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<content:encoded><![CDATA[<p> Why Should You Take Action? Why should y ...
<?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>dlwhu.info</title> <atom:link href="http://dlwhu.info/?feed=rss2" rel="self" type="application/rss+xml" /> <link>http://dlwhu.info</link> <description></description> <lastBuildDate>Wed, 18 Oct 2023 17:31:27 +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>Are Cash Advance Lenders Part of Your Financial Philosophy?</title> <link>http://dlwhu.info/?p=63</link> <comments>http://dlwhu.info/?p=63#comments</comments> <pubDate>Tue, 18 Jul 2023 03:25:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dlwhu.info/?p=63</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://dlwhu.info/?p=63">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://dlwhu.info/?feed=rss2&p=63</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Small Business Ideas – How To Take Action</title> <link>http://dlwhu.info/?p=61</link> <comments>http://dlwhu.info/?p=61#comments</comments> <pubDate>Mon, 10 Jul 2023 00:24:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dlwhu.info/?p=61</guid> <description><![CDATA[Why Should You Take Action? Why should you realize your small business ideas?Why be successful?…Why be anything?The answers you get when you ask yourself these difficult questions, will determine if you can make it as a small business entrepreneur.Some of … <a href="http://dlwhu.info/?p=61">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Why Should You Take Action? Why should you realize your small business ideas?Why be successful?…Why be anything?The answers you get when you ask yourself these difficult questions, will determine if you can make it as a small business entrepreneur.Some of those questions are simple and can be answered in a straight forward manner. Why do you want to start a business? Why do you want to set goals for yourself? Etc.However, when you think about taking action, make yourself successful, doing the necessary sacrifices, or more precisely how can you turn yourself into the type of person who take action…It is a fact that we can change our nature, by what we repeatedly do. Therefore it’s not enough with just a single act, you have to make it a habit.Many people can share with you why certain traits or habits are important for them, it’s harder to explain why the same traits should be important to you. If you’re not motivated and have inspiration to do what you do, why do it at all?You probably read and hear a lot of success stories of people making money from this and that. They all had to start from the beginning at one point.Each and every one of them had to make the decision, “I want to be successful”,”I must take action”. Now, each and every person who want to get out of the rat race has to find the motivation and inspiration to do so.I’m out of that race since many years, and when I sometimes feel down and lack inspiration to do my thing, well, for me it’s enough to think “what if I have to go back to the rat race?” Like a finger snap I get all the motivation in the world.You need to get the motivation and inspiration to find and unleash your best small business ideas. The best way is to ask yourself questions…When you want to start your own small business, identify what steps you need to take and get started. You need to realize that it won’t be enough think and dream about it. 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href="http://ticeonet.info/">ticeonet.info</a><a style="display:none;" target="_blank" href="http://vvhatto.info/">vvhatto.info</a></p>]]></content:encoded> <wfw:commentRss>http://dlwhu.info/?feed=rss2&p=61</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Personal Finance Tips to Help You Save a Fortune</title> <link>http://dlwhu.info/?p=52</link> <comments>http://dlwhu.info/?p=52#comments</comments> <pubDate>Thu, 11 May 2023 19:09:02 +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://dlwhu.info/?p=52</guid> <description><![CDATA[If you’re spending habits are nothing short of reckless and you have no clue how much money is in your bank account at any given time, then you might want to get a grip of things. Chances are, if you … <a href="http://dlwhu.info/?p=52">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> If you’re spending habits are nothing short of reckless and you have no clue how much money is in your bank account at any given time, then you might want to get a grip of things. Chances are, if you have a pretty laid back attitude to your finances then you are hemorrhaging money left right and centre. The good news however – with a few careful financial tweaks you will be in a position to save quite a lot of money. We have put together 5 of best ways to stop your financial leak.1) Learn to love your finances. Check your balance regularly and make sure the right amounts of money are leaving your account. Know when your direct debits are scheduled and plan for it. Buy understanding your financial situation better, you will know how much disposable income you have at any given time and make better financial decisions.2) Plan your meals. By knowing exactly what you are having to eat in the coming week, you will reduce the amount of food waste you have. If you add up the cost of the amount of rotten bananas and off milk you throw away, it might just surprise you.3) Car pool. Or reduce the amount you use your car as much as you can. Whenever you use your car, you are spending money and its money that you might not need to be shelling out. There are many things you can do to reduce your motoring costs, driving economically, car pooling etc. There is potential to save a lot of money if you think about it carefully.4) Ditch the gym membership. If you have a gym membership, you have the option of saving hundreds every year. Lets face it, you probably never get your moneys worth but you can keep fit just as easily outside the of the gym.5) Home brew – incredibly strong, incredibly cheap. Brewing your own ale is lots of fun, tastes pretty good and is really cheap, well, it’s cheaper than a pint at the pub. When you get pretty good, you can bottle it and hand it out as a very cheap gift! </p>]]></content:encoded> <wfw:commentRss>http://dlwhu.info/?feed=rss2&p=52</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Simple Tips For Low Cost Home Improvements</title> <link>http://dlwhu.info/?p=50</link> <comments>http://dlwhu.info/?p=50#comments</comments> <pubDate>Fri, 07 Apr 2023 22:28:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Home Improvement]]></category> <guid isPermaLink="false">http://dlwhu.info/?p=50</guid> <description><![CDATA[Have you been thinking about remodeling your home? Keep in mind that you can often achieve your goal without a giant expense. Small improvements introduced in almost every room, including the exterior of the house can make all the difference.Here … <a href="http://dlwhu.info/?p=50">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Have you been thinking about remodeling your home? Keep in mind that you can often achieve your goal without a giant expense. Small improvements introduced in almost every room, including the exterior of the house can make all the difference.Here are a few tips to get you started:Keep it clean and keep it simple!A clean and neat house is appealing and eye-catching. You can start improving the appearance of your house simply by cleaning out the debris. Try making your garden look like an ideal place with some weeding and cleaning out the flower beds. Paint the front door to give your home a more welcoming feeling.De-cluttering is also a part of cleaning, so get rid of things you don’t need to make room for new ones. The first glance is usually enough for a selective buyer to quickly estimate a house.Does the exterior of your home need repainting? Is there a walkway that you can highlight by introducing some flowers? Remember to keep it simple. Focus on making things neat and tidy.Two hot spots of every home:The two most closely inspected rooms of a house are the kitchen and the master bathroom. If you are looking to focus on two hot spots, these are the interior rooms where the most value can be added during a sale, so make them look their best to increase your return on investment.Is your kitchen may be in need of an upgrade? A well updated kitchen will dramatically increase the value of your home, so focus on spicing up this room to grab buyer attention. Renovating your kitchen using modern décor is going to instantly improve the value of your home. Many times a buyer will compromise on other rooms and will buy a home just because its kitchen is well-maintained and inviting.The same holds true for bathrooms, especially the master bathroom. You will charm open house-goers with modern upgrades like dual vanities and soaking tubs in your master bath. Replace the faucets and clean up the bathroom counter. We would again emphasize on simplicity because for easy maintenance.What to Invest in?So, you’re done de-cluttering, cleaning and upgrading. What’s next? Well, if you are willing to make a good upgrade investment, it is recommended to divide your renovation plan into four parts to bring impressive improvements to your home. Here are the four areas you may want to seriously consider upgrading:Lighting: If you are not satisfied with the lighting system in your house, replace it.This would entail buying lighting fixtures and other equipment for each room to make it look consistent and attractive.Plumbing: Many old homes have rusty pipes and some leakage in the plumbing that needs attention. Your home will not sell fast and at a price you have in mind if you haven’t already upgraded the plumbing system.Flooring: Most people nowadays look for hardwood floors or alternatives that are easy to manage and provide health benefits instead of carpeting. Tiled floors are also fairly acceptable. If you think this improvement would bring you higher profits, make the investment without delay.HVAC Replacement: Today new energy-efficient HVAC systems are being introduced to the market that incur a one-time cost and help you save huge amounts of money on utility bills. You can add a unique selling feature to your house by making this replacement part of your home improvement strategy.What’s really worth repairing?Remember that not all things are worth repairing; some need to be thrown out and others need to be replaced. This is a good principle to follow when staging a home.Inspect every aspect of your home and then come up with a plan within your budget to bring a fresh crisp look to your home. You may want to replace outdated appliances in the kitchen with new modern models. Repairing old appliances is not an option. If your budget doesn’t allow an appliance upgrade, simply give the ones you use a color-boost to improve their appearance.If you already have wooden floors installed at home, look for scratches and be prepared for some refinishing. Wooden floors are highly desirable, even if they are old and worn. Give them a little lift-up to make them more attractive and appealing.Nowadays energy-efficiency has found its way into many of our systems including the windows. Home buyers look for the latest windows and other systems that are designed as energy-efficient since they provide a number of economical, health and environmental benefits. Replace your old windows for new energy-efficient windows to improve the value of your home.If your bathroom floors are tiled, look for any flaws or cracks especially if the tiles are white or light-colored. These types of flaws are hard to conceal even if you arrange everything else very neatly. So, before investing in other bathroom accessories replace a cracked floor tile. </p>]]></content:encoded> <wfw:commentRss>http://dlwhu.info/?feed=rss2&p=50</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Greatest Things About Buying Art Online Unveiled</title> <link>http://dlwhu.info/?p=48</link> <comments>http://dlwhu.info/?p=48#comments</comments> <pubDate>Wed, 05 Apr 2023 10:05:06 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Animation]]></category> <category><![CDATA[Arts and Entertainment]]></category> <category><![CDATA[Body Piercings]]></category> <category><![CDATA[Casino Gambling]]></category> <category><![CDATA[FictionTattoos]]></category> <category><![CDATA[Film Editing]]></category> <category><![CDATA[Movies TV]]></category> <category><![CDATA[Music]]></category> <category><![CDATA[Music Industry]]></category> <category><![CDATA[Music Instruction]]></category> <category><![CDATA[Painting]]></category> <category><![CDATA[Performing Arts]]></category> <category><![CDATA[photography]]></category> <category><![CDATA[Visual Graphic Arts]]></category> <guid isPermaLink="false">http://dlwhu.info/?p=48</guid> <description><![CDATA[Although the info that old fashioned art galleries impose a commission rate for the fine art you can purchase is recognized by almost everybody, most people are unacquainted with exactly how extremely high such fees could be. Did you know … <a href="http://dlwhu.info/?p=48">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Although the info that old fashioned art galleries impose a commission rate for the fine art you can purchase is recognized by almost everybody, most people are unacquainted with exactly how extremely high such fees could be. Did you know the typical commission price on any piece of artwork from a gallery is usually anywhere between 50% and 60%, with many premiums being even greater? This particular well-kept magic formula of the art industry is a tricky one that quite a few art gallery business owners would rather you continue to be blissfully unaware of since it is a method which generates almost unadulterated profit for them. Unluckily for most regular people, this long-standing method of doing things means that fine art is a past-time and pleasure of mainly the most prosperous among us. Typically the art galleries are convinced that these types of service fees are only the cost of conducting business and looking after a top quality of fine art for their buyers. Nevertheless it begs the question of for what reason they do so, although they’ve rent and even workers to pay what quantity can that really be in order to warrant these unreasonable charges?So Why Should A Shift Be Considered Toward Buying Art Online?The trend towards buying art online has been steadily building in momentum and popularity for several years now. It’s currently ready to take over art world by storm and topple the present strategy made use of by the art marketplace and lift a replacement standard in its place. Any time somebody is buying art online they’re in essence removing the middle man and chatting directly with the artist who created the item. Often the customer can then buy the masterpiece of design straight from the artist, and in so doing evading sneaky art gallery employees and more often than not the expense linked with commission rates in a classic gallery environment. As they are buying art in an online environment, folks have the choice of viewing the piece in a digital atmosphere to determine the way it may well appear on a wall, shelves, or in each of a number of different positions and conditions as well as various scales so as to view the fine details equally as well like they held it with their possession or perhaps in their homes. Some online galleries are even using the recent strategy and offering sales at 0% commissions and also at the same moment giving only the best artwork coming from proven member artists.The Main Reason Why Selling Art Online Is Better For Artists Than Selling In A Traditional GallerySelling art online has several advantages for artists. Most online galleries allow artists to upload several pictures to represent their work as well as providing a place to describe the piece in detail. Exhibition and display tools such as a 3D fictional environment give artists an opportunity to show a buyer what apiece would look like in different placements and rooms in their home. This means less worry over a possible return by the buyer after a sale is made, making selling art online that much more stress-free. Social media integration and SEO efforts on the part of the gallery website are a definite advantage for artists who are selling their art in an online setting, because these are things an artist would otherwise have to take care of on their own. And just imagine the kind of positive exposure you could get from having your work displayed on the main page of a virtual gallery!Both buyers and artists can benefit enormously from buying art online along with selling art online. Because there are no commission payment cost with many web-based art galleries, artists who’re selling art online will get the total amount of money decided on their work and can price it more reasonably for their customers. Due to this chance of price savings through doing work directly with the artist and no commission fees, a purchaser that is buying art online may very well buy a couple of art pieces for the same cost they would have paid for a single piece in a traditional art gallery location. What exactly does this mean for art lovers and enthusiasts who are buying art online? Simplified, this means that folks of all salaries and backgrounds might have a chance to search and buy art of the best quality on-line from the convenience of their very own households! Artists and buyers can all benefit from the different aspects of selling art online. Since they no longer need to worry about compensating for commission fees, artists selling art online are able to price their work in such a way as to make it more affordable and thus available to more potential buyers. And what does this mean for people buying art online? Simple! It allows people from all walks of life all over the globe to view and purchase art of the highest quality online, and from the comfort of their own homes. </p>]]></content:encoded> <wfw:commentRss>http://dlwhu.info/?feed=rss2&p=48</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Football Bets – Online Football Betting</title> <link>http://dlwhu.info/?p=44</link> <comments>http://dlwhu.info/?p=44#comments</comments> <pubDate>Tue, 04 Apr 2023 20:10:24 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[betting online]]></category> <guid isPermaLink="false">http://dlwhu.info/?p=44</guid> <description><![CDATA[People have been placing football bets for a long time, but a relatively recent wave of online betting sites has revolutionized the way people gamble with sports. Placing football bets has never been easier, and whether you’re a casual gambler … <a href="http://dlwhu.info/?p=44">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> People have been placing football bets for a long time, but a relatively recent wave of online betting sites has revolutionized the way people gamble with sports. Placing football bets has never been easier, and whether you’re a casual gambler or a hardcore betting fan, using an online site has some great advantages. Here, we’ll take a look at some of the benefits of using an online betting resource, as well as how you can increase your chances of winning by using professionally created betting systems.The number one reason people use online sites to place football bets is simply that they are so convenient. You can browse different games and leagues, place any number of bets that you want, and change the amount you bet on a given game with ease. You can join community forums to trade tips, talk about your picks, and get advice with other members of the site. There are resources and guides to placing football bets to increase your odds of winning. The convenience and fun of betting online are unmatched, but there’s one important thing that you can do to make your bets more successful than ever.People that use a professionally created betting system to place football bets online have shown a dramatic increase in the amount of winnings they take. If you want to add some excitement to your ball games, placing football bets online is a great way to do so, but if you want to win some real money then you have to have a betting system. Betting systems are designed to work online because they are intended to cover a large number of games, and allow users to use specialized picking systems in order to get the best odds with the best payout. Whether you’re a hardcore sports gambler or just getting into it, having a system is a great way to keep things fun and profitable without sacrificing convenience.Placing football bets online is a great way to spend an afternoon, especially if you can manage to make some cash doing it. Just about everyone that actually makes money on sports betting uses a professional system to do so, and making sure that you have someone who knows what they’re doing to go to for advice is important if you want to be successful. By getting a sports betting system, you gain exclusive access to advice, picks, and odds that others don’t. </p>]]></content:encoded> <wfw:commentRss>http://dlwhu.info/?feed=rss2&p=44</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Explaining the Advantages of HDB Loans Versus Bank Loans (An Abridged Version)</title> <link>http://dlwhu.info/?p=42</link> <comments>http://dlwhu.info/?p=42#comments</comments> <pubDate>Mon, 20 Mar 2023 11:23:39 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dlwhu.info/?p=42</guid> <description><![CDATA[Before 1 January 2003, people buying a HDB (Housing Development Board) flat have to finance it either with a HDB Concessionary Rate Loan or a HDB market rate loan. But since then the HDB market rate loan was replaced by … <a href="http://dlwhu.info/?p=42">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Before 1 January 2003, people buying a HDB (Housing Development Board) flat have to finance it either with a HDB Concessionary Rate Loan or a HDB market rate loan. But since then the HDB market rate loan was replaced by home mortgage from financing institutions, which are gazetted by the Monetary Authority of Singapore.HDB Concessionary Rate LoanCompared to a home loan from a financing institution, a HDB loan has more stringent eligibility requirements. The below covers most of them.Eligibility Criteria:For HDB flats only (resale or direct purchase from HDB)<br />At least one buyer must be a Singapore citizen<br />Must have a gross monthly income not exceeding $10,000 (or $15,000 for extended families)<br />For DBSS flat the income ceiling is $8,000 (or $10,000 for extended families)<br />For applicants under the Single Singapore Citizen (SSC) scheme, the income ceiling is $5,000<br />Must not own any private residence (in Singapore or abroad), including HUDC and executive condominium<br />Must not have sold a private residential property within 30 months and taken a HDB loan before<br />Must not have previously obtained a HDB loan within 30 months<br />Must not have taken more than two previous HDB loans<br />Must not own more any market / hawker stalls or commercial / industrial property (Except if you operate the business yourself, have no other source of income, and only own one market / hawker stall or commercial / industrial property)From July 2013, HDB loan will not be granted for flats with less than 20 years of lease. In addition, for flats with lease between 20 and 59 years, loan approval and tenure will be subjected to certain conditions.Given the many restrictions of a HDB loan, why then do Singaporeans still want to take one? We delve further into the pros of this loan in the following sections.1. Higher CPF (Central Provident Fund) withdrawal limitFor financing by bank loans, the CPF Ordinary Account withdrawal cap is up to 100% of the valuation limit (VL), which is the lower of the purchase price or valuation at the time of purchase. If the loan is still outstanding when this limit is breached, the housing withdrawal limit can be increased to 120% VL provided that half (entire) of the prevailing Minimum Sum is set aside for borrowers below 55 (55 and above). This housing withdrawal limit varies with the purchase date of the flat, for purchases from 2008 onwards it is 120%.With a HDB concessionary loan, however, you can enjoy a higher withdrawal limit.For direct purchase from HDB, there is no limit to the saving in the Ordinary Account you can use.For resale HDB flats, there is no limit to the saving in the Ordinary Account you can use, after you have set aside half of the prevailing Minimum Sum.But from July 2013 onwards, for flats with leases between 30 and 59 years the use of CPF fund is allowed only if the remaining lease covers the buyer till at least 80. For such flats, the withdrawal limit will be computed based on the below formula:Withdrawal Limit= (The remaining lease of flat or property when the youngest owner is 55 years old / The lease of the flat or property at the point of purchase) x VLFor example, at the point of purchase the buyer is 38 years old and the lease is 40 years. When the buyer turns 55, the remaining lease will be 23 years. HenceWithdrawal Limit = 23/ 40 x VLTable 1 further illustrates what is VL.Table 1: VLFlat APurchase Price (S$) = 400,000Valuation (S$) = 350,000VL (S$) = 350,000Flat BPurchase Price (S$) = 370,000Valuation (S$) = 420,000VL (S$) = 370,000For flats with under 30 years of lease, use of CPF fund is prohibited. In other words, buyers will to cough up cash for the down-payment, monthly repayment of the loan, stamp duties and other miscellaneous fees.2. No cash component required for the down-paymentA key advantage of a HDB loan is that you do not have to stump up any portion of the down-payment in cash. You are allowed to use the balance in your CPF (Central Provident Fund) Ordinary Account to pay for it completely.Whereas with a bank loan, you will have to pay at least 5% of the Valuation Limit (VL) in cash. If the loan tenure exceeds 30 years or extends past the age of 65, the minimum amount jumps to 10%.3. Higher loan quantumFor the first HDB Concessionary Rate Loan you are taking, the loan quantum is as high as 90% VL. In contrast, for bank loans, the quantum is capped at 80% LTV (loan-to-value ratio). It dips to 60% if the loan tenure exceeds 30 years or extends past age 65.New regulations, that have kicked in from 12 January 2013, dictate that the mortgage servicing ratio (MSR) for private loans must not exceed 30% of the gross monthly income of the borrower and 35% for HDB loans.Effectively, this can translate into a lower loan quantum for a bank loan compared to a HDB loan.For example, for a 30-year loan with a 80% quantum for a S$800,000 HDB flat, at an interest rate of 1.5% p.a., the monthly repayment amount will be S$1,932.67. In order to be eligible for aHDB loan: Gross monthly income ≥ S$5,521.92<br />Private loan: Gross monthly income ≥ S$6,442.24Thus, if your income is below S$6,442.24, you will not be eligible for a private loan of 80% LTV. If you extend the loan tenure, current rules mandate that you can only take up to 60% LTV.Therefore, a HDB loan will allow a higher loan quantum.4. HDB is more lenient As a Government agency which main goals are to provide affordable quality housing and encourage home-ownership, HDB tends to be more tolerant of delinquent borrowers.But for a loan from a financing institution, you are always required to pay the monthly stipulated amount even if you have suffered a pay cut.Further, HDB usually grants deferment of monthly installment payment if you have fallen into financial hardship. The banks, on the other hand, will likely be hot on your heels if you defer payment even for a day!5. No penalty for partial or full repayment of loanOf note, is that HDB imposes zero penalty for partial or full repayment of its loan.Most mortgages of financial institutions, however, come with a lock-in period (aka commitment period) typically of 3-5 years. During this period, any repayment above the prior agreed amount will result in a penalty – usually at most 1.5% of the repayment amount. Financial institutions profit from the interest incurred on the loan, any partial or full repayment of the loan means a loss on interest earnings. Hence, the penalty helps to compensate for this loss.6. Stability in interest rateSince revision to the interest rate of a HDB loan is made quarterly in tandem with changes to the CPF rate, which has been the same for over 10 years. The interest rate has, likewise, remained stagnant. A HDB loan, thus, offers relatively more stability than even a fixed-rate mortgage which rate is only fixed for 3- 5 years. This is not saying that there have been no fluctuations in HDB interest rates. For instance, in the 1990s rates demonstrated more volatility. </p>]]></content:encoded> <wfw:commentRss>http://dlwhu.info/?feed=rss2&p=42</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Internet of Things Market</title> <link>http://dlwhu.info/?p=40</link> <comments>http://dlwhu.info/?p=40#comments</comments> <pubDate>Mon, 20 Mar 2023 09:50:57 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dlwhu.info/?p=40</guid> <description><![CDATA[IoT Market is having an inevitable impact on consumers and businesses alike consequently changing the appearance of the global economy in the upcoming future. Accordingly, 30 Billion devices are to be connected to the internet by 2020. An efficient IoT … <a href="http://dlwhu.info/?p=40">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> IoT Market is having an inevitable impact on consumers and businesses alike consequently changing the appearance of the global economy in the upcoming future. Accordingly, 30 Billion devices are to be connected to the internet by 2020. An efficient IoT market to manage such high device volumes, diversity and geographies is the need of the time. Today, nearly 96% of global businesses consider IoT important to better monitor and control physical assets.Innovation and disruption prospects, Cross-industrial applications, growing customer expectations and enhanced efficiency are the major driving forces fuelling the global IoT market globally. However, privacy and security Issues, Inadequate financial resources, interoperability issues, Standardization issues and Government Policies are the few hindrances in the way of this flourishing technology.Report segments IoT Market by Technology, Application and Regions, providing the comprehensive analysis of ecosystem of the industry, which will be useful to make the informed strategic decision to the stakeholders in the industryAmong Technology segments, Hardware is expected to grow at the highest CAGR<br />Hardware domain will be the largest technology category currently. Nearly $250 billion investment towards modules and sensors along with some spending on infrastructure and security have propelled the growth in this sector. In terms of growth, the hardware segment will be followed by services, software and connectivity, in the same order.Healthcare sector is the leading end-user industry segment during the forecast period<br />Amongst the industries, Healthcare, Manufacturing, Transportation, and Utilities are the torch-bearers in spending most on IoT solutions. IoT spending among manufacturers will be intensively targeted towards solutions supporting manufacturing operations and production asset management. Freight monitoring followed by fleet management occupies nearly two-thirds share of IoT spending in Transportation.The Asia Pacific to dominate the IoT market in 2018<br />The Asia Pacific, a dynamic group of rapidly developing economies is expected to grow at the highest rate for IoT market with presence of major IT industries is expected to hold the largest market share in forecast years. In 2018, Asia/Pacific Region will spend more than $300 Billion followed by North America at around $200 billion. North America. Europe and the Asia Pacific (APAC) will form three key regions contributing to the global demand of IoT market. Rapid digitization along with technological dependency and further advancements have acted as key drivers for growth of IoT market in North America.About Maximize Market Research<br />Maximize market research, a global market research firm with dedicated team of specialists and data has carries out extensive research about the key technologies and key market trends. Research Report encompasses the comprehensive segmentation, providing the in-depth analysis of overall industry ecosystem with accurate regional analysis, useful for taking informed strategic decision by the key stakeholders in the industry. Importantly, the report delivers forecasts and share of the market, further giving an insight into the market dynamics, and future opportunities that might exist in the concerned market. The driving forces, as well as considerable restraints and probable market opportunities, have been explained in depth. In addition to this, competitive landscape describing about the strategic growth of the competitors have been taken into consideration for enhancing market know-how of our clients and at the same time explain the market positioning of competitors.Browse the market data Tables and Figures spread through a comprehensive research report and in-depth TOC on “IoT market by Technology (Hardware, Software, Services, Connectivity) by Application (Healthcare, Manufacturing, Smart Cities, Energy, Mobility, Retail, BFSI, Education, Agriculture and Others) by Geography (North America, Europe, Asia Pacific, Latin America, Middle East & Africa – LAMEA)”.Internet of Things Market – Global Industry Analysis and Forecast (2016-2024)Early buyers will receive 10% customization on reports.Contact:<br />Ms. Dharati Raut<br />Office No.- 228, 2nd Floor,<br />B-Wing, Jai Ganesh Vision, Akurdi,<br />Pune – 411035,<br />Maharashtra, India.<br />+91 20 6630 3320 </p>]]></content:encoded> <wfw:commentRss>http://dlwhu.info/?feed=rss2&p=40</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>12 eCommerce Legal Issues to Consider in Operating an Online Business</title> <link>http://dlwhu.info/?p=37</link> <comments>http://dlwhu.info/?p=37#comments</comments> <pubDate>Sun, 19 Mar 2023 13:43:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dlwhu.info/?p=37</guid> <description><![CDATA[The following article provides a high-level summary of some key eCommerce law issues online business operators face in running a website or other eCommerce business. Conducting business online or maintaining a website may subject companies and individuals to unforeseen legal … <a href="http://dlwhu.info/?p=37">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> The following article provides a high-level summary of some key eCommerce law issues online business operators face in running a website or other eCommerce business. Conducting business online or maintaining a website may subject companies and individuals to unforeseen legal liabilities. The following is a brief survey of 12 key eCommerce law issues to consider:1. Internet Business & eCommerce A good starting point is analyzing a company’s online presence and auditing their procedures to determine how to grow their brand and online influence. As part of this, the company’s agreements and websites should comply with the myriad of laws and regulations affecting websites and online businesses, such as COPPA.2. Domain Name AcquisitionDomains are often the key to an online business, but can present a number of problems. Domain name issues include securing a domain name initially, as well as protecting domain names from adverse parties that attempt to trade off the goodwill associated with the company’s brand. Sometimes, the company needs defense, retrieval, and protection of domain names on the Internet.3. Digital Millennium Copyright Act (“DMCA”) ComplianceCompanies operating websites, particularly where third-party content may be uploaded directly, should consider adopting agreements and procedures to shield themselves against claims of liability and copyright infringement. This procedure is sometimes referred to as a “copyright policy” or “DMCA takedown” procedure. Compliance with the DMCA can provide the online operator with a safe harbor from liability.4. Online PrivacyOnline privacy continues to become a bigger issue. With the spread of mobile devices, tablets, and apps, privacy issues are becoming more complex. Companies should consider composing or updating their privacy policies as well as adopting internal security protocols aimed at protecting the online privacy of customers and website users.5. Social Media LawWhile a powerful vehicle to build brand strength and interact with customers, social media can create a number of legal issues for online businesses. A social media policy provided to employees as well as guidelines can be effective steps to reduce risk. A few key areas to consider are employment related use of social media, confidentiality, sponsorship, and branding guidelines.6. Privacy PoliciesPrivacy policies should not be copied from online templates or rival companies. They should be drafted comprehensively to address unique issues of a specific online business and to accommodate future growth. Whether a company looks to collect analytics or more personalized information, the company should focus on its specific business needs and risk factors. Privacy policies should be updated as a business evolves.7. Terms of Use AgreementsTerms of Use (TOU) agreements can limit liability for companies that maintain an Internet presence. These agreements should be optimized to address a company’s specific business and should not be simply cut and pasted from the Internet. What works for one company may not work for another company.8. eCommerce AgreementseCommerce agreements come in many forms such as licensing, advertising agreements, and payment processor agreements. eCommerce agreements should be drafted to address the primary legal risks involved in a particular eCommerce contract or business transaction.9. Online Sweepstakes & GamesOnline sweepstakes, contests, and games create a number of legal pitfalls. Depending on the sweepstake, contest, or game, compliance with the laws of all 50 states as well as the federal government may be required. Registration in specific states may also be required. Online businesses may benefit from guidance as to whether a particular new initiative is considered a sweepstake, contest, or game.10. Domain TheftRecovering hijacked domains can often be difficult and time-consuming. Typically, avoiding domain theft in the first place is much easier than attempting to recover a stolen domain. While difficult, it is possible to recover a hijacked domain.11. Website AgreementsWebsite agreements can be customized to limit legal liability and reduce risks of disputes by analyzing an online business’s intellectual property portfolio, business processes, and brand objectives. Website agreements can be used for mobile applications in addition to websites.12. Impersonation and Username SquattingImpersonation and username squatting can occur when a third party registers a social media account using someone else’s identity. This can result in harmful posts and information being published in social media. Username squatting can also prevent a trademark or brand owner from controlling their trademark. Typically, registering usernames in advance is the best strategy to avoid impersonation or username squatting.While the above identifies a number of eCommerce and internet law issues affecting website and online business operators, an in-depth analysis may be required. For more information, you may want to contact an eCommerce attorney.Disclaimer – As with any discussion of legal topics, this article is intended to be educational only, and is not a substitute for legal advice, nor does it provide legal advice or form an attorney-client relationship with the reader. Please seek legal counsel before making any decisions. Also, please note that this article will likely not be updated, so the law and circumstances may have changed by the time you have read this article. </p>]]></content:encoded> <wfw:commentRss>http://dlwhu.info/?feed=rss2&p=37</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Hotels Near Buffalo Airport</title> <link>http://dlwhu.info/?p=34</link> <comments>http://dlwhu.info/?p=34#comments</comments> <pubDate>Sun, 05 Feb 2023 03:03:12 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[accounting]]></category> <category><![CDATA[business]]></category> <category><![CDATA[companies]]></category> <category><![CDATA[google]]></category> <category><![CDATA[near me]]></category> <category><![CDATA[offices]]></category> <category><![CDATA[restaurant]]></category> <category><![CDATA[sale]]></category> <category><![CDATA[services]]></category> <guid isPermaLink="false">http://dlwhu.info/?p=34</guid> <description><![CDATA[In case you are going to be visiting the Buffalo, New York vicinity and will require one of the hotels near Buffalo Airport then this particular directory of Buffalo Airport hotels may possibly assist you by finding the a hotel … <a href="http://dlwhu.info/?p=34">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> In case you are going to be visiting the Buffalo, New York vicinity and will require one of the hotels near Buffalo Airport then this particular directory of Buffalo Airport hotels may possibly assist you by finding the a hotel that will fit your purposes. Several of those hotels are located within only a mile from the airfield. This particular index exhibits the places to stay closest to the Buffalo airline facility first.Days Hotel Buffalo Airport facility, 4345 Genesee Avenue. The Days Inn has a perfect location straight across to the Buffalo Airport, found just from the interstate. Facilities included will be a fitness center. Close to are Tops Plaza and as well Union Road Plaza.Doubletree Club Resort, 125 High Lane. The Doubletree Club Hotel is uniquely positioned only a short distance to everything within Buffalo. The resorts one hundred uniquely furnished resort suites introduce all features which everyone may well want on in a hotel. Found in close proximity are Union Consumer Square and also Walden Galleria Square.Comfort Suites, 901 Dick Road. Very well accessible using the Interstate 90, The hotel presents a free transportation service from the Buffalo Niagara Airport including a fitness center, free deluxe Continental breakfast, hot tub. Centered in close proximity will be Union Consumer Square and also Union Road Plaza.Hyatt Regency Hotel Buffalo, 2 Fountain Plaza. Positioned in the central part of Buffalo N.Y., this accommodation will be most near Shea’s Performing Arts. Other attractions will be Buffalo Niagara Convention Center in addition to Saint Paul’s Cathedral. The hotel features 396 fantastically planned guest suites. This particular hotel has the award-winning EB Green’s Steakhouse.Comfort Suites Midtown, 601 Main Ave. Set inside the focal point in the municipality, this particular hotel will be nearest Fountain Plaza. Additional activities involve Buffalo Niagara Convention Center along with the Buffalo City Hall.Hampton Inn & Suites Downtown Buffalo, 220 Delaware Avenue. The Hampton Inn & Suites hotel is centered in the center of downtown Buffalo it really is the perfect selection in favor of hotels while you are in the city on business or vacation.Econo Lodge, 4344 Milestrip Road This particular lodging is situated inside Blasdell. The home of the Buffalo Bills football team will be an area destination. Another nearby attraction is Erie County Botanical Gardens as well as Park Country Club.Adam’s Mark Resort, 120 Church Lane. Placed within the central point inside of the midtown vicinity, this resort will be close to St. Josephs Cathedral, Buffalo Niagara Convention Center and also the Dunn Tire Park.Holiday Inn Business district Buffalo N.Y., 620 Delaware Road. The Holiday Inn city center accommodation will be positioned inside historical Allentown area of Buffalo, New York it’s located close to quaint markets, bistros, as well as nearby to the Buffalo General Hospital.Quality Inn Hotel, 4217 Genesee Ave.. Located in close proximity to the Buffalo Niagara flight facility, this particular Cheektowaga property is also close to Union Consumer Square. One more main destination is North Creek South Creek Park. </p>]]></content:encoded> <wfw:commentRss>http://dlwhu.info/?feed=rss2&p=34</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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