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<content:encoded><![CDATA[<p> When talking about money, everybody seem ...
<?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>caleraio.info</title> <atom:link href="http://caleraio.info/?feed=rss2" rel="self" type="application/rss+xml" /> <link>http://caleraio.info</link> <description></description> <lastBuildDate>Wed, 18 Oct 2023 17:05:08 +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>Payday Loans: Simple Emergency Cash</title> <link>http://caleraio.info/?p=67</link> <comments>http://caleraio.info/?p=67#comments</comments> <pubDate>Tue, 18 Jul 2023 01:22:28 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://caleraio.info/?p=67</guid> <description><![CDATA[Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any … <a href="http://caleraio.info/?p=67">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>http://caleraio.info/?feed=rss2&p=67</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Small Business Ideas For Starting a Business With Little Or No Money</title> <link>http://caleraio.info/?p=64</link> <comments>http://caleraio.info/?p=64#comments</comments> <pubDate>Sun, 09 Jul 2023 22:06:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://caleraio.info/?p=64</guid> <description><![CDATA[When talking about money, everybody seems to be interested. They say that there is no free lunch. Whatever you may be doing, you would want something in return. And, when you are talking about business, people will instantly daydream about … <a href="http://caleraio.info/?p=64">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> When talking about money, everybody seems to be interested. They say that there is no free lunch. Whatever you may be doing, you would want something in return. And, when you are talking about business, people will instantly daydream about cash notes flowing in. The truth is that everybody would prefer to live in luxury homes rather than on a shoestring. In bad economy times, you must have thought of initiating a new business. Looking at your closest fellow, standing firmly with his luxury real estate business, you would also want to find new ways of making money.As soon as the thought of starting a new business comes to your mind, your next worry is money. To initiate any business you must require some capital. And, when you are going through critical financial conditions, arranging for capital money might be a big concern. However, it is not necessary that you always have to have a hefty sum of money to begin a small business. There are a lot of ways that will promise you a successful small business of your own, and wouldn’t require a lot of money. Take a look at the options below.Very commonly, you will find yourself to be able to troubleshoot different problems associated with your electric appliances. Besides electronics, if you are able to do different handyman tasks on your own, you can open up a repair service. Tasks like plumbing, troubleshooting appliances, garage repair, etc. can earn you money out of your hobby. All you have to do is spend a little money on creating an ad and make copies of it. Stick it around your town and advertise your services.You can also offer a few cleaning services. The target audience for this will be busy working people who do not have time to clean up on their own. You can offer them housecleaning services. However, if the idea of cleaning someone else’s mess disturbs you, you can think about selling different cleaning products around your neighborhood. You will have to invest some money in basic cleaning supplies, and find out a few reliable cleaning methods with your research. You can sell these products at grocery stores, day care centers and to parents of little children.Online business so far is the best small business idea that can be initiated from little money. You can find different items in your house that are just lying in corners and are not in use. Different items like antiques, unopened gifts, or any furniture that you do not use might be sold online. You will have to create accounts and auction websites to put these items for sale, and that’s it!If you are a social butterfly, you can also do some event planning to make money. Because you will be in the habit of exploring new locations and meeting new people, event planning would not be a difficult task for you. You can advertise your services and help people arrange their parties.Starting a small business with little money in your pocket is not a difficult task if you can easily locate the hidden passion inside you. 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href="http://vvhatto.info/">vvhatto.info</a></p>]]></content:encoded> <wfw:commentRss>http://caleraio.info/?feed=rss2&p=64</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Booming: Television News Channels in India</title> <link>http://caleraio.info/?p=59</link> <comments>http://caleraio.info/?p=59#comments</comments> <pubDate>Thu, 11 May 2023 17:21:31 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[basic finance]]></category> <category><![CDATA[finance]]></category> <category><![CDATA[finance basics]]></category> <category><![CDATA[finance books]]></category> <category><![CDATA[finance bros]]></category> <category><![CDATA[finance career]]></category> <category><![CDATA[finance degree]]></category> <category><![CDATA[finance frauds]]></category> <category><![CDATA[finance kya hai]]></category> <category><![CDATA[finance major]]></category> <category><![CDATA[finance meaning]]></category> <category><![CDATA[finance news]]></category> <category><![CDATA[finance shorts]]></category> <category><![CDATA[finance stock]]></category> <category><![CDATA[finance with sharan]]></category> <category><![CDATA[fix finances]]></category> <category><![CDATA[fix my finance]]></category> <category><![CDATA[learn finance]]></category> <category><![CDATA[mba finance]]></category> <category><![CDATA[mba finance jobs]]></category> <category><![CDATA[mba in finance]]></category> <category><![CDATA[personal finance]]></category> <category><![CDATA[public finance]]></category> <category><![CDATA[raga finance]]></category> <category><![CDATA[study finance]]></category> <category><![CDATA[what is finance]]></category> <category><![CDATA[yahoo finance]]></category> <category><![CDATA[yahoo finance premium]]></category> <guid isPermaLink="false">http://caleraio.info/?p=59</guid> <description><![CDATA[News programmes have suddenly become hot property and are vying for attention with other popular programmes telecast in different channels. All major television broadcasters are including at least one news channel to their bouquet. The biggest headache for launching a … <a href="http://caleraio.info/?p=59">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> News programmes have suddenly become hot property and are vying for attention with other popular programmes telecast in different channels. All major television broadcasters are including at least one news channel to their bouquet. The biggest headache for launching a satellite channel is programme software for round the clock. In this juncture, newsgathering is a major task for the 24-hour news channels. To cater this task, the emerging electronic channels have always made an attempt to cover all the incidents irrespective of position, location and time. These channels not only revolutionized the concept of news on Indian television but also changed the news formats. Before 1990s, Doordarshan had monopolized newscast on Indian television and also turned the news programs into a dowdy exercise. Now the private channels made the news an essential commodity like food, cloth and shelter. The strong point of all today’s news bulletins is their topicality, objectivity, glossy editing and high-quality visuals. News has traveled a long way from the DD era. From Local events to International events, breaking news to news analysis, television soap to page3 news, every happening comes under purview of news. In this article, we have covered some significant changes in news broadcasting in India before and after the Gulf War.Indian Television – Flash BackTelevision in India is undergoing significant changes in the current liberalized environment. To understand these changes, one needs to have some brief idea of the road covered by the television channels so far. The journey started as an experimental basis with a financial grant from UNESCO in 15th September 1959. The makeshift studio at Akashvani Bhavan in New Delhi was chosen for location of the experiment. The experiment started with one-hour program, broadcast twice a week, on community health, citizen rights, education and traffic sense etc. As far as news is concerned, it was launched exactly six years after the inception of television broadcasting. Daily one-hour program with a news bulletin was served to the Indian viewers. But one major drawback of television was that you could not enjoy the original colour of the objects because of black and white transmission. First multi-color programme was the Prime Minister’s address to the nation from Red Fort in Delhi on India’s 35th Independence Day. In the same day, DD National channel was launched. The aim of launching the National channel is nurturing national integration, and inculcating a sense of pride in Indians. Indian viewers also enjoyed the colored version of the Asian Games hosted by New Delhi in their drawing room. The coverage of major events and different occasions lend a big hand behind the infiltration of television signals to the nook and corners of the subcontinent. Indian Government had taken all possible steps to expand the television broadcasting demographically and geographically. In 1983 television signals were available to just 28% of the population, this had doubled by the end of 1985 and by 1990 over 90% of the population had access to television signals. In 1984, DD Metro channel was added to provide an exclusive entertainment for the urban viewers. In the beginning, this channel was confined to metropolitan cities.<br />As a public broadcaster, Doordarshan presented the news in naturalized manner. All controversial issues were pushed under the carpet. The ruling government had a strong hold on the television broadcasting. Doordarshan news bulletins were unable to provide the international news to the national viewers. Objectivity had been the first casualty as news was invariably slanted to suit the party in power. The news was liberated from the confines of the DD newsroom and gained in objectivity and credibility when New Delhi Television (NDTV) produced ‘The World This Week’ in 1988. Everyone was waiting for the Friday night to watch ‘The World This Week’. This was the only India-based programme, which looked out at the rest of the world. The World This Week was the best current affairs programme on the international scenario and carried good stuff of news, which the regular DD news was failed to carry out. This program is ranked as one of the country’s finest and most popular television shows. In 1989, NDTV produces India’s first live televised coverage of the country’s general elections. The critical and commercial success of the coverage sets a new standard for Indian television. After the Gulf War the media panorama has changed forever.Golf War – The CatalystPost-1990 satellite television in India has become transnational in nature. It coincided with the entry of multinational companies in the Indian markets under the Government policy of privatization. International satellite television was introduced in India by CNN through its coverage of the Gulf War in 1991. In August 1991, Richard Li launched Star Plus, the first satellite channel beamed the signal to Indian subcontinent. Subhash Chandra’s Zee TV appeared in October 1992. It is India’s first privately owned Hindi channel to cater the interest of Indian viewers. This ignition followed by Sony and a little later by domestic channels such as Eenadu, Asianet and Sun TV. Entertainment programs had begun to occupy center stage in the organization’s programming strategies and advertising had come to be main source of funding. Doordarshan’s earlier mandate to aid in the process of social and economic development had clearly been diluted. Doordarshan had faced a stiff competition in news and public affairs programming with international channels like BBC and CNN. Doordarshan planned to sell some slots for news programme under sponsored category. In February 1995, NDTV becomes the country’s first private producer of the national news ‘News Tonight’, which aired on the country’s government-owned Doordarshan set a new landmark for Indian television because of its on-the-spot reporting with pertinent visuals. In the same year, TV Today Network occupied a 20 minutes slot in DD Metro channel and aired a Hindi and current affairs programme ‘Aaj Tak’. This programme became popular for its comprehensive coverage and unique style presentation by Late S. P. Singh. Still we remembered the sign-up message “Ye Thi Khabar Aaj Tak, Intizar. Kijiye Kal Tak”. Large number of viewers across India had been watching Aaj Tak as a daily habit because of its innovative style of news presentation. Besides that Nalini Singh’s five-minute fast paced, condensed daily news capsule Ankhon Dekhi, TV Today Network’s Business Aaj Tak and Newstrack was aired on the Metro channel of Doordarshan. This is the period when satellite channels concentrated on entertainment programmes for their respective channels. Doordarshan was still ruled the most wanted area ‘news’.Major PlayersDoordarshan’s monopoly was broken in 1992, when private television channels infiltrated into the Indian boundaries and entertain the viewers as much as possible. In the beginning of 1990s, the private channels offered only entertainment programmes. The entertainment programs include family drama, comedy serials, children programmes, cartoons, movies, talk shows, recipe shows, musical concerts, non-fiction programmes etc. Private entertainment channels added some infortainment programmes to their Fixed Point Charts (FPC). Keeping the demand of infotainment programmes in mind, the media houses started to produce news magazines, entertainment magazines and news programmes for different channels. India’s premier business and consumer news broadcaster and a leading media content provider, Television Eighteen India Limited (TV18) started India’s first ever entertainment magazine ‘The India Show’ on Star Plus in 1993. This emerging media powerhouse provided prime time television content to almost all leading satellite channels in India including BBC, Star Plus, Sony Entertainment Television, Zee, MTV and Discovery. After The India Show, TV18 produced a weekly business news program India Business Report for BBC World. Indian viewers had very limited options (like public service broadcaster Doordarshan, BBC and CNN) for watching the television news. For televised news, the viewers had to watch Dordarshan and some international news channels like BBC or CNN. In this race to provide more news, more information, Zee Television jumped into the battlefield by launching the news channel Zee News in 1995. This News and current affairs channel revolutionized the way news was delivered to the viewers. Since its inception Zee News has endeavoured to be the fastest to provide news, working towards a single goal of Sabse Pahle (Always First). The other round-the-clock news channel, the Murdoch-owned Star TV beamed its exclusively 24-hour news channels, Star News in 1998. Star made a contract of five year with Prannoy Roy-owned NDTV (New Delhi Television Company) to provide news content for this news channel.<br />The untiring exhaustive coverage of the Kargil war between India and Pakistan gained more publicity and attracted more viewers towards the electronic channel. This televised conflict also sets a news benchmark for wartime journalism. During the Kargil war, common citizens witnessed how their brave Jawans fought despite in hostile conditions and watched the war front live by the exclusively news channels, Star-TV and Zee-News. The live coverage of the battlefield helped to create a euphoria of patriotism among the Indian masses, which later facilitated into collecting huge funds for the welfare of the families of Kargil martyrs. Every news programme draws the attention of large number of viewers but Kargil war attracts private broadcasters to invest more money in the broadcasting business by launching a news channel. In November 1999, TV18 entered into a 49:51 joint venture with CNBC Asia to launch CNBC India. TV18 is the sole program provider to CNBC India, and produces 12 hours of local content per day on this 24-hour satellite channel.<br />After the huge success of news programme ‘Aaj Tak’, TV Today group launched a 24-hour Hindi news channel with the same name ‘Aaj Tak’, in December 2000, which covers India with insight, courage and plenty of local flavour. Within 11 months of its launch, Aaj Tak emerged as India’s number one news channel and was awarded Best News Channel award from Indian Television Academy Awards. Some mega events apart from regular interesting items (such as Kandhahar hijack, September 11 attacks, Afghanistan war, attack on Parliament, Iraq war, Godhra carnage and riots) have driven up the viewership. As time passed, NDTV’s five years contract with Star group for outsourcing of news and related programming expired on March 2003. With the expiry NDTV forayed into broadcasting business by simultaneously launching two 24-hour news channels; NDTV 24X7 – English news channel and NDTV India – Hindi news channel, which targets the Indian diaspora across the world. News crazy Indians received more news at faster speed from different channels. Any unusual happening can be caught by the television camera anywhere form Rastrapati Bhawan to bedroom. The power of TV journalism was become more visible by the major sting operations like Operation West End and Shakti Kapoor Case. This style of investigative journalism has brought about a change in the way we look at news, amidst new notions of editorial freedom. The world’s largest family ‘Sahara India Parivar’ launched a 24-hour national Hindi news channel, Sahara Samay, in March 28, 2003. It is the first ever city-centric satellite news channels covering 31 cities in India with their own city news bulletins. Keeping the demand of news in mind, the Union cabinet approved the proposal to convert the DD Metro to DD news in a meeting held on 3 October 2003. Consequent to these decisions, DD-News channel was launched on 3 November 2003. You might have noticed that the news channels are language specific. But DD’s news channel contains the round the clock news bulletins in Hindi/ English are also telecast twice a day on the National Network of DD National.<br />‘Aap Ki Adalat’ fame Rajat Sharma, Sohaib Ilyasi, the man behind the highly successful ‘India’s Most Wanted’ and Taun Tejpal, editor-in-chief of Tehelka roped together and launched a free-to-air Hindi news and current affairs channel India TV on May 20, 2004. Indian viewers had more expectations from this channel. The much-awaited news channel hopes to set itself apart from the existing ones by setting new benchmarks of responsible journalism. Speaking on the occasion of the launch, Rajat Sharma, chairman, India TV, said, “We aim to change the way broadcast news reporting is being conducted in the country. India TV will set new benchmarks by maintaining international standards of responsible and credible news reporting. We will stay away from graphic depictions of violence and sensationalism of news. We will uphold the viewer’s right to correct information and their right to truth and verity. India TV is not just a news channel, it is a movement.” NDTV as a pioneer in Indian television news, set to create a fresh revolution in high-quality business news with the launch of NDTV Profit. NDTV launched this 24-hour business channel on January 17th, 2005.<br />There is no saturation point in launching of news channel, just booming like sky as the limit. Entertainment channel to infotainment channel, infotainment channel to news channel, news channels to business channel and Business channel to lots more. Now the satellite channels become more topicality with international standard. When we are talking about topicality, CNBC TV18, the only business channel, continues to be the medium of choice for India’s decision makers, affluent audiences across the country since 1999. It has set the pace for the growth in number of television channels by launching a 24-hour consumer channel in Hindi called ‘ Awaaz’. This news channel focusses on empowering consumers on decision-making related to investment, saving and spending. All the programmes are catering to consumers across different walks of life, which included personal finance; variety of markets including commodity, stocks, savings etc.; small businesses; education & career guidance; and verticals like health, shopping etc.<br />Another news channel was finally launched into the already cluttered news space in Indian television. Jagran TV Pvt Limited’s news channel, Channel 7 up-linked to the air on 27 March 2005. The channel has been set up to cater to the vast Hindi-speaking audiences, already being targeted by a slew of news channels. Channel 7 developed every programme with a bid to cater to all types of audiences and not just pre-dominantly male audiences who get attracted towards news channels.Regional LeadersTo cater the interest among the Indians, Doordarshan televises programmes in Hindi and associate Official languages. It has launched a number of Regional Language Satellite Channels (DD – 4 to DD – 11 and DD – 13) and telecast programmes in Assamese, Bengali, Gujarati, Malayalam, Marathi, Kannada, Telugu, Kashmiri, Oriya and Tamil. The Regional channels relayed by all terrestrial transmitters in the state and additional programmes in the Regional Language in prime time and non-prime time available only through cable operators. The Doordarshan regional satellite channels telecast major news programme with some entertainment programmes.<br />If you think about the private regional channels, they have followed the path of the Big brother (i.e Doordarshan). They are neither completely entertainment channel nor exclusively news channel. They are following the middle path and claiming themselves an infotainment channels. The private channels televise through the state dominant languages. Rising advertising revenues and increasing numbers of viewers have provided the impetus for many big players to enter into the business. Some regional media leaders like ETV, Sun TV, Asianet have a strong grip over the regional market. Some major players tried their luck in different states. Zee television has three regional channels; Zee Marathi, Zee Punjabi and Zee Bangla. Star Network entered into Tamilnadu by launching Star Vijay, one of the most popular entertainment channels in India broadcasting in Tamil. Besides that ETV Network is a part of the well-established Ramoji Group, has created 12 dedicated infotainment regional channels. ETV network is the source of rich entertainment of eight different languages. Those are: Telugu, Bangla, Marathi, Kannada, Oriya, Gujarati, Urdu; and Hindi to viewers in Uttar Pradesh, Rajasthan, Bihar and Madhya Pradesh. Every ETV Network channel focuses exclusively on its audience’s unique cultural identity, its aspirations and its distinct socio-political character. Let us think about the south Indian language Telugu, there are around twelve satellite channels are roaming around the sky with different taste and different flavour. These channels include three news channels, one song-based channels and rest are infotainment channels. When we confine ourselves into news, three channels (ETV2, TV 9 and Teja News) exclusively devoted to news programmes.<br />Sahara India Pariwar is proud to have five news channels as the bouquet of Sahara Samay. These channels are: Sahara Samay NCR, Sahara Samay Mumbai, Sahara Samay Bihar & Jharkhand, Sahara Samay Madhya Pradesh & Chattisgarh, and Sahara Samay Uttar Pradesh & Uttranchal. Sahara Samay has already managed to gain a loyal audience in India through a bouquet of National & Regional News Channels since its launch. These channels are youthful and vibrant channels targeting students and women, besides that hardcore news stuff. The regional news channels covers the entire spectrum of genre with specific programs on lifestyle, fashion, food, shopping, health and fitness, sports, education, career and city issues, besides giving user-friendly information on traffic updates, city events, train and air timings, etc. Now national news channels cannot confine its boundary to national level. They cannot ignore the regional news because of the stiff competition form the regional cannels. Regional news channels are entering into the competition with a strong will power and also with an aim to portrait regional issues in national and international level.ConclusionNow the television industry becomes more specific. In this competitive market, channels are targeting specific viewers. News channels attract more viewers beyond their target by producing interactive and interesting programmes. Every channel needs to do an extensive research on different concepts and different themes to attract more viewers and in the same time more advertisers. After all, advertisements are the bread and butter for the channels. With increased consumer preference for news programmes, television news channels have grown faster than other niche channels. News channels are booming just like sky as the limit. Those days are not far away, when we will get satellite news channel for every major city in India. Staying in abroad, we can update ourselves about all the happening of our hometown. Now news is not restricted to political happenings. It will be extended its limit to every unwanted and hided corners of the society. At last we can reach in the conclusion that anything, which is strange or disgusting, is news. There are no rigid rules, which defines news.Source:<br />[http://www.audiovisualcat.net/publicationsing/Q14india.pdf]</p><p>http://www.equitymaster.com/research-it/ipo/ndtv.asp</p><p>http://www.mouthshut.com/index.php?url=#&image=http://www.mouthshut.com/imagefiles/logo-ms.gif</p><p>http://www.screenindia.com/jul25/tele2.htm</p><p>http://www.indianembassy.org/indiainfo</p><p>http://www.india-today.com/itgroup/</p><p>[http://www.studio-systems.com/broadfeatures/JFMA98/NDTV/63.htm]<br />[http://www.ndtvtravels.com/aboutus.asp]<br />[http://cnbc-tv18.moneycontrol.com/cnbctv18/about_tv18.php]<br />[http://www.time.com/time/asia/magazine/article/0],13673,501030818-474534,00.html<br />[http://www.chennaionline.com/musicnew/Channels/05indiatv.asp]</p><p>http://www.prdomain.com/companies/s/sahara_india_pariwar/news_releases/200303mar/pr_sahara_india_nr_20030326.htm</p><p>[http://www.scatmag.com/tamreach_sept05.pdf]<br />[http://www.agencyfaqs.com/media/media_newslets/Media/4899.html]. </p><p>http://www.iht.com/articles/2005/06/26/business/indianews27.php</p>]]></content:encoded> <wfw:commentRss>http://caleraio.info/?feed=rss2&p=59</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Learn How to Attain a Top Quality Health Care Education With an Online Health Care Degree</title> <link>http://caleraio.info/?p=57</link> <comments>http://caleraio.info/?p=57#comments</comments> <pubDate>Sat, 18 Mar 2023 08:20:03 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://caleraio.info/?p=57</guid> <description><![CDATA[There are a wide array of online health care degree programs available to the student these days. Health care facility or nursing home administration, various nursing degrees, as well as physician assistance, Nurse practitioner, even nurses aid, pharmacy technician, or … <a href="http://caleraio.info/?p=57">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> There are a wide array of online health care degree programs available to the student these days. Health care facility or nursing home administration, various nursing degrees, as well as physician assistance, Nurse practitioner, even nurses aid, pharmacy technician, or health educator degrees are available.For those who wish to pursue an education in health care of any variety you can typically find an online health care degree program that will suit your requirements for distance learning. Colleges with very prestigious names these days are offering online learning experiences in a wide variety of health disciplines to the student.Advantages of Studying from HomeIn many cases, and particularly when you are already in the workforce, traditional classrooms are harder to attend. When there are additional obligations such as home and family, very often the adult student has no alternative for career advancement or added education since finding time for the classes isn’t always easy to accomplish.Getting an online health care degree of any kind can advance your career.The RN to BSN online health care degree for example offers advanced education and training to the technical RN in order to better prepare her for a position in public health nursing, in corporate nursing, or even as an assistant or director of Nursing in a health care facility. The addition of education and a more advanced degree opens new doors that would not have been possible for the RN just a few years ago due to time constraints.Conformity of StandardsThe level of education is typically no different than that which would be given in a classroom situation. Your materials and the areas in which you are tested are similar and the laws of your state determine the content and skills that you must master. The disciplines that each student must learn are determined by your universities accrediting body as well as the prerequisites of the state in which you will practice.While some students have concerns about the kinds of materials they will study and the methods which are used to present the lectures and other materials, there are some wide choices out there in the online university world. Choose the kind of lecture and other materials that you are most comfortable with and from which you take away the greatest amount of knowledge.Online studies differ widely, depending on where you attend your online health care degree programs Some will offer lectures in downloadable media format, while others will give text only lectures. Select your degree program from those which offer you the best program for your purposes. Make sure that your online health care degree comes from an accredited university and that you are eligible to take your appropriate state board exams. </p>]]></content:encoded> <wfw:commentRss>http://caleraio.info/?feed=rss2&p=57</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Digital Marketing And Its Importance</title> <link>http://caleraio.info/?p=55</link> <comments>http://caleraio.info/?p=55#comments</comments> <pubDate>Fri, 17 Mar 2023 16:43:49 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://caleraio.info/?p=55</guid> <description><![CDATA[Undoubtedly, the new and smart strategies for the businesses are the need of the hour. The market is now full with small and large scales business, thus the biggest challenge that both the consumers and producers both have to face … <a href="http://caleraio.info/?p=55">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Undoubtedly, the new and smart strategies for the businesses are the need of the hour. The market is now full with small and large scales business, thus the biggest challenge that both the consumers and producers both have to face is the presence of different brands selling the same product. For example, if you go to a store for buying dark chocolate, you can easily find 6-7 brands selling the dark chocolate even at the same price. This is the level of competition, which producers are facing these days. Therefore, to make your product recognized by everyone it is important to standout your business presence in the online world with smart digital marketing tactics.What is Digital Marketing?Digital Marketing is a broad term that includes advertising, promoting, and strengthening the online presence of businesses through digital platforms. Some of the digital tactics that fall under the umbrella of ‘Digital Marketing’ are digital advertising, email marketing, content marketing, pay-per-click, online brochures, and more. Unlike other offline marketing efforts, digital marketing allows getting accurate results in real time. For example, if you put an advertisement in the newspaper, it is nearly impossible to estimate how many people flipped to that page and paid attention to that ad. While with digital marketing, you can easily measure your ROI of any aspect of your marketing efforts. According to Crux Creative Solutions Private Limited, one of the best online marketing agencies in Delhi NCR is here to explain why digital marketing has become so important.Website Traffic: As discussed above, it is very difficult to understand how people are engaging with your brand through offline marketing. While online marketing helps you in identifying trends and patterns about how people are behaving with your brand. Hence, you can make better strategies in the future to attract more and more consumers to the website. Not only can this, with digital marketing you get the exact number of people who have viewed your website’s homepage in real time by using digital analytics software. These stats help you in deciding which digital strategies to continue and which to stop using.High Visibility on Search Engines: Search Engine Optimisation is another powerful digital marketing strategy that offers a variety of benefits to the business owners. As discussed, there is tough competition between the brands in the market. When we search any service on the search engine, we get 100s of results. Naturally, we believe in the top five searches because they are the most reliable website links according to Google. Thus, by optimizing your website content through digital marketing strategies, you can reach to more online buyers.Content Performance: Online marketing lets you estimate your content performance. Let us understand this with an example, imagine you have delivered pamphlets and posters to a different sector of societies. The problem is that you have no idea how many people opened those posters or threw it in the dustbins. Now imagine that you have that same poster on your website. You can exactly measure how many people clicked that poster, how many closed that poster and the details of those who clicked the poster. This not only informs how engaging is your content also generates leads for your website.Digital marketers at CRUX, the renowned digital marketing agency in Gurgaon offers the best campaign plans with excellent planning, adaptable strategies, and precise execution to cater to the needs of clients. After Fujifilm, Sony, Quantum Naturals, Park Hospital, and many more, we would love to have you in our client’s list. Our set of services includes creative designing, SEO development, web development, content marketing, and more. </p>]]></content:encoded> <wfw:commentRss>http://caleraio.info/?feed=rss2&p=55</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Niche Business Marketing – How to Do It</title> <link>http://caleraio.info/?p=52</link> <comments>http://caleraio.info/?p=52#comments</comments> <pubDate>Fri, 17 Mar 2023 15:12:10 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://caleraio.info/?p=52</guid> <description><![CDATA[Starting up a business is an easy job to do, but making it successful is challenging, especially when you’re competing against several business rivals. In that case, targeting a niche market is perhaps the most successful idea you can work … <a href="http://caleraio.info/?p=52">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Starting up a business is an easy job to do, but making it successful is challenging, especially when you’re competing against several business rivals. In that case, targeting a niche market is perhaps the most successful idea you can work on.To succeed in your business, you first need to determine the market and identify the customers you’re going to target. This is what all the businessmen do. Usually, they target a large group of people with various demographics.However, a niche market is a defined group of people that have ‘particular’ needs. By keeping in view those specific needs, you operate your business to render the products or services that meet their demands. You deal in those special products or services which mainstream businesses have overlooked.For instance, many shoe brands provide a vast variety of shoes. But, if your business deals in providing shoes for people with plantar fasciitis, you are targeting a niche; a specific segment of the market. This is what a niche market is.Coming to the niche business marketing, it is specializing in one area of business while targeting a specific segment of the market.You Must Know Your Target Niche Market Inside OutDetermining your niche market is crucial for operating your business. It not only helps you to set and expand your marketing budget but also give you a clear insight into where to advertise. Further, it makes you stand out above your competitors.For selecting a niche, you need to think about what you are best at. So, you will have enough knowledge regarding the product or service you will be dealing in. To make it clearer, let’s take some ideas you can work on to run your niche business.Today, many people demand diet foods such as gluten-free, low-calorie, organic or vegans. However, they rarely find it in eateries. If they find their diet food online, they prefer to buy it online rather than preparing it at home. This is because it is more convenient for them.Similarly, certain people hardly get their size in apparel stores. Therefore, offering plus-sized and petite clothing to these potential customers will not be a bad idea for your niche business.Niche MarketingBefore getting down to the nitty-gritty of niche marketing, let’s talk about some businesses dealing in niche markets. Lefty’s, based in San Francisco, is a store that sells school stationery, gardening tools, kitchen goods and a lot more. What’s the best part? All their products are specialized for left-handers! Furthermore, they also offer customized gifts for the lefties in your life.Furthermore, Vermont Wooden Toys are known to offer their specialty; handcrafted toys. Based in the Green Mountain State, the business is owned by a proprietor Ron Voake. People buy his products because of certain values- dedication, love, and craftsmanship. They place their orders on the website or over phone calls.In the same way, you need to practice several marketing strategies to make the best use of your business. Take a look for a few niche business marketing tips here.User-Generated ContentThe era when company ads would persuade people to buy a product is long gone. Today, they usually look for experiences. They go online and search for user-generated content before purchasing a particular product.User-generated content works in two ways; advertises your brand for free, and increases your credibility. And what’s more? It brings new customers to you. To have a better understanding, you can study previous success stories of other brands that implemented the UGC strategy.Advertising Platforms You Need To LeverageAs niche marketing isn’t regular marketing, you need to pinpoint specific platforms for advertising your product. Promoting your niche business on social platforms such as Facebook or Twitter isn’t a bad idea. However, the thing is these platforms are already over-populated with other business rivals hence leading to high-competition.In that case, you can limit your promotion and brand visibility to specific demographics on these platforms to reach out to your targeted customers. No matter what tactic you choose, make sure to reach your niche market cost-effectively.Partnering With Other ServicesTo reach out your business goals, develop a kind of service that not only offers a great product to your customers but also give them a fantastic experience. You can do this by providing additional services such as product delivery.However, niche businesses are small, and therefore it can be costly for you to offer extra services to your customers. For this, you can team up with other service providers to cater to your customers in a better way.Marketing OfflineIt is crucial to determine your customers’ preferences and priorities to run your business. Well, you are required to market your product offline for two reasons. First, your targeted segment may not be tech-savvy enough to leverage internet access. Second, your customers might want to make their orders offline, depending on your product nature.Furthermore, there are many ideas to market your product offline while adopting cost-effective methods. For instance, you can distribute your brand’s promotional materials such as business cards, coupons or pamphlets in any local events. This will boost the physical connection between potential customers and your brand.Leveraging InfluencersTo operate a niche business, you must first figure out your customers’ niche interests. Once you are done with it, look for the Instagram influencers who appeal your target segment and have a large number of followers. Approach them. Send a few of your products for free and ask for a shoutout in return. This won’t only help you in increasing your audience but also builds trust about your brand.Segmented MarketingWell, targeting a specific segment of the market for your niche business isn’t enough. You’ll have to gather and evaluate data on their demographics, values, and interests. Then, you further segment it and approach each group within your targeted niche. In this way, you’re able to engage with your niche market. Doing so will help you to maximize your business.ConclusionAs compared to other businesses that target a wide audience with unspecific interests, a niche business focuses on the particular needs of a determined group of people. However, if you want your business to be flourished, you need to identify your niche market first.While focusing on your specific customers, there are plenty of strategies you can adopt to achieve your business goals. By implementing the tactics mentioned above, you’ll be able to maintain your budgets and maximize your business.In addition to that, you can also employ other strategies or new ways to promote your business. No matter what strategies you’re working in with, the main thing you have to keep in focus is your customers’ interests. It will surely help you adopt the right tactics for your business, increase profits and raise brand awareness. </p>]]></content:encoded> <wfw:commentRss>http://caleraio.info/?feed=rss2&p=52</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>15 Travelers That I Have Met</title> <link>http://caleraio.info/?p=50</link> <comments>http://caleraio.info/?p=50#comments</comments> <pubDate>Fri, 24 Feb 2023 11:07:44 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Adventure Travel]]></category> <category><![CDATA[Airline Travel]]></category> <category><![CDATA[Budget Travel]]></category> <category><![CDATA[Charter Jets]]></category> <category><![CDATA[Travel Planning]]></category> <category><![CDATA[Vacation Homes]]></category> <guid isPermaLink="false">http://caleraio.info/?p=50</guid> <description><![CDATA[There are really as many type of travellers as there are people. Here we take a tongue in cheek look at some of the common types.1. The Complete Budget TravelerThe complete budget traveler travels on a strict budget and does … <a href="http://caleraio.info/?p=50">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> There are really as many type of travellers as there are people. Here we take a tongue in cheek look at some of the common types.1. The Complete Budget TravelerThe complete budget traveler travels on a strict budget and does not vary from it, no matter how exciting the recently discovered opportunity is. No extra drinks for this traveller unless someone buys him/her one.2. The Perennial Party AnimalThe perennial party animal has one focus and that is to have fun usually at a bar. These travellers find places to party where others cannot. Perhaps they should be partnered with the complete budget traveler!3. The Flexible Go-anywhere TravelerThe flexible go-anywhere traveler just chills out where-ever he/she is. There is no need for planning – everything is good. They go with the flow and to not need to know where they are going. Perhaps the traveller that enjoys any experience.4. The Methodical PlannerThe methodical planner does not do anything that is not pre-arranged. Every second is planned and when things go wrong as they inevitably do, they feel unloved. They will always be found where ever the plan tells them to be.5. The Modern TechieThe modern techie can only travel if he/she has the latest travel accessories and gadgets. Stay close to the modern techie to learn what items works and what items are a waste of money for your next trip.6. The Avid Souvenir BuyerThe avid souvenir buyer has money to spend and anything that he/she wants to remind them of the holiday. The head for the markets and shops and not interested in spending any time with the perennial party animal. Usually has trouble with baggage weight limits on the homeward journey.7. The Know it All TravelerThe know it all traveler studies everything from the guidebooks and internet prior to travel. He/she finds great joy in asking the most in-depth questions of the guides or continually interrupts the guide with statements of “fact”. Not sure who the know it all traveller should travel with.8. The Fancy PhotographerThe fancy photography will probably have the most expensive camera (and don’t forget the lens) and take the longest to take any photograph. Other travellers are always waiting for him/her at any special sight. They also like to get out very early to “catch the light.”9. The Constant ComplainerThe constant complainer finds everything on the tour not to his/her usual standard. Usually claim to be frequent travellers and often want to “talk with a higher authority”. Probably should stay home and enjoy the things that are there!10. The Helpless TravelerThe helpless traveler finds everything a little too much. He/she will ask the most unusual and often useless questions. Often there will be someone on the tour who takes the helpless traveller under their wings to protect them from the others.11. The “I am looking for myself” TravelerThe “I am looking for myself” traveler is searching for something. It is something unique for each or the “I am looking for myself” travellers. Beat to let them find themselves but make sure that they get about safely.12. The Incessant Talking TravelerThe incessant talking traveler does not leave anyone alone. They crave a discussion on almost any topic. Often they are quite interesting people but enough is enough.13. The Travel Light TravelerThe travel light traveler needs only one cabin bag to see the world. They a proud of their achievement but their travelling companions struggle when there is no time for washing clothes. They tend to like to borrow things.14. The Repeating TravelerThe repeating traveler goes to the same place or holiday each year. He/she can provide at least 101 reasons why you should join them. They take pride in telling you that they have seen three management changes at the hotel and the last manager was better than the current one.15. The Exercising TravelerFinally, the exercising traveler rises every morning to a vigorous physical workout. Only stay at hotels with gymnasium and swimming pool. Usually fussy with food and claim to eat “healthy” until the free wine is put on the table.Whatever type of traveler you are or come into contact with – enjoy the experience and learn from them. Even the most tedious travelers will have something interesting to say. </p>]]></content:encoded> <wfw:commentRss>http://caleraio.info/?feed=rss2&p=50</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How Universal Health Care Impacts Medical Debt Collections</title> <link>http://caleraio.info/?p=48</link> <comments>http://caleraio.info/?p=48#comments</comments> <pubDate>Fri, 24 Feb 2023 09:58:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://caleraio.info/?p=48</guid> <description><![CDATA[The health plan that President Obama is proposing is going to be efficient and effective. In order to be efficient it would have to be streamlined and working well, for example, there couldn’t be loads of bad debt sitting on … <a href="http://caleraio.info/?p=48">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> The health plan that President Obama is proposing is going to be efficient and effective. In order to be efficient it would have to be streamlined and working well, for example, there couldn’t be loads of bad debt sitting on the books. In order to be efficient, the bad debt would have to be collected and always try to be up to date or very minimal. Currently 5% of hospitals gross revenues are written off to bad debt and charity and this is before the implementation of the health care plan.Some collectors have told me that they are worried that third party collectors or collection departments receiving payments through the proposed plan may take longer than an outside insurance agency or a personal payment could take to get paid. As debt collectors we are used to slow payers but always working on new ways that payments can be obtained more quickly rather than slower. With this new program, many collectors are worried that payments will be slower which we will be forced to accept since it is a government program. On November 25, 2008, InsideARM said that “Debt collectors who currently specialize in medical receivables shouldn’t expect fewer accounts, but the balances forwarded to them by clients may be smaller.” According to Kaulkin Ginsbergs Health Care Analyst Michael Klozotsky, “Just because you insure more people, it’s not going to drop people’s co-pays and deductibles”.According to Paul B. Ginsburg, Ph.D, “For payment reform to reach its potential, Medicaid programs and private payers of medical care such as insurance companies should participate in developing new Medicare payment methods and follow them to the extent possible. Many health care providers have substantial market power and the ability to offset Medicare payment reductions with increases for private payers, so creating payment structures that are uniform across payers can increase the potential of payment reform to change provider behavior. If a public health insurance plan is a part of health reform, then an all-payer rate-setting structure could help establish a level playing field for all health insurance plans.”The White House.gov website says, “The President has vowed that the health reform process will be different in his Administration – an open, inclusive, and transparent process where all ideas are encouraged and all parties work together to find a solution to the health care crisis. Working together with members of Congress, doctors and hospitals, businesses and unions, and other key health care stakeholders, the President is committed to making sure we finally enact comprehensive health care reform.”The Administration believes that comprehensive health reform should:o Reduce long-term growth of health care costs for businesses and government<br />o Protect families from bankruptcy or debt because of health care costs<br />o Guarantee choice of doctors and health plans<br />o Invest in prevention and wellness<br />o Improve patient safety and quality of care<br />o Assure affordable, quality health coverage for all Americans<br />o Maintain coverage when you change or lose your job<br />o End barriers to coverage for people with pre-existing medical conditionsWhat does it mean for your business if this health care plan protects families or consumers from bankruptcy or debt due to the costs of maintaining their health. How will consumers avoid the debt of health care costs to stay healthy when they cannot afford it? I am all for helping consumers stay out of debt, but have concerns about how this new bill protects consumers from the debt of medical bills and how will this affect third party collectors.Small businesses are an important source of job growth in the United States. Firms with fewer than 20 employees accounted for approximately 18 percent of private sector jobs in 2006, but nearly 25 percent of net employment growth from 1992 to 2005. Many collection agencies are small businesses, and have many questions on how this plan will affect how they collect debt, how much debt they are able to collect and how much time they will have to wait to get paid if they get paid at all. Recently, during my consulting calls I was working with someone who is considering starting a medical collection agency and is worried there won’t be a demand for his services or any debt out there to collect based on this healthcare plan. In my opinion medical collectors should not worry about repercussions of the Universal Healthcare plan, there will still be plenty of work.You can take steps now to prepare for this new plan, consider how you accept other government payments or deal with their offices and this may be similar. Set up policies and procedures now to use when the plan goes into affect. Once you start working with your policies when the plan is in place, you can tweak it to fit your billing and accounting practices. Just talking about it with your employees will help everyone to feel more comfortable with the plan once it is in place, everyone will have heard about it and will have an idea on how to handle those accounts immediately. The more efficient and effective you can be, the quicker you may get paid. Agencies can also assist with the insurance collections and will find an increase in that line of business, the providers will find it hard to educated, train and hire staff to deal with the additional follow up and if they move or shift workers from dealing with self pay accounts this would not compensate for the increased workload of collecting from the insurer. As one reader stated, “Anything the Government gets involved in becomes more complicated and complex, clients will need their collection agencies to help them deal with this even more.”Free enterprise will always prevail. The insurance companies that are out there now, aren’t going to go away once we have this new healthcare option. The biggest impact I have found that debt collectors foresee with this new plan is how slow they may be paid or how slowly their clients may be paid. Start working with your medical clients and help them work with their patients so that they can serve as an advocate and show empathy for each individual situation and help them to work on a realistic payment plan – your job as the collector – enforce that payment plan. The longer you wait, the worse off you are – catch accounts that need help early and you will be ahead of the game. </p>]]></content:encoded> <wfw:commentRss>http://caleraio.info/?feed=rss2&p=48</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Educated Men Masturbate More Than Other Men</title> <link>http://caleraio.info/?p=46</link> <comments>http://caleraio.info/?p=46#comments</comments> <pubDate>Fri, 24 Feb 2023 07:07:49 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Education]]></category> <guid isPermaLink="false">http://caleraio.info/?p=46</guid> <description><![CDATA[Masturbation is least common among less educated males (89%). More men who are high school educated (95%) and who are college educated (96%) are involved in masturbation for at least some period of their lives.Masturbation frequencies after marriage are highest … <a href="http://caleraio.info/?p=46">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Masturbation is least common among less educated males (89%). More men who are high school educated (95%) and who are college educated (96%) are involved in masturbation for at least some period of their lives.Masturbation frequencies after marriage are highest (69%) among men who are college educated. Only 42% of men who are high school educated, masturbate after marriage and only 29% of the least educated males.There is no objective measure of a person’s imaginative capacities. But someone who is more educated is likely to be more imaginative because they use their minds and have been exposed to more ideas. Those who are successful academically may have a more active imagination due to increased mental capacities in general. Education is therefore only a guide to the likelihood that someone is imaginative. A good imagination is needed if a person is to use fantasy for arousal when masturbating to orgasm alone.Kinsey commented on the taboo over masturbation among the uneducated. Kinsey linked male sexuality and education because of the use of fantasy. A creative imagination is likely to be an even more critical requirement of female masturbation because women are not aroused by real-world triggers. There are many fewer women (compared with men) who have a mind that responds positively to eroticism. Accurate statistics are difficult to obtain for women’s experience due to ignorance about orgasm and how it is achieved.Men do not boast about achieving orgasm, which ends the pleasure they enjoy from thrusting into a body orifice. Some men like to delay ejaculation with a lover for as long as possible in order to enjoy the sensations of intercourse. Others (especially younger men) approach sex more strongly focused on ejaculating as a means of releasing accumulated sexual tension.Research indicates that uneducated men seek out prostitutes more than educated men do. For many men, one vagina is much the same as the next. Educated men make more discerning choices over the sexual scenarios that interest them. Educated men look for more sophistication in the woman’s sexual performance including her willingness to be proactive with a lover. Educated men also expect a greater emotional connection with a lover. Education causes a person to have an increased sensitivity to the views of others. Educated men are more inclined to accept a woman’s desire to spend time getting to know a person before becoming sexually involved.Men have a biological sex drive but they make conscious choices over how and when they achieve orgasm. A man is also influenced by the company he keeps and the society in which he lives. Sex involves another person, which makes consent an issue. Some women, typically those who lack experience and who are less educated, are more sexually willing than others.Alfred Kinsey found that younger generations of women were better informed about orgasm. They were more inclined to say that orgasm was possible with a lover but at the same time they agreed to have sex less often than older women. He suggested that changing attitudes in society and women’s emancipation, meant that younger and more educated men were more inclined to take into account their partner’s lower desire for sex. As women gain confidence with age and experience, they are more likely to insist on their own preferences for less regular sexual activity with a lover.Research indicates that less educated men are more responsive than educated men. That means that overall (including all forms of sexual activity) educated men have fewer orgasms on average than less educated men. It is strange that something such as education should have an effect on responsiveness. Responsiveness is an innate characteristic of the human mind and body. It is not determined by environmental factors. We need to differentiate between our potential to orgasm and what we actually achieve.Less educated men tend to have more intercourse than more educated men. This is because more educated women are more assertive about making their own sexual decisions. They are potentially more financially independent and so have less need to keep men happy. Such women are less inclined to marry and to be asked to marry than less educated women. So less educated men who marry less educated women have an advantage.An educated man can also substitute masturbation more easily than a less educated man. But masturbation does not satisfy men emotionally or sexually in the same way that intercourse does. Orgasms are achieved through intercourse with much less effort typically than those achieved through masturbation. The time to orgasm may be faster with masturbation but the ease of arousal is not as spontaneous because a man has to use his imagination. So a man who has orgasms primarily through intercourse is likely to have more orgasms than a man who substitutes masturbation.Males with the highest frequencies of masturbation are most often those who become adolescent first. These are the males who have the maximum total outlet throughout their lives (Alfred Kinsey 1948) </p>]]></content:encoded> <wfw:commentRss>http://caleraio.info/?feed=rss2&p=46</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Private Loans – The Alternative Education Loan For Students in Need of Additional Financial Aid</title> <link>http://caleraio.info/?p=44</link> <comments>http://caleraio.info/?p=44#comments</comments> <pubDate>Fri, 24 Feb 2023 05:48:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://caleraio.info/?p=44</guid> <description><![CDATA[One of Uncle Sam’s greatest gifts to the American student is the Federal student loan program which makes it possible for millions of young Americans to pursue higher education. But Federal student loans may not always cover tuition and expenses … <a href="http://caleraio.info/?p=44">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> One of Uncle Sam’s greatest gifts to the American student is the Federal student loan program which makes it possible for millions of young Americans to pursue higher education. But Federal student loans may not always cover tuition and expenses 100%. That’s why so many parents and students turn to private student loans to fill in the gap.Private student loans — not just for tuition!All the talk these days is about the higher costs of college tuition. But what often gets overlooked are all of the other college expenses that can make going to college more financially crushing.However, that may not be a problem for you since most private loans can cover virtually all college expenses, including: o Room and board o Off-campus housing o Registration fees o Text books o Laptop/Internet access o Travel expenses to get to and from classesHow can you qualify for a private loan?Because private loans are made by private institutions such as a bank or other private lending institution, your ability to get a loan will be based on merit, specifically good credit, essentially, a high enough credit score. The availability of a co-signer with good credit is even better from the lender’s perspective because taking into account a co-signer’s good credit, your combined probability of repaying the loan is higher. So, the lender can be more likely to approve you for a private loan.If you think about it, most consumer loans require collateral, such as a house or a car. If a borrower doesn’t repay the loan, then lender can repossess your property, so it can sell it to recoup the money it had loaned out.In the case of education loans, there really is no collateral; i.e., how can a lender repossess your education? It can’t. That’s why lenders rely on a good credit record, since that is a strong indicator that you and/or your co-signer have a proven track record of repaying on your credit cards or other loans in a timely and responsible manner.Co-signers with good credit can help you qualify for a private loan, lower your borrowing costs and improve your own credit score!Because private loans are based on merit, the rate you receive is based on your credit history and income. If you don’t have one or the other or both, having a creditworthy co-signer can be invaluable. In fact, a co-signer with good credit can help you obtain a private loan with a lower interest rate, saving you a ton of money over the life of the loan.Another added benefit of a creditworthy co-signer is “guilt by association but in a good way.” This means that the timely, responsible repayment of your private loan under a co-signer arrangement will be a positive way to build up your own credit record.Take advantage of private loan benefitsOf course the primary purpose of obtaining a student loan is to help you obtain a sound education so you can realize your career aspirations. And using credit wisely is important. That’s why you’re encouraged to seek out as much Federal student aid, grants and scholarships first before applying for a private loan.Private loan application process — get pre-approved in minutes if you qualify!However, once you determine that a private student loan can be a viable alternative funding source to cover your education finance gap, you could be pre-approved for a private loan within minutes of applying! Many times the application process is very simple and can, with most lenders, even be handled over the phone or online.Longer pre-payment terms and no pre-payment penalties can help you better manage your cash flow after collegeWhen it comes to paying back your private loans, many lenders give you up to 20 or 25 years to do so. The absence of pre-payment penalties means that as long as you make your minimum monthly payment, you can pay off your loans as fast or as slow as you want within your repayment term.Interest rate discounts can help lower your cost of private loan borrowing even more!Many private loan lenders would like to have your business. So be sure to shop around, and make sure to ask each lender about these and other private loan “borrower benefits” such as:o An interest rate discount for automatic payment from a savings or checking accounto An interest rate discount for simply making on-time payments.o Little or no origination fees, if you or your co-signer has good creditWho is eligible for a Private Loan?Keep in mind that each private loan lender has certain eligibility requirements. For most private student loans, you must meet the following criteria:- Must be creditworthy applicant or have a creditworthy co-borrower- Must be a U.S. citizen, U.S. permanent resident, or international student with a qualified U.S. citizen or U.S. Permanent Resident co-signer- Must be within age of majority by your state of residence (typically 18 years of age)- May be a full time, half time, or less than half time (including continuing education) studentTypes of Private loansWhat’s great about private loans is that many lenders have a variety of loans that is tailored to fit your specific course of study. The loan name, minimum and maximum loan amounts, and the loan repayment terms are all tailored around the typical needs of the course of study you have chosen to pursue.Undergraduate Private Loans – Just as the name implies, apply for an undergraduate private loan if you’re a college undergraduate, or are attending a career, technical, and trade school in the U.S., at least half-time. Continuing Education Private Loans – This private loan is right for you if you are completing a degree, a certification program or taking classes to further your career or for personal development. A continuing education private loan is available to you if you attend an eligible school at least part-time (less than half-time). Graduate/Professional Private loan – If you have decided to pursue an advanced degree at participating colleges and universities, and planning to attend at least half-time, then this private loan can get you the funds you need to achieve your educational goals. K-12 Education Private loan – If you are a parents or other adult sponsor (relative or friend) of children who attend participating non-public elementary schools, many lenders provide these loans to help cover the expenses. Most lenders provide K-12 education private loans for students who attend private, religious, preparatory, and military or special education schools.Need more money to pay for college? Private loans are here for you!Now that you’ve learned about an alternative way to pay for your college-related expenses, don’t let anything hold you back from pursuing the dreams of success you want. A great education is a wonderful thing and nothing should ever stand in your way of achieving your goals.As you start or continue your education, the availability of private loans offers you an option to fund your education when you don’t know where else to turn for the money you need. </p>]]></content:encoded> <wfw:commentRss>http://caleraio.info/?feed=rss2&p=44</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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