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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>nztveln.info</title> <atom:link href="http://nztveln.info/feed" rel="self" type="application/rss+xml" /> <link>http://nztveln.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 20:24:22 +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>Work-Friendly Outfits In 2023</title> <link>http://nztveln.info/work-friendly-outfits-in-2023</link> <comments>http://nztveln.info/work-friendly-outfits-in-2023#comments</comments> <pubDate>Fri, 15 Dec 2023 13:35:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://nztveln.info/?p=68</guid> <description><![CDATA[Introduction In today’s competitive professional world, it is crucial to make a positive impression with your appearance. Dressing appropriately for work not only showcases your professionalism but also boosts confidence and productivity. In 2023, work-friendly outfits have evolved to incorporate comfort, style, and individuality. This article will provide you with tips and ideas for creating [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="15 OfficeFriendly Looks For Summer — Corporate Fashionista" src="https://i2.wp.com/www.corporatefashionista.com/wp-content/gallery/20-office-friendly-looks-for-summer/summerstyleworkedition-v32.jpg" _mce_src="https://i2.wp.com/www.corporatefashionista.com/wp-content/gallery/20-office-friendly-looks-for-summer/summerstyleworkedition-v32.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>Introduction</h2><p>In today’s competitive professional world, it is crucial to make a positive impression with your appearance. Dressing appropriately for work not only showcases your professionalism but also boosts confidence and productivity. In 2023, work-friendly outfits have evolved to incorporate comfort, style, and individuality. This article will provide you with tips and ideas for creating work-friendly outfits that align with current fashion trends.</p><h2>1. Embrace the Power of Blazers</h2><p>A blazer is a timeless piece that can instantly elevate any outfit. In 2023, blazers have become even more versatile, with various cuts, colors, and patterns available. Opt for a tailored blazer in a bold color or a classic pinstripe pattern to add personality to your professional attire.</p><h2>2. Incorporate Sustainable Fashion</h2><p>With sustainability being a growing concern, incorporating eco-friendly fashion choices into your work wardrobe is a great way to stay on-trend. Look for brands that prioritize ethical practices and use sustainable materials. Investing in high-quality pieces that are built to last will not only benefit the environment but also save you money in the long run.</p><h2>3. Experiment with Statement Accessories</h2><p>Make a statement by accessorizing your work outfits with bold pieces such as oversized earrings, statement necklaces, or colorful scarves. Accessories can add a touch of personality and style to your professional attire without compromising professionalism.</p><h2>4. Embrace Monochrome Looks</h2><p>In 2023, monochrome outfits are all the rage. Opting for a single color palette creates a sleek and sophisticated look. Experiment with different textures and shades within the same color family to add depth and interest to your ensemble.</p><h2>5. Invest in Comfortable Footwear</h2><p>Gone are the days of sacrificing comfort for style when it comes to footwear. In 2023, comfortable shoes such as block heels, loafers, or stylish sneakers are considered work-friendly. Invest in quality footwear that provides support and comfort, allowing you to stay productive throughout the day.</p><h2>6. Play with Prints and Patterns</h2><p>Add some excitement to your work wardrobe by incorporating prints and patterns. Floral, geometric, or abstract patterns can liven up your outfits and showcase your personal style. Pair a printed blouse with tailored trousers or a patterned skirt with a solid-colored blouse for a trendy yet professional look.</p><h2>7. Opt for Functional and Stylish Bags</h2><p>A work-friendly outfit is incomplete without a functional yet stylish bag. Look for bags that can accommodate your essentials, such as a laptop or notebook, while still being fashionable. Choose from structured totes, crossbody bags, or backpacks depending on your needs and personal style.</p><h2>8. Balance Formal and Casual Pieces</h2><p>Incorporating casual pieces into your work wardrobe is a trend that has gained popularity in 2023. Balance formal pieces, like tailored trousers or blouses, with more relaxed items, such as a denim jacket or a pair of culottes. This creates a stylish and approachable look without compromising professionalism.</p><h2>9. Focus on Fit and Tailoring</h2><p>No matter what outfit you choose, ensuring a proper fit is essential. Invest in tailoring to make sure your clothes flatter your body shape and create a polished appearance. Ill-fitting clothes can make you appear sloppy and unprofessional.</p><h2>10. Express Your Personal Style</h2><p>Lastly, don’t be afraid to express your personal style through your work outfits. Whether it’s through a pop of color, unique accessories, or a signature hairstyle, incorporating elements that represent your individuality can boost your confidence and make you stand out in the workplace.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>http://nztveln.info/work-friendly-outfits-in-2023/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Chic Work Outfits In 2023</title> <link>http://nztveln.info/chic-work-outfits-in-2023</link> <comments>http://nztveln.info/chic-work-outfits-in-2023#comments</comments> <pubDate>Fri, 15 Dec 2023 13:29:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://nztveln.info/?p=66</guid> <description><![CDATA[Introduction When it comes to dressing for work, it’s important to strike the right balance between professional and stylish. In 2023, chic work outfits are all about combining comfort, versatility, and trendiness. Whether you work in a corporate office or a more casual environment, there are plenty of options to help you look and feel [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Picture Of chic and stylish fall 2015 work looks for ladies 19" src="https://i2.wp.com/i.styleoholic.com/chic-and-stylish-fall-2015-work-looks-for-ladies-19.jpg" _mce_src="https://i2.wp.com/i.styleoholic.com/chic-and-stylish-fall-2015-work-looks-for-ladies-19.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>Introduction</h2><p>When it comes to dressing for work, it’s important to strike the right balance between professional and stylish. In 2023, chic work outfits are all about combining comfort, versatility, and trendiness. Whether you work in a corporate office or a more casual environment, there are plenty of options to help you look and feel your best. In this article, we will explore some of the top trends and tips for chic work outfits in 2023.</p><h3>1. Power Suits</h3><p>Power suits are making a comeback in 2023, but with a modern twist. Opt for tailored suits in bold colors like electric blue or vibrant red. Pair them with a simple blouse or a graphic tee for a more casual look. Don’t forget to accessorize with statement jewelry or a sleek belt to complete the ensemble.</p><h3>2. Midi Dresses</h3><p>Midi dresses are a great option for those who prefer dresses over separates. Look for styles with interesting details like ruffles, pleats, or asymmetrical hemlines. Stick to neutral colors or opt for playful prints to add some personality to your outfit. Pair with heels or ankle boots for a polished look.</p><h3>3. Statement Blazers</h3><p>A statement blazer can instantly elevate any work outfit. Look for blazers in bold patterns or vibrant colors to make a statement. Pair them with tailored trousers or a pencil skirt for a sophisticated look. Don’t be afraid to mix and match different patterns or textures to create a unique outfit.</p><h3>4. Monochrome Looks</h3><p>Monochrome looks are timeless and effortlessly chic. Choose a single color and create an outfit using different shades and textures. For example, pair a navy blue blouse with navy blue trousers and finish off with navy blue pumps. This creates a cohesive and stylish look that is perfect for the office.</p><h3>5. Wide-Leg Trousers</h3><p>Wide-leg trousers have been gaining popularity in recent years, and they are here to stay in 2023. Opt for high-waisted styles that elongate your legs and create a flattering silhouette. Pair them with a tucked-in blouse or a fitted sweater for a polished and sophisticated look.</p><h3>6. Statement Accessories</h3><p>Accessories can make or break an outfit. In 2023, statement accessories are a must-have for chic work outfits. Invest in bold earrings, oversized sunglasses, or a structured handbag to add a touch of personality to your look. Remember to keep the rest of your outfit simple to let the accessories shine.</p><h3>7. Knitwear</h3><p>Knitwear is not just for casual weekends anymore. In 2023, knitwear is making its way into the office in the form of chic sweaters and cardigans. Look for styles with interesting details like cable knit patterns or bell sleeves. Pair them with tailored trousers or a midi skirt for a cozy yet stylish look.</p><h3>8. Jumpsuits</h3><p>Jumpsuits are a versatile and trendy option for workwear in 2023. Look for styles with a tailored fit and interesting details like a tie waist or wide-leg pants. Pair them with heels or ankle boots for a sleek and sophisticated look. Add a blazer or a statement belt to complete the outfit.</p><h3>9. Leather Accents</h3><p>Leather accents can add an edgy and stylish touch to any work outfit. Look for blouses or dresses with leather trims or opt for a leather skirt or trousers. Pair them with softer fabrics like silk or chiffon to create a balanced and chic look. Finish off with ankle boots or pumps for a polished finish.</p><h3>10. Layering</h3><p>Layering is a great way to add depth and interest to your work outfits. Layer a blouse under a sweater or a blazer over a dress for a stylish and professional look. Experiment with different textures and lengths to create a unique and personalized outfit. Don’t forget to play with colors to add some fun to your ensemble.</p>]]></content:encoded> <wfw:commentRss>http://nztveln.info/chic-work-outfits-in-2023/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Current Global Affairs In 2023</title> <link>http://nztveln.info/current-global-affairs-in-2023</link> <comments>http://nztveln.info/current-global-affairs-in-2023#comments</comments> <pubDate>Fri, 15 Dec 2023 13:26:19 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://nztveln.info/?p=64</guid> <description><![CDATA[The Pandemic’s Impact on Global Economies The year 2023 has been marked by the ongoing effects of the global pandemic. The Covid-19 virus continues to wreak havoc, causing disruptions in economies worldwide. Many countries are grappling with the consequences of extended lockdowns and the strain on healthcare systems. The Rise of Remote Work One significant [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Public Seminars by the Candidates for the Associate Vice Provost of" src="https://i2.wp.com/globalaffairs.ucdavis.edu/sites/g/files/dgvnsk7271/files/styles/sf_landscape_16x9/public/images/event/Screen Shot 2019-02-12 at 5.19.08 PM.png?h=a88c3880&itok=h03znP6a" _mce_src="https://i2.wp.com/globalaffairs.ucdavis.edu/sites/g/files/dgvnsk7271/files/styles/sf_landscape_16x9/public/images/event/Screen Shot 2019-02-12 at 5.19.08 PM.png?h=a88c3880&itok=h03znP6a" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>The Pandemic’s Impact on Global Economies</h2><p>The year 2023 has been marked by the ongoing effects of the global pandemic. The Covid-19 virus continues to wreak havoc, causing disruptions in economies worldwide. Many countries are grappling with the consequences of extended lockdowns and the strain on healthcare systems.</p><h3>The Rise of Remote Work</h3><p>One significant outcome of the pandemic has been the accelerated adoption of remote work. With social distancing measures in place, organizations have been forced to embrace telecommuting. This shift has had both positive and negative impacts on the global job market.</p><h3>Climate Change and Environmental Preservation</h3><p>Another pressing global issue is climate change. Countries around the world are making efforts to combat this crisis. Initiatives such as the Paris Agreement have brought nations together to tackle environmental preservation and reduce carbon emissions.</p><h2>Political Unrest and Global Conflicts</h2><p>In 2023, political unrest and global conflicts continue to dominate the headlines. From protests against oppressive regimes to territorial disputes between nations, tension remains high in various parts of the world. These conflicts pose challenges to global stability and require diplomatic efforts to find peaceful resolutions.</p><h3>The Humanitarian Crisis and Global Aid</h3><p>Amidst these conflicts, the world is also facing a humanitarian crisis. Millions of people are displaced from their homes due to war, famine, and natural disasters. International organizations and governments are working together to provide aid and support to those in need.</p><h2>Technological Advancements Shaping the Future</h2><p>The year 2023 has seen significant advancements in technology that continue to shape the future. Artificial intelligence, blockchain, and renewable energy are just a few areas witnessing rapid growth. These innovations have the potential to revolutionize industries and improve the quality of life globally.</p><h3>The Rise of Sustainable Practices</h3><p>As the world becomes more conscious of environmental issues, sustainable practices have gained momentum. From eco-friendly products to renewable energy sources, individuals and businesses are embracing sustainable alternatives. This shift towards more sustainable practices is crucial for the long-term well-being of the planet.</p><h2>Global Health and Vaccine Development</h2><p>The focus on global health has never been more critical than in 2023. The development and distribution of vaccines have played a vital role in curbing the spread of the Covid-19 virus. However, challenges remain in ensuring equitable access to vaccines for all populations, particularly in developing countries.</p><h3>Healthcare Infrastructure and Preparedness</h3><p>The pandemic has highlighted the importance of robust healthcare infrastructure and preparedness. Governments worldwide are investing in strengthening their healthcare systems, ensuring adequate resources, and building resilience to future health crises.</p><h2>The Quest for Social Justice</h2><p>2023 has also witnessed an increased demand for social justice and equality. Movements advocating for racial, gender, and LGBTQ+ rights have gained momentum globally. People are pushing for systemic changes to address inequality and create a more inclusive society.</p><h3>Education and Empowerment</h3><p>Education plays a crucial role in empowering individuals and fostering social change. Efforts are being made to improve access to quality education, particularly in marginalized communities. By providing equal opportunities for all, we can strive towards a more just world.</p><h2>Conclusion</h2><p>The year 2023 is filled with significant global affairs that impact our lives in various ways. From the ongoing pandemic to political unrest, technological advancements, and social justice movements, the world continues to evolve and face new challenges. By staying informed and actively participating in shaping the future, we can work towards creating a better world for all.</p>]]></content:encoded> <wfw:commentRss>http://nztveln.info/current-global-affairs-in-2023/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Home Decor Ideas to Deliver Instant Impact and Save You Money</title> <link>http://nztveln.info/home-decor-ideas-to-deliver-instant-impact-and-save-you-money</link> <comments>http://nztveln.info/home-decor-ideas-to-deliver-instant-impact-and-save-you-money#comments</comments> <pubDate>Sun, 16 Apr 2023 17:12:36 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[home decoration]]></category> <guid isPermaLink="false">http://nztveln.info/?p=57</guid> <description><![CDATA[If your current home decor is dull and boring, but your budget causes you to be hesitant to spend the money to completely redecorate, don’t despair. You don’t have to have the talents of an interior designer nor the budget to hire one to update your home decor. Simple, low-cost home decor ideas can make [...]]]></description> <content:encoded><![CDATA[<p> If your current home decor is dull and boring, but your budget causes you to be hesitant to spend the money to completely redecorate, don’t despair. You don’t have to have the talents of an interior designer nor the budget to hire one to update your home decor. Simple, low-cost home decor ideas can make a remarkable difference in your home’s appearance.Here are but a few home decor ideas which can perk up a room for around $100 or less:One of the most used rooms in any home is the bathroom. If your bathroom is cluttered and none of the accessories match, it might be a good idea to spend a little money updating the look and organizing the clutter.It won’t take much time or money to replace your old accessories like the tissue box cover, toothbrush holder, soap or lotion dispenser and trash can with a matched set. Home decor retailers, major department stores and most off-price retailers offer a wide selection of bathroom accessories in a variety of styles and colors. You can also find shower curtains, rug sets and window treatments to match or compliment your new bathroom accessories.Nothing can spruce up your living space like green leafy plants and floral arrangements. You don’t even have to have a green thumb to add some greenery to your home. There are many low-maintenance plant varieties to choose from or select a life-like artificial plant or arrangement. Today’s imitation plants and arrangements appear so real, the only way to tell the difference is to touch them.Adding strategic lighting can totally alter the appearance of your room, and affect the mood as well. So many people neglect the lighting fixtures when updating their home decor. And, let’s face it, the lighting fixtures which came with your home usually aren’t the most attractive nor does the glaring overhead light they emit enhance your space. Why not set the mood and add to the decorative aspect of your room using ornamental lamps. Indirect lighting from table and floor lamps add a warm, cozy feeling to your space.Even if it’s not in your budget to replace your furniture, repainting your space in a trendy new color can give it a completely new appearance. You can also opt for a classic color which will remain in style for many years. Changing the wall color is an effective way to give your room a fresh, up-to-date look, no matter which color you select.As a final low-cost home decor idea, don’t assume that you’ll have to buy new furniture to make-over the decor in your room. Believe it or not, simply rearranging your furniture and decorative items can be enough of a change to produce a new look which will achieve the results you want and work great for your room. </p>]]></content:encoded> <wfw:commentRss>http://nztveln.info/home-decor-ideas-to-deliver-instant-impact-and-save-you-money/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Environmental Handbook, Edition 2</title> <link>http://nztveln.info/the-environmental-handbook-edition-2</link> <comments>http://nztveln.info/the-environmental-handbook-edition-2#comments</comments> <pubDate>Sun, 02 Apr 2023 02:53:41 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Environmental]]></category> <guid isPermaLink="false">http://nztveln.info/?p=55</guid> <description><![CDATA[I was pleasantly surprised when I opened the book and less than 30 pages in I had already come across useful information, research results and even a feature on biodiversity. Further on I even found that biodiversity and conservation were on the list of the results from the surveys, although their ratings were low.I was [...]]]></description> <content:encoded><![CDATA[<p> I was pleasantly surprised when I opened the book and less than 30 pages in I had already come across useful information, research results and even a feature on biodiversity. Further on I even found that biodiversity and conservation were on the list of the results from the surveys, although their ratings were low.I was delighted that the handbook didn’t only contain graphs and endless tables with foreign symbols, acronyms and numbers, but articles, case studies and features. There were some organisations that appeared noticeable often, but in fairness the most notable ones were the same organisations that co-operated to create the handbook. So other than a little project pushing and brand punting, overall the handbook is a highly useful source of information in an easy to read conversational tone.Leonia Joubert, a science writer known for Scorched; South Africa’s changing Climate Change, wrote a feature article on nature capital which caught my eye. She used an example of the cost of a fizzy drink to simply describe how the cost of including nature capital costs could influence pricing. Ecosystems and nature resources have for far too long been banked as freebies. By using projects and company case studies Joubert demonstrates how increasing necessary action are needed to achieve Millennium Development Goals.In chapter three; Corporate Environmental Practice, the Environmental Handbook conducts surveys with 100 major companies and reports their findings. It was a bit disappointing to see that out of the average score up to 5, biodiversity and resource only received 2.9, whereas energy got 4.7, waste 4, and water 4. Products and services stood at 3.4 and land stewardship at 2.9. What was even more of concerning was that even taking into consideration that metals, paper and wood all have a direct impact on biodiversity, 17% of the companies said that biodiversity was not ‘applicable’ to their businesses.The survey highlighted that the biggest critical challenge of biodiversity issues was simply a lack of awareness (18%) and although 98% said they all complied with biodiversity legislation, 11% said the critical challenge was lack of awareness in legislation. Another 11% said it was not a priority for management and a further 11% said it was a daunting task. The remaining 7% said the challenge was it was too costly to the company.The handbook covered a lot of environmental issues and contained a good foundation and scope of how companies are tackling sustainability. They covered legislations ranging from biodiversity strategy through to the new waste management paper as well as case studies on how companies are counteracting and handling environmental issues both internally and externally. The handbook is a great resource for any business or individual looking for information and useful tactics in the environmental field.I look forward to see how biodiversity ranks in next year’s edition. </p>]]></content:encoded> <wfw:commentRss>http://nztveln.info/the-environmental-handbook-edition-2/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Understanding Your Credit Score And How A Credit Pro Can Help</title> <link>http://nztveln.info/understanding-your-credit-score-and-how-a-credit-pro-can-help</link> <comments>http://nztveln.info/understanding-your-credit-score-and-how-a-credit-pro-can-help#comments</comments> <pubDate>Sat, 01 Apr 2023 22:43:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Credit & Collections]]></category> <guid isPermaLink="false">http://nztveln.info/?p=53</guid> <description><![CDATA[1. GET RID OF YOUR COLLECTION ACCOUNTS.Did you know that paying a collection account can actually reduce your score? Here’s why: credit scoring software reviews credit reports for each account’s date of last activity to determine the impact it will have on the overall credit score. When payment is made on a collection account, collection [...]]]></description> <content:encoded><![CDATA[<p> 1. GET RID OF YOUR COLLECTION ACCOUNTS.Did you know that paying a collection account can actually reduce your score? Here’s why: credit<br />scoring software reviews credit reports for each account’s date of last activity to determine the<br />impact it will have on the overall credit score. When payment is made on a collection account,<br />collection agencies update credit bureaus to reflect the account status as “Paid Collection”. When<br />this happens; the date of last activity becomes more recent. Since the guideline for credit scoring<br />software is the date of last activity, recent payment on a collection account damages the credit<br />score more severely. This method of credit scoring may seem unfair, but it is something that must<br />be worked around when trying to maximize your score. How is it possible to pay a collection and<br />maximize your score? We can help you negotiate with the collection company’s and maximize your score, by removing all references to a collection account completely which will increase your score.2. GET RID OF YOUR PAST DUE ACCOUNTS.Within the delinquent accounts on your credit report, there is a column called “Past Due”. Credit<br />score software penalizes you for keeping accounts past due, so Past Dues destroy a credit score.<br />If you see an amount in this column, pay the creditor the past due amount reported.3. GET RID OF YOUR CHARGEOFFS AND LIENS.Charge-offs and liens do not affect your credit score when older than 24 months. Therefore,<br />paying an older charge-off or a lien will neither help nor damage your credit score. Charge-offs<br />and liens within the past 24 months severely damage your credit score. If you have both charged-off accounts and collection accounts, but limited funds available, pay the past due balances first.4. GET RID OF YOUR LATE PAYMENTS.When you make the decision to retain FiCODOC we fight with the creditors and bureaus to delete the late payments on your credit report. Be aware that one 30 day late on a car payment can drop your score by 70 points or more.5. CHECK YOUR CREDIT LIMIT(S) AND EVENLY DISTRIBUTE THE BALANCES YOU ARE<br />CARRYING.Make sure creditors report your credit limits to bureaus. When no limit is reported, credit scoring<br />software scores the account as though your current balance is “maxed-out”.For example, if you know that you have a $10,000 limit on your credit card, make sure that the limit appears on the credit report. Otherwise, your score will be damaged as severely as if you were carrying a balance of the entire available credit. Credit scoring software likes to see you carry credit card balances as close to zero as possible. If it is difficult for you to pay down your balances, read the following guidelines to maximize your score as much as possible under the circumstances:o There are different degrees that scoring software can impact your score when carrying credit<br />card balances.o Balances over 70% of your total credit limit on any card damages your score the most. The next<br />level is 50% of your balance, then 30% of your balance.o In order to maximize your score without having to pay down your balances, evenly distribute<br />your credit card balances among all of your credit cards, rather than carry a large balance on one<br />credit card. For example, if you are carrying a $9000 balance on a credit card with a $10,000 limit, and you have two other credit cards with a $3000 and $5000 limit, transfer your balances so that you have a $1500 balance on the $3000 limit card, a $2500 balance on the $5000 limit card and a $5000 balance on the $10,000 limit card. Evenly distributing your balances will maximize your score.6. DO NOT CLOSE YOUR CREDIT CARDS.Closing a credit card can hurt your credit score, since doing so effects your debt to available<br />credit ratio. For example, if you owe a total credit card debt of $10,000 and your total credit<br />available is $20,000, you are using 50% of your total credit. If you close a credit card with a<br />$5,000 credit limit, you will reduce your credit available to $15,000 and change your ratio to using<br />66% of your credit. There are caveats to this rule: if the account was opened within the past two<br />years or if you have over six credit cards. The magic number of credit card accounts to have in<br />order to maximize your score is between 3 and 5 (although having more will not significantly<br />damage your score). For example, if a card was opened within the past two years and you have<br />over six credit cards, you may close that account. If you have more than six department store<br />cards, close the newest accounts. Otherwise, do not close any at all.7. KEEP YOUR OLD CREDIT CARDS ACTIVE.15% of your credit score is determined by the age of the credit file. Fair Isaac’s credit scoring<br />software assumes people who have had credit for a longer time are at less risk of defaulting on<br />payments. Therefore, even if your old credit cards have horrible interest rates, closing those<br />cards will decrease the average length of time you’ve had credit. Use the old card at least once<br />every six months to avoid the account rating to change to “Inactive”. Keeping the card active is as<br />simple as pumping gas or purchasing groceries every few months, then paying the balance down.<br />An inactive account is ignored by Fair Isaac’s credit scoring software, so you won’t get the benefit<br />of the positive payment history and low balance that card may have. The one thing all credit<br />reports with scores over 800 have in common is a credit card that is twenty years old or older.<br />Hold onto those old cards trust me! Preparing credit is a slow and time consuming process.<br />Full knowledge of your credit profile and how it represents you to creditors and credit bureaus is<br />pivotal to full credit restoration success. Credit bureaus always advise individuals that they have a<br />right to dispute their own credit files, but when the rights of the Credit Bureaus slow you down~<br />you know where to ask for help.In conclusion, you can repair your credit if you hire a pro and listen to his or her professional advice. </p>]]></content:encoded> <wfw:commentRss>http://nztveln.info/understanding-your-credit-score-and-how-a-credit-pro-can-help/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Sources of Crime in the United States</title> <link>http://nztveln.info/sources-of-crime-in-the-united-states</link> <comments>http://nztveln.info/sources-of-crime-in-the-united-states#comments</comments> <pubDate>Sat, 01 Apr 2023 16:23:55 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Crime]]></category> <guid isPermaLink="false">http://nztveln.info/?p=51</guid> <description><![CDATA[For somebody with little drive, no education, and bad influences, crime is the only option available to them. Unfortunately, the society we live in more than promotes crime. In reality, the best way to deal with crime is to fight poverty at its sources, but it seems the government and police are just more interested [...]]]></description> <content:encoded><![CDATA[<p> For somebody with little drive, no education, and bad influences, crime is the only option available to them. Unfortunately, the society we live in more than promotes crime. In reality, the best way to deal with crime is to fight poverty at its sources, but it seems the government and police are just more interested in cracking down on criminals instead of doing what really needs to be done. If you take away the need to commit crime, then it will go down. Most people steal because it is their only option, although there are just as many who do it because it is easier than going to school. However, by educating children at a young age about the right paths in life, and enabling their parents to reinforce that education, crime can greatly be alleviated.Of course, if the parents are poor, then they might steal themselves, and children will see that. More should be invested in taking people out of poverty, because by doing that, you reduce crime and other government expenses. These expenses include law enforcement costs, repairs of city property, and healthcare costs, as many thieves injure the people they steal from. While the investment does have economic benefits, the most important savings come in the form of human costs. Getting robbed is one of the worst experiences in the world, not even including what you lose. We pay taxes to live in a safe society, and it is up to the government to make sure we are safe.It is not all the government’s task, though. Every single one of us needs to take steps to reduce crime. This means lobbying against poverty and taking other kinds of action. You should also learn self-defense in the case that you personally are targeted; if you take down a criminal, they may think twice about trying something again. </p>]]></content:encoded> <wfw:commentRss>http://nztveln.info/sources-of-crime-in-the-united-states/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Filtration, Part 2 – The Difference Between Mechanical, Biological and Chemical Filtration</title> <link>http://nztveln.info/filtration-part-2-the-difference-between-mechanical-biological-and-chemical-filtration</link> <comments>http://nztveln.info/filtration-part-2-the-difference-between-mechanical-biological-and-chemical-filtration#comments</comments> <pubDate>Sat, 01 Apr 2023 12:25:52 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Biology]]></category> <guid isPermaLink="false">http://nztveln.info/?p=49</guid> <description><![CDATA[Most aquarium keepers rely on a combination of three different filtration methods to keep the water quality up in their aquarium: mechanical filtration, biological filtration and chemical filtration. Mechanical filtration will remove larger debris from the water, biological filtration is performed by bacteria that convert dangerous waste products into less harmful compounds, and chemical filtration [...]]]></description> <content:encoded><![CDATA[<p> Most aquarium keepers rely on a combination of three different filtration methods to keep the water quality up in their aquarium: mechanical filtration, biological filtration and chemical filtration. Mechanical filtration will remove larger debris from the water, biological filtration is performed by bacteria that convert dangerous waste products into less harmful compounds, and chemical filtration is typically performed by activated carbon that will bind toxic compounds, traces of medication etc.Several types of filtration can take place in the same piece of equipment. When you look at the basic corner filter filled with sponge used by many novice aquarium keepers, you might consider it to be just a way of performing mechanical filtration. The truth is however that the sponge is an ideal home for beneficial bacteria that can perform biological filtration. The corner filter is typically combined with a pump that causes a water flow and constantly provides the bacteria with biological waste products that are dissolved in the water. If you place a piece of activated carbon in your corner filter, it will perform chemical filtration of the water that is pumped through. This way, you can have three different types of filtration going on in the same piece of equipment.Mechanical filtrationMechanical filtration will remove larger debris form the water. You can get internal mechanical filters as well as external ones. A mechanical filter is typically combined with a pump that forces water through some form of filter media, e.g. sponge, foam or floss. Before you purchase a mechanical filter you should always find out how much water it will circulate and how fine the filter media is. A general rule of thumb states that a mechanical filter should pass roughly twice the amount of water in the tank every hour, but this is not true for all types of aquariums.The fineness of the filter media in a mechanical is very important. A very fine filter medium will catch even small debris from the water, but is on the other hand prone to clogging and must be cleaned very often. A coarse filter media is less prone to clogging, but will on the other hand allow a lot of debris to pass through. Many aquarium keepers use a combination of several filter media, where a coarse filter traps large particles before the water is forced through a finer medium.Biological filtration During biological filtration, harmful nitrogenous compounds produced by the animals in the aquarium will be converted into less harmful nitrogenous compounds by two different types of bacteria. The metabolism of your fish will produce ammonia that is excreted through the gills and present in the fish poop. High levels of ammonia are unhealthy for fish, and really high levels can even be lethal. There is however a certain type of bacteria that feed on ammonia. This type of bacteria will ingest ammonia and excrete nitrite. Unfortunately for your fish, nitrite is even more poisonous than ammonia. For successful biological filtration, a second type of bacteria is therefore necessary. This type of bacteria ingests nitrite and excrete nitrate. Nitrate is less poisonous than ammonia and nitrite, but you must steel keep an eye on the levels of nitrate in the aquarium and remove the nitrate by performing frequent water changes.You can support the colonies of beneficial bacteria by providing them with suitable materials to colonize, such as sponge and floss filter media, gravel, sand, plant leaves etc. When you start up a new aquarium, you should let it go through a process known a cycling. During this process, large colonies of both types of bacteria will establish themselves in the aquarium. You can jump start the cycling process in a new aquarium by introducing bacteria from an already cycled aquarium, e.g. by taking some gravel or filter media from it. You can also purchase a solution filled with the right type of bacteria from an aquarium shop. If you use materials form an established aquarium, you always risk introducing undesirable organisms together with the beneficial bacteria.Chemical filtrationThe most commonly used material for chemical filtration is activated carbon. Activated carbon will bind a wide range of different compounds to it self and thereby remove them from circulation. It is common for aquarium keepers to use chemical filtration for shorter periods only. When you have completed the treatment of a disease or parasite in the aquarium, you can for instance use chemical filtration to remove any traces of left over medication from the water. The use of activated carbon is quite controversial, and many keepers of planted aquariums refrain from using activated carbon for any longer periods of time since they suspect that it might lead to a depletion of nutrients. </p>]]></content:encoded> <wfw:commentRss>http://nztveln.info/filtration-part-2-the-difference-between-mechanical-biological-and-chemical-filtration/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Property Management – Checklist in Finding Your Property Managers</title> <link>http://nztveln.info/property-management-checklist-in-finding-your-property-managers</link> <comments>http://nztveln.info/property-management-checklist-in-finding-your-property-managers#comments</comments> <pubDate>Sat, 01 Apr 2023 01:14:09 +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://nztveln.info/?p=46</guid> <description><![CDATA[Managing rental properties like apartment, studio, condominium, townhouses or house and lot requires a lot of money, time and effort. It also needs near-constant availability to ensure that you meet the needs of your tenants. Property Management Company is the answer to many property owners and investors who are having a hard time managing their [...]]]></description> <content:encoded><![CDATA[<p> Managing rental properties like apartment, studio, condominium, townhouses or house and lot requires a lot of money, time and effort. It also needs near-constant availability to ensure that you meet the needs of your tenants. Property Management Company is the answer to many property owners and investors who are having a hard time managing their properties. This property management company is composed of professional people who are tasked to build a good relationship between the landlord and the tenant. Their duties include the collection of rent, responding to maintenance issues and repair damages of the property, evictions, and monthly financial reporting.Not all property management companies are alike. Like any products or services in the market, there are hundreds of property management companies who are promising to offer a good service but only few deliver the best-in-class service. Thus, you have to be very critical in selecting the company to manage your properties. Below are some tips on how to find the company to trust in managing you properties:1) Good Reputation. Reputation is an intangible and multifaceted concept, which takes time and experience to build. The company’s reputation speaks a lot of its identity and the kind of service that it offers to its clients. A good property management company must be consistently professional, responsive and thorough. In addition, the company must be a licensed real estate broker and must have a team of experts to manage you properties. Pick the one who values your property.2) Cost Efficient. Understanding financial statements, profit and loss, income taxes and budgeting are all very essential for the property manager. Expertise and competitive rental properties is necessary. The real estate property management company should work closely with the landlord in order to maximize rental income and return on investment for the property.3.) MARKETING STRATEGIES- Good marketing strategies of a company can attract more potential tenants to lease your property. Effective competition in the market place necessitates more than just a word of mouth; it needs a solid marketing. Advertisements should be consistent and up-to-date. An effective marketing strategy can maximize occupancy and rental rates.4.) Quick and Responsive- Quick and responsive communication are the solution to business development and service improvement. The skill to communicate effectively with customers and respond to their needs is essential because it only reflects how customers are valued. The property manager must then respond to their requests, monitor their activities as regards the lease requirements, collect rent in a timely manner, and continually assess the tenants’ satisfaction as regards the property’s amenities versus those of competing rental properties in the area. Services and communication must respond to the members’ needs.5.) Conflict Management Skills. Lastly, a quality property manager should be excellent in conflict management. Real estate matters are so sensitive; therefore, crucial situations are being dealt here. Knowledge of existing laws is important towards the implementation of the business policy to avoid unwanted outcomes. They should know how to deal with the complexities of running rental properties. </p>]]></content:encoded> <wfw:commentRss>http://nztveln.info/property-management-checklist-in-finding-your-property-managers/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Kids’ Party Entertainers – How To Make The Party Fun</title> <link>http://nztveln.info/kids-party-entertainers-how-to-make-the-party-fun</link> <comments>http://nztveln.info/kids-party-entertainers-how-to-make-the-party-fun#comments</comments> <pubDate>Sun, 26 Feb 2023 14:35:09 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://nztveln.info/?p=43</guid> <description><![CDATA[When it comes to hiring kids entertainers for your child’s next birthday party, the problem is often in the choosing. After all, there are so many choices out there! To make things easier for yourself, narrow your pickings down by (1) deciding on a party theme, and (2) taking your child’s age group into consideration.Everything [...]]]></description> <content:encoded><![CDATA[<p> When it comes to hiring kids entertainers for your child’s next birthday party, the problem is often in the choosing. After all, there are so many choices out there! To make things easier for yourself, narrow your pickings down by (1) deciding on a party theme, and (2) taking your child’s age group into consideration.Everything Starts With The ThemeHaving a party theme to work with makes everything easier! When you have a theme, it’s a lot easier to choose the right kind of kids party entertainers. Choosing the food and drinks, the decorations, and the party favours is also a lot simpler when you have a theme handy.Consider The Child’s AgeAnother thing to consider when choosing children’s party entertainers is your child’s age. Younger kids won’t mind having clowns around, so no worries there. Just make sure the clowns aren’t scary — you know how some people are with clowns!It’s often better to offer something unexpected and unfamiliar when it comes to entertainment. Kids may like quieter, more mature, and more creative kids entertainers, such as face painters, balloon artists, comedians, and magicians. Even themed pony shows are great ways to keep the kids occupied throughout the party.What’s Your Budget?There will always be entertainers out there who charge ridiculously cheap rates, and it’s tempting to hire such entertainers when you’re on a tight budget. But remember the saying “you get what you pay for” and a first birthday or a 5th birthday only gets celebrated once, why risk the memories hiring a cheap kids party entertainer (newbie, less experienced performers). It’s a whole lot better to shell out a little extra money for the peace of mind of working with true professional entertainers.Check Their BackgroundHere’s one last tip to consider — when choosing kids party entertainers, check their track record. How long have they been in business? What are people saying about them? Are there any places on the Internet where people have left feedback about them? (Hint: log on to Facebook and see if they have a fan page.)Also, don’t hesitate to call them up. When talking to them, trust your gut – do you feel like you can trust them? Would you be comfortable having these entertainers around your kids?Here’s a bonus tip: If you’re in Australia, check if the entertainer has a Working With Children Police Check (WWCC) card. Also, check if they carry public liability. They are, after all, running a business – make sure they’re 100% legit! While things almost never go wrong at a kid’s party, it’s always better to work with a team of entertainers who are passionate enough about their profession to cover all the bases! </p>]]></content:encoded> <wfw:commentRss>http://nztveln.info/kids-party-entertainers-how-to-make-the-party-fun/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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