![[Valid RSS]](images/valid-rss-rogers.png "Valid RSS")
This is a valid RSS feed.
This feed is valid, but interoperability with the widest range of feed readers could be improved by implementing the following recommendations.
<?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>dpehcln.info</title> <atom:link href="http://dpehcln.info/feed" rel="self" type="application/rss+xml" /> <link>http://dpehcln.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 18:11:31 +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>Retirement Income Streams And Options</title> <link>http://dpehcln.info/retirement-income-streams-and-options</link> <comments>http://dpehcln.info/retirement-income-streams-and-options#comments</comments> <pubDate>Wed, 29 Nov 2023 13:35:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dpehcln.info/?p=54</guid> <description><![CDATA[Introduction Retirement is a significant milestone in everyone’s life. It’s a time when you can finally relax and enjoy the fruits of your labor. However, it’s essential to plan for your retirement income to ensure a comfortable and secure future. In this article, we will explore various retirement income streams and options that can help [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="When Can I Get My Retirement Savings?" src="https://i2.wp.com/www.mymoneydesign.com/wp-content/uploads/2011/10/Your-Retirement-Income-Streams.bmp" _mce_src="https://i2.wp.com/www.mymoneydesign.com/wp-content/uploads/2011/10/Your-Retirement-Income-Streams.bmp" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Introduction</h2><p>Retirement is a significant milestone in everyone’s life. It’s a time when you can finally relax and enjoy the fruits of your labor. However, it’s essential to plan for your retirement income to ensure a comfortable and secure future. In this article, we will explore various retirement income streams and options that can help you maintain financial stability during your golden years.</p><h2>1. Social Security</h2><p>Social Security is a government program that provides a retirement income stream to eligible individuals. The amount you receive depends on your earnings history and the age at which you start receiving benefits. It’s important to understand the rules and regulations surrounding Social Security to maximize your benefits.</p><h2>2. Pensions</h2><p>If you’re fortunate enough to have a pension plan through your employer, it can be a valuable source of retirement income. Pensions provide a fixed monthly payment for life, based on your years of service and salary. However, not all companies offer pensions anymore, so it’s crucial to understand your options and consider other income streams.</p><h2>3. Retirement Savings</h2><p>One of the most common retirement income sources is personal savings. It’s essential to start saving for retirement as early as possible to take advantage of compounding interest. Options such as individual retirement accounts (IRAs) and 401(k) plans allow you to contribute a portion of your income on a tax-advantaged basis.</p><h2>4. Annuities</h2><p>Annuities are insurance products that provide a guaranteed income stream for life or a specified period. They can be purchased with a lump sum or through regular payments. Annuities offer a sense of security in retirement as they provide a steady income, regardless of market conditions.</p><h2>5. Dividend-Paying Stocks</h2><p>Investing in dividend-paying stocks can be a smart way to generate retirement income. Dividend stocks are shares of companies that distribute a portion of their profits to shareholders regularly. By investing in stable and reliable companies, you can receive regular dividend payments that can supplement your other income sources.</p><h2>6. Real Estate Investments</h2><p>Real estate investments, such as rental properties or real estate investment trusts (REITs), can provide a steady income stream during retirement. Rental properties generate rental income, while REITs distribute rental income from a portfolio of properties. These investments can offer both income and potential appreciation over time.</p><h2>7. Part-Time Work</h2><p>Many retirees choose to continue working part-time during retirement for various reasons. Part-time work not only provides additional income but also keeps you engaged and active. It’s important to explore job opportunities that align with your skills and interests to make your retirement work enjoyable.</p><h2>8. Health Savings Accounts</h2><p>Health savings accounts (HSAs) are tax-advantaged accounts that can be used to save for medical expenses. If you have a high-deductible health plan, you can contribute to an HSA and use the funds for qualified medical expenses tax-free. In retirement, HSAs can be a valuable source of income to cover healthcare costs.</p><h2>9. Reverse Mortgages</h2><p>A reverse mortgage allows homeowners aged 62 and older to convert a portion of their home equity into tax-free income. This income stream can be received as a lump sum, a line of credit, or monthly payments. Reverse mortgages can be a viable option for retirees who want to tap into their home equity without selling their property.</p><h2>10. Long-Term Care Insurance</h2><p>Long-term care insurance provides coverage for the costs of long-term care services, such as nursing home care or in-home care. It can help protect your retirement savings from being depleted by high medical expenses. Having long-term care insurance ensures that you have the necessary funds to receive quality care if needed.</p><h2>Conclusion</h2><p>Retirement income streams and options are crucial to maintaining financial security and enjoying a comfortable retirement. By understanding and exploring different income sources, you can create a diversified retirement income plan that suits your needs and preferences. Consult with a financial advisor to help you make informed decisions and maximize your retirement income.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>http://dpehcln.info/retirement-income-streams-and-options/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Creating A Solid Financial Plan</title> <link>http://dpehcln.info/creating-a-solid-financial-plan</link> <comments>http://dpehcln.info/creating-a-solid-financial-plan#comments</comments> <pubDate>Wed, 29 Nov 2023 13:34:06 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dpehcln.info/?p=52</guid> <description><![CDATA[The Importance of Having a Financial Plan In today’s fast-paced world, it is crucial to have a solid financial plan to secure your future. A financial plan helps you set goals, prioritize your expenses, and make informed decisions about your money. It provides a roadmap to achieve financial stability, whether it’s saving for retirement, buying [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Ten Steps To Creating A Solid Financial Plan For Yourself Financial" src="https://i.pinimg.com/originals/3f/b3/f5/3fb3f55beaf5d84f7cf6eb4da507f01a.jpg" _mce_src="https://i.pinimg.com/originals/3f/b3/f5/3fb3f55beaf5d84f7cf6eb4da507f01a.jpg" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><p><head></head><body></p><h2>The Importance of Having a Financial Plan</h2><p>In today’s fast-paced world, it is crucial to have a solid financial plan to secure your future. A financial plan helps you set goals, prioritize your expenses, and make informed decisions about your money. It provides a roadmap to achieve financial stability, whether it’s saving for retirement, buying a house, or starting a business.</p><h3>Setting Financial Goals</h3><p>The first step in creating a financial plan is to set clear and achievable goals. Start by identifying your short-term, medium-term, and long-term objectives. Short-term goals can include building an emergency fund or paying off high-interest debts. Medium-term goals may involve saving for a down payment on a house or funding your child’s education. Long-term goals typically revolve around retirement planning.</p><h3>Assessing Your Current Financial Situation</h3><p>To create an effective financial plan, you need to assess your current financial situation. Calculate your net worth by subtracting your liabilities from your assets. This will give you an understanding of your overall financial health. Additionally, analyze your income and expenses to determine your cash flow. Identifying areas where you can cut back on expenses or increase your income will help you allocate your resources more efficiently.</p><h3>Creating a Budget</h3><p>A budget is a vital component of any financial plan. It helps you track your income and expenses, ensuring that you live within your means. Start by listing all your sources of income and then allocate funds for necessary expenses such as housing, transportation, utilities, and groceries. Set aside a portion of your income for savings and investments. Remember to review and adjust your budget regularly to accommodate any changes in your financial situation.</p><h3>Managing Debt</h3><p>Debt can be a significant obstacle to financial stability. As part of your financial plan, develop strategies to manage and reduce your debt. Prioritize paying off high-interest debts first, such as credit card balances. Consider consolidating your debts or negotiating lower interest rates with your creditors. By managing your debt effectively, you can free up more money to build savings and invest for the future.</p><h3>Building an Emergency Fund</h3><p>Life is unpredictable, and having an emergency fund is essential to weather unexpected financial setbacks. Aim to save at least three to six months’ worth of living expenses in an easily accessible account. This fund will provide a safety net in case of job loss, medical emergencies, or major repairs.</p><h3>Investing for the Future</h3><p>Investing is a crucial part of any financial plan. It allows your money to grow over time and helps you achieve your long-term goals. Consider diversifying your investments across different asset classes, such as stocks, bonds, and real estate. Consult with a financial advisor to determine the best investment strategy based on your risk tolerance and financial objectives.</p><h3>Protecting Your Assets</h3><p>Insurance plays a vital role in protecting your assets and providing financial security. Evaluate your insurance needs, including health, life, disability, and property insurance. Make sure you have adequate coverage to safeguard yourself and your loved ones in case of unforeseen events.</p><h3>Regularly Review and Update Your Plan</h3><p>A financial plan is not a one-time task but an ongoing process. Regularly review and update your plan to accommodate changes in your financial situation, goals, or market conditions. Life events such as marriage, birth, or job changes may necessitate adjustments to your plan. Stay informed about financial trends and seek professional advice when needed.</p><h3>Conclusion</h3><p>Creating a solid financial plan is essential for achieving financial stability and realizing your goals. By setting clear objectives, assessing your current situation, creating a budget, managing debt, building an emergency fund, investing wisely, protecting your assets, and regularly reviewing your plan, you can take control of your finances and secure a brighter future.</p>]]></content:encoded> <wfw:commentRss>http://dpehcln.info/creating-a-solid-financial-plan/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Achieving Financial Goals Through Budgeting</title> <link>http://dpehcln.info/achieving-financial-goals-through-budgeting</link> <comments>http://dpehcln.info/achieving-financial-goals-through-budgeting#comments</comments> <pubDate>Wed, 29 Nov 2023 13:31:34 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dpehcln.info/?p=50</guid> <description><![CDATA[Introduction Managing your finances can be a challenging task, especially when it comes to achieving your financial goals. However, with the right approach and a solid budgeting strategy, you can take control of your finances and make significant progress towards your goals. In this article, we will explore how budgeting can help you achieve your [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="The Simplest Budgeting Method For Achieving Financial Goals (With" src="https://i.pinimg.com/originals/93/ca/d2/93cad2979b7cac044d3edd74ecc08bf7.png" _mce_src="https://i.pinimg.com/originals/93/ca/d2/93cad2979b7cac044d3edd74ecc08bf7.png" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Introduction</h2><p>Managing your finances can be a challenging task, especially when it comes to achieving your financial goals. However, with the right approach and a solid budgeting strategy, you can take control of your finances and make significant progress towards your goals. In this article, we will explore how budgeting can help you achieve your financial goals in the year 2023.</p><h3>The Importance of Setting Financial Goals</h3><p>Before diving into the budgeting process, it is crucial to establish clear financial goals. Whether you aim to save for a down payment on a house, pay off debt, or build an emergency fund, having defined goals provides direction and motivation for your budgeting efforts. Take some time to reflect on your financial aspirations and set realistic and measurable goals for yourself.</p><h3>Creating a Realistic Budget</h3><p>Once you have set your financial goals, the next step is to create a budget that aligns with your objectives. Start by evaluating your income and expenses to determine how much you can allocate towards your goals. Consider using budgeting apps or spreadsheets to track your income and expenses accurately.</p><h3>Identifying and Prioritizing Expenses</h3><p>As you analyze your expenses, identify areas where you can make adjustments. Cut back on unnecessary spending, such as eating out or subscribing to multiple streaming services. Prioritize your expenses based on their importance and allocate more funds towards your financial goals.</p><h3>Automating Savings</h3><p>To ensure consistent progress towards your financial goals, set up automatic transfers to a separate savings account. This way, a portion of your income will be saved without any effort on your part. Automating your savings also reduces the temptation to spend the money earmarked for your goals.</p><h3>Tracking Your Progress</h3><p>Regularly monitor your budget and track your progress towards your financial goals. This will help you stay accountable and make adjustments if necessary. Use budgeting tools that provide visual representations of your progress, such as graphs or charts, to motivate yourself.</p><h3>Adjusting Your Budget as Needed</h3><p>Life is dynamic, and circumstances may change throughout the year. Be prepared to adjust your budget accordingly. If unexpected expenses arise or your income increases, reassess your goals and make necessary modifications to your budget. Flexibility is key to long-term financial success.</p><h3>Seeking Professional Help</h3><p>If budgeting seems overwhelming or you need expert advice, consider seeking help from a financial planner or advisor. They can provide personalized guidance based on your specific circumstances and help you make informed decisions about your finances.</p><h3>Celebrating Milestones</h3><p>As you make progress towards your financial goals, it’s important to celebrate milestones along the way. Recognize your achievements and reward yourself within reason. This will help you stay motivated and continue working towards your ultimate financial objectives.</p><h3>Staying Committed</h3><p>Lastly, achieving financial goals through budgeting requires commitment and discipline. Stay focused on your objectives and resist the temptation to deviate from your budget. Remember that the sacrifices you make now will pay off in the long run, leading you towards financial freedom and stability.</p><h2>Conclusion</h2><p>Budgeting is a powerful tool that can help you achieve your financial goals in the year 2023 and beyond. By setting clear objectives, creating a realistic budget, and tracking your progress, you can take control of your finances and make significant strides towards financial success. Stay committed, seek help when needed, and celebrate your accomplishments along the way. Start budgeting today and pave the way for a brighter financial future.</p>]]></content:encoded> <wfw:commentRss>http://dpehcln.info/achieving-financial-goals-through-budgeting/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Commercial Loan Restructuring – Recession Proof Planning For The Commercial Real Estate Market</title> <link>http://dpehcln.info/commercial-loan-restructuring-recession-proof-planning-for-the-commercial-real-estate-market</link> <comments>http://dpehcln.info/commercial-loan-restructuring-recession-proof-planning-for-the-commercial-real-estate-market#comments</comments> <pubDate>Thu, 06 Apr 2023 19:31:14 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Loans]]></category> <category><![CDATA[Auto Loans]]></category> <category><![CDATA[Budgeting]]></category> <category><![CDATA[Commercial Loans]]></category> <category><![CDATA[Credit]]></category> <category><![CDATA[Credit Tips]]></category> <category><![CDATA[Currency]]></category> <category><![CDATA[Debt Management]]></category> <category><![CDATA[Finance]]></category> <category><![CDATA[Home Equity Loans]]></category> <category><![CDATA[PayDay Loans]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Personal Loans]]></category> <category><![CDATA[Property]]></category> <category><![CDATA[Student Loans]]></category> <category><![CDATA[Trading]]></category> <guid isPermaLink="false">http://dpehcln.info/?p=44</guid> <description><![CDATA[Commercial real estate is valued differently from the way residential real estate is appraised. Commercial real estate value is determined by the amount of income it produces. With the economic slowdown businesses have failed and people have begun making more economically savvy business choices such as living with relatives to save on rent.There are many [...]]]></description> <content:encoded><![CDATA[<p> Commercial real estate is valued differently from the way residential real estate is appraised. Commercial real estate value is determined by the amount of income it produces. With the economic slowdown businesses have failed and people have begun making more economically savvy business choices such as living with relatives to save on rent.There are many factors creating lower occupancy rates, resulting in a decrease in property valuation. Many property owners are finding it difficult to maintain their current overhead while trying to operate competitively in today’s market. Often personal savings is used to keep up the property with no solution in sight. This dismal situation of underperforming commercial real estate is all too common. Personal credit is often damaged and savings are wiped out with nowhere to turn.These situations are typical in some areas of the county, and they put the banks in a predicament since they are holding a note for defaulting properties. The banks’ investments into these at risk properties are counter productive since they force the banks to hold cash reserves for the mortgage amount when they could be invested in other areas that produce a return on their investment.A commercial loan restructure (CLR) offers the advantage of transforming an underperforming or non-performing property into an income producer with a healthy ROI. If a commercial property is not generating enough revenue to afford its mortgage and operating expenses a lender may be enter into negotiations for a temporary or permanent interest rate reduction. Reducing the interest rates can help apportion cost and reduce high vacancy rates. On a commercial real estate loan a reduction of just 1% can save thousands of dollars each month and result in higher cash flow for the property.The objective of a commercial loan restructure is to create stability in properties that are at risk of defaulting on their mortgage notes. A restructure can be more than just a rate reduction. Negotiations can extend note terms and maturity date. By doing so property owners can benefit by postponing balloon payments. In today’s market there is a credit crunch with lenders, underwater mortgages, and borrowers with less than perfect credit. This has created an environment that is not conducive to a refinance.If owners cannot afford a balloon payment or refinance they face the possibility of foreclosure. With declining values, and the reduction of revenue from commercial properties, even borrowers with good credit are finding it difficult to get their loan applications approved. There are over a trillion dollars worth of commercial properties that have mortgage notes becoming due over the next few years. Many of the commercial properties will not be eligible for refinance. Commercial Loan Restructuring is a win-win opportunity for both the borrower and lender since it creates financial stability with the property.The FDIC is encouraging lenders to work to restructure loans to avoid the pitfalls of a failing real estate market. However, most lenders do not have the experience to properly restructure a note that is in the best interest of the borrower. Small and mid-sized banks lack the experience and know how to adequately handle the restructuring process in a timely manner. Nor can these smaller banks afford to withstand a borrower defaulting on a loan. Real estate professionals that specialize in commercial loan restructuring have insight into the market that can help avoid foreclosure and rescue property owners from a failing business. Don’t wait until your note is called in. Take a proactive approach and speak with a CLR specialist before its too late. </p>]]></content:encoded> <wfw:commentRss>http://dpehcln.info/commercial-loan-restructuring-recession-proof-planning-for-the-commercial-real-estate-market/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Home Interior Decorating Ideas for Bargain Hunters</title> <link>http://dpehcln.info/home-interior-decorating-ideas-for-bargain-hunters</link> <comments>http://dpehcln.info/home-interior-decorating-ideas-for-bargain-hunters#comments</comments> <pubDate>Thu, 06 Apr 2023 17:05:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[home]]></category> <category><![CDATA[Building]]></category> <category><![CDATA[Buying]]></category> <category><![CDATA[Commercial]]></category> <category><![CDATA[Commercial Property]]></category> <category><![CDATA[Construction]]></category> <category><![CDATA[Home Staging]]></category> <category><![CDATA[Homes]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Marketing]]></category> <category><![CDATA[Property Management]]></category> <category><![CDATA[Real Estate]]></category> <guid isPermaLink="false">http://dpehcln.info/?p=42</guid> <description><![CDATA[Hunting for home interior design bargains is actually pretty fashionable these days. Many homeowners are interested in making their money stretch as far as possible. And there are many ways to achieve this with home decorating. The big secret to success in home decoration bargain-hunting is to have patience and give it time. The more [...]]]></description> <content:encoded><![CDATA[<p> Hunting for home interior design bargains is actually pretty fashionable these days. Many homeowners are interested in making their money stretch as far as possible. And there are many ways to achieve this with home decorating. The big secret to success in home decoration bargain-hunting is to have patience and give it time. The more patient you are, and the longer you look for bargain items, the better bargains you will find for your home.Some very good places to start when looking for pieces related to interior design are secondhand furniture stores and discount stores. If you are a careful shopper in these kind of stores, you can often come across items such as furniture, linens, accessories and much more at very low, bargain prices. Sometimes you can even come across great deals on household electronics such as televisions and stereo systems. Just be sure that whatever you buy in these stores is still in usable condition, and that the reason it is selling so cheaply is not because it is somehow broken.Other great potential bargain-hunting spots include yard sales, flea markets, auctions, and even estate sales. You can expect to find plenty of competition at these spots for the very best deals, but it’s still worth making the effort, as you can come across very high quality items at bargain basement prices that just can’t be found anywhere else.Whatever item or product that you are searching for, be sure to be smart and price savvy. This means that you don’t want to buy items just because they seem like they are good deals. You only want to buy what you really can use in your home decoration projects. A very common trap for many people is getting carried away and buying way too many useless items simply because they were deemed to be a great deal, instead of actually being useful. Do your best to try to resist this kind of temptation.In fact, establishing a set budget for your decoration projects is a great form of self discipline that can help keep you on track at all times. It will help you avoid buying items just for the sake of getting a good deal. Instead, it will keep the focus on the job at hand and the project you are currently working on.Another aspect of getting home decorating bargains is the labor that can be involved with certain projects around the home. This can include painting, moving furniture, carpet cleaning, and so on. This can be tricky for some homeowners to figure out. It’s true that you can usually hire someone very cheaply to do certain tasks around the home. However, there are some projects where workers who have more experience or better skills can actually get the job done faster and for less money. And a side benefit is that the work is often done much better with less costly mistakes being made. So before deciding on any labor that may be involved in any home decorating project, be sure to weigh both the skill level that is necessary for the project, and the cost of hiring both skilled and unskilled labor before you make your final decision.Finally, good planning can save plenty of money on almost any home decoration project. Attention to detail is critical for many jobs around the home, so take the time to get a thorough understanding of the work that will be involved, then schedule it out carefully in advance, and budget it every step of the way. By following these simple suggestions, you should be able to find the best home decorating bargains and accomplish all of your home improvement projects at the very lowest cost possible. </p>]]></content:encoded> <wfw:commentRss>http://dpehcln.info/home-interior-decorating-ideas-for-bargain-hunters/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Download Audio Books: Put Away Those Heavy Hard Covers and Convert To Audio Listening!</title> <link>http://dpehcln.info/download-audio-books-put-away-those-heavy-hard-covers-and-convert-to-audio-listening</link> <comments>http://dpehcln.info/download-audio-books-put-away-those-heavy-hard-covers-and-convert-to-audio-listening#comments</comments> <pubDate>Sat, 01 Apr 2023 19:32:41 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Music and Radio]]></category> <guid isPermaLink="false">http://dpehcln.info/?p=40</guid> <description><![CDATA[Being able to listen to books instead of having to read them opens up a whole realm of possibilities in the area of self-discovery, self-improvement, personal enjoyment and education. Reading is no longer something you can only do in quiet times. Any time you are involved in a mindless activity, you can listen to audio [...]]]></description> <content:encoded><![CDATA[<p> Being able to listen to books instead of having to read them opens up a whole realm of possibilities in the area of self-discovery, self-improvement, personal enjoyment and education. Reading is no longer something you can only do in quiet times. Any time you are involved in a mindless activity, you can listen to audio books, as well. They are useful for people of all ages and nationalities, and as long as you have access to an MP3 player and a computer, you can download audio books from a huge range of titles.Audio books are excellent gifts for the elderly or anyone you know who has impaired vision. Instead of struggling to see the words and risking eye strain headaches, they can take off their glasses, sit back in a comfortable chair and listen to their book instead. If they love spending time in the garden or going for a stroll to the shops, they can easily take their audio book with them to listen as they go. If you know an elderly person who has problems with illness on a regular basis, buy them an MP3 player, help them to download audio books of their choice and re-inspire them for life.If they are having trouble sleeping or sick of watching TV, they can listen to their books, and it gives them something to talk about next week at bingo, as well! You will be surprised to see how many well-known, popular authors are available as download audio books, and you will no doubt be able to find their favorites for them. Listening to audio books is a great way for the elderly to keep their minds active and stay open to modern day changes and trends. It is so easy for older people to lose touch with the world and society because they find everything so much more difficult to do, so by setting them up with audio books you will be doing them a huge favor.Of course, they are not just for the elderly or visually impaired, but people of all ages can enjoy them every day. If you like to read when you go to bed, you will know how annoying it can be to wake in the middle of the night with the light on and your book pages bent because you rolled onto it. With your audio book, you can switch off the light and lie down comfortably, ready to drift into slumber whenever you feel like it. Next time you are ready to listen, you simply skip to your chapter and scan to where you were in no time.Everyone knows someone who is a self-proclaimed hater of books and reading. It is hard to understand, since a good book is such an inspiring and emotional journey. By buying them an audio book, you could change their whole perspective on reading: Look at the hobbies they enjoy, try to target their level and you are bound to spark their interest.Audio books really are the new age way to experience a book. Why would anyone choose to struggle with heavy hard copies when you could have several books filed away on a neat little player along with music and radio? Whatever you feel like listening to, is available to you at the touch of a button. It is that easy! It is obvious why they have come to be so popular, and if you look on the web today you will be able to download audio books, from thousands of available titles, from classics to modern, as well as very recent works.Copyright: Helen Wall </p>]]></content:encoded> <wfw:commentRss>http://dpehcln.info/download-audio-books-put-away-those-heavy-hard-covers-and-convert-to-audio-listening/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Boat Loans – Steering Way Towards a Bon Voyage</title> <link>http://dpehcln.info/boat-loans-steering-way-towards-a-bon-voyage</link> <comments>http://dpehcln.info/boat-loans-steering-way-towards-a-bon-voyage#comments</comments> <pubDate>Sat, 01 Apr 2023 08:32:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Loans]]></category> <guid isPermaLink="false">http://dpehcln.info/?p=38</guid> <description><![CDATA[In the full moon night, on a lovely morning you would like to take your craft, your boat where the cool wind blows. How it steers slowly along the fine film of transparent blue waters. It is very easily your reverie for you don’t own a boat yet. With boat loans, you can definitely own [...]]]></description> <content:encoded><![CDATA[<p> In the full moon night, on a lovely morning you would like to take your craft, your boat where the cool wind blows. How it steers slowly along the fine film of transparent blue waters. It is very easily your reverie for you don’t own a boat yet. With boat loans, you can definitely own one. If boat is your kind of carrier and money is not in your pocket then boat loans are fit for your selective choice for boats.Some of the best boat loans are offered in UK at competitive rates and terms matched with personalized services that make boat purchasing a pleasurable experience. Once considered an expensive luxury, with the advent of fiberglass boats in 1950s they have become accessible to people with modest means.Your boat loans process will start with a formal boat loans application. This application forwarded to any loan company would authorize them to examine your credit and verify information that you have provided.Your boat loan application would include basic information of the likes of your complete name, phone number, address, employment details, home ownership if relevant and monthly debt service. Income verification may be ordered depending on the boat loan amount. You would probably have to proffer tax return for the last two years or make a financial statement which would include information about your property or financial obligation. This information will only further the cause of providing you with a good boat loan. Furnishing correct information would definitely benefit your boat loan hunt.The loan rate on boat loans are determine keeping in mind a combination of things like your credit score, amount financed compared to the value of the boat. Financing for boat loans start at £10,000 usually and can extend upto £10,000,000. Boat loans can offer financing for new or old boats purchased from dealers or brokers or private sellers.Every consumer aspired for low interest rates on any kind of loan including boat loans. Before you jump into the boat loan market, get a glimpse of what you are getting into. You don’t want yourself to be clueless while you are infiltrating the loan market. Contacting different loan lenders online is a good option. It will give an idea of what kind of boat loan rates are currently prevailing.Pre qualifying for a boat loan is an insightful method. Pre qualifying would give you a financial structure to steer you through the boat loan process. If you go in for a boat loans broker, he will have access to different loan lenders. This will make you open to boat loans which have a unique plan that will suit your finances. The broker can match the appropriate lender and thereby give you lowest possible boat loan rates.However, submitting to a boat loan broker might be risk your credit score. A Boat loan [http://www.chanceforloans.co.uk/secured_personal_loan.html] broker would initiate the process of supplying your boat loan application to different lenders in order to find a good deal. Every time a loan lender receives an application, he would run a credit check on your application. Every credit check would mean a decrease in your credit report. Therefore, it is not advocated to place your boat loan application for multiple lenders cause it may seriously damage your credit. Ask your broker for the details of the process.If you intend to buy a boat from a boat dealer then you might find a real help in the loan process. The dealers usually have a Finance Manager who can help right through the whole loan procedure starting from the boat loan application to the loan closing.There is a long queue of dealers, bank, credit unions and financial services which are committed to the cause of providing boat loans. In this expansive<br />accumulation it is crucial to find the right one. The National Marine Bankers Association (NMBA) provides edification and aid to marine lending company. They are the ones that specialize in boat loans are likely to be the most proficient people to serve your need. It is best to search a boat loan lender who is a member of NMBA.A homeowner can utilize their status for getting a secured boat loan. Secured boat loan have low interest rates. However, you would have to pledge your home or property for your secured boat loan. If this idea doesn’t suit you take an unsecured loan which requires no such guarantee. Take a fixed interest boat loan or opt from variable rate or balloon rate category.Select your boat with care and circumspection. And adopt the same approach while choosing a boat loan. With a boat loan it won’t take long before your own boat will be parked on the harbour. That one sailing on the blue waters is definitely yours. </p>]]></content:encoded> <wfw:commentRss>http://dpehcln.info/boat-loans-steering-way-towards-a-bon-voyage/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Reasons For Selling A Business</title> <link>http://dpehcln.info/reasons-for-selling-a-business</link> <comments>http://dpehcln.info/reasons-for-selling-a-business#comments</comments> <pubDate>Fri, 31 Mar 2023 22:18:06 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Business]]></category> <guid isPermaLink="false">http://dpehcln.info/?p=35</guid> <description><![CDATA[A business sale is not a “one size fits” all situation. The details that apply in a specific situation will not all be the same. Before proceeding further, it’s important to step back a bit and look at the big picture for business sales in a variety of circumstances. Not all business sales are for [...]]]></description> <content:encoded><![CDATA[<p> A business sale is not a “one size fits” all situation. The details that apply in a specific situation will not all be the same. Before proceeding further, it’s important to step back a bit and look at the big picture for business sales in a variety of circumstances. Not all business sales are for the same reasons, and the circumstances of the sale can have a big impact on how a sale should proceed.What KIND of Buyer is it?Before considering the various sale situations, it helps to consider the KIND of buyer. In almost all cases the buyer will be either another company or an individual.If the buyer is another company then it is likely the buyer will be able to run the business successfully. The buyer’s ability to pay may be fairly secure. Training the buyer may not be critical, but assistance with customer retention after the sale may be critical. The buyer may be more sophisticated, or at least have more sophisticated advisors. Consideration for the sale may include some form of performance based incentives (i.e., an “earn-out”).If the buyer is an individual, training the buyer may be even more important than assisting with customer retention. Since the buyer’s ability to run the business successfully may not be as certain as it would be if the buyer were another company with a proven track record, the cash and/or collateral the buyer brings to the table may be a major factor in the sale.The Most Common Sales SituationsThese are the most common sales situations. Whether you are a buyer or a seller, one of these situations most likely fits you. Additional details applicable to each are covered later in subsequent articles.Very Small Business – This is the most common business sale situationSometimes referred to as “Mom & Pops”, “Main Street Businesses”, etc.<br />Most of these businesses do not actually sell.<br />This is usually a sale to an outside individual (an “External Sale”).<br />Sometimes (although rarely) the sale will be to an insider (an “Internal Sale”).<br />It is rare to have an employee with both the interest and the ability.<br />The person needed can sometimes be recruited.<br />Can often be creatively structured as a win/win, even if the buyer has little money.Somewhat Larger Small Business – External SaleMore likely to sell than a Mom & Pop, but many never do.<br />Internal Sale<br />Easier to structure than for a Mom & Pop, but still difficult to find the right successor.<br />Family Sale<br />The IRS has insanely complex rules designed to make sure they get all the tax revenue they think they are entitled to. Which is A LOT.<br />Will most likely need an appraisal to support the price.DivorceOften VERY contentious, with expensive appraisal and attorney fees, and the eventual price and terms set by a judge.<br />Can sometimes be greatly simplified with advance legal planning (such as Shareholders Agreements).Partner BuyoutCan also be contentious.<br />Can sometimes be greatly simplified with advance legal planning (such as Shareholders Agreements).Sale for Health ReasonsIf the seller is in ill health but not clearly dying<br />Time is not as critical as for a dead or dying seller.<br />Potential buyers may try to take advantage of the situation.<br />The seller’s help with the post-sale transition may be affected.<br />If the seller is still alive but clearly dying<br />A sale planned to occur upon death can sometimes be arranged.<br />This has the potential to save a LOT of tax.Seller (business owners) has passed awayThe company may be in turmoil.<br />Can be VERY difficult to find a buyer.<br />Tax issues can be VERY complex.Financially Distressed SaleIf the business is in trouble, the buyer will need to see a way to fix the problem, or a sale will not happen.<br />Often involves simply liquidating the assets and walking away.<br />May be forced by the company’s lenders.Sale to a Large BuyerLikely to be fairly sophisticated buyers.<br />Likely to include an “earn-out” as part of the “price”.<br />Publicly traded buyers<br />May involve tax-advantaged strategies involving the buyer’s stock.<br />Large, closely held buyers<br />May be easier to attract than a publicly held buyer.Start-upsOften done with personal funds.<br />If funding is from family and friends, then their ownership must be decided.<br />If Venture Capital is involved, then complexity goes way up.<br />Usually only available if the upside potential is very high.<br />Initial Public Offerings (“IPO’s”)<br />Basically, this is selling part of the company to the public in the form of company stock.<br />Often involves venture capital at an earlier stage.<br />VERY complex.Employee Stock Option Plan (ESOP)Very complex and expensive.<br />Can have significant tax advantages.<br />Might have motivational effect on employees.<br />Not as popular as initially expected when these were created.Very Small BusinessesThese businesses are sometimes referred to as “Mom & Pops”, “Main Street Businesses”, etc. Although each company is small with only a few employees, they represent a huge part of the goods and services available in our economy, and are the embodiment of the American Dream for many people.Attempted sale of these businesses is the most common business sale situation. Unfortunately, most of the time they never actually sell. Some estimates are that only one in seven of these businesses will actually sell once they are listed for sale. Many more simply shut down once the owner decides to move on to something else.Unrealistic expectations on the part of the seller, particularly the value of the company, are one of the reasons blocking sale of many of these companies.The value of these companies is NOT the value of the company to the seller, which may be quite high. Instead, the maximum value is limited by the cost a potential buyer would incur to start a similar business instead. That means the value may be determined by the value of the equipment, plus something extra for the “running start” available to the buyer from buying the existing business instead of starting a similar operation from scratch.Formal valuation approaches based on the net present value of expected future cash flow, net of reasonable compensation to the owner, often do not apply. Instead, rules of thumb based on some multiple of sales plus the value of the equipment acquired are often used. These rules of thumb have even been published in a book, theBusiness Reference Guide, The Essential Guide to Pricing Businesses and Franchises, compiled annually by Tom West and available through Business Brokerage Press and available on the web at www.bbpinc.com. (One of the authors of the article you are reading right now is one of the contributors to this book.)It is important to remember that these rules of thumb are GENERAL rules, and may not be valid for a specific situation. It is also important to remember that these rules of thumb were developed based on businesses that actually sold. That means they are biased in favor of the most attractive businesses offered for sale. The businesses that never sell have very little impact on these rules of thumb.Ultimately, the value of these businesses is determined just like the value of any other business: What a willing buyer and willing seller agree on. Both sides must see it as in their best interest to do the deal, or it will not happen. In other words, it must be a win/win or it will not happen.One way to sell these businesses is to arrange an internal sale. The key to this is finding a person(s) who has the necessary skills and entrepreneurial drive. Entrepreneurs are often harder to find than the people with the necessary skills. For companies that do not already have that person, it may be possible to recruit them based on the possibility of their buying the company in the future.Sales of this type can be arranged even for buyers who do not bring much of their own money to the table. Finding advisors who can assist with this can be challenging as well.Somewhat Larger Small BusinessesOnce a business has grown past the “Mom & Pop” size, it may be a bit easier to sell. There is no generally agreed minimum size for this, but these businesses often have ten or more employees.Many of these businesses are only marginally profitable, and will be priced using similar methods to their smaller cousins. Those that are profitable enough will be priced based on the adjusted profits a buyer can reasonably expect in the future. The key to their sale will be the ability of the buyer to continue operating the business profitably in the future, which often means the seller will need to help with the transition.Much of the literature on buying and selling a closely held business is focused on businesses this large or larger, and assumes the buyer will be either an outside individual, or another business. Little attention is paid to the possibility of an inside sale.These businesses are easier to arrange internal sales for than their smaller cousins, although it is still rare to see this done. Finding entrepreneurs is always hard, and few advisors understand the issues enough to help.DivorceA divorce often means half the business must, in effect, be sold to the spouse who runs it. If both spouses worked in the business prior to the divorce, one of them most likely will seek employment elsewhere.The biggest question in these sales is usually price. Terms tend to be based on asset trade-offs, with cash paid for whatever value cannot be offset by other assets. Bank financing is sought as necessary to provide the cash. Appraisals are used to establish value, with a judge determining the final result if the appraisers used by each side differ in their opinion of value.Advance legal planning, including agreement on how value will be determined, can help simplify the process dramatically. Most owners are aware of the possible use of a pre-nuptial agreement but do not have one. Less well known is that a proper Shareholders Agreement can simplify the divorce issues, including valuation, by quite a bit.Shareholder/Partner BuyoutBuying out a fellow shareholder/partner may or may not be a contentious process, but it is still likely to involve disagreement over value. EVERY multi-owner business should have a Shareholders Agreement (or equivalent) to address the multitude of issues that need to be spelled out in advance in this situation. How value will be determined, as well as the terms for a buyout, is just one of the topics that should be covered in this agreement.This is a huge topic with its own article later in this series.Sale for Health ReasonsMany sales are triggered because the owner is in ill health but not clearly dying. The seller has a very good reason to want to sell, but is not under pressure to do so immediately. These sales are very similar to any other sale for a similar business except the seller may not be able to provide as much help during a transition. If an internal sale is desired there may not be enough time to recruit key employees, and longer term planning may not be an option.If the seller is facing a potentially terminal disease, the sale will be much more complex. Seller assistance post-sale is much more problematic, thus lowering the value to a potential buyer. Likewise, the business itself may be suffering from neglect by the owner because health matters take priority. The seller will be at a disadvantage in negotiations as well, since potential buyers may sense the seller HAS to do the sale.Tax planning for the seller’s heirs may play a major role for a seller facing a terminal illness. The tax issues include potential estate taxes, plus potentially dramatic differences in how the sale itself will be taxed.It is possible to plan a sale in advance, with the sale itself being deferred until the seller’s death. As a protection to the buyer, the sale generally includes a “no later than” sale date, and may include provisions for the buyer to operate the business prior to that date as well. In the right circumstances this can reduce taxes substantially, provided the sale itself is structured properly. The technical elements in the sale structure for this situation may be quite different than for a typical sale.Financially Distressed SaleSome businesses are put up for sale as a last ditch attempt to avoid bankruptcy or being forced to shut down. In some cases the business will go through a formal bankruptcy process, with the court eventually approving a plan to reorganize the business or mandating the business be liquidated if a credible plan to return the business to profitability cannot be developed.If an outside buyer is sought, the potential buyer will need to see a way to fix the problem causing the financial distress, or the buyer will not buy. Sometimes this will involve buying only the profitable parts of the business, leaving the difficult parts behind. This can also lead to unexpected legal complications on both sides of the sale, so be sure to include experienced legal counsel in the process.If no way can be found for a buyer to solve the underlying problems, or the profitable portions of the business (if any) cannot be sold separately, then the business is unlikely to be salable as a going concern. In that event the business will most likely be forced to simply sell off its assets, apply the proceeds to its liabilities, and then go away. If liabilities remain and the owner is legally liable for them, the owner may have to personally make up the shortfall.Sale to a Large BuyerLarger buyers are likely to be another company, often in the same industry. They generally have the ability to run the acquired business successfully, and are often more sophisticated that the typical individual buyer.These buyers are not typically interested in “Mom & Pop” businesses. The “price” they are willing to pay is likely to include a portion of the consideration in the form an “earn-out” based on performance of the acquired company after the sale. If the buyer is a publicly traded company, the sale may sometimes include use of the buyer’s stock to help improve the tax effects on the seller, and to reduce the cash required by the buyer.Start-upsStarting a company is often done with personal funds and does not involve sale of part of the company. If family and friends are used to help with funding then a loan will be required, or the other investors must have some equity in the company (or both). </p>]]></content:encoded> <wfw:commentRss>http://dpehcln.info/reasons-for-selling-a-business/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>5 Empowering Tracks From Female Icons To Make You Feel Inspired</title> <link>http://dpehcln.info/5-empowering-tracks-from-female-icons-to-make-you-feel-inspired</link> <comments>http://dpehcln.info/5-empowering-tracks-from-female-icons-to-make-you-feel-inspired#comments</comments> <pubDate>Wed, 14 Sep 2022 09:34:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cleaning]]></category> <category><![CDATA[driving]]></category> <guid isPermaLink="false">http://dpehcln.info/?p=33</guid> <description><![CDATA[Sometimes we all need a little lift. Whether you’ve had a recent knock to your confidence, have been going through stress in your personal or professional life, or have always struggled with your self-esteem, music is an essential tool for lifting your spirits and making you feel better about yourself. According to a study by [...]]]></description> <content:encoded><![CDATA[<p>Sometimes we all need a little lift. Whether you’ve had a recent knock to your confidence, have been going through stress in your personal or professional life, or have always struggled with your self-esteem, music is an essential tool for lifting your spirits and making you feel better about yourself.</p><p>According to a study by Heriot-Watt University, the type of music you listen to not only influences your mood, but also your personality, with indie and rock/heavy metal fans reporting the lowest levels of self-esteem, while fans of jazz, blues, opera, classical, pop, rap and soul all reported high levels of self-confidence.</p><p>So if you’re having a ‘down day’, why not boost your spirits by listening to some powerful, uplifting tracks? Here are five perfect confidence boosters.</p><p> Britney Spears – Toxic</p><p>Britney’s own struggles with her mental health and conservatorship have made her an inspiration for many people across the world.</p><p>This classic song is timelessly sensual, and the heavy beats throughout make it impossible not to dance to. A welcome blast of nostalgia, this tune has filled dance floors across the globe with fans old and new.</p><p>The video features Britney as a female spy playing the sexy flight attendant, seducing her passenger before she makes her escape on a motorbike and breaks into a high-security facility guarded by a laser security system.</p><p>This track and video is a guaranteed way to feel invincible, and deserves a place on your playlist no matter your mood.</p><p> Kelis – Milkshake</p><p>A cheesy classic that is guaranteed to make you feel all warm and gooey inside, Kelis pumps up the heat in this 00’s RnB track. Underpinned by intricate drum beats and electric elements, Kelis’ self-confidence is infectious, and it’s hard not to find yourself smiling at the lyrics.</p><p>This track is a great way to get into a flirtatious mindset, making it a great choice before going on a date or heading out for the evening.</p><p>And if you’re staying in? It’s a great mood lift. But beware! You may find yourself craving a sweet treat.</p><p> Eve (ft. Gwen Stefani) – Let Me Blow Your Mind</p><p>This RnB classic will capture your attention with its assertive rhythm and powerful vocals from 00’s icons Eve and Gwen Stefani. Featuring a laid-back – yet self-assured – beat, and catchy guitar riff, this is a great track for driving, and its empowering feel is sure to help you feel motivated.</p><p>Got a job interview lined up, or thinking of asking for a raise? This anthemic number is a quick way to feel positive and more assertive.</p><p>The video features Eve and Gwen Stefani crashing an exclusive event on quad bikes, causing a stir among the privileged attendants, and shoving the performer off stage to perform their own music, before finally being arrested and taken to the station in a police van.</p><p>This ‘baddie’ track helps you to tap into the hidden ‘bold’ side of your personality, and lifts your mood while keeping you feeling calm and cool.</p><p> Fergie – MILF$</p><p>If you have kids, it can be difficult to feel sexy. When you’re running around cleaning the house, changing nappies, or up to your elbows in dishwater, you can easily forget your sensual side – leaving you feeling frumpy and lacking in confidence and motivation.</p><p>Thankfully, Fergie’s comeback track is a quick remedy to your low mood and lethargy.</p><p>Featuring attractive mothers dressed in curve-hugging latex and silky lingerie going about their daily life in a dreamy, colourful suburbia, this track is a quick way to transform your self-esteem and transport you to a world where you are not just a mother, but a goddess too.</p><p>Why not shake off the day and tap into your feminine energy with Fergie, your sexiest PJs, and a bottle of your favourite wine?</p><p> Marina And The Diamonds – How To Be A Heartbreaker</p><p>Low confidence after a breakup? You’re not alone. Having your heart broken can leave you feeling depressed, undesirable, and unmotivated. So flip the tables on your ex and become a heartbreaker with Marina’s catchy club classic.</p><p>This empowering dance track will make you want to move your body and get in touch with your bad girl side, with its heavy beat and pounding rhythms.</p><p>Plus, if your libido has suffered as a result of your low mood, take a sneaky peek at the video – it will get your blood pumping with its steamy shower shots and smoking hot male models.</p>]]></content:encoded> <wfw:commentRss>http://dpehcln.info/5-empowering-tracks-from-female-icons-to-make-you-feel-inspired/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Pandemic Effects on Hospitality Industries and How They Overcome It</title> <link>http://dpehcln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it</link> <comments>http://dpehcln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it#comments</comments> <pubDate>Tue, 13 Sep 2022 09:34:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Hospitality]]></category> <category><![CDATA[Industries]]></category> <category><![CDATA[Tour]]></category> <guid isPermaLink="false">http://dpehcln.info/?p=31</guid> <description><![CDATA[The COVID-19 pandemic affects many aspects and many sectors of life. As a result, economic sectors are fully affected, and the hospitality industry is no exception. The hospitality industry is known to be the source of job opportunities and supports many livelihoods of millions of workers and their families. Because Indonesia is primarily reliant on [...]]]></description> <content:encoded><![CDATA[<p>The COVID-19 pandemic affects many aspects and many sectors of life. As a result, economic sectors are fully affected, and the hospitality industry is no exception. The hospitality industry is known to be the source of job opportunities and supports many livelihoods of millions of workers and their families. Because Indonesia is primarily reliant on the service sector, the tourist industry plays an important part in the country’s growth. The increase of the COVID-19 cases has brought about a huge increase in the number of workers getting expelled or having their work ended. How did the hospitality industry survive in this era? The pandemic has provided several opportunities for numerous hospitality industries to use specific mechanisms in order to overcome pandemic difficulties.</p><p>Tourism and hospitality industries affected by the COVID-19 pandemic, including hotels, restaurants, resorts, travel agencies, travel and transportation, and real estate, show a significant losing number of tourists. According to the president of the Indonesia Tour Guide Association (HPI, 2020), 45,000 visitors have cancelled their plans to visit main tourist spots in the country between January and May. Furthermore, According to UNWTO (2020), 100-120 million direct and indirect activities were in jeopardy, and foreign tourist numbers decreased 56% year on year from January–May 2020. These noteworthy diminishing numbers primarily influenced the Indonesian financial state. For example, hotel profits have dropped by up to 40%, having an effect on hotel operations and risking business continuity. The drop in international visitors has an effect on the salary of restaurants whose clients are more prevailing than foreign visitors (Block, 2017). Following the dropping, many hospitality industries are taking awareness of tourists’ health risks and protocols taking an advance.</p><p>The recovery of hospitality industries is indistinguishable from the progressively sophisticated information innovation utilized to pull in potential visitors to choose to travel. The regaining of tourist attractions after a pandemic is required to utilize other promoting techniques to advertise their items inventively. First, social media marketing reaches many internet users who are looking for tourist information hospitality industry. This strategy is helpful in advertising and attracts many tourists to find more information related to a tourist attraction in the designated region. Second, Tourism industry players and visitors, as well as government action, are required to arbitrate between the two groups. Government policies must be in the form of the finest judgments to characterize the middle ground between commercial actors and visitors (Anggarini, 2021). This means that provided policy in the hospitality sector during-post pandemics maintains the best solution for both tourists and hospitality owners. Last, all tourism-related activities must adapt to current conditions, in which humans must live alongside Covid-19 (Anggarini, 2021). By all means, many factors, including health issues, hygiene, and safety for tourists, are priorities.</p><p>In conclusion, even though the pandemic is really affecting the hospitality industry as a whole, it gives many advancements of movement done by the hospitality industry to survive. Many resources are being used as the development of technology to provide data destinations insight. In addition, the sophistication of information technology can also facilitate the government in supervising the implementation of safe travel in accordance with government recommendations. All these initiations are good examples of overcoming pandemic situations while running hospitality industries.</p>]]></content:encoded> <wfw:commentRss>http://dpehcln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
Download the "valid RSS" banner.
Upload the image to your own server. (This step is important. Please do not link directly to the image on this server.)
Add this HTML to your page (change the image src attribute if necessary):
If you would like to create a text link instead, here is the URL you can use:
http://www.feedvalidator.org/check.cgi?url=http%3A//dpehcln.info/feed
