms to 12-30 years depending upon how much is owed. As with any loan, though, it&#8217;s not recommended to extend the terms of the loan, because interest charges will be greater the longer the loan exists. It&#8217;s recommended to pay off the loan as soon as possible. That being said, extending the consolidation loan repayment plan can help people to better afford the lower payments brought on by a longer repayment plan.There&#8217;s No Prepayment PenaltiesYou may pay off your student loan consolidation at anytime without any risk of prepayment penalties. I highly recommend paying off the consolidation loan as soon as possible to avoid some of the interest charges and to relieve yourself of the financial burden as quickly as possible. Just make sure that when making additional payments each month, you inform the lender that the additional amount should go towards the principle of the loan rather than future payments. </p>
  134. ]]></content:encoded>
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  137. </item>
  138. <item>
  139. <title>Small Business Marketing Plan &#8211; Increase Your Business Profit Without Breaking Your Marketing Budget</title>
  140. <link>https://lllamms.info/small-business-marketing-plan-increase-your-business-profit-without-breaking-your-marketing-budget,html</link>
  141. <comments>https://lllamms.info/small-business-marketing-plan-increase-your-business-profit-without-breaking-your-marketing-budget,html#comments</comments>
  142. <pubDate>Thu, 23 Feb 2023 18:49:41 +0000</pubDate>
  143. <dc:creator>admin</dc:creator>
  144. <category><![CDATA[Uncategorized]]></category>
  145. <category><![CDATA[Small Business]]></category>
  146.  
  147. <guid isPermaLink="false">http://lllamms.info/?p=50</guid>
  148. <description><![CDATA[Most small business owners fail when it comes to their small business marketing plans. They&#8217;ve got excellent technical skills in their line of work, but that just doesn&#8217;t translate to having effective marketing skills.As a result, profitability of many small businesses has been declining over the years. Ever increasing competition is making it more challenging [...]]]></description>
  149. <content:encoded><![CDATA[<p> Most small business owners fail when it comes to their small business marketing plans. They&#8217;ve got excellent technical skills in their line of work, but that just doesn&#8217;t translate to having effective marketing skills.As a result, profitability of many small businesses has been declining over the years. Ever increasing competition is making it more challenging in many ways. For those businesses that aren&#8217;t losing money, most are not producing the profit they could be if they knew how to market themselves properly.These business owners usually just copy what they see other businesses doing, or they follow the advice of some media sales person. The problem is they copy the wrong types of businesses, and the media sales people typically only know as much about effective marketing as the business owner does.Without the right kind of marketing system in place, the success of any business is by pure chance. To help remedy this situation, below are seven things a small business can do to increase profits while spending less on marketing.1. Use the power of free stuffEveryone likes getting free stuff and you can use that to your advantage. If your business lends itself to giving away free samples of your product, do that. It helps get people hooked on it. Business profits have boomed on this marketing model.As Chris Anderson author of the book titled, &#8220;Free: The Future of a Radical Price&#8221; says, &#8220;You can make make money giving things away.&#8221;  In his book he talks about how businesses are giving away products and services they used to charge for, and in return, a percentage of their customers are buying something else. As a result, they are making more money than ever.When you give something away, you often activate a universal law called the &#8220;Law of Reciprocity.&#8221; It says that when people get something free, they feel obligated to do something for you. Obviously it doesn&#8217;t work every time, but it does work enough of the time.But there is another way to give away free stuff that can greatly benefit your business. When you do it right you get something very valuable in return: customer contact info&#8230;which leads us to the next tip.2. Start capturing customer contact info and use itOne of the biggest mistakes small business owners make is not tapping their current customer base. They let customers visit their business (online or offline) all day long without ever trying to capture their contact info so they can continue to market products or services to them.You likely know how expensive it can be to get a new customer. But you can market to your current customers for little or no cost. Capturing and using customer contact info can mean the difference between a profitable business and one that barely gets by.Your business has more customer value in it than a customer can possibly digest in a short visit so if you aren&#8217;t continually marketing to your customers, you are throwing money away!You can make customer contact capture easier simply by using the power of free from tip number one. Simply start a monthly drawing to give away something free and print some registration slips visitors can fill out. Also have people register online on your website.Tell customers they only have to register once for all drawings and you will contact them monthly via email to let them know who won. Of course you will always include an offer for a product or service!What do you give away? Anything with a perceived value makes a great free item. Free items do not have to be expensive. Buy something on sale at WalMart or at eBay and offer it. You can also offer free informational reports that help people solve their problems. People are always looking for ways to solve problems they are having.Of course, once you capture this information you have to do something with it. If you&#8217;re too busy to take on any more work, then the next tip will help you out.3. Use automated tools to keep in touch with customersOnce you have a customer list, I recommend you send a minimum of 25 &#8220;messages&#8221; a year to it. A message could be an email, direct mail piece, fax, or phone call.If you don&#8217;t use an automated tool to do the work for you, you&#8217;ll likely be too busy to get the job done. When you automate, your messages go out regardless of how busy you get (the more messages that go out, the busier you&#8217;ll get).One tool you can use is an email autoresponder, which is a web-based system that sends out emails when someone signs up. It sends out emails at intervals you set up. You can also set it up to send an email on a specific day, such as a holiday.The great thing about an autoresponder tool is that you enter your messages in the autoresponder one time, then it automatically sends emails to your list. You can also broadcast messages any time you want.Using this tool, keeping in touch with your customers is easy and it will help keep the competition from creeping in and stealing your customers because they&#8217;ve forgotten about you and the services you provide.4. Stop marketing like you&#8217;re a big business.Marketing a small business like it&#8217;s a big business is something almost every small business owner does. They just copy the marketing they see being done at large companies with big brands. This kind of marketing is called &#8220;brand identity,&#8221; &#8220;brand building,&#8221; or &#8220;image&#8221; marketing.This is a HUGE waste of advertising money for a small business. You simply don&#8217;t have the resources you need to support a successful branding campaign.Brand advertising typically has no &#8220;call to action,&#8221; (they don&#8217;t ask you to do anything). They just give you features of the product or service, or they entertain you without asking you to do anything.Brand advertising is usually benefit free. The viewer has to determine if there is a benefit to them. It may contain a list of features and the user will have to assign their own benefit to each feature. It is usually focused on the product or provider of the product instead if the customer.A successful marketing campaign for a small business is created around direct response marketing techniques.5. Use old fashioned direct response techniques in new waysThe kind of marketing plan that works for a small business is direct response marketing. It doesn&#8217;t require a huge marketing budget to use effectively. It can be used for all types of products and services.And the good news is that you don&#8217;t even have to hire an advertising agency to do it since it doesn&#8217;t require creativity. All you have to do is learn the basic structure of direct response marketing and you can easily increase the sales your business makes.Direct response sales copy always asks the reader or viewer to take some sort of action i.e. &#8220;Call in the next 5 minutes, and we&#8217;ll include a free set of Ginzu steak knives!&#8221;.It may ask for the sale directly if a full &#8220;sales presentation&#8221; was done (one-step advertising), or it may ask them to request more information (two-step advertising). It will at a minimum, ask the reader to take some form of &#8220;traceable&#8221; action so you know if it is working or not.There should always be a headline for written advertisements! Never put your company logo at the top of a direct response advertisement. That&#8217;s brand advertising.Whenever you create an advertisement in any form always look at them from the customer point of view. Look it and ask &#8220;Who gives a crap?&#8221; about everything in it. Do you think the customer cares about your logo. No! They care about what you can do for them. Put in benefits and not features. Let the customer know what&#8217;s in it for them. A successful direct response ad for a small business includes several things:<br />
  150. An offer to buy something<br />
  151.  Sufficient information for the consumer to make a decision to act now (or directions on how to get more info)<br />
  152.  An explicit &#8220;call to action&#8221; sooner rather than later<br />
  153.  A clear way to respond such as a telephone number or web page<br />
  154.  A means of tracking the response.<br />
  155. Direct response advertising is not just used for mail campaigns. You use it in all forms of media: print, web, mail, and broadcast. Take a look at all the advertising you are currently doing no matter where it is and start making the change now.6. Use the Internet to advertise for freeEven though websites as we know them have existed since around the early 90s, only 49%* of small businesses currently have a website *9/08, Barlow Research. It&#8217;s surprising how many businesses do not understand how powerful this marketing tool is. If you don&#8217;t have a website, get one because there is no better source of free advertising!The Internet has hundreds of &#8220;Web 2.0&#8243; websites where you post &#8220;content&#8221; for free. The content can be text, videos, or audios you create and it can lead people to your business. Plus, it helps establish you as an expert in your field.EzineArticles.com is one such place you can post content. There was no charge to post this article. All I had to do is write it, post it, and then you found it.You can put links in the &#8220;author resource&#8221; section, to drive traffic to a page on your website. The articles you post in EzineArticles can rank extremely well in Google search results with a little help from you.You also want to get your business listed in places like Google Local if you do local business. Once again this is absolutely free.Once you learn how to do use the Internet for promotion you&#8217;ll have a head start on the future of advertising and you get customers for free!7. Outsource routine marketing tasks so you can work on the growing your businessOne of the biggest problems small business owners have is that they get so consumed by working IN their business, they don&#8217;t have time to work ON their business. So no growth can occur.When it comes to marketing yourself on the Internet, there are ways to use &#8220;virtual assistants&#8221; to do most of the work for you. A virtual assistant is someone you hire on a full or part-time basis who does the work for you.But a virtual assistant is not a direct employee so you don&#8217;t provide benefits or have the normal hassles of an employee. They are usually located somewhere in the world that has low-cost wages so they are very affordable. That&#8217;s the beauty of the Internet and the communication it provides.Virtual assistants aren&#8217;t just confined to small business marketing plan tasks though. They can do almost anything for you: reservations, schedule appointments, answer phones, customer service, send flowers, buy a present for your spouse, find someone to fix your car, website development, accounting, software development, writing, graphics, or anything you need.There are lots of resources on the Internet that can help you find a virtual assistant.Create Your Small Business Marketing Plan Now!Use these seven marketing tips to start building your small business marketing plan right now. If you procrastinate, your busy life will get in the way of business growth. Even if you only take a little of the advice you&#8217;ve been given, you&#8217;ll find it can have a big impact on the profitability of your business. </p>
  156. ]]></content:encoded>
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  159. </item>
  160. <item>
  161. <title>Crypto Currency Vs Fiat Currency</title>
  162. <link>https://lllamms.info/crypto-currency-vs-fiat-currency,html</link>
  163. <comments>https://lllamms.info/crypto-currency-vs-fiat-currency,html#comments</comments>
  164. <pubDate>Mon, 12 Sep 2022 10:40:25 +0000</pubDate>
  165. <dc:creator>admin</dc:creator>
  166. <category><![CDATA[Uncategorized]]></category>
  167. <category><![CDATA[cash]]></category>
  168. <category><![CDATA[Crypto currency]]></category>
  169. <category><![CDATA[currency]]></category>
  170.  
  171. <guid isPermaLink="false">http://lllamms.info/?p=48</guid>
  172. <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>
  173. <content:encoded><![CDATA[<p>Crypto currency vs. Fiat currency</p>
  174. <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>
  175. <p>In cashless society- crypto money play a huge role</p>
  176. <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>
  177. <p>Crypto currency and fiat currency are always at loggerheads</p>
  178. <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>
  179. <p>Differentiating in what the currencies stand for</p>
  180. <p>Before going for the difference between the two, you must understand what do they stand for and how are they are defined.</p>
  181. <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&#8217;t have any backup from the central government or bank.<br />
  182. Hence, the difference between crypto currency and fiat currency is noted as follows:</p>
  183. <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>
  184. <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>
  185. <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>
  186. <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>
  187. <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>
  188. <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>
  189. <p>The different types of crypto and fiat currencies</p>
  190. <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>
  191. <p>The differences in the anonymity between the two currencies</p>
  192. <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&#8217;t need to undergo any of the required processes with the crypto currencies. Though your personal information and confidential details don&#8217;t get public, but all your transactions are recorded and tracked in both the fiat and the crypto currencies.</p>
  193. <p>Fiat currency vs crypto currency: transparency level</p>
  194. <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&#8217; transactions.</p>
  195. <p>• The fiat or govt. currencies are not transparent, as there are not public chains to see the revenue streams of the people.</p>
  196. <p>A comparative historical roots</p>
  197. <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>
  198. <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>
  199. <p>A comparative history of the two currencies:</p>
  200. <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>
  201. <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>
  202. <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>
  203. <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&#8217;t receive as much attention as Bitcoin.</p>
  204. <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>
  205. <p>The traits of both the currencies</p>
  206. <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>
  207. <p>Let us compare their traits with respect to certain factors.</p>
  208. <p>• Both the crypto coins and fiat type currencies are interchangeable in nature.</p>
  209. <p>• As per the portability is concerned both the currencies secure more or less the same position.</p>
  210. <p>• With respect to the non consumable criteria, crypto currency and fiat type currency have the equal status.</p>
  211. <p>• Crypto type currencies have high durability as compared to the fiat-currencies that have moderate level of durability.</p>
  212. <p>• Both the crypto or virtual currencies and the fiat or government currencies ensure secure and safeguarded transactions and exchange.</p>
  213. <p>• Crypto or digital currencies are highly divisible in nature. On the other hand, the fiat type currencies are moderately divisible.</p>
  214. <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>
  215. <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>
  216. <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>
  217. <p>• The crypto based currencies are based on mathematical algorithms, and are programmable. The fiat currencies are not at all programmable.</p>
  218. <p>• The fiat currencies are sovereign in nature, while the crypto currencies are not.</p>
  219. <p>The process of the functioning of the currencies</p>
  220. <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&#8217;t need any third party association.</p>
  221. <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>
  222. <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>
  223. <p>Is Bitcoin, a crypto currency better than the fiat-currency?</p>
  224. <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>
  225. <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>
  226. <p>Why is Bitcoins considered to be a better aspect than the fiat type currencies?</p>
  227. <p>• Bitcoin gives you the opportunity to re-create a free market capitalism.</p>
  228. <p>• The power of controlling the money is absolutely with the individuals, and not with the banks like the fiat type currencies.</p>
  229. <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>
  230. <p>• The Bitcoin currency is easy easier to exchange and transfer as compared to the fiat or government currencies.</p>
  231. <p>• The transaction fees involved with the Bitcoin are way cheaper and easily affordable.</p>
  232. <p>Crypto currencies seem to be a favorable option among the people</p>
  233. <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>
  234. <p>Send money anywhere directly without waiting for the bank&#8217;s approval</p>
  235. <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&#8217;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&#8217;t come under the law and regulations of the government, nobody has any power to do anything with your account.</p>
  236. <p>The blockchain technology has a very big role to play</p>
  237. <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>
  238. ]]></content:encoded>
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  241. </item>
  242. <item>
  243. <title>Are You Choosing the Right Stock Market Advisory Company</title>
  244. <link>https://lllamms.info/are-you-choosing-the-right-stock-market-advisory-company,html</link>
  245. <comments>https://lllamms.info/are-you-choosing-the-right-stock-market-advisory-company,html#comments</comments>
  246. <pubDate>Mon, 12 Sep 2022 10:35:11 +0000</pubDate>
  247. <dc:creator>admin</dc:creator>
  248. <category><![CDATA[Uncategorized]]></category>
  249. <category><![CDATA[financial]]></category>
  250. <category><![CDATA[help you]]></category>
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  252. <category><![CDATA[point]]></category>
  253.  
  254. <guid isPermaLink="false">http://lllamms.info/?p=46</guid>
  255. <description><![CDATA[What do you do if you want to learn driving a car? You will try to find an expert teacher, isn&#8217;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>
  256. <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&#8217;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>
  257. <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>
  258. <p>How much assistance do you actually require?</p>
  259. <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>
  260. <p>Choose a top ranked advisory company</p>
  261. <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>
  262. <p>Asking for a sample financial plan initially makes sense</p>
  263. <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>
  264. <p>Conclusion</p>
  265. <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>
  266. <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>
  267. ]]></content:encoded>
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  270. </item>
  271. <item>
  272. <title>Fear and Greed in the Market</title>
  273. <link>https://lllamms.info/fear-and-greed-in-the-market,html</link>
  274. <comments>https://lllamms.info/fear-and-greed-in-the-market,html#comments</comments>
  275. <pubDate>Mon, 12 Sep 2022 10:33:26 +0000</pubDate>
  276. <dc:creator>admin</dc:creator>
  277. <category><![CDATA[Uncategorized]]></category>
  278. <category><![CDATA[company]]></category>
  279. <category><![CDATA[indicators]]></category>
  280. <category><![CDATA[investors]]></category>
  281. <category><![CDATA[Market]]></category>
  282. <category><![CDATA[technical]]></category>
  283. <category><![CDATA[trading]]></category>
  284.  
  285. <guid isPermaLink="false">http://lllamms.info/?p=44</guid>
  286. <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>
  287. <content:encoded><![CDATA[<p>Greed and Fear.</p>
  288. <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>
  289. <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>
  290. <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&#8230; So how do we as individuals develop a skill set to navigate these emotions in business in trading and in life?</p>
  291. <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>
  292. <p>A Lesson From One of the Greats!</p>
  293. <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&#8217;s longevity.</p>
  294. <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>
  295. <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 &#8220;secure&#8221; investment to another. It becomes a constant game of cat and mouse.</p>
  296. <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&#8217;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>
  297. <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>
  298. <p>I have also added a link of &#8220;Must Read&#8221; 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>
  299. <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>
  300. ]]></content:encoded>
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