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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>xijlqms.info</title> <atom:link href="http://xijlqms.info/feed" rel="self" type="application/rss+xml" /> <link>https://xijlqms.info</link> <description></description> <lastBuildDate>Wed, 23 Aug 2023 07:38:44 +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>How To Reduce Credit Card Interest Rates</title> <link>https://xijlqms.info/how-to-reduce-credit-card-interest-rates</link> <comments>https://xijlqms.info/how-to-reduce-credit-card-interest-rates#comments</comments> <pubDate>Sat, 08 Apr 2023 23:07:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[credit cards]]></category> <guid isPermaLink="false">http://xijlqms.info/?p=67</guid> <description><![CDATA[IntroductionCredit cards are nothing new to American consumers. Everywhere you look, Americans are constantly being asked to apply for a new credit card! Now, you probably know what the selling point is with most cars, THE INTEREST RATE! This is because the interest rate or APR on your credit card delegates how much money you [...]]]></description> <content:encoded><![CDATA[<p> IntroductionCredit cards are nothing new to American consumers. Everywhere you look, Americans are constantly being asked to apply for a new credit card! Now, you probably know what the selling point is with most cars, THE INTEREST RATE! This is because the interest rate or APR on your credit card delegates how much money you will have to pay back over the life of the loan. A lower interest rate means that you are going to pay less back! Due to this commonly known fact, I am asked the same question time and time again, “How do I get lower interest rates on my credit card?” Unfortunately there is not a vague one size fits all answer to this question. The answer really depends on a few key factors. First off, how good is your credit? Also, how many late payments did you make over the last year? Have you experienced a financial hardship? What is your debt to income ratio? Can you even afford your credit card payments?People in all walks of life want a lower interest rate however, it is hard for me to give one piece of advise and have it fit everybody’s financial situation to the tee! It just doesn’t work that way. What I can do however is give you a few different ways to reduce your credit card interest rates and allow you to pick which one will best fit your unique financial situation!How Good Is your credit?When I am asked how one of my clients can reduce their credit card interest rate, one of the first questions I’m going to ask is “How good is your credit?” The better your credit score is, the more options you have to reduce your credit card interest rate. If you have good or excellent credit, one of the best ways you can reduce your interest rate is by getting a balance transfer credit card. Balance transfer credit cards are ones that allow you to use one credit card account to completely pay off the other.Lets say you are something like a great majority of American consumers and your credit isn’t all that great. This is completely understandable, if you don’t have excellent credit, that doesn’t necessarily mean that you have to deal with a horrible interest rate. There are ways to get a lower interest rate other than using balance transfer credit cards. These include do it yourself interest negotiations, financial hardship programs, debt consolidation, debt settlement, and much more! I’m going to explain to you how to use balance transfer credit cards, negotiate credit card interest rates, apply for a financial hardship, and decide if debt consolidation or settlement is your best option.Using Balance Transfer Credit Cards To Get A Low Interest RateOK, so you have pretty good credit and you seem to make all your payments on time. You’ve never went over your credit limit and you don’t see why your interest rate is so high. You’re starting to get frustrated with the amount of money you are spending in interest and finance charges so you do a little research. You’ve heard a thing or two about balance transfer credit cards but you don’t know exactly how they work or what is the first thing you need to do to get started. That’s OK here is everything you need to know.First off, when looking for a balance transfer credit card, it is important to remember a few crucial steps to keep your financial information safe. When filling out an application, make sure that the application page is a secure web page. As far as most credit card websites are considered, the whole website won’t be secure because there is no need for it to be. However, never fill out the application if the application page is not secure. This may put your personal information in jeopardy. It is very easy to tell if a web page is secure or not. When you get to the application page, take a look at the address bar at the top of your browser. If the web address starts with http://, this page is not a secure page. However, if the application pages url starts with https:// this is a secure page and your information is safe.The next thing you want to look at is the introductory interest rate that the credit card offers. Due to huge competition in the credit card industry, most balance transfer credit cards offer you a 0% introductory period for balance transfers that lasts anywhere from 6 to 12 months. Make sure that the balance transfer credit card you decide to use has a 0% introductory APR as well. If not, I’m sure you can find a better offer.Also, make sure you understand how much money the transfer fee will be. Yes I said transfer fee! Banks don’t do anything for free anymore. In most cases the fee to transfer a balance will be anywhere between 3% and 5% of the amount of the overall transfer. It is important to be aware of this fee but not to let it scare you off. Even though there is a fee for the transfer, if you are receiving a 0% APR for 12 months, you can consider this fee as the interest rate on the account for that first 12 months. In most cases, it will still be less than your current interest rate.Make sure you pay attention to the standard interest rate on the account. Always remember, although a 0% introductory interest rate looks great, it doesn’t last forever! The standard interest rate will be the interest rate you pay once the introductory period expires. Make sure that the standard interest rate on your new balance transfer credit card is less than what you are currently paying. If not, the transfer may cost you more over the term of the debt and it might not be in your best interest.Credit Card Interest Rate NegotiationsSo you’ve been a pretty good debtor. You were only late once this year, and you haven’t gone over your credit limit. You like the bank you are currently with and you don’t want to have to go through the hassle of transferring balances. You don’t want to close your account and your not quite sure of what you should do but you definitely don’t appreciate your interest rate! Credit card interest negotiations might be your best bet.Credit card companies just like any mom and pop store, rely heavily on consumers to keep their company strong. Look at it this way, if no one used the credit card companies, there would be no reason for them to be in business. With that said, some credit card companies are willing to reduce your interest rate to retain you as a client. This is a fairly simple process.The first thing you want to do is call your credit card company. Continuously press 0 until you get to speak with a live representative. When the call does get transferred to a live representative, simply say, “Hi, I was going through my credit card statements and I noticed how high my interest rate was. I love working with you guys, I like my card and the rewards you have to offer me, but, I have many balance transfer opportunities and I don’t see why I should keep my balance with you if I can pay a lower interest rate. Is there anything you can do to help?” That representative is either going to put you on hold or transfer you to the balance retention department!If transferred to the balance retention department, use the same line “Hi, I was going through my credit card statements and I noticed how high my interest rate was. I love working with you guys, I like my card and the rewards you have to offer me, but, I have many balance transfer opportunities and I don’t see why I should keep my balance with you if I can pay a lower interest rate. Is there anything you can do to help?” They will then put you on hold. In most cases, when the representative gets back on the phone, they will give you two options. Either you can have a very low interest rate for a short period of time or, they will reduce your interest rate by a few points for the term of the debt. I know the extremely low interest rate is always more appealing, however, I would advise taking the minor reduction for the life of the card. This will be the option that saves you the most in the long term.Setting Up A Credit Card Financial Hardship ProgramYou’ve tried applying for a balance transfer credit card and you were declined. You called your credit card company to negotiate and they wouldn’t do a thing. You can’t afford your payments too much longer if you keep this high interest rate! Your not sure what you should do, but you know you don’t want to fall behind. In this case, it may be time to apply for a financial hardship program with your credit card company.Due to the severity of the current financial recession, most large credit card companies such as Chase and Bank of America have created financial hardship departments. In these departments, representatives are trained to take an over financial analysis and make a decision as to whether or not you can afford to make your payments and still live a normal lifestyle. Depending on the severity of your unique financial hardship, the credit card company may be willing to keep the debt in house but still help you by closing your account and reducing your interest rate.The first thing you will want to do is make a list of all of your household income. If you get rental income, make sure to include it. It is important that you include every dollar of income. Next you will want to make a list of all of your expenses. I mean all of your expenses from mortgages to auto loans to credit cards to gas, food, day care, reoccurring medical expenses, etc. Make sure to include everything. Also, make a note of what has caused your expenses to increase or your income to decrease.Once you have written all of this information down, call your credit card company. Tell them about your financial hardship and ask if they have a financial specialist you can talk to. You will then be transferred to the financial hardship department. When speaking to the representative make sure to be very polite and very honest. If you are truly in need, once the results of the analysis come back, you will receive a new interest rate and payment plan!Debt ConsolidationThings are starting to get serious. Your job has cut your hours or you have been out of work for a little while. You are absolutely certain that you can’t afford even your minimum payments anymore and you have no idea how to get assistance or what to do next! In this case, you may want to look into debt consolidation.There are a few types of debt consolidation. Balance transfers are one type but you already tried and you don’t qualify. You’ve heard a bit about home equity loans and you’re considering taking out one to pay off your credit card debts. DON’T DO THAT! If you don’t pay your credit card companies, the worst thing that can happen is they take you to court and you get a judgment on your credit report. They can’t take you to jail! If you pay your credit cards off using the equity in your home however and you can’t afford the payments, now you’re homeless. The type of consolidation you want is a debt consolidation company.Debt consolidation companies are companies that have already pre-negotiated low interest rates with most major and even small credit card companies. They will take an analysis of your financial situation and place you in a program that fits your needs. When choosing a debt consolidation company, it is important that you choose the right one. Do your research and make sure you are using a reputable source! Google the name of the company and check the Better Business Bureau to make sure you are dealing with a known company!Debt Settlement PlansNow, you are in a serious situation. You feel that your finances are falling apart. Your car is in danger of being repossessed and you don’t know how you are going to make the next payment for any of your loans. You are consistently thinking about bankruptcy but you wish there was one more thing you could try. Debt settlement may just be that thing. Keep in mind however, that debt settlement should be a final resort before bankruptcy. This process will, not can, it will have a detrimental effect on your credit score!The way debt settlement works is, the company you hire will collect very minimal payments to go towards your debts each month. These payments will go into a sort of savings account until your payments have reached a delegated amount. All this time, the credit card companies are not being paid. Once the credit card companies are at the point where they feel they are going to get nothing back, in most cases they are willing to settle the debt for a minimal amount. This is when the debt settlement negotiations go into effect. The debt settlement company will work on your behalf to make sure to ensure that you get the lowest possible settled amount for your debts.When choosing a settlement company it is the same as working with a consolidation company. Do your research! I can’t tell you how many people I’ve talked to that have been screwed by a crook debt settlement company. Make sure to Google the business name and to check with the Better Business Bureau before giving any company your business! </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://xijlqms.info/how-to-reduce-credit-card-interest-rates/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Offshore Gambling – A Real Review On Offshore Gambling</title> <link>https://xijlqms.info/offshore-gambling-a-real-review-on-offshore-gambling</link> <comments>https://xijlqms.info/offshore-gambling-a-real-review-on-offshore-gambling#comments</comments> <pubDate>Sat, 08 Apr 2023 22:39:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Gambling]]></category> <guid isPermaLink="false">http://xijlqms.info/?p=64</guid> <description><![CDATA[Offshore gambling is commonly defined as the voluntary risking of a sum of money called a wager, stake, or bet, on the outcome of a game or other event. Gambling is risking something of value on the outcome of an uncertain event. Gambling is central to almost everything we do as human beings. Gambling is [...]]]></description> <content:encoded><![CDATA[<p> Offshore gambling is commonly defined as the voluntary risking of a sum of money called a wager, stake, or bet, on the outcome of a game or other event. Gambling is risking something of value on the outcome of an uncertain event. Gambling is central to almost everything we do as human beings. Gambling is legal in 48 of 50 states. Offshore gambling is very much a leisure activity.Internet gambling, for the compulsive gambler is defined as follows: Any betting or wagering, for self or others, whether for money or not, no matter how slight or insignificant, where the outcome is uncertain or depends upon chance or skill constitutes gambling. Casino gambling involves betting, whether individually or in pools, in games of chance where the odds of winning or losing are artificially created so that those who win do so (at least in part) at the expense of those who lose. Offshore gambling has been branded the new “opium of the people” in a Church of Scotland report presented to the General Assembly. Internet gambling becomes a problem when it causes a negative impact on any area of the individual’s life. Internet casino gambling can include playing the on-line or video lottery games, playing cards, dice, or dominoes, playing slot machines, betting on sporting events (with or without a bookie), betting on the horses or greyhounds, betting on games of skill (bowling, pool, golf, video or arcade games), and many other activities.Offshore gambling is the new pre-marital sex. Online gambling can be addictive, but only to persons that have an addictive personality. Online casinos are a choice adults make about how to spend their own money. Internet gambling is a more responsible way of gambling than going to a brick and mortar casino where there is no limit on the amount you loose, where you are encouraged to continue gambling. Blackjack gambling online for example, is growing rapidly over the last 2 years and attracts many companies to invest in this ancient game. Gambling systems can be better monitored to avoid problem gambling than traditional forms of land-based gambling. Online casinos have regulations in nations such as the United Kingdom, Ireland, Australia, and Antigua ensure that consumers are treated fairly and the games are completely honest. Online poker fans from the States are already comparing this era of prohibition to that of the 1920s. The level of interest in online gambling remained relatively consistent throughout the year and actually increased in July 2001, at the same time as the introduction of the Interactive Gambling Act.Online casinos as they do present some difficulties for the new player to get accustomed to, have none of the intricacies as land-based casinos do. Gambling is based on the evil desire to get money or goods, which belong to someone else without giving fair value in exchange. Offshore gambling is big business, bringing in huge amounts of cash and tax revenue, and employing thousands of state citizens. Gambling is essentially an expression of a covetous spirit and in my opinion offshore gambling is so appealing because of the opportunity to get something for nothing. Online casinos are successfully regulated in many parts of the world, so it can obviously be regulated in the United States. If you think of gambling as a form of entertainment, that seems to take a lot of the mystique away, and it may be easier to see that gambling is pretty harmless if one looks at it from an economic point of view.To be continued… </p>]]></content:encoded> <wfw:commentRss>https://xijlqms.info/offshore-gambling-a-real-review-on-offshore-gambling/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How Efficient Content Marketing Pays Off an Organisation?</title> <link>https://xijlqms.info/how-efficient-content-marketing-pays-off-an-organisation</link> <comments>https://xijlqms.info/how-efficient-content-marketing-pays-off-an-organisation#comments</comments> <pubDate>Fri, 31 Mar 2023 17:04:20 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://xijlqms.info/?p=62</guid> <description><![CDATA[The power and dominance of content has increased manifold in the recent years, as content has the ability to transform a business completely. There are many companies that are producing content over decades, and they are still doing it. This is mainly because of tremendous benefits possible from content, provided it is marketed in a [...]]]></description> <content:encoded><![CDATA[<p> The power and dominance of content has increased manifold in the recent years, as content has the ability to transform a business completely. There are many companies that are producing content over decades, and they are still doing it. This is mainly because of tremendous benefits possible from content, provided it is marketed in a correct way. There are many factors that are required to be considered in doing appropriate content marketing.As for example, it is important that the content to be marketed should be targeted to specific audience, and it should provide relevant message to the target audience selected. It is also important that the content to be produced should be free from any kind of errors, and it should also refer to facts and figures, so that its overall authenticity can be proved to the intended target audience. The content to be marketed should have the potential to be sharable because social media has a significant impact in making content available to intended target audience easily. The selection of appropriate marketing medium is important, as the use of article and blog posting sites such as Forbes, Entrepreneur, and Huffington Post provides a good platform to reach millions of visitors, and the trust factor on the content posted on these reputed sites is also higher. By way of considering these strategies, it can become possible to do content marketing in an efficient way.According to Alex Ionides, there are different important ways in which efficient content marketing pays off an organisation. The benefits from content marketing are far better as compared to the benefits possible from traditional marketing methods utilised by most of the organisation. The most important reason for which content marketing is attracting more and more of attention is because people have shown interest towards online media such as social media, blogs and websites in order to gather relevant information. The medium such as television is not considered as the primary source of getting information especially by the younger generation of people. There is increasing level of trust shown by people especially on content in order to make relevant decisions. Content marketing has been emphasised more because it is not only attractive, but it has also been beneficial in generating significant amount of revenue. The prediction with respect to the revenue generation from content is expected to the voice US dollar 300 billion by 2019. This indicates the possibility of generating positive returns from doing content marketing in an efficient way.Content marketing is beneficial in the sense that it accounts for less effort and cost as compared to outbound marketing strategies applied for marketing businesses. At the same time, content marketing also accounts for generating higher leads as compared to outbound marketing strategies applied by organisation. There are thousands of promotional messages that are used by companies in order to target their customers. However it becomes annoying for people and they do not respond to any of those promotional messages that are placed in front of them, and simply ignore them. What they prefer actually is non intrusive content that they can easily access and rely on. With this strategy of content marketing, it can be possible to build a good customer base and at the same time, it helps in developing the brand profile as well. However it is important to intelligently pitch the content among the target intended audience through different channels, in order to achieve better pay off from content marketing strategy. The use of social media, email marketing, info-graphics, and also the consideration of video in providing relevant information is important, from the point of view of seeking the attraction of intended audience.Content is also highly valued by search engines like Google, and it pays significant importance to unique and quality content. Websites and blogs that provide unique and relevant content have better chances of getting indexed in major search engines, and this provides a good platform to marketers in reaching the intended target audience. However the content strategy needs to be right so that it’s easier for the search engine to index and promote it at the top to allow users to easily access to it. The conversion rate is also significantly higher among the customers in selecting a particular product over others after being informed through relevant and appropriate content. According to a study, 77% of people read online reviews before making a decision to purchase a product. They rely mostly on reviews rather than on the word spoken by sales people. The decision to purchase a particular product is highly influenced by the reviews seen by them across different online platforms. Getting positive reviews is therefore an important strategy from the point of view of doing efficient content marketing.With search engines supporting unique and relevant content, and people looking for authentic information, businesses should focus on targeting these areas to promote their content. Content marketing is an important strategy for businesses to achieve a great level of success. The probability of achieving multifold benefits in higher in case of content marketing as compared to traditional outdoor marketing strategy provided it is applied strategically.Further details on marketing strategies can be accessed at: https://australianassignmenthelp.com </p>]]></content:encoded> <wfw:commentRss>https://xijlqms.info/how-efficient-content-marketing-pays-off-an-organisation/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Find Best SEO Company?</title> <link>https://xijlqms.info/how-to-find-best-seo-company</link> <comments>https://xijlqms.info/how-to-find-best-seo-company#comments</comments> <pubDate>Fri, 31 Mar 2023 14:58:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://xijlqms.info/?p=60</guid> <description><![CDATA[Search engine optimization (SEO) is a must if you have utter seriousness of making your website work potentially well and have real business worth from it in times to come. SEO is a comprehensive and fruitful activity and if you really want to stay in online business network for long and good time, it is [...]]]></description> <content:encoded><![CDATA[<p> Search engine optimization (SEO) is a must if you have utter seriousness of making your website work potentially well and have real business worth from it in times to come. SEO is a comprehensive and fruitful activity and if you really want to stay in online business network for long and good time, it is very important to have SEO done for your website with the help of expert professional of the field. When you go for a detailed search for SEO services, it is relevant and beneficial to hire best SEO Company to get success results in quick time.You’ll surely find a suitable SEO Company for your business website on the Internet. It is a vast source of selection and has ample of SEO companies available to get hired. Out of so many options, you need to select the best one for you.A best company for SEO is the one which is professional and also understands your business requirements. If you do not have best SEO firm working for your online business, then you will loose your money and of course valuable time. Thus, first step towards successful SEO campaign for your business website is to choose best SEO service provider.How To Find Best Search Engine Optimization Company?1. Check the credibility of SEO Company – When you go for website SEOservices, it is very important to check the credibility of SEO services offered by the company. Check which type of clients they have catered to and what type of services for SEO have been offered to their clients. This will give you fair idea and confidence that the company you are choosing is best for your website.2. Read Clients’ Testimonials – Best SEO Company has clients speaking for themselves. If you are hiring a company which has good work experience, then clients will speak about their services definitely. The clients’ testimonials are records available on a company’s website and you can read through them to get right perception.3. Check experience of the company – Best SEO firm will have desired experience in the SEO field. Moreover, it will have experienced team of SEO experts, which will give advantage of choosing the best line of SEO services. Right SEO service providing company will also provide apt SEO consultants ready to assist you at any point of time.Adhere to these points by heart and be assured to get hold of right and best SEO service providers working for your website requirements. Start hunting for suitable SEO company right away else your will be left far behind in the increasing competition. </p>]]></content:encoded> <wfw:commentRss>https://xijlqms.info/how-to-find-best-seo-company/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Comes First: Business Strategy or Tax Strategy?</title> <link>https://xijlqms.info/what-comes-first-business-strategy-or-tax-strategy</link> <comments>https://xijlqms.info/what-comes-first-business-strategy-or-tax-strategy#comments</comments> <pubDate>Fri, 31 Mar 2023 11:20:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://xijlqms.info/?p=57</guid> <description><![CDATA[Any business advisor will tell you the answer, but what’s happening in the real world?Here are a few examples:VATWhen Jeanne started her exercise class business, she decided after taking advice that she wouldn’t register for VAT. It makes sense. If you want to compete with everyone else then you can’t charge 20% higher prices to [...]]]></description> <content:encoded><![CDATA[<p> Any business advisor will tell you the answer, but what’s happening in the real world?Here are a few examples:VATWhen Jeanne started her exercise class business, she decided after taking advice that she wouldn’t register for VAT. It makes sense. If you want to compete with everyone else then you can’t charge 20% higher prices to include VAT. But now she’s stuck. She can’t grow the business beyond the VAT threshold because she would have to increase her prices or take a significant reduction in margin. Now she’s contemplating setting up separate businesses to boost her earnings. It’s quickly going to get complicated – she can do without all the distraction of doubling the admin work.Five years in to running his hair salon, Scott takes a day off a week and shuts early some days just to limit his takings to keep them below the VAT threshold. But he’s living hand-to-mouth.Which came first in these two cases: tax strategy or business strategy? The payoff of course is that both businesses reduce their tax bill, but at what cost?I’m sure this isn’t what was intended when a VAT registration threshold was included in the VAT legislation created in 1973.Income TaxJohn runs a sole-tradership and draws money from the business as he needs it and, more importantly, when it’s available during the year. His accountant then finds the most tax efficient way at the year-end to distribute his drawings between salary, expenses and dividends. Cashflow is not managed proactively, so while John knows what’s in the bank he doesn’t keep track of every due payment or receipt so he sometimes draws too much and leaves the business short of cash. This regularly causes him to have sleepless nights.Norman runs a limited company and runs it the same way. He takes no salary as such and reinvests most of the profits into the business to fund growth. He restricts his drawings to pay as little tax as possible. He’s looking to exit the business in 3-5 years. Unfortunately, because he’s not taking any kind of salary, let alone a market rate salary, he has no idea how profitable the business truly is and is complicating things for himself when he eventually come to sell.Ken is looking to buy a new vehicle for his business, that he will use personally too, in order to reduce his tax bill. However, his tax savings are less than savings he’ll make obtaining a vehicle this way compared to some of the alternatives.Which came first in these cases – business strategy or tax strategy? Again, the payoff is a lower tax bill, but at what cost in terms of business growth and equity?These examples are not rare. Many micro-businesses and SMEs are operated in a way that minimises tax liabilities. Their business strategy is defined by their tax strategy. In the real world, it seems, tax strategy more often takes priority over business strategy.And in every case described it is stunting the growth potential of the business. That may be OK in some cases, where the owner doesn’t want to grow. However, where they do it is holding them back. In any case, all businesses should be looking to grow at least a little just to overcome the effects of inflation!So what’s the solution? Some say that the government should change the tax rules to benefit SMEs even more. Others might point out that accountants are well placed to help business owners put business strategy before tax strategy. However, both of these “solutions” abdicate responsibility. Governments will forever tinker with tax rules, shaving a bit here and adding a bit there. The overall result is added complexity, confusion and probably a ligher wallet. Tax advisers will prioritise minimising the tax bill because that’s their job and the tangible, immediate benefits show how good they are at it.The solution then is for business owners to recognise that a successful business should pay taxes. That a successful person contributes to society by paying taxes. And to be successful means developing and implementing a business strategy that will achieve their goals not minimise tax.With a business strategy in place, then a tax strategy can be applied to mimimise the tax liability of that strategy without strangling business growth.So how do you create a business strategy? There are books written on the subject, but here are the essentials:<br />Define what you want to achieve, or start with the end in mind as they say. I don’t believe anyone really starts out wanting to build a sub-£78,000 turnover business. Many settle for that, but few start with that ambition. Starting with the end in mind allows you to pre-think what the business needs to look like in terms of turnover, profits, headcount, infrastructure, etc.<br />Look at what’s already available in the market and come up with something different. That might be a different target market, or a different way of delivering what you offer. But to avoid competing on price (like Jeanne) you must have something different to offer your target market, not just a little better, or smaller, or bigger, or faster, or whiter, but completely different.<br />Figure out which people would want to buy that difference and why they would buy it – why should they care enough to part with their hard-earned cash?<br />Figure out how to tell people about it and how they can get hold of it most easily.<br />Then create a plan to help you understand how the cashflow will be generated to achieve your goal. Too few business plans are written to aid understanding of the specific steps involved in achieving a goal and the risks associated with those steps. Write yours with those two things in mind.<br />Follow the plan step by step and adapt it regularly as you gather real world data to support or otherwise your business idea.<br />Discuss with your tax advisor/accountant how to minimise the tax liability of the plan and impress upon them that changing the plan is not an option.<br />If you’re already in business, it’s not too late to figure out a more effective strategy to achieve your goals. The best time to start is today. </p>]]></content:encoded> <wfw:commentRss>https://xijlqms.info/what-comes-first-business-strategy-or-tax-strategy/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What You Should Expect From A Children’s Disco Entertainer: The Equipment</title> <link>https://xijlqms.info/what-you-should-expect-from-a-childrens-disco-entertainer-the-equipment</link> <comments>https://xijlqms.info/what-you-should-expect-from-a-childrens-disco-entertainer-the-equipment#comments</comments> <pubDate>Mon, 27 Feb 2023 17:43:49 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://xijlqms.info/?p=54</guid> <description><![CDATA[So you’ve booked your children’s disco entertainer; you’ve got the confirmation of booking. The day arrives, and he’s going to be bringing all of his stuff. Shock horror! What will he be bringing with him? Did you forget to ask?Well not to worry! This guide will give you a reasonable idea as to what you [...]]]></description> <content:encoded><![CDATA[<p> So you’ve booked your children’s disco entertainer; you’ve got the confirmation of booking. The day arrives, and he’s going to be bringing all of his stuff. Shock horror! What will he be bringing with him? Did you forget to ask?Well not to worry! This guide will give you a reasonable idea as to what you can expect your entertainer to bring with him as part of the price, and what you will probably have to pay extra for.Of course, this is a guide only, and all disco entertainers are different. The bottom line is to check what he will be bringing!Essential equipmentSpeakersThe first thing to consider is the speaker system. Most speakers will be loud enough for an average function of say 0-30 children. However, larger sets of children, such as a school year, can be exceptionally loud when in the same hall. This means that the disco will need to be loud enough for all the children to hear him.CD Player/iPod/otherWithout CDs, there is no music! Well, that’s not strictly true. The entertainer may make use of an iPod or other similar device to play the songs with instead. Please be aware that there are certain licenses to be adhered to when music is in non-CD format. If the entertainer isn’t using CDs, then he or she may require something known as a pro-dub license.LightsWhat is a disco without lights? Most DJ entertainers will bring a lightshow with them, but not all lightshows are equal! Where one entertainer might turn up with a single light, other entertainers will come with a much more impressive lighting rig. Remember to ask about the entertainer’s lightshow. Most entertainers with a decent show will have had pictures taken to show you.Common equipmentBubble MachineA lot of entertainers bring a bubble machine with them. These are brilliant fun for children of any age and will often get them jumping around trying to catch as many bubbles as they can before the music even starts!If the entertainer is bringing a bubble machine, then you should ask about safety aspects such as a slippery floor. Your entertainer should bring a non-slip mat or similar safety feature to counteract this potential safety hazard.Smoke MachineChildren also love smoke machines, and they are able to enhance any lightshow. They turn a laser or LED light from just a collection of dots on the floor into a beautiful array of light.Depending on the exact smoke machine, please be wary that there is a chance of setting off a fire alarm if too much is used. To counteract this problem, it may be plausible to leave a window or door open to let the smoke disperse naturally after it has done its job.<br /> <br />Thanks for reading! </p>]]></content:encoded> <wfw:commentRss>https://xijlqms.info/what-you-should-expect-from-a-childrens-disco-entertainer-the-equipment/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Health Care Reform is Here</title> <link>https://xijlqms.info/health-care-reform-is-here</link> <comments>https://xijlqms.info/health-care-reform-is-here#comments</comments> <pubDate>Thu, 26 Jan 2023 09:18:47 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://xijlqms.info/?p=52</guid> <description><![CDATA[Health care reform became law on March 23. There are many questions that have yet to be answered, and IQHSA.com has been hard at work to determine how health care reform will affect you and your business. Many specifics of the different reform provisions remain undefined. Due to how the law was written, there is [...]]]></description> <content:encoded><![CDATA[<p> Health care reform became law on March 23. There are many questions that have yet to be answered, and IQHSA.com has been hard at work to determine how health care reform will affect you and your business. Many specifics of the different reform provisions remain undefined. Due to how the law was written, there is ambiguity and a need for regulatory agencies to provide clarification. In the months and years ahead, we expect federal agencies to issue regulations and guidance on many aspects of the legislation.Here are seven key health care reform components effective this year:1. Small Business Tax Credits – Small businesses up to 25 employees could be eligible for tax credits for the coverage they offer employees.2. Dependent Coverage – Many health insurance carriers have been early adopters of the law that makes health insurance coverage available to adult children up to age 26. These dependent coverage benefits are now available.3. Grandfathering of Existing Policies – This is the “keep the plan you’re on” language used during the reform debate. The law provides that grandfathered plans – plans that were in effect at the time the law was signed on March 23, 2010 – do not need to comply with certain reform requirements (although many apply to grandfathered plans as well). Regulations are expected to clarify what changes can be made to plans without jeopardizing grandfathered status.4. High Risk Pool – The new law requires that health insurers must offer coverage to anyone regardless of health status, and that goes into effect in 2014. High-risk pools are being developed in the interim to insure those who don’t currently qualify for health insurance. While some states already have high-risk pools, Arizona doesn’t. Gov. Jan Brewer has already replied to the Department of Health and Human Services that Arizona – which had the option to create its own high-risk pool or defer to a national pool – cannot afford to create one.5. Mini Exchange – Now commonly referred to as “The Web portal,” this is a first step in the reform legislation that aims to assist consumers by providing private health insurance coverage information (the full exchange will be activated in 2014). Regulations have been issued that define the information insurers and others are required to submit to HHS and many health insurance carriers are compiling the information necessary to meet the May 21, 2010, submission deadline for Phase I.6. Reinsurance for Early Retirees – Health care reform legislation provides for the establishment of a temporary reinsurance program to reimburse participating employment based plans for a portion of the cost of providing health insurance coverage to early retirees. Final regulations have recently been issued that provide more details about the program and the application and claims submission processes.7. Medical Loss Ratios – The affect of the federal law aimed at keeping health insurers’ administrative costs in check is unclear, in part because federal definitions of how carriers will have to calculate medical loss ratios haven’t been determined. We will continue to bring you all the latest on health care reform but in the meantime we invite your comments and questions at IQHSA.com. </p>]]></content:encoded> <wfw:commentRss>https://xijlqms.info/health-care-reform-is-here/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Weight Loss Motivation Rules</title> <link>https://xijlqms.info/weight-loss-motivation-rules-2</link> <comments>https://xijlqms.info/weight-loss-motivation-rules-2#comments</comments> <pubDate>Thu, 26 Jan 2023 09:17:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://xijlqms.info/?p=50</guid> <description><![CDATA[Successful weight loss Rules for Weight loss motivation.As with any plan there are always rules. Weight loss is no different; after all it is a battle, a battle of mind over body and every battle has rules. Below is what I consider to be the golden rules of weight loss.These are, in order,o You are [...]]]></description> <content:encoded><![CDATA[<p> Successful weight loss Rules for Weight loss motivation.As with any plan there are always rules. Weight loss is no different; after all it is a battle, a battle of mind over body and every battle has rules. Below is what I consider to be the golden rules of weight loss.These are, in order,o You are responsible for yourself and actionso There are downsides as well as ups, take the rough with the smootho Pick the weight loss routine suitable for youo Take the routine seriouslyo And follow through to the endYou are responsible for yourself and actionsRemember, a diet is a selfish action; it is for one person and one person only. A diet should be undertaken for your own needs and desires, not others, for this reason alone it is your very person that is responsible for its success or failure. Pressure is applied more often than not by others and surroundings, but you will have to be strong.There will be up’s and down’sSo, going with the theory that most people will take some time to realize the truth of the magic rules, the first thing that you need to do then to begin your weight loss regime, is to realize that it is not going to be an easy road to walk or run down.There will be many tempting goodies like: cream cakes, full fat coffees, cream cheese bagels, the ever popular Burger chains and so on and so forth, littering your path. It is up to you to resist and not give in to these temptations.I kid you not! It will not be easy so I will not even pretend that we can pass these by without being tempted one or two times and indeed giving into temptation. That would be delusion on a grand scale, and since we are for the moment at least, all about self-honesty, let’s acknowledge the fact that we will fall off the wagon, most do.But as I said earlier, what matters is not that you fell off the wagon in the first place, but what you do with yourself afterwards. Get up, dust off those cookie crumbs and get right back on the weight loss wagon. You can do it.And this is really what you need to realize so early on, the fact that you will fall off the weight loss wagon, and the fact that your road will be literally paved with tempting morsel after tempting morsel.Once you can realize and acknowledge this fact for yourself, you will find that you are better armed to deal with these.You will also find that being prepared for these little wayside problems, makes it easier for you to tackle them head on, and in many cases, makes it easier for you to turn a blind eye to temptation (most of the time).Pick a Weight loss Routine Best For YouYou have decided that you want to lose weight and you are going about trying to find a way to make this a reality.Now you need to take a few minutes away from your busy schedule to deicide exactly what measures you can implement in your lifestyle to make it easier for you to lose weight, and also decide how much time you are willing to devote to doing this.This might be more difficult for you than you think, but the thing is for it not to become daunting at this first hurdle.If you have only a very minimal time frame on your hands to devote to your goal of losing weight, there is no need to despair.Since you have already begun the crucial process, you only need to follow through with it and implement a plan that will enable you to do so despite your busy schedule.Take things one at a time and don’t try to do everything at once. With a limited amount of time on your hands first concentrate on one aspect of your weight loss plan.If you want to implement an exercise regime, then do so. Leave the diet plans for a later date when you are better able to deal with it, or when your exercise routine has become a set part of your life.This way, you will be able to gradually incorporate your entire weight loss plan into your life, without having to leave anything out, or without having to feel beleaguered.The key factor when going through with this golden rule is that you need to find the right balance of diet and/ or exercise for you, the one plan that will fit seamlessly into your lifestyle habits without taking you too out of your way.Take the Routine SeriouslyIf you went through the earlier golden rule, you know that in choosing the best weight loss plan for you, you need to choose one that fits into your lifestyle.The reason you are doing this, is to make this particular golden rule – the one about following through on your weight loss plan – a reality instead of a wish.Many people, myself included, find it easiest to start something; it is the follow through that we find difficult, and because of this, we find it easy to let go of our ideas and plans when the going gets tough.By choosing a weight loss plan that fits naturally into your lifestyle to begin with, you are making it that much easier for you to stay the course and to follow through on your weight loss plans.If you look at it reasonably you will see that what I am saying makes sense. Think about it. If you have great ideas on how to lose weight and put them into action, you can be assured that for the first few days and weeks at least that you will go through with them.But what happens when you have to break through your routine to attend to something else? Since life can never be planned out down to a T, you can be assured of getting these interruptions, and frequently, if you lead a busy life.Well, to begin with, you would try and keep as close to your plans as possible, but there may be one or two days when you need to abandon them altogether to accommodate outside influences.When this happens, which weight loss plan do you think you are most likely to follow through on, once you get back to your normal routine?The one which is great, but which takes you out of your normal routine and which requires you to push and prod yourself to get back into it?Or the one which is maybe not as great as your original grand plan, but which runs more or less parallel to your normal routine, and which you can fall into more easily because it doesn’t require you to go out of your way?I know which one I would chose, but this is because I know myself. I know that if I had to go out of my way over and over again, if I had to push and prod myself to get into my weight loss routine every time life threw a curveball at me that I would not follow through with it.In fact, my life to date is littered with many of these grand weight loss plans and schemes, and for myself at least, I can attest that none of these worked the wonders that they should have. The plans were sound; it was the execution of them that left a lot to be desired!It took a little bit more of down-to-earth thinking, and my realization of the golden rules for me to lose weight successfully and keep it off.What you need to take away from this section, is the knowledge that sometimes life will throw a spanner in the works. You will find your weight loss plans going for a six, but that doesn’t mean that you should quit.Whether you have a “great” weight loss plan, or whether you have a not-so-great weight loss plan in the works, you need to follow through on your original plans and ideas and not give up.It is at this point in your weight loss plans that it’s going to be all too easy to give up and go back to your old ways. Don’t.If you think you might have trouble on the follow through, be prepared for this eventuality and plan for it accordingly.And follow it through the endThe thing that will help you to lose weight, and will also help you to keep the weight off, is if you follow the plan through to the very end with your decision to lose weight.In other words if you have set yourself a target weight, then stick to it. Follow through to the end, and don’t give up.If you have been reading through the earlier sections, or if you have gone down this route before, then you know how much easier it is to start yourself on a weight loss regime than it is to continue on with it.And you will also probably know how much easier it is to follow through on such a course if you give yourself a little nudge, than it is to see it through to completion.Many of us, even if we do manage to successfully drag ourselves through our weight loss routine day after day, will find that it is harder to stay on track as time goes by and your goal comes ever closer.In my case most of the time, even when I followed through to nearly the end, I found myself losing the will to continue.This was mainly due to the fact that I was not as committed in the beginning as I could have been which in turn meant that I was only staying the course because I was forcing myself to do so, and not because I really wanted to.And this meant that when the going got tough, I got going – in the opposite direction most times!Since it was difficult enough to stay the course when things were happening normally in my life, it was near on impossible to stay the course when things went even slightly out of sync.The end result? I would always, always find some way, some little loophole to exploit which would necessitate my going off my weight loss regime.So to see you through to your weight loss target, you need to follow through, and make a conscious decision that you will see it through to the end. But you also need to have that commitment to yourself and to your goal that you will see it through to the end.And really, it is only when you want to do this, when you have the commitment to stick with it come hell or high water, that you will find that you not only lose the weight, but you find that you also keep it off. </p>]]></content:encoded> <wfw:commentRss>https://xijlqms.info/weight-loss-motivation-rules-2/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Weight Loss Motivation Rules</title> <link>https://xijlqms.info/weight-loss-motivation-rules</link> <comments>https://xijlqms.info/weight-loss-motivation-rules#comments</comments> <pubDate>Thu, 26 Jan 2023 09:15:24 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Weight-Loss]]></category> <guid isPermaLink="false">http://xijlqms.info/?p=47</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://xijlqms.info/weight-loss-motivation-rules/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>S&P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows</title> <link>https://xijlqms.info/sp-500-rallies-as-u-s-dollar-pulls-back-towards-weekly-lows</link> <comments>https://xijlqms.info/sp-500-rallies-as-u-s-dollar-pulls-back-towards-weekly-lows#comments</comments> <pubDate>Wed, 26 Oct 2022 05:47:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Advertising]]></category> <category><![CDATA[Branding]]></category> <category><![CDATA[Business]]></category> <category><![CDATA[Business Travel]]></category> <category><![CDATA[Careers Employment]]></category> <category><![CDATA[Consulting]]></category> <category><![CDATA[Furnishings and Supplies]]></category> <category><![CDATA[Industrial Mechanical]]></category> <category><![CDATA[International Business]]></category> <category><![CDATA[Interviews]]></category> <category><![CDATA[Management]]></category> <category><![CDATA[Marketing]]></category> <category><![CDATA[Networking]]></category> <category><![CDATA[Sales Management]]></category> <category><![CDATA[Sales Training]]></category> <category><![CDATA[Security]]></category> <category><![CDATA[Small Business]]></category> <guid isPermaLink="false">http://xijlqms.info/?p=42</guid> <description><![CDATA[Key Insights The strong pullback in the U.S. dollar provided significant support to stocks. Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500. A move above 3730 will push S&P 500 towards the resistance level at 3760. Advertisement Pfizer Rallies After Announcing A Huge Price [...]]]></description> <content:encoded><![CDATA[<p>Key Insights<br />The strong pullback in the U.S. dollar provided significant support to stocks.<br />Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500.<br />A move above 3730 will push S&P 500 towards the resistance level at 3760.<br />Advertisement</p><p>Pfizer Rallies After Announcing A Huge Price Hike For Its COVID-19 Vaccines<br />S&P 500 is currently trying to settle above 3730 as traders’ appetite for risk is growing. The U.S. dollar has recently gained strong downside momentum as the BoJ intervened to stop the rally in USD/JPY. Weaker U.S. dollar is bullish for stocks as it increases profits of multinational companies and makes U.S. equities cheaper for foreign investors.</p><p>The leading oil services company Schlumberger is up by 9% after beating analyst estimates on both earnings and revenue. Schlumberger’s peers Baker Hughes and Halliburton have also enjoyed strong support today.</p><p>Vaccine makers Pfizer and Moderna gained strong upside momentum after Pfizer announced that it will raise the price of its coronavirus vaccine to $110 – $130 per shot.</p><p>Biggest losers today include Verizon and Twitter. Verizon is down by 5% despite beating analyst estimates on both earnings and revenue. Subscriber numbers missed estimates, and traders pushed the stock to multi-year lows.</p><p>Twitter stock moved towards the $50 level as the U.S. may conduct a security review of Musk’s purchase of the company.</p><p>From a big picture point of view, today’s rebound is broad, and most market segments are moving higher. Treasury yields have started to move lower after testing new highs, providing additional support to S&P 500. It looks that some traders are ready to bet that Fed will be less hawkish than previously expected.</p><p>S&P 500 Tests Resistance At 3730</p><p>S&P 500 has recently managed to get above the 20 EMA and is trying to settle above the resistance at 3730. RSI is in the moderate territory, and there is plenty of room to gain additional upside momentum in case the right catalysts emerge.</p><p>If S&P 500 manages to settle above 3730, it will head towards the next resistance level at 3760. A successful test of this level will push S&P 500 towards the next resistance at October highs at 3805. The 50 EMA is located in the nearby, so S&P 500 will likely face strong resistance above the 3800 level.</p><p>On the support side, the previous resistance at 3700 will likely serve as the first support level for S&P 500. In case S&P 500 declines below this level, it will move towards the next support level at 3675. A move below 3675 will push S&P 500 towards the support at 3640.</p>]]></content:encoded> <wfw:commentRss>https://xijlqms.info/sp-500-rallies-as-u-s-dollar-pulls-back-towards-weekly-lows/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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